Expanding a business often means a gap between spending on growth and seeing the returns from it. A Flexi Hybrid Term Loan's interest-only initial tenure can ease that gap, before converting to standard principal + interest EMIs for the subsequent tenure. Compare Bajaj Finance, Tata Capital, Piramal Finance and Kotak below, and check the exact eligibility criteria and documents required before you apply.
Flexi Hybrid Term Loan for Business Expansion EMI calculator
Estimate your monthly instalment and see the full year-by-year principal and interest breakdown.
Maximum loan amount: ₹2,00,00,000
Indicative range for Flexi Hybrid Term Loan: Interest-only for the initial tenure, then principal + interest — exact terms vary by lender.
Maximum tenure: 6 years (72 months)
Monthly EMI
₹21,247
Total interest
₹2,74,823
Total payment
₹12,74,823
Indicative only — your actual EMI depends on the lender's exact rate and terms at sanction.
Principal vs. interest
- Principal 78.4%
- Interest 21.6%
Principal & interest paid per year
Time on the x-axis, amount repaid on the y-axis — early on leans toward interest, later on toward principal.
Full breakdown, starting this month
Assumes your first EMI falls this month — click a period to see every month within it.
Sep 2026 – Aug 2027 Principal paid₹1,62,268 Interest paid₹92,696 Total paid₹2,54,964
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2026 | ₹12,914 | ₹8,333 | ₹21,247 | ₹9,87,086 |
| Oct 2026 | ₹13,021 | ₹8,226 | ₹21,247 | ₹9,74,065 |
| Nov 2026 | ₹13,130 | ₹8,117 | ₹21,247 | ₹9,60,935 |
| Dec 2026 | ₹13,239 | ₹8,008 | ₹21,247 | ₹9,47,696 |
| Jan 2027 | ₹13,350 | ₹7,897 | ₹21,247 | ₹9,34,346 |
| Feb 2027 | ₹13,461 | ₹7,786 | ₹21,247 | ₹9,20,886 |
| Mar 2027 | ₹13,573 | ₹7,674 | ₹21,247 | ₹9,07,313 |
| Apr 2027 | ₹13,686 | ₹7,561 | ₹21,247 | ₹8,93,626 |
| May 2027 | ₹13,800 | ₹7,447 | ₹21,247 | ₹8,79,826 |
| Jun 2027 | ₹13,915 | ₹7,332 | ₹21,247 | ₹8,65,911 |
| Jul 2027 | ₹14,031 | ₹7,216 | ₹21,247 | ₹8,51,880 |
| Aug 2027 | ₹14,148 | ₹7,099 | ₹21,247 | ₹8,37,732 |
Sep 2027 – Aug 2028 Principal paid₹1,79,260 Interest paid₹75,705 Total paid₹2,54,964
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2027 | ₹14,266 | ₹6,981 | ₹21,247 | ₹8,23,466 |
| Oct 2027 | ₹14,385 | ₹6,862 | ₹21,247 | ₹8,09,081 |
| Nov 2027 | ₹14,505 | ₹6,742 | ₹21,247 | ₹7,94,576 |
| Dec 2027 | ₹14,626 | ₹6,621 | ₹21,247 | ₹7,79,951 |
| Jan 2028 | ₹14,747 | ₹6,500 | ₹21,247 | ₹7,65,203 |
| Feb 2028 | ₹14,870 | ₹6,377 | ₹21,247 | ₹7,50,333 |
| Mar 2028 | ₹14,994 | ₹6,253 | ₹21,247 | ₹7,35,339 |
| Apr 2028 | ₹15,119 | ₹6,128 | ₹21,247 | ₹7,20,220 |
| May 2028 | ₹15,245 | ₹6,002 | ₹21,247 | ₹7,04,974 |
| Jun 2028 | ₹15,372 | ₹5,875 | ₹21,247 | ₹6,89,602 |
| Jul 2028 | ₹15,500 | ₹5,747 | ₹21,247 | ₹6,74,102 |
| Aug 2028 | ₹15,630 | ₹5,618 | ₹21,247 | ₹6,58,472 |
Sep 2028 – Aug 2029 Principal paid₹1,98,030 Interest paid₹56,934 Total paid₹2,54,964
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2028 | ₹15,760 | ₹5,487 | ₹21,247 | ₹6,42,713 |
| Oct 2028 | ₹15,891 | ₹5,356 | ₹21,247 | ₹6,26,821 |
| Nov 2028 | ₹16,024 | ₹5,224 | ₹21,247 | ₹6,10,798 |
| Dec 2028 | ₹16,157 | ₹5,090 | ₹21,247 | ₹5,94,641 |
| Jan 2029 | ₹16,292 | ₹4,955 | ₹21,247 | ₹5,78,349 |
| Feb 2029 | ₹16,427 | ₹4,820 | ₹21,247 | ₹5,61,922 |
| Mar 2029 | ₹16,564 | ₹4,683 | ₹21,247 | ₹5,45,357 |
| Apr 2029 | ₹16,702 | ₹4,545 | ₹21,247 | ₹5,28,655 |
| May 2029 | ₹16,842 | ₹4,405 | ₹21,247 | ₹5,11,813 |
| Jun 2029 | ₹16,982 | ₹4,265 | ₹21,247 | ₹4,94,831 |
| Jul 2029 | ₹17,123 | ₹4,124 | ₹21,247 | ₹4,77,708 |
| Aug 2029 | ₹17,266 | ₹3,981 | ₹21,247 | ₹4,60,442 |
Sep 2029 – Aug 2030 Principal paid₹2,18,767 Interest paid₹36,198 Total paid₹2,54,964
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2029 | ₹17,410 | ₹3,837 | ₹21,247 | ₹4,43,032 |
| Oct 2029 | ₹17,555 | ₹3,692 | ₹21,247 | ₹4,25,477 |
| Nov 2029 | ₹17,701 | ₹3,546 | ₹21,247 | ₹4,07,775 |
| Dec 2029 | ₹17,849 | ₹3,398 | ₹21,247 | ₹3,89,926 |
| Jan 2030 | ₹17,998 | ₹3,249 | ₹21,247 | ₹3,71,929 |
| Feb 2030 | ₹18,148 | ₹3,099 | ₹21,247 | ₹3,53,781 |
| Mar 2030 | ₹18,299 | ₹2,948 | ₹21,247 | ₹3,35,482 |
| Apr 2030 | ₹18,451 | ₹2,796 | ₹21,247 | ₹3,17,031 |
| May 2030 | ₹18,605 | ₹2,642 | ₹21,247 | ₹2,98,426 |
| Jun 2030 | ₹18,760 | ₹2,487 | ₹21,247 | ₹2,79,666 |
| Jul 2030 | ₹18,916 | ₹2,331 | ₹21,247 | ₹2,60,749 |
| Aug 2030 | ₹19,074 | ₹2,173 | ₹21,247 | ₹2,41,675 |
Sep 2030 – Aug 2031 Principal paid₹2,41,675 Interest paid₹13,290 Total paid₹2,54,965
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2030 | ₹19,233 | ₹2,014 | ₹21,247 | ₹2,22,442 |
| Oct 2030 | ₹19,393 | ₹1,854 | ₹21,247 | ₹2,03,049 |
| Nov 2030 | ₹19,555 | ₹1,692 | ₹21,247 | ₹1,83,494 |
| Dec 2030 | ₹19,718 | ₹1,529 | ₹21,247 | ₹1,63,776 |
| Jan 2031 | ₹19,882 | ₹1,365 | ₹21,247 | ₹1,43,893 |
| Feb 2031 | ₹20,048 | ₹1,199 | ₹21,247 | ₹1,23,845 |
| Mar 2031 | ₹20,215 | ₹1,032 | ₹21,247 | ₹1,03,630 |
| Apr 2031 | ₹20,383 | ₹864 | ₹21,247 | ₹83,247 |
| May 2031 | ₹20,553 | ₹694 | ₹21,247 | ₹62,694 |
| Jun 2031 | ₹20,725 | ₹522 | ₹21,247 | ₹41,969 |
| Jul 2031 | ₹20,897 | ₹350 | ₹21,247 | ₹21,072 |
| Aug 2031 | ₹21,072 | ₹176 | ₹21,247 | ₹0 |
Lenders offering this product
Bajaj Finance
NBFC / HFC- Amount
- ₹200,000–15,000,000
- Rate from
- 10.50%
- Tenure
- 24–72 mo
- Processing fee
- 1.00%–2.00% + GST
Tata Capital
NBFC / HFC- Amount
- ₹150,000–12,000,000
- Rate from
- 10.75%
- Tenure
- 24–72 mo
- Processing fee
- 1.25%–2.25% + GST
Piramal Finance
NBFC / HFC- Amount
- ₹200,000–10,000,000
- Rate from
- 11.25%
- Tenure
- 24–60 mo
- Processing fee
- 1.50%–2.50% + GST
Kotak Mahindra Bank
Bank- Amount
- ₹300,000–20,000,000
- Rate from
- 10.00%
- Tenure
- 24–72 mo
- Processing fee
- 0.75%–1.75% + GST
Indicative terms shared by each lender — subject to their final verification and underwriting.
Compare lenders side by side
| Lender | Type | Interest rate | Processing fee | Loan amount | Tenure | Initial tenure | Subsequent tenure | Apply |
|---|---|---|---|---|---|---|---|---|
|
Bajaj Finance
|
NBFC / HFC | 10.50% | 1.00%–2.00% + GST | ₹200,000–15,000,000 | 24–72 mo | 12 mo | 60 mo | Apply Now |
|
Tata Capital
|
NBFC / HFC | 10.75% | 1.25%–2.25% + GST | ₹150,000–12,000,000 | 24–72 mo | 9 mo | 63 mo | Apply Now |
|
Piramal Finance
|
NBFC / HFC | 11.25% | 1.50%–2.50% + GST | ₹200,000–10,000,000 | 24–60 mo | 6 mo | 54 mo | Apply Now |
|
Kotak Mahindra Bank
Lowest rate
|
Bank | 10.00% | 0.75%–1.75% + GST | ₹300,000–20,000,000 | 24–72 mo | 12 mo | 60 mo | Apply Now |
Indicative terms shared by each lender — subject to their final verification and underwriting.
Why FynnEdge?
You could go directly to a bank. But why apply for a Flexi Hybrid Term Loan for Business Expansion through us?
One profile, many lenders
Share your details once — we match you against multiple lenders' criteria instead of you applying to each one separately.
Clear, upfront eligibility
See which lenders you're likely eligible for, with plain-language reasons, before you apply.
A fully online journey
Check eligibility, compare lenders and apply — all online, without a branch visit.
Free EMI & credit tools
Plan your EMI and check your credit score for free, before you commit to anything.
Guidance, not just a listing
We help you understand your options and why a lender is or isn't a fit — not just hand you a list.
No service charges
Comparing and applying through FynnEdge is free. Any lender fees are disclosed upfront by the lender.
What our customers say
“I compared three lenders on FynnEdge in minutes instead of visiting three branches. The eligibility check was upfront and honest about what I actually qualified for.”
Ananya Rao
Bengaluru
“What I liked most was there were no surprise charges — everything the lender would charge was shown before I applied.”
Vikram Singh
Delhi
Frequently asked questions
What does "interest-only" mean during the initial tenure?
During the initial tenure, your monthly payment covers only the interest on the loan — the outstanding principal doesn't reduce during this period. Once the initial tenure ends, the loan converts to a standard EMI covering both principal and interest for the subsequent tenure.
Is the initial tenure the same for every lender?
No. Each lender configures its own initial tenure, subsequent tenure and interest rate for this product — compare them in the lender comparison table and calculator above before choosing.
Can I prepay or foreclose a Flexi Hybrid Term Loan?
Prepayment and foreclosure terms are set by each lender individually. Check the specific lender's terms during your application, or ask a FynnEdge expert before you apply.