I.T.

S School of Management
Alok Verma 2023016 B.I. LAB PGDM 2023-25
TRIMESTER -2
ANS 1
PROJECT A(Rs in lakhs) PROJECT B(Rs in lakhs)
years cash inflow cash
Present Cashflows inflows present cash flows
1 10 10.00 3 3.00
2 14 14.00 5 5.00
3 16 16.00 10 10.00
4 18 18.00 20 20.00
5 20 20.00 30 30.00
6 25 25.00 35 35.00
7 40 40.00 45 45.00
8 45 45.00 60 60.00
9 50 50.00 50 50.00
10 55 55.00 30 30.00
11 60 60.00 34 34.00
12 65 65.00 50 50.00
13 68 68.00 55 55.00
14 70 70.00 60 60.00
15 72 72.00 65 65.00
16 80 80.00 68 68.00
17 90 90.00 70 70.00
18 100 100.00 75 75.00
19 82 82.00 78 78.00
20 75 75.00 90 90.00
TOTAL 1055.00 933.00
Q2)c) Suppose you do a recurring deposit of Rs 500 for 36 months @ 7.75%. Calculate the amount recievable on maturity?

PMT 500 MATURITY

TIME 36 AMOUNT 20191.55
RATE 7.75%
RATE P.M. 0.01
nt recievable on maturity?
ANS 2
Q2) a) At what quoted annual interest rate must rs 1,34,000 be invested so that it will grow to be rs 4,59,000 in 15 y
compounded monthly?

SOLUTION: PV 134000
FV 459000 RATE 3%
TIME(YRS) 3 If interest is compounded monthly.
TIME(MOS) 36 The annual interest = 12*3% = 36% p.a.

Q2)b) Mr X has taken a bank loan of rs 40 lakh to be paid back in monthly instalments for 20 years. What will be em
10 % p.a. The payment is done at the end of the month. Preparwe the loan amortization schedule.

PV 4000000 MONTHLY EMI 38600.87

TIME(YRS) 20
RATE 10% P.A. YEAR PAYMENT INTEREST PRINCIPAL BALANCE
MONTHS 240 0 4000000
RATE 0.008333 1 38600.87 33333.33 5267.53 ###
2 38600.87 33289.44 5311.43 ###
3 38600.87 33245.18 5355.69 ###
4 38600.87 33200.54 5400.32 ###
5 38600.87 33155.54 5445.32 ###
6 38600.87 33110.16 5490.70 ###
7 38600.87 33064.41 5536.46 ###
8 38600.87 33018.27 5582.59 ###
9 38600.87 32971.75 5629.12 ###
10 38600.87 32924.84 5676.03 ###
11 38600.87 32877.54 5723.33 ###
12 38600.87 32829.85 5771.02 ###
13 38600.87 32781.75 5819.11 ###
14 38600.87 32733.26 5867.60 ###
15 38600.87 32684.36 5916.50 ###
16 38600.87 32635.06 5965.81 ###
17 38600.87 32585.35 6015.52 ###
18 38600.87 32535.22 6065.65 ###
19 38600.87 32484.67 6116.20 ###
20 38600.87 32433.70 6167.17 ###
21 38600.87 32382.31 6218.56 ###
22 38600.87 32330.49 6270.38 ###
23 38600.87 32278.23 6322.63 ###
24 38600.87 32225.54 6375.32 ###
25 38600.87 32172.42 6428.45 ###
26 38600.87 32118.85 6482.02 ###
27 38600.87 32064.83 6536.04 ###
28 38600.87 32010.36 6590.50 ###
29 38600.87 31955.44 6645.42 ###
30 38600.87 31900.06 6700.80 ###
31 38600.87 31844.22 6756.64 ###
32 38600.87 31787.92 6812.95 ###
33 38600.87 31731.14 6869.72 ###
34 38600.87 31673.90 6926.97 ###
35 38600.87 31616.17 6984.69 ###
36 38600.87 31557.97 7042.90 ###
37 38600.87 31499.27 7101.59 ###
38 38600.87 31440.09 7160.77 ###
39 38600.87 31380.42 7220.44 ###
40 38600.87 31320.25 7280.62 ###
41 38600.87 31259.58 7341.29 ###
42 38600.87 31198.40 7402.46 ###
43 38600.87 31136.71 7464.15 ###
44 38600.87 31074.51 7526.35 ###
45 38600.87 31011.79 7589.07 ###
46 38600.87 30948.55 7652.31 ###
47 38600.87 30884.78 7716.08 ###
48 38600.87 30820.48 7780.38 ###
49 38600.87 30755.64 7845.22 ###
50 38600.87 30690.27 7910.60 ###
51 38600.87 30624.35 7976.52 ###
52 38600.87 30557.88 8042.99 ###
53 38600.87 30490.85 8110.02 ###
54 38600.87 30423.27 8177.60 ###
55 38600.87 30355.12 8245.75 ###
56 38600.87 30286.41 8314.46 ###
57 38600.87 30217.12 8383.75 ###
58 38600.87 30147.25 8453.61 ###
59 38600.87 30076.81 8524.06 ###
60 38600.87 30005.77 8595.09 ###
61 38600.87 29934.15 8666.72 ###
62 38600.87 29861.92 8738.94 ###
63 38600.87 29789.10 8811.77 ###
64 38600.87 29715.67 8885.20 ###
65 38600.87 29641.63 8959.24 ###
66 38600.87 29566.97 9033.90 ###
67 38600.87 29491.68 9109.18 ###
68 38600.87 29415.77 9185.09 ###
69 38600.87 29339.23 9261.64 ###
70 38600.87 29262.05 9338.82 ###
 71 38600.87 29184.23 9416.64 ###
72 38600.87 29105.75 9495.11 ###
73 38600.87 29026.63 9574.24 ###
74 38600.87 28946.84 9654.02 ###
75 38600.87 28866.39 9734.47 ###
76 38600.87 28785.27 9815.59 ###
77 38600.87 28703.48 9897.39 ###
78 38600.87 28621.00 9979.87 ###
79 38600.87 28537.83 10063.03 ###
80 38600.87 28453.97 10146.89 ###
81 38600.87 28369.42 10231.45 ###
82 38600.87 28284.15 10316.71 ###
83 38600.87 28198.18 10402.68 ###
84 38600.87 28111.49 10489.37 ###
85 38600.87 28024.08 10576.78 ###
86 38600.87 27935.94 10664.92 ###
87 38600.87 27847.07 10753.80 ###
88 38600.87 27757.45 10843.41 ###
89 38600.87 27667.09 10933.78 ###
90 38600.87 27575.98 11024.89 ###
91 38600.87 27484.10 11116.76 ###
92 38600.87 27391.46 11209.40 ###
93 38600.87 27298.05 11302.82 ###
94 38600.87 27203.86 11397.01 ###
95 38600.87 27108.88 11491.98 ###
96 38600.87 27013.12 11587.75 ###
97 38600.87 26916.55 11684.31 ###
98 38600.87 26819.18 11781.68 ###
99 38600.87 26721.00 11879.86 ###
100 38600.87 26622.00 11978.86 ###
101 38600.87 26522.18 12078.68 ###
102 38600.87 26421.53 12179.34 ###
103 38600.87 26320.03 12280.84 ###
104 38600.87 26217.69 12383.18 ###
105 38600.87 26114.50 12486.37 ###
106 38600.87 26010.44 12590.42 ###
107 38600.87 25905.52 12695.34 ###
108 38600.87 25799.73 12801.14 ###
109 38600.87 25693.05 12907.81 ###
110 38600.87 25585.49 13015.38 ###
111 38600.87 25477.03 13123.84 ###
112 38600.87 25367.66 13233.20 ###
113 38600.87 25257.38 13343.48 ###
114 38600.87 25146.19 13454.68 ###
115 38600.87 25034.07 13566.80 ###
116 38600.87 24921.01 13679.86 ###
117 38600.87 24807.01 13793.85 ###
118 38600.87 24692.06 13908.80 ###
119 38600.87 24576.16 14024.71 ###
120 38600.87 24459.28 14141.58 ###
121 38600.87 24341.44 14259.43 ###
122 38600.87 24222.61 14378.26 ###
123 38600.87 24102.79 14498.08 ###
124 38600.87 23981.97 14618.89 ###
125 38600.87 23860.15 14740.72 ###
126 38600.87 23737.31 14863.56 ###
127 38600.87 23613.45 14987.42 ###
128 38600.87 23488.55 15112.32 ###
129 38600.87 23362.61 15238.25 ###
130 38600.87 23235.63 15365.24 ###
131 38600.87 23107.59 15493.28 ###
132 38600.87 22978.47 15622.39 ###
133 38600.87 22848.29 15752.58 ###
134 38600.87 22717.02 15883.85 ###
135 38600.87 22584.65 16016.21 ###
136 38600.87 22451.18 16149.68 ###
137 38600.87 22316.60 16284.26 ###
138 38600.87 22180.90 16419.97 ###
139 38600.87 22044.07 16556.80 ###
140 38600.87 21906.09 16694.77 ###
141 38600.87 21766.97 16833.90 ###
142 38600.87 21626.69 16974.18 ###
143 38600.87 21485.24 17115.63 ###
144 38600.87 21342.61 17258.26 ###
145 38600.87 21198.79 17402.08 ###
146 38600.87 21053.77 17547.10 ###
147 38600.87 20907.54 17693.32 ###
148 38600.87 20760.10 17840.77 ###
149 38600.87 20611.43 17989.44 ###
150 38600.87 20461.52 18139.35 ###
151 38600.87 20310.35 18290.51 ###
152 38600.87 20157.93 18442.93 ###
153 38600.87 20004.24 18596.62 ###
154 38600.87 19849.27 18751.60 ###
155 38600.87 19693.01 18907.86 ###
156 38600.87 19535.44 19065.42 ###
157 38600.87 19376.56 19224.30 ###
158 38600.87 19216.36 19384.51 ###
159 38600.87 19054.82 19546.04 ###
160 38600.87 18891.94 19708.93 ###
161 38600.87 18727.70 19873.17 ###
162 38600.87 18562.09 20038.78 ###
163 38600.87 18395.10 20205.77 ###
164 38600.87 18226.72 20374.15 ###
165 38600.87 18056.93 20543.93 ###
166 38600.87 17885.73 20715.13 ###
167 38600.87 17713.11 20887.76 ###
168 38600.87 17539.04 21061.82 ###
169 38600.87 17363.53 21237.34 ###
170 38600.87 17186.55 21414.32 ###
171 38600.87 17008.10 21592.77 ###
172 38600.87 16828.16 21772.71 ###
173 38600.87 16646.72 21954.15 ###
174 38600.87 16463.77 22137.10 ###
175 38600.87 16279.29 22321.58 ###
176 38600.87 16093.28 22507.59 ###
177 38600.87 15905.71 22695.15 ###
178 38600.87 15716.59 22884.28 ###
179 38600.87 15525.89 23074.98 ###
180 38600.87 15333.59 23267.27 ###
181 38600.87 15139.70 23461.17 ###
182 38600.87 14944.19 23656.68 ###
183 38600.87 14747.05 23853.81 ###
184 38600.87 14548.27 24052.60 ###
185 38600.87 14347.83 24253.03 ###
186 38600.87 14145.72 24455.14 ###
187 38600.87 13941.93 24658.94 ###
188 38600.87 13736.44 24864.43 ###
189 38600.87 13529.24 25071.63 ###
190 38600.87 13320.30 25280.56 ###
191 38600.87 13109.63 25491.23 ###
192 38600.87 12897.21 25703.66 ###
193 38600.87 12683.01 25917.86 ###
194 38600.87 12467.03 26133.84 ###
195 38600.87 12249.25 26351.62 ###
196 38600.87 12029.65 26571.22 ###
197 38600.87 11808.22 26792.64 ###
198 38600.87 11584.95 27015.92 ###
199 38600.87 11359.82 27241.05 ###
200 38600.87 11132.81 27468.06 ###
201 38600.87 10903.91 27696.96 ###
202 38600.87 10673.10 27927.77 ###
203 38600.87 10440.37 28160.50 ###
204 38600.87 10205.70 28395.17 ###
205 38600.87 9969.07 28631.79 ###
206 38600.87 9730.47 28870.39 ###
207 38600.87 9489.89 29110.98 ###
208 38600.87 9247.29 29353.57 ###
209 38600.87 9002.68 29598.18 ###
210 38600.87 8756.03 29844.84 ###
211 38600.87 8507.32 30093.54 ###
212 38600.87 8256.54 30344.32 ###
213 38600.87 8003.67 30597.19 ###
214 38600.87 7748.70 30852.17 ###
215 38600.87 7491.60 31109.27 ###
216 38600.87 7232.35 31368.51 ###
217 38600.87 6970.95 31629.92 ###
218 38600.87 6707.37 31893.50 ###
219 38600.87 6441.59 32159.28 ###
220 38600.87 6173.59 32427.27 ###
221 38600.87 5903.36 32697.50 ###
222 38600.87 5630.89 32969.98 ###
223 38600.87 5356.14 33244.73 ###
224 38600.87 5079.10 33521.77 ###
225 38600.87 4799.75 33801.12 ###
226 38600.87 4518.07 34082.79 ###
227 38600.87 4234.05 34366.82 ###
228 38600.87 3947.66 34653.21 ###
229 38600.87 3658.88 34941.98 ###
230 38600.87 3367.70 35233.17 ###
231 38600.87 3074.09 35526.78 ###
232 38600.87 2778.03 35822.83 ###
233 38600.87 2479.51 36121.36 ###
234 38600.87 2178.50 36422.37 ###
235 38600.87 1874.98 36725.89 ###
236 38600.87 1568.93 37031.94 ###
237 38600.87 1260.33 37340.54 ###
238 38600.87 949.16 37651.71 76247.32
239 38600.87 635.39 37965.47 38281.85
240 38600.87 319.02 38281.85 0.00
l grow to be rs 4,59,000 in 15 years, if interest is

s for 20 years. What will be emi , if rate of interest is

tion schedule.