Author

EMICalculator.net
http://emicalculator.net/sbi-maxgain-why-should-you-choose-this-home-sav

Disclaimer

This excel is for illustration / rough estimation purposes only and should not be
that your entire loan amount is disbursed in one go.

In reality, interest is calculated on a daily basis taking into account the surplus balanc
disbursed in stages and on your choice of pre-EMI or full EMI.
Note: You will have to approach the bank to close the home loan when Book Balance

Enter the loan information

Loan Amount
Interest Rate
Loan Tenure (months)
EMI
Final Disbursement Date

3,444,000.00
9.45
264
31,034.22
Oct-2016

Regular Home Loan

Month
Principal
Oct-2016
Nov-2016
Dec-2016
Jan-2017
Feb-2017
Mar-2017
Apr-2017
May-2017
Jun-2017
Jul-2017
Aug-2017
Sep-2017
Oct-2017
Nov-2017
Dec-2017
Jan-2018
Feb-2018
Mar-2018
Apr-2018
May-2018

3,912.72
3,943.54
3,974.59
4,005.89
4,037.44
4,069.23
4,101.28
4,133.58
4,166.13
4,198.94
4,232.00
4,265.33
4,298.92
4,332.77
4,366.89
4,401.28
4,435.94
4,470.88
4,506.09

Interest
27,121.50
27,090.69
27,059.63
27,028.33
26,996.79
26,964.99
26,932.95
26,900.65
26,868.10
26,835.29
26,802.22
26,768.89
26,735.30
26,701.45
26,667.33
26,632.94
26,598.28
26,563.35
26,528.14

Jun-2018
Jul-2018
Aug-2018
Sep-2018
Oct-2018
Nov-2018
Dec-2018
Jan-2019
Feb-2019
Mar-2019
Apr-2019
May-2019
Jun-2019
Jul-2019
Aug-2019
Sep-2019
Oct-2019
Nov-2019
Dec-2019
Jan-2020
Feb-2020
Mar-2020
Apr-2020
May-2020
Jun-2020
Jul-2020
Aug-2020
Sep-2020
Oct-2020
Nov-2020
Dec-2020
Jan-2021
Feb-2021
Mar-2021
Apr-2021
May-2021
Jun-2021
Jul-2021
Aug-2021
Sep-2021
Oct-2021
Nov-2021
Dec-2021
Jan-2022
Feb-2022
Mar-2022
Apr-2022

4,541.57
4,577.34
4,613.38
4,649.71
4,686.33
4,723.23
4,760.43
4,797.92
4,835.70
4,873.78
4,912.16
4,950.85
4,989.83
5,029.13
5,068.73
5,108.65
5,148.88
5,189.43
5,230.29
5,271.48
5,313.00
5,354.84
5,397.01
5,439.51
5,482.34
5,525.52
5,569.03
5,612.89
5,657.09
5,701.64
5,746.54
5,791.79
5,837.40
5,883.37
5,929.70
5,976.40
6,023.46
6,070.90
6,118.71
6,166.89
6,215.46
6,264.40
6,313.73
6,363.46
6,413.57
6,464.07
6,514.98

26,492.65
26,456.89
26,420.84
26,384.51
26,347.90
26,310.99
26,273.80
26,236.31
26,198.52
26,160.44
26,122.06
26,083.38
26,044.39
26,005.10
25,965.49
25,925.57
25,885.34
25,844.80
25,803.93
25,762.74
25,721.23
25,679.39
25,637.22
25,594.72
25,551.88
25,508.71
25,465.19
25,421.34
25,377.14
25,332.59
25,287.69
25,242.43
25,196.82
25,150.85
25,104.52
25,057.83
25,010.76
24,963.33
24,915.52
24,867.33
24,818.77
24,769.82
24,720.49
24,670.77
24,620.66
24,570.15
24,519.25

May-2022
Jun-2022
Jul-2022
Aug-2022
Sep-2022
Oct-2022
Nov-2022
Dec-2022
Jan-2023
Feb-2023
Mar-2023
Apr-2023
May-2023
Jun-2023
Jul-2023
Aug-2023
Sep-2023
Oct-2023
Nov-2023
Dec-2023
Jan-2024
Feb-2024
Mar-2024
Apr-2024
May-2024
Jun-2024
Jul-2024
Aug-2024
Sep-2024
Oct-2024
Nov-2024
Dec-2024
Jan-2025
Feb-2025
Mar-2025
Apr-2025
May-2025
Jun-2025
Jul-2025
Aug-2025
Sep-2025
Oct-2025
Nov-2025
Dec-2025
Jan-2026
Feb-2026
Mar-2026

6,566.28
6,617.99
6,670.11
6,722.64
6,775.58
6,828.94
6,882.71
6,936.92
6,991.54
7,046.60
7,102.09
7,158.02
7,214.39
7,271.21
7,328.47
7,386.18
7,444.34
7,502.97
7,562.05
7,621.61
7,681.63
7,742.12
7,803.09
7,864.54
7,926.47
7,988.89
8,051.80
8,115.21
8,179.12
8,243.53
8,308.45
8,373.88
8,439.82
8,506.28
8,573.27
8,640.79
8,708.83
8,777.41
8,846.54
8,916.20
8,986.42
9,057.19
9,128.51
9,200.40
9,272.85
9,345.87
9,419.47

24,467.94
24,416.23
24,364.11
24,311.59
24,258.65
24,205.29
24,151.51
24,097.31
24,042.68
23,987.62
23,932.13
23,876.20
23,819.83
23,763.02
23,705.76
23,648.05
23,589.88
23,531.26
23,472.17
23,412.62
23,352.60
23,292.11
23,231.14
23,169.69
23,107.75
23,045.33
22,982.42
22,919.01
22,855.11
22,790.70
22,725.78
22,660.35
22,594.40
22,527.94
22,460.95
22,393.44
22,325.39
22,256.81
22,187.69
22,118.02
22,047.81
21,977.04
21,905.71
21,833.83
21,761.37
21,688.35
21,614.75

Apr-2026
May-2026
Jun-2026
Jul-2026
Aug-2026
Sep-2026
Oct-2026
Nov-2026
Dec-2026
Jan-2027
Feb-2027
Mar-2027
Apr-2027
May-2027
Jun-2027
Jul-2027
Aug-2027
Sep-2027
Oct-2027
Nov-2027
Dec-2027
Jan-2028
Feb-2028
Mar-2028
Apr-2028
May-2028
Jun-2028
Jul-2028
Aug-2028
Sep-2028
Oct-2028
Nov-2028
Dec-2028
Jan-2029
Feb-2029
Mar-2029
Apr-2029
May-2029
Jun-2029
Jul-2029
Aug-2029
Sep-2029
Oct-2029
Nov-2029
Dec-2029
Jan-2030
Feb-2030

9,493.65
9,568.41
9,643.77
9,719.71
9,796.25
9,873.40
9,951.15
10,029.52
10,108.50
10,188.10
10,268.34
10,349.20
10,430.70
10,512.84
10,595.63
10,679.07
10,763.17
10,847.93
10,933.35
11,019.45
11,106.23
11,193.69
11,281.84
11,370.69
11,460.23
11,550.48
11,641.44
11,733.12
11,825.52
11,918.64
12,012.50
12,107.10
12,202.44
12,298.54
12,395.39
12,493.00
12,591.39
12,690.54
12,790.48
12,891.21
12,992.72
13,095.04
13,198.17
13,302.10
13,406.85
13,512.43
13,618.84

21,540.57
21,465.81
21,390.46
21,314.51
21,237.97
21,160.83
21,083.07
21,004.71
20,925.73
20,846.12
20,765.89
20,685.03
20,603.53
20,521.38
20,438.60
20,355.16
20,271.06
20,186.30
20,100.87
20,014.77
19,927.99
19,840.53
19,752.38
19,663.54
19,573.99
19,483.74
19,392.78
19,301.11
19,208.71
19,115.58
19,021.72
18,927.12
18,831.78
18,735.69
18,638.84
18,541.22
18,442.84
18,343.68
18,243.74
18,143.02
18,041.50
17,939.18
17,836.06
17,732.12
17,627.37
17,521.79
17,415.38

Mar-2030
Apr-2030
May-2030
Jun-2030
Jul-2030
Aug-2030
Sep-2030
Oct-2030
Nov-2030
Dec-2030
Jan-2031
Feb-2031
Mar-2031
Apr-2031
May-2031
Jun-2031
Jul-2031
Aug-2031
Sep-2031
Oct-2031
Nov-2031
Dec-2031
Jan-2032
Feb-2032
Mar-2032
Apr-2032
May-2032
Jun-2032
Jul-2032
Aug-2032
Sep-2032
Oct-2032
Nov-2032
Dec-2032
Jan-2033
Feb-2033
Mar-2033
Apr-2033
May-2033
Jun-2033
Jul-2033
Aug-2033
Sep-2033
Oct-2033
Nov-2033
Dec-2033
Jan-2034

13,726.09
13,834.19
13,943.13
14,052.93
14,163.60
14,275.14
14,387.55
14,500.86
14,615.05
14,730.14
14,846.14
14,963.06
15,080.89
15,199.65
15,319.35
15,439.99
15,561.58
15,684.13
15,807.64
15,932.13
16,057.59
16,184.04
16,311.49
16,439.95
16,569.41
16,699.90
16,831.41
16,963.95
17,097.55
17,232.19
17,367.89
17,504.66
17,642.51
17,781.45
17,921.48
18,062.61
18,204.85
18,348.21
18,492.71
18,638.34
18,785.11
18,933.05
19,082.14
19,232.42
19,383.87
19,536.52
19,690.37

17,308.13
17,200.04
17,091.09
16,981.29
16,870.63
16,759.09
16,646.67
16,533.37
16,419.17
16,304.08
16,188.08
16,071.17
15,953.33
15,834.57
15,714.87
15,594.23
15,472.64
15,350.10
15,226.58
15,102.10
14,976.63
14,850.18
14,722.73
14,594.28
14,464.81
14,334.33
14,202.82
14,070.27
13,936.68
13,802.04
13,666.33
13,529.56
13,391.71
13,252.78
13,112.75
12,971.62
12,829.37
12,686.01
12,541.52
12,395.89
12,249.11
12,101.18
11,952.08
11,801.81
11,650.35
11,497.70
11,343.85

Feb-2034
Mar-2034
Apr-2034
May-2034
Jun-2034
Jul-2034
Aug-2034
Sep-2034
Oct-2034
Nov-2034
Dec-2034
Jan-2035
Feb-2035
Mar-2035
Apr-2035
May-2035
Jun-2035
Jul-2035
Aug-2035
Sep-2035
Oct-2035
Nov-2035
Dec-2035
Jan-2036
Feb-2036
Mar-2036
Apr-2036
May-2036
Jun-2036
Jul-2036
Aug-2036
Sep-2036
Oct-2036
Nov-2036
Dec-2036
Jan-2037
Feb-2037
Mar-2037
Apr-2037
May-2037
Jun-2037
Jul-2037
Aug-2037
Sep-2037
Oct-2037
Nov-2037
Dec-2037

19,845.43
20,001.71
20,159.23
20,317.98
20,477.99
20,639.25
20,801.78
20,965.60
21,130.70
21,297.11
21,464.82
21,633.86
21,804.22
21,975.93
22,148.99
22,323.42
22,499.21
22,676.39
22,854.97
23,034.95
23,216.35
23,399.18
23,583.45
23,769.17
23,956.35
24,145.01
24,335.15
24,526.79
24,719.94
24,914.61
25,110.81
25,308.56
25,507.86
25,708.74
25,911.19
26,115.24
26,320.90
26,528.18
26,737.09
26,947.64
27,159.86
27,373.74
27,589.31
27,806.57
28,025.55
28,246.25
28,468.69

11,188.79
11,032.51
10,875.00
10,716.24
10,556.24
10,394.97
10,232.44
10,068.63
9,903.52
9,737.12
9,569.40
9,400.37
9,230.00
9,058.29
8,885.23
8,710.81
8,535.01
8,357.83
8,179.25
7,999.27
7,817.87
7,635.04
7,450.77
7,265.05
7,077.87
6,889.22
6,699.07
6,507.43
6,314.29
6,119.62
5,923.41
5,725.67
5,526.36
5,325.49
5,123.03
4,918.98
4,713.32
4,506.05
4,297.14
4,086.58
3,874.37
3,660.48
3,444.92
3,227.65
3,008.67
2,787.97
2,565.53

Jan-2038
Feb-2038
Mar-2038
Apr-2038
May-2038
Jun-2038
Jul-2038
Aug-2038
Sep-2038
Oct-2038
Nov-2038
Dec-2038
Jan-2039
Feb-2039
Mar-2039
Apr-2039
May-2039
Jun-2039
Jul-2039
Aug-2039
Sep-2039
Oct-2039
Nov-2039
Dec-2039
Jan-2040
Feb-2040
Mar-2040
Apr-2040
May-2040
Jun-2040
Jul-2040
Aug-2040
Sep-2040
Oct-2040
Nov-2040
Dec-2040
Jan-2041
Feb-2041
Mar-2041
Apr-2041
May-2041
Jun-2041
Jul-2041
Aug-2041
Sep-2041
Oct-2041
Nov-2041

28,692.88
28,918.84
29,146.57
29,376.10
29,607.44
29,840.60
30,075.59
30,312.44
30,551.15
30,791.74
31,034.22
0.00
0.00
0.00
0.00
0.00
0.00
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2,341.34
2,115.39
1,887.65
1,658.12
1,426.78
1,193.63
958.63
721.79
483.08
242.48
0.00
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Dec-2041
Jan-2042
Feb-2042
Mar-2042
Apr-2042
May-2042
Jun-2042
Jul-2042
Aug-2042
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Oct-2042
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Oct-2045

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Nov-2045
Dec-2045
Jan-2046
Feb-2046
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Apr-2046
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Apr-2049
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Jun-2049
Jul-2049
Aug-2049
Sep-2049

0.00
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Oct-2049
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Jan-2050
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Aug-2050
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Aug-2053

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0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Sep-2053
Oct-2053
Nov-2053
Dec-2053
Jan-2054
Feb-2054
Mar-2054
Apr-2054
May-2054
Jun-2054
Jul-2054
Aug-2054
Sep-2054
Oct-2054
Nov-2054
Dec-2054
Jan-2055
Feb-2055
Mar-2055
Apr-2055
May-2055
Jun-2055
Jul-2055
Aug-2055
Sep-2055
Oct-2055
Nov-2055
Dec-2055
Jan-2056
Feb-2056
Mar-2056
Apr-2056
May-2056
Jun-2056
Jul-2056
Aug-2056
Sep-2056
Oct-2056

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

choose-this-home-saver-loan

only and should not be used for planning your finances or calculating your tax deductible amount etc. This

count the surplus balance at the end of the day. Even if you park the amount for a few days in the month, yo

oan when Book Balance reaches zero.

ome Loan

SBI
Balance
(End of Month)
3,444,000.00
3,440,087.28
3,436,143.74
3,432,169.15
3,428,163.25
3,424,125.81
3,420,056.58
3,415,955.30
3,411,821.72
3,407,655.60
3,403,456.66
3,399,224.66
3,394,959.33
3,390,660.41
3,386,327.63
3,381,960.74
3,377,559.45
3,373,123.51
3,368,652.63
3,364,146.55

Principal
3,912.72
3,943.54
3,974.59
4,005.89
4,037.44
4,069.23
4,101.28
4,133.58
4,166.13
4,198.94
4,232.00
4,265.33
4,298.92
4,332.77
4,366.89
4,401.28
4,435.94
4,470.88
4,506.09

Interest
27,121.50
26,775.69
26,427.15
26,075.87
25,721.82
25,364.99
25,005.34
24,642.87
24,277.53
24,129.82
23,980.95
23,830.91
23,679.68
23,527.27
23,373.65
23,218.82
23,062.77
22,905.50
22,746.99

3,359,604.98
3,355,027.64
3,350,414.26
3,345,764.55
3,341,078.22
3,336,354.99
3,331,594.56
3,326,796.64
3,321,960.94
3,317,087.16
3,312,174.99
3,307,224.15
3,302,234.31
3,297,205.18
3,292,136.45
3,287,027.80
3,281,878.92
3,276,689.49
3,271,459.19
3,266,187.71
3,260,874.72
3,255,519.88
3,250,122.87
3,244,683.37
3,239,201.02
3,233,675.51
3,228,106.48
3,222,493.59
3,216,836.50
3,211,134.87
3,205,388.33
3,199,596.54
3,193,759.14
3,187,875.76
3,181,946.06
3,175,969.66
3,169,946.20
3,163,875.30
3,157,756.59
3,151,589.70
3,145,374.25
3,139,109.84
3,132,796.11
3,126,432.65
3,120,019.09
3,113,555.01
3,107,040.03

4,541.57
4,577.34
4,613.38
4,649.71
4,686.33
4,723.23
4,760.43
4,797.92
4,835.70
4,873.78
4,912.16
4,950.85
4,989.83
5,029.13
5,068.73
5,108.65
5,148.88
5,189.43
5,230.29
5,271.48
5,313.00
5,354.84
5,397.01
5,439.51
5,482.34
5,525.52
5,569.03
5,612.89
5,657.09
5,701.64
5,746.54
5,791.79
5,837.40
5,883.37
5,929.70
5,976.40
6,023.46
6,070.90
6,118.71
6,166.89
6,215.46
6,264.40
6,313.73
6,363.46
6,413.57
6,464.07
6,514.98

22,587.22
22,426.20
22,263.92
22,100.35
21,935.49
21,769.34
21,601.88
21,433.10
21,262.99
21,091.54
20,918.75
20,744.59
20,569.06
20,392.14
20,213.84
20,034.13
19,853.00
19,670.45
19,486.46
19,301.02
19,114.12
18,925.75
18,735.89
18,544.55
18,351.69
18,157.31
17,961.41
17,763.96
17,564.96
17,364.39
17,162.24
16,958.49
16,753.15
16,546.18
16,337.59
16,127.36
15,915.46
15,701.90
15,486.66
15,269.72
15,051.08
14,830.71
14,608.61
14,384.76
14,159.14
13,931.75
13,702.57

3,100,473.75
3,093,855.76
3,087,185.65
3,080,463.01
3,073,687.43
3,066,858.49
3,059,975.78
3,053,038.86
3,046,047.32
3,039,000.72
3,031,898.62
3,024,740.60
3,017,526.21
3,010,255.00
3,002,926.54
2,995,540.36
2,988,096.01
2,980,593.05
2,973,030.99
2,965,409.39
2,957,727.76
2,949,985.64
2,942,182.55
2,934,318.02
2,926,391.55
2,918,402.66
2,910,350.85
2,902,235.64
2,894,056.52
2,885,812.99
2,877,504.55
2,869,130.67
2,860,690.85
2,852,184.56
2,843,611.29
2,834,970.51
2,826,261.68
2,817,484.26
2,808,637.73
2,799,721.52
2,790,735.11
2,781,677.92
2,772,549.41
2,763,349.01
2,754,076.16
2,744,730.29
2,735,310.81

6,566.28
6,617.99
6,670.11
6,722.64
6,775.58
6,828.94
6,882.71
6,936.92
6,991.54
7,046.60
7,102.09
7,158.02
7,214.39
7,271.21
7,328.47
7,386.18
7,444.34
7,502.97
7,562.05
7,621.61
7,681.63
7,742.12
7,803.09
7,864.54
7,926.47
7,988.89
8,051.80
8,115.21
8,179.12
8,243.53
8,308.45
8,373.88
8,439.82
8,506.28
8,573.27
8,640.79
8,708.83
8,777.41
8,846.54
8,916.20
8,986.42
9,057.19
9,128.51
9,200.40
9,272.85
9,345.87
9,419.47

13,471.58
13,238.78
13,004.14
12,767.65
12,529.30
12,289.08
12,046.96
11,802.93
11,556.99
11,309.10
11,059.27
10,807.46
10,553.68
10,297.89
10,040.10
9,780.27
9,518.39
9,254.46
8,988.44
8,720.33
8,450.11
8,177.76
7,903.26
7,626.61
7,347.77
7,066.74
6,783.50
6,498.02
6,210.30
5,920.31
5,628.04
5,333.47
5,036.57
4,737.34
4,435.75
4,131.79
3,825.43
3,516.66
3,205.46
2,891.81
2,575.69
2,257.08
1,935.96
1,612.31
1,286.11
957.35
625.99

2,725,817.16
2,716,248.75
2,706,604.98
2,696,885.27
2,687,089.02
2,677,215.62
2,667,264.47
2,657,234.95
2,647,126.45
2,636,938.35
2,626,670.01
2,616,320.81
2,605,890.12
2,595,377.28
2,584,781.65
2,574,102.58
2,563,339.41
2,552,491.48
2,541,558.13
2,530,538.68
2,519,432.44
2,508,238.75
2,496,956.90
2,485,586.22
2,474,125.98
2,462,575.50
2,450,934.06
2,439,200.94
2,427,375.42
2,415,456.78
2,403,444.28
2,391,337.18
2,379,134.73
2,366,836.19
2,354,440.80
2,341,947.80
2,329,356.41
2,316,665.87
2,303,875.39
2,290,984.18
2,277,991.46
2,264,896.42
2,251,698.25
2,238,396.15
2,224,989.30
2,211,476.86
2,197,858.02

9,493.65
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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0.00
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292.03
0.00
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2,184,131.93
2,170,297.74
2,156,354.61
2,142,301.68
2,128,138.08
2,113,862.94
2,099,475.39
2,084,974.53
2,070,359.48
2,055,629.34
2,040,783.20
2,025,820.14
2,010,739.25
1,995,539.60
1,980,220.25
1,964,780.26
1,949,218.68
1,933,534.55
1,917,726.91
1,901,794.78
1,885,737.19
1,869,553.15
1,853,241.65
1,836,801.71
1,820,232.30
1,803,532.40
1,786,700.99
1,769,737.04
1,752,639.49
1,735,407.31
1,718,039.41
1,700,534.75
1,682,892.24
1,665,110.79
1,647,189.31
1,629,126.70
1,610,921.85
1,592,573.64
1,574,080.93
1,555,442.59
1,536,657.48
1,517,724.43
1,498,642.29
1,479,409.87
1,460,026.00
1,440,489.48
1,420,799.11

0.00
0.00
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1,400,953.68
1,380,951.96
1,360,792.73
1,340,474.75
1,319,996.77
1,299,357.52
1,278,555.73
1,257,590.13
1,236,459.43
1,215,162.32
1,193,697.50
1,172,063.65
1,150,259.42
1,128,283.49
1,106,134.50
1,083,811.08
1,061,311.87
1,038,635.48
1,015,780.51
992,745.55
969,529.20
946,130.02
922,546.57
898,777.40
874,821.05
850,676.04
826,340.89
801,814.10
777,094.16
752,179.55
727,068.74
701,760.18
676,252.32
650,543.58
624,632.39
598,517.14
572,196.24
545,668.06
518,930.97
491,983.33
464,823.47
437,449.73
409,860.43
382,053.85
354,028.30
325,782.05
297,313.36

0.00
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268,620.48
239,701.64
210,555.06
181,178.96
151,571.52
121,730.92
91,655.33
61,342.89
30,791.74
0.00
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)

0.00
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(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)

0.00
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(31,034.22)
(31,034.22)
(31,034.22)
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(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
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(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)

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(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)

0.00
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(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)
(31,034.22)

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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0.00
0.00
0.00
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0.00
0.00
0.00
0.00
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0.00
0.00
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ur tax deductible amount etc. This excel calculates interest on a monthly basis instead of daily basis. It also

unt for a few days in the month, you save on total interest outgo. Your total outgo will also vary if the loan am

SBI MaxGain Home Loan

Drawing Power
(End of Month)
3,444,000.00
3,440,087.28
3,436,143.74
3,432,169.15
3,428,163.25
3,424,125.81
3,420,056.58
3,415,955.30
3,411,821.72
3,407,655.60
3,403,456.66
3,399,224.66
3,394,959.33
3,390,660.41
3,386,327.63
3,381,960.74
3,377,559.45
3,373,123.51
3,368,652.63
3,364,146.55

Surplus Deposit Surplus Balance

/ Withdrawal Amount
(End of Month)
0.00
0.00
40,000.00
40,000.00
40,000.00
80,000.00
40,000.00
120,000.00
40,000.00
160,000.00
40,000.00
200,000.00
40,000.00
240,000.00
40,000.00
280,000.00
40,000.00
320,000.00
12,000.00
332,000.00
12,000.00
344,000.00
12,000.00
356,000.00
12,000.00
368,000.00
12,000.00
380,000.00
12,000.00
392,000.00
12,000.00
404,000.00
12,000.00
416,000.00
12,000.00
428,000.00
12,000.00
440,000.00
12,000.00
452,000.00

3,359,604.98
3,355,027.64
3,350,414.26
3,345,764.55
3,341,078.22
3,336,354.99
3,331,594.56
3,326,796.64
3,321,960.94
3,317,087.16
3,312,174.99
3,307,224.15
3,302,234.31
3,297,205.18
3,292,136.45
3,287,027.80
3,281,878.92
3,276,689.49
3,271,459.19
3,266,187.71
3,260,874.72
3,255,519.88
3,250,122.87
3,244,683.37
3,239,201.02
3,233,675.51
3,228,106.48
3,222,493.59
3,216,836.50
3,211,134.87
3,205,388.33
3,199,596.54
3,193,759.14
3,187,875.76
3,181,946.06
3,175,969.66
3,169,946.20
3,163,875.30
3,157,756.59
3,151,589.70
3,145,374.25
3,139,109.84
3,132,796.11
3,126,432.65
3,120,019.09
3,113,555.01
3,107,040.03

12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00

464,000.00
476,000.00
488,000.00
500,000.00
512,000.00
524,000.00
536,000.00
548,000.00
560,000.00
572,000.00
584,000.00
596,000.00
608,000.00
620,000.00
632,000.00
644,000.00
656,000.00
668,000.00
680,000.00
692,000.00
704,000.00
716,000.00
728,000.00
740,000.00
752,000.00
764,000.00
776,000.00
788,000.00
800,000.00
812,000.00
824,000.00
836,000.00
848,000.00
860,000.00
872,000.00
884,000.00
896,000.00
908,000.00
920,000.00
932,000.00
944,000.00
956,000.00
968,000.00
980,000.00
992,000.00
1,004,000.00
1,016,000.00

3,100,473.75
3,093,855.76
3,087,185.65
3,080,463.01
3,073,687.43
3,066,858.49
3,059,975.78
3,053,038.86
3,046,047.32
3,039,000.72
3,031,898.62
3,024,740.60
3,017,526.21
3,010,255.00
3,002,926.54
2,995,540.36
2,988,096.01
2,980,593.05
2,973,030.99
2,965,409.39
2,957,727.76
2,949,985.64
2,942,182.55
2,934,318.02
2,926,391.55
2,918,402.66
2,910,350.85
2,902,235.64
2,894,056.52
2,885,812.99
2,877,504.55
2,869,130.67
2,860,690.85
2,852,184.56
2,843,611.29
2,834,970.51
2,826,261.68
2,817,484.26
2,808,637.73
2,799,721.52
2,790,735.11
2,781,677.92
2,772,549.41
2,763,349.01
2,754,076.16
2,744,730.29
2,735,310.81

12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00
12,000.00

1,028,000.00
1,040,000.00
1,052,000.00
1,064,000.00
1,076,000.00
1,088,000.00
1,100,000.00
1,112,000.00
1,124,000.00
1,136,000.00
1,148,000.00
1,160,000.00
1,172,000.00
1,184,000.00
1,196,000.00
1,208,000.00
1,220,000.00
1,232,000.00
1,244,000.00
1,256,000.00
1,268,000.00
1,280,000.00
1,292,000.00
1,304,000.00
1,316,000.00
1,328,000.00
1,340,000.00
1,352,000.00
1,364,000.00
1,376,000.00
1,388,000.00
1,400,000.00
1,412,000.00
1,424,000.00
1,436,000.00
1,448,000.00
1,460,000.00
1,472,000.00
1,484,000.00
1,496,000.00
1,508,000.00
1,520,000.00
1,532,000.00
1,544,000.00
1,556,000.00
1,568,000.00
1,580,000.00

2,725,817.16
0.00
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12,000.00
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12,000.00
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12,000.00
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1,592,000.00
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0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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thly basis instead of daily basis. It also assumes

ur total outgo will also vary if the loan amount is

Available Balance
(End of Month)
0.00
40,000.00
80,315.00
120,947.48
161,899.94
203,174.90
244,774.91
286,702.51
328,960.29
343,550.85
358,256.32
373,077.58
388,015.57
403,071.19
418,245.38
433,539.06
448,953.18
464,488.69
480,146.54
495,927.69

Book Balance
(End of Month)
(3,444,000.00)
(3,400,087.28)
(3,355,828.74)
(3,311,221.66)
(3,266,263.31)
(3,220,950.91)
(3,175,281.67)
(3,129,252.79)
(3,082,861.43)
(3,064,104.74)
(3,045,200.34)
(3,026,147.07)
(3,006,943.75)
(2,987,589.21)
(2,968,082.25)
(2,948,421.68)
(2,928,606.27)
(2,908,634.82)
(2,888,506.10)
(2,868,218.86)

511,833.12
527,863.81
544,020.73
560,304.90
576,717.30
593,258.95
609,930.86
626,734.07
643,669.60
660,738.50
677,941.81
695,280.60
712,755.94
730,368.89
748,120.55
766,012.00
784,044.34
802,218.69
820,536.16
838,997.88
857,604.99
876,358.63
895,259.96
914,310.13
933,510.32
952,861.71
972,365.50
992,022.88
1,011,835.06
1,031,803.26
1,051,928.71
1,072,212.65
1,092,656.32
1,113,260.99
1,134,027.92
1,154,958.39
1,176,053.69
1,197,315.11
1,218,743.97
1,240,341.58
1,262,109.27
1,284,048.38
1,306,160.26
1,328,446.27
1,350,907.78
1,373,546.18
1,396,362.86

(2,847,771.86)
(2,827,163.84)
(2,806,393.53)
(2,785,459.65)
(2,764,360.92)
(2,743,096.04)
(2,721,663.69)
(2,700,062.57)
(2,678,291.34)
(2,656,348.66)
(2,634,233.18)
(2,611,943.54)
(2,589,478.37)
(2,566,836.29)
(2,544,015.90)
(2,521,015.80)
(2,497,834.58)
(2,474,470.80)
(2,450,923.03)
(2,427,189.83)
(2,403,269.72)
(2,379,161.25)
(2,354,862.92)
(2,330,373.24)
(2,305,690.70)
(2,280,813.79)
(2,255,740.98)
(2,230,470.71)
(2,205,001.45)
(2,179,331.61)
(2,153,459.62)
(2,127,383.89)
(2,101,102.81)
(2,074,614.77)
(2,047,918.14)
(2,021,011.27)
(1,993,892.51)
(1,966,560.19)
(1,939,012.63)
(1,911,248.13)
(1,883,264.98)
(1,855,061.47)
(1,826,635.85)
(1,797,986.38)
(1,769,111.30)
(1,740,008.83)
(1,710,677.17)

1,419,359.22
1,442,536.67
1,465,896.65
1,489,440.58
1,513,169.93
1,537,086.14
1,561,190.69
1,585,485.07
1,609,970.77
1,634,649.29
1,659,522.15
1,684,590.89
1,709,857.04
1,735,322.16
1,760,987.83
1,786,855.60
1,812,927.09
1,839,203.89
1,865,687.62
1,892,379.91
1,919,282.41
1,946,396.75
1,973,724.63
2,001,267.71
2,029,027.69
2,057,006.29
2,085,205.21
2,113,626.20
2,142,271.01
2,171,141.39
2,200,239.13
2,229,566.01
2,259,123.85
2,288,914.45
2,318,939.65
2,349,201.30
2,379,701.26
2,410,441.41
2,441,423.63
2,472,649.84
2,504,121.96
2,535,841.92
2,567,811.68
2,600,033.19
2,632,508.45
2,665,239.46
2,698,228.22

(1,681,114.53)
(1,651,319.08)
(1,621,289.00)
(1,591,022.42)
(1,560,517.50)
(1,529,772.35)
(1,498,785.08)
(1,467,553.79)
(1,436,076.55)
(1,404,351.43)
(1,372,376.48)
(1,340,149.72)
(1,307,669.17)
(1,274,932.84)
(1,241,938.71)
(1,208,684.75)
(1,175,168.92)
(1,141,389.15)
(1,107,343.37)
(1,073,029.47)
(1,038,445.36)
(1,003,588.89)
(968,457.93)
(933,050.31)
(897,363.85)
(861,396.37)
(825,145.64)
(788,609.44)
(751,785.51)
(714,671.60)
(677,265.41)
(639,564.65)
(601,567.00)
(563,270.12)
(524,671.64)
(485,769.21)
(446,560.42)
(407,042.86)
(367,214.09)
(327,071.68)
(286,613.15)
(245,836.00)
(204,737.73)
(163,315.82)
(121,567.71)
(79,490.83)
(37,082.59)

2,731,476.77
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