Salaried Part-prepayment Simulation 1 (1)
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Transcript of Salaried Part-prepayment Simulation 1 (1)
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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
-
8/11/2019 Salaried Part-prepayment Simulation 1 (1)
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
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8/11/2019 Salaried Part-prepayment Simulation 1 (1)
3/17
-
8/11/2019 Salaried Part-prepayment Simulation 1 (1)
4/17
-
8/11/2019 Salaried Part-prepayment Simulation 1 (1)
5/17
-
8/11/2019 Salaried Part-prepayment Simulation 1 (1)
6/17
-
8/11/2019 Salaried Part-prepayment Simulation 1 (1)
7/17
-
8/11/2019 Salaried Part-prepayment Simulation 1 (1)
8/17
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8/11/2019 Salaried Part-prepayment Simulation 1 (1)
9/17
-
8/11/2019 Salaried Part-prepayment Simulation 1 (1)
10/17
-
8/11/2019 Salaried Part-prepayment Simulation 1 (1)
11/17
-
8/11/2019 Salaried Part-prepayment Simulation 1 (1)
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
-
8/11/2019 Salaried Part-prepayment Simulation 1 (1)
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
-
8/11/2019 Salaried Part-prepayment Simulation 1 (1)
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%
-
8/11/2019 Salaried Part-prepayment Simulation 1 (1)
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
-
8/11/2019 Salaried Part-prepayment Simulation 1 (1)
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
-
8/11/2019 Salaried Part-prepayment Simulation 1 (1)
17/17
8886884012 JASUBHAI NOVARTIS
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9160607676 VISHNU R NTTDATA