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Machinery & Equipment Loan Calculator
Calculate down payment margin, monthly EMI, and depreciation benefits for commercial equipment and machinery loans.
About Machinery & Industrial Equipment Loans
Machinery term loans allow industrial units, manufacturers, and hospitals to finance plant and equipment, typically requiring a 15% to 25% promoter margin.
Frequently Asked Questions
Can you claim depreciation on financed machinery?
Yes. You can claim tax depreciation on the asset (commonly 15% to 40% under the Income Tax Act) even while financing it.
What serves as security for machinery loans?
The purchased equipment is hypothecated as primary security to the lending bank.
Are government capital subsidies available?
Yes. Central and state industrial schemes (such as CLCSS or state industrial policies) offer 15% to 25% capital subsidies on eligible machinery.
What is the typical repayment tenure?
Tenures typically span 3 to 7 years, matching the equipment's expected economic life.
How to use
Calculate in three steps
- 1Enter your valuesUse the fields above and check the units shown beside each input.
- 2Run the calculationSelect Calculate to refresh the result with your latest values.
- 3Review or shareCompare the result, reset the form, print it, or share this page.
Inputs
What you need
Machinery Invoice Cost₹
Promoter Margin / Down Payment%
Interest Rate%
Loan Tenure (Years)yrs