Primary Mandate:From Business Idea to Bank Sanction — Everything Under One Roof.

VS Project and Financial Advisory Logo
Interactive Financial Workbench

VS Financial Intelligence Tools

Standardized mathematical calculators reflecting Indian banking appraisal conventions, Tandon/Nayak working capital norms, and project finance underwriting standards.

Regulatory Notice: These calculators are intended solely for illustrative financial modeling and educational planning. They do not constitute regulated financial, legal, or investment advice and do not represent a loan sanction or interest rate commitment.
Credit Facility Sizing

Equated Monthly Installment (EMI) Calculator

Compute monthly debt repayment obligations based on user-entered principal and loan tenure.

Standard Reducing Balance EMI Formula:
EMI = P × r × (1 + r)^n / [ (1 + r)^n - 1 ]
Where P = Principal Loan Amount, r = Monthly Interest Rate (Annual Rate / 12 / 100), n = Tenure in Months.
Loan Principal Amount₹5,000,000 (50 Lakhs)
Annual Interest Rate (%) — User-Entered9.75% p.a.
Enter the indicative rate agreed with your lender. VS does not fabricate rates.
Loan Tenure (Years)7 Years (84 Months)
Monthly Repayment Commitment
₹82,361
Per Month for 84 Months
₹69LTotal Outflow
Principal:72%
Total Interest:28%
Principal Amount:₹5,000,000
Total Interest Payable:₹1,918,324
Total Cost of Loan:₹6,918,324
Bank Underwriting Perspective:

Lenders verify that this monthly EMI of ₹82,361 does not exceed 40–50% of your projected average monthly Free Cash Flow (PAT + Depreciation).

Professional Synthesis

Turn Financial Estimates into Bankable DPR Dossiers

Calculators provide initial ballpark estimates. Commercial bank sanction committees require multi-year audited historical reconciliations, audited CMA schedules, and sensitivity tables.

Book Financial AdvisoryCheck Finance Readiness

Statutory & Regulatory Notice

Indicative eligibility only. Actual credit appraisal, loan amount, rate of interest, and sanction terms are subject to detailed lender assessment. VS Project & Financial Advisory Private Limited provides professional project advisory, financial modelling, and document readiness services. We do not claim guaranteed bank sanction or guaranteed funding. Approval is solely at the discretion of the relevant financial institution, bank, NBFC, or government subsidy authority.