Input

Customer Name
Loan Amount
Processing Fee
Group Insurance Charges
Disbursed Amount
Tenor
Customer IRR
EMI Amount
First EMI Due date

EMI
Date
5-Jan-14
5-Feb-14
5-Mar-14
5-Apr-14
5-May-14
5-Jun-14
5-Jul-14
5-Aug-14
5-Sep-14
5-Oct-14
5-Nov-14
5-Dec-14
5-Jan-15
5-Feb-15
5-Mar-15
5-Apr-15
5-May-15
5-Jun-15
5-Jul-15
5-Aug-15
5-Sep-15
5-Oct-15
5-Nov-15
5-Dec-15
5-Jan-16
5-Feb-16
5-Mar-16
5-Apr-16
5-May-16
5-Jun-16
5-Jul-16

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

800,000
800,000
60
15.00%
19,032
5-Jan-14

Principal
Outstanding
800000
790968
781823
772564
763189
753697
744086
734355
724503
714527
704427
694200
683846
673362
662747
652000
641118
630100
618944
607649
596212
584633
572909
561039
549020
536850
524529
512054
499422
486633
473684

15.00%

Principal
Interest
Component
Component
10000
9032
9887
9145
9773
9259
9657
9375
9540
9492
9421
9611
9301
9731
9179
9853
9056
9976
8932
10100
8805
10227
8678
10354
8548
10484
8417
10615
8284
10748
8150
10882
8014
11018
7876
11156
7737
11295
7596
11436
7453
11579
7308
11724
7161
11871
7013
12019
6863
12169
6711
12321
6557
12475
6401
12631
6243
12789
6083
12949
5921
13111

EMI
Amount
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032

5-Aug-16
5-Sep-16
5-Oct-16
5-Nov-16
5-Dec-16
5-Jan-17
5-Feb-17
5-Mar-17
5-Apr-17
5-May-17
5-Jun-17
5-Jul-17
5-Aug-17
5-Sep-17
5-Oct-17
5-Nov-17
5-Dec-17
5-Jan-18
5-Feb-18
5-Mar-18
5-Apr-18
5-May-18
5-Jun-18
5-Jul-18
5-Aug-18
5-Sep-18
5-Oct-18
5-Nov-18
5-Dec-18

32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

460573
447299
433858
420249
406470
392519
378394
364092
349611
334949
320104
305073
289855
274446
258845
243048
227055
210861
194465
177864
161055
144036
126805
109358
91693
73807
55698
37362
18797

5757
5591
5423
5253
5081
4906
4730
4551
4370
4187
4001
3813
3623
3431
3236
3038
2838
2636
2431
2223
2013
1800
1585
1367
1146
923
696
467
235

13275
13441
13609
13779
13951
14125
14302
14481
14662
14845
15031
15219
15409
15601
15796
15994
16194
16396
16601
16809
17019
17231
17447
17665
17886
18109
18336
18565
18797

19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032
19032

Part Prepayment calculator - Please change the orange colored cells only

Pmt.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27

Enter values
Loan amount
Annual interest rate

Rs. 200,000
17.99 %

Loan period in years

Number of payments per year
Start date of loan
Optional extra payments

3.00
12
6/5/2013
Rs. 0

Payment Date
7/5/2013
8/5/2013
9/5/2013
10/5/2013
11/5/2013
12/5/2013
1/5/2014
2/5/2014
3/5/2014
4/5/2014
5/5/2014
6/5/2014
7/5/2014
8/5/2014
9/5/2014
10/5/2014
11/5/2014
12/5/2014
1/5/2015
2/5/2015
3/5/2015
4/5/2015
5/5/2015
6/5/2015
7/5/2015
8/5/2015
9/5/2015

Opening Balance
Rs. 200,000
Rs. 195,769
Rs. 191,474
Rs. 187,115
Rs. 182,691
Rs. 178,200
Rs. 173,642
Rs. 169,016
Rs. 164,321
Rs. 159,554
Rs. 154,717
Rs. 149,807
Rs. 144,823
Rs. 139,765
Rs. 134,631
Rs. 129,420
Rs. 124,130
Rs. 118,762
Rs. 113,313
Rs. 107,782
Rs. 102,168
Rs. 96,471
Rs. 90,687
Rs. 84,818
Rs. 78,860
Rs. 72,812
Rs. 66,675

EMI Amount
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229

Loan summary
Scheduled payment
Scheduled number of payments
Actual number of payments
Total early payments
Total interest

Part
Prepayment
Amount
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0

Total Payment
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229

Original Interest Amount without

Revised Interest post prepayment
Interest Saving

Rs. 7,229
36

% of Interest saved

36
Rs. 0
Rs. 60,261

Principal
Rs. 4,231
Rs. 4,295
Rs. 4,359
Rs. 4,424
Rs. 4,491
Rs. 4,558
Rs. 4,626
Rs. 4,696
Rs. 4,766
Rs. 4,837
Rs. 4,910
Rs. 4,984
Rs. 5,058
Rs. 5,134
Rs. 5,211
Rs. 5,289
Rs. 5,369
Rs. 5,449
Rs. 5,531
Rs. 5,614
Rs. 5,698
Rs. 5,783
Rs. 5,870
Rs. 5,958
Rs. 6,047
Rs. 6,138
Rs. 6,230

Interest
Rs. 2,998
Rs. 2,935
Rs. 2,871
Rs. 2,805
Rs. 2,739
Rs. 2,672
Rs. 2,603
Rs. 2,534
Rs. 2,463
Rs. 2,392
Rs. 2,319
Rs. 2,246
Rs. 2,171
Rs. 2,095
Rs. 2,018
Rs. 1,940
Rs. 1,861
Rs. 1,780
Rs. 1,699
Rs. 1,616
Rs. 1,532
Rs. 1,446
Rs. 1,360
Rs. 1,272
Rs. 1,182
Rs. 1,092
Rs. 1,000

Ending Balance
Rs. 195,769
Rs. 191,474
Rs. 187,115
Rs. 182,691
Rs. 178,200
Rs. 173,642
Rs. 169,016
Rs. 164,321
Rs. 159,554
Rs. 154,717
Rs. 149,807
Rs. 144,823
Rs. 139,765
Rs. 134,631
Rs. 129,420
Rs. 124,130
Rs. 118,762
Rs. 113,313
Rs. 107,782
Rs. 102,168
Rs. 96,471
Rs. 90,687
Rs. 84,818
Rs. 78,860
Rs. 72,812
Rs. 66,675
Rs. 60,445

Pmt.
No.
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

Payment Date
10/5/2015
11/5/2015
12/5/2015
1/5/2016
2/5/2016
3/5/2016
4/5/2016
5/5/2016
6/5/2016
7/5/2016
8/5/2016
9/5/2016
10/5/2016
11/5/2016
12/5/2016
1/5/2017
2/5/2017
3/5/2017
4/5/2017
5/5/2017
6/5/2017
7/5/2017
8/5/2017
9/5/2017
10/5/2017
11/5/2017
12/5/2017
1/5/2018
2/5/2018
3/5/2018
4/5/2018
5/5/2018
6/5/2018

Opening Balance
Rs. 60,445
Rs. 54,121
Rs. 47,703
Rs. 41,189
Rs. 34,577
Rs. 27,866
Rs. 21,054
Rs. 14,140
Rs. 7,123
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0

EMI Amount
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229

Part
Prepayment
Amount
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0

Total Payment
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,229
Rs. 7,123
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0

Principal
Rs. 6,323
Rs. 6,418
Rs. 6,514
Rs. 6,612
Rs. 6,711
Rs. 6,812
Rs. 6,914
Rs. 7,017
Rs. 7,016
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0

Interest
Rs. 906
Rs. 811
Rs. 715
Rs. 617
Rs. 518
Rs. 418
Rs. 316
Rs. 212
Rs. 107
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0

Ending Balance
Rs. 54,121
Rs. 47,703
Rs. 41,189
Rs. 34,577
Rs. 27,866
Rs. 21,054
Rs. 14,140
Rs. 7,123
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0

Interest Amount without prepayment

Interest post prepayment
Saving

nterest saved

80493
41490
39003

48%

Cumulative Interest
Rs. 2,998
Rs. 5,933
Rs. 8,804
Rs. 11,609
Rs. 14,348
Rs. 17,019
Rs. 19,622
Rs. 22,156
Rs. 24,620
Rs. 27,012
Rs. 29,331
Rs. 31,577
Rs. 33,748
Rs. 35,844
Rs. 37,862
Rs. 39,802
Rs. 41,663
Rs. 43,443
Rs. 45,142
Rs. 46,758
Rs. 48,290
Rs. 49,736
Rs. 51,096
Rs. 52,367
Rs. 53,549
Rs. 54,641
Rs. 55,640

Cumulative Interest
Rs. 56,547
Rs. 57,358
Rs. 58,073
Rs. 58,691
Rs. 59,209
Rs. 59,627
Rs. 59,942
Rs. 60,154
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261
Rs. 60,261

No of Cases

Value
(Lacs)

DISBURSED

17.75

APPROVED

21.5

FOLLOW UP

21

65

CALL CENTRE

IN PROCESS

NOT INTERESTED

44

181.5

NOT ELIGIBLE

20

83

NOT CONTACTABLE

OTHERS

24

REJECTED

22

104

418.75

HYD

NOVARTIS
8886884012 JASUBHAI KALSARIYA
9849234087 KRISHNA GUNDETI
NTT Pvt Ltd
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