Q1

Investment of Rs.10,000 for 5 years at 12%

What is the account balance?
$17,623.42 FV(12%,5,0,-10000,0)

$17,623.42

Q2
Investment of Rs.12,000 for 3 years at rate of 11.5%. Whats the amount?
$16,634.35

Q3
Mr.A will invest Rs.5,000 after 5 years. What will be his account balance 15 years from
now, if rate offered by bank is 10%?
$12,968.71 FV(10%,10,0,-5000,0)

Q4
Investment of Rs.50,000 for 10 years at 14% compounded daily?
$202,705.58 14%/365,10*365,0,-50000,0

Q5
Mr. A starts with a monthly recurring deposit of Rs.500/month
What will be the account balance at the end of 5 years
If rate is 12% compounded monthly and INTEREST IS PAID at the start of month?

$41,243.18

Q6
Mr.A has taken a loan of Rs.25,00,000 for 15 years
rate offered by bank is 11.4% compounded monthly
Whats the EMI?
($29,046.00) PMT = 11.4%/12,12*15,2500000,0

Q7
Investment of Rs.100 becomes worth 500 in 20 years
What is the rate of interest?
8% 15%

Q8
Investment of Rs.100 becomes worth 500. Rate offered by bank is 12%
How many years will it take?

14.201505 B7,0,-$B$3,C7,0
 Rate,0,-Income,PV,0

Compounded Annually 1
Compounded Semi-Annually 2
Compounded Quarterly 4
Compounded Monthly 12
Compounded Daily 365

PV NPER INTEREST RATE

100000 5 12%
100000 5 12%
100000 5 12%
100000 5 12%
100000 5 12%
100000 5 12%

PV=FV/(1+R)^N

NPER RATE
5.000000 12%
5.141585 12%
5.216473 12%
5.268038 12%
5.293465 12%
5.255020 12%
FV = PV * (1+INTEREST) ^ N

FV=PV*(1+R)^N
PV=FV/(1+R)^N

$176,234.17

15-5=10 PV(B7,$B$4,0,D7,0)
$B$3*(1+B7)^$B$4

RATE(20,0,-100,500,0)
PAYMENT
YEARLY $176,234.17
HALF YEAR $179,084.77
QUARTERLY $180,611.12
MONTHLY $181,669.67
DAILY $182,193.91
EVERY 45 DAYS
8.11111111111111 $181,401.84
$181,854.37
18.25 $181,849.43
Ser No
0
1
2
3
4
5
6
CashFlows Return % Value of Investment Loan 500000
100 Present va 100 rate 9.67%
3% 103 Years 25
3% 106.09 EMI ₹ -4,427.71
3% 109.2727 INTEREST COMPONENT
3% 112.5509 PRINCIPAL COMPONENT
3% 115.9274
3% 119.4052 future value
₹ 119.41
Loan Interest EMI Principal
500000 4029.1667 ₹ -4,427.71 ₹ -398.55
₹ 499,601.45 ₹ 4,025.96 ₹ -4,427.71 ₹ -401.76
₹ 499,199.69 ₹ 4,022.72 ₹ -4,427.71 ₹ -405.00
₹ 498,794.70 ₹ 4,019.45 ₹ -4,427.71 ₹ -408.26
₹ 498,386.44 ₹ 4,016.16 ₹ -4,427.71 ₹ -411.55
₹ 497,974.89 ₹ 4,012.85 ₹ -4,427.71 ₹ -414.87
₹ 497,560.02 ₹ 4,009.50 ₹ -4,427.71 ₹ -418.21
₹ 497,141.81 ₹ 4,006.13 ₹ -4,427.71 ₹ -421.58
₹ 496,720.23 ₹ 4,002.74 ₹ -4,427.71 ₹ -424.98
₹ 496,295.25 ₹ 3,999.31 ₹ -4,427.71 ₹ -428.40
₹ 495,866.85 ₹ 3,995.86 ₹ -4,427.71 ₹ -431.85
₹ 495,435.00 ₹ 3,992.38 ₹ -4,427.71 ₹ -435.33
₹ 494,999.66 ₹ 3,988.87 ₹ -4,427.71 ₹ -438.84
₹ 494,560.82 ₹ 3,985.34 ₹ -4,427.71 ₹ -442.38
₹ 494,118.44 ₹ 3,981.77 ₹ -4,427.71 ₹ -445.94
₹ 493,672.50 ₹ 3,978.18 ₹ -4,427.71 ₹ -449.54
₹ 493,222.96 ₹ 3,974.56 ₹ -4,427.71 ₹ -453.16

₹ 492,769.80 ₹ 3,970.90 ₹ -4,427.71 ₹ -456.81

₹ 492,312.99 ₹ 3,967.22 ₹ -4,427.71 ₹ -460.49
₹ 491,852.50 ₹ 3,963.51 ₹ -4,427.71 ₹ -464.20
₹ 491,388.29 ₹ 3,959.77 ₹ -4,427.71 ₹ -467.94
₹ 490,920.35 ₹ 3,956.00 ₹ -4,427.71 ₹ -471.71

₹ 490,448.64 ₹ 3,952.20 ₹ -4,427.71 ₹ -475.52

₹ 489,973.12 ₹ 3,948.37 ₹ -4,427.71 ₹ -479.35
₹ 489,493.77 ₹ 3,944.50 ₹ -4,427.71 ₹ -483.21
₹ 489,010.56 ₹ 3,940.61 ₹ -4,427.71 ₹ -487.10
₹ 489,497.67 ₹ 3,944.54 ₹ -4,427.71 ₹ -8,372.25
₹ 497,869.92 ₹ 4,012.00 ₹ -4,427.71 ₹ -8,439.72
₹ 506,309.63 ₹ 4,080.01 ₹ -4,427.71 ₹ -8,507.73

₹ 514,817.36 ₹ 4,148.57 ₹ -4,427.71 ₹ -8,576.28

₹ 523,393.64 ₹ 4,217.68 ₹ -4,427.71 ₹ -8,645.39
₹ 532,039.04 ₹ 4,287.35 ₹ -4,427.71 ₹ -8,715.06
₹ 540,754.10 ₹ 4,357.58 ₹ -4,427.71 ₹ -8,785.29
₹ 549,539.39 ₹ 4,428.37 ₹ -4,427.71 ₹ -8,856.09
Create a debt amortization schedule for the following loan case
Loan 1000000
Rate 12% Compounded monthly
N 10 years
EMI ($14,347.09) end of period

End Loan Loan*Rate/12 EMI - Beg.Loan EMI - Interest

Month Beg. Loan Interest EMI End Loan Princi Repaid Interest

1 1,000,000 10,000 14,347 995,653 4,347

2 995,653 9,957 14,347 991,262 4,391
3 991,262 9,913 14,347 986,828 4,434
4 986,828 9,868 14,347 982,349 4,479
5 982,349 9,823 14,347 977,825 4,524
6 977,825 9,778 14,347 973,257 4,569
7 973,257 9,733 14,347 968,642 4,615
8 968,642 9,686 14,347 963,981 4,661
9 963,981 9,640 14,347 959,274 4,707
10 959,274 9,593 14,347 954,520 4,754
11 954,520 9,545 14,347 949,718 4,802
12 949,718 9,497 14,347 944,868 4,850
13 944,868 9,449 14,347 939,970 4,898
14 939,970 9,400 14,347 935,022 4,947
15 935,022 9,350 14,347 930,025 4,997
16 930,025 9,300 14,347 924,978 5,047
17 924,978 9,250 14,347 919,881 5,097
18 919,881 9,199 14,347 914,733 5,148
19 914,733 9,147 14,347 909,533 5,200
20 909,533 9,095 14,347 904,281 5,252
21 904,281 9,043 14,347 898,977 5,304
22 898,977 8,990 14,347 893,620 5,357
23 893,620 8,936 14,347 888,209 5,411
24 888,209 8,882 14,347 882,744 5,465
25 882,744 8,827 14,347 877,224 5,520
26 877,224 8,772 14,347 871,649 5,575
27 871,649 8,716 14,347 866,019 5,631
28 866,019 8,660 14,347 860,332 5,687
29 860,332 8,603 14,347 854,588 5,744
30 854,588 8,546 14,347 848,787 5,801
31 848,787 8,488 14,347 842,928 5,859
32 842,928 8,429 14,347 837,010 5,918
33 837,010 8,370 14,347 831,033 5,977
34 831,033 8,310 14,347 824,996 6,037
35 824,996 8,250 14,347 818,899 6,097
36 818,899 8,189 14,347 812,741 6,158
37 812,741 8,127 14,347 806,521 6,220
38 806,521 8,065 14,347 800,239 6,282
39 800,239 8,002 14,347 793,894 6,345
40 793,894 7,939 14,347 787,486 6,408
41 787,486 7,875 14,347 781,014 6,472
42 781,014 7,810 14,347 774,477 6,537
43 774,477 7,745 14,347 767,875 6,602
44 767,875 7,679 14,347 761,206 6,668
45 761,206 7,612 14,347 754,471 6,735
46 754,471 7,545 14,347 747,669 6,802
47 747,669 7,477 14,347 740,799 6,870
48 740,799 7,408 14,347 733,860 6,939
49 733,860 7,339 14,347 726,851 7,008
50 726,851 7,269 14,347 719,772 7,079
51 719,772 7,198 14,347 712,623 7,149
52 712,623 7,126 14,347 705,402 7,221
53 705,402 7,054 14,347 698,109 7,293
54 698,109 6,981 14,347 690,743 7,366
55 690,743 6,907 14,347 683,303 7,440
56 683,303 6,833 14,347 675,789 7,514
57 675,789 6,758 14,347 668,200 7,589
58 668,200 6,682 14,347 660,535 7,665
59 660,535 6,605 14,347 652,793 7,742
60 652,793 6,528 14,347 644,974 7,819
61 644,974 6,450 14,347 637,077 7,897
62 637,077 6,371 14,347 629,101 7,976
63 629,101 6,291 14,347 621,044 8,056
64 621,044 6,210 14,347 612,908 8,137
65 612,908 6,129 14,347 604,690 8,218
66 604,690 6,047 14,347 596,390 8,300
67 596,390 5,964 14,347 588,006 8,383
68 588,006 5,880 14,347 579,539 8,467
69 579,539 5,795 14,347 570,988 8,552
70 570,988 5,710 14,347 562,350 8,637
71 562,350 5,624 14,347 553,627 8,724
72 553,627 5,536 14,347 544,816 8,811
73 544,816 5,448 14,347 535,917 8,899
74 535,917 5,359 14,347 526,929 8,988
75 526,929 5,269 14,347 517,851 9,078
76 517,851 5,179 14,347 508,683 9,169
77 508,683 5,087 14,347 499,422 9,260
78 499,422 4,994 14,347 490,070 9,353
79 490,070 4,901 14,347 480,623 9,446
80 480,623 4,806 14,347 471,082 9,541
 81 471,082 4,711 14,347 461,446 9,636
82 461,446 4,614 14,347 451,713 9,733
83 451,713 4,517 14,347 441,883 9,830
84 441,883 4,419 14,347 431,955 9,928
85 431,955 4,320 14,347 421,928 10,028
86 421,928 4,219 14,347 411,800 10,128
87 411,800 4,118 14,347 401,571 10,229
88 401,571 4,016 14,347 391,239 10,331
89 391,239 3,912 14,347 380,805 10,435
90 380,805 3,808 14,347 370,266 10,539
91 370,266 3,703 14,347 359,621 10,644
92 359,621 3,596 14,347 348,870 10,751
93 348,870 3,489 14,347 338,012 10,858
94 338,012 3,380 14,347 327,045 10,967
95 327,045 3,270 14,347 315,968 11,077
96 315,968 3,160 14,347 304,781 11,187
97 304,781 3,048 14,347 293,482 11,299
98 293,482 2,935 14,347 282,069 11,412
99 282,069 2,821 14,347 270,543 11,526
100 270,543 2,705 14,347 258,901 11,642
101 258,901 2,589 14,347 247,143 11,758
102 247,143 2,471 14,347 235,268 11,876
103 235,268 2,353 14,347 223,273 11,994
104 223,273 2,233 14,347 211,159 12,114
105 211,159 2,112 14,347 198,923 12,236
106 198,923 1,989 14,347 186,565 12,358
107 186,565 1,866 14,347 174,084 12,481
108 174,084 1,741 14,347 161,478 12,606
109 161,478 1,615 14,347 148,745 12,732
110 148,745 1,487 14,347 135,886 12,860
111 135,886 1,359 14,347 122,897 12,988
112 122,897 1,229 14,347 109,779 13,118
113 109,779 1,098 14,347 96,530 13,249
114 96,530 965 14,347 83,148 13,382
115 83,148 831 14,347 69,633 13,516
116 69,633 696 14,347 55,982 13,651
117 55,982 560 14,347 42,195 13,787
118 42,195 422 14,347 28,269 13,925
119 28,269 283 14,347 14,205 14,064
120 14,205 142 14,347 (0) 14,205
 - interest till 72 period
- TOTAL INTEREST
#DIV/0!