Commercial Property Loan
EMI Calculator — Commercial Property Loan
Drag the sliders to calculate the monthly EMI on a commercial property loan. Defaults are set for an inline retail unit at The Icon — ₹50 L principal, 9.5% interest, 15-year tenure.
₹50 L is the entry ticket for an inline retail unit at The Icon.
Commercial-property loan rates currently run 8.5-11%.
Commercial-property loans typically max at 15-20 years.
Monthly EMI
₹52,211
Total interest paid
₹43,98,022
Total amount paid
₹93,98,022(principal + interest)
Indicative calculation only. Banks apply processing fees, GST on processing and pre-EMI interest during construction-linked disbursement — your actual cash outflow may be 1-3% higher.
How the EMI formula works
EMI = [P × R × (1+R)N] / [(1+R)N − 1]
- P = Principal (loan amount disbursed)
- R = Monthly interest rate (annual rate ÷ 12 ÷ 100)
- N = Total number of months (years × 12)
This is the standard reducing-balance EMI formula used by every major Indian bank. Construction-linked disbursement (typical for under-construction commercial) starts as a pre-EMI (interest-only on the disbursed portion) and ramps to full EMI on the principal once fully disbursed.
Want to lock the current pre-launch rate at The Icon?
Channel-partner discount of ₹1,000/sq.ft. on anchor retail plus the pre-launch discount. Time-bound to the current phase.
Get the current price sheet
HRERA-registered channel partner · WhatsApp under 10 min during business hours.