EMI & Returns Calculator
Plan your investment across Manna and Zion models. See EMI, ROI, and average profit before you buy.
1. Choose your machine
Selected model
Manna
List price Rs. 200,000 – Rs. 250,000
Unit price applied: Rs. 250,000
Add 5 more machines to unlock the lower volume price.
More than 5 machines use the lower list price. 5 or fewer use the higher list price.
2. EMI plan
Tenure
3. Sales assumptions
Defaults are conservative estimates. Adjust them to match your location.
Includes electricity, restocking, and miscellaneous costs. Cooling (Zion) defaults are higher.
Software maintenance of Rs. 10,000 per machine is added from the second year.
Manna × 1
Your estimate
Monthly EMI
Rs. 0
Avg. monthly profit
Rs. 0
Annual ROI (Year 1)
0%
Payback period
—
Investment
- Unit price
- Rs. 250,000
- Machines
- 1
- Total machine cost
- Rs. 250,000
- Down payment
- Rs. 0
- Loan amount
- Rs. 250,000
EMI
- Monthly EMI
- Rs. 0
- Tenure
- 12 months
- Total interest
- Rs. 0
- Total payable (loan)
- Rs. 0
- Cash flow during EMI
- Rs. 0
Monthly EMI is higher than operating profit. Increase down payment, extend tenure, or raise sales assumptions to stay cash-flow positive.
Returns & profit
- Monthly revenue
- Rs. 0
- Monthly gross profit
- Rs. 0
- Monthly operating profit (Year 1)
- Rs. 0
- Monthly profit after EMI ends
- Rs. 0
- Avg. monthly profit (5 years)
- Rs. 0
- Avg. yearly profit (5 years)
- Rs. 0
- Year 1 ROI
- 0%
- Year 2+ ROI
- 0%
- Average ROI (5 years)
- 0%
- Payback period
- —
ROI and payback are based on operating profit (sales minus product cost, operating cost, and software from year 2). EMI is shown separately as a financing cost.
5-year projection
| Year | Software | EMI paid | Operating profit | Net cash |
|---|
Figures are indicative estimates for planning only. Actual EMI depends on bank approval and interest rates. Returns vary with location, product mix, and operations. Software maintenance of Rs. 10,000 per machine applies from the second year.
Want help choosing a plan?
Our team can match a model, quantity, and EMI option to your location.