Loan Amortization Template

Enter Values Here Summary of Loan

Loan Amount ₹ 4,600,000 Scheduled Payment ₹ 39,663
Scheduled Number of
Annual Interest Rate 9.20 % Payments 288
Loan Period in Years 24 ctual Number of Payments 288
Number of Payments Per Total Early Payments
Year 12 ₹ -
Start Date of Loan 8/3/2016 Total Interest ₹ 6,823,042
Optional Extra Payments

Lender SBI BANK

Cumulative
No. of Date of Starting Scheduled Extra Principal Interest Balance to Interest
Pmts Payment Balance Payment Payment Total Payment Amount Amount Pay Amount
1 9/3/2016 ₹ 4,600,000 ₹ 39,663 ₹ 39,663 ₹ 4,397 ₹ 35,267 ₹ 4,595,603 ₹ 35,267
2 10/3/2016 ₹ 4,595,603 ₹ 39,663 ₹ 39,663 ₹ 4,430 ₹ 35,233 ₹ 4,591,173 ₹ 70,500
3 11/3/2016 ₹ 4,591,173 ₹ 39,663 ₹ 39,663 ₹ 4,464 ₹ 35,199 ₹ 4,586,709 ₹ 105,699
4 12/3/2016 ₹ 4,586,709 ₹ 39,663 ₹ 39,663 ₹ 4,499 ₹ 35,165 ₹ 4,582,210 ₹ 140,863
5 1/3/2017 ₹ 4,582,210 ₹ 39,663 ₹ 39,663 ₹ 4,533 ₹ 35,130 ₹ 4,577,677 ₹ 175,994
6 2/3/2017 ₹ 4,577,677 ₹ 39,663 ₹ 39,663 ₹ 4,568 ₹ 35,096 ₹ 4,573,109 ₹ 211,089
7 3/3/2017 ₹ 4,573,109 ₹ 39,663 ₹ 39,663 ₹ 4,603 ₹ 35,061 ₹ 4,568,506 ₹ 246,150
8 4/3/2017 ₹ 4,568,506 ₹ 39,663 ₹ 39,663 ₹ 4,638 ₹ 35,025 ₹ 4,563,868 ₹ 281,175
9 5/3/2017 ₹ 4,563,868 ₹ 39,663 ₹ 39,663 ₹ 4,674 ₹ 34,990 ₹ 4,559,194 ₹ 316,165
10 6/3/2017 ₹ 4,559,194 ₹ 39,663 ₹ 39,663 ₹ 4,710 ₹ 34,954 ₹ 4,554,485 ₹ 351,118
11 7/3/2017 ₹ 4,554,485 ₹ 39,663 ₹ 39,663 ₹ 4,746 ₹ 34,918 ₹ 4,549,739 ₹ 386,036
12 8/3/2017 ₹ 4,549,739 ₹ 39,663 ₹ 39,663 ₹ 4,782 ₹ 34,881 ₹ 4,544,957 ₹ 420,917
13 9/3/2017 ₹ 4,544,957 ₹ 39,663 ₹ 39,663 ₹ 4,819 ₹ 34,845 ₹ 4,540,139 ₹ 455,762
14 10/3/2017 ₹ 4,540,139 ₹ 39,663 ₹ 39,663 ₹ 4,856 ₹ 34,808 ₹ 4,535,283 ₹ 490,570
15 11/3/2017 ₹ 4,535,283 ₹ 39,663 ₹ 39,663 ₹ 4,893 ₹ 34,771 ₹ 4,530,390 ₹ 525,340
16 12/3/2017 ₹ 4,530,390 ₹ 39,663 ₹ 39,663 ₹ 4,930 ₹ 34,733 ₹ 4,525,460 ₹ 560,073
17 1/3/2018 ₹ 4,525,460 ₹ 39,663 ₹ 39,663 ₹ 4,968 ₹ 34,695 ₹ 4,520,492 ₹ 594,769
18 2/3/2018 ₹ 4,520,492 ₹ 39,663 ₹ 39,663 ₹ 5,006 ₹ 34,657 ₹ 4,515,485 ₹ 629,426
19 3/3/2018 ₹ 4,515,485 ₹ 39,663 ₹ 39,663 ₹ 5,045 ₹ 34,619 ₹ 4,510,441 ₹ 664,044
20 4/3/2018 ₹ 4,510,441 ₹ 39,663 ₹ 39,663 ₹ 5,083 ₹ 34,580 ₹ 4,505,358 ₹ 698,624
21 5/3/2018 ₹ 4,505,358 ₹ 39,663 ₹ 39,663 ₹ 5,122 ₹ 34,541 ₹ 4,500,235 ₹ 733,165
22 6/3/2018 ₹ 4,500,235 ₹ 39,663 ₹ 39,663 ₹ 5,162 ₹ 34,502 ₹ 4,495,074 ₹ 767,667
23 7/3/2018 ₹ 4,495,074 ₹ 39,663 ₹ 39,663 ₹ 5,201 ₹ 34,462 ₹ 4,489,873 ₹ 802,130
24 8/3/2018 ₹ 4,489,873 ₹ 39,663 ₹ 39,663 ₹ 5,241 ₹ 34,422 ₹ 4,484,632 ₹ 836,552
25 9/3/2018 ₹ 4,484,632 ₹ 39,663 ₹ 39,663 ₹ 5,281 ₹ 34,382 ₹ 4,479,351 ₹ 870,934
26 10/3/2018 ₹ 4,479,351 ₹ 39,663 ₹ 39,663 ₹ 5,322 ₹ 34,342 ₹ 4,474,029 ₹ 905,276
27 11/3/2018 ₹ 4,474,029 ₹ 39,663 ₹ 39,663 ₹ 5,362 ₹ 34,301 ₹ 4,468,666 ₹ 939,577
28 12/3/2018 ₹ 4,468,666 ₹ 39,663 ₹ 39,663 ₹ 5,404 ₹ 34,260 ₹ 4,463,263 ₹ 973,836
29 1/3/2019 ₹ 4,463,263 ₹ 39,663 ₹ 39,663 ₹ 5,445 ₹ 34,218 ₹ 4,457,818 ₹ 1,008,055
30 2/3/2019 ₹ 4,457,818 ₹ 39,663 ₹ 39,663 ₹ 5,487 ₹ 34,177 ₹ 4,452,331 ₹ 1,042,231
31 3/3/2019 ₹ 4,452,331 ₹ 39,663 ₹ 39,663 ₹ 5,529 ₹ 34,135 ₹ 4,446,802 ₹ 1,076,366
32 4/3/2019 ₹ 4,446,802 ₹ 39,663 ₹ 39,663 ₹ 5,571 ₹ 34,092 ₹ 4,441,231 ₹ 1,110,458
33 5/3/2019 ₹ 4,441,231 ₹ 39,663 ₹ 39,663 ₹ 5,614 ₹ 34,049 ₹ 4,435,617 ₹ 1,144,507
34 6/3/2019 ₹ 4,435,617 ₹ 39,663 ₹ 39,663 ₹ 5,657 ₹ 34,006 ₹ 4,429,960 ₹ 1,178,514
35 7/3/2019 ₹ 4,429,960 ₹ 39,663 ₹ 39,663 ₹ 5,700 ₹ 33,963 ₹ 4,424,260 ₹ 1,212,477
36 8/3/2019 ₹ 4,424,260 ₹ 39,663 ₹ 39,663 ₹ 5,744 ₹ 33,919 ₹ 4,418,516 ₹ 1,246,396
 Cumulative
No. of Date of Starting Scheduled Extra Principal Interest Balance to Interest
Pmts Payment Balance Payment Payment Total Payment Amount Amount Pay Amount
37 9/3/2019 ₹ 4,418,516 ₹ 39,663 ₹ 39,663 ₹ 5,788 ₹ 33,875 ₹ 4,412,728 ₹ 1,280,272
38 10/3/2019 ₹ 4,412,728 ₹ 39,663 ₹ 39,663 ₹ 5,832 ₹ 33,831 ₹ 4,406,895 ₹ 1,314,102
39 11/3/2019 ₹ 4,406,895 ₹ 39,663 ₹ 39,663 ₹ 5,877 ₹ 33,786 ₹ 4,401,018 ₹ 1,347,889
40 12/3/2019 ₹ 4,401,018 ₹ 39,663 ₹ 39,663 ₹ 5,922 ₹ 33,741 ₹ 4,395,096 ₹ 1,381,630
41 1/3/2020 ₹ 4,395,096 ₹ 39,663 ₹ 39,663 ₹ 5,968 ₹ 33,696 ₹ 4,389,129 ₹ 1,415,326
42 2/3/2020 ₹ 4,389,129 ₹ 39,663 ₹ 39,663 ₹ 6,013 ₹ 33,650 ₹ 4,383,115 ₹ 1,448,975
43 3/3/2020 ₹ 4,383,115 ₹ 39,663 ₹ 39,663 ₹ 6,059 ₹ 33,604 ₹ 4,377,056 ₹ 1,482,579
44 4/3/2020 ₹ 4,377,056 ₹ 39,663 ₹ 39,663 ₹ 6,106 ₹ 33,557 ₹ 4,370,950 ₹ 1,516,137
45 5/3/2020 ₹ 4,370,950 ₹ 39,663 ₹ 39,663 ₹ 6,153 ₹ 33,511 ₹ 4,364,797 ₹ 1,549,647
46 6/3/2020 ₹ 4,364,797 ₹ 39,663 ₹ 39,663 ₹ 6,200 ₹ 33,463 ₹ 4,358,597 ₹ 1,583,111
47 7/3/2020 ₹ 4,358,597 ₹ 39,663 ₹ 39,663 ₹ 6,247 ₹ 33,416 ₹ 4,352,350 ₹ 1,616,527
48 8/3/2020 ₹ 4,352,350 ₹ 39,663 ₹ 39,663 ₹ 6,295 ₹ 33,368 ₹ 4,346,054 ₹ 1,649,895
49 9/3/2020 ₹ 4,346,054 ₹ 39,663 ₹ 39,663 ₹ 6,344 ₹ 33,320 ₹ 4,339,711 ₹ 1,683,215
50 10/3/2020 ₹ 4,339,711 ₹ 39,663 ₹ 39,663 ₹ 6,392 ₹ 33,271 ₹ 4,333,319 ₹ 1,716,486
51 11/3/2020 ₹ 4,333,319 ₹ 39,663 ₹ 39,663 ₹ 6,441 ₹ 33,222 ₹ 4,326,877 ₹ 1,749,708
52 12/3/2020 ₹ 4,326,877 ₹ 39,663 ₹ 39,663 ₹ 6,491 ₹ 33,173 ₹ 4,320,387 ₹ 1,782,880
53 1/3/2021 ₹ 4,320,387 ₹ 39,663 ₹ 39,663 ₹ 6,540 ₹ 33,123 ₹ 4,313,846 ₹ 1,816,003
54 2/3/2021 ₹ 4,313,846 ₹ 39,663 ₹ 39,663 ₹ 6,591 ₹ 33,073 ₹ 4,307,256 ₹ 1,849,076
55 3/3/2021 ₹ 4,307,256 ₹ 39,663 ₹ 39,663 ₹ 6,641 ₹ 33,022 ₹ 4,300,615 ₹ 1,882,099
56 4/3/2021 ₹ 4,300,615 ₹ 39,663 ₹ 39,663 ₹ 6,692 ₹ 32,971 ₹ 4,293,923 ₹ 1,915,070
57 5/3/2021 ₹ 4,293,923 ₹ 39,663 ₹ 39,663 ₹ 6,743 ₹ 32,920 ₹ 4,287,180 ₹ 1,947,990
58 6/3/2021 ₹ 4,287,180 ₹ 39,663 ₹ 39,663 ₹ 6,795 ₹ 32,868 ₹ 4,280,385 ₹ 1,980,858
59 7/3/2021 ₹ 4,280,385 ₹ 39,663 ₹ 39,663 ₹ 6,847 ₹ 32,816 ₹ 4,273,538 ₹ 2,013,675
60 8/3/2021 ₹ 4,273,538 ₹ 39,663 ₹ 39,663 ₹ 6,900 ₹ 32,764 ₹ 4,266,638 ₹ 2,046,438
61 9/3/2021 ₹ 4,266,638 ₹ 39,663 ₹ 39,663 ₹ 6,952 ₹ 32,711 ₹ 4,259,686 ₹ 2,079,149
62 10/3/2021 ₹ 4,259,686 ₹ 39,663 ₹ 39,663 ₹ 7,006 ₹ 32,658 ₹ 4,252,680 ₹ 2,111,807
63 11/3/2021 ₹ 4,252,680 ₹ 39,663 ₹ 39,663 ₹ 7,059 ₹ 32,604 ₹ 4,245,620 ₹ 2,144,411
64 12/3/2021 ₹ 4,245,620 ₹ 39,663 ₹ 39,663 ₹ 7,114 ₹ 32,550 ₹ 4,238,507 ₹ 2,176,961
65 1/3/2022 ₹ 4,238,507 ₹ 39,663 ₹ 39,663 ₹ 7,168 ₹ 32,495 ₹ 4,231,339 ₹ 2,209,456
66 2/3/2022 ₹ 4,231,339 ₹ 39,663 ₹ 39,663 ₹ 7,223 ₹ 32,440 ₹ 4,224,116 ₹ 2,241,896
67 3/3/2022 ₹ 4,224,116 ₹ 39,663 ₹ 39,663 ₹ 7,278 ₹ 32,385 ₹ 4,216,837 ₹ 2,274,281
68 4/3/2022 ₹ 4,216,837 ₹ 39,663 ₹ 39,663 ₹ 7,334 ₹ 32,329 ₹ 4,209,503 ₹ 2,306,610
69 5/3/2022 ₹ 4,209,503 ₹ 39,663 ₹ 39,663 ₹ 7,390 ₹ 32,273 ₹ 4,202,112 ₹ 2,338,883
70 6/3/2022 ₹ 4,202,112 ₹ 39,663 ₹ 39,663 ₹ 7,447 ₹ 32,216 ₹ 4,194,665 ₹ 2,371,099
71 7/3/2022 ₹ 4,194,665 ₹ 39,663 ₹ 39,663 ₹ 7,504 ₹ 32,159 ₹ 4,187,161 ₹ 2,403,258
72 8/3/2022 ₹ 4,187,161 ₹ 39,663 ₹ 39,663 ₹ 7,562 ₹ 32,102 ₹ 4,179,599 ₹ 2,435,360
73 9/3/2022 ₹ 4,179,599 ₹ 39,663 ₹ 39,663 ₹ 7,620 ₹ 32,044 ₹ 4,171,979 ₹ 2,467,403
74 10/3/2022 ₹ 4,171,979 ₹ 39,663 ₹ 39,663 ₹ 7,678 ₹ 31,985 ₹ 4,164,301 ₹ 2,499,389
75 11/3/2022 ₹ 4,164,301 ₹ 39,663 ₹ 39,663 ₹ 7,737 ₹ 31,926 ₹ 4,156,564 ₹ 2,531,315
76 12/3/2022 ₹ 4,156,564 ₹ 39,663 ₹ 39,663 ₹ 7,796 ₹ 31,867 ₹ 4,148,768 ₹ 2,563,182
77 1/3/2023 ₹ 4,148,768 ₹ 39,663 ₹ 39,663 ₹ 7,856 ₹ 31,807 ₹ 4,140,912 ₹ 2,594,989
78 2/3/2023 ₹ 4,140,912 ₹ 39,663 ₹ 39,663 ₹ 7,916 ₹ 31,747 ₹ 4,132,995 ₹ 2,626,736
79 3/3/2023 ₹ 4,132,995 ₹ 39,663 ₹ 39,663 ₹ 7,977 ₹ 31,686 ₹ 4,125,018 ₹ 2,658,422
80 4/3/2023 ₹ 4,125,018 ₹ 39,663 ₹ 39,663 ₹ 8,038 ₹ 31,625 ₹ 4,116,980 ₹ 2,690,047
81 5/3/2023 ₹ 4,116,980 ₹ 39,663 ₹ 39,663 ₹ 8,100 ₹ 31,564 ₹ 4,108,880 ₹ 2,721,611
82 6/3/2023 ₹ 4,108,880 ₹ 39,663 ₹ 39,663 ₹ 8,162 ₹ 31,501 ₹ 4,100,718 ₹ 2,753,112
83 7/3/2023 ₹ 4,100,718 ₹ 39,663 ₹ 39,663 ₹ 8,224 ₹ 31,439 ₹ 4,092,494 ₹ 2,784,551
84 8/3/2023 ₹ 4,092,494 ₹ 39,663 ₹ 39,663 ₹ 8,288 ₹ 31,376 ₹ 4,084,206 ₹ 2,815,927
85 9/3/2023 ₹ 4,084,206 ₹ 39,663 ₹ 39,663 ₹ 8,351 ₹ 31,312 ₹ 4,075,855 ₹ 2,847,239
86 10/3/2023 ₹ 4,075,855 ₹ 39,663 ₹ 39,663 ₹ 8,415 ₹ 31,248 ₹ 4,067,440 ₹ 2,878,488
87 11/3/2023 ₹ 4,067,440 ₹ 39,663 ₹ 39,663 ₹ 8,480 ₹ 31,184 ₹ 4,058,961 ₹ 2,909,671
88 12/3/2023 ₹ 4,058,961 ₹ 39,663 ₹ 39,663 ₹ 8,545 ₹ 31,119 ₹ 4,050,416 ₹ 2,940,790
 Cumulative
No. of Date of Starting Scheduled Extra Principal Interest Balance to Interest
Pmts Payment Balance Payment Payment Total Payment Amount Amount Pay Amount
89 1/3/2024 ₹ 4,050,416 ₹ 39,663 ₹ 39,663 ₹ 8,610 ₹ 31,053 ₹ 4,041,806 ₹ 2,971,843
90 2/3/2024 ₹ 4,041,806 ₹ 39,663 ₹ 39,663 ₹ 8,676 ₹ 30,987 ₹ 4,033,130 ₹ 3,002,830
91 3/3/2024 ₹ 4,033,130 ₹ 39,663 ₹ 39,663 ₹ 8,743 ₹ 30,921 ₹ 4,024,387 ₹ 3,033,751
92 4/3/2024 ₹ 4,024,387 ₹ 39,663 ₹ 39,663 ₹ 8,810 ₹ 30,854 ₹ 4,015,577 ₹ 3,064,605
93 5/3/2024 ₹ 4,015,577 ₹ 39,663 ₹ 39,663 ₹ 8,877 ₹ 30,786 ₹ 4,006,700 ₹ 3,095,391
94 6/3/2024 ₹ 4,006,700 ₹ 39,663 ₹ 39,663 ₹ 8,945 ₹ 30,718 ₹ 3,997,755 ₹ 3,126,109
95 7/3/2024 ₹ 3,997,755 ₹ 39,663 ₹ 39,663 ₹ 9,014 ₹ 30,649 ₹ 3,988,741 ₹ 3,156,758
96 8/3/2024 ₹ 3,988,741 ₹ 39,663 ₹ 39,663 ₹ 9,083 ₹ 30,580 ₹ 3,979,658 ₹ 3,187,339
97 9/3/2024 ₹ 3,979,658 ₹ 39,663 ₹ 39,663 ₹ 9,153 ₹ 30,511 ₹ 3,970,505 ₹ 3,217,849
98 10/3/2024 ₹ 3,970,505 ₹ 39,663 ₹ 39,663 ₹ 9,223 ₹ 30,441 ₹ 3,961,282 ₹ 3,248,290
99 11/3/2024 ₹ 3,961,282 ₹ 39,663 ₹ 39,663 ₹ 9,294 ₹ 30,370 ₹ 3,951,989 ₹ 3,278,660
100 12/3/2024 ₹ 3,951,989 ₹ 39,663 ₹ 39,663 ₹ 9,365 ₹ 30,299 ₹ 3,942,624 ₹ 3,308,958
101 1/3/2025 ₹ 3,942,624 ₹ 39,663 ₹ 39,663 ₹ 9,437 ₹ 30,227 ₹ 3,933,188 ₹ 3,339,185
102 2/3/2025 ₹ 3,933,188 ₹ 39,663 ₹ 39,663 ₹ 9,509 ₹ 30,154 ₹ 3,923,679 ₹ 3,369,339
103 3/3/2025 ₹ 3,923,679 ₹ 39,663 ₹ 39,663 ₹ 9,582 ₹ 30,082 ₹ 3,914,097 ₹ 3,399,421
104 4/3/2025 ₹ 3,914,097 ₹ 39,663 ₹ 39,663 ₹ 9,655 ₹ 30,008 ₹ 3,904,442 ₹ 3,429,429
105 5/3/2025 ₹ 3,904,442 ₹ 39,663 ₹ 39,663 ₹ 9,729 ₹ 29,934 ₹ 3,894,712 ₹ 3,459,363
106 6/3/2025 ₹ 3,894,712 ₹ 39,663 ₹ 39,663 ₹ 9,804 ₹ 29,859 ₹ 3,884,908 ₹ 3,489,223
107 7/3/2025 ₹ 3,884,908 ₹ 39,663 ₹ 39,663 ₹ 9,879 ₹ 29,784 ₹ 3,875,029 ₹ 3,519,007
108 8/3/2025 ₹ 3,875,029 ₹ 39,663 ₹ 39,663 ₹ 9,955 ₹ 29,709 ₹ 3,865,075 ₹ 3,548,715
109 9/3/2025 ₹ 3,865,075 ₹ 39,663 ₹ 39,663 ₹ 10,031 ₹ 29,632 ₹ 3,855,043 ₹ 3,578,348
110 10/3/2025 ₹ 3,855,043 ₹ 39,663 ₹ 39,663 ₹ 10,108 ₹ 29,555 ₹ 3,844,935 ₹ 3,607,903
111 11/3/2025 ₹ 3,844,935 ₹ 39,663 ₹ 39,663 ₹ 10,186 ₹ 29,478 ₹ 3,834,750 ₹ 3,637,381
112 12/3/2025 ₹ 3,834,750 ₹ 39,663 ₹ 39,663 ₹ 10,264 ₹ 29,400 ₹ 3,824,486 ₹ 3,666,781
113 1/3/2026 ₹ 3,824,486 ₹ 39,663 ₹ 39,663 ₹ 10,342 ₹ 29,321 ₹ 3,814,144 ₹ 3,696,102
114 2/3/2026 ₹ 3,814,144 ₹ 39,663 ₹ 39,663 ₹ 10,422 ₹ 29,242 ₹ 3,803,723 ₹ 3,725,343
115 3/3/2026 ₹ 3,803,723 ₹ 39,663 ₹ 39,663 ₹ 10,501 ₹ 29,162 ₹ 3,793,221 ₹ 3,754,505
116 4/3/2026 ₹ 3,793,221 ₹ 39,663 ₹ 39,663 ₹ 10,582 ₹ 29,081 ₹ 3,782,639 ₹ 3,783,587
117 5/3/2026 ₹ 3,782,639 ₹ 39,663 ₹ 39,663 ₹ 10,663 ₹ 29,000 ₹ 3,771,976 ₹ 3,812,587
118 6/3/2026 ₹ 3,771,976 ₹ 39,663 ₹ 39,663 ₹ 10,745 ₹ 28,918 ₹ 3,761,231 ₹ 3,841,505
119 7/3/2026 ₹ 3,761,231 ₹ 39,663 ₹ 39,663 ₹ 10,827 ₹ 28,836 ₹ 3,750,404 ₹ 3,870,341
120 8/3/2026 ₹ 3,750,404 ₹ 39,663 ₹ 39,663 ₹ 10,910 ₹ 28,753 ₹ 3,739,494 ₹ 3,899,095
121 9/3/2026 ₹ 3,739,494 ₹ 39,663 ₹ 39,663 ₹ 10,994 ₹ 28,669 ₹ 3,728,500 ₹ 3,927,764
122 10/3/2026 ₹ 3,728,500 ₹ 39,663 ₹ 39,663 ₹ 11,078 ₹ 28,585 ₹ 3,717,422 ₹ 3,956,349
123 11/3/2026 ₹ 3,717,422 ₹ 39,663 ₹ 39,663 ₹ 11,163 ₹ 28,500 ₹ 3,706,258 ₹ 3,984,849
124 12/3/2026 ₹ 3,706,258 ₹ 39,663 ₹ 39,663 ₹ 11,249 ₹ 28,415 ₹ 3,695,010 ₹ 4,013,264
125 1/3/2027 ₹ 3,695,010 ₹ 39,663 ₹ 39,663 ₹ 11,335 ₹ 28,328 ₹ 3,683,675 ₹ 4,041,592
126 2/3/2027 ₹ 3,683,675 ₹ 39,663 ₹ 39,663 ₹ 11,422 ₹ 28,242 ₹ 3,672,253 ₹ 4,069,834
127 3/3/2027 ₹ 3,672,253 ₹ 39,663 ₹ 39,663 ₹ 11,509 ₹ 28,154 ₹ 3,660,744 ₹ 4,097,988
128 4/3/2027 ₹ 3,660,744 ₹ 39,663 ₹ 39,663 ₹ 11,598 ₹ 28,066 ₹ 3,649,146 ₹ 4,126,054
129 5/3/2027 ₹ 3,649,146 ₹ 39,663 ₹ 39,663 ₹ 11,687 ₹ 27,977 ₹ 3,637,459 ₹ 4,154,030
130 6/3/2027 ₹ 3,637,459 ₹ 39,663 ₹ 39,663 ₹ 11,776 ₹ 27,887 ₹ 3,625,683 ₹ 4,181,918
131 7/3/2027 ₹ 3,625,683 ₹ 39,663 ₹ 39,663 ₹ 11,866 ₹ 27,797 ₹ 3,613,817 ₹ 4,209,714
132 8/3/2027 ₹ 3,613,817 ₹ 39,663 ₹ 39,663 ₹ 11,957 ₹ 27,706 ₹ 3,601,859 ₹ 4,237,420
133 9/3/2027 ₹ 3,601,859 ₹ 39,663 ₹ 39,663 ₹ 12,049 ₹ 27,614 ₹ 3,589,810 ₹ 4,265,035
134 10/3/2027 ₹ 3,589,810 ₹ 39,663 ₹ 39,663 ₹ 12,141 ₹ 27,522 ₹ 3,577,669 ₹ 4,292,557
135 11/3/2027 ₹ 3,577,669 ₹ 39,663 ₹ 39,663 ₹ 12,235 ₹ 27,429 ₹ 3,565,434 ₹ 4,319,985
136 12/3/2027 ₹ 3,565,434 ₹ 39,663 ₹ 39,663 ₹ 12,328 ₹ 27,335 ₹ 3,553,106 ₹ 4,347,320
137 1/3/2028 ₹ 3,553,106 ₹ 39,663 ₹ 39,663 ₹ 12,423 ₹ 27,240 ₹ 3,540,683 ₹ 4,374,561
138 2/3/2028 ₹ 3,540,683 ₹ 39,663 ₹ 39,663 ₹ 12,518 ₹ 27,145 ₹ 3,528,165 ₹ 4,401,706
139 3/3/2028 ₹ 3,528,165 ₹ 39,663 ₹ 39,663 ₹ 12,614 ₹ 27,049 ₹ 3,515,551 ₹ 4,428,755
140 4/3/2028 ₹ 3,515,551 ₹ 39,663 ₹ 39,663 ₹ 12,711 ₹ 26,953 ₹ 3,502,840 ₹ 4,455,708
 Cumulative
No. of Date of Starting Scheduled Extra Principal Interest Balance to Interest
Pmts Payment Balance Payment Payment Total Payment Amount Amount Pay Amount
141 5/3/2028 ₹ 3,502,840 ₹ 39,663 ₹ 39,663 ₹ 12,808 ₹ 26,855 ₹ 3,490,032 ₹ 4,482,563
142 6/3/2028 ₹ 3,490,032 ₹ 39,663 ₹ 39,663 ₹ 12,906 ₹ 26,757 ₹ 3,477,126 ₹ 4,509,320
143 7/3/2028 ₹ 3,477,126 ₹ 39,663 ₹ 39,663 ₹ 13,005 ₹ 26,658 ₹ 3,464,120 ₹ 4,535,978
144 8/3/2028 ₹ 3,464,120 ₹ 39,663 ₹ 39,663 ₹ 13,105 ₹ 26,558 ₹ 3,451,015 ₹ 4,562,536
145 9/3/2028 ₹ 3,451,015 ₹ 39,663 ₹ 39,663 ₹ 13,206 ₹ 26,458 ₹ 3,437,809 ₹ 4,588,994
146 10/3/2028 ₹ 3,437,809 ₹ 39,663 ₹ 39,663 ₹ 13,307 ₹ 26,357 ₹ 3,424,503 ₹ 4,615,350
147 11/3/2028 ₹ 3,424,503 ₹ 39,663 ₹ 39,663 ₹ 13,409 ₹ 26,255 ₹ 3,411,094 ₹ 4,641,605
148 12/3/2028 ₹ 3,411,094 ₹ 39,663 ₹ 39,663 ₹ 13,512 ₹ 26,152 ₹ 3,397,582 ₹ 4,667,757
149 1/3/2029 ₹ 3,397,582 ₹ 39,663 ₹ 39,663 ₹ 13,615 ₹ 26,048 ₹ 3,383,967 ₹ 4,693,805
150 2/3/2029 ₹ 3,383,967 ₹ 39,663 ₹ 39,663 ₹ 13,720 ₹ 25,944 ₹ 3,370,247 ₹ 4,719,749
151 3/3/2029 ₹ 3,370,247 ₹ 39,663 ₹ 39,663 ₹ 13,825 ₹ 25,839 ₹ 3,356,423 ₹ 4,745,587
152 4/3/2029 ₹ 3,356,423 ₹ 39,663 ₹ 39,663 ₹ 13,931 ₹ 25,733 ₹ 3,342,492 ₹ 4,771,320
 LOAN YRS EMI ADDITIONAL Intetest Interst Months
Paid paid -
Adjusted
Sheet 2

1 4600000 23 40414 0 6479000 3829539 276

2 4600000 23 40414 10000 3377615 160
3 4600000 23 40414 20000 2351921 116
4 4000000 23 34908 0 5634000 278
5 4000000 23 40414 10000 2753000 151
6 4000000 23 34908 20000 1878000 108
7
8
9
Interest difference Rental Ave IC Tax Saved Home value Net Profit Compoun
Through ding
Tax Future
value
@12%
( FOR G -
COLUMN
MONTHS)

0 4968000 1380000 6348000 6777600 429600 60000000

3101385 2880000 800000 3680000 6777600 3097600 19100000
4127079 2088000 580000 2668000 6777600 4109600 14100000
0 5004000 1390000 6394000 6777600 383600
2718000 755000 3473000 6777600 3304600
1944000 540000 2484000 6777600 4293600
0 0 0 6777600 6777600
0 0 0 6777600 6777600
0 0 0 6777600 6777600
0 0 0 6777600 6777600
0 0 0 6777600 6777600
 Aug-23
Home Value per sft 4800 5000
Home Value total for seling 6777600 6550000
Total interst paid 3829539 7205000
Home Loan Balance 4600000
Car Parking 200000
EB 75000
Maintanance 228000 208.923512748 INTEREST
Corpus + insurance 80000 89.9433427762 RENT -
Club House 150000
Initial amount paid 500000
Interior 500000
Total Cost 5562539 10162539
Total Cost including balance loan 10162539 7197.26558074 168000
Profit -3384939
Money available after selling +PF 4977600
House Income (loan ) 228000
House Income - Interest -67000
Income % on investment -1.2044859370874
House income ( No loan ) 168000
Income % on invetment ( No loan ) 1.6531301872495
2012-2013 364310 JK Loss
2013-2014 461062 600000 2006 Stock
2014-2015 452005 100000 2011 ADANI
2015-2016 396514 350000 2009 BV
2016-2017 364570 3500000 2020 Forex
2017-2018 276610 3384939 2023 House
2018-2019 276610 500000 2016 Friend
2019-2020 276610 1000000 2017 Onecoin
2020-2021 276610
2021-2022 289613 9434939
2022-2023 295025
100000
3829539