Apply for a 1 Crore Term Loan

Eligibility, rates and how to apply for a 1 Crore Term Loan.

Lump sum disbursal

Fixed repayment schedule

Suited to larger one-time business needs

10%

Interest from

₹5 Crore

Loan up to

10 years

Tenure up to

Looking for a 1 Crore Term Loan? Fixed-tenure business funding for expansion, equipment or working capital, repaid via scheduled EMIs.

Term Loan is typically available from ₹100,000 to ₹50,000,000 over a tenure of 12–120 months, at indicative rates of 10%–20% p.a.

Lenders typically assess: Minimum business vintage (varies by lender); Healthy annual turnover; Reasonable existing business obligations.

Eligibility and final terms are set by the lender at the time of application — the figures here are indicative starting points, not a guarantee of approval or of the exact rate you'll be offered.

1 Crore Term Loan EMI calculator

Estimate your monthly instalment and see the full year-by-year principal and interest breakdown.

Loan amount

₹

Maximum loan amount: ₹5,00,00,000

Interest rate (p.a.)

Indicative range for Term Loan: 10.00% – 20.00%

Tenure

years

Maximum tenure: 10 years (120 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

2026

2027

2028

2029

2030

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.

Period Principal paid Interest paid Total paid

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

Balance remaining after the last month of each period shown above.

Why FynnEdge?

You could go directly to a bank. But why apply for a 1 Crore Term Loan 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