Education Loan Amortization table

Month EMI Amount(Rs)

Interest Amount(Rs)

Principal Reduction(Rs)

Balance Due(Rs)

8,999.18

4,166.67

4,832.51

395,167.49

8,999.18

4,116.33

4,882.85

390,284.64

8,999.18

4,065.47

4,933.71

385,350.93

8,999.18

4,014.07

4,985.10

380,365.83

8,999.18

3,962.14

5,037.03

375,328.80

8,999.18

3,909.67

5,089.50

370,239.30

8,999.18

3,856.66

5,142.52

365,096.78

8,999.18

3,803.09

5,196.08

359,900.70

8,999.18

3,748.97

5,250.21

354,650.49

10

8,999.18

3,694.28

5,304.90

349,345.59

11

8,999.18

3,639.02

5,360.16

343,985.43

12

8,999.18

3,583.18

5,415.99

338,569.44

13

8,999.18

3,526.76

5,472.41

333,097.03

14

8,999.18

3,469.76

5,529.41

327,567.61

15

8,999.18

3,412.16

5,587.01

321,980.60

16

8,999.18

3,353.96

5,645.21

316,335.39

17

8,999.18

3,295.16

5,704.01

310,631.37

18

8,999.18

3,235.74

5,763.43

304,867.94

19

8,999.18

3,175.71

5,823.47

299,044.48

20

8,999.18

3,115.05

5,884.13

293,160.35

21

8,999.18

3,053.75

5,945.42

287,214.93

22

8,999.18

2,991.82

6,007.35

281,207.57

23

8,999.18

2,929.25

6,069.93

275,137.64

24

8,999.18

2,866.02

6,133.16

269,004.48

25

8,999.18

2,802.13

6,197.05

262,807.44

26

8,999.18

2,737.58

6,261.60

256,545.84

27

8,999.18

2,672.35

6,326.82

250,219.02

28

8,999.18

2,606.45

6,392.73

243,826.29

29

8,999.18

2,539.86

6,459.32

237,366.97

30

8,999.18

2,472.57

6,526.60

230,840.37

31

8,999.18

2,404.59

6,594.59

224,245.78

32

8,999.18

2,335.89

6,663.28

217,582.50

33

8,999.18

2,266.48

6,732.69

210,849.81

34

8,999.18

2,196.35

6,802.82

204,046.99

35

8,999.18

2,125.49

6,873.69

197,173.30

36

8,999.18

2,053.89

6,945.29

190,228.01

37

8,999.18

1,981.54

7,017.63

183,210.38

38

8,999.18

1,908.44

7,090.73

176,119.65

39

8,999.18

1,834.58

7,164.60

168,955.05

40

8,999.18

1,759.95

7,239.23

161,715.82

41

8,999.18

1,684.54

7,314.64

154,401.19

42

8,999.18

1,608.35

7,390.83

147,010.36

43

8,999.18

1,531.36

7,467.82

139,542.54

44

8,999.18

1,453.57

7,545.61

131,996.93

45

8,999.18

1,374.97

7,624.21

124,372.73

46

8,999.18

1,295.55

7,703.63

116,669.10

47

8,999.18

1,215.30

7,783.87

108,885.23

48

8,999.18

1,134.22

7,864.95

101,020.28

49

8,999.18

1,052.29

7,946.88

93,073.39

50

8,999.18

969.51

8,029.66

85,043.73

51

8,999.18

885.87

8,113.30

76,930.43

52

8,999.18

801.36

8,197.82

68,732.61

53

8,999.18

715.96

8,283.21

60,449.40

54

8,999.18

629.68

8,369.49

52,079.91

55

8,999.18

542.50

8,456.68

43,623.23

56

8,999.18

454.41

8,544.77

35,078.47

57

8,999.18

365.40

8,633.77

26,444.69

58

8,999.18

275.47

8,723.71

17,720.98

59

8,999.18

184.59

8,814.58

8,906.40

60

8,999.18

92.78

8,906.40

Total:

539,950.52

139,950.52

400,000.00

Investment Instruments

Returns

Government Securities (Bonds)

Equity
Mutual Funds

Debentures/ Bonds
Real Estate
Gold
Bank fixed deposits
Corporate Fixed Deposits
Post office savings schemes
National Pension Scheme
Commodity
Investing in Art
Venture Capital/ Angle Investing

8-9%
12-13%

Example

bit riskier compared to govt. bonds,Returns

higher compared to govt. bonds

FD by Mahindra Finance & Shriram Trans. Finance