How to save the interest amount on a business loan?

  • Business Loans
  • 1 Years ago
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How to save the interest amount on a business loan?

Doing a business is all about dealing with its ups and downs. The one mantra to remember is that risks and rewards are inevitable, and often one factor outshines the other. Well, this may sound especially challenging for those who have just started a business and do not have adequate funds to support activities such as payment of wages, expansion of the business, a new project, or acquisition of a new asset. Moreover, competitive market scenarios may lead to a loss in working capital and low income. This is when the banks act as the saviors by providing loans to finance the business and its activities.

Business loans allow you to continue running the business smoothly at the time of any financial crisis, and therefore, are an essential tool in modern times.

You may take business loans to launch a new project, extend the existing business to a new site, and purchase new equipment, office space, and properties. 

Some of the benefits of a business loan are: 

  • Tax benefits

As per the Income Act section, the amount required to repay the loan is exempted from tax.

  • Business Growth

Finance is the backbone of any business, which ensures that every requirement of technology, workforce, marketing is met effectively and efficiently. This further helps in expanding the business to a larger scale. All of this requires good working capital, which a business loan can help to achieve.

  • Easy availability

With various banking options available in the market, today it’s much easier to procure loans at attractive interest rates from different banks and NBFCs. Some banks even provide loans without collateral. Moreover, with their built-in online EMI calculator, it becomes easier to compare and avail these loans.

 There are two types of business loans:

  1. Secured business loans
  2. Unsecured business loans

While secured loans are loans taken against security kept as collateral with the bank, unsecured loans are loans without any such collateral. Needless to say, secured loans have lower interest rates as compared to unsecured loans.

In India, interest rates for business loans start at a 15% minimum per annum. However, the interest rate varies depending on multiple factors such as credit score, the business plan, loan amount, and repayment schedule with other financial aspects.

Two different interest rate models are available: decreasing interest rates and flat interest rates.

  • Reduced interest rates

As the creditor commences paying the loan payment, the principal sum decreases. Therefore, the interest applies to the remaining balance of the principal and not the initial amount lent. This method is known as the reduction in the interest rate.

  • A flat interest rates

Contrary to the decreasing interest rate, the technique to calculate the interest rate on the initial credit sum is a flat interest rate. After paying one or more installments, it fails to accept the diminished value of the principal.

A lower-paying interest loan will not only save a lot of time and money for the business but will also help you to repay the debt sooner and better. But how can you achieve this?

Here are a few tips that can help you to lower your interest rate

1.Raise your credit score

The credit score is what defines a company’s creditworthiness. The credit scores of small businesses or proprietorship businesses are often seen in the same light as that of an individual. Improving your score means reducing your credit utilization ratio, which is the ratio of the credit limit available and the credit limit used. In other words, the amount you have divided by your credit limit. Therefore, a better score can help you to achieve a lower interest rate. One must always keep the credit utilization ratio up to 30% of the overall limit.

2.Don’t Default your EMI

EMI or Equated Monthly installment is the standardized deduction of your loan. If you repay the loan without any defaults in the EMI, you improve the chances of obtaining lower interest rates as a token of gratitude from your bank. If you keep your repayment history strong, the banks will favor you for being an excellent client.

3.Improve your business financials

A profitable and flourishing business can help you obtain lower interest rates from banks, as the interest rate calculations often depend on various factors, including the financial position of the company, the upcoming projects, and the turnover of the same. So, if you want lower interest rates, improve your financial statements.

4.Research and refinancing –

Some of the competitive banks often offer lower interest rates as compared to your existing rate. In such a case, you can easily do a balance transfer of the loan, which is basically where the second bank repays your current loan and offers you the balance payment with a reduced interest rate in the form of a business loan.

5.MSME business loan –

MSME, i.e. Micro, Small, and Medium Enterprises is a government sector, which aims at promoting the growth and development of businesses, and therefore, offers lower interest rates and easy repayment terms. If your business fulfills the eligibility criteria, you can easily avail and repay your existing loan.

6.Business history –

Vintage business proves higher credibility for business, which improves the chances of getting lower interest rate as it positively boosts the business profile.

Some other options that one can look for to lower the interest rates are as follows: 

  • Do not cancel old credit cards or accounts.
  • If a secured business loan is necessary, offer or apply valuable collateral or protection.
  • Instead of a short-term business loan, apply for a long-term one.
  • Apply for a loan with one of the top private or public sector banks.
  • Always calculate your interest rates using the business loan EMI calculator.


A business loan calculator can assist you to ascertain the amount of loan you are eligible for, which is based on your net profit after tax. It also helps to assess and plan your repayment schedule, and to know the bifurcation of your interest and principal amount. But one should keep in mind that the business calculator is just to ascertain the values and the actual value of the loan will depend on various factors such as business profile, credit scores as discussed previously.

A lot of smart entrepreneurs prefer NBFCs over banks to avail loans, as banks have more demanding rules and restrictions in terms of lending loans in comparison to NBFCs because while Banks come under the Banking Companies Act, the NBFCs come under the Companies Act 2013, which allows faster loan processing and easier disbursals with minimum documentation and paperwork.

Do keep the above points in mind to reduce your interest rate on loans and you will end up saving a lot of money over the remaining duration of the loan.

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  • Loans

Gold Loan Vs Credit Card

  • May 23 2022
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  • Gold Loan

Features and Benefits of Two Wheeler Loan

  • May 21 2021
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  • Two Wheeler Loans

Bonds vs Fixed Deposit

  • May 23 2022
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  • Fixed Deposit

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
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  • Business Loans

How To Allocate Funds Efficiently After Receiving an SME Loan?

  • Oct 20 2021
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  • Business Loans

Market Trends & Developments of Two Wheeler Loan Segment in India

  • Jul 24 2021
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  • Two Wheeler Loans

10 Things To Know About Two Wheeler Loans Post Pandemic

  • Jan 20 2022
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  • Two Wheeler Loans

Two Wheeler Loan Processing Fees and Other Charges

  • Apr 08 2021
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  • Two Wheeler Loans

Is a Two-Wheeler Loan Eligible for Tax Redemption?

  • Apr 21 2021
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  • Two Wheeler Loans

NRI Loan: Apply for Two Wheeler Loan in India

  • May 21 2021
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  • Two Wheeler Loans

How to Apply for Two Wheeler Loan Online

  • Sep 11 2020
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  • Two Wheeler Loans

Two Wheeler Loan Repayment Tips

  • Jul 26 2021
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  • Two Wheeler Loans

Comparing Other Investments methods to Fixed Deposits

  • Oct 22 2021
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  • Fixed Deposit

Comparing Two Wheeler Loan Rates : Key Points to Consider

  • Oct 27 2021
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  • Two Wheeler Loans

Your two-wheeler loan options are endless with Shriram Finance

  • Feb 24 2021
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  • Two Wheeler Loans

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
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  • Two Wheeler Loans

Tax Indemnity for Two Wheeler Loans

  • Oct 19 2021
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  • Two Wheeler Loans

Apply for Two wheeler Top Up Loan

  • Jul 26 2021
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  • Two Wheeler Loans

Interest Rate Charged on a Two Wheeler Loan

  • Mar 29 2021
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  • Two Wheeler Loans

Two Wheeler Loan: Know all about Two Wheeler Loan

  • Aug 24 2020
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  • Two Wheeler Loans

10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
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  • Two Wheeler Loans

How can Students Apply for Two-Wheeler Loans in India?

  • Dec 01 2021
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  • Two Wheeler Loans

The Smoothest Way to Apply for Two-Wheeler Loans

  • Oct 27 2021
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  • Two Wheeler Loans

How To Evaluate Interest Rates And EMIs For Two Wheeler Loans

  • Oct 26 2021
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  • Two Wheeler Loans

Loan For Women Entrepreneurs

  • May 23 2022
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  • Loans

Premature Withdrawal of Recurring Deposit

  • May 23 2022
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  • Recurring Deposit

Is there any TDS on Recurring Deposits?

  • Jul 30 2021
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  • Recurring Deposit

Who Should Consider Investing in a Recurring Deposit?

  • Jul 20 2021
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  • Recurring Deposit

How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
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  • Recurring Deposit

Why You Should invest More Time on Recurring Deposit

  • Feb 05 2022
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  • Recurring Deposit

Advantages and Disadvantages of Recurring Deposit Account

  • May 23 2022
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  • Recurring Deposit

Are recurring deposits covered by insurance?

  • Jul 15 2021
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  • Recurring Deposit

What are the Various Installment Frequencies and Payment Methods available for Recurring deposits(RD)?

  • Jul 30 2021
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  • Recurring Deposit

What is the Recurring Deposit Scheme offered by Shriram City?

  • Jul 19 2021
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  • Recurring Deposit

Is it possible to set up a recurring deposit online?

  • Jul 30 2021
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  • Recurring Deposit

What are the most attractive features of the Shriram City Recurring Deposit?

  • Jul 16 2021
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  • Recurring Deposit

What makes a fixed deposit different from a recurring deposit

  • Jul 08 2021
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  • Recurring Deposit

12 Things You Must Know About Senior Citizen Fixed Deposit Scheme in India

  • Jul 12 2020
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  • Fixed Deposit

सीनियर सिटीजन के लिए फायदेमंद है एफडी, बिना जोखिम मिलता है हाई रिटर्न

  • Oct 21 2020
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  • Fixed Deposit

What is the Difference Between Fixed Deposit and Recurring Deposit?

  • Dec 09 2021
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  • Fixed Deposit

Why should I invest in Shriram City's recurring deposit?

  • Jul 19 2021
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  • Recurring Deposit

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
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  • Recurring Deposit

What is the minimum and maximum investment amount for Shriram City Recurring Deposit?

  • Jul 16 2021
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  • Recurring Deposit

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
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  • Recurring Deposit

What are the risks of putting money into a Recurring Deposit?

  • Jul 15 2021
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  • Recurring Deposit

Tips for Students and Professionals on Recurring Deposits

  • Dec 10 2021
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  • Recurring Deposit

Recurring Deposit : - Five problems, one solution

  • Feb 04 2022
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  • Recurring Deposit

Recurring Deposit : Expectations vs. Reality

  • Feb 05 2022
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  • Recurring Deposit

Get started with minimum investment on recurring deposit

  • Nov 29 2021
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  • Recurring Deposit

Why‌ ‌are Recurring‌ ‌Deposits‌ ‌helpful‌ ‌to‌ ‌small‌ ‌businesses?‌

  • Jan 24 2022
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  • Recurring Deposit

Loan against FD

  • May 23 2022
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  • Fixed Deposit