- outflow +

FV
Principal -1000 Outflow -5000
Rate 10% 8%
Time 2 5

Future Value ₹ 1,210.00 Inflow ₹ 2,100.00 ₹ 7,346.64

(Future value of Lumsum) (Future value of annuaity ) (Future value of Lumsum)

Cal of EMI

Loan 2500000 2500000 3500000

Rate 9.25% PA 0.008 11.00%
Time 20 Years 240 20
EMI ₹ -22,896.67 ₹ -22,896.67 ₹ -36,126.59

FV Schedule Function
8000
21-22 10%
22-23 11.50%
23-34 12%
10989.44

2500000 for 1st year 3500000 for 1st year

Principal component PPMT ₹ -3,625.84 ₹ -4,043.26
Interest Component IPMT ₹ -19,270.83 ₹ -32,083.33

25 Lacs @9.25% 35 Lacs @1

1 ₹ -3,625.84 ₹ -19,270.83 ₹ -22,896.67 ₹ -4,043.26
2 ₹ -3,653.79 ₹ -19,242.88 ₹ -22,896.67 ₹ -4,080.32
3 ₹ -3,681.95 ₹ -19,214.72 ₹ -22,896.67 ₹ -4,117.73
4 ₹ -3,710.33 ₹ -19,186.34 ₹ -22,896.67 ₹ -4,155.47
5 ₹ -3,738.93 ₹ -19,157.74 ₹ -22,896.67 ₹ -4,193.56
6 ₹ -3,767.75 ₹ -19,128.92 ₹ -22,896.67 ₹ -4,232.01
7 ₹ -3,796.80 ₹ -19,099.87 ₹ -22,896.67 ₹ -4,270.80
8 ₹ -3,826.06 ₹ -19,070.61 ₹ -22,896.67 ₹ -4,309.95
9 ₹ -3,855.56 ₹ -19,041.11 ₹ -22,896.67 ₹ -4,349.46
10 ₹ -3,885.28 ₹ -19,011.39 ₹ -22,896.67 ₹ -4,389.33
11 ₹ -3,915.23 ₹ -18,981.44 ₹ -22,896.67 ₹ -4,429.56
12 ₹ -3,945.41 ₹ -18,951.26 ₹ -22,896.67 ₹ -4,470.17
13 ₹ -3,975.82 ₹ -18,920.85 ₹ -22,896.67 ₹ -4,511.14
14 ₹ -4,006.47 ₹ -18,890.21 ₹ -22,896.67 ₹ -4,552.49
15 ₹ -4,037.35 ₹ -18,859.32 ₹ -22,896.67 ₹ -4,594.23
16 ₹ -4,068.47 ₹ -18,828.20 ₹ -22,896.67 ₹ -4,636.34
17 ₹ -4,099.83 ₹ -18,796.84 ₹ -22,896.67 ₹ -4,678.84
18 ₹ -4,131.43 ₹ -18,765.24 ₹ -22,896.67 ₹ -4,721.73
19 ₹ -4,163.28 ₹ -18,733.39 ₹ -22,896.67 ₹ -4,765.01
20 ₹ -4,195.37 ₹ -18,701.30 ₹ -22,896.67 ₹ -4,808.69
21 ₹ -4,227.71 ₹ -18,668.96 ₹ -22,896.67 ₹ -4,852.77
22 ₹ -4,260.30 ₹ -18,636.37 ₹ -22,896.67 ₹ -4,897.25
23 ₹ -4,293.14 ₹ -18,603.53 ₹ -22,896.67 ₹ -4,942.14
24 ₹ -4,326.23 ₹ -18,570.44 ₹ -22,896.67 ₹ -4,987.45
25 ₹ -4,359.58 ₹ -18,537.09 ₹ -22,896.67 ₹ -5,033.17
26 ₹ -4,393.19 ₹ -18,503.48 ₹ -22,896.67 ₹ -5,079.30
27 ₹ -4,427.05 ₹ -18,469.62 ₹ -22,896.67 ₹ -5,125.86
28 ₹ -4,461.18 ₹ -18,435.50 ₹ -22,896.67 ₹ -5,172.85
29 ₹ -4,495.56 ₹ -18,401.11 ₹ -22,896.67 ₹ -5,220.27
30 ₹ -4,530.22 ₹ -18,366.45 ₹ -22,896.67 ₹ -5,268.12
31 ₹ -4,565.14 ₹ -18,331.53 ₹ -22,896.67 ₹ -5,316.41
32 ₹ -4,600.33 ₹ -18,296.34 ₹ -22,896.67 ₹ -5,365.15
33 ₹ -4,635.79 ₹ -18,260.88 ₹ -22,896.67 ₹ -5,414.33
34 ₹ -4,671.52 ₹ -18,225.15 ₹ -22,896.67 ₹ -5,463.96
35 ₹ -4,707.53 ₹ -18,189.14 ₹ -22,896.67 ₹ -5,514.04
36 ₹ -4,743.82 ₹ -18,152.85 ₹ -22,896.67 ₹ -5,564.59
37 ₹ -4,780.39 ₹ -18,116.29 ₹ -22,896.67 ₹ -5,615.60
38 ₹ -4,817.23 ₹ -18,079.44 ₹ -22,896.67 ₹ -5,667.07
39 ₹ -4,854.37 ₹ -18,042.30 ₹ -22,896.67 ₹ -5,719.02
40 ₹ -4,891.79 ₹ -18,004.88 ₹ -22,896.67 ₹ -5,771.45
41 ₹ -4,929.49 ₹ -17,967.18 ₹ -22,896.67 ₹ -5,824.35
42 ₹ -4,967.49 ₹ -17,929.18 ₹ -22,896.67 ₹ -5,877.74
43 ₹ -5,005.78 ₹ -17,890.89 ₹ -22,896.67 ₹ -5,931.62
44 ₹ -5,044.37 ₹ -17,852.30 ₹ -22,896.67 ₹ -5,985.99
45 ₹ -5,083.25 ₹ -17,813.42 ₹ -22,896.67 ₹ -6,040.87
46 ₹ -5,122.44 ₹ -17,774.23 ₹ -22,896.67 ₹ -6,096.24
47 ₹ -5,161.92 ₹ -17,734.75 ₹ -22,896.67 ₹ -6,152.12
48 ₹ -5,201.71 ₹ -17,694.96 ₹ -22,896.67 ₹ -6,208.52
49 ₹ -5,241.81 ₹ -17,654.86 ₹ -22,896.67 ₹ -6,265.43
50 ₹ -5,282.21 ₹ -17,614.46 ₹ -22,896.67 ₹ -6,322.86
51 ₹ -5,322.93 ₹ -17,573.74 ₹ -22,896.67 ₹ -6,380.82
52 ₹ -5,363.96 ₹ -17,532.71 ₹ -22,896.67 ₹ -6,439.31
53 ₹ -5,405.31 ₹ -17,491.36 ₹ -22,896.67 ₹ -6,498.34
54 ₹ -5,446.98 ₹ -17,449.70 ₹ -22,896.67 ₹ -6,557.91
55 ₹ -5,488.96 ₹ -17,407.71 ₹ -22,896.67 ₹ -6,618.02
56 ₹ -5,531.27 ₹ -17,365.40 ₹ -22,896.67 ₹ -6,678.69
57 ₹ -5,573.91 ₹ -17,322.76 ₹ -22,896.67 ₹ -6,739.91
 58 ₹ -5,616.88 ₹ -17,279.80 ₹ -22,896.67 ₹ -6,801.69
59 ₹ -5,660.17 ₹ -17,236.50 ₹ -22,896.67 ₹ -6,864.04
60 ₹ -5,703.80 ₹ -17,192.87 ₹ -22,896.67 ₹ -6,926.96
61 ₹ -5,747.77 ₹ -17,148.90 ₹ -22,896.67 ₹ -6,990.46
62 ₹ -5,792.08 ₹ -17,104.60 ₹ -22,896.67 ₹ -7,054.54
63 ₹ -5,836.72 ₹ -17,059.95 ₹ -22,896.67 ₹ -7,119.20
64 ₹ -5,881.71 ₹ -17,014.96 ₹ -22,896.67 ₹ -7,184.46
65 ₹ -5,927.05 ₹ -16,969.62 ₹ -22,896.67 ₹ -7,250.32
66 ₹ -5,972.74 ₹ -16,923.93 ₹ -22,896.67 ₹ -7,316.78
67 ₹ -6,018.78 ₹ -16,877.89 ₹ -22,896.67 ₹ -7,383.85
68 ₹ -6,065.17 ₹ -16,831.50 ₹ -22,896.67 ₹ -7,451.54
69 ₹ -6,111.93 ₹ -16,784.74 ₹ -22,896.67 ₹ -7,519.84
70 ₹ -6,159.04 ₹ -16,737.63 ₹ -22,896.67 ₹ -7,588.77
71 ₹ -6,206.52 ₹ -16,690.16 ₹ -22,896.67 ₹ -7,658.34
72 ₹ -6,254.36 ₹ -16,642.31 ₹ -22,896.67 ₹ -7,728.54
73 ₹ -6,302.57 ₹ -16,594.10 ₹ -22,896.67 ₹ -7,799.38
74 ₹ -6,351.15 ₹ -16,545.52 ₹ -22,896.67 ₹ -7,870.88
75 ₹ -6,400.11 ₹ -16,496.56 ₹ -22,896.67 ₹ -7,943.03
76 ₹ -6,449.44 ₹ -16,447.23 ₹ -22,896.67 ₹ -8,015.84
77 ₹ -6,499.16 ₹ -16,397.52 ₹ -22,896.67 ₹ -8,089.32
78 ₹ -6,549.25 ₹ -16,347.42 ₹ -22,896.67 ₹ -8,163.47
79 ₹ -6,599.74 ₹ -16,296.93 ₹ -22,896.67 ₹ -8,238.30
80 ₹ -6,650.61 ₹ -16,246.06 ₹ -22,896.67 ₹ -8,313.82
81 ₹ -6,701.88 ₹ -16,194.80 ₹ -22,896.67 ₹ -8,390.03
82 ₹ -6,753.54 ₹ -16,143.14 ₹ -22,896.67 ₹ -8,466.94
83 ₹ -6,805.59 ₹ -16,091.08 ₹ -22,896.67 ₹ -8,544.55
84 ₹ -6,858.05 ₹ -16,038.62 ₹ -22,896.67 ₹ -8,622.88
85 ₹ -6,910.92 ₹ -15,985.75 ₹ -22,896.67 ₹ -8,701.92
86 ₹ -6,964.19 ₹ -15,932.48 ₹ -22,896.67 ₹ -8,781.69
87 ₹ -7,017.87 ₹ -15,878.80 ₹ -22,896.67 ₹ -8,862.19
88 ₹ -7,071.97 ₹ -15,824.70 ₹ -22,896.67 ₹ -8,943.42
89 ₹ -7,126.48 ₹ -15,770.19 ₹ -22,896.67 ₹ -9,025.40
90 ₹ -7,181.41 ₹ -15,715.26 ₹ -22,896.67 ₹ -9,108.14
91 ₹ -7,236.77 ₹ -15,659.90 ₹ -22,896.67 ₹ -9,191.63
92 ₹ -7,292.55 ₹ -15,604.12 ₹ -22,896.67 ₹ -9,275.88
93 ₹ -7,348.77 ₹ -15,547.90 ₹ -22,896.67 ₹ -9,360.91
94 ₹ -7,405.41 ₹ -15,491.26 ₹ -22,896.67 ₹ -9,446.72
95 ₹ -7,462.50 ₹ -15,434.17 ₹ -22,896.67 ₹ -9,533.32
96 ₹ -7,520.02 ₹ -15,376.65 ₹ -22,896.67 ₹ -9,620.71
97 ₹ -7,577.99 ₹ -15,318.68 ₹ -22,896.67 ₹ -9,708.90
98 ₹ -7,636.40 ₹ -15,260.27 ₹ -22,896.67 ₹ -9,797.89
99 ₹ -7,695.27 ₹ -15,201.40 ₹ -22,896.67 ₹ -9,887.71
100 ₹ -7,754.58 ₹ -15,142.09 ₹ -22,896.67 ₹ -9,978.35
101 ₹ -7,814.36 ₹ -15,082.31 ₹ -22,896.67 ₹ -10,069.81
102 ₹ -7,874.59 ₹ -15,022.08 ₹ -22,896.67 ₹ -10,162.12
103 ₹ -7,935.29 ₹ -14,961.38 ₹ -22,896.67 ₹ -10,255.27
104 ₹ -7,996.46 ₹ -14,900.21 ₹ -22,896.67 ₹ -10,349.28
105 ₹ -8,058.10 ₹ -14,838.57 ₹ -22,896.67 ₹ -10,444.15
106 ₹ -8,120.22 ₹ -14,776.45 ₹ -22,896.67 ₹ -10,539.89
107 ₹ -8,182.81 ₹ -14,713.86 ₹ -22,896.67 ₹ -10,636.50
108 ₹ -8,245.89 ₹ -14,650.79 ₹ -22,896.67 ₹ -10,734.00
109 ₹ -8,309.45 ₹ -14,587.22 ₹ -22,896.67 ₹ -10,832.40
110 ₹ -8,373.50 ₹ -14,523.17 ₹ -22,896.67 ₹ -10,931.69
111 ₹ -8,438.05 ₹ -14,458.63 ₹ -22,896.67 ₹ -11,031.90
112 ₹ -8,503.09 ₹ -14,393.58 ₹ -22,896.67 ₹ -11,133.03
113 ₹ -8,568.63 ₹ -14,328.04 ₹ -22,896.67 ₹ -11,235.08
114 ₹ -8,634.68 ₹ -14,261.99 ₹ -22,896.67 ₹ -11,338.07
115 ₹ -8,701.24 ₹ -14,195.43 ₹ -22,896.67 ₹ -11,442.00
116 ₹ -8,768.31 ₹ -14,128.36 ₹ -22,896.67 ₹ -11,546.89
117 ₹ -8,835.90 ₹ -14,060.77 ₹ -22,896.67 ₹ -11,652.73
118 ₹ -8,904.01 ₹ -13,992.66 ₹ -22,896.67 ₹ -11,759.55
119 ₹ -8,972.65 ₹ -13,924.02 ₹ -22,896.67 ₹ -11,867.35
120 ₹ -9,041.81 ₹ -13,854.86 ₹ -22,896.67 ₹ -11,976.13
121 ₹ -9,111.51 ₹ -13,785.16 ₹ -22,896.67 ₹ -12,085.91
122 ₹ -9,181.74 ₹ -13,714.93 ₹ -22,896.67 ₹ -12,196.70
123 ₹ -9,252.52 ₹ -13,644.15 ₹ -22,896.67 ₹ -12,308.50
124 ₹ -9,323.84 ₹ -13,572.83 ₹ -22,896.67 ₹ -12,421.33
125 ₹ -9,395.71 ₹ -13,500.96 ₹ -22,896.67 ₹ -12,535.19
126 ₹ -9,468.14 ₹ -13,428.53 ₹ -22,896.67 ₹ -12,650.10
127 ₹ -9,541.12 ₹ -13,355.55 ₹ -22,896.67 ₹ -12,766.06
128 ₹ -9,614.67 ₹ -13,282.00 ₹ -22,896.67 ₹ -12,883.08
129 ₹ -9,688.78 ₹ -13,207.89 ₹ -22,896.67 ₹ -13,001.17
130 ₹ -9,763.47 ₹ -13,133.21 ₹ -22,896.67 ₹ -13,120.35
131 ₹ -9,838.73 ₹ -13,057.95 ₹ -22,896.67 ₹ -13,240.62
132 ₹ -9,914.57 ₹ -12,982.11 ₹ -22,896.67 ₹ -13,361.99
133 ₹ -9,990.99 ₹ -12,905.68 ₹ -22,896.67 ₹ -13,484.48
134 ₹ -10,068.00 ₹ -12,828.67 ₹ -22,896.67 ₹ -13,608.09
135 ₹ -10,145.61 ₹ -12,751.06 ₹ -22,896.67 ₹ -13,732.83
136 ₹ -10,223.82 ₹ -12,672.85 ₹ -22,896.67 ₹ -13,858.71
137 ₹ -10,302.63 ₹ -12,594.04 ₹ -22,896.67 ₹ -13,985.75
138 ₹ -10,382.04 ₹ -12,514.63 ₹ -22,896.67 ₹ -14,113.95
139 ₹ -10,462.07 ₹ -12,434.60 ₹ -22,896.67 ₹ -14,243.33
140 ₹ -10,542.72 ₹ -12,353.96 ₹ -22,896.67 ₹ -14,373.89
141 ₹ -10,623.98 ₹ -12,272.69 ₹ -22,896.67 ₹ -14,505.65
142 ₹ -10,705.88 ₹ -12,190.80 ₹ -22,896.67 ₹ -14,638.62
143 ₹ -10,788.40 ₹ -12,108.27 ₹ -22,896.67 ₹ -14,772.81
144 ₹ -10,871.56 ₹ -12,025.11 ₹ -22,896.67 ₹ -14,908.23
145 ₹ -10,955.36 ₹ -11,941.31 ₹ -22,896.67 ₹ -15,044.89
146 ₹ -11,039.81 ₹ -11,856.86 ₹ -22,896.67 ₹ -15,182.80
147 ₹ -11,124.91 ₹ -11,771.76 ₹ -22,896.67 ₹ -15,321.97
148 ₹ -11,210.66 ₹ -11,686.01 ₹ -22,896.67 ₹ -15,462.42
149 ₹ -11,297.08 ₹ -11,599.59 ₹ -22,896.67 ₹ -15,604.16
150 ₹ -11,384.16 ₹ -11,512.51 ₹ -22,896.67 ₹ -15,747.20
151 ₹ -11,471.91 ₹ -11,424.76 ₹ -22,896.67 ₹ -15,891.55
152 ₹ -11,560.34 ₹ -11,336.33 ₹ -22,896.67 ₹ -16,037.22
153 ₹ -11,649.45 ₹ -11,247.22 ₹ -22,896.67 ₹ -16,184.23
154 ₹ -11,739.25 ₹ -11,157.42 ₹ -22,896.67 ₹ -16,332.59
155 ₹ -11,829.74 ₹ -11,066.93 ₹ -22,896.67 ₹ -16,482.30
156 ₹ -11,920.93 ₹ -10,975.74 ₹ -22,896.67 ₹ -16,633.39
157 ₹ -12,012.82 ₹ -10,883.85 ₹ -22,896.67 ₹ -16,785.86
158 ₹ -12,105.42 ₹ -10,791.25 ₹ -22,896.67 ₹ -16,939.73
159 ₹ -12,198.73 ₹ -10,697.94 ₹ -22,896.67 ₹ -17,095.01
160 ₹ -12,292.76 ₹ -10,603.91 ₹ -22,896.67 ₹ -17,251.72
161 ₹ -12,387.52 ₹ -10,509.15 ₹ -22,896.67 ₹ -17,409.86
162 ₹ -12,483.01 ₹ -10,413.66 ₹ -22,896.67 ₹ -17,569.45
163 ₹ -12,579.23 ₹ -10,317.44 ₹ -22,896.67 ₹ -17,730.50
164 ₹ -12,676.19 ₹ -10,220.48 ₹ -22,896.67 ₹ -17,893.03
165 ₹ -12,773.91 ₹ -10,122.76 ₹ -22,896.67 ₹ -18,057.05
166 ₹ -12,872.37 ₹ -10,024.30 ₹ -22,896.67 ₹ -18,222.57
167 ₹ -12,971.60 ₹ -9,925.07 ₹ -22,896.67 ₹ -18,389.61
168 ₹ -13,071.59 ₹ -9,825.08 ₹ -22,896.67 ₹ -18,558.19
169 ₹ -13,172.35 ₹ -9,724.32 ₹ -22,896.67 ₹ -18,728.30
170 ₹ -13,273.88 ₹ -9,622.79 ₹ -22,896.67 ₹ -18,899.98
171 ₹ -13,376.20 ₹ -9,520.47 ₹ -22,896.67 ₹ -19,073.23
172 ₹ -13,479.31 ₹ -9,417.36 ₹ -22,896.67 ₹ -19,248.07
173 ₹ -13,583.21 ₹ -9,313.46 ₹ -22,896.67 ₹ -19,424.51
174 ₹ -13,687.92 ₹ -9,208.75 ₹ -22,896.67 ₹ -19,602.57
175 ₹ -13,793.43 ₹ -9,103.24 ₹ -22,896.67 ₹ -19,782.26
176 ₹ -13,899.75 ₹ -8,996.92 ₹ -22,896.67 ₹ -19,963.59
177 ₹ -14,006.90 ₹ -8,889.77 ₹ -22,896.67 ₹ -20,146.59
178 ₹ -14,114.87 ₹ -8,781.80 ₹ -22,896.67 ₹ -20,331.27
179 ₹ -14,223.67 ₹ -8,673.00 ₹ -22,896.67 ₹ -20,517.64
180 ₹ -14,333.31 ₹ -8,563.36 ₹ -22,896.67 ₹ -20,705.72
181 ₹ -14,443.80 ₹ -8,452.88 ₹ -22,896.67 ₹ -20,895.52
182 ₹ -14,555.13 ₹ -8,341.54 ₹ -22,896.67 ₹ -21,087.06
183 ₹ -14,667.33 ₹ -8,229.34 ₹ -22,896.67 ₹ -21,280.36
184 ₹ -14,780.39 ₹ -8,116.28 ₹ -22,896.67 ₹ -21,475.43
185 ₹ -14,894.32 ₹ -8,002.35 ₹ -22,896.67 ₹ -21,672.29
186 ₹ -15,009.13 ₹ -7,887.54 ₹ -22,896.67 ₹ -21,870.95
187 ₹ -15,124.83 ₹ -7,771.84 ₹ -22,896.67 ₹ -22,071.44
188 ₹ -15,241.42 ₹ -7,655.26 ₹ -22,896.67 ₹ -22,273.76
189 ₹ -15,358.90 ₹ -7,537.77 ₹ -22,896.67 ₹ -22,477.93
190 ₹ -15,477.29 ₹ -7,419.38 ₹ -22,896.67 ₹ -22,683.98
191 ₹ -15,596.60 ₹ -7,300.07 ₹ -22,896.67 ₹ -22,891.92
192 ₹ -15,716.82 ₹ -7,179.85 ₹ -22,896.67 ₹ -23,101.76
193 ₹ -15,837.97 ₹ -7,058.70 ₹ -22,896.67 ₹ -23,313.53
194 ₹ -15,960.06 ₹ -6,936.62 ₹ -22,896.67 ₹ -23,527.23
195 ₹ -16,083.08 ₹ -6,813.59 ₹ -22,896.67 ₹ -23,742.90
196 ₹ -16,207.05 ₹ -6,689.62 ₹ -22,896.67 ₹ -23,960.54
197 ₹ -16,331.98 ₹ -6,564.69 ₹ -22,896.67 ₹ -24,180.18
198 ₹ -16,457.88 ₹ -6,438.79 ₹ -22,896.67 ₹ -24,401.83
199 ₹ -16,584.74 ₹ -6,311.93 ₹ -22,896.67 ₹ -24,625.52
200 ₹ -16,712.58 ₹ -6,184.09 ₹ -22,896.67 ₹ -24,851.25
201 ₹ -16,841.41 ₹ -6,055.27 ₹ -22,896.67 ₹ -25,079.05
202 ₹ -16,971.22 ₹ -5,925.45 ₹ -22,896.67 ₹ -25,308.94
203 ₹ -17,102.04 ₹ -5,794.63 ₹ -22,896.67 ₹ -25,540.94
204 ₹ -17,233.87 ₹ -5,662.80 ₹ -22,896.67 ₹ -25,775.07
205 ₹ -17,366.72 ₹ -5,529.95 ₹ -22,896.67 ₹ -26,011.34
206 ₹ -17,500.59 ₹ -5,396.08 ₹ -22,896.67 ₹ -26,249.78
207 ₹ -17,635.49 ₹ -5,261.18 ₹ -22,896.67 ₹ -26,490.40
208 ₹ -17,771.43 ₹ -5,125.24 ₹ -22,896.67 ₹ -26,733.23
209 ₹ -17,908.41 ₹ -4,988.26 ₹ -22,896.67 ₹ -26,978.28
210 ₹ -18,046.46 ₹ -4,850.21 ₹ -22,896.67 ₹ -27,225.58
211 ₹ -18,185.57 ₹ -4,711.10 ₹ -22,896.67 ₹ -27,475.15
212 ₹ -18,325.75 ₹ -4,570.92 ₹ -22,896.67 ₹ -27,727.01
213 ₹ -18,467.01 ₹ -4,429.66 ₹ -22,896.67 ₹ -27,981.17
214 ₹ -18,609.36 ₹ -4,287.31 ₹ -22,896.67 ₹ -28,237.67
215 ₹ -18,752.81 ₹ -4,143.87 ₹ -22,896.67 ₹ -28,496.51
216 ₹ -18,897.36 ₹ -3,999.31 ₹ -22,896.67 ₹ -28,757.73
217 ₹ -19,043.03 ₹ -3,853.65 ₹ -22,896.67 ₹ -29,021.34
218 ₹ -19,189.82 ₹ -3,706.86 ₹ -22,896.67 ₹ -29,287.37
219 ₹ -19,337.74 ₹ -3,558.93 ₹ -22,896.67 ₹ -29,555.84
220 ₹ -19,486.80 ₹ -3,409.87 ₹ -22,896.67 ₹ -29,826.77
221 ₹ -19,637.01 ₹ -3,259.66 ₹ -22,896.67 ₹ -30,100.18
222 ₹ -19,788.38 ₹ -3,108.29 ₹ -22,896.67 ₹ -30,376.10
223 ₹ -19,940.91 ₹ -2,955.76 ₹ -22,896.67 ₹ -30,654.54
224 ₹ -20,094.62 ₹ -2,802.05 ₹ -22,896.67 ₹ -30,935.54
225 ₹ -20,249.52 ₹ -2,647.15 ₹ -22,896.67 ₹ -31,219.12
226 ₹ -20,405.61 ₹ -2,491.06 ₹ -22,896.67 ₹ -31,505.30
227 ₹ -20,562.90 ₹ -2,333.77 ₹ -22,896.67 ₹ -31,794.09
228 ₹ -20,721.41 ₹ -2,175.26 ₹ -22,896.67 ₹ -32,085.54
229 ₹ -20,881.14 ₹ -2,015.53 ₹ -22,896.67 ₹ -32,379.66
230 ₹ -21,042.10 ₹ -1,854.58 ₹ -22,896.67 ₹ -32,676.47
231 ₹ -21,204.30 ₹ -1,692.38 ₹ -22,896.67 ₹ -32,976.01
232 ₹ -21,367.74 ₹ -1,528.93 ₹ -22,896.67 ₹ -33,278.29
233 ₹ -21,532.45 ₹ -1,364.22 ₹ -22,896.67 ₹ -33,583.34
234 ₹ -21,698.43 ₹ -1,198.24 ₹ -22,896.67 ₹ -33,891.18
235 ₹ -21,865.69 ₹ -1,030.98 ₹ -22,896.67 ₹ -34,201.85
236 ₹ -22,034.24 ₹ -862.43 ₹ -22,896.67 ₹ -34,515.37
237 ₹ -22,204.09 ₹ -692.58 ₹ -22,896.67 ₹ -34,831.76
 238 ₹ -22,375.24 ₹ -521.43 ₹ -22,896.67 ₹ -35,151.05
239 ₹ -22,547.72 ₹ -348.95 ₹ -22,896.67 ₹ -35,473.27
240 ₹ -22,721.53 ₹ -175.15 ₹ -22,896.67 ₹ -35,798.44

Loan 1200
Rate 2% PM
Tenure 6 Month 24
EMI 214

Month Opening Balance EMI Int Principal

1 1200 214.23 24 190.23
2 1009.77 214.23 20.20 194.03
3 815.74 214.23 16.31 197.92
4 617.82 214.23 12.36 201.87
5 415.95 214.23 8.32 205.91
6 210.04 214.23 4.20 210.03

Loan 8000
Rate 1.50% PM
Tenure 12 Months
EMI -733.44

Month Opening Balance EMI Int Principal

1.00 8000.00 733.44 120.00 613.44
2.00 7386.56 733.44 110.80 622.64
3.00 6763.92 733.44 101.46 631.98
4.00 6131.94 733.44 91.98 641.46
5.00 5490.48 733.44 82.36 651.08
6.00 4839.39 733.44 72.59 660.85
7.00 4178.54 733.44 62.68 670.76
8.00 3507.78 733.44 52.62 680.82
9.00 2826.96 733.44 42.40 691.04
10.00 2135.92 733.44 32.04 701.40
11.00 1434.52 733.44 21.52 711.92
12.00 722.60 733.44 10.84 722.60
 inflow

Inflow ₹ 29,333.00
(Future value of Lumsum) (Future value of annuaity )

3500000
0.92%
240
₹ -36,126.59

000 for 1st year

35 Lacs @11%
₹ -32,083.33 ₹ -36,126.59
₹ -32,046.27 ₹ -36,126.59
₹ -32,008.87 ₹ -36,126.59
₹ -31,971.12 ₹ -36,126.59
₹ -31,933.03 ₹ -36,126.59
₹ -31,894.59 ₹ -36,126.59
₹ -31,855.80 ₹ -36,126.59
₹ -31,816.65 ₹ -36,126.59
₹ -31,777.14 ₹ -36,126.59
₹ -31,737.27 ₹ -36,126.59
₹ -31,697.03 ₹ -36,126.59
₹ -31,656.43 ₹ -36,126.59
₹ -31,615.45 ₹ -36,126.59
₹ -31,574.10 ₹ -36,126.59
₹ -31,532.37 ₹ -36,126.59
₹ -31,490.25 ₹ -36,126.59
₹ -31,447.76 ₹ -36,126.59
₹ -31,404.87 ₹ -36,126.59
₹ -31,361.58 ₹ -36,126.59
₹ -31,317.90 ₹ -36,126.59
₹ -31,273.82 ₹ -36,126.59
₹ -31,229.34 ₹ -36,126.59
₹ -31,184.45 ₹ -36,126.59
₹ -31,139.15 ₹ -36,126.59
₹ -31,093.43 ₹ -36,126.59
₹ -31,047.29 ₹ -36,126.59
₹ -31,000.73 ₹ -36,126.59
₹ -30,953.74 ₹ -36,126.59
₹ -30,906.33 ₹ -36,126.59
₹ -30,858.47 ₹ -36,126.59
₹ -30,810.18 ₹ -36,126.59
₹ -30,761.45 ₹ -36,126.59
₹ -30,712.27 ₹ -36,126.59
₹ -30,662.64 ₹ -36,126.59
₹ -30,612.55 ₹ -36,126.59
₹ -30,562.00 ₹ -36,126.59
₹ -30,511.00 ₹ -36,126.59
₹ -30,459.52 ₹ -36,126.59
₹ -30,407.57 ₹ -36,126.59
₹ -30,355.15 ₹ -36,126.59
₹ -30,302.24 ₹ -36,126.59
₹ -30,248.85 ₹ -36,126.59
₹ -30,194.97 ₹ -36,126.59
₹ -30,140.60 ₹ -36,126.59
₹ -30,085.73 ₹ -36,126.59
₹ -30,030.35 ₹ -36,126.59
₹ -29,974.47 ₹ -36,126.59
₹ -29,918.08 ₹ -36,126.59
₹ -29,861.17 ₹ -36,126.59
₹ -29,803.73 ₹ -36,126.59
₹ -29,745.77 ₹ -36,126.59
₹ -29,687.28 ₹ -36,126.59
₹ -29,628.25 ₹ -36,126.59
₹ -29,568.69 ₹ -36,126.59
₹ -29,508.57 ₹ -36,126.59
₹ -29,447.91 ₹ -36,126.59
₹ -29,386.69 ₹ -36,126.59
₹ -29,324.90 ₹ -36,126.59
₹ -29,262.55 ₹ -36,126.59
₹ -29,199.63 ₹ -36,126.59
₹ -29,136.14 ₹ -36,126.59
₹ -29,072.06 ₹ -36,126.59
₹ -29,007.39 ₹ -36,126.59
₹ -28,942.13 ₹ -36,126.59
₹ -28,876.27 ₹ -36,126.59
₹ -28,809.81 ₹ -36,126.59
₹ -28,742.74 ₹ -36,126.59
₹ -28,675.06 ₹ -36,126.59
₹ -28,606.75 ₹ -36,126.59
₹ -28,537.82 ₹ -36,126.59
₹ -28,468.26 ₹ -36,126.59
₹ -28,398.05 ₹ -36,126.59
₹ -28,327.21 ₹ -36,126.59
₹ -28,255.72 ₹ -36,126.59
₹ -28,183.57 ₹ -36,126.59
₹ -28,110.75 ₹ -36,126.59
₹ -28,037.28 ₹ -36,126.59
₹ -27,963.12 ₹ -36,126.59
₹ -27,888.29 ₹ -36,126.59
₹ -27,812.77 ₹ -36,126.59
₹ -27,736.56 ₹ -36,126.59
₹ -27,659.66 ₹ -36,126.59
₹ -27,582.04 ₹ -36,126.59
₹ -27,503.72 ₹ -36,126.59
₹ -27,424.67 ₹ -36,126.59
₹ -27,344.91 ₹ -36,126.59
₹ -27,264.41 ₹ -36,126.59
₹ -27,183.17 ₹ -36,126.59
₹ -27,101.19 ₹ -36,126.59
₹ -27,018.46 ₹ -36,126.59
₹ -26,934.97 ₹ -36,126.59
₹ -26,850.71 ₹ -36,126.59
₹ -26,765.68 ₹ -36,126.59
₹ -26,679.87 ₹ -36,126.59
₹ -26,593.28 ₹ -36,126.59
₹ -26,505.89 ₹ -36,126.59
₹ -26,417.70 ₹ -36,126.59
₹ -26,328.70 ₹ -36,126.59
₹ -26,238.89 ₹ -36,126.59
₹ -26,148.25 ₹ -36,126.59
₹ -26,056.78 ₹ -36,126.59
₹ -25,964.47 ₹ -36,126.59
₹ -25,871.32 ₹ -36,126.59
₹ -25,777.31 ₹ -36,126.59
₹ -25,682.45 ₹ -36,126.59
₹ -25,586.71 ₹ -36,126.59
₹ -25,490.09 ₹ -36,126.59
₹ -25,392.59 ₹ -36,126.59
₹ -25,294.20 ₹ -36,126.59
₹ -25,194.90 ₹ -36,126.59
₹ -25,094.69 ₹ -36,126.59
₹ -24,993.57 ₹ -36,126.59
₹ -24,891.51 ₹ -36,126.59
₹ -24,788.53 ₹ -36,126.59
₹ -24,684.59 ₹ -36,126.59
₹ -24,579.71 ₹ -36,126.59
₹ -24,473.86 ₹ -36,126.59
₹ -24,367.04 ₹ -36,126.59
₹ -24,259.25 ₹ -36,126.59
₹ -24,150.46 ₹ -36,126.59
₹ -24,040.68 ₹ -36,126.59
₹ -23,929.90 ₹ -36,126.59
₹ -23,818.09 ₹ -36,126.59
₹ -23,705.27 ₹ -36,126.59
₹ -23,591.40 ₹ -36,126.59
₹ -23,476.50 ₹ -36,126.59
₹ -23,360.54 ₹ -36,126.59
₹ -23,243.52 ₹ -36,126.59
₹ -23,125.42 ₹ -36,126.59
₹ -23,006.24 ₹ -36,126.59
₹ -22,885.97 ₹ -36,126.59
₹ -22,764.60 ₹ -36,126.59
₹ -22,642.12 ₹ -36,126.59
₹ -22,518.51 ₹ -36,126.59
₹ -22,393.77 ₹ -36,126.59
₹ -22,267.88 ₹ -36,126.59
₹ -22,140.85 ₹ -36,126.59
₹ -22,012.64 ₹ -36,126.59
₹ -21,883.26 ₹ -36,126.59
₹ -21,752.70 ₹ -36,126.59
₹ -21,620.94 ₹ -36,126.59
₹ -21,487.97 ₹ -36,126.59
₹ -21,353.78 ₹ -36,126.59
₹ -21,218.37 ₹ -36,126.59
₹ -21,081.71 ₹ -36,126.59
₹ -20,943.80 ₹ -36,126.59
₹ -20,804.62 ₹ -36,126.59
₹ -20,664.17 ₹ -36,126.59
₹ -20,522.43 ₹ -36,126.59
₹ -20,379.39 ₹ -36,126.59
₹ -20,235.04 ₹ -36,126.59
₹ -20,089.37 ₹ -36,126.59
₹ -19,942.36 ₹ -36,126.59
₹ -19,794.01 ₹ -36,126.59
₹ -19,644.29 ₹ -36,126.59
₹ -19,493.20 ₹ -36,126.59
₹ -19,340.73 ₹ -36,126.59
₹ -19,186.86 ₹ -36,126.59
₹ -19,031.58 ₹ -36,126.59
₹ -18,874.88 ₹ -36,126.59
₹ -18,716.73 ₹ -36,126.59
₹ -18,557.14 ₹ -36,126.59
₹ -18,396.09 ₹ -36,126.59
₹ -18,233.56 ₹ -36,126.59
₹ -18,069.54 ₹ -36,126.59
₹ -17,904.02 ₹ -36,126.59
₹ -17,736.98 ₹ -36,126.59
₹ -17,568.41 ₹ -36,126.59
₹ -17,398.29 ₹ -36,126.59
₹ -17,226.61 ₹ -36,126.59
₹ -17,053.36 ₹ -36,126.59
₹ -16,878.53 ₹ -36,126.59
₹ -16,702.09 ₹ -36,126.59
₹ -16,524.03 ₹ -36,126.59
₹ -16,344.34 ₹ -36,126.59
₹ -16,163.00 ₹ -36,126.59
₹ -15,980.00 ₹ -36,126.59
₹ -15,795.32 ₹ -36,126.59
₹ -15,608.95 ₹ -36,126.59
₹ -15,420.88 ₹ -36,126.59
₹ -15,231.07 ₹ -36,126.59
₹ -15,039.53 ₹ -36,126.59
₹ -14,846.23 ₹ -36,126.59
₹ -14,651.16 ₹ -36,126.59
₹ -14,454.31 ₹ -36,126.59
₹ -14,255.64 ₹ -36,126.59
₹ -14,055.16 ₹ -36,126.59
₹ -13,852.84 ₹ -36,126.59
₹ -13,648.66 ₹ -36,126.59
₹ -13,442.61 ₹ -36,126.59
₹ -13,234.68 ₹ -36,126.59
₹ -13,024.83 ₹ -36,126.59
₹ -12,813.07 ₹ -36,126.59
₹ -12,599.36 ₹ -36,126.59
₹ -12,383.69 ₹ -36,126.59
₹ -12,166.05 ₹ -36,126.59
₹ -11,946.41 ₹ -36,126.59
₹ -11,724.76 ₹ -36,126.59
₹ -11,501.08 ₹ -36,126.59
₹ -11,275.34 ₹ -36,126.59
₹ -11,047.54 ₹ -36,126.59
₹ -10,817.65 ₹ -36,126.59
₹ -10,585.65 ₹ -36,126.59
₹ -10,351.53 ₹ -36,126.59
₹ -10,115.25 ₹ -36,126.59
₹ -9,876.82 ₹ -36,126.59
₹ -9,636.19 ₹ -36,126.59
₹ -9,393.37 ₹ -36,126.59
₹ -9,148.31 ₹ -36,126.59
₹ -8,901.01 ₹ -36,126.59
₹ -8,651.44 ₹ -36,126.59
₹ -8,399.59 ₹ -36,126.59
₹ -8,145.42 ₹ -36,126.59
₹ -7,888.93 ₹ -36,126.59
₹ -7,630.08 ₹ -36,126.59
₹ -7,368.86 ₹ -36,126.59
₹ -7,105.25 ₹ -36,126.59
₹ -6,839.22 ₹ -36,126.59
₹ -6,570.76 ₹ -36,126.59
₹ -6,299.83 ₹ -36,126.59
₹ -6,026.42 ₹ -36,126.59
₹ -5,750.50 ₹ -36,126.59
₹ -5,472.05 ₹ -36,126.59
₹ -5,191.05 ₹ -36,126.59
₹ -4,907.47 ₹ -36,126.59
₹ -4,621.30 ₹ -36,126.59
₹ -4,332.50 ₹ -36,126.59
₹ -4,041.05 ₹ -36,126.59
₹ -3,746.94 ₹ -36,126.59
₹ -3,450.12 ₹ -36,126.59
₹ -3,150.59 ₹ -36,126.59
₹ -2,848.31 ₹ -36,126.59
₹ -2,543.26 ₹ -36,126.59
₹ -2,235.41 ₹ -36,126.59
₹ -1,924.74 ₹ -36,126.59
₹ -1,611.22 ₹ -36,126.59
₹ -1,294.83 ₹ -36,126.59
 ₹ -975.54 ₹ -36,126.59
₹ -653.32 ₹ -36,126.59
₹ -328.15 ₹ -36,126.59

Closing Balance
1009.77
815.74
617.82
415.95
210.04
0.01

Closing Balance
7386.56
6763.92
6131.94
5490.48
4839.39
4178.54
3507.78
2826.96
2135.92
1434.52
722.60
0.00
Loan 800000 800000
Rate 8.00% PA 0.0066666667
Tenure 5 Years 60
EMI 16221.12 16221.12

Month
1 ₹ -10,887.78 ₹ -5,333.33 ₹ -16,221.12 1.00
2 ₹ -10,960.37 ₹ -5,260.75 ₹ -16,221.12 2.00
3 ₹ -11,033.44 ₹ -5,187.68 ₹ -16,221.12 3.00
4 ₹ -11,106.99 ₹ -5,114.12 ₹ -16,221.12 4.00
5 ₹ -11,181.04 ₹ -5,040.08 ₹ -16,221.12 5.00
6 ₹ -11,255.58 ₹ -4,965.54 ₹ -16,221.12 6.00
7 ₹ -11,330.62 ₹ -4,890.50 ₹ -16,221.12 7.00
8 ₹ -11,406.15 ₹ -4,814.96 ₹ -16,221.12 8.00
9 ₹ -11,482.20 ₹ -4,738.92 ₹ -16,221.12 9.00
10 ₹ -11,558.74 ₹ -4,662.37 ₹ -16,221.12 10.00
11 ₹ -11,635.80 ₹ -4,585.31 ₹ -16,221.12 11.00
12 ₹ -11,713.37 ₹ -4,507.74 ₹ -16,221.12 12.00
13 ₹ -11,791.46 ₹ -4,429.65 ₹ -16,221.12 13.00
14 ₹ -11,870.07 ₹ -4,351.04 ₹ -16,221.12 14.00
15 ₹ -11,949.21 ₹ -4,271.91 ₹ -16,221.12 15.00
16 ₹ -12,028.87 ₹ -4,192.25 ₹ -16,221.12 16.00
17 ₹ -12,109.06 ₹ -4,112.06 ₹ -16,221.12 17.00
18 ₹ -12,189.79 ₹ -4,031.33 ₹ -16,221.12 18.00
19 ₹ -12,271.05 ₹ -3,950.06 ₹ -16,221.12 19.00
20 ₹ -12,352.86 ₹ -3,868.26 ₹ -16,221.12 20.00
21 ₹ -12,435.21 ₹ -3,785.90 ₹ -16,221.12 21.00
22 ₹ -12,518.11 ₹ -3,703.00 ₹ -16,221.12 22.00
23 ₹ -12,601.57 ₹ -3,619.55 ₹ -16,221.12 23.00
24 ₹ -12,685.58 ₹ -3,535.54 ₹ -16,221.12 24.00
25 ₹ -12,770.15 ₹ -3,450.97 ₹ -16,221.12 25.00
26 ₹ -12,855.28 ₹ -3,365.83 ₹ -16,221.12 26.00
27 ₹ -12,940.98 ₹ -3,280.13 ₹ -16,221.12 27.00
28 ₹ -13,027.26 ₹ -3,193.86 ₹ -16,221.12 28.00
29 ₹ -13,114.11 ₹ -3,107.01 ₹ -16,221.12 29.00
30 ₹ -13,201.53 ₹ -3,019.58 ₹ -16,221.12 30.00
31 ₹ -13,289.54 ₹ -2,931.57 ₹ -16,221.12 31.00
32 ₹ -13,378.14 ₹ -2,842.97 ₹ -16,221.12 32.00
33 ₹ -13,467.33 ₹ -2,753.79 ₹ -16,221.12 33.00
34 ₹ -13,557.11 ₹ -2,664.01 ₹ -16,221.12 34.00
35 ₹ -13,647.49 ₹ -2,573.62 ₹ -16,221.12 35.00
36 ₹ -13,738.47 ₹ -2,482.64 ₹ -16,221.12 36.00
37 ₹ -13,830.06 ₹ -2,391.05 ₹ -16,221.12 37.00
38 ₹ -13,922.26 ₹ -2,298.85 ₹ -16,221.12 38.00
39 ₹ -14,015.08 ₹ -2,206.04 ₹ -16,221.12 39.00
40 ₹ -14,108.51 ₹ -2,112.60 ₹ -16,221.12 40.00
41 ₹ -14,202.57 ₹ -2,018.55 ₹ -16,221.12 41.00
42 ₹ -14,297.25 ₹ -1,923.86 ₹ -16,221.12 42.00
43 ₹ -14,392.57 ₹ -1,828.55 ₹ -16,221.12 43.00
44 ₹ -14,488.52 ₹ -1,732.60 ₹ -16,221.12 44.00
45 ₹ -14,585.11 ₹ -1,636.01 ₹ -16,221.12 45.00
46 ₹ -14,682.34 ₹ -1,538.77 ₹ -16,221.12 46.00
47 ₹ -14,780.23 ₹ -1,440.89 ₹ -16,221.12 47.00
48 ₹ -14,878.76 ₹ -1,342.35 ₹ -16,221.12 48.00
49 ₹ -14,977.95 ₹ -1,243.16 ₹ -16,221.12 49.00
50 ₹ -15,077.81 ₹ -1,143.31 ₹ -16,221.12 50.00
51 ₹ -15,178.32 ₹ -1,042.79 ₹ -16,221.12 51.00
52 ₹ -15,279.51 ₹ -941.60 ₹ -16,221.12 52.00
53 ₹ -15,381.38 ₹ -839.74 ₹ -16,221.12 53.00
54 ₹ -15,483.92 ₹ -737.20 ₹ -16,221.12 54.00
55 ₹ -15,587.15 ₹ -633.97 ₹ -16,221.12 55.00
56 ₹ -15,691.06 ₹ -530.06 ₹ -16,221.12 56.00
57 ₹ -15,795.67 ₹ -425.45 ₹ -16,221.12 57.00
58 ₹ -15,900.97 ₹ -320.14 ₹ -16,221.12 58.00
59 ₹ -16,006.98 ₹ -214.14 ₹ -16,221.12 59.00
60 ₹ -16,113.69 ₹ -107.42 ₹ -16,221.12 60.00
Opening Balance EMI Int Principal Closing Balance
800000.00 16221.12 5333.33 10887.79 789112.21
789112.21 16221.12 5260.75 10960.37 778151.84
778151.84 16221.12 5187.68 11033.44 767118.40
767118.40 16221.12 5114.12 11107.00 756011.40
756011.40 16221.12 5040.08 11181.04 744830.36
744830.36 16221.12 4965.54 11255.58 733574.77
733574.77 16221.12 4890.50 11330.62 722244.15
722244.15 16221.12 4814.96 11406.16 710837.99
710837.99 16221.12 4738.92 11482.20 699355.79
699355.79 16221.12 4662.37 11558.75 687797.05
687797.05 16221.12 4585.31 11635.81 676161.24
676161.24 16221.12 4507.74 11713.38 664447.86
664447.86 16221.12 4429.65 11791.47 652656.39
652656.39 16221.12 4351.04 11870.08 640786.32
640786.32 16221.12 4271.91 11949.21 628837.11
628837.11 16221.12 4192.25 12028.87 616808.23
616808.23 16221.12 4112.05 12109.07 604699.17
604699.17 16221.12 4031.33 12189.79 592509.38
592509.38 16221.12 3950.06 12271.06 580238.32
580238.32 16221.12 3868.26 12352.86 567885.45
567885.45 16221.12 3785.90 12435.22 555450.24
555450.24 16221.12 3703.00 12518.12 542932.12
542932.12 16221.12 3619.55 12601.57 530330.55
530330.55 16221.12 3535.54 12685.58 517644.96
517644.96 16221.12 3450.97 12770.15 504874.81
504874.81 16221.12 3365.83 12855.29 492019.52
492019.52 16221.12 3280.13 12940.99 479078.53
479078.53 16221.12 3193.86 13027.26 466051.27
466051.27 16221.12 3107.01 13114.11 452937.16
452937.16 16221.12 3019.58 13201.54 439735.62
439735.62 16221.12 2931.57 13289.55 426446.07
426446.07 16221.12 2842.97 13378.15 413067.92
413067.92 16221.12 2753.79 13467.33 399600.59
399600.59 16221.12 2664.00 13557.12 386043.47
386043.47 16221.12 2573.62 13647.50 372395.98
372395.98 16221.12 2482.64 13738.48 358657.49
358657.49 16221.12 2391.05 13830.07 344827.42
344827.42 16221.12 2298.85 13922.27 330905.15
330905.15 16221.12 2206.03 14015.09 316890.07
316890.07 16221.12 2112.60 14108.52 302781.55
302781.55 16221.12 2018.54 14202.58 288578.97
288578.97 16221.12 1923.86 14297.26 274281.71
274281.71 16221.12 1828.54 14392.58 259889.14
259889.14 16221.12 1732.59 14488.53 245400.61
245400.61 16221.12 1636.00 14585.12 230815.50
230815.50 16221.12 1538.77 14682.35 216133.15
216133.15 16221.12 1440.89 14780.23 201352.91
201352.91 16221.12 1342.35 14878.77 186474.15
186474.15 16221.12 1243.16 14977.96 171496.19
171496.19 16221.12 1143.31 15077.81 156418.37
156418.37 16221.12 1042.79 15178.33 141240.04
141240.04 16221.12 941.60 15279.52 125960.52
125960.52 16221.12 839.74 15381.38 110579.14
110579.14 16221.12 737.19 15483.93 95095.22
95095.22 16221.12 633.97 15587.15 79508.06
79508.06 16221.12 530.05 15691.07 63817.00
63817.00 16221.12 425.45 15795.67 48021.32
48021.32 16221.12 320.14 15900.98 32120.35
32120.35 16221.12 214.14 16006.98 16113.36
16113.36 16221.12 107.42 16113.70 -0.34
Nominal ROI 8%
Effective ROI 0.0829995068 Monthly
Effective ROI 0.08243216 Quaterly
Effective ROI 0.0816 Semi- Annually
Effective ROI 0.0832774399 Daily

Monthly Quaterly Semi- Annually Daily Annually

Principal -1000 -1000 -1000 -1000 -1000
Nominal Rate 0.08 0.08 0.08 0.08 0.08
Effective ROI 0.0829995068 0.08243216 0.0816 0.0832774399 0.08
Time 2 2 2 2 2
FV(Lumsum) ₹ 1,172.89 ₹ 1,171.66 ₹ 1,169.86 ₹ 1,173.49 ₹ 1,166.40
FV(annuity) ₹ 2,083.00 ₹ 2,082.43 ₹ 2,081.60 ₹ 2,083.28 ₹ 2,080.00

Annually Semi- Annually Quaterly Monthly Daily

Principal -20000 -20000 -20000 -20000 -20000
Nominal Rate 0.075 0.075 0.075 0.075 0.075
Effective ROI 0.075 0.07640625 0.077135865784 0.0776325989 0.0778757311
Time 5 5 5 5 5
FV(Lumsum) ₹ 28,712.59 ₹ 28,900.88 ₹ 28,998.96 ₹ 29,065.89 ₹ 29,098.69
FV(annuity) ₹ 116,167.82 ₹ 116,494.12 ₹ 116,663.76 ₹ 116,779.40 ₹ 116,836.04
 -800 -5000 -5000 -7000000
300 1000 1000 2000000
300 800 800 1000000
400 1200 1200 1500000
400 1100 1100 1200000
1400 1400 1300000
1400000
1700000
1600000
ROI 8% ROI 10% 8% ROI 7%
Reinvestment 8%
NPV ₹ 320.86 NPV ₹ -825.06 ₹ -624.31 NPV ₹ 1,618,849.49
IRR 25.04% IRR 3.05% 3.05% IRR 13.13%
MIRR 4.92%

Prob 1 -1000 8/17/2017

300 12/30/2017
400 12/30/2018
400 12/30/2019
400 12/30/2020
Discount Rate 10%
Reinvestment rat 3%

NPV ₹ 160.94
XNPV 249.8183284
IRR 17.57%
XIRR 24.64%
MIRR 11.83% When inflows reinvest with interest rate then 11.83% of IRR
MIRR 14.58%

MIRR 1 to 10 years , we received some different different inflows

Reinvest them in same project 10%
REinvest them in other project 6% Other project
Reinvestment rate
MIRR PV FV

Prob 2 -50000 10/15/2017

4000 12/25/2017
5000 12/28/2018
10000 12/26/2019
4000 12/29/2020
Discount Rate 9%
Reinvestment rat 5.50%
NPV ₹ -28,959.94
XNPV -30250.0547
IRR -24.70%
XIRR -32.39%
MIRR(same) -15.06%
MIRR(other) -16.07%
1.83% of IRR
 Horizontal and vertical Analysis
Current Previous Common Size Stmt
Assets
Cash 120,000.00 100,000.00 20,000.00 20.00% 34.73%
Trade Receivable 45,000.00 30,000.00 15,000.00 50.00% 13.02%
Inventory 40,000.00 50,000.00 -10,000.00 -20.00% 11.58%
Prepaid expenses 5,500.00 5,000.00 500.00 10.00% 1.59%
Plant n Machinery 135,000.00 150,000.00 -15,000.00 -10.00% 39.07%
Total Assets 345,500.00 335,000.00 10,500.00 3.13% 100.00%

LIABILITIES
Creditors 30,000 25,000 5,000.00 20.00% 8.68%
Outstanding Salaries and Wages 16,500 15,000 1,500.00 10.00% 4.78%
Bills Payable 60,000 75,000 -15,000.00 -20.00% 17.37%
Total Liabilities 106,500 115,000 -8,500.00 -7.39% 30.82%
Equity Share Capital 189,000 175,000 14,000.00 8.00% 54.70%
Retained Earnings 50,000 45,000 5,000.00 11.11% 14.47%
Total Liabilities 345,500 335,000 10,500.00 3.13% 100.00%

Income Statement for the year ended

Current Year Last Year
Sales Revenue , Net 450,000 300,000 150,000.00 50.00% 100.00%
Cost of Goods Sold 315,000 180,000 135,000.00 75.00% 70.00%
Gross Profit 135,000 120,000 15,000.00 12.50% 30.00%
Operating Expenses 90,000 80,000 10,000.00 12.50% 20.00%
Income from Operations 45,000 40,000 5,000.00 12.50% 10.00%
Common Size Stmt Balance Sheet
Particulars 2009 2010
29.85% Assets
8.96% Land 50,000 50,000
14.93% Building 150,000 135,000
1.49% Plant  150,000 135,000
44.78% Furniture 50,000 70,000
100.00% Cash  50,000 70,000
Debtors 100,000 150,000
Stock 100,000 150,000
7.46% TOTAL ASSETS 650,000 760,000
4.48%
22.39% Liabilities
34.33% Capital 350,000 350,000
52.24% Reserves 100,000 122,500
13.43% Secured Loans 50,000 75,000
100.00% Creditors 100,000 137,500
Outstanding Expenses 50,000 75,000
TOTAL LIABILITIES 650,000 760,000

100.00% Income statement

60.00% Particulars 2009 2010
40.00% Net Sales 400,000 500,000
26.67% COGS 300,000 375,000
13.33% GP 100,000 125,000
Gen Exp 10,000 10,000
Selling Exp 15,000 20,000
NP 75,000 95,000
Sheet
Change Change %

0 0.00%
-15,000 -10.00%
-15,000 -10.00%
20,000 40.00%
20,000 40.00%
50,000 50.00%
50,000 50.00%
110,000 16.92%

0 0.00%
22,500 22.50%
25,000 50.00%
37,500 37.50%
25,000 50.00%
110,000 16.92%

atement
Change Change %
100,000 25.00%
75,000 25.00%
25,000 25.00%
0 0.00%
5,000 33.33%
20,000 26.67%
Trend Analysis
Base year
Particulars 2006 2005 2004 2003 2002 2001
Sales 1980 1496 1243 957 852 770
EBDIT 342 250 238 182 155 143

PAT 198 152 127 86 68 53

ESC 23 23 23 23 23 18
Equity Dividend(Rs.) 60 54 52 50 47 45
Reserves 900 750 650 550 482 440
Net worth
Gross FA 1783 1531 1000 947 875 803
Net FA 1188 1045 587 585 568 553

Particulars 2006 2005 2004 2003 2002 2001

Sales 257.14% 194.29% 161.43% 124.29% 110.65% 100.00%
EBDIT 239.16% 174.83% 166.43% 127.27% 108.39% 100.00%
PAT 373.58% 286.79% 239.62% 162.26% 128.30% 100.00%
ESC 127.78% 127.78% 127.78% 127.78% 127.78% 100.00%
Equity Dividend(Rs.) 133.33% 120.00% 115.56% 111.11% 104.44% 100.00%
Reserves 204.55% 170.45% 147.73% 125.00% 109.55% 100.00%
Net worth
Gross FA 222.04% 190.66% 124.53% 117.93% 108.97% 100.00%
Net FA 214.83% 188.97% 106.15% 105.79% 102.71% 100.00%
 Sales(Rs. In PAT(Rs. In
Years thosands) thosands)
2010 1000 150
2011 1200 185
2012 1500 210
2013 2000 220
2014 2900 240

Trend Analysis

Years Sales PAT

2010 100.00% 100.00%
2011 120.00% 123.33%
2012 150.00% 140.00%
2013 200.00% 146.67%
2014 290.00% 160.00%
 Current Previous
Assets
Cash 120,000.00 100,000.00 34.73% 29.85%
Trade Receivable 45,000.00 30,000.00 13.02% 8.96%
Inventory 40,000.00 50,000.00 11.58% 14.93%
Prepaid expenses 5,500.00 5,000.00 1.59% 1.49%
Plant n Machinery 135,000.00 150,000.00 39.07% 44.78%
Total Assets 345,500.00 335,000.00 100.00% 100.00%

LIABILITIES
Creditors 30,000 25,000 8.68% 7.46%
Outstanding Salaries and Wages 16,500 15,000 4.78% 4.48%
Bills Payable 60,000 75,000 17.37% 22.39%
Total Liabilities 106,500 115,000 30.82% 34.33%
Equity Share Capital 189,000 175,000 54.70% 52.24%
Retained Earnings 50,000 45,000 14.47% 13.43%
Total Liabilities 345,500 335,000 100.00% 100.00%

Income Statement for the year ended

Current Year Last Year
Sales Revenue , Net 450,000 300,000 100.00% 100.00%
Cost of Goods Sold 315,000 180,000 70.00% 60.00%
Gross Profit 135,000 120,000 30.00% 40.00%
Operating Expenses 90,000 80,000 20.00% 26.67%
Income from Operations 45,000 40,000 10.00% 13.33%
103.45 106
2.55 127.5
Opening Stock 30,000.00 60,000.00
Sales 960,000.00 450,000.00
Return outward 4,000.00 6,000.00
Closing stock 45,000.00 100,000.00
Credit Purchases 146,000.00 60,000.00
Cash Purchses 116,800.00 40,000.00
Carriage outward 10,000.00
Interest on bank o 5,000.00
10% deb 200,000.00 2,000,000.00
Cash Flow Stmt

Incomes Expenses
Inflow is happened Outflow is happened
Sources Application

We analyze the impact of any transaction in cash balance

3 major compenents CFS

Start with Net income
1) Cash flow from operating activities
2) Cash flow from finacial activities
3) Cash flow from investment activities

Opening Balance + CF from OA+ CF from FA+ CF from IA

If the amt of debtors is increasing then dedct in CF

Anything which creates outflow
Anything which creates inflow
Anything which doesn't creates outflow
Anything which does creates outflow

If the creditors incr then add it back

Stock decr the selling the stock add the difference

Sale of investment is act as non cash income which deducted

Reserve 98000 -96000 2000
Dividends 60000
Net income 62000
Add:
All Non-cash income n expenditure
Adding back of depreciation 180000
Less:
1) Cash flow in operating activities Add:
Debtors -6800 Add:
Stocks 6000
Current liabilities 10000
1) Cash flow in operating activities 9200
Less:
1) Cash flow in Investment activities Less:
Land & Building 30000
Machinary 30000

Add:
Less:

Add:
Problem 1
Particulars Amt Amt
Net Income 62000
Depreciation 18000 Add:
Less:
Operating Activites
Increase in Debtors -6800
Decrease in Stocks 6000
Increase in Current liabilities 10000 Add:
Cash flow in operating activities 9200 Add:
Add:
Investment Activities
Increase in L&B -30000
Increase in Machinery -30000
Cash flow in Investment activities -60000 Less:
Less:
Financial Activities
Increase in Loans 30000
Dividend Paid -60000
Cash flow from Financial activities -30000 Add:
Net Cash Flow during the year -800 Less:
Opening Cash Balance 8000
Closing Balance 7200
Add:
The company
Problem 2
Particulars Amt Amt
Net Income 405 General reserve 275
Depreciation 15 Net icome 405
Non Cash gain -40 Dividend paid 130
Cash flow before working capital changes 380

Operating Activites
Inventory 150
Decrease in Stocks 6000
Increase in Current liabilities 10000
Cash flow in operating activities 16150

Investment Activities
Increase in L&B -30000
Increase in Machinery -30000
Cash flow in Investment activities -60000

Financial Activities
Increase in Loans 30000
Dividend Paid -60000
Cash flow from Financial activities -30000
Net Cash Flow during the year -73470
Opening Cash Balance 8000
Closing Balance -65470

The company

During the year 2017, a dividend of $130 was declared a

 Problem 3
Income Statement Balance Sheet
Revenue 1000 Assets
COGS 600 Cash
Depreciation 50 Inventory
SG&A 200 PP&E
Operating Income 150 Total Assets
Interest Expenditure 90.7 Liabilities & Equity
Taxes 23.7 Debt@10%
Net Income 35.6 Retained Earnings
Total Liabilities abd Equity

d of $130 was declared and paid by management of Edison Corporation. Some plant assets were purchased during 2017 and the payment
 Year 1 Year 2 Problem 1
Particulars Amt Amt
100 100 Net Income 35.6
1000 400 Add: Depreciation 50
2000 2450
3100 2950 Operating Activites
Less: Increase in inventories 600
1000 814.4 Cash flow in operating activities 600
2100 2135.6
3100 2950 Investment Activities
Less: Increase in PP&E -500
Less: Increase in Machinery -30000
Cash flow in Investment activities -30500

Financial Activities
Add: Increase in Loans 30000
Less: Dividend Paid -60000
Cash flow from Financial activities -30000
Net Cash Flow during the year -59814.4
Add: Opening Cash Balance 8000
Closing Balance -51814.4

during 2017 and the payment was settled by issuing  common stock amounting to $35.
Y1-Y2

Net PPE add depericiation

Revenue 1000
COGS 600
Depreciation 50
SG&A 200

Particulars Year 1 Year 2

Cash 100 100
Inventory 1000 400
PP&E 2000 2450
Debt@10% 1000 1000 900
Retained Earnings 2100 2135.6 90

1. Debt has been redeemed

using all of the funds
generated from operating and
investing activities
2.Tax rate is 39.97%
3.Complete Income statement B/S & CFS
P&L Acct
Revenue 1000
Revenue
COGS
Gross profit

Depreciation 50
SG&A 200
EBIT
Interest
PBT
Tax
PAT

Balance Sheet
Assets Year 1
Cash 100
Inventory 1000
PP&E 2000

Total Assets 3100

Cash Flow

Problem 1
Particulars
Net Income
Add: Depreciation

Operating Activites
Less: Decrease in inventories
Cash flow in operating activities

Investment Activities
Less: Increase in PP&E
Less: Increase in Machinery
Cash flow in Investment activities

Financial Activities
Add: Increase in Loans
Less: Dividend Paid
Cash flow from Financial activities
Net Cash Flow during the year
Add: Opening Cash Balance
Closing Balance
Year 1 Year 2
1000
1000 1000
-600 -600
400 400

50
250 200 250
150 150
100 100
50 50
19.985 19.985
30.015 30.015

Year 2 Liabilities & Equity Year 1 Year 2

100 Debt 1000 814.4
400 Retained earnings 2100 2135.6
2450

2950 Total Liabilities 3100 2950

Amt Amt
30.015
50

600
600

-500
-30000
-30500

30000
-60000
-30000
-59819.985
8000
-51819.985
Input => Process =
Assumptions

Estimate of Business
Models No of units solPrice Commission
Pradoo 1 300000 4%
Fortunerr 12 2200000 4%
Camryy 1 200000 4%
Corolla 10 1200000 3%
Innovaa 50 1000000 3%
Etioss 50 700000 3%

Req of showroom
Space Sq ft Rent / sqft/month
Showroom 15000 150 2250000
Godown 30000 30 900000
3150000

Employee Cost
Staff No of employeSalary/remuration= per month Salary Expenditure
Manager 1 35000 35000
Sales 3 25000 75000
Admin 2 20000 40000
Godown 3 12000 36000
Monthly expenses on salary 186000
Annual expenses on salary 2232000

Calculation of revenue
Models No of units solPrice Commission
Pradoo 1 3,000,000.00 4%
Fortunerr 12 2,200,000.00 4%
Camryy 1 2,000,000.00 4%
Corolla 10 1,200,000.00 3%
Innovaa 50 1,000,000.00 3%
Etioss 50 700,000.00 3%
Monthly Revenue
Annual Revenue

Calculation of profit
Particulars Year 1 Year 2 Year 3
Revenue 49992000 54991200 60490320
 Y on Y growth 10% 10%
Costs
Salary 2232000 2455200 2700720
Y on Y growth 10% 10%
Maintenance 7498800 8248680 9073548
Rent-Showroom 27000000 27000000 27000000
Rent-Go down 10800000 10800000 10800000
Operating profit 2461200 6487320.00000001 10916052
Less: Interest expenditure 1391000 1391000 1391000
PBT 1070200 5096320.00000001 9525052.00000002
Less: Tax 374570 1783712 3333768.2
PAT 695630 3312608 6191283.80000001

Projection of Cashflow
Year 0 Year 1 Year 2 Year 3
-10,700,000.00 695,630.00 3,312,608.00 6,191,283.80

-10,700,000.00 695,630.00 3,312,608.00 6,191,283.80

214,000,000.00
107,000,000.00
Output

Investments
Deposite for showroom 13,500,000.00
Deposite for go down 5,400,000.00
Renovating 2,500,000.00
Total investment 21,400,000.00
10,700,000.00

Deposit
Deposite worth of 6 13,500,000.00
months rent to be 5,400,000.00

Increase in salary- 10%

Operation & mainta 15%

Capital Structure 1,391,000.00

Debt 50% 10,700,000.00
Equity 50% 10,700,000.00
Cost of debt 13% 1,391,000.00 904150
WACC 14.51635000%
CAPM

Revenue
120,000.00
1056000
80000
360000
1500000
1050000
4,166,000.00
49,992,000.00

Year 4 Year 5
66539352 73193287.2
 10% 10%

2970792 3267871.2
10% 10%
9980902.8 10978993.08
27000000 27000000
10800000 10800000
15787657.2 21146422.92
1391000 1391000
14396657.2 19755422.92
5038830.02000001 6914398.022
9357827.18000001 12841024.898

Year 4 Year 5
9,357,827.18 12,841,024.90 PAT
-10,700,000.00 Debt
18,900,000.00 Deposit
9,357,827.18 21,041,024.90
40%
CAPM 20.58%
Ke
Rf 4.24% Rate on security
Rm 23.93%
Beta 0.83
Models No of units sold Price Commission
Pradoo 1 3,000,000.00 4% 120,000.00
Fortunerr 12 2,200,000.00 4% 1,056,000.00
Camryy 1 2,000,000.00 4% 80,000.00
Corolla 10 1,200,000.00 3% 360,000.00
Innovaa 50 1,000,000.00 3% 1,500,000.00
Etioss 50 700,000.00 3% 1,050,000.00
Monthly 4,166,000.00
Annual 49,992,000.00

Shoroom 15000 2250000 13500000 27000000

Go down 30000 900000 5400000 10800000
Deposit
Salaries
Staff No of employee Salary/remuration= per month
Manager 1 35000 35000
Sales 3 25000 75000
Admin 2 20000 40000
Godown 3 12000 36000
186000
Debt / Equity 1:01
Debt

Income 2232000
Year 1 Year 2 Year 3 Year 4
Revenue 49,992,000.00 54991200 60490320 66539352

Expenses
Rent 27000000 27000000 27000000 27000000
Go down 10800000 10800000 10800000 10800000
Maintance 7,498,800.00 8,248,680.00 9,073,548.00 9,980,902.80
Salaries 2232000 2455200 2700720 2970792
Operatin profit 2,461,200.00 6,487,320.00 10,916,052.00 15,787,657.20
Interest expense 1,391,000.00 1,391,000.00 1,391,000.00 1,391,000.00
EBT 1,070,200.00 5,096,320.00 9,525,052.00 14,396,657.20
Tax 374,570.00 1,783,712.00 3,333,768.20 5,038,830.02
PAT 695,630.00 3,312,608.00 6,191,283.80 9,357,827.18
Year 5
73193287.2

27000000
10800000
10,978,993.08
3267871.2
21,146,422.92
1,391,000.00
19,755,422.92
6,914,398.02
12,841,024.90
Input => Process =
Assumptions

Investment 2,500,000.00

0 1 2
Completion Stage 25% 50%
Hard Cost 625,000 1,250,000
Soft Cost(Interest on Debt) - 30,000
Total Cost 625,000 1,280,000

Debt Equity Schedule

Debt 60% 375,000 768,000
Cumulative debt 375,000 1,143,000
Interest Exp 8% 30,000.00 91,440.00
Equity 40% 250,000 512,000
Cumulative Equity 250,000 762,000

Assumptions
Initial Sales Volumes 100000
Initial Sales Price Unit 125
Initial cost per unit 75
Growth in sales volumes 15%
Growth in sales price 20%
Growth in cost per unit 20%
S&A (% of revenue) 25%
Tax 30%
Depreciation 655,360 2,621,440
Working capital reqt(% of reven 10%

Income Statement
Revenue projection 1 2 3
Units sold 100000 115000 132250
Price 125 150 180
Cost per unit 75 90 108

Income Statement 1 2 3
Revenue 12,500,000 17,250,000 23,805,000
COGS 7,500,000 10,350,000 14,283,000
S&A 3,125,000 4,312,500 5,951,250
EBITDA 1,875,000 2,587,500 3,570,750
Depreciation 655,360 655,360 655,360
EBIT 1,219,640 1,932,140 2,915,390
Interest expense 125,829.12 125,829.12 125,829.12
Interest Income - 8,551.38 81,089.56
Net Interest Expense 125,829.12 117,277.74 44,739.56
PBT 1,093,810.88 1,814,862.26 2,870,650.44
Tax 328,143.26 544,458.68 861,195.13
PAT 765,667.62 1,270,403.58 2,009,455.31

Balance Sheet
1 2 3
Equity & Liabilities
Share holders Funds 1,814,243.62 3,084,647.20 5,094,102.51
Debt 1,572,864.00 1,572,864.00 1,572,864.00
Total Liabilities 3,387,107.62 4,657,511.20 6,666,966.51
Assets
Gross block of assets(PPE) 2,621,440.00 2,621,440.00 2,621,440.00
Less: Depreciation 655,360.00 655,360.00 655,360.00
Net PPE 1,966,080.00 1,310,720.00 655,360.00
Working capital 1,250,000.00 1,725,000.00 2,380,500.00
Cash 171,027.62 1,621,791.20 3,631,106.51
Total Assets 3,387,107.62 4,657,511.20 6,666,966.51

Cash Flow Statement

1 2 3
Net Income 765,667.62 1,270,403.58 2,009,455.31
Depreciation 655,360 655,360 655,360
Changes in working capital -1,250,000.00 -475,000.00 -655,500.00
Opening Cash Balance 171,027.62 1,621,791.20
Net Cash flow 171,027.62 1,621,791.20 3,631,106.51
 Output

3
25%
625,000
91,440
716,440

429,864
1,572,864
125,829.12
286,576
1,048,576

nt
4
152087.5
216
129.6

4
32,850,900
19,710,540
8,212,725
 4,927,635
655,360
4,272,275
125,829.12
181,555.33
-55,726.21
4,328,001.21
1,298,400.36
3,029,600.84

8,123,703.35
1,572,864.00
9,696,567.35

2,621,440.00
655,360.00
-
3,285,090.00
6,411,477.35
9,696,567.35

4
3,029,600.84
655,360
-904,590.00
3,631,106.51
6,411,477.35
Investment 5,000,000.00

Development Phase
- 100%
Completion Stage 25%
Hard Cost 1,250,000
Soft Cost(Interest on Debt) -
Total Cost 1,250,000

Debt Equity Schedule

Debt 70% 875,000
Cumulative debt 875,000
Interest Exp 8% 70,000.00
Equity 30% 375,000
Cumulative Equity 375,000

Assumptions
Initial Sales Volumes 150000
Initial Sales Price Unit 150
Initial cost per unit 90
Growth in sales volumes 15%
Growth in sales price 20%
Growth in cost per unit 18%
S&A (% of revenue) 30%
Tax 30%
Depreciation 1,303,480 5,213,920
Working capital reqt(% of reven 8%

Income Statement
Revenue projection Year 1 Year 2
Units sold 150000 172500
Price 150 180
Cost per unit 90 106.2

Income Statement Year 1 Year 2

Revenue 22,500,000 31,050,000
COGS 13,500,000 18,319,500
S&A 6,750,000 9,315,000
EBITDA 2,250,000 3,415,500
Depreciation 1,303,480 1,303,480
EBIT 946,520 2,112,020
Interest expense 291,979.52 291,979.52
Interest Income - -1,917.08
Net Interest Expense 291,979.52 293,896.60
PBT 654,540.48 1,818,123.40
Tax 196,362.14 545,437.02
PAT 458,178.34 1,272,686.38

Balance Sheet
Equity & Liabilities Year 1 Year 2
Share holders Funds 2,022,354.34 3,295,040.71
Debt 3,649,744.00 3,649,744.00
Total Liabilities 5,672,098.34 6,944,784.71
Assets Year 1 Year 2
Gross block of assets(PPE) 5,213,920.00 5,213,920.00
Less: Depreciation 1,303,480.00 1,303,480.00
Net PPE 3,910,440.00 2,606,960.00
Working capital 1,800,000.00 2,484,000.00
Cash -38,341.66 1,853,824.71
Total Assets 5,672,098.34 6,944,784.71

Cash Flow Statement

Particulars Year 1 Year 2
Net Income 458,178.34 1,272,686.38
Depreciation 1,303,480 1,303,480
Changes in working capital -1,800,000.00 -684,000.00
Finacial activity
a) Debt Repayment
Opening Balance -38,342

Net Cash Flow -38,341.66 1,853,824.71

Feasibility of the project

Present Value of Cash outflows

Particulars Year 4 Year 5
Cashflows -38,341.66 1,892,166.38
Pv Factor (10%) 0.683013455365071 0.620921323059155
DCF of Cashflows -26,187.87 1,174,886.45
Present Value of Cash inflows
Particulars Year 1 Year 2
Inflows -1,250,000 -1,320,000
Pv Factor (10%) 0.909090909090909 0.826446280991735
DCF of Cash Inflows -1,136,363.64 -1,090,909.09
PV of Cashflows 5,050,255.08
Initial Investment -4,213,688.96
NPV 836,566.12

Particulars Year 1 Year 2

Cash Flows -1,250,000 -1,320,000
Cumulative Cashflows -1,250,000 -2,570,000
DCF of Cash Inflows -1,136,363.64 -1,090,909.09
Cumulative DCF -1,136,363.64 -2,227,272.73

NPV ₹ 836,566.12
IRR 15.06%
Payback period 6
Discounted Payback period 6

Analysis
The project is accepted as the positive NPV
Also, The payback period is 5 years to recover the initial cost of an investment.

Cash infloe
-80000 -80000
-80000 160000
1
 Development Phase
200% 300%
25% 50%
1,250,000 2,500,000
70,000 143,920
1,320,000 2,643,920

Debt Equity Schedule

924,000 1,850,744
1,799,000 3,649,744
143,920.00 291,979.52
396,000 793,176
771,000 1,564,176

ment
Year 3 Year 4
198375 228131.25
216 259.2
125.316 147.87288

Year 3 Year 4
42,849,000 59,131,620
24,859,562 33,734,425
12,854,700 17,739,486
5,134,739 7,657,709
1,303,480 1,303,480
3,831,259 6,354,229
291,979.52 291,979.52
92,691.24 237,788.19
 199,288.28 54,191.33
3,631,970.22 6,300,037.72
1,089,591.06 1,890,011.32
2,542,379.15 4,410,026.40

eet
Year 3 Year 4
5,837,419.86 10,247,446.27
3,649,744.00 -
9,487,163.86 10,247,446.27
Year 3 Year 4
5,213,920.00 5,213,920.00
1,303,480.00 1,303,480.00
1,303,480.00 -
3,427,920.00 4,730,529.60
4,755,763.86 5,516,916.67
9,487,163.86 10,247,446.27

ement
Year 3 Year 4
2,542,379.15 4,410,026.40
1,303,480 1,303,480
-943,920.00 -1,302,609.60

-3,649,744
1,853,825 4,755,764

4,755,763.86 5,516,916.67

e project

Year 6 Year 7
2,901,939.15 4,410,896.80
0.564473930053777 0.513158118230707
1,638,069.00 2,263,487.50

Year 3
-2,643,920
0.751314800901578
-1,986,416.23
 Year 3 Year 4 Year 5 Year 6 Year 7
-2,643,920 -38,341.66 1,892,166.38 2,901,939.15 4,410,896.80
-5,213,920 -5,252,262 -3,360,095 -458,156 3,952,741
-1,986,416.23 -26,187.87 1,174,886.45 1,638,069.00 2,263,487.50
-4,213,688.96 -4,239,876.83 -3,064,990.38 -1,426,921.38 836,566.12

nvestment.

-80000 -80000
80000 0
Quantitative Data
Industry Data
Economic Data

Investors presentation
 Problem 1
Particulars Amt 2,006.00 Amt
Net Income 215.00
Add: Depreciation -782.00

Operating Activites
Less: Increase in inventories 1,376.00 3,532.00
Less: Increase in Administrative Expenses 500.00 602.00
Less: Increase in Selling Expense 600.00 883.00
Add: Interest Expenses 510.00 1,059.00
Add: Increase in current liabilities 1,000.00 2,637.00
Less: Decrease in accured Libility -32.00 -39.00

Cash flow in operating activities 3,954.00

Investment Activities
Less: Increase in PP&E -904.00 -2,111.00
Less: Increase in Land - -
Cash flow in Investment activities -904.00

Financial Activities
Add: Increase in Short term loans 1,000.00 1,200.00
Add: Increase in Long term loans 1,030.00 3,025.00
Cash flow from Financial activities 2,030.00
Net Cash Flow during the year 4,513.00
Add: Opening Cash Balance 25.00
Closing Balance 4,538.00
 2,007.00
554.00
1,273.00

8,674.00

-2,111.00

4,225.00
12,615.00
2.00
12,617.00
 Cash Flow Stmt

Net Income 60000

Add Reserves 2000
Add Depreciation 18000
80000
Operating Activities
Current liabilities 10000
Debtors -6800
Stocks 6000
9200

Financial Activities
dividend paid -60000
Proceeds of loans 30000
-30000
Investment Activities
Purchase of land -30000
Purchase of Machinary -30000
-60000

-800
Opening 8000
Closing 7200
No PAT 600
One expentidure 100
One Income -200
Depreciation 100
600
5%

Year 1 Year 2 Year 3

FCFF 630 661.5 694.575 PV
Working capital -50 -30 10 Net FCFF
Capex plan -50 -50 -20
PV of Annuity factor
Net FCFF 530 581.5 684.575
PV 0.925926 0.857339 0.793832 Enterprise Value
PV of Net FCFF 490.7407 498.5425 543.4377 Debt
Equity Value
PV of Annuity factorA*(1+g)/r-g

PV of Annuity factor 11194.82

Enterprise value 12727.54

Debt -200
Equity Value 12527.54
 PAT 50
Interest ex 150
Dep 100

300

1 2 3 4 5
Year 1 Year 2 Year 3 Year 4 Year 5 EBT
570 644.1 727.833 822.4513 929.37
0.922509 0.851023 0.785077 0.724241 0.668119
525.8303 548.1441 571.4048 595.6526 620.9294

7687.657

10549.62
-2000
8549.618