If you are placing an FD of Rs. 200000 in a bank for 15yrs at interest rate of 13%.

What amount you be getting at the end of 10

Future value FV ₹ 678,913.48 FV(rate,nPer,pmt,pv,type)

Interest Rate Rate 13%
No of installments nPer 10
Amount pmt 0
Present Value Pv -200000 (Cash Outflow)
Payment either at the
beginning(1) or end(0) type 0

Annuity Payment at the end of the period

Annuity Due Payments at the beginning of the period

Penalty Charge the penalty on the future value, if 2% ₹ 13,578.27

FV after penalty ₹ 665,335.21
getting at the end of 10yrs?
What is the PV of $100 due in 3 years, if r per annum is 10%?

Future value FV 100

Interest Rate Rate 10%
No of installments nPer 3
Amount pmt 0
Present Value Pv 75.13 ₹ -75.13 PV(rate,nPer,pmt,fv,type)
Payment either at the
beginning(1) or end(0) type 0
Rs. 1000 invested once a year (at the end of the year) for 5 years at 10% compounding interest of p.a. what would be the amo

Future value FV ₹ 6,105.10 FV(rate,nPer,pmt,pv,type)

Interest Rate Rate 10%
No of installments nPer 5
Amount pmt -1000
Present Value Pv 0
Payment either at the
beginning(1) or end(0) type 0 End

FVA= Annuity*[(1+r)^r-1]/r

Future value FV ₹ 6,715.61 FV(rate,nPer,pmt,pv,type) OR ₹ 6,715.61

Interest Rate Rate 10%
No of installments nPer 5
Amount pmt -1000
Present Value Pv 0
Payment either at the
beginning(1) or end(0) type 1 Beginning
. what would be the amount at the end of 5 years.
What is the present value of a 5 year $100 ordinary annuity at 10%

Future value FV ₹ 0.00

Interest Rate Rate 10%
No of installments nPer 5
Amount pmt -100
Present Value Pv ₹ 379.08 PV(rate,nPer,pmt,fv,type)
Payment either at the
beginning(1) or end(0) type 0 End

Future value FV ₹ 0.00

Interest Rate Rate 10%
No of installments nPer 5
Amount pmt -100
Present Value Pv ₹ 416.99 PV(rate,nPer,pmt,fv,type)
Payment either at the
beginning(1) or end(0) type 1 Beginning
 Interest Loan Balance
Month(EMI) EMI portion portion EMI
0 20000 EMI 444.89
1 444.89 200 244.89 19755.11 Rate 1%
2 444.89 197.55 247.34 19507.77 Loan 20000
3 444.89 195.08 249.81 19257.96
4 444.89 192.58 252.31 19005.65
5 444.89 190.06 254.83 18750.81
6 444.89 187.51 257.38 18493.43
7 444.89 184.93 259.96 18233.48
8 444.89 182.33 262.56 17970.92
9 444.89 179.71 265.18 17705.74
10 444.89 177.06 267.83 17437.91
11 444.89 174.38 270.51 17167.40
12 444.89 171.67 273.22 16894.18
13 444.89 168.94 275.95 16618.23
14 444.89 166.18 278.71 16339.53
15 444.89 163.40 281.49 16058.03
16 444.89 160.58 284.31 15773.72
17 444.89 157.74 287.15 15486.57
18 444.89 154.87 290.02 15196.54
19 444.89 151.97 292.92 14903.62
20 444.89 149.04 295.85 14607.77
21 444.89 146.08 298.81 14308.95
22 444.89 143.09 301.80 14007.15
23 444.89 140.07 304.82 13702.33
24 444.89 137.02 307.87 13394.47
25 444.89 133.94 310.95 13083.52
26 444.89 130.84 314.05 12769.47
27 444.89 127.69 317.20 12452.27
28 444.89 124.52 320.37 12131.91
29 444.89 121.32 323.57 11808.33
30 444.89 118.08 326.81 11481.53
31 444.89 114.82 330.07 11151.45
32 444.89 111.51 333.38 10818.08
33 444.89 108.18 336.71 10481.37
34 444.89 104.81 340.08 10141.29
35 444.89 101.41 343.48 9797.82
36 444.89 97.98 346.91 9450.90
37 444.89 94.51 350.38 9100.52
38 444.89 91.01 353.88 8746.64
39 444.89 87.47 357.42 8389.21
40 444.89 83.89 361.00 8028.22
41 444.89 80.28 364.61 7663.61
42 444.89 76.64 368.25 7295.35
43 444.89 72.95 371.94 6923.42
44 444.89 69.23 375.66 6547.76
45 444.89 65.48 379.41 6168.35
46 444.89 61.68 383.21 5785.14
47 444.89 57.85 387.04 5398.10
48 444.89 53.98 390.91 5007.20
49 444.89 50.07 394.82 4612.38
50 444.89 46.12 398.77 4213.61
51 444.89 42.14 402.75 3810.86
52 444.89 38.11 406.78 3404.08
53 444.89 34.04 410.85 2993.23
54 444.89 29.93 414.96 2578.27
55 444.89 25.78 419.11 2159.16
56 444.89 21.59 423.30 1735.86
57 444.89 17.36 427.53 1308.33
58 444.89 13.08 431.81 876.53
59 444.89 8.77 436.12 440.40
60 444.89 4.40 440.49 -0.09
a.
Amt 5000 Future value FV ₹ 423,504.48 FV(rate,nPer,pmt,pv,type)
Rate 9% Interest Rate Rate 9%
Year 25 No of installments nPer 25
Amount pmt -5000
Present Value Pv 0

Payment either at
the beginning(1) or
end(0) type 0 End

b.
Amt 5000 Future value FV ₹ 681,537.69 FV(rate,nPer,pmt,pv,type)
Rate 5% Interest Rate Rate 9%
Year 30 No of installments nPer 30
Amount pmt -5000
Present Value Pv 0
Payment either at
the beginning(1) or
end(0) type 0 End

c. 20yrs 15yrs
Annuity ₹ 46,393.42 ₹ 84,550.72 pmt 46391.1709935371
PV -423504.48 -681537
nper 20 15
Rate 9% 9%
423505

A B
1 ₹ 3,000,000.00 ₹ 2,000,000.00
2 ₹ 3,000,000.00 ₹ 3,000,000.00
3 ₹ 3,000,000.00 ₹ 4,000,000.00
4 ₹ 3,000,000.00 ₹ 5,000,000.00
₹ 12,000,000.00 ₹ 14,000,000.00
10%
Present value
C factor A B
₹ 7,000,000.00 0.9090909091 ₹ 2,727,273 ₹ 1,818,181.82
₹ 1,000,000.00 0.826446281 ₹ 2,479,339 ₹ 2,479,338.84
₹ 1,000,000.00 0.7513148009 ₹ 2,253,944 ₹ 3,005,259.20
₹ 1,000,000.00 0.6830134554 ₹ 2,049,040 ₹ 3,415,067.28
₹ 10,000,000.00 ₹ 9,509,596 ₹ 10,717,847

If the lumpsum value occurs right at the beginning and the installment follows- apply present value of annuity
if the installment occurs first and then lumpsum occurs- apply future value of annuity
C
₹ 6,363,636.36
₹ 826,446.28
₹ 751,314.80
₹ 683,013.46
₹ 8,624,411
a. $530

b.
Future value FV ₹ 561.80 FV(rate,nPer,pmt,pv,type)
Interest Rate Rate 6%
No of installments nPer 2
Amount pmt 0
Present Value Pv -500 (Cash Outflow)

Payment either at
the beginning(1) or
end(0) type 0

c.
Future value FV 500
Interest Rate Rate 6%
No of installments nPer 1
Amount pmt 0
Present Value Pv 375.66 ₹ -471.70 PV(rate,nPer,pmt,fv,type)
Payment either at
the beginning(1) or
end(0) type 0

d
Future value FV 500
Interest Rate Rate 6%
No of installments nPer 2
Amount pmt 0
Present Value Pv 375.66 ₹ -445.00 PV(rate,nPer,pmt,fv,type)
Payment either at
the beginning(1) or
end(0) type 0
 5.14 a
Future value FV ₹ 6,374.97 FV(rate,nPer,pmt,pv,type)
Interest Rate Rate 10%
No of installments nPer 10
Amount pmt -400
Present Value Pv 0
Payment either at
the beginning(1) or
end(0) type 0 End

5.14b
Future value FV ₹ 1,105.13 FV(rate,nPer,pmt,pv,type)
Interest Rate Rate 5%
No of installments nPer 5
Amount pmt -200
Present Value Pv 0
Payment either at
the beginning(1) or
end(0) type 0 End

5.14c
Future value FV ₹ 2,000.00 FV(rate,nPer,pmt,pv,type) 400*5
Interest Rate Rate 0%
No of installments nPer 5
Amount pmt -400
Present Value Pv 0
Payment either at
the beginning(1) or
end(0) type 0 End
PVA Ordinary annuity
5.15a
Future value FV ₹ 0.00
Interest Rate Rate 10%
No of installments nPer 10
Amount pmt -400
Present Value Pv ₹ 2,457.83 PV(rate,nPer,pmt,fv,type)
Payment either at
the beginning(1) or
end(0) type 0 End

5.15b
Future value FV ₹ 0.00
Interest Rate Rate 5%
No of installments nPer 5
Amount pmt -200
Present Value Pv ₹ 865.90 PV(rate,nPer,pmt,fv,type)
Payment either at
the beginning(1) or
end(0) type 0 End

5.15c
Future value FV ₹ 0.00
Interest Rate Rate 0%
No of installments nPer 5
Amount pmt -400
Present Value Pv ₹ 2,000.00 PV(rate,nPer,pmt,fv,type)
Payment either at
the beginning(1) or
end(0) type 0 End
5.14d Annuity due at the beginning
a.
Future value FV ₹ 7,012.47 FV(rate,nPer,pmt,pv,type)
Interest Rate Rate 10%
No of installments nPer 10
Amount pmt -400
Present Value Pv 0
Payment either at
the beginning(1) or
end(0) type 1 Beginning

5.14b
Future value FV ₹ 1,160.38 FV(rate,nPer,pmt,pv,type)
Interest Rate Rate 5%
No of installments nPer 5
Amount pmt -200
Present Value Pv 0
Payment either at
the beginning(1) or
end(0) type 1 Beginning

5.14c
Future value FV ₹ 2,000.00 FV(rate,nPer,pmt,pv,type)
Interest Rate Rate 0%
No of installments nPer 5
Amount pmt -400
Present Value Pv 0
Payment either at
the beginning(1) or
end(0) type 1 Beginning
PVA Annuity due d
5.15a
Future value FV ₹ 0.00
Interest Rate Rate 10%
No of installments nPer 10
Amount pmt -400
Present Value Pv ₹ 2,703.61 PV(rate,nPer,pmt,fv,type)
Payment either at
the beginning(1) or
end(0) type 1 Beginning

5.15b
Future value FV ₹ 0.00
Interest Rate Rate 5%
No of installments nPer 5
Amount pmt -200
Present Value Pv ₹ 909.19 PV(rate,nPer,pmt,fv,type)
Payment either at
the beginning(1) or
end(0) type 1 Beginning

5.15c
Future value FV ₹ 0.00
Interest Rate Rate 0%
No of installments nPer 5
Amount pmt -400
Present Value Pv ₹ 2,000.00 PV(rate,nPer,pmt,fv,type)
Payment either at
the beginning(1) or
end(0) type 1 Beginning
Present value of annuity a b
Future value FV ₹ 0.00 Interest
Interest Rate Rate 5% Amt
No of installments nPer 4 Balance
Amount pmt -10000
Present Value Pv ₹ 35,459.51 PV(rate,nPer,pmt,fv,type)

Payment either at
the beginning(1) or
end(0) type 0 End

Annuity Due a
Future value FV ₹ 0.00 b
Interest Rate Rate 5% Interest
No of installments nPer 4 Amt
Amount pmt -10000 Balance
Present Value Pv ₹ 37,232.48 PV(rate,nPer,pmt,fv,type)
Payment either at
the beginning(1) or
end(0) type 1 End

5.3

A.
Future value FV ₹ 1,000,000.00 FV(rate,nPer,pmt,pv,type)
Interest Rate Rate 6%
No of installments nPer 38.74
Amount pmt -5000
Present Value Pv -30000

Payment either at
the beginning(1) or
end(0) type 0 End

B.
I Installment II Installment III Installment IV Installment
₹ 1,772.98 ₹ 1,361.62 ₹ 929.71 ₹ 476.19
₹ 37,232.48 ₹ 28,594.10 ₹ 19,523.81 ₹ 10,000.00
₹ 27,232.48 ₹ 18,594.10 ₹ 9,523.81 ₹ 0.00

I Installment II Installment III Installment IV Installment

₹ 1,361.62 ₹ 929.71 ₹ 476.19
₹ 37,232.48 ₹ 28,594.10 ₹ 19,523.81 ₹ 10,000.00
₹ 27,232.48 ₹ 18,594.10 ₹ 9,523.81 ₹ 0.00

Future value FV ₹ 1,000,000.00 FV(rate,nPer,pmt,pv,type)

Interest Rate Rate 20%
No of installments nPer 16.04
Amount pmt -5000
Present Value Pv -30000

Payment either at
the beginning(1) or
end(0) type 0 End