Enter values

Loan amount
Annual interest rate

Rs. 500,000
15.00 %

Loan period in years

Number of payments per year
Start date of loan
Optional extra payments

5.00
12
9/5/2012
Rs. 0

1. Please Enter

Loan summary
Scheduled payment
Scheduled number of payments
Actual number of payments
Total early payments
Total interest

Original Interest Amount with

Revised Interest post prepaym
Interest Saving

Rs. 11,895
60

% of Interest saved

52
Rs. 50,000
Rs. 167,793

2. Please enter the Pre-Payment Amount, it has to be atleast

Pmt.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28

Payment Date
10/5/2012
11/5/2012
12/5/2012
1/5/2013
2/5/2013
3/5/2013
4/5/2013
5/5/2013
6/5/2013
7/5/2013
8/5/2013
9/5/2013
10/5/2013
11/5/2013
12/5/2013
1/5/2014
2/5/2014
3/5/2014
4/5/2014
5/5/2014
6/5/2014
7/5/2014
8/5/2014
9/5/2014
10/5/2014
11/5/2014
12/5/2014
1/5/2015

Opening Balance
Rs. 500,000
Rs. 494,355
Rs. 488,640
Rs. 482,853
Rs. 426,993
Rs. 420,436
Rs. 413,796
Rs. 407,074
Rs. 400,267
Rs. 393,375
Rs. 386,398
Rs. 379,333
Rs. 372,179
Rs. 364,937
Rs. 357,603
Rs. 350,179
Rs. 342,661
Rs. 335,049
Rs. 327,342
Rs. 319,539
Rs. 311,638
Rs. 303,639
Rs. 295,539
Rs. 287,339
Rs. 279,035
Rs. 270,628
Rs. 262,116
Rs. 253,498

EMI Amount
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895

Part
Prepayment
Amount
Rs. 0
Rs. 0
Rs. 0
Rs. 50,000
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0

Total Payment

Principal
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 61,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895

Rs. 5,645
Rs. 5,716
Rs. 5,787
Rs. 55,859
Rs. 6,558
Rs. 6,640
Rs. 6,723
Rs. 6,807
Rs. 6,892
Rs. 6,978
Rs. 7,065
Rs. 7,153
Rs. 7,243
Rs. 7,333
Rs. 7,425
Rs. 7,518
Rs. 7,612
Rs. 7,707
Rs. 7,803
Rs. 7,901
Rs. 7,999
Rs. 8,099
Rs. 8,201
Rs. 8,303
Rs. 8,407
Rs. 8,512
Rs. 8,619
Rs. 8,726

Interest
Rs. 6,250
Rs. 6,179
Rs. 6,108
Rs. 6,036
Rs. 5,337
Rs. 5,255
Rs. 5,172
Rs. 5,088
Rs. 5,003
Rs. 4,917
Rs. 4,830
Rs. 4,742
Rs. 4,652
Rs. 4,562
Rs. 4,470
Rs. 4,377
Rs. 4,283
Rs. 4,188
Rs. 4,092
Rs. 3,994
Rs. 3,895
Rs. 3,795
Rs. 3,694
Rs. 3,592
Rs. 3,488
Rs. 3,383
Rs. 3,276
Rs. 3,169

Ending Balance
Rs. 494,355
Rs. 488,640
Rs. 482,853
Rs. 426,993
Rs. 420,436
Rs. 413,796
Rs. 407,074
Rs. 400,267
Rs. 393,375
Rs. 386,398
Rs. 379,333
Rs. 372,179
Rs. 364,937
Rs. 357,603
Rs. 350,179
Rs. 342,661
Rs. 335,049
Rs. 327,342
Rs. 319,539
Rs. 311,638
Rs. 303,639
Rs. 295,539
Rs. 287,339
Rs. 279,035
Rs. 270,628
Rs. 262,116
Rs. 253,498
Rs. 244,771

2. Please enter the Pre-Payment Amount, it has to be atleast

Pmt.
No.
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

Payment Date
2/5/2015
3/5/2015
4/5/2015
5/5/2015
6/5/2015
7/5/2015
8/5/2015
9/5/2015
10/5/2015
11/5/2015
12/5/2015
1/5/2016
2/5/2016
3/5/2016
4/5/2016
5/5/2016
6/5/2016
7/5/2016
8/5/2016
9/5/2016
10/5/2016
11/5/2016
12/5/2016
1/5/2017
2/5/2017
3/5/2017
4/5/2017
5/5/2017
6/5/2017
7/5/2017
8/5/2017
9/5/2017

Opening Balance
Rs. 244,771
Rs. 235,936
Rs. 226,990
Rs. 217,933
Rs. 208,762
Rs. 199,477
Rs. 190,075
Rs. 180,556
Rs. 170,918
Rs. 161,160
Rs. 151,279
Rs. 141,275
Rs. 131,146
Rs. 120,890
Rs. 110,507
Rs. 99,993
Rs. 89,348
Rs. 78,570
Rs. 67,657
Rs. 56,608
Rs. 45,420
Rs. 34,093
Rs. 22,624
Rs. 11,012
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0

EMI Amount
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895

Part
Prepayment
Amount
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0

Total Payment

Principal
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,895
Rs. 11,012
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0

Rs. 8,835
Rs. 8,946
Rs. 9,058
Rs. 9,171
Rs. 9,285
Rs. 9,402
Rs. 9,519
Rs. 9,638
Rs. 9,758
Rs. 9,880
Rs. 10,004
Rs. 10,129
Rs. 10,256
Rs. 10,384
Rs. 10,514
Rs. 10,645
Rs. 10,778
Rs. 10,913
Rs. 11,049
Rs. 11,187
Rs. 11,327
Rs. 11,469
Rs. 11,612
Rs. 10,874
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0

Interest
Rs. 3,060
Rs. 2,949
Rs. 2,837
Rs. 2,724
Rs. 2,610
Rs. 2,493
Rs. 2,376
Rs. 2,257
Rs. 2,136
Rs. 2,014
Rs. 1,891
Rs. 1,766
Rs. 1,639
Rs. 1,511
Rs. 1,381
Rs. 1,250
Rs. 1,117
Rs. 982
Rs. 846
Rs. 708
Rs. 568
Rs. 426
Rs. 283
Rs. 138
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
167793.014

Ending Balance
Rs. 235,936
Rs. 226,990
Rs. 217,933
Rs. 208,762
Rs. 199,477
Rs. 190,075
Rs. 180,556
Rs. 170,918
Rs. 161,160
Rs. 151,279
Rs. 141,275
Rs. 131,146
Rs. 120,890
Rs. 110,507
Rs. 99,993
Rs. 89,348
Rs. 78,570
Rs. 67,657
Rs. 56,608
Rs. 45,420
Rs. 34,093
Rs. 22,624
Rs. 11,012
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0

Interest Amount without prepayment

Interest post prepayment
Saving

nterest saved

213698
167793
45904.88908

21%
3.SAVINGS BY MAKING
PART-PREPAYMENT

Cumulative Interest
Rs. 6,250
Rs. 12,429
Rs. 18,537
Rs. 24,573
Rs. 29,911
Rs. 35,166
Rs. 40,338
Rs. 45,427
Rs. 50,430
Rs. 55,347
Rs. 60,177
Rs. 64,919
Rs. 69,571
Rs. 74,133
Rs. 78,603
Rs. 82,980
Rs. 87,263
Rs. 91,452
Rs. 95,543
Rs. 99,538
Rs. 103,433
Rs. 107,229
Rs. 110,923
Rs. 114,515
Rs. 118,002
Rs. 121,385
Rs. 124,662
Rs. 127,831

Cumulative Interest
Rs. 130,890
Rs. 133,839
Rs. 136,677
Rs. 139,401
Rs. 142,010
Rs. 144,504
Rs. 146,880
Rs. 149,137
Rs. 151,273
Rs. 153,288
Rs. 155,179
Rs. 156,945
Rs. 158,584
Rs. 160,095
Rs. 161,476
Rs. 162,726
Rs. 163,843
Rs. 164,825
Rs. 165,671
Rs. 166,379
Rs. 166,946
Rs. 167,373
Rs. 167,655
Rs. 167,793
Rs. 167,793
Rs. 167,793
Rs. 167,793
Rs. 167,793
Rs. 167,793
Rs. 167,793
Rs. 167,793
Rs. 167,793

Customer Name
Loan Amount
Processing Fee
Group Insurance Charges
Disbursed Amount
Tenor
Customer IRR
EMI Amount
First EMI Due date

EMI
Date
0-Jan-00
31-Jan-00
2-Mar-00
2-Apr-00
2-May-00
2-Jun-00
2-Jul-00
2-Aug-00
2-Sep-00
2-Oct-00
2-Nov-00
2-Dec-00
2-Jan-01
2-Feb-01
2-Mar-01
2-Apr-01
2-May-01
2-Jun-01
2-Jul-01
2-Aug-01
2-Sep-01
2-Oct-01
2-Nov-01
2-Dec-01
2-Jan-02
2-Feb-02
2-Mar-02
2-Apr-02
2-May-02
2-Jun-02
2-Jul-02

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

500,000
500,000
60
15.00%
11,895

15.00%
Business IRR
213698

Principal
Interest
Outstanding
Component
500000
6250
494355
6179
488640
6108
482853
6036
476993
5962
471061
5888
465054
5813
458972
5737
452814
5660
446580
5582
440267
5503
433875
5423
427404
5343
420851
5261
414217
5178
407500
5094
400698
5009
393812
4923
386840
4835
379780
4747
372633
4658
365396
4567
358068
4476
350649
4383
343137
4289
335531
4194
327831
4098
320034
4000
312139
3902
304146
3802
296053
3701

Principal
Component
5645
5716
5787
5859
5933
6007
6082
6158
6235
6313
6392
6472
6552
6634
6717
6801
6886
6972
7059
7148
7237
7328
7419
7512
7606
7701
7797
7895
7993
8093
8194

EMI
Amount
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895

2-Aug-02
2-Sep-02
2-Oct-02
2-Nov-02
2-Dec-02
2-Jan-03
2-Feb-03
2-Mar-03
2-Apr-03
2-May-03
2-Jun-03
2-Jul-03
2-Aug-03
2-Sep-03
2-Oct-03
2-Nov-03
2-Dec-03
2-Jan-04
2-Feb-04
2-Mar-04
2-Apr-04
2-May-04
2-Jun-04
2-Jul-04
2-Aug-04
2-Sep-04
2-Oct-04
2-Nov-04
2-Dec-04

32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

287858
279562
271161
262656
254044
245325
236496
227557
218507
209343
200065
190671
181159
171529
161778
151905
141909
131788
121540
111165
100659
90023
79253
68349
57308
46129
34811
23351
11748

3598
3495
3390
3283
3176
3067
2956
2844
2731
2617
2501
2383
2264
2144
2022
1899
1774
1647
1519
1390
1258
1125
991
854
716
577
435
292
147

8297
8400
8505
8612
8719
8828
8939
9050
9164
9278
9394
9512
9630
9751
9873
9996
10121
10248
10376
10505
10637
10770
10904
11041
11179
11318
11460
11603
11748

11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895
11895