Salaried Part-prepayment Simulation 1 (1)

8/11/2019 Salaried Part-prepayment Simulation 1 (1)

1/17

Input

800,000

-

800,000

6015.00% 15.00%

19,032

5-Jan-14

EMI

Date

Month Principal

Outstanding

Interest

Component

Principal

Component

EMI

Amount

5-Jan-14 1 800000 10000 9032 19032

5-Feb-14 2 790968 9887 9145 19032

5-Mar-14 3 781823 9773 9259 19032

5-Apr-14 4 772564 9657 9375 19032

5-May-14 5 763189 9540 9492 19032

5-Jun-14 6 753697 9421 9611 19032

5-Jul-14 7 744086 9301 9731 19032

5-Aug-14 8 734355 9179 9853 19032

5-Sep-14 9 724503 9056 9976 19032

5-Oct-14 10 714527 8932 10100 19032

5-Nov-14 11 704427 8805 10227 19032

5-Dec-14 12 694200 8678 10354 19032

5-Jan-15 13 683846 8548 10484 190325-Feb-15 14 673362 8417 10615 19032

5-Mar-15 15 662747 8284 10748 19032

5-Apr-15 16 652000 8150 10882 19032

5-May-15 17 641118 8014 11018 19032

5-Jun-15 18 630100 7876 11156 19032

5-Jul-15 19 618944 7737 11295 19032

5-Aug-15 20 607649 7596 11436 19032

5-Sep-15 21 596212 7453 11579 19032

5-Oct-15 22 584633 7308 11724 19032

5-Nov-15 23 572909 7161 11871 19032

5-Dec-15 24 561039 7013 12019 19032

5-Jan-16 25 549020 6863 12169 19032

5-Feb-16 26 536850 6711 12321 19032

5-Mar-16 27 524529 6557 12475 19032

5-Apr-16 28 512054 6401 12631 19032

5-May-16 29 499422 6243 12789 19032

5-Jun-16 30 486633 6083 12949 19032

5-Jul-16 31 473684 5921 13111 19032

Customer IRR

EMI Amount

First EMI Due date

Tenor

Customer Name

Loan Amount

Processing Fee

Group Insurance Charge

Disbursed Amount


2/17

5-Aug-16 32 460573 5757 13275 19032

5-Sep-16 33 447299 5591 13441 19032

5-Oct-16 34 433858 5423 13609 19032

5-Nov-16 35 420249 5253 13779 19032

5-Dec-16 36 406470 5081 13951 19032

5-Jan-17 37 392519 4906 14125 19032

5-Feb-17 38 378394 4730 14302 190325-Mar-17 39 364092 4551 14481 19032

5-Apr-17 40 349611 4370 14662 19032

5-May-17 41 334949 4187 14845 19032

5-Jun-17 42 320104 4001 15031 19032

5-Jul-17 43 305073 3813 15219 19032

5-Aug-17 44 289855 3623 15409 19032

5-Sep-17 45 274446 3431 15601 19032

5-Oct-17 46 258845 3236 15796 19032

5-Nov-17 47 243048 3038 15994 19032

5-Dec-17 48 227055 2838 16194 19032

5-Jan-18 49 210861 2636 16396 19032

5-Feb-18 50 194465 2431 16601 19032

5-Mar-18 51 177864 2223 16809 19032

5-Apr-18 52 161055 2013 17019 19032

5-May-18 53 144036 1800 17231 19032

5-Jun-18 54 126805 1585 17447 19032

5-Jul-18 55 109358 1367 17665 19032

5-Aug-18 56 91693 1146 17886 19032

5-Sep-18 57 73807 923 18109 19032

5-Oct-18 58 55698 696 18336 19032

5-Nov-18 59 37362 467 18565 190325-Dec-18 60 18797 235 18797 19032


3/17


4/17


5/17


6/17


7/17


8/17


9/17


10/17


11/17


12/17

Loan amount Rs. 200,000 Scheduled payment Rs. 7,229

Annual interest rate 17.99 % Scheduled number of payments 36

Loan period in years 3.00 Actual number of payments 36

Number of payments per year 12 Total early payments Rs. 0

Start date of loan 6/5/2013 Total interest Rs. 60,261

Optional extra payments Rs. 0

Pmt.

No.Payment Date Opening Balance EMI Amount

Part

Prepayment

Amount

Total Payment Principal Interest Endin

1 7/5/2013 Rs. 200,000 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 4,231 Rs. 2,998 R2 8 5 2013 Rs. 195,769 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 4,295 Rs. 2,935 R3 9 5 2013 Rs. 191,474 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 4,359 Rs. 2,871 R

4 10/5/2013 Rs. 187,115 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 4,424 Rs. 2,805 R

5 11/5/2013 Rs. 182,691 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 4,491 Rs. 2,739 R

6 12/5/2013 Rs. 178,200 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 4,558 Rs. 2,672 R

7 1/5/2014 Rs. 173,642 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 4,626 Rs. 2,603 R

8 2/5/2014 Rs. 169,016 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 4,696 Rs. 2,534 R

9 3/5/2014 Rs. 164,321 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 4,766 Rs. 2,463 R

10 4/5/2014 Rs. 159,554 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 4,837 Rs. 2,392 R

11 5/5/2014 Rs. 154,717 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 4,910 Rs. 2,319 R12 6/5/2014 Rs. 149,807 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 4,984 Rs. 2,246 R

13 7/5/2014 Rs. 144,823 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 5,058 Rs. 2,171 R

14 8/5/2014 Rs. 139,765 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 5,134 Rs. 2,095 R

15 9/5/2014 Rs. 134,631 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 5,211 Rs. 2,018 R

16 10/5/2014 Rs. 129,420 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 5,289 Rs. 1,940 R

17 11/5/2014 Rs. 124,130 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 5,369 Rs. 1,861 R

18 12/5/2014 Rs. 118,762 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 5,449 Rs. 1,780 R

19 1/5/2015 Rs. 113,313 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 5,531 Rs. 1,699 R

20 2/5/2015 Rs. 107,782 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 5,614 Rs. 1,616 R

21 3/5/2015 Rs. 102,168 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 5,698 Rs. 1,532

22 4/5/2015 Rs. 96,471 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 5,783 Rs. 1,446

23 5/5/2015 Rs. 90,687 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 5,870 Rs. 1,360

24 6/5/2015 Rs. 84,818 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 5,958 Rs. 1,272

25 7/5/2015 Rs. 78,860 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 6,047 Rs. 1,182

26 8/5/2015 Rs. 72,812 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 6,138 Rs. 1,09227 9/5/2015 Rs. 66,675 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 6,230 Rs. 1,000

Part Prepayment calculator - Please change the orange colored cells only

Enter values Origina

Revised

Loan summary

Interes

% of


13/17

Pmt.

No.Payment Date Opening Balance EMI Amount

Part

Prepayment

Amount

Total Payment Principal Interest End

28 10/5/2015 Rs. 60,445 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 6,323 Rs. 906

29 11/5/2015 Rs. 54,121 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 6,418 Rs. 811

30 12/5/2015 Rs. 47,703 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 6,514 Rs. 715

31 1/5/2016 Rs. 41,189 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 6,612 Rs. 617

32 2/5/2016 Rs. 34,577 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 6,711 Rs. 518

33 3/5/2016 Rs. 27,866 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 6,812 Rs. 418

34 4/5/2016 Rs. 21,054 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 6,914 Rs. 316

35 5/5/2016 Rs. 14,140 Rs. 7,229 Rs. 0 Rs. 7,229 Rs. 7,017 Rs. 212

36 6/5/2016 Rs. 7,123 Rs. 7,229 Rs. 0 Rs. 7,123 Rs. 7,016 Rs. 107

37 7/5/2016 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

38 8/5/2016 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

39 9/5/2016 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

40 10/5/2016 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

41 11/5/2016 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

42 12/5/2016 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

43 1/5/2017 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

44 2/5/2017 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

45 3/5/2017 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

46 4/5/2017 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

47 5/5/2017 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

48 6/5/2017 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

49 7/5/2017 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

50 8/5/2017 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 051 9/5/2017 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

52 10/5/2017 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

53 11/5/2017 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

54 12/5/2017 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

55 1/5/2018 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

56 2/5/2018 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

57 3/5/2018 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

58 4/5/2018 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

59 5/5/2018 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0

60 6/5/2018 Rs. 0 Rs. 7,229 Rs. 0 Rs. 0 Rs. 0 Rs. 0


14/17

Cumulative Interest

Rs. 2,998Rs. 5,933Rs. 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. 33,748Rs. 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

mount without prepayment 80493

ost prepayment

saved

41490

39003

48%


15/17

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. 60,261Rs. 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


16/17

CALL CENTRE No of Cases

Value

(Lacs)

DISBURSED 3 17.75

APPROVED 4 21.5

FOLLOW UP 21 65

IN PROCESS 0 0

NOT INTERESTED 44 181.5

NOT ELIGIBLE 20 83

NOT CONTACTABLE 2 4

OTHERS 5 24

REJECTED 5 22

HYD 104 418.75


17/17

8886884012 JASUBHAI NOVARTIS

9849234087 KRISHNA G NTT Pvt Ltd

9160607676 VISHNU R NTTDATA

Salaried Part-prepayment Simulation 1 (1)

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