1 2 3=1*2

end of year cash flow PVIF(i,n) PV

1 5000 0.881057 4405.286 Initial investement
2 4500 0.776262 3493.179 Interest rate
3 6500 0.683931 4445.553 No of years
4 5000 0.602583 3012.913 PV of cash flows
5 6000 0.53091 3185.458 NPV
6 7000 0.467762 3274.333
7 7500 0.412125 3090.938
 positive NPV 3088.608
25000 negative NPV -1288.02
0.135 L 0.1
7 H 0.15
24907.66 IRR 13.53%
-92.3403
loan amount 1,000,000
interest rate(p.a) 0.1
No of years(n) 20
PVIF(I,n) 8.51356371975857
instalment(O.A) 117459.624772546 instalment(A.D)
Total amount to be paid 2349192.49545092 total amount to be paid
Total interest to be paid 1,349,192 total interest to be paid

Ordinery Annuity
1 2
end of the year instalment payment begning of year principle
1 117459.624772546 1000000
2 117459.624772546 982540.375227454
3 117459.624772546 963334.787977654
4 117459.624772546 942208.642002874
5 117459.624772546 918969.881430615
6 117459.624772546 893407.244801131
7 117459.624772546 865288.34
8 117459.624772546 834357.554187022
9 117459.624772546 800333.684833179
10 117459.624772546 762907.428543951
12 117459.624772546 721738.5466258
13 117459.624772546 676452.776515835
14 117459.624772546 626638.429394872
15 117459.624772546 571842.647561814
16 117459.624772546 511567.287545449
17 117459.624772546 445264.391527449
18 117459.624772546 372331.205907648
19 117459.624772546 292104.701725867
20 117459.624772546 203855.547125908
117459.624772546 106781.477065953

Annuity Due
1 2
end 0f the year instalments payment begg of the year
0 106781.477065951 1000000
1 106781.477065951 893218.5229
2 106781.477065951 875758.8982
3 106781.477065951 856553.3109
 4 106781.477065951 835427.1649
5 106781.477065951 812188.4044
6 106781.477065951 786625.7677
7 106781.477065951 758506.867442748
8 106781.477065951 727576.077121072
9 106781.477065951 693552.207767228
10 106781.477065951 656125.951478
11 106781.477065951 614957.06955985
12 106781.477065951 569671.299449884
13 106781.477065951 519856.952328922
14 106781.477065951 465061.170495863
15 106781.477065951 404785.810479499
16 106781.477065951 338482.914461498
17 106781.477065951 265549.728841697
18 106781.477065951 185323.224659916
19 106781.477065951 97074.0700599571
 106781.477065951
2135629.54131901
1,135,630

Annuity
3=2*interest rate 4=1-3 5=2-4
interest principle end of the year principle
100000 17459.624773 982540.375227454
98254.0375227454 19205.58725 963334.787977654
96333.4787977654 21126.145975 942208.642002874
94220.8642002874 23238.760572 918969.881430615
91896.9881430615 25562.636629 893407.244801131
89340.7244801131 28118.900292 865288.34
86528.8344508698 30930.790322 834357.554187022
83435.7554187022 34023.869354 800333.684833179
80033.3684833179 37426.256289 762907.428543951
76290.7428543951 41168.881918 721738.5466258
72173.85466258 45285.77011 676452.776515835
67645.2776515835 49814.347121 626638.429394872
62663.8429394872 54795.781833 571842.647561814
57184.2647561814 60275.360016 511567.287545449
51156.7287545449 66302.896018 445264.391527449
44526.4391527449 72933.18562 372331.205907648
37233.1205907648 80226.504182 292104.701725867
29210.4701725867 88249.1546 203855.547125908
20385.5547125908 97074.07006 106781.47707
10678.1477065953 106781.47707 0.00000
1349192.49545092 1000000

Due
3=2*intrst rate 4=1-3 5=2-4
interest principle end of the year principle
0 106781.4771 893218.5229
89321.8522934049 17459.624773 875758.8982
87575.8898161504 19205.58725 856553.3109
85655.3310911703 21126.145975 835427.1649
83542.7164936923 23238.760572 812188.4044
81218.8404364665 25562.636629 786625.7677
78662.576773518 28118.9003 758506.867442748
75850.6867442748 30930.790322 727576.077121072
72757.6077121072 34023.869354 693552.207767228
69355.2207767228 37426.256289 656125.951478
65612.5951478 41168.881918 614957.06955985
61495.706955985 45285.77011 569671.299449884
56967.1299449884 49814.347121 519856.952328922
51985.6952328922 54795.781833 465061.170495863
46506.1170495863 60275.360016 404785.810479499
40478.5810479499 66302.896018 338482.914461498
33848.2914461498 72933.18562 265549.728841697
26554.9728841697 80226.504182 185323.224659916
18532.3224659916 88249.1546 97074.0700599571
9707.40700599571 97074.07006 0.00000
1135629.54132 1000000.0000