Make your assumptions
work a little harder.

Explore an illustrative loan repayment or working capital estimate. No contact details are required.

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Loan amount (₹) Annual interest rate (%) Tenure (years)

Annual operating cost (₹) Inventory days Receivable days Payable days

Illustrative monthly repayment

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Enter your assumptions and calculate.

Planning illustration only. KJK does not lend directly. Figures exclude KJK brokerage or commission and funding-provider charges. EMI uses monthly compounding and equal monthly instalments, excluding fees, tax, moratoria and floating-rate changes. Working capital uses operating cost / 365 × max(0, inventory days + receivable days − payable days). Actual lender assessment may differ. This is not a quote, credit decision or guaranteed funding offer.

These interactive tools need JavaScript. For an indicative EMI, use P × r × (1+r)ⁿ / ((1+r)ⁿ − 1), where r is the annual percentage rate / 1200 and n is the number of monthly instalments. At zero interest, use P / n. Contact KJK to discuss your assumptions.

Tools for preparation.

Calculators simplify real arrangements. Compare assumptions, then discuss the full structure, fees, cash flows and obligations with relevant professionals. Results do not establish eligibility or a funding offer.