Free tools
Do the math before you borrow
Three free tools for founders, franchisees, and operators. Everything runs in your browser — no sign-up, no credit-report pull, and every result is illustrative: lender underwriting sets the final terms.
EMI calculator
Know the monthly instalment before you talk to anyone.You get the reducing-balance EMI, total interest, total payable, and the full month-by-month amortization schedule — computed exactly, in your browser.
Open the EMI calculatorEligibility checker
See which product families typically fit your profile — before you apply anywhere.You get an indicative read on the families that usually fit your entity type, vintage, and turnover, with every rule shown in the open. No score, no credit pull.
Open the eligibility checkerWorking-capital calculator
Put a number on the cash your operating cycle quietly locks up.You get your cash-conversion cycle in days and an indicative working-capital gap in rupees — with the arithmetic explained line by line.
Open the working-capital calculatorNumbers looking workable?
Turn them into a conversation — a named consultant calls back within one working day and tells you which family of credit fits and what to assemble. Ojas Loans is a lending service provider, is never the lender, and has no lender empanelled today, so this is preparation rather than an application.
Talk it throughTalk to an advisor