Business tools and guides

Lenders do not hand out a loan based on your income alone — they work backwards from how much EMI your income can safely absorb. The method nearly every Indian bank and NBFC uses is the FOIR, or Fixed Obligation to Income Ratio: the lender caps your total monthly EMIs (existing plus the new loan) at a fraction of your monthly income, typically between 40% and 60%, with 50% a common middle. If you earn ₹1,00,000 a month and the lender applies a 50% FOIR, your total EMIs may not exceed ₹50,000; whatever you already pay on other loans is subtracted, and only the room that remains can service a new loan.

The Business Loan EMI & Eligibility Calculator turns that room into a loan amount. It takes your monthly income, your existing EMIs, the interest rate, and the tenure, applies the FOIR cap to find the largest new EMI you can carry, and back-solves the principal that EMI can service. It then shows the EMI, total interest, and total repayment on that eligible amount — so before you approach a lender you already know the realistic ceiling, not an optimistic guess.

A job offer’s cost-to-company figure is the employer’s total annual spend on you — and a chunk of it never reaches your account. The employer’s own EPF contribution (12% of basic pay) and the gratuity it provisions each year (the statutory 15/26 of a month per year of service) are both counted inside CTC but are set aside, not paid out. From the gross that remains, your own 12% EPF contribution and professional tax are deducted before in-hand pay. The result is that a ₹12 lakh CTC with a 40% basic component pays meaningfully less than ₹1 lakh a month in hand.

The Salary (In-hand & CTC Breakup) Calculator makes this visible. Enter the CTC and the basic-pay percentage, and it separates the employer’s contributions from your gross, deducts your EPF and professional tax, and shows monthly and annual in-hand pay alongside the EPF and gratuity components. Because it surfaces your gross salary, the figure feeds directly into the Income Tax Calculator and TDS Calculator so you can see the tax side of the same offer.

GST registration is compulsory once your aggregate annual turnover crosses the threshold, and the threshold depends on what you supply and where. For a business supplying goods the limit is ₹40 lakh in most states, ₹20 lakh in a reduced-threshold group (Arunachal Pradesh, Meghalaya, Sikkim, Telangana, Uttarakhand, Puducherry), and ₹10 lakh in the four special-category states (Manipur, Mizoram, Nagaland, Tripura); for services it is ₹20 lakh everywhere except those four special-category states, where it is ₹10 lakh. These limits were left unchanged by the GST 2.0 reform of September 2025. Registration is also compulsory regardless of turnover in specific cases under Section 24 — chiefly if you make inter-state taxable supplies or sell through an e-commerce operator.

The GST Registration Threshold Checker walks through this decision for you. Enter your turnover, whether you supply goods or services, your state, and whether you sell inter-state or through a marketplace, and it tells you whether registration is required, which threshold applies, and why. Once it confirms you need to register — or you choose to register voluntarily to claim input credit — the GST Calculator and GSTIN Validator in the GST hub handle the day-to-day work that follows.

The three business tools connect to the wider Samastam set. Start the hiring or job-change conversation with the Salary Calculator to turn a CTC into real in-hand pay, then carry the gross figure into the Income Tax Calculator to compare regimes and the TDS Calculator to check monthly deductions. When financing growth, the Business Loan EMI & Eligibility Calculator shows the realistic loan ceiling before you apply, and pairs with the Home Loan EMI Calculator in the finance hub for personal borrowing. As turnover grows, the GST Registration Threshold Checker tells you when compliance kicks in and hands off to the GST tools. Everything runs in your browser with nothing uploaded.

These calculators are informational and use the published rules and standard methods Indian lenders and payroll teams apply; FOIR caps, professional-tax slabs, and lender policies vary, and GST rules can change. For a specific loan sanction, salary structure, or registration decision, confirm with your lender, employer, or a qualified chartered accountant.