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LOAN

RATE
TIME
EMI

period
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
32
33
34
35
36
37
38
39
40

500000
10% 0.008333333
10
120
Rs. -6,552.93

LOAN OUT. WITH INTEREST


EMI
500000
Rs. -6,552.93
497559.1298
Rs. -6,552.93
495097.9191
Rs. -6,552.93
492616.1982
Rs. -6,552.93
490113.7963
Rs. -6,552.93
487590.5411
Rs. -6,552.93
485046.2588
Rs. -6,552.93
482480.7741
Rs. -6,552.93
479893.9104
Rs. -6,552.93
477285.4895
Rs. -6,552.93
474655.3317
Rs. -6,552.93
472003.256
Rs. -6,552.93
469329.0796
Rs. -6,552.93
466632.6184
Rs. -6,552.93
463913.6867
Rs. -6,552.93
461172.0973
Rs. -6,552.93
458407.6612
Rs. -6,552.93
455620.1882
Rs. -6,552.93
452809.4863
Rs. -6,552.93
449975.3618
Rs. -6,552.93
447117.6197
Rs. -6,552.93
444236.063
Rs. -6,552.93
441330.4933
Rs. -6,552.93
438400.7106
Rs. -6,552.93
435446.513
Rs. -6,552.93
432467.6971
Rs. -6,552.93
429464.0577
Rs. -6,552.93
426435.388
Rs. -6,552.93
423381.4794
Rs. -6,552.93
420302.1216
Rs. -6,552.93
417197.1024
Rs. -6,552.93
414066.2081
Rs. -6,552.93
410909.223
Rs. -6,552.93
407725.9297
Rs. -6,552.93
404516.1089
Rs. -6,552.93
401279.5396
Rs. -6,552.93
398015.9989
Rs. -6,552.93
394725.2621
Rs. -6,552.93
391407.1024
Rs. -6,552.93
388061.2914
Rs. -6,552.93

INTEREST
PRINCIPAL REPAID
Rs. 0.00
Rs. -6,552.93
Rs. -4,112.06
Rs. -2,440.87
Rs. -4,091.72
Rs. -2,461.21
Rs. -4,071.21
Rs. -2,481.72
Rs. -4,050.53
Rs. -2,502.40
Rs. -4,029.67
Rs. -2,523.26
Rs. -4,008.65
Rs. -2,544.28
Rs. -3,987.44
Rs. -2,565.48
Rs. -3,966.07
Rs. -2,586.86
Rs. -3,944.51
Rs. -2,608.42
Rs. -3,922.77
Rs. -2,630.16
Rs. -3,900.85
Rs. -2,652.08
Rs. -3,878.75
Rs. -2,674.18
Rs. -3,856.47
Rs. -2,696.46
Rs. -3,834.00
Rs. -2,718.93
Rs. -3,811.34
Rs. -2,741.59
Rs. -3,788.49
Rs. -2,764.44
Rs. -3,765.46
Rs. -2,787.47
Rs. -3,742.23
Rs. -2,810.70
Rs. -3,718.80
Rs. -2,834.12
Rs. -3,695.19
Rs. -2,857.74
Rs. -3,671.37
Rs. -2,881.56
Rs. -3,647.36
Rs. -2,905.57
Rs. -3,623.15
Rs. -2,929.78
Rs. -3,598.73
Rs. -2,954.20
Rs. -3,574.11
Rs. -2,978.82
Rs. -3,549.29
Rs. -3,003.64
Rs. -3,524.26
Rs. -3,028.67
Rs. -3,499.02
Rs. -3,053.91
Rs. -3,473.57
Rs. -3,079.36
Rs. -3,447.91
Rs. -3,105.02
Rs. -3,422.03
Rs. -3,130.89
Rs. -3,395.94
Rs. -3,156.99
Rs. -3,369.64
Rs. -3,183.29
Rs. -3,343.11
Rs. -3,209.82
Rs. -3,316.36
Rs. -3,236.57
Rs. -3,289.39
Rs. -3,263.54
Rs. -3,262.19
Rs. -3,290.74
Rs. -3,234.77
Rs. -3,318.16
Rs. -3,207.12
Rs. -3,345.81

41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87

384687.5987
381285.7918
377855.6366
374396.8967
370909.334
367392.7083
363846.7773
360271.297
356666.0209
353030.7009
349365.0866
345668.9255
341941.963
338183.9425
334394.6052
330573.6901
326720.934
322836.0716
318918.8353
314968.9555
310986.1599
306970.1744
302920.7223
298837.5248
294720.3007
290568.7664
286382.6359
282161.621
277905.431
273613.7728
269286.3507
264922.8668
260523.0205
256086.5088
251613.0262
247102.2646
242553.9133
237967.6591
233343.186
228680.1757
223978.307
219237.2561
214456.6964
209636.2987
204775.731
199874.6586
194932.7439

Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93

Rs. -3,179.24
Rs. -3,151.12
Rs. -3,122.77
Rs. -3,094.19
Rs. -3,065.37
Rs. -3,036.30
Rs. -3,007.00
Rs. -2,977.45
Rs. -2,947.65
Rs. -2,917.61
Rs. -2,887.31
Rs. -2,856.77
Rs. -2,825.97
Rs. -2,794.91
Rs. -2,763.59
Rs. -2,732.01
Rs. -2,700.17
Rs. -2,668.07
Rs. -2,635.69
Rs. -2,603.05
Rs. -2,570.13
Rs. -2,536.94
Rs. -2,503.48
Rs. -2,469.73
Rs. -2,435.70
Rs. -2,401.39
Rs. -2,366.80
Rs. -2,331.91
Rs. -2,296.74
Rs. -2,261.27
Rs. -2,225.51
Rs. -2,189.45
Rs. -2,153.08
Rs. -2,116.42
Rs. -2,079.45
Rs. -2,042.17
Rs. -2,004.58
Rs. -1,966.67
Rs. -1,928.46
Rs. -1,889.92
Rs. -1,851.06
Rs. -1,811.88
Rs. -1,772.37
Rs. -1,732.53
Rs. -1,692.36
Rs. -1,651.86
Rs. -1,611.01

Rs. -3,373.69
Rs. -3,401.81
Rs. -3,430.16
Rs. -3,458.74
Rs. -3,487.56
Rs. -3,516.63
Rs. -3,545.93
Rs. -3,575.48
Rs. -3,605.28
Rs. -3,635.32
Rs. -3,665.61
Rs. -3,696.16
Rs. -3,726.96
Rs. -3,758.02
Rs. -3,789.34
Rs. -3,820.92
Rs. -3,852.76
Rs. -3,884.86
Rs. -3,917.24
Rs. -3,949.88
Rs. -3,982.80
Rs. -4,015.99
Rs. -4,049.45
Rs. -4,083.20
Rs. -4,117.22
Rs. -4,151.53
Rs. -4,186.13
Rs. -4,221.01
Rs. -4,256.19
Rs. -4,291.66
Rs. -4,327.42
Rs. -4,363.48
Rs. -4,399.85
Rs. -4,436.51
Rs. -4,473.48
Rs. -4,510.76
Rs. -4,548.35
Rs. -4,586.25
Rs. -4,624.47
Rs. -4,663.01
Rs. -4,701.87
Rs. -4,741.05
Rs. -4,780.56
Rs. -4,820.40
Rs. -4,860.57
Rs. -4,901.07
Rs. -4,941.91

88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120

189949.6466
184925.0234
179858.5284
174749.8127
169598.5243
164404.3085
159166.8075
153885.6607
148560.5044
143190.9718
137776.693
132317.2953
126812.4026
121261.6357
115664.6125
110020.9475
104330.2518
98592.13376
92806.19803
86972.04617
81089.27638
75157.4835
69176.25902
63145.191
57063.86408
50931.85944
44748.75476
38514.1242
32227.53839
25888.56437
19496.76556
13051.70176
6552.929102
a)
b)
c)
d)

Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. -6,552.93
Rs. 41,513.98
Rs. 304,433.23
Rs. 1,093.53
6552.929102

Rs. -1,569.83
Rs. -1,528.31
Rs. -1,486.43
Rs. -1,444.21
Rs. -1,401.64
Rs. -1,358.71
Rs. -1,315.43
Rs. -1,271.78
Rs. -1,227.77
Rs. -1,183.40
Rs. -1,138.65
Rs. -1,093.53
Rs. -1,048.04
Rs. -1,002.16
Rs. -955.91
Rs. -909.26
Rs. -862.23
Rs. -814.81
Rs. -766.99
Rs. -718.78
Rs. -670.16
Rs. -621.14
Rs. -571.70
Rs. -521.86
Rs. -471.60
Rs. -420.92
Rs. -369.82
Rs. -318.30
Rs. -266.34
Rs. -213.96
Rs. -161.13
Rs. -107.87
Rs. -54.16

Rs. -4,983.10
Rs. -5,024.62
Rs. -5,066.49
Rs. -5,108.72
Rs. -5,151.29
Rs. -5,194.22
Rs. -5,237.50
Rs. -5,281.15
Rs. -5,325.16
Rs. -5,369.53
Rs. -5,414.28
Rs. -5,459.40
Rs. -5,504.89
Rs. -5,550.77
Rs. -5,597.02
Rs. -5,643.67
Rs. -5,690.70
Rs. -5,738.12
Rs. -5,785.94
Rs. -5,834.15
Rs. -5,882.77
Rs. -5,931.79
Rs. -5,981.22
Rs. -6,031.07
Rs. -6,081.33
Rs. -6,132.00
Rs. -6,183.10
Rs. -6,234.63
Rs. -6,286.59
Rs. -6,338.97
Rs. -6,391.80
Rs. -6,445.06
Rs. -6,498.77

LOAN OUTSTANDING
Rs. 493,447.07
Rs. 491,006.20
Rs. 488,544.99
Rs. 486,063.27
Rs. 483,560.87
Rs. 481,037.61
Rs. 478,493.33
Rs. 475,927.85
Rs. 473,340.98
Rs. 470,732.56
Rs. 468,102.40
Rs. 465,450.33
Rs. 462,776.15
Rs. 460,079.69
Rs. 457,360.76
Rs. 454,619.17
Rs. 451,854.73
Rs. 449,067.26
Rs. 446,256.56
Rs. 443,422.43
Rs. 440,564.69
Rs. 437,683.13
Rs. 434,777.56
Rs. 431,847.78
Rs. 428,893.58
Rs. 425,914.77
Rs. 422,911.13
Rs. 419,882.46
Rs. 416,828.55
Rs. 413,749.19
Rs. 410,644.17
Rs. 407,513.28
Rs. 404,356.29
Rs. 401,173.00
Rs. 397,963.18
Rs. 394,726.61
Rs. 391,463.07
Rs. 388,172.33
Rs. 384,854.17
Rs. 381,508.36

Rs. 378,134.67
Rs. 374,732.86
Rs. 371,302.71
Rs. 367,843.97
Rs. 364,356.40
Rs. 360,839.78
Rs. 357,293.85
Rs. 353,718.37
Rs. 350,113.09
Rs. 346,477.77
Rs. 342,812.16
Rs. 339,116.00
Rs. 335,389.03
Rs. 331,631.01
Rs. 327,841.68
Rs. 324,020.76
Rs. 320,168.00
Rs. 316,283.14
Rs. 312,365.91
Rs. 308,416.03
Rs. 304,433.23
Rs. 300,417.25
Rs. 296,367.79
Rs. 292,284.60
Rs. 288,167.37
Rs. 284,015.84
Rs. 279,829.71
Rs. 275,608.69
Rs. 271,352.50
Rs. 267,060.84
Rs. 262,733.42
Rs. 258,369.94
Rs. 253,970.09
Rs. 249,533.58
Rs. 245,060.10
Rs. 240,549.34
Rs. 236,000.98
Rs. 231,414.73
Rs. 226,790.26
Rs. 222,127.25
Rs. 217,425.38
Rs. 212,684.33
Rs. 207,903.77
Rs. 203,083.37
Rs. 198,222.80
Rs. 193,321.73
Rs. 188,379.81

Rs. 183,396.72
Rs. 178,372.09
Rs. 173,305.60
Rs. 168,196.88
Rs. 163,045.60
Rs. 157,851.38
Rs. 152,613.88
Rs. 147,332.73
Rs. 142,007.58
Rs. 136,638.04
Rs. 131,223.76
Rs. 125,764.37
Rs. 120,259.47
Rs. 114,708.71
Rs. 109,111.68
Rs. 103,468.02
Rs. 97,777.32
Rs. 92,039.20
Rs. 86,253.27
Rs. 80,419.12
Rs. 74,536.35
Rs. 68,604.55
Rs. 62,623.33
Rs. 56,592.26
Rs. 50,510.93
Rs. 44,378.93
Rs. 38,195.83
Rs. 31,961.20
Rs. 25,674.61
Rs. 19,335.64
Rs. 12,943.84
Rs. 6,498.77
Rs. 0.00

option 1
option 2

500000 now
100000 time
months
year
cash inflow
2
3
4
5
6
7

100000
100000
100000
100000
100000
100000
sum

6 interest
72

10%
0.008333

pv of cash inflows
Rs. 82,644.63
Rs. 75,131.48
Rs. 68,301.35
Rs. 62,092.13
Rs. 56,447.39
Rs. 51,315.81
Rs. 395,932.79

option 1 is better as in option we are getting 5 lac now and in option 2 we are getting Rs. 3,95,932 w

2 we are getting Rs. 3,95,932 which is low from option1.

rate

8%

year

project 1
1
2
3
4
5
6
7

net present value

project 2
120000
-60000
-60000
60000
60000
60000
60000

120000
-40000
-70000
70000
70000
70000
70000

Rs. 160,397.59

Rs. 203,518.86

he shud invest in project 2 as its npv is high then project 1 andits cash inflows are also high as compare

ows are also high as compare to project 1