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QUES 1 COMMON SIZE STATEMENT

PQR Intermnational
INCOME STATEMENT FOR 2009 AND 2010
FOR THE YR ENDED DEC31,2010

SALES
COGS
GROSS PROFIT
S,G AND A
FIXED EXP
DEPRECIATION
EBIT
INTEREST
PBT
TAXES
NET INCOME

2010
3850000
3250000
600000
330300
100000
20000
149700
76000
73700
24321
49379

2009
3432000
2864000
568000
240000
100000
18900
209100
62500
146600
48378
98222

2010
3850000
3250000
600000
330300
100000
20000
149700
76000
73700
24321
49379

2010%
100
84.42
15.58
8.58
2.60
0.52
3.89
1.97
1.91
0.63
1.28

2009
3432000
2864000
568000
240000
100000
18900
209100
62500
146600
48378
98222

2009%
100
83.45
16.55
6.99
2.91
0.55
6.09
1.82
4.27
1.41
2.86

2010
52000
402100
836000
1290100
527000
166200
360800
1650900

2010%
3.149797
24.35641
50.63905
78.14525
31.92198
10.06724
21.85475
100

2009
57600
351200
715200
1124000
491000
146200
344800
1468800

2009%
3.921568627
23.91067538
48.69281046
76.52505447
33.42864924
9.953703704
23.47494553
100

175200 10.61239
225100 13.63499
140000 8.480223
540300 32.7276

145600
200000
136000
481600

9.912854031
13.61655773
9.259259259
32.78867102

SOLN
SALES
COGS
GROSS PROFIT
S,G AND A
FIXED EXP
DEPRECIATION
EBIT
INTEREST
PBT
TAXES
NET INCOME
BALANCE SHEET AS ON DEC31, 2010
ASSESTS
CASH AND CASH EQUIVALENTS
ACCOUNTS RECEIVABLES
INVENTORY
TOTAL CA
P&E
ACCUMULATED DEP
NET FIXED ASSEST
TOTAL ASSETS
LIABILITIES
ACCOUNTS PAYABLE
ST NOTES PAYABLE
OTHER CL
TOTAL CL

LT DEBTS
TOTAL LIABILITIES
EQUITY
RETAINED EARNINGS
TOTAL EQITY
TATAL DEBT AND EQUITY

424612
964912
460000
225988
685988
1650900

25.72003
58.44763
27.86359
13.68878
41.55237
100

323432
805032
460000
203768
663768
1468800

22.02015251
54.80882353
31.31808279
13.87309368
45.19117647
100

ques 2 ntf and sf


ques3
INCOME STATEMENT
sales
expenses
EBIT

YEAR 1

YEAR2
200
120
80

240
140
100

int income of sf(5%)


interest expense of ntf(10%)
interest expense of debt(10%)
EBT

4.713178295 2.356589
0 2.067424
32
32
52.71317829 68.28917

TAXES(35%
NET INCOME

18.4496124 23.90121
34.26356589 44.38796

BALANCE SHEET
SF PLUG
CA1
CA2
LT ASSETS
TA

94.26356589
100
100
300
594.2635659

NTF PLUG
CL 1
CL2
DEBT1
TL

INTEGRATION OF INCOME STATEMENT AND B


sf surplus funds( negative afn)
ntf is needed to fund (afn)

this ques was unique as retained earnings wer


we did find that by linking income statement

0
200
100
400
700

0 41.34848
80
100
80
80
320
320
480 541.3485

enable iterations so it allows circular referenc


EQUITY
RETAINED EARNINGS
SHAREHOLDERS EQUITY
TL+SH EQUITY

80
80
34.26356589 78.65152
114.2635659 158.6515
594.2635659
700

ASSETS WITHOUT SF
TL & SH EQUITY without ntf
DIFFERENCE
SF PLUG CALCULATION
NTF PLUG CALCULATION

500
700
594.2635659 658.6515
94.26356589 -41.3485
94.26356589
0
0 41.34848

ques 4
INCOME STATEMENT
sales
expenses
EBIT

5000000
2700000
2300000

5800000
3000000
2800000

interest income on sf (5%)


interest expense on ntf(10%)
interest expense on debt(10%)
EBT
taxes@32%
NET INCOME

132608.6957 182002.7
0
0
150000
150000
2282608.696 2832003
730434.7826 906240.9
1552173.913 1925762

BALANCE SHEET
sf plug
cash and cash equivalent
accounts receivable
inventory
plant and equipment
TA

2652173.913
500000
1200000
1000000
1500000
6852173.913

4627936
450000
1500000
900000
1600000
9077936

0
1000000
800000
1500000
3300000

0
1200000
900000
1500000
3600000

equity
retained earnings
SHAREHOLDERS EQUITY
TL+ SH EQUITY

2000000
1552173.913
3552173.913
6852173.913

2000000
3477936
5477936
9077936

ASSETS WITHOUT SF
TL& SH EQIUITY WITHOUT NTF
DIFFERENCE
SF PLUG CALCULATION
NTF PLUG CALCULATION

4200000
6852173.913
2652173.913
2652173.913
0

4450000
9077936
4627936
4627936
0

ntf plug
accounts payable
other current liabilities
term loan
TL

QUES 5
From the following particulars make financial model for balancing the balance sheet.
figures in lacs
2009
2010
revenue
1000
1300
cogs
400
550
s,g,and adm exp
200
250

interest income
interest expense
debt
taxes
cash and marketable securities
acs receivable
inventory
lt assets
notes payable
other cl
senior debt
acs payable
equity
SOLN:
INCOME STATEMENT
SALES
COGS
GROSS PROFIT
SG AND ADM
EBIT
INTEREST INCOME(SF)
INTEREST EXPENSE(NTF(
INT ON DEBT
EBT
TAXES
NET INCOME
BALANCE SHHET
ASSETS
SF PLUG
CASH AND MARKETABLE SECURITIES
ACCOUNTS RECEVABLE
INVENTORY
LONG TERM ASSETS
TOTAL ASSETS
LIABILITIES
NTF PLUG
NOTES PAYABLE
OTHER CL
ACCOUNTS PAYABLE
SENIOR DEBT
TOTAL LIABILITIES
EQUITY
RETAINED EARNINGS
SH EQUITY
TL+ SH EQUITY

6%
11%
11%
35%
300
400
200.00
200.00
300.00
400.00
200.00
200.00
500.00

6%
11%
11%
35%
300
430
240.00
220.00
300.00
410.00
180.00
210.00
500.00

2009
1000
400
600
200
400
46.55775234
0
22
424.5577523
148.5952133
275.962539

2010
1300
550
750
250
500
54.74826
0
20.9
533.8483
170.8314
363.0168

775.962539 1048.979
300
300
400
430
200.00
240.00
200.00
220.00
1875.962539 2238.979
0
0
300.00
300.00
400.00
410.00
200.00
210.00
200.00
180.00
1100
1100
500.00
500.00
275.962539 638.9794
775.96 1138.98
1875.96 2238.98

ASSETS WITHOUT SF
TL+SH EQ. WITHOUT NTF
DIFFERENCE
CALCULATION OF SF
CALCULATION OF NTF

1100
1190
1875.96 2238.98
775.962539 1048.979
775.962539 1048.979
0
0

ques
abc ltd.
PROJ
INCOME STATEMENT
REVENUES
PERCENT GROWTH
REVENUES
COGS
AS% OF REEVNUES
COGS

2008

2009

2010

825

900

1000

NA

450

490

PROJ
2011

2012

10%

10%

55%

55%

15%

15%

3%

3%

8.50%

8.50%

1%

1%

550

GROSS PROFIT
GROSS MARGIN(%)
SG& ADMIN
AS% OF REVENUE(%)
SG& ADMIN

125

OPERATING EXP
AS% OF REVENUE(%)
OPERATING EXP
EBITDA
EBITDA MARGIN(%)

25

DEPRECIATION
AS % PRIOR NET PPE
DEPRECIATION

60

AMOTRTISATION OF INTANGIBLES
AMOTRTISATION OF INTANGIBLES
EBIT
EBITMARGIN(%)
NON OPERATING EXPENSES
AS %OF REEVNUE(%)
NON OPERATING EXPENSES
INTEREST INCOME
SF PLUG

135

28

75

150

30

80

10

10

CASH
SHORT TERM INVESTMENT
INTEREST INCOME
INTEREST EXPENSE
NTF PLUG
SHORT TERM NOTES
DEBT 1
DEBT2
DEBT 3
INTEREST EXPENSE
EBT
EBT MARGIN(%)

50

50

50

10

12

11

PROVISION FOR TAXES(35%)


NET ONCOME
NET MARGIN
DIVIDENDS
PAYOUT RATIO(%)
DIVIDENDS
NET TO RETAINED EARNINGS
BALANCE SHEET
ASSETS
SF PLUG
INTEREST RATE
INTEREST INCOME
CASH
AS% OF REVENUE(%)
CASH
INTEREST RATE
INTEREST INCOME

2008

2009

2010

60

75

80

60

75

80

SHORT TERM INVESTMENT


AS% OF REVENUE
SHORT TERM INVESTMENT
INTEREST RATE
INTEREST INCOME

30

A/CS RECEIVABLE
AS % OF REEVNUE
DAYS OF REVENUE
A/CS RECEIVABLE

60

75

90

26.5

30.4

32.9

120

135

150

INVENTORY
AS % OF REVENUE

30

32
32

10%

10%

2011

2012

5%

5%

80

80

5%

5%

3%

3%

5%

5%

30

30

33
33

DAYS OF COGS
INVENTORY

97.3

100.6

99.5

870
130

950
155

1000
130

98

95

15%

18%

14%

14%

14

14

10%

10%

55

55

10%

10%

150
10%

150
10%

OTHER CA
AS% OF REVENUE
OTHER CA
TOTAL CA
NET PPE
CAPEX
AS % OF REVENUE(%)
CAPEX
DEPRECIATION
NET PPE
INTANGIBLES
AMORTISATION
INTANGIBLES

58
4

54
4

50
4

LT ASSETS
% OF REEVNUES
% GROWTH
LT ASSETS
TOTAL ASSETS

92

116

150

LIABILITIES
SHORT TERM NOTES

NA

10

12

14

INTEREST RATE
INTEREST EXPENES
A/CS PAYABLE
%0F REVENUE(%)
DAYS OF COGS
A/CS PAYABLE
OTHER CL
TOTAL CURRENT LIABILITIES

60

70

80

48.7

52.1

53.1

10

20

20

NTF PLUG
INTEREST RATES
INTEREST EXPENSE
DEBT 1
DEBT 1
INTEREST RATES
INTEREST EXP

200
200

200
200

150
150

DEBT 2
DEBT 2
INT RATE
INT EXP

200
200

200
200

225
225

DEBT 3
DEBT 3
INT RATE
INT EXP

110
110

110
110

110
110

40

38

37

LT LIABILITIES
AS % OF REEVNUE
% GROWTH
LT LIABILITIES

225
10%

225
10%

110
8%

110
8%

4%

4%

650

650

1.10%

1.00%

NA

SHAREHOLDERS EQUITY
EQUITY

460

RETAINED EARNINGS
NET TO RETAINED EARNINGS
RETAINED EARNINGS

500

580

11

12

142.4

OTHER EQUITY A/C


% OF REVENUE
OTHER EQUITY A/C
TOTAL SHAREHOLDERS EQUITY
TL+SH EQUITY

10

ASSETS WITHOUT SF PLUG


TL+SHE WITHOUT NTF PLUG
DIFFERENCE
SF PLUG
NTF PLUG

SOLUTION
PROJ
INCOME STATEMENT
REVENUES
PERCENT GROWTH
REVENUES
COGS
AS% OF REEVNUES
COGS

PROJ

2008

2009

2010

2011

2012

825
825

900
9.09%
900

1000
11.11%
1000

1100
10%
1100

1210
10%
1210

450
54.55%
450

490
54.44%
490

550
55.00%
550

605
55%
605

665.5
55%
665.5

NA

GROSS PROFIT
GROSS MARGIN(%)

375
45.45%

410
45.56%

450
45.00%

495
45.00%

544.5
45.00%

SG& ADMIN
AS% OF REVENUE(%)
SG& ADMIN

125
15.15%
125

135
15.00%
135

150
15.00%
150

15%
165

15%
181.5

OPERATING EXP
AS% OF REVENUE(%)
OPERATING EXP
EBITDA
EBITDA MARGIN(%)

25
3.03%
25
225
27.27%

28
3.11%
28
247
27.44%

30
3.00%
30
270
27.00%

3%
33
297
27.00%

3%
36.3
326.7
27.00%

60
60

75
8.62%
75

80
8.42%
80

8.50%
85

8.50%
91.8

4
4
161

4
4
168

4
4
186

4
4
208

4
4
230.9

EBITMARGIN(%)
NON OPERATING EXPENSES
AS %OF REEVNUE(%)
NON OPERATING EXPENSES

19.52%
10
1.21%
10

18.67%
10
1.11%
10

18.60%
8
0.80%
8

18.91%
11
1%
11

19.08%
12.1
1%
12.1

INTEREST INCOME
SF PLUG
CASH
SHORT TERM INVESTMENT
INTEREST INCOME

3
0

5
0

6
0

4.62
4
1.65
10.27

2.57
4
1.815
8.39

50

50

50
0
1.40
15
22.5
8.8
47.7
179.49
14.83%

DEPRECIATION
AS % PRIOR NET PPE
DEPRECIATION
AMOTRTISATION OF INTANGIBLES
AMOTRTISATION OF INTANGIBLES
EBIT

INTEREST EXPENSE
NTF PLUG
SHORT TERM NOTES
DEBT 1
DEBT2
DEBT 3
INTEREST EXPENSE
EBT
EBT MARGIN(%)

NA

50
104
12.61%

50
113
12.56%

50
134
13.40%

0
1.40
15
22.5
8.8
47.7
159.57
14.51%

PROVISION FOR TAXES(35%)

36.4

39.55

46.9

55.85

62.82

PROVISION FOR TAXATION


NET INCOME

36.4
67.6

39.55
73.45

46.9
87.1

55.85
103.72

62.82
116.67

NET MARGIN

8.19%

8.16%

8.71%

9.43%

9.64%

10
14.79%
10
57.6

12
16.34%
12
61.45

11
12.63%
11
76.1

10.37
10%
10.37
93.35

11.67
10%
11.67
105.00

2008

2009

2010

2011

2012

60
7.27%
60

75
8.33%
75

80
8.00%
80

92.31
5%
4.62
80
7.27%
80
5%
4

51.41
5%
2.57
80
6.61%
80
5%
4

SHORT TERM INVESTMENT


AS% OF REVENUE
SHORT TERM INVESTMENT
INTEREST RATE
INTEREST INCOME

30
3.64%
30

32
3.56%
32

33
3.30%
33

3%
33
5%
1.65

3%
36.3
5%
1.815

A/CS RECEIVABLE
AS % OF REVENUE
DAYS OF REVENUE
A/CS RECEIVABLE

60
7.27%
26.5
60

75
8.33%
30.4
75

90
9.00%
32.9
90

30
90.41

30
99.45

INVENTORY
AS % OF REVENUE
DAYS OF COGS
INVENTORY

120
14.55%
97.3
120

135
15.00%
100.6
135

150
15.00%
99.5
150

98
162.44

95
173.21

OTHER CA
AS% OF REVENUE
OTHER CA
TOTAL CA

10
1.21%
10
280

10
1.11%
10
327

12
1.20%
12
365

1%
11
469.16

1%
12.1
452.48

870
130
15.76%
130
60
870

950
155
17.22%
155
75
950

1000
130
13.00%
130
80
1000

15%
165
85
1080

18%
217.8
91.8
1206

58

54

50

DIVIDENDS
PAYOUT RATIO(%)
DIVIDENDS
NET TO RETAINED EARNINGS
BALANCE SHEET
ASSETS
SF PLUG
INTEREST RATE
INTEREST INCOME
CASH
AS% OF REVENUE(%)
CASH
INTEREST RATE
INTEREST INCOME

NET PPE
CAPEX
AS % OF REVENUE(%)
CAPEX
DEPRECIATION
NET PPE
INTANGIBLES

AMORTISATION
INTANGIBLES

4
58

4
54

4
50

4
46

4
42

LT ASSETS
% OF REEVNUES
% GROWTH
LT ASSETS
TOTAL ASSETS

92
11.15%
92
1300

116
12.89%
26.09%
116
1447

150
15.00%
29.31%
150
1565

14%
2.67%
154
1749.16

14%
10.00%
169.4
1869.88

10

12

14

14

14

10%
1.40

10%
1.40

55
91.16

55
100.28

22
2%
127.16

24.2
2%
138.48

0.00
10%
0

0.00
10%
0

150
10%
15

150
10%
15

225
10%
22.5

225
10%
22.5

110
8%
8.8

110
8%
8.8

4%
18.92%
44

4%
10.00%
48.4

NA

LIABILITIES
SHORT TERM NOTES
INTEREST RATE
INTEREST EXPENES
A/CS PAYABLE
%0F REVENUE(%)
DAYS OF COGS
A/CS PAYABLE

60
7.27%
48.7
60

70
7.78%
52.1
70

80
8.00%
53.1
80

OTHER CL

10

20

20

TOTAL CURRENT LIABILITIES

80

102

114

NTF PLUG
INTEREST RATES
INTEREST EXPENSE

DEBT 1
DEBT 1
INTEREST RATES
INTEREST EXP

200
200

225
225

150
150

DEBT 2
DEBT 2
INT RATE
INT EXP

200
200

200
200

225
225

DEBT 3
DEBT 3
INT RATE
INT EXP

110
110

110
110

110
110

40
4.85%

38
4.22%
-5.00%
38

37
3.70%
-2.63%
37

LT LIABILITIES
AS % OF REEVNUE
% GROWTH
LT LIABILITIES

NA
40

TOTAL LIABILTIES
SHAREHOLDERS EQUITY
EQUITY

630

675

636

656.16

671.88

460

500

580

650

650

RETAINED EARNINGS
NET TO RETAINED EARNINGS
RETAINED EARNINGS

142.4
57.6
200

200
61.45
261.45

261.45
76.1
337.55

93.35
430.90

105.00
535.89

OTHER EQUITY A/C


% OF REVENUE
OTHER EQUITY A/C
TOTAL SHAREHOLDERS EQUITY
TL+SH EQUITY

10
1.21%
10
670
1300

11
1.22%
11
772.45
1447.45

12
1.20%
1.10%
1.00%
12
12.1
12.1
929.55 1092.995844 1197.995
1565.55
1749.16 1869.88

ASSETS WITHOUT SF PLUG


TL+SHE WITHOUT NTF PLUG
DIFFERENCE
SF PLUG
NTF PLUG

1656.85
1749.16
92.31
92.31
0.00

1818.46
1869.88
51.41
51.41
0.00

ques
abc ltd. Wishes to buy a office premises and is trying to find the best available4 prices. Abc ltd approached 2 banks and the te
bank
loan amt
term(yrs) emi
hdfc
1250000
12
16417
sbi
1400000
12
17549
from which bank will taking a loan cheaper?
hdfc
sbi

11.48502%
10.5060%

ques
m.s ab have invested rs. 1000000 worth of debentures to be redemmed after 5 yrs. If the rate is 14%,what is the amt that ha
fv
nper
rate
pmt
ques

1000000
5
14%
151,283.55

OF INCOME STATEMENT AND BALANCE SHEET.


s( negative afn)
o fund (afn)

unique as retained earnings were not given to us and trough circular referencing
t by linking income statement and balance sheet.(iterations)

ns so it allows circular reference.

PROJ
2013

10%

55%

15%

3%

8.50%

1%

10%

2013

5%
80

5%

3%
5%

30

95

20%

14%

14
10%

55

10%

150
10%

225
10%

110
8%

4%

650

0.90%

PROJ
2013
1331
10%
1331
732.05
55%
732.05

598.95
45.00%

15%
199.65

3%
39.93
359.37
27.00%

8.50%
102.51
4
4
252.86
19.00%
13.31
1%
13.31

0.00
4
1.9965
6.00

2.593501
1.40
15
22.5
8.8
50.2935
195.25
14.67%
68.34
68.34
126.91

9.54%
12.69
10%
12.69
114.22
2013
0.00
5%
0.00
80
6.01%
80
5%
4

3%
39.93
5%
1.9965

30
109.40

95
190.53

1%
13.31
433.17

20%
266.2
102.51
1369.69

4
38

14%
10.00%
186.34
2027.20

14
10%
1.40

55
110.31
26.62
2%
150.93
25.94
10%
2.593501

150
10%
15

225
10%
22.5

110
8%
8.8

4%
10.00%
53.24

715.10
650

114.22
650.12

0.90%
11.979
1312.097
2027.20
2027.20
2001.27
-25.94
0.00
25.94

approached 2 banks and the term offered by them are as follows:

is 14%,what is the amt that has to be invested in a sinking fund to redeem the above debenture.

PARTICULARS
Net Income
Add
Depreciation
Amortization of intangibles
Operating Cash Flow
Increase in A/C receivables
Increase in inventory
increase in other current assets
Increase in A/C payables
Increase in other CL
Increase in op WC
Cash Flow from Operations
CAPEX
Inc/Dec in net PPE
Inc/Dec in LT assets
Inc/Dec in intangibles
Cash flow from Investments
Inc/dec in ST notes
Inc/dec in NTF
Inc/dec in debt 1
Inc/dec in debt 2
Inc/dec in debt 3
Inc/dec in LT liabilities
Inc/dec in Equity
Inc/dec in Net Retained Earnings
Inc/dec in other Equity
Dividend
Cash flow from financing
change in cash & Equivalent
Cash & Equivalents

CASH FLOW STATEMENT


2008
2009
73.45

2010
87.1

2011
103.72

2012
116.67

75
4
152.45

80
85
91.8
4
4
4
171.1 192.7176 212.4656

15
15
0
10
10
10
142.45

15
15
2
10
0
22
149.1

0.41
12.44
-1
11.16
2
-1.32
194.03

9.04
10.77
1.1
9.12
2.2
9.60
202.87

155
0
24
0
2

130
0
34
0
1

165
0
4
0
0

217.8
0
15.4
0
3.3

2
0
25
0
0
-2
40
0
1
12
54
194.45
107

2
0
0
0
0
0
-75
0
0
25
0
0
0
0
0
-1
7
4.4
80
70
0
0
0
0
1
0.1
0
11 10.37176 11.66656
21
66.73
-7.27

113

113

116.3

What if analysis/Goal seek/ Scenario Manager

Ques1) Using financial function,ascertain the FV if the interest rate is 10%,initial investment is Rs25000,and the annual dep
Ques2)w.r.t(1st)question,
Let the inflation rate is 6%,then what is the FV?
Ques3)W.r.t (1)question,
Create (single-input) data table, by taking different annual deposit values like-Rs.7000,8000,9000,10000,11000,12000 and

soln 1
interest rate
initial investment
annual deposit
time period(yrs)
type
inflation

10%
25000
10000
10
1
6%

Real rate

240,155.23

real rate=((1+r)/(1+i))-1
Soln2
real rate
FV wit real rate

3.77%
159,499.67

soln 3)
7000
8000
9000
10000
11000
12000
13000

240,155.23
187561.7309
205092.898
222624.0651
240155.2321
257686.3992
275217.5662
292748.7333

159,499.67
122512.2627
134841.3994
147170.536
159499.6727
171828.8094
184157.946
196487.0827

que 4) Now,considering 1st and 3rd question simultaneously , create (two-input) data table,when the interest rates are as
ques5) ABC finance firm has advertised in newspaper that it will give 15% on the deposit of Rs.1000000/-.this is the annuit
make the data table ,considering the different interset rate -12%,135,14%,15%,16% and 17%.
que6) W.r.t 5th question, create two input data table, by putting different values for the initial deposit such as- Rs 800000,
ques7) Suppose you are a business owner looking to purchase new equipment worth Rs.500000/- 5 years from now. Assum
soln4)
240,155.23
8%
9%
10%
11%
12%
7000
163491.5372 175106.1456 187561.7 200915.5 215228.3
8000
179137.0246
191666.439 205092.9
219477 234882.9
9000
194782.5121 208226.7324 222624.1 238038.4 254537.5
10000
210427.9996 224787.0258 240155.2 256599.8
274192
11000
226073.487 241347.3192 257686.4 275161.3 293846.6

12000
13000

soln5)

241718.9745 257907.6126 275217.6 293722.7 313501.2


257364.462
274467.906 292748.7 312284.1 333155.8

use fv then pmt and then


then
what
what
if analysis
if analysis
pmt
12%
13%
14%
15%
16%
17%

691,859.36
456013.8016
525281.3991
603568.8576
691859.3603
791224.0631
902828.5784

12%
13%
14%
15%
16%
17%

4,045,557.74
3105848.208
3394567.39
3707221.314
4045557.736
4411435.079
4806828.389

FV

soln6)
800000
900000
1000000
1100000
1200000

Soln7)
Interest rate
period
amt required each year
final amt

Goalseek
8%
5
85228.22728
500,000.00

ques 8)use the function data table you want to accumulate 10 crores in the next 10 years.the rate of interest on your portf
use different scenarios like for interest rate take 185 to 25% and for time period take 10 to 15 years.calculate how much u
Soln8)

10

11

12

13

14

18%
19%
20%
21%
22%
23%
24%
25%

k/ Scenario Manager

is Rs25000,and the annual deposit is Rs.10000.The amount is deposited in the beginning of the year.

for 10 years.the amount is de

9000,10000,11000,12000 and 13000.

when the interest rates are as follows-8%,9%,105,11%,12%,13%.(what if analysis).


Rs.1000000/-.this is the annuity plan which will start after 10 years and

ial deposit such as- Rs 800000,900000,1000000,1100000 and 1200000/000/- 5 years from now. Assuming that your investments earn 8% annual interest,how much do you need to set aside every year to rea
13%
230564.4
251378.7
272193
293007.4
313821.7

row-rate%
column-deposit
data-what if analysis-data table

334636
355450.3

FV
rate
deposit
years
fv

PMT
15% annuity(nper)
1000000 pv
10
4,045,557.74 pmt

e rate of interest on your portfolio is 22%.


5 years.calculate how much u shoul deposit or add to your portfolio each year?
15

years

10

15
4,045,557.74
691,859.36

investment(FV)
rate
pmt?

100000000
22%
3,489,498.20

for 10 years.the amount is deposited in the beginning of the year.

the annuity will be given for a period of 15 years.Calculate the annual annuity value?

d to set aside every year to reach this goal?(use goal seek function)