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Input

Customer Name
Loan Amount 150,887 4045 charge
Processing Fee 8072 int paid
Group Insurance Charge - 30000 part pay
Disbursed Amount 150,887 42117
Tenor 46
Customer IRR 18.00% 18.00% Business IRR
EMI Amount 4,565
First EMI Due date 5-Dec-10

EMI Month Interest


Date Principal Principal EMI
Outstanding Component Component Amount
5-Dec-10 1 150887 2263 2301 4565
5-Jan-11 2 148586 2229 2336 4565
5-Feb-11 3 146250 2194 2371 4565
5-Mar-11 4 143879 2158 2406 4565
5-Apr-11 5 141473 2122 2442 4565
5-May-11 6 139031 2085 2479 4565
5-Jun-11 7 136551 2048 2516 4565
5-Jul-11 8 134035 2011 2554 4565
5-Aug-11 9 131481 1972 2592 4565
5-Sep-11 10 128889 1933 2631 4565
5-Oct-11 11 126258 1894 2671 4565
5-Nov-11 12 123587 1854 2711 4565
5-Dec-11 13 120876 1813 2751 4565
5-Jan-12 14 118125 1772 2793 4565
5-Feb-12 15 115332 1730 2835 4565
5-Mar-12 16 112498 1687 2877 4565
5-Apr-12 17 109621 1644 2920 4565
5-May-12 18 106701 1601 2964 4565
5-Jun-12 19 103737 1556 3008 4565
5-Jul-12 20 100728 1511 3054 4565
5-Aug-12 21 97674 1465 3099 4565
5-Sep-12 22 94575 1419 3146 4565
5-Oct-12 23 91429 1371 3193 4565
5-Nov-12 24 88236 1324 3241 4565
5-Dec-12 25 84995 1275 3290 4565
5-Jan-13 26 81706 1226 3339 4565
5-Feb-13 27 78367 1175 3389 4565
5-Mar-13 28 74978 1125 3440 4565
5-Apr-13 29 71538 1073 3491 4565
5-May-13 30 68046 1021 3544 4565
5-Jun-13 31 64502 968 3597 4565
5-Jul-13 32 60905 914 3651 4565
5-Aug-13 33 57255 859 3706 4565
5-Sep-13 34 53549 803 3761 4565
5-Oct-13 35 49788 747 3818 4565
5-Nov-13 36 45970 690 3875 4565
5-Dec-13 37 42095 631 3933 4565
5-Jan-14 38 38162 572 3992 4565
5-Feb-14 39 34170 513 4052 4565
5-Mar-14 40 30118 452 4113 4565
5-Apr-14 41 26005 390 4174 4565
5-May-14 42 21830 327 4237 4565
5-Jun-14 43 17593 264 4301 4565
5-Jul-14 44 13293 199 4365 4565
5-Aug-14 45 8928 134 4431 4565
5-Sep-14 46 4497 67 4497 4565
200000
Part Prepayment calculator - Please change the orange colored ce

Enter values Loan summary


Loan amount Rs. 200,000 Scheduled payment Rs. 4,742
Annual interest rate 14.85 % Scheduled number of payments 60
Loan period in years 5.00 Actual number of payments 44
Number of payments per year 12 Total early payments Rs. 45,000
Start date of loan 7/5/2011 Total interest Rs. 49,111
Optional extra payments Rs. 0 Broken Period Int 757
Interest earned 5,490

Part
Pmt. Payment Date Opening Balance EMI Amount Prepayment Total Payment Principal
No. Amount
1 8/5/2011 Rs. 200,000 Rs. 4,742 Rs. 4,742 Rs. 2,267
2 9/5/2011 Rs. 197,733 Rs. 4,742 Rs. 4,742 Rs. 2,295
3 10/5/2011 Rs. 195,437 Rs. 4,742 Rs. 4,742 Rs. 2,324
4 11/5/2011 Rs. 193,114 Rs. 4,742 Rs. 30,000 Rs. 34,742 Rs. 32,352
5 12/5/2011 Rs. 160,761 Rs. 4,742 Rs. 4,742 Rs. 2,753
6 1/5/2012 Rs. 158,008 Rs. 4,742 Rs. 15,000 Rs. 19,742 Rs. 17,787
7 2/5/2012 Rs. 140,222 Rs. 4,742 Rs. 4,742 Rs. 3,007
8 3/5/2012 Rs. 137,215 Rs. 4,742 Rs. 4,742 Rs. 3,044
9 4/5/2012 Rs. 134,170 Rs. 4,742 Rs. 4,742 Rs. 3,082
10 5/5/2012 Rs. 131,088 Rs. 4,742 Rs. 4,742 Rs. 3,120
11 6/5/2012 Rs. 127,968 Rs. 4,742 Rs. 4,742 Rs. 3,159
12 7/5/2012 Rs. 124,810 Rs. 4,742 Rs. 4,742 Rs. 3,198
13 8/5/2012 Rs. 121,612 Rs. 4,742 Rs. 4,742 Rs. 3,237
14 9/5/2012 Rs. 118,375 Rs. 4,742 Rs. 4,742 Rs. 3,277
15 10/5/2012 Rs. 115,097 Rs. 4,742 Rs. 4,742 Rs. 3,318
Part
Pmt. Payment Date Opening Balance EMI Amount Prepayment Total Payment Principal
No. Amount
16 11/5/2012 Rs. 111,779 Rs. 4,742 Rs. 4,742 Rs. 3,359
17 12/5/2012 Rs. 108,420 Rs. 4,742 Rs. 4,742 Rs. 3,401
18 1/5/2013 Rs. 105,020 Rs. 4,742 Rs. 4,742 Rs. 3,443
19 2/5/2013 Rs. 101,577 Rs. 4,742 Rs. 4,742 Rs. 3,485
20 3/5/2013 Rs. 98,092 Rs. 4,742 Rs. 4,742 Rs. 3,528
21 4/5/2013 Rs. 94,564 Rs. 4,742 Rs. 4,742 Rs. 3,572
22 5/5/2013 Rs. 90,992 Rs. 4,742 Rs. 4,742 Rs. 3,616
23 6/5/2013 Rs. 87,375 Rs. 4,742 Rs. 4,742 Rs. 3,661
24 7/5/2013 Rs. 83,714 Rs. 4,742 Rs. 4,742 Rs. 3,706
25 8/5/2013 Rs. 80,008 Rs. 4,742 Rs. 4,742 Rs. 3,752
26 9/5/2013 Rs. 76,256 Rs. 4,742 Rs. 4,742 Rs. 3,799
27 10/5/2013 Rs. 72,457 Rs. 4,742 Rs. 4,742 Rs. 3,846
28 11/5/2013 Rs. 68,612 Rs. 4,742 Rs. 4,742 Rs. 3,893
29 12/5/2013 Rs. 64,719 Rs. 4,742 Rs. 4,742 Rs. 3,941
30 1/5/2014 Rs. 60,777 Rs. 4,742 Rs. 4,742 Rs. 3,990
31 2/5/2014 Rs. 56,787 Rs. 4,742 Rs. 4,742 Rs. 4,040
32 3/5/2014 Rs. 52,748 Rs. 4,742 Rs. 4,742 Rs. 4,090
33 4/5/2014 Rs. 48,658 Rs. 4,742 Rs. 4,742 Rs. 4,140
34 5/5/2014 Rs. 44,518 Rs. 4,742 Rs. 4,742 Rs. 4,191
35 6/5/2014 Rs. 40,327 Rs. 4,742 Rs. 4,742 Rs. 4,243
36 7/5/2014 Rs. 36,083 Rs. 4,742 Rs. 4,742 Rs. 4,296
37 8/5/2014 Rs. 31,788 Rs. 4,742 Rs. 4,742 Rs. 4,349
38 9/5/2014 Rs. 27,439 Rs. 4,742 Rs. 4,742 Rs. 4,403
39 10/5/2014 Rs. 23,036 Rs. 4,742 Rs. 4,742 Rs. 4,457
40 11/5/2014 Rs. 18,579 Rs. 4,742 Rs. 4,742 Rs. 4,512
41 12/5/2014 Rs. 14,067 Rs. 4,742 Rs. 4,742 Rs. 4,568
42 1/5/2015 Rs. 9,498 Rs. 4,742 Rs. 4,742 Rs. 4,625
43 2/5/2015 Rs. 4,874 Rs. 4,742 Rs. 4,742 Rs. 4,682
44 3/5/2015 Rs. 192 Rs. 4,742 Rs. 192 Rs. 189
Part
Pmt. Payment Date Opening Balance EMI Amount Prepayment Total Payment Principal
No. Amount
45 4/5/2015 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
46 5/5/2015 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
47 6/5/2015 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
48 7/5/2015 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
49 8/5/2015 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
50 9/5/2015 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
51 10/5/2015 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
52 11/5/2015 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
53 12/5/2015 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
54 1/5/2016 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
55 2/5/2016 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
56 3/5/2016 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
57 4/5/2016 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
58 5/5/2016 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
59 6/5/2016 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
60 7/5/2016 Rs. 0 Rs. 4,742 Rs. 0 Rs. 0
e colored cells only

Original Interest Amount without prepayment 225563


Revised Interest post prepayment 179003
Interest Saving 46560
% of Interest saved 21%

50,900 future int Interest Diamond


44,378 58683.30048282 4,045 charge 2250 KP bro 20,000
15000 8,072 int paid 1340 int
43,683 63,017 total 3,590

Interest Ending Balance Cumulative Interest

Rs. 2,475 Rs. 197,733 Rs. 2,475


Rs. 2,447 Rs. 195,437 Rs. 4,922
Rs. 2,419 Rs. 193,114 Rs. 7,340
Rs. 2,390 Rs. 160,761 Rs. 9,730 paid on 15th Oct
Rs. 1,989 Rs. 158,008 Rs. 11,720
Rs. 1,955 Rs. 140,222 Rs. 13,675 Rs. 46,773
Rs. 1,735 Rs. 137,215 Rs. 15,410 4045
Rs. 1,698 Rs. 134,170 Rs. 17,108 -Rs. 5,490.27
Rs. 1,660 Rs. 131,088 Rs. 18,769 Rs. 45,328
Rs. 1,622 Rs. 127,968 Rs. 20,391 Rs. 37,328
Rs. 1,584 Rs. 124,810 Rs. 21,974
Rs. 1,545 Rs. 121,612 Rs. 23,519
Rs. 1,505 Rs. 118,375 Rs. 25,024
Rs. 1,465 Rs. 115,097 Rs. 26,489
Rs. 1,424 Rs. 111,779 Rs. 27,913
Interest Ending Balance Cumulative Interest

Rs. 1,383 Rs. 108,420 Rs. 29,296


Rs. 1,342 Rs. 105,020 Rs. 30,638
Rs. 1,300 Rs. 101,577 Rs. 31,938
Rs. 1,257 Rs. 98,092 Rs. 33,195
Rs. 1,214 Rs. 94,564 Rs. 34,409
Rs. 1,170 Rs. 90,992 Rs. 35,579
Rs. 1,126 Rs. 87,375 Rs. 36,705
Rs. 1,081 Rs. 83,714 Rs. 37,786
Rs. 1,036 Rs. 80,008 Rs. 38,822
Rs. 990 Rs. 76,256 Rs. 39,812
Rs. 944 Rs. 72,457 Rs. 40,756
Rs. 897 Rs. 68,612 Rs. 41,653
Rs. 849 Rs. 64,719 Rs. 42,502
Rs. 801 Rs. 60,777 Rs. 43,303
Rs. 752 Rs. 56,787 Rs. 44,055
Rs. 703 Rs. 52,748 Rs. 44,757
Rs. 653 Rs. 48,658 Rs. 45,410
Rs. 602 Rs. 44,518 Rs. 46,012
Rs. 551 Rs. 40,327 Rs. 46,563
Rs. 499 Rs. 36,083 Rs. 47,062
Rs. 447 Rs. 31,788 Rs. 47,509
Rs. 393 Rs. 27,439 Rs. 47,902
Rs. 340 Rs. 23,036 Rs. 48,242
Rs. 285 Rs. 18,579 Rs. 48,527
Rs. 230 Rs. 14,067 Rs. 48,757
Rs. 174 Rs. 9,498 Rs. 48,931
Rs. 118 Rs. 4,874 Rs. 49,048
Rs. 60 Rs. 192 Rs. 49,109
Rs. 2 Rs. 0 Rs. 49,111
Interest Ending Balance Cumulative Interest

Rs. 0 Rs. 0 Rs. 49,111


Rs. 0 Rs. 0 Rs. 49,111
Rs. 0 Rs. 0 Rs. 49,111
Rs. 0 Rs. 0 Rs. 49,111
Rs. 0 Rs. 0 Rs. 49,111
Rs. 0 Rs. 0 Rs. 49,111
Rs. 0 Rs. 0 Rs. 49,111
Rs. 0 Rs. 0 Rs. 49,111
Rs. 0 Rs. 0 Rs. 49,111
Rs. 0 Rs. 0 Rs. 49,111
Rs. 0 Rs. 0 Rs. 49,111
Rs. 0 Rs. 0 Rs. 49,111
Rs. 0 Rs. 0 Rs. 49,111
Rs. 0 Rs. 0 Rs. 49,111
Rs. 0 Rs. 0 Rs. 49,111
Rs. 0 Rs. 0 Rs. 49,111
June 10000 10000
40 July 10000 10000
166.67 40 Aug 10000 10000
400.00 40 Sept 10000 10000
350.00 20 Oct
Nov

29700 2475 28/Jun/2014


16/Jul/2014 40000 18 99 done
14.85 05/Aug/2014 25000 38 156 done
1.2375 16/Aug/2014 40000 49 443 done
16/Sep/2014 30000 80 542 done
05/Nov/2014 50000 130 2,000
185000 3,240
2250
5490.274

50900
4045
7340
62285
10000 10000 7000
10000 10000 7000
10000 10000 7000
10000 10000 7000
44000

195000
160000
35000

15000

19000
28/Jun/2014
16/Jul/2014 40000 18 99
05/Aug/2014 25000 38 156 broken period int 732
16/Aug/2014 40000 49 443 processing charge 4,045
16/Sep/2014 30000 80 542 int earned -5,490
05/Nov/2014 50000 130 2,000 diamond -10000
185000 3,240 interst charge 39,593
2250 2250 total charges 28,880
5490.274