Future VALUE:-

IF I DEPOSIT 100 IN AN ACCOUNT EARNING 10% PER YEAR,HOW MUCH WILL MY DEPOSIT BE WORTH AFTER 5YEARS?
FV
PV -100 ₹ 161.05
I 10.00% ₹ 162.89 SEMI ANNUAL
n 5 ₹ 163.86 QUARTELY
₹ 164.53 HALF YEARLY

HIGHER THE COMPOUNDING FREQUENCY HIGHER IS THE FUTURE VALUE

PRESENT VALUE
HOW MUCH WOULD I NEED TO DEPOSIT TODAY IN AN ACOOUNT EARNING 10% PER YEAR IN ORDER TO ACCUMULATE 10,00

FV 10,000
I 10.00%
n 5
PV -₹ 6,209.21
₹ -6,139.13 SEMI ANNUAL
₹ -6,102.71 QUARTELY
₹ -6,077.89 HALF YEARLY
LOWER THE DISCOUNTING FREQUENCY HIGHER THE PRESENT VALUE
HIGHER THE DISCOUNTING FREQUENCY LOWER THE PRESENT VALUE.
RTH AFTER 5YEARS?

DER TO ACCUMULATE 10,000 AFTER 5YEARS?

ANNUITY (PMT)
YEAR ORDINARY(0) DUE(1)
100 1 100 100(1+r)4 100(1+r)5
10% 2 100 100(1+r)3 100(1+r)4
5 YEAR 3 100 100(1+r)2 100(1+r)3
4 100 100(1+r)1 100(1+r)2
5 100 100(1+r)0 100(1+r)1
HOW MUCH WOULD I HAVE IN MY RETIREMENT ACCOUNT IF I DEPOSITED 2000 EACH YEAR FOR 35 YEARS AND I EARNED 10%

PMT -2000 PMT -4000

I 10% 10%
n 35 35%
FVA? ₹ 542,048.74 ₹ 596,253.61 DUE VALUE

₹ 542,048.74 ORDINARY VALUE

EARS AND I EARNED 10% ON MY SAVINGS?WHAT About 4000?
 1
24000 0.884956 21238.94
24000 0.783147 18795.52 PV=FV/(1+r)n
24000 0.69305 16633.2
24000 0.613319 14719.65 3428.571
24000 0.54276 13026.24
24000 0.480319 11527.64
24000 0.425061 10201.46
24000 0.37616 9027.837
24000 0.332885 7989.236
24000 0.294588 7070.12
24000 0.260698 6256.744
136486.6
If you wish to accumulate $1,40,000 in 13years how much must you deposit today in an account that pays an annual rate of 14

FV 140,000
I 14%
n 13
PV ₹ -25,489.71

What will $2,47,000 grow to be in 9years if it is invested today in an accouny with an annual interest rate of 11%?

PV -247,000
I 11%
n 9
FV ₹ 631,835.12

How much years will it take for $1,36,000 to grow to be $4,68,000 if it is investes in an account with an annual interest rate of

PV -136,000
FV 468,000
I 8%
n 16.0576493241001

At what annual interest rate must $1,37,000 be invested so that it will grow to be $4,75,000 in 14years?
PV -137,000
FV 475,000
n 14
I 9%

if you wish to accumulate $1,97,000 in 5years how much must you deposit in an account if the rate of interest rate is 13% with

FV 197,000
I 13%
n 5
PV ₹ -104,947.03

What will $1,53,000 grow to be in 13years if it is invested today in an account with a quoted annual interest rate of 10% with m

PV -153,000
I 10%
n 13
FV ₹ 558,386.38

How many years will it take for $1,97,000 to grow to be $5,54,000 if it is invested in an account with a quoted annual interest

PV -197,000
FV 554,000
I 8%
n 155.610551664342
m 12.9675459720285

At what quoted annual interest rate must $1,34,000 be invested so that it willgrow to be $4,59,000 in 15 years if interest is co

PV -134,000
FV 459,000
n 15 0.2%
I 0.16%
8.2145509E-02

You are offered an investment with a quoted annual interest rate of 13% with quaterly compounding of interest what is your e

PV
FV p*r*t/100
I 13%
n
quaterly 4
0.1025
0.14

You are offered an annuity that will pay $24,000 per year for 11 years (the first payment will occur 1 year from today)if you fee

FV 24,000
I 13%
n 11
PV ₹ -136,486.59
₹ -154,229.84

If you depositing $16,000 per year for 12 years (each deposit is made at the end of each year)in an account that pays an annu

PV -16000
I 14%
n 12
FV ₹ 436,331.98

You plan to borrow $3,89,000 now and repay it an 25 equal annual installments (payments made at the end of each year).if th
ount that pays an annual rate of 14%?

interest rate of 11%?

nt with an annual interest rate of 8%?

in 14years?

he rate of interest rate is 13% with semi annual compounding of interest?

annual interest rate of 10% with monthly compounding of interest?

unt with a quoted annual interest rate of 8% with monthly compounding of interest?
59,000 in 15 years if interest is compounded weekly?

pounding of interest what is your effective annual interest rate?

100*1*10/100=10
100*6/12*10%=5
105*6/12*10%=5.25

occur 1 year from today)if you feel appropriate discount rate is 13% what is the annuity worth to you today?

)in an account that pays an annual interest rate of 14% what will your account be worth at the end of 12 years

made at the end of each year).if the annual interest rate is 14% how much will your annual payments be?
Loan amortisation HIGHER COMPOUNDING FREQUENC

PV 600000
RATE 10% 0.008333 (on monthly basis)
nPer 3
PMT -241268.88 (Installment paid once in an year)

loan installment interest principle

600,000 241268.88 60,000 181268.9
418,731 241268.88 41873.11 199395.8
219,335 241268.88 21933.54 219335.3
0
OMPOUNDING FREQUENCY HIGHER FUTURE VALUE

PV 600000
RATE 0.83%
nper 36
PMT ₹ -19,360.31 ₹ 14,360.31

Nper O/S PRINCIPLE Interest INSTALL PRINCIPLE

1 600000 ₹ 19,360.31 5000 ₹ 14,360.31
2 ₹ 585,639.69 ₹ 19,360.31 4880.33073 ₹ 14,479.98
3 ₹ 571,159.71 ₹ 19,360.31 4759.66422 ₹ 14,600.65
4 ₹ 556,559.06 ₹ 19,360.31 4637.99215 ₹ 14,722.32
5 ₹ 541,836.74 ₹ 19,360.31 4515.30615 ₹ 14,845.01
6 ₹ 526,991.73 ₹ 19,360.31 4391.59776 ₹ 14,968.71
7 ₹ 512,023.02 ₹ 19,360.31 4266.85848 ₹ 15,093.45
8 ₹ 496,929.56 ₹ 19,360.31 4141.07969 ₹ 15,219.23
9 ₹ 481,710.33 ₹ 19,360.31 4014.25276 ₹ 15,346.06
10 ₹ 466,364.27 ₹ 19,360.31 3886.36893 ₹ 15,473.94
11 ₹ 450,890.33 ₹ 19,360.31 3757.4194 ₹ 15,602.89
12 ₹ 435,287.43 ₹ 19,360.31 3627.39529 ₹ 15,732.92
13 ₹ 419,554.52 ₹ 19,360.31 3496.28765 ₹ 15,864.02
14 ₹ 403,690.49 ₹ 19,360.31 3364.08744 ₹ 15,996.22
15 ₹ 387,694.27 ₹ 19,360.31 3230.78557 ₹ 16,129.53
16 ₹ 371,564.74 ₹ 19,360.31 3096.37285 ₹ 16,263.94
17 ₹ 355,300.80 ₹ 19,360.31 2960.84002 ₹ 16,399.47
18 ₹ 338,901.33 ₹ 19,360.31 2824.17775 ₹ 16,536.13
19 ₹ 322,365.20 ₹ 19,360.31 2686.37663 ₹ 16,673.94
20 ₹ 305,691.26 ₹ 19,360.31 2547.42716 ₹ 16,812.89
21 ₹ 288,878.37 ₹ 19,360.31 2407.31979 ₹ 16,952.99
22 ₹ 271,925.38 ₹ 19,360.31 2266.04485 ₹ 17,094.27
23 ₹ 254,831.11 ₹ 19,360.31 2123.59262 ₹ 17,236.72
24 ₹ 237,594.39 ₹ 19,360.31 1979.95329 ₹ 17,380.36
25 ₹ 220,214.04 ₹ 19,360.31 1835.11696 ₹ 17,525.20
26 ₹ 202,688.84 ₹ 19,360.31 1689.07367 ₹ 17,671.24
27 ₹ 185,017.60 ₹ 19,360.31 1541.81335 ₹ 17,818.50
28 ₹ 167,199.10 ₹ 19,360.31 1393.32585 ₹ 17,966.99
29 ₹ 149,232.12 ₹ 19,360.31 1243.60097 ₹ 18,116.71
30 ₹ 131,115.40 ₹ 19,360.31 1092.62837 ₹ 18,267.68
31 ₹ 112,847.72 ₹ 19,360.31 940.397674 ₹ 18,419.91
32 ₹ 94,427.81 ₹ 19,360.31 786.898385 ₹ 18,573.41
33 ₹ 75,854.39 ₹ 19,360.31 632.119935 ₹ 18,728.19
34 ₹ 57,126.20 ₹ 19,360.31 476.051666 ₹ 18,884.26
35 ₹ 38,241.94 ₹ 19,360.31 318.682827 ₹ 19,041.63
36 ₹ 19,200.31 ₹ 19,360.31 160.002581 ₹ 19,200.31
0
Annual payment (PV) -15,000
nPer 60-32 28
Rate 4.50%
FV ₹ 809,900.00

PMT 20,000
Rate 6%
Nper 30
pv ₹ -275,296.62

pmt 110000
Rate 7%
Nper 20
PV ₹ -1,165,341.57
PMT ₹ 14,440.83
Pay back period method

Outflow -10,000 1 PV(DISCOUNTING) Cum

Inflow 4000 0.909091 3636.36363636364 3,636
5000 0.826446 4132.23140495868 7,768.60 -2,231.4
4000 0.751315 3005.25920360631 10,773.85 773.854244928625
8000 0.683013 5464.10764292056
1000 0.620921 620.921323059155
2000 0.564474 1128.94786010755

17987.8310710159
NPV 27,988
NPV 7987.8311 MODIFIED INTERNAL RATE OF RETURN
NPV 5824.90 14%
NPV 294.17 1
NPV -258.71 -36000 15.511%
11200 18916.35
11200 16593.29
11200 14555.52
11200 12768
11200 11200
74033.17
1.155114
15.51%
INTERNAL RATE OF RETURN
13% 16% 17%
Outflow -36,000 1 1 1
Inflow 11200 0.884956 9911.50442477876 0.862069 9655.172 0.854701
11200 0.783147 8771.24285378652 0.743163 8323.424 0.730514
11200 0.69305 7762.16181751019 0.640658 7175.366 0.624371
11200 0.613319 6869.16975000902 0.552291 6185.66 0.53365
11200 0.54276 6078.91128319382 0.476113 5332.466 0.456111
SUM 39392.9901292783 0.410442 36672.09 0.389839
NPV 339299.01292783200% 672.089 0.333195
3,393

IRR 16.80%
 16.80%
1
9572.65 0.856182 9589.236
8181.752 0.733047 8210.13
6992.95 0.627622 7029.364
5976.881 0.537358 6018.414
5108.445 0.460076 5152.856
0 0.393909 0
0 0.337258 0
35832.68 0.288754 0
-167.32 0.247226 0
SUM 36000
YEAR CASH OUTFLOW(PV) -200,000 ₹ 100,000.00
INFLOW 50,000
50,000
200,000
Discounting rate is 0%
5%
(B) NPV ₹ 62,607.66

1
-50,000 PROFITABILITY RATIO
50,000 0.952381 47619.04761905
100,000 -47619 -4761904761.905
-100,000 47619.05 -4761904761.905
₹ 1,845.94 NPV 1,938.235611705
0.00% IRR
10% 5%
PROJECT S 1 1 PROJECT L
-1,000 -1000
500 0.909091 100 0.952380952380952
400 0 300 -952.380952380952
300 0.826446 400 95.2380952380952
100 0 600 285.714285714286
78.82 NPV 206.50
14.49% IRR 11.79%
12.11% MIRR 10.05%
 5%
1 IRR 18.00%
50,000 0.952381 47619.0476190476 MIRR 15.43%
50,000 0.907029 45351.4739229025
200,000 0.863838 172767.519706295
265738.041248245
65738.04 65,738.0412482453

0.96 1,000,000 PV CASH OUTFLOW

NPV 960000

NPV
IRR
MIRR
 5000 5000 5000 1.74900625
7000 4943.154 5027.291 18.00% 2.00 1.520875
9000 4488.019 4642.1 1.3225
1.15
12.13% 12.00% 1
9.42% 9.73%
-₹ 14,831.56
1 0.01
principle installmentinterest principle
500,000 16,607.15 5000 11,607.15
488,392.85 16,607.15 4883.929 11,723.22
476,669.63 16,607.15 4766.696 11,840.45
464,829.17 16,607.15 4648.292 11,958.86
452,870.32 16,607.15 4528.703 12,078.45
440,791.87 16,607.15 4407.919 12,199.23
428,592.64 16,607.15 4285.926 12,321.22
416,271.41 16,607.15 4162.714 12,444.44
403,826.98 16,607.15 4038.27 12,568.88
391,258.10 16,607.15 3912.581 12,694.57
378,563.53 16,607.15 3785.635 12,821.51
365,742.02 16,607.15 3657.42 12,949.73
352,792.29 16,607.15 3527.923 13,079.23
339,713.06 16,607.15 3397.131 13,210.02
326,503.04 16,607.15 3265.03 13,342.12
313,160.92 16,607.15 3131.609 13,475.54
299,685.38 16,607.15 2996.854 13,610.30
286,075.08 16,607.15 2860.751 13,746.40
272,328.68 16,607.15 2723.287 13,883.86
258,444.82 16,607.15 2584.448 14,022.70
244,422.12 16,607.15 2444.221 14,162.93
230,259.19 16,607.15 2302.592 14,304.56
215,954.63 16,607.15 2159.546 14,447.60
201,507.03 16,607.15 2015.07 14,592.08
186,914.95 16,607.15 1869.149 14,738.00
172,176.95 16,607.15 1721.769 14,885.38
157,291.57 16,607.15 1572.916 15,034.23
142,257.33 16,607.15 1422.573 15,184.58
127,072.76 16,607.15 1270.728 15,336.42
111,736.33 16,607.15 1117.363 15,489.79
96,246.55 16,607.15 962.4655 15,644.68
80,601.86 16,607.15 806.0186 15,801.13
64,800.73 16,607.15 648.0073 15,959.14
48,841.59 16,607.15 488.4159 16,118.73
32,722.85 16,607.15 327.2285 16,279.92
16,442.93 16,607.15 164.4293 16,442.72
0.21 16,607.15 0.002114 16,607.15
-16,606.94 16,607.15 -166.0694 16,773.22
 -33,380.16 16,607.15 -333.8016 16,940.95
-50,321.11 16,607.15 -503.2111 17,110.36
-67,431.47 16,607.15 -674.3147 17,281.46
-84,712.93 16,607.15 -847.1293 17,454.28
-102,167.21 16,607.15 -1021.672 17,628.82
-119,796.03 16,607.15 -1197.96 17,805.11
-137,601.15 16,607.15 -1376.011 17,983.16
-155,584.31 16,607.15 -1555.843 18,162.99
-173,747.30 16,607.15 -1737.473 18,344.62
-192,091.92 16,607.15 -1920.919 18,528.07
-210,619.99 16,607.15 -2106.2 18,713.35
-229,333.34 16,607.15 -2293.333 18,900.48
-248,233.83 16,607.15 -2482.338 19,089.49
-267,323.31 16,607.15 -2673.233 19,280.38
-286,603.70 16,607.15 -2866.037 19,473.19
-306,076.88 16,607.15 -3060.769 19,667.92
-325,744.80 16,607.15 -3257.448 19,864.60
-345,609.40 16,607.15 -3456.094 20,063.24
-365,672.64 16,607.15 -3656.726 20,263.88
-385,936.52 16,607.15 -3859.365 20,466.52
-406,403.04 16,607.15 -4064.03 20,671.18
-427,074.22 16,607.15 -4270.742 20,877.89
-447,952.11 16,607.15 -4479.521 21,086.67
-469,038.78 16,607.15 -4690.388 21,297.54
-490,336.32 16,607.15 -4903.363 21,510.51
-511,846.83 16,607.15 -5118.468 21,725.62
-533,572.45 16,607.15 -5335.724 21,942.87
-555,515.32 16,607.15 -5555.153 22,162.30
-577,677.63 16,607.15 -5776.776 22,383.93
-600,061.55 16,607.15 -6000.616 22,607.77
-622,669.32 16,607.15 -6226.693 22,833.84
-645,503.16 16,607.15 -6455.032 23,062.18
-668,565.34 16,607.15 -6685.653 23,292.80
-691,858.15 16,607.15 -6918.581 23,525.73
-715,383.88 16,607.15 -7153.839 23,760.99
-739,144.87 16,607.15 -7391.449 23,998.60
-763,143.47 16,607.15 -7631.435 24,238.58
-787,382.05 16,607.15 -7873.821 24,480.97
-811,863.02 16,607.15 -8118.63 24,725.78
-836,588.80 16,607.15 -8365.888 24,973.04
-861,561.84 16,607.15 -8615.618 25,222.77
-886,784.61 16,607.15 -8867.846 25,475.00
-912,259.60 16,607.15 -9122.596 25,729.75
-937,989.35 16,607.15 -9379.893 25,987.04
-963,976.39 16,607.15 -9639.764 26,246.91
-990,223.31 16,607.15 -9902.233 26,509.38
-1,016,732.69 16,607.15 -10167.33 26,774.48
-1,043,507.17 16,607.15 -10435.07 27,042.22
-1,070,549.39 16,607.15 -10705.49 27,312.64
-1,097,862.03 16,607.15 -10978.62 27,585.77
-1,125,447.80 16,607.15 -11254.48 27,861.63
-1,153,309.43 16,607.15 -11533.09 28,140.24
-1,181,449.67 16,607.15 -11814.5 28,421.65
-1,209,871.32 16,607.15 -12098.71 28,705.86
-1,238,577.18 16,607.15 -12385.77 28,992.92
-1,267,570.11 16,607.15 -12675.7 29,282.85
-1,296,852.96 16,607.15 -12968.53 29,575.68
-1,326,428.64 16,607.15 -13264.29 29,871.44
-1,356,300.07 16,607.15 -13563 30,170.15
-1,386,470.22 16,607.15 -13864.7 30,471.85
-1,416,942.08 16,607.15 -14169.42 30,776.57
-1,447,718.65 16,607.15 -14477.19 31,084.34
-1,478,802.98 16,607.15 -14788 31,395.18
-1,510,198.16 16,607.15 -15102 31,709.13
-1,541,907.30 16,607.15 -15419.07 32,026.22
-1,573,933.52 16,607.15 -15739.34 32,346.49
-1,606,280.00 16,607.15 -16062.8 32,669.95
-1,638,949.95 16,607.15 -16389.5 32,996.65
-1,671,946.60 16,607.15 -16719.47 33,326.62
-1,705,273.22 16,607.15 -17052.73 33,659.88
-1,738,933.10 16,607.15 -17389.33 33,996.48
-1,772,929.58 16,607.15 -17729.3 34,336.45
-1,807,266.03 16,607.15 -18072.66 34,679.81
-1,841,945.84 16,607.15 -18419.46 35,026.61
-1,876,972.45 16,607.15 -18769.72 35,376.87
-1,912,349.32 16,607.15 -19123.49 35,730.64
-1,948,079.96 16,607.15 -19480.8 36,087.95
-1,984,167.91 16,607.15 -19841.68 36,448.83
-2,020,616.74 16,607.15 -20206.17 36,813.32
-2,057,430.06 16,607.15 -20574.3 37,181.45
-2,094,611.51 16,607.15 -20946.12 37,553.27
-2,132,164.78 16,607.15 -21321.65 37,928.80
-2,170,093.57 16,607.15 -21700.94 38,308.09
-2,208,401.66 16,607.15 -22084 38,691.17
-2,247,092.83 16,607.15 -22470.93 39,078.08
-2,286,170.90 16,607.15 -22861.71 39,468.86
-2,325,639.76 16,607.15 -23256.4 39,863.55
-2,365,503.31 16,607.15 -23655 40,262.18
-2,405,765.49 16,607.15 -24057.65 40,664.80
-2,446,430.30 16,607.15 -24464.3 41,071.45
-2,487,501.75 16,607.15 -24875 41,482.17
-2,528,983.92 16,607.15 -25289.84 41,896.99