Income Tax Planner India

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Income Tax Planner India Powered By Docstoc
					                         Calculate Eligibility of the Customer




                Compare SMART HOME             Compare SMART HOME
The Mortgage           with a                    with competition
  Planner         Normal Home Loan                special offers
(Click on the
   desired
   option)


                Basic EMI / Tenor / Loan Amount and Interest calculator
of the Customer




  Compare SMART HOME
    with competition
     special offers




unt and Interest calculator
              EMI Calculator                          Interest Rate Calculator
Loan Amount (INR)               1,000,000 Loan Amount (INR)
Rate of interest                    7.00% EMI (INR)
Tenor (months)                        221 Tenor (months)
EMI (In INR)                        8,063 Rate of interest

             Tenor Calculator                         Loan Amount Calculator
Loan Amount (INR)                100,000 Tenor (months)
EMI (INR)                            900 EMI (INR)
Rate of interest                   9.00% Rate of interest
Tenor (months)                       240 Loan Amount (INR)

                            Please input fields in blue font only.

Click here for disclaimer
 ate Calculator
                  1,800,000
                     17,202   Back to Main

                        180
                      8.00%

ount Calculator
                       240
                       900
                     9.00%
                   100,030
                       Eligibility Calculator                               (input cells in blue font only)
Loan Tenure (months)                                       240
                                                                                 Please input only those cells in   Back to Main
Interest Rate                                            8.00%                   blue font.
Gross Annual Income (INR)                              600,000
Net Annual Income (INR)                                  438,301
                                                                                 Living xpenses assumed at 35%
Net Monthly Income (INR)                                  36,525                 Please input the relevant % as
Living Expenses                                           12,784      35%        per the DIR grid
Other Loan instalments                                    2,000
Max permissible EMI                                       16,263
Revised monthly net income after
                                                           40,463
considering tax SOPs (working below)
Max permissible EMI (revised)                             17,701
EMI per lac                                                  836
                                                                                  Indicative Loan Amount
Final loan eligibility (indicative)                   2,116,251

                              Income Tax Working

                                                      Pre Loan      Post Loan

Gross Annual Salary                                      600,000       600,000
Interest paid on housing loan in Year 1                       Nil      150,000

Taxable income                                           600,000       450,000

Tax Rate

0 - 50,000                                       0%          -             -
50,001 - 60,000                                 10%        1,000         1,000
60,001 - 150,000                                20%       18,000        18,000
> 150,000                                       30%      135,000        90,000

Tax liability                                            153,999       108,999

Surcharge                                       5%         7,700         5,450

Total Tax Liability                                      161,699       114,449

Monthly Liability                                12       13,475         9,537

Saving in tax to be added back to monthly income                         3,938

Net Salary                                               438,301       335,551
                       Amortisation Schedule

Tenure                   240
Rate                   8.00%
EMI                   16,263
Loan Amount        1,944,255

Month          Principal O/S Principal Repaid   Interest     EMI

           0       (1,944,255)                              (1,944,255)
           1        1,944,255           3,301      12,962       16,263
           2        1,940,954           3,323      12,940       16,263
           3        1,937,631           3,345      12,918       16,263
           4        1,934,286           3,367      12,895       16,263
           5        1,930,919           3,390      12,873       16,263
           6        1,927,529           3,412      12,850       16,263
           7        1,924,117           3,435      12,827       16,263
           8        1,920,682           3,458      12,805       16,263
           9        1,917,224           3,481      12,781       16,263
          10        1,913,743           3,504      12,758       16,263
          11        1,910,238           3,528      12,735       16,263
          12        1,906,711           3,551      12,711       16,263
          13        1,903,160           3,575      12,688       16,263
          14        1,899,585           3,599      12,664       16,263
          15        1,895,986           3,623      12,640       16,263
          16        1,892,364           3,647      12,616       16,263
          17        1,888,717           3,671      12,591       16,263
          18        1,885,046           3,696      12,567       16,263
          19        1,881,350           3,720      12,542       16,263
          20        1,877,630           3,745      12,518       16,263
          21        1,873,885           3,770      12,493       16,263
          22        1,870,115           3,795      12,467       16,263
          23        1,866,320           3,820      12,442       16,263
          24        1,862,500           3,846      12,417       16,263
          25        1,858,654           3,872      12,391       16,263
          26        1,854,782           3,897      12,365       16,263
          27        1,850,885           3,923      12,339       16,263
          28        1,846,962           3,949      12,313       16,263
          29        1,843,012           3,976      12,287       16,263
          30        1,839,036           4,002      12,260       16,263
          31        1,835,034           4,029      12,234       16,263
          32        1,831,005           4,056      12,207       16,263
          33        1,826,949           4,083      12,180       16,263
          34        1,822,867           4,110      12,152       16,263
          35        1,818,756           4,137      12,125       16,263
          36        1,814,619           4,165      12,097       16,263
          37        1,810,454           4,193      12,070       16,263
          38        1,806,261           4,221      12,042       16,263
          39        1,802,040           4,249      12,014       16,263
          40        1,797,791           4,277      11,985       16,263
          41        1,793,514           4,306      11,957       16,263
          42        1,789,208           4,334      11,928       16,263
43   1,784,874   4,363   11,899   16,263
44   1,780,511   4,392   11,870   16,263
45   1,776,118   4,422   11,841   16,263
46   1,771,696   4,451   11,811   16,263
47   1,767,245   4,481   11,782   16,263
48   1,762,764   4,511   11,752   16,263
49   1,758,253   4,541   11,722   16,263
50   1,753,713   4,571   11,691   16,263
51   1,749,142   4,602   11,661   16,263
52   1,744,540   4,632   11,630   16,263
53   1,739,908   4,663   11,599   16,263
54   1,735,245   4,694   11,568   16,263
55   1,730,550   4,726   11,537   16,263
56   1,725,825   4,757   11,505   16,263
57   1,721,068   4,789   11,474   16,263
58   1,716,279   4,821   11,442   16,263
59   1,711,458   4,853   11,410   16,263
60   1,706,606   4,885   11,377   16,263
61   1,701,720   4,918   11,345   16,263
62   1,696,803   4,951   11,312   16,263
63   1,691,852   4,984   11,279   16,263
64   1,686,869   5,017   11,246   16,263
65   1,681,852   5,050   11,212   16,263
66   1,676,802   5,084   11,179   16,263
67   1,671,718   5,118   11,145   16,263
68   1,666,600   5,152   11,111   16,263
69   1,661,448   5,186   11,076   16,263
70   1,656,262   5,221   11,042   16,263
71   1,651,041   5,256   11,007   16,263
72   1,645,786   5,291   10,972   16,263
73   1,640,495   5,326   10,937   16,263
74   1,635,169   5,361   10,901   16,263
75   1,629,808   5,397   10,865   16,263
76   1,624,411   5,433   10,829   16,263
77   1,618,978   5,469   10,793   16,263
78   1,613,508   5,506   10,757   16,263
79   1,608,002   5,543   10,720   16,263
80   1,602,460   5,579   10,683   16,263
81   1,596,880   5,617   10,646   16,263
82   1,591,264   5,654   10,608   16,263
83   1,585,610   5,692   10,571   16,263
84   1,579,918   5,730   10,533   16,263
85   1,574,188   5,768   10,495   16,263
86   1,568,420   5,806   10,456   16,263
87   1,562,614   5,845   10,417   16,263
88   1,556,769   5,884   10,378   16,263
89   1,550,885   5,923   10,339   16,263
90   1,544,961   5,963   10,300   16,263
91   1,538,999   6,003   10,260   16,263
92   1,532,996   6,043   10,220   16,263
93   1,526,953   6,083   10,180   16,263
94   1,520,871   6,123   10,139   16,263
 95   1,514,747   6,164   10,098   16,263
 96   1,508,583   6,205   10,057   16,263
 97   1,502,378   6,247   10,016   16,263
 98   1,496,131   6,288    9,974   16,263
 99   1,489,843   6,330    9,932   16,263
100   1,483,512   6,372    9,890   16,263
101   1,477,140   6,415    9,848   16,263
102   1,470,725   6,458    9,805   16,263
103   1,464,267   6,501    9,762   16,263
104   1,457,767   6,544    9,718   16,263
105   1,451,223   6,588    9,675   16,263
106   1,444,635   6,632    9,631   16,263
107   1,438,003   6,676    9,587   16,263
108   1,431,327   6,720    9,542   16,263
109   1,424,607   6,765    9,497   16,263
110   1,417,842   6,810    9,452   16,263
111   1,411,032   6,856    9,407   16,263
112   1,404,176   6,901    9,361   16,263
113   1,397,275   6,947    9,315   16,263
114   1,390,327   6,994    9,269   16,263
115   1,383,334   7,040    9,222   16,263
116   1,376,293   7,087    9,175   16,263
117   1,369,206   7,134    9,128   16,263
118   1,362,072   7,182    9,080   16,263
119   1,354,890   7,230    9,033   16,263
120   1,347,660   7,278    8,984   16,263
121   1,340,381   7,327    8,936   16,263
122   1,333,055   7,375    8,887   16,263
123   1,325,679   7,425    8,838   16,263
124   1,318,255   7,474    8,788   16,263
125   1,310,781   7,524    8,739   16,263
126   1,303,257   7,574    8,688   16,263
127   1,295,682   7,625    8,638   16,263
128   1,288,058   7,675    8,587   16,263
129   1,280,382   7,727    8,536   16,263
130   1,272,656   7,778    8,484   16,263
131   1,264,877   7,830    8,433   16,263
132   1,257,047   7,882    8,380   16,263
133   1,249,165   7,935    8,328   16,263
134   1,241,230   7,988    8,275   16,263
135   1,233,243   8,041    8,222   16,263
136   1,225,202   8,095    8,168   16,263
137   1,217,107   8,148    8,114   16,263
138   1,208,959   8,203    8,060   16,263
139   1,200,756   8,257    8,005   16,263
140   1,192,499   8,313    7,950   16,263
141   1,184,186   8,368    7,895   16,263
142   1,175,818   8,424    7,839   16,263
143   1,167,394   8,480    7,783   16,263
144   1,158,915   8,536    7,726   16,263
145   1,150,378   8,593    7,669   16,263
146   1,141,785   8,651    7,612   16,263
147   1,133,134    8,708   7,554   16,263
148   1,124,426    8,766   7,496   16,263
149   1,115,659    8,825   7,438   16,263
150   1,106,835    8,884   7,379   16,263
151   1,097,951    8,943   7,320   16,263
152   1,089,008    9,002   7,260   16,263
153   1,080,006    9,062   7,200   16,263
154   1,070,943    9,123   7,140   16,263
155   1,061,820    9,184   7,079   16,263
156   1,052,637    9,245   7,018   16,263
157   1,043,392    9,307   6,956   16,263
158   1,034,085    9,369   6,894   16,263
159   1,024,716    9,431   6,831   16,263
160   1,015,285    9,494   6,769   16,263
161   1,005,791    9,557   6,705   16,263
162     996,234    9,621   6,642   16,263
163     986,613    9,685   6,577   16,263
164     976,928    9,750   6,513   16,263
165     967,178    9,815   6,448   16,263
166     957,364    9,880   6,382   16,263
167     947,484    9,946   6,317   16,263
168     937,538   10,012   6,250   16,263
169     927,525   10,079   6,184   16,263
170     917,446   10,146   6,116   16,263
171     907,300   10,214   6,049   16,263
172     897,086   10,282   5,981   16,263
173     886,804   10,350   5,912   16,263
174     876,454   10,420   5,843   16,263
175     866,034   10,489   5,774   16,263
176     855,545   10,559   5,704   16,263
177     844,987   10,629   5,633   16,263
178     834,357   10,700   5,562   16,263
179     823,657   10,771   5,491   16,263
180     812,886   10,843   5,419   16,263
181     802,042   10,916   5,347   16,263
182     791,127   10,988   5,274   16,263
183     780,138   11,062   5,201   16,263
184     769,077   11,135   5,127   16,263
185     757,941   11,210   5,053   16,263
186     746,732   11,284   4,978   16,263
187     735,448   11,360   4,903   16,263
188     724,088   11,435   4,827   16,263
189     712,653   11,512   4,751   16,263
190     701,141   11,588   4,674   16,263
191     689,553   11,666   4,597   16,263
192     677,887   11,743   4,519   16,263
193     666,144   11,822   4,441   16,263
194     654,323   11,900   4,362   16,263
195     642,422   11,980   4,283   16,263
196     630,443   12,060   4,203   16,263
197     618,383   12,140   4,123   16,263
198     606,243   12,221   4,042   16,263
199   594,022      12,302       3,960      16,263
200   581,720      12,384       3,878      16,263
201   569,335      12,467       3,796      16,263
202   556,868      12,550       3,712      16,263
203   544,318      12,634       3,629      16,263
204   531,685      12,718       3,545      16,263
205   518,967      12,803       3,460      16,263
206   506,164      12,888       3,374      16,263
207   493,276      12,974       3,289      16,263
208   480,302      13,061       3,202      16,263
209   467,241      13,148       3,115      16,263
210   454,094      13,235       3,027      16,263
211   440,858      13,323       2,939      16,263
212   427,535      13,412       2,850      16,263
213   414,123      13,502       2,761      16,263
214   400,621      13,592       2,671      16,263
215   387,029      13,682       2,580      16,263
216   373,347      13,774       2,489      16,263
217   359,573      13,865       2,397      16,263
218   345,708      13,958       2,305      16,263
219   331,750      14,051       2,212      16,263
220   317,699      14,145       2,118      16,263
221   303,555      14,239       2,024      16,263
222   289,316      14,334       1,929      16,263
223   274,982      14,429       1,833      16,263
224   260,553      14,526       1,737      16,263
225   246,027      14,622       1,640      16,263
226   231,405      14,720       1,543      16,263
227   216,685      14,818       1,445      16,263
228   201,867      14,917       1,346      16,263
229   186,950      15,016       1,246      16,263
230   171,934      15,116       1,146      16,263
231   156,818      15,217       1,045      16,263
232   141,601      15,319         944      16,263
233   126,282      15,421         842      16,263
234   110,862      15,523         739      16,263
235    95,338      15,627         636      16,263
236    79,711      15,731         531      16,263
237    63,980      15,836         427      16,263
238    48,144      15,942         321      16,263
239    32,203      16,048         215      16,263
240    16,155      16,155         108      16,263
                1,944,255   1,958,751   3,903,006
                 (Input only blue font)                Normal Home Loan      Smart Home 'A'       Smart Home 'B'
Loan Amount                                                       900,000              900,000           900,000
Rate of Interest                                                     8.50%                8.25%            8.25%                    Back to Main
Tenure (in months)                                                     120                  120              120
Excess Deposit                                                         -                 4,000           100,000
EMI                                                                 11,159              11,115            11,115       Smart Home A Amortisation Schedule
Smart Home 'A' - is when the customer deposits an incremental amount every month
                                                                                                                       Smart Home B Amortisation Schedule
Smart Home 'B' - is when the customer maintains a constant deposits from the start of the loan
                                                                                                                       Normal loan Amortisation Schedule
Interest Saving                                            Normal Home Loan    Smart Home 'A'   Smart Home 'B'
Interest paid                                                          439,045         265,959          317,222
Interest saving over the tenor of the loan                                             173,087          121,824        Graphical Comparison of amortisation of different schemes
% Saving                                                                                    39%              28%
                                                                                                                       Assumptions
Tenor Saving                                               Normal Home Loan   Smart Home 'A'    Smart Home 'B'
Tenor                                                                     120                78              101
Saving in no. of EMIs                                                                        42               19
% Saving                                                                                   35%               16%

Interest rate on normal loan for similar interest payout                 8.50%            5.39%              6.33%


Assumptions
1. Smart Home A:The customer saves an incremental amount of specified amount in scheme A every month from his income and the same is deposited into the Smart Home Account
2.Smart Home B: The customer deposits amount mentioned in Smart home B as deposit which remains with the Bank till the end of the period.
3. There is no change in the EMI over the tenor of the loans
4. The EMi is calculated based monthly rests
5. The excess paid by the customer will be credited to the Smart Home account and hence halp save interest cost is subsequent months.
6. EMI is calculated daily but charged on a monthly basis.
7, Interest on Smart Home loans are based on 31 day month basis.


Click here for disclaimer
                                                              Amortization schedule comparing normal and smart home schemes


                         1,000,000
                           900,000
Balance Loan principal




                           800,000
                           700,000
                           600,000
                           500,000
                           400,000
                           300,000
                           200,000
                           100,000
                                -
                                     1    14   27   40   53    66   79    92 105 118 131 144 157 170 183 196 209 222 235 248 261 274
                                                                                      Number of Equal monthly installments

                                                                                      Normal Loan      Smart Loan A            Smart Loan B


                                                Smart Home A                                                                      Smart Home B




                                                                                                                               28%
                                                39%

                                                                    61%                                                                        72%




                          Interest paid        Interest saving over the tenor of the loan                      Interest paid      Interest saving over the tenor of the loan
                                             Back to cover Sheet




            274 287 300 313 326 339 352




Smart Home B




             72%




Interest saving over the tenor of the loan
                              Loan Details
                     Loan Amount                                900,000
                    Rate of Interest                              8.50%
                   Tenure (in months)                               120
                          EMI                                    11,159

Month   Opening Balance      EMI             Principal      Interest      Reduced Limits
 0           (900,000)
 1              900,000         11,159              4,784         6,375          895,216
 2              895,216         11,159              4,818         6,341          890,399
 3              890,399         11,159              4,852         6,307          885,547
 4              885,547         11,159              4,886         6,273          880,661
 5              880,661         11,159              4,921         6,238          875,740
 6              875,740         11,159              4,956         6,203          870,785
 7              870,785         11,159              4,991         6,168          865,794
 8              865,794         11,159              5,026         6,133          860,768
 9              860,768         11,159              5,062         6,097          855,706
 10             855,706         11,159              5,097         6,061          850,609
 11             850,609         11,159              5,134         6,025          845,475
 12             845,475         11,159              5,170         5,989          840,305
 13             840,305         11,159              5,207         5,952          835,099
 14             835,099         11,159              5,243         5,915          829,855
 15             829,855         11,159              5,281         5,878          824,575
 16             824,575         11,159              5,318         5,841          819,257
 17             819,257         11,159              5,356         5,803          813,901
 18             813,901         11,159              5,394         5,765          808,508
 19             808,508         11,159              5,432         5,727          803,076
 20             803,076         11,159              5,470         5,688          797,606
 21             797,606         11,159              5,509         5,650          792,097
 22             792,097         11,159              5,548         5,611          786,549
 23             786,549         11,159              5,587         5,571          780,961
 24             780,961         11,159              5,627         5,532          775,334
 25             775,334         11,159              5,667         5,492          769,668
 26             769,668         11,159              5,707         5,452          763,961
 27             763,961         11,159              5,747         5,411          758,213
 28             758,213         11,159              5,788         5,371          752,425
 29             752,425         11,159              5,829         5,330          746,596
 30             746,596         11,159              5,870         5,288          740,726
 31             740,726         11,159              5,912         5,247          734,814
 32             734,814         11,159              5,954         5,205          728,860
 33             728,860         11,159              5,996         5,163          722,864
 34             722,864         11,159              6,038         5,120          716,826
 35             716,826         11,159              6,081         5,078          710,745
 36             710,745         11,159              6,124         5,034          704,620
 37             704,620         11,159              6,168         4,991          698,453
 38             698,453         11,159              6,211         4,947          692,241
 39             692,241         11,159              6,255         4,903          685,986
 40             685,986         11,159              6,300         4,859          679,687
 41             679,687         11,159              6,344         4,814          673,342
 42             673,342         11,159              6,389         4,770          666,953
 43             666,953         11,159              6,434         4,724          660,519
 44             660,519         11,159              6,480         4,679          654,039
45   654,039   11,159   6,526   4,633   647,513
46   647,513   11,159   6,572   4,587   640,940
47   640,940   11,159   6,619   4,540   634,322
48   634,322   11,159   6,666   4,493   627,656
49   627,656   11,159   6,713   4,446   620,943
50   620,943   11,159   6,760   4,398   614,183
51   614,183   11,159   6,808   4,350   607,375
52   607,375   11,159   6,856   4,302   600,518
53   600,518   11,159   6,905   4,254   593,613
54   593,613   11,159   6,954   4,205   586,659
55   586,659   11,159   7,003   4,156   579,656
56   579,656   11,159   7,053   4,106   572,603
57   572,603   11,159   7,103   4,056   565,500
58   565,500   11,159   7,153   4,006   558,347
59   558,347   11,159   7,204   3,955   551,144
60   551,144   11,159   7,255   3,904   543,889
61   543,889   11,159   7,306   3,853   536,583
62   536,583   11,159   7,358   3,801   529,225
63   529,225   11,159   7,410   3,749   521,815
64   521,815   11,159   7,463   3,696   514,352
65   514,352   11,159   7,515   3,643   506,837
66   506,837   11,159   7,569   3,590   499,268
67   499,268   11,159   7,622   3,536   491,646
68   491,646   11,159   7,676   3,482   483,970
69   483,970   11,159   7,731   3,428   476,239
70   476,239   11,159   7,785   3,373   468,454
71   468,454   11,159   7,840   3,318   460,613
72   460,613   11,159   7,896   3,263   452,717
73   452,717   11,159   7,952   3,207   444,765
74   444,765   11,159   8,008   3,150   436,757
75   436,757   11,159   8,065   3,094   428,692
76   428,692   11,159   8,122   3,037   420,570
77   420,570   11,159   8,180   2,979   412,390
78   412,390   11,159   8,238   2,921   404,153
79   404,153   11,159   8,296   2,863   395,857
80   395,857   11,159   8,355   2,804   387,502
81   387,502   11,159   8,414   2,745   379,088
82   379,088   11,159   8,474   2,685   370,614
83   370,614   11,159   8,534   2,625   362,081
84   362,081   11,159   8,594   2,565   353,487
85   353,487   11,159   8,655   2,504   344,832
86   344,832   11,159   8,716   2,443   336,116
87   336,116   11,159   8,778   2,381   327,338
88   327,338   11,159   8,840   2,319   318,498
89   318,498   11,159   8,903   2,256   309,595
90   309,595   11,159   8,966   2,193   300,630
91   300,630   11,159   9,029   2,129   291,600
92   291,600   11,159   9,093   2,066   282,507
93   282,507   11,159   9,158   2,001   273,349
94   273,349   11,159   9,222   1,936   264,127
95   264,127   11,159   9,288   1,871   254,839
96   254,839   11,159   9,354   1,805   245,486
 97   245,486   11,159    9,420    1,739   236,066
 98   236,066   11,159    9,487    1,672   226,579
 99   226,579   11,159    9,554    1,605   217,025
100   217,025   11,159    9,621    1,537   207,404
101   207,404   11,159    9,690    1,469   197,714
102   197,714   11,159    9,758    1,400   187,956
103   187,956   11,159    9,827    1,331   178,129
104   178,129   11,159    9,897    1,262   168,232
105   168,232   11,159    9,967    1,192   158,265
106   158,265   11,159   10,038    1,121   148,227
107   148,227   11,159   10,109    1,050   138,118
108   138,118   11,159   10,180      978   127,938
109   127,938   11,159   10,252      906   117,685
110   117,685   11,159   10,325      834   107,360
111   107,360   11,159   10,398      760    96,962
112    96,962   11,159   10,472      687    86,490
113    86,490   11,159   10,546      613    75,944
114    75,944   11,159   10,621      538    65,323
115    65,323   11,159   10,696      463    54,627
116    54,627   11,159   10,772      387    43,855
117    43,855   11,159   10,848      311    33,007
118    33,007   11,159   10,925      234    22,083
119    22,083   11,159   11,002      156    11,080
120    11,080   11,159   11,080       78         0
121         0      -         (0)       0         0
122         0      -         (0)       0         0
123         0      -         (0)       0         0
124         0      -         (0)       0         0
125         0      -         (0)       0         0
126         0      -         (0)       0         0
127         0      -         (0)       0         0
128         0      -         (0)       0         0
129         0      -         (0)       0         0
130         0      -         (0)       0         0
131         0      -         (0)       0         0
132         0      -         (0)       0         0
133         0      -         (0)       0         0
134         0      -         (0)       0         0
135         0      -         (0)       0         0
136         0      -         (0)       0         0
137         0      -         (0)       0         0
138         0      -         (0)       0         0
139         0      -         (0)       0         0
140         0      -         (0)       0         0
141         0      -         (0)       0         0
142         0      -         (0)       0         0
143         0      -         (0)       0         0
144         0      -         (0)       0         0
145         0      -         (0)       0         0
146         0      -         (0)       0         0
147         0      -         (0)       0         0
148         0      -         (0)       0         0
149   0   -   (0)   0   0
150   0   -   (0)   0   0
151   0   -   (0)   0   0
152   0   -   (0)   0   0
153   0   -   (0)   0   0
154   0   -   (0)   0   0
155   0   -   (0)   0   0
156   0   -   (0)   0   0
157   0   -   (0)   0   0
158   0   -   (0)   0   0
159   0   -   (0)   0   0
160   0   -   (0)   0   0
161   0   -   (0)   0   0
162   0   -   (0)   0   0
163   0   -   (0)   0   0
164   0   -   (0)   0   0
165   0   -   (0)   0   0
166   0   -   (0)   0   0
167   0   -   (0)   0   0
168   0   -   (0)   0   0
169   0   -   (0)   0   0
170   0   -   (0)   0   0
171   0   -   (0)   0   0
172   0   -   (0)   0   0
173   0   -   (0)   0   0
174   0   -   (0)   0   0
175   0   -   (0)   0   0
176   0   -   (0)   0   0
177   0   -   (0)   0   0
178   0   -   (0)   0   0
179   0   -   (0)   0   0
180   0   -   (0)   0   0
181   0   -   (0)   0   0
182   0   -   (0)   0   0
183   0   -   (0)   0   0
184   0   -   (0)   0   0
185   0   -   (0)   0   0
186   0   -   (0)   0   0
187   0   -   (0)   0   0
188   0   -   (0)   0   0
189   0   -   (0)   0   0
190   0   -   (0)   0   0
191   0   -   (0)   0   0
192   0   -   (0)   0   0
193   0   -   (0)   0   0
194   0   -   (0)   0   0
195   0   -   (0)   0   0
196   0   -   (0)   0   0
197   0   -   (0)   0   0
198   0   -   (0)   0   0
199   0   -   (0)   0   0
200   0   -   (0)   0   0
201   0   -   (0)   0   0
202   0   -   (0)   0   0
203   0   -   (0)   0   0
204   0   -   (0)   0   0
205   0   -   (0)   0   0
206   0   -   (0)   0   0
207   0   -   (0)   0   0
208   0   -   (0)   0   0
209   0   -   (0)   0   0
210   0   -   (0)   0   0
211   0   -   (0)   0   0
212   0   -   (0)   0   0
213   0   -   (0)   0   0
214   0   -   (0)   0   0
215   0   -   (0)   0   0
216   0   -   (0)   0   0
217   0   -   (0)   0   0
218   0   -   (0)   0   0
219   0   -   (0)   0   0
220   0   -   (0)   0   0
221   0   -   (0)   0   0
222   0   -   (0)   0   0
223   0   -   (0)   0   0
224   0   -   (0)   0   0
225   0   -   (0)   0   0
226   0   -   (0)   0   0
227   0   -   (0)   0   0
228   0   -   (0)   0   0
229   0   -   (0)   0   0
230   0   -   (0)   0   0
231   0   -   (0)   0   0
232   0   -   (0)   0   0
233   0   -   (0)   0   0
234   0   -   (0)   0   0
235   0   -   (0)   0   0
236   0   -   (0)   0   0
237   0   -   (0)   0   0
238   0   -   (0)   0   0
239   0   -   (0)   0   0
240   0   -   (0)   0   0
241   0   -   (0)   0   0
242   0   -   (0)   0   0
243   0   -   (0)   0   0
244   0   -   (0)   0   0
245   0   -   (0)   0   0
246   0   -   (0)   0   0
247   0   -   (0)   0   0
248   0   -   (0)   0   0
249   0   -   (0)   0   0
250   0   -   (0)   0   0
251   0   -   (0)   0   0
252   0   -   (0)   0   0
253   0   -   (0)   0   0
254   0   -   (0)   0   0
255   0   -   (0)   0   0
256   0   -   (0)   0   0
257   0   -   (0)   0   0
258   0   -   (0)   0   0
259   0   -   (0)   0   0
260   0   -   (0)   0   0
261   0   -   (0)   0   0
262   0   -   (0)   0   0
263   0   -   (0)   0   0
264   0   -   (0)   0   0
265   0   -   (0)   0   0
266   0   -   (0)   0   0
267   0   -   (0)   0   0
268   0   -   (0)   0   0
269   0   -   (0)   0   0
270   0   -   (0)   0   0
271   0   -   (0)   0   0
272   0   -   (0)   0   0
273   0   -   (0)   0   0
274   0   -   (0)   0   0
275   0   -   (0)   0   0
276   0   -   (0)   0   0
277   0   -   (0)   0   0
278   0   -   (0)   0   0
279   0   -   (0)   0   0
280   0   -   (0)   0   0
281   0   -   (0)   0   0
282   0   -   (0)   0   0
283   0   -   (0)   0   0
284   0   -   (0)   0   0
285   0   -   (0)   0   0
286   0   -   (0)   0   0
287   0   -   (0)   0   0
288   0   -   (0)   0   0
289   0   -   (0)   0   0
290   0   -   (0)   0   0
291   0   -   (0)   0   0
292   0   -   (0)   0   0
293   0   -   (0)   0   0
294   0   -   (0)   0   0
295   0   -   (0)   0   0
296   0   -   (0)   0   0
297   0   -   (0)   0   0
298   0   -   (0)   0   0
299   0   -   (0)   0   0
300   0   -   (0)   0   0
301   0   -   (0)   0   0
302   0   -   (0)   0   0
303   0   -   (0)   0   0
304   0   -   (0)   0   0
305   0   -   (0)   0   0
306   0   -   (0)   0   0
307   0   -   (0)   0   0
308   0   -   (0)   0   0
309   0   -   (0)   0   0
310   0   -   (0)   0   0
311   0   -   (0)   0   0
312   0   -   (0)   0   0
313   0   -   (0)   0   0
314   0   -   (0)   0   0
315   0   -   (0)   0   0
316   0   -   (0)   0   0
317   0   -   (0)   0   0
318   0   -   (0)   0   0
319   0   -   (0)   0   0
320   0   -   (0)   0   0
321   0   -   (0)   0   0
322   0   -   (0)   0   0
323   0   -   (0)   0   0
324   0   -   (0)   0   0
325   0   -   (0)   0   0
326   0   -   (0)   0   0
327   0   -   (0)   0   0
328   0   -   (0)   0   0
329   0   -   (0)   0   0
330   0   -   (0)   0   0
331   0   -   (0)   0   0
332   0   -   (0)   0   0
333   0   -   (0)   0   0
334   0   -   (0)   0   0
335   0   -   (0)   0   0
336   0   -   (0)   0   0
337   0   -   (0)   0   0
338   0   -   (0)   0   0
339   0   -   (0)   0   0
340   0   -   (0)   0   0
341   0   -   (0)   0   0
342   0   -   (0)   0   0
343   0   -   (0)   0   0
344   0   -   (0)   0   0
345   0   -   (0)   0   0
346   0   -   (0)   0   0
347   0   -   (0)   0   0
348   0   -   (0)   0   0
349   0   -   (0)   0   0
350   0   -   (0)   0   0
351   0   -   (0)   0   0
352   0   -   (0)   0   0
353   0   -   (0)   0   0
354   0   -   (0)   0   0
355   0   -   (0)   0   0
356   0   -   (0)   0   0
357   0          -          (0)          0       0
358   0          -          (0)          0       0
359   0          -          (0)          0       0
360   0          -          (0)          0       0
361   0          -          (0)          0   -
          1,339,045   900,000     439,045
Back to cover Sheet
                              Loan Details
                     Loan Amount                                900,000
                    Rate of Interest                              8.25%
                   Tenure (in months)                               120
                          EMI                                    11,115

Month   Opening Balance      EMI             Principal      Interest      Reduced Limits
 0           (900,000)
 1              900,000         11,115              4,808         6,306          895,192
 2              895,192         11,115              4,842         6,272          890,349
 3              890,349         11,115              4,876         6,239          885,473
 4              885,473         11,115              4,910         6,204          880,563
 5              880,563         11,115              4,945         6,170          875,619
 6              875,619         11,115              4,979         6,135          870,639
 7              870,639         11,115              5,014         6,100          865,625
 8              865,625         11,115              5,049         6,065          860,576
 9              860,576         11,115              5,085         6,030          855,491
 10             855,491         11,115              5,120         5,994          850,371
 11             850,371         11,115              5,156         5,958          845,215
 12             845,215         11,115              5,192         5,922          840,023
 13             840,023         11,115              5,229         5,886          834,794
 14             834,794         11,115              5,265         5,849          829,529
 15             829,529         11,115              5,302         5,812          824,226
 16             824,226         11,115              5,339         5,775          818,887
 17             818,887         11,115              5,377         5,738          813,510
 18             813,510         11,115              5,414         5,700          808,096
 19             808,096         11,115              5,452         5,662          802,643
 20             802,643         11,115              5,491         5,624          797,153
 21             797,153         11,115              5,529         5,586          791,624
 22             791,624         11,115              5,568         5,547          786,056
 23             786,056         11,115              5,607         5,508          780,449
 24             780,449         11,115              5,646         5,468          774,803
 25             774,803         11,115              5,686         5,429          769,117
 26             769,117         11,115              5,725         5,389          763,392
 27             763,392         11,115              5,766         5,349          757,626
 28             757,626         11,115              5,806         5,309          751,820
 29             751,820         11,115              5,847         5,268          745,974
 30             745,974         11,115              5,888         5,227          740,086
 31             740,086         11,115              5,929         5,186          734,157
 32             734,157         11,115              5,970         5,144          728,187
 33             728,187         11,115              6,012         5,102          722,174
 34             722,174         11,115              6,054         5,060          716,120
 35             716,120         11,115              6,097         5,018          710,023
 36             710,023         11,115              6,140         4,975          703,884
 37             703,884         11,115              6,183         4,932          697,701
 38             697,701         11,115              6,226         4,889          691,475
 39             691,475         11,115              6,270         4,845          685,206
 40             685,206         11,115              6,313         4,801          678,892
 41             678,892         11,115              6,358         4,757          672,534
 42             672,534         11,115              6,402         4,712          666,132
 43             666,132         11,115              6,447         4,667          659,685
 44             659,685         11,115              6,492         4,622          653,193
45   653,193   11,115   6,538   4,577   646,655
46   646,655   11,115   6,584   4,531   640,071
47   640,071   11,115   6,630   4,485   633,442
48   633,442   11,115   6,676   4,438   626,766
49   626,766   11,115   6,723   4,392   620,043
50   620,043   11,115   6,770   4,345   613,273
51   613,273   11,115   6,817   4,297   606,455
52   606,455   11,115   6,865   4,249   599,590
53   599,590   11,115   6,913   4,201   592,677
54   592,677   11,115   6,962   4,153   585,715
55   585,715   11,115   7,011   4,104   578,704
56   578,704   11,115   7,060   4,055   571,645
57   571,645   11,115   7,109   4,005   564,535
58   564,535   11,115   7,159   3,956   557,376
59   557,376   11,115   7,209   3,905   550,167
60   550,167   11,115   7,260   3,855   542,908
61   542,908   11,115   7,311   3,804   535,597
62   535,597   11,115   7,362   3,753   528,235
63   528,235   11,115   7,413   3,701   520,822
64   520,822   11,115   7,465   3,649   513,357
65   513,357   11,115   7,518   3,597   505,839
66   505,839   11,115   7,570   3,544   498,269
67   498,269   11,115   7,623   3,491   490,646
68   490,646   11,115   7,677   3,438   482,969
69   482,969   11,115   7,730   3,384   475,239
70   475,239   11,115   7,785   3,330   467,454
71   467,454   11,115   7,839   3,275   459,615
72   459,615   11,115   7,894   3,220   451,721
73   451,721   11,115   7,949   3,165   443,771
74   443,771   11,115   8,005   3,109   435,766
75   435,766   11,115   8,061   3,053   427,705
76   427,705   11,115   8,118   2,997   419,587
77   419,587   11,115   8,175   2,940   411,412
78   411,412   11,115   8,232   2,883   403,181
79   403,181   11,115   8,290   2,825   394,891
80   394,891   11,115   8,348   2,767   386,543
81   386,543   11,115   8,406   2,708   378,137
82   378,137   11,115   8,465   2,650   369,672
83   369,672   11,115   8,524   2,590   361,148
84   361,148   11,115   8,584   2,531   352,564
85   352,564   11,115   8,644   2,470   343,920
86   343,920   11,115   8,705   2,410   335,215
87   335,215   11,115   8,766   2,349   326,449
88   326,449   11,115   8,827   2,287   317,622
89   317,622   11,115   8,889   2,226   308,733
90   308,733   11,115   8,951   2,163   299,781
91   299,781   11,115   9,014   2,101   290,767
92   290,767   11,115   9,077   2,037   281,690
93   281,690   11,115   9,141   1,974   272,549
94   272,549   11,115   9,205   1,910   263,344
95   263,344   11,115   9,269   1,845   254,075
96   254,075   11,115   9,334   1,780   244,741
 97   244,741   11,115    9,400   1,715    235,341
 98   235,341   11,115    9,466   1,649    225,875
 99   225,875   11,115    9,532   1,583    216,344
100   216,344   11,115    9,599   1,516    206,745
101   206,745   11,115    9,666   1,449    197,079
102   197,079   11,115    9,734   1,381    187,345
103   187,345   11,115    9,802   1,313    177,543
104   177,543   11,115    9,871   1,244    167,673
105   167,673   11,115    9,940   1,175    157,733
106   157,733   11,115   10,009   1,105    147,724
107   147,724   11,115   10,080   1,035    137,644
108   137,644   11,115   10,150     964    127,494
109   127,494   11,115   10,221     893    117,273
110   117,273   11,115   10,293     822    106,980
111   106,980   11,115   10,365     750     96,615
112    96,615   11,115   10,438     677     86,177
113    86,177   11,115   10,511     604     75,667
114    75,667   11,115   10,584     530     65,082
115    65,082   11,115   10,659     456     54,424
116    54,424   11,115   10,733     381     43,690
117    43,690   11,115   10,808     306     32,882
118    32,882   11,115   10,884     230     21,998
119    21,998   11,115   10,960     154     11,037
120    11,037   11,115   11,037       77       -
121       -        -        -       -          -
122       -        -        -       -          -
123       -        -        -       -          -
124       -        -        -       -          -
125       -        -        -       -          -
126       -        -        -       -          -
127       -        -        -       -          -
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306   -   -   -   -   -
307   -   -   -   -   -
308   -   -   -   -   -
309   -   -   -   -   -
310   -   -   -   -   -
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312   -   -   -   -   -
313   -   -   -   -   -
314   -   -   -   -   -
315   -   -   -   -   -
316   -   -   -   -   -
317   -   -   -   -   -
318   -   -   -   -   -
319   -   -   -   -   -
320   -   -   -   -   -
321   -   -   -   -   -
322   -   -   -   -   -
323   -   -   -   -   -
324   -   -   -   -   -
325   -   -   -   -   -
326   -   -   -   -   -
327   -   -   -   -   -
328   -   -   -   -   -
329   -   -   -   -   -
330   -   -   -   -   -
331   -   -   -   -   -
332   -   -   -   -   -
333   -   -   -   -   -
334   -   -   -   -   -
335   -   -   -   -   -
336   -   -   -   -   -
337   -   -   -   -   -
338   -   -   -   -   -
339   -   -   -   -   -
340   -   -   -   -   -
341   -   -   -   -   -
342   -   -   -   -   -
343   -   -   -   -   -
344   -   -   -   -   -
345   -   -   -   -   -
346   -   -   -   -   -
347   -   -   -   -   -
348   -   -   -   -   -
349   -   -   -   -   -
350   -   -   -   -   -
351   -   -   -   -   -
352   -   -   -   -   -
353   -   -   -   -   -
354   -   -   -   -   -
355   -   -   -   -   -
356   -   -   -   -   -
357   -          -         -         -    -
358   -          -         -         -    -
359   -          -         -         -    -
360   -          -         -         -    -
361   -          -         -         -    -
          1,333,750   900,000   433,750
Loan Amount                                      900,000
                                                                                                                                                     Back to cover Sheet
Rate of Interest                                   8.25%
Tenure (in months)                                   120 Principal paid   900,000
No of Days in a month                                 31 Interest paid    265,959
Excess Deposit                                     4,000 Instalments           78
EMI                                               11,115


        Month           Opening Limit     Excess Deposit            EMI   Interest      Principal   Surplus Paid   Total Available         Effective
                        as per original     (Incremental)                            amortisation                         Balance      Balance after
                         amortisation                                                      as per                                          set off of
                           schedule                                                      original                                           balance
                                                                                        schedule

                                                                                                                                     (closing balance)
           0                  (900,000)                                                                                                       900,000
           1                   900,000             4,000        11,115      6,278          4,808             28            4,028              891,164
           2                   895,192             4,000        11,115      6,216          4,842             56            8,084              882,265
           3                   890,349             4,000        11,115      6,154          4,876             85           12,169              873,304
           4                   885,473             4,000        11,115      6,091          4,910            113           16,282              864,281
           5                   880,563             4,000        11,115      6,028          4,945            142           20,424              855,194
           6                   875,619             4,000        11,115      5,964          4,979            171           24,595              846,044
           7                   870,639             4,000        11,115      5,900          5,014            200           28,796              836,829
           8                   865,625             4,000        11,115      5,836          5,049            230           33,026              827,550
           9                   860,576             4,000        11,115      5,770          5,085            259           37,285              818,206
          10                   855,491             4,000        11,115      5,705          5,120            289           41,574              808,797
          11                   850,371             4,000        11,115      5,639          5,156            319           45,894              799,321
          12                   845,215             4,000        11,115      5,573          5,192            350           50,243              789,779
          13                   840,023             4,000        11,115      5,506          5,229            380           54,623              780,171
          14                   834,794             4,000        11,115      5,439          5,265            411           59,034              770,494
          15                   829,529             4,000        11,115      5,371          5,302            442           63,476              760,751
          16                   824,226             4,000        11,115      5,302          5,339            473           67,949              750,938
          17                   818,887             4,000        11,115      5,234          5,377            504           72,453              741,058
          18                   813,510             4,000        11,115      5,164          5,414            536           76,988              731,107
          19                   808,096             4,000        11,115      5,095          5,452            567           81,556              721,088
          20                   802,643             4,000        11,115      5,025          5,491            599           86,155              710,997
          21                   797,153             4,000        11,115      4,954          5,529            632           90,787              700,837
          22                   791,624             4,000        11,115      4,883          5,568            664           95,451              690,605
          23                   786,056             4,000        11,115      4,811          5,607            697          100,148              680,301
          24                   780,449             4,000        11,115      4,739          5,646            730          104,878              669,925
          25                   774,803             4,000        11,115      4,666          5,686            763          109,641              659,477
          26                   769,117             4,000        11,115      4,593          5,725            796          114,437              648,955
          27                   763,392             4,000        11,115      4,519          5,766            830          119,267              638,360
          28                   757,626             4,000        11,115      4,445          5,806            864          124,131              627,690
          29                   751,820             4,000        11,115      4,370          5,847            898          129,028              616,945
          30                   745,974             4,000        11,115      4,295          5,888            932          133,960              606,126
          31                   740,086             4,000        11,115      4,219          5,929            967          138,927              595,230
          32                   734,157             4,000        11,115      4,143          5,970          1,001          143,929              584,258
          33                   728,187             4,000        11,115      4,066          6,012          1,037          148,965              573,209
          34                   722,174             4,000        11,115      3,988          6,054          1,072          154,037              562,083
          35                   716,120             4,000        11,115      3,910          6,097          1,107          159,144              550,879
          36                   710,023             4,000        11,115      3,832          6,140          1,143          164,287              539,596
          37                   703,884             4,000        11,115      3,753          6,183          1,179          169,467              528,234
          38                   697,701             4,000        11,115      3,673          6,226          1,215          174,682              516,793
          39                   691,475             4,000        11,115      3,593          6,270          1,252          179,934              505,272
          40                   685,206             4,000        11,115      3,512          6,313          1,289          185,223              493,669
          41                   678,892             4,000        11,115      3,431          6,358          1,326          190,549              481,986
          42                   672,534             4,000        11,115      3,349          6,402          1,363          195,912              470,220
          43                   666,132             4,000        11,115      3,267          6,447          1,401          201,313              458,372
          44                   659,685             4,000        11,115      3,184          6,492          1,439          206,751              446,442
          45                   653,193             4,000        11,115      3,100          6,538          1,477          212,228              434,427
          46                   646,655             4,000        11,115      3,016          6,584          1,515          217,743              422,329
          47                   640,071             4,000        11,115      2,931          6,630          1,554          223,297              410,145
          48                   633,442             4,000        11,115      2,846          6,676          1,593          228,889              397,876
          49                   626,766             4,000        11,115      2,760          6,723          1,632          234,521              385,522
          50                   620,043             4,000        11,115      2,673          6,770          1,671          240,192              373,080
          51                   613,273             4,000        11,115      2,586          6,817          1,711          245,903              360,552
          52                   606,455             4,000        11,115      2,498          6,865          1,751          251,654              347,935
          53                   599,590             4,000        11,115      2,410          6,913          1,791          257,446              335,231
          54                   592,677             4,000        11,115      2,321          6,962          1,832          263,278              322,437
          55                   585,715             4,000        11,115      2,231          7,011          1,873          269,150              309,554
          56                   578,704             4,000        11,115      2,141          7,060          1,914          275,064              296,580
          57                   571,645             4,000        11,115      2,050          7,109          1,955          281,020              283,516
          58                   564,535             4,000        11,115      1,959          7,159          1,997          287,017              270,360
          59                   557,376             4,000        11,115      1,866          7,209          2,039          293,056              257,111
          60                   550,167             4,000        11,115      1,774          7,260          2,081          299,137              243,770
          61                   542,908             4,000        11,115      1,680          7,311          2,124          305,261              230,336
          62                   535,597             4,000        11,115      1,586          7,362          2,167          311,428              216,807
          63                   528,235             4,000        11,115      1,491          7,413          2,210          317,639              203,184
          64                   520,822             4,000        11,115      1,396          7,465          2,254          323,892              189,465
          65                   513,357             4,000        11,115      1,300          7,518          2,297          330,190              175,650
          66                   505,839             4,000        11,115      1,203          7,570          2,342          336,531              161,738
          67                   498,269             4,000        11,115      1,105          7,623          2,386          342,917              147,728
          68                   490,646             4,000        11,115      1,007          7,677          2,431          349,348              133,621
          69                   482,969             4,000        11,115        908          7,730          2,476          355,824              119,415
          70                   475,239             4,000        11,115        809          7,785          2,521          362,345              105,109
71    467,454   4,000   11,115    708   7,839     2,567    368,912   90,703
72    459,615   4,000   11,115    608   7,894     2,613    375,525   76,195
73    451,721   4,000   11,115    506   7,949     2,659    382,184   61,587
74    443,771   4,000   11,115    404   8,005     2,706    388,890   46,876
75    435,766   4,000   11,115    300   8,061     2,753    395,643   32,061
76    427,705   4,000   11,115    197   8,118     2,800    402,444   17,144
77    419,587   4,000   11,115     92   8,175     2,848    409,291    2,121
78    411,412     -     (1,892)    15   8,232   (10,139)   399,153    4,028
79    403,181   4,000       28    -       -          28        -        -
80        -       -        -      -       -         -          -        -
81        -       -        -      -       -         -          -        -
82        -       -        -      -       -         -          -        -
83        -       -        -      -       -         -          -        -
84        -       -        -      -       -         -          -        -
85        -       -        -      -       -         -          -        -
86        -       -        -      -       -         -          -        -
87        -       -        -      -       -         -          -        -
88        -       -        -      -       -         -          -        -
89        -       -        -      -       -         -          -        -
90        -       -        -      -       -         -          -        -
91        -       -        -      -       -         -          -        -
92        -       -        -      -       -         -          -        -
93        -       -        -      -       -         -          -        -
94        -       -        -      -       -         -          -        -
95        -       -        -      -       -         -          -        -
96        -       -        -      -       -         -          -        -
97        -       -        -      -       -         -          -        -
98        -       -        -      -       -         -          -        -
99        -       -        -      -       -         -          -        -
100       -       -        -      -       -         -          -        -
101       -       -        -      -       -         -          -        -
102       -       -        -      -       -         -          -        -
103       -       -        -      -       -         -          -        -
104       -       -        -      -       -         -          -        -
105       -       -        -      -       -         -          -        -
106       -       -        -      -       -         -          -        -
107       -       -        -      -       -         -          -        -
108       -       -        -      -       -         -          -        -
109       -       -        -      -       -         -          -        -
110       -       -        -      -       -         -          -        -
111       -       -        -      -       -         -          -        -
112       -       -        -      -       -         -          -        -
113       -       -        -      -       -         -          -        -
114       -       -        -      -       -         -          -        -
115       -       -        -      -       -         -          -        -
116       -       -        -      -       -         -          -        -
117       -       -        -      -       -         -          -        -
118       -       -        -      -       -         -          -        -
119       -       -        -      -       -         -          -        -
120       -       -        -      -       -         -          -        -
121       -       -        -      -       -         -          -        -
122       -       -        -      -       -         -          -        -
123       -       -        -      -       -         -          -        -
124       -       -        -      -       -         -          -        -
125       -       -        -      -       -         -          -        -
126       -       -        -      -       -         -          -        -
127       -       -        -      -       -         -          -        -
128       -       -        -      -       -         -          -        -
129       -       -        -      -       -         -          -        -
130       -       -        -      -       -         -          -        -
131       -       -        -      -       -         -          -        -
132       -       -        -      -       -         -          -        -
133       -       -        -      -       -         -          -        -
134       -       -        -      -       -         -          -        -
135       -       -        -      -       -         -          -        -
136       -       -        -      -       -         -          -        -
137       -       -        -      -       -         -          -        -
138       -       -        -      -       -         -          -        -
139       -       -        -      -       -         -          -        -
140       -       -        -      -       -         -          -        -
141       -       -        -      -       -         -          -        -
142       -       -        -      -       -         -          -        -
143       -       -        -      -       -         -          -        -
144       -       -        -      -       -         -          -        -
145       -       -        -      -       -         -          -        -
146       -       -        -      -       -         -          -        -
147       -       -        -      -       -         -          -        -
148       -       -        -      -       -         -          -        -
149       -       -        -      -       -         -          -        -
150       -       -        -      -       -         -          -        -
151       -       -        -      -       -         -          -        -
152       -       -        -      -       -         -          -        -
153       -       -        -      -       -         -          -        -
154       -       -        -      -       -         -          -        -
155       -       -        -      -       -         -          -        -
156       -       -        -      -       -         -          -        -
157   -   -   -   -   -   -   -   -
158   -   -   -   -   -   -   -   -
159   -   -   -   -   -   -   -   -
160   -   -   -   -   -   -   -   -
161   -   -   -   -   -   -   -   -
162   -   -   -   -   -   -   -   -
163   -   -   -   -   -   -   -   -
164   -   -   -   -   -   -   -   -
165   -   -   -   -   -   -   -   -
166   -   -   -   -   -   -   -   -
167   -   -   -   -   -   -   -   -
168   -   -   -   -   -   -   -   -
169   -   -   -   -   -   -   -   -
170   -   -   -   -   -   -   -   -
171   -   -   -   -   -   -   -   -
172   -   -   -   -   -   -   -   -
173   -   -   -   -   -   -   -   -
174   -   -   -   -   -   -   -   -
175   -   -   -   -   -   -   -   -
176   -   -   -   -   -   -   -   -
177   -   -   -   -   -   -   -   -
178   -   -   -   -   -   -   -   -
179   -   -   -   -   -   -   -   -
180   -   -   -   -   -   -   -   -
181   -   -   -   -   -   -   -   -
182   -   -   -   -   -   -   -   -
183   -   -   -   -   -   -   -   -
184   -   -   -   -   -   -   -   -
185   -   -   -   -   -   -   -   -
186   -   -   -   -   -   -   -   -
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344   -                    -        -         -         -        -            -            -
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357   -                    -        -         -         -        -            -            -
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360   -                    -        -         -         -        -            -            -
361   -                    -        -         -         -        -            -            -

                      312,000   853,959   265,959   496,819   91,181   14,956,499   37,368,993

          Principal paid        900,000
          Interest paid         265,959
Back to cover Sheet
Loan Amount                    900,000
                                                                                                              Back to cover Sheet
Rate of Interest                  8.25%                  Principal paid             900,000
Tenure (in months)                 120                   Interest paid              317,222
No of Days in a month               31                   Instalments                    101
Excess Deposit                 100,000
EMI                             11,115


        Month           Opening Limit      Effective       Available balance        EMI       Interest    Principal   Surplus Paid   Total Available   Effective
                        as per original    Opening                                                                                      balance        Balance
                           schedule         balance

           0                   (900,000)                                                                                                                   900,000
           1                    900,000        900,000                    100,000    11,115       5,605       4,808            701           100,701       794,491
           2                    895,192        794,491                    100,000    11,115       5,567       4,842            706           101,406       788,943
           3                    890,349        788,943                    100,000    11,115       5,528       4,876            711           102,117       783,357
           4                    885,473        783,357                    100,000    11,115       5,489       4,910            716           102,832       777,731
           5                    880,563        777,731                    100,000    11,115       5,449       4,945            721           103,553       772,066
           6                    875,619        772,066                    100,000    11,115       5,410       4,979            726           104,278       766,361
           7                    870,639        766,361                    100,000    11,115       5,370       5,014            731           105,009       760,616
           8                    865,625        760,616                    100,000    11,115       5,330       5,049            736           105,745       754,831
           9                    860,576        754,831                    100,000    11,115       5,289       5,085            741           106,486       749,005
           10                   855,491        749,005                    100,000    11,115       5,248       5,120            746           107,232       743,139
           11                   850,371        743,139                    100,000    11,115       5,207       5,156            751           107,983       737,232
           12                   845,215        737,232                    100,000    11,115       5,166       5,192            757           108,740       731,283
           13                   840,023        731,283                    100,000    11,115       5,124       5,229            762           109,502       725,292
           14                   834,794        725,292                    100,000    11,115       5,082       5,265            767           110,269       719,259
           15                   829,529        719,259                    100,000    11,115       5,040       5,302            773           111,042       713,185
           16                   824,226        713,185                    100,000    11,115       4,997       5,339            778           111,820       707,067
           17                   818,887        707,067                    100,000    11,115       4,954       5,377            784           112,603       700,907
           18                   813,510        700,907                    100,000    11,115       4,911       5,414            789           113,392       694,704
           19                   808,096        694,704                    100,000    11,115       4,868       5,452            795           114,187       688,457
           20                   802,643        688,457                    100,000    11,115       4,824       5,491            800           114,987       682,166
           21                   797,153        682,166                    100,000    11,115       4,780       5,529            806           115,793       675,831
           22                   791,624        675,831                    100,000    11,115       4,735       5,568            811           116,604       669,452
           23                   786,056        669,452                    100,000    11,115       4,691       5,607            817           117,421       663,028
           24                   780,449        663,028                    100,000    11,115       4,646       5,646            823           118,244       656,559
           25                   774,803        656,559                    100,000    11,115       4,600       5,686            829           119,072       650,045
           26                   769,117        650,045                    100,000    11,115       4,555       5,725            834           119,907       643,485
           27                   763,392        643,485                    100,000    11,115       4,509       5,766            840           120,747       636,880
           28                   757,626        636,880                    100,000    11,115       4,463       5,806            846           121,593       630,228
           29                   751,820        630,228                    100,000    11,115       4,416       5,847            852           122,445       623,529
           30                   745,974        623,529                    100,000    11,115       4,369       5,888            858           123,303       616,783
           31                   740,086        616,783                    100,000    11,115       4,322       5,929            864           124,167       609,990
           32                   734,157        609,990                    100,000    11,115       4,274       5,970            870           125,037       603,150
           33                   728,187        603,150                    100,000    11,115       4,226       6,012            876           125,913       596,262
           34                   722,174        596,262                    100,000    11,115       4,178       6,054            882           126,795       589,325
           35                   716,120        589,325                    100,000    11,115       4,129       6,097            888           127,684       582,340
           36                   710,023        582,340                    100,000    11,115       4,080       6,140            895           128,578       575,305
           37                   703,884        575,305                    100,000    11,115       4,031       6,183            901           129,479       568,222
           38                   697,701        568,222                    100,000    11,115       3,981       6,226            907           130,386       561,089
           39                   691,475        561,089                    100,000    11,115       3,931       6,270            914           131,300       553,906
           40                   685,206        553,906                    100,000    11,115       3,881       6,313            920           132,220       546,672
           41                   678,892        546,672                    100,000    11,115       3,830       6,358            926           133,146       539,388
           42                   672,534        539,388                    100,000    11,115       3,779       6,402            933           134,079       532,053
           43                   666,132        532,053                    100,000    11,115       3,728       6,447            939           135,019       524,666
           44                   659,685        524,666                    100,000    11,115       3,676       6,492            946           135,965       517,228
           45                   653,193        517,228                    100,000    11,115       3,624       6,538            953           136,918       509,738
           46                   646,655        509,738                    100,000    11,115       3,572       6,584            959           137,877       502,195
           47                   640,071        502,195                    100,000    11,115       3,519       6,630            966           138,843       494,599
           48                   633,442        494,599                    100,000    11,115       3,466       6,676            973           139,816       486,950
           49                   626,766        486,950                    100,000    11,115       3,412       6,723            980           140,796       479,247
           50                   620,043        479,247                    100,000    11,115       3,358       6,770            987           141,782       471,491
           51                   613,273        471,491                    100,000    11,115       3,304       6,817            993           142,775       463,680
           52                   606,455        463,680                    100,000    11,115       3,249       6,865          1,000           143,776       455,814
           53                   599,590        455,814                    100,000    11,115       3,194       6,913          1,007           144,783       447,893
           54                   592,677        447,893                    100,000    11,115       3,138       6,962          1,014           145,798       439,917
           55                   585,715        439,917                    100,000    11,115       3,082       7,011          1,022           146,819       431,885
           56                   578,704        431,885                    100,000    11,115       3,026       7,060          1,029           147,848       423,796
           57                   571,645        423,796                    100,000    11,115       2,969       7,109          1,036           148,884       415,651
           58                   564,535        415,651                    100,000    11,115       2,912       7,159          1,043           149,927       407,449
           59                   557,376        407,449                    100,000    11,115       2,855       7,209          1,051           150,978       399,190
           60                   550,167        399,190                    100,000    11,115       2,797       7,260          1,058           152,036       390,872
           61                   542,908        390,872                    100,000    11,115       2,739       7,311          1,065           153,101       382,496
           62                   535,597        382,496                    100,000    11,115       2,680       7,362          1,073           154,174       374,062
           63                   528,235        374,062                    100,000    11,115       2,621       7,413          1,080           155,254       365,568
           64                   520,822        365,568                    100,000    11,115       2,561       7,465          1,088           156,342       357,015
           65                   513,357        357,015                    100,000    11,115       2,502       7,518          1,095           157,437       348,402
           66                   505,839        348,402                    100,000    11,115       2,441       7,570          1,103           158,540       339,729
           67                   498,269        339,729                    100,000    11,115       2,380       7,623          1,111           159,651       330,994
           68                   490,646        330,994                    100,000    11,115       2,319       7,677          1,119           160,770       322,199
           69                   482,969        322,199                    100,000    11,115       2,258       7,730          1,126           161,896       313,342
           70                   475,239        313,342                    100,000    11,115       2,196       7,785          1,134           163,031       304,423
           71                   467,454        304,423                    100,000    11,115       2,133       7,839          1,142           164,173       295,442
           72                   459,615        295,442                    100,000    11,115       2,070       7,894          1,150           165,323       286,397
           73                   451,721        286,397                    100,000    11,115       2,007       7,949          1,158           166,482       277,289
           74                   443,771        277,289                    100,000    11,115       1,943       8,005          1,167           167,648       268,118
           75                   435,766        268,118                    100,000    11,115       1,879       8,061          1,175           168,823       258,882
           76                   427,705        258,882                    100,000    11,115       1,814       8,118          1,183           170,006       249,581
           77                   419,587        249,581                    100,000    11,115       1,749       8,175          1,191           171,197       240,215
 78   411,412   240,215   100,000   11,115   1,683    8,232    1,200    172,397   230,784
 79   403,181   230,784   100,000   11,115   1,617    8,290    1,208    173,605   221,286
 80   394,891   221,286   100,000   11,115   1,551    8,348    1,216    174,821   211,722
 81   386,543   211,722   100,000   11,115   1,484    8,406    1,225    176,046   202,091
 82   378,137   202,091   100,000   11,115   1,416    8,465    1,234    177,280   192,393
 83   369,672   192,393   100,000   11,115   1,348    8,524    1,242    178,522   182,626
 84   361,148   182,626   100,000   11,115   1,280    8,584    1,251    179,773   172,791
 85   352,564   172,791   100,000   11,115   1,211    8,644    1,260    181,032   162,887
 86   343,920   162,887   100,000   11,115   1,141    8,705    1,268    182,301   152,914
 87   335,215   152,914   100,000   11,115   1,071    8,766    1,277    183,578   142,871
 88   326,449   142,871   100,000   11,115   1,001    8,827    1,286    184,864   132,757
 89   317,622   132,757   100,000   11,115     930    8,889    1,295    186,160   122,573
 90   308,733   122,573   100,000   11,115     859    8,951    1,304    187,464   112,317
 91   299,781   112,317   100,000   11,115     787    9,014    1,314    188,778   101,990
 92   290,767   101,990   100,000   11,115     715    9,077    1,323    190,100    91,590
 93   281,690    91,590   100,000   11,115     642    9,141    1,332    191,432    81,117
 94   272,549    81,117   100,000   11,115     568    9,205    1,341    192,774    70,571
 95   263,344    70,571   100,000   11,115     494    9,269    1,351    194,124    59,951
 96   254,075    59,951   100,000   11,115     420    9,334    1,360    195,485    49,256
 97   244,741    49,256   100,000   11,115     345    9,400    1,370    196,854    38,487
 98   235,341    38,487   100,000   11,115     270    9,466    1,379    198,234    27,642
 99   225,875    27,642   100,000   11,115     194    9,532    1,389    199,623    16,721
100   216,344    16,721   100,000   11,115     117    9,599    1,399    201,021     5,723
101   206,745     5,723   100,000    5,763       40   9,666   (3,943)   197,079       -
102   197,079       -     100,000      -       -        -        -          -         -
103       -         -         -        -       -        -        -          -         -
104       -         -         -        -       -        -        -          -         -
105       -         -         -        -       -        -        -          -         -
106       -         -         -        -       -        -        -          -         -
107       -         -         -        -       -        -        -          -         -
108       -         -         -        -       -        -        -          -         -
109       -         -         -        -       -        -        -          -         -
110       -         -         -        -       -        -        -          -         -
111       -         -         -        -       -        -        -          -         -
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115       -         -         -        -       -        -        -          -         -
116       -         -         -        -       -        -        -          -         -
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118       -         -         -        -       -        -        -          -         -
119       -         -         -        -       -        -        -          -         -
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127       -         -         -        -       -        -        -          -         -
128       -         -         -        -       -        -        -          -         -
129       -         -         -        -       -        -        -          -         -
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317   -   -   -   -   -   -   -   -   -
318   -   -   -   -   -   -   -   -   -
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323   -   -   -   -   -   -   -   -   -
324   -   -   -   -   -   -   -   -   -
325   -   -   -   -   -   -   -   -   -
326   -   -   -   -   -   -   -   -   -
327   -   -   -   -   -   -   -   -   -
328   -   -   -   -   -   -   -   -   -
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331   -   -   -   -   -   -   -   -   -
332   -   -   -   -   -   -   -   -   -
333   -   -   -   -   -   -   -   -   -
334   -   -   -   -   -   -   -   -   -
335   -   -   -   -   -   -   -   -   -
336   -   -   -   -   -   -   -   -   -
337   -   -   -   -   -   -   -   -   -
338   -   -   -   -   -   -   -   -   -
339   -   -   -   -   -   -   -   -   -
340   -   -   -   -   -   -   -   -   -
341   -   -   -   -   -   -   -   -   -
342   -   -   -   -   -   -   -   -   -
343   -   -   -   -   -   -   -   -   -
344   -   -   -   -   -   -   -   -   -
345   -   -   -   -   -   -   -   -   -
346   -   -   -   -   -   -   -   -   -
347   -   -   -   -   -   -   -   -   -
348   -   -                      -          -         -         -        -            -            -
349   -   -                      -          -         -         -        -            -            -
350   -   -                      -          -         -         -        -            -            -
351   -   -                      -          -         -         -        -            -            -
352   -   -                      -          -         -         -        -            -            -
353   -   -                      -          -         -         -        -            -            -
354   -   -                      -          -         -         -        -            -            -
355   -   -                      -          -         -         -        -            -            -
356   -   -                      -          -         -         -        -            -            -
357   -   -                      -          -         -         -        -            -            -
358   -   -                      -          -         -         -        -            -            -
359   -   -                      -          -         -         -        -            -            -
360   -   -                      -          -         -         -        -            -            -
361   -   -                      -          -         -         -        -            -            -

                            100,000   1,117,222   317,222   702,921   97,079   14,715,632   44,473,085

              Total principal paid     900,000
                                                                     EQUIVALENT IRR FOR NORMAL LOANS
                                          Smart Home A
                         Loan Amount                                 900,000
                 Equivalent Rate of Interest                           5.39%
                      Tenure (in months)                                 120
          Interest paid in relevant schemes (A or B)                265,959
                               EMI                                     9,716

Month   Opening Balance           EMI              Principal      Interest      Reduced Limits
 0           (900,000)
 1              900,000                 9,716             5,677         4,039          894,323
 2              894,323                 9,716             5,703         4,014          888,620
 3              888,620                 9,716             5,728         3,988          882,892
 4              882,892                 9,716             5,754         3,962          877,137
 5              877,137                 9,716             5,780         3,936          871,358
 6              871,358                 9,716             5,806         3,910          865,552
 7              865,552                 9,716             5,832         3,884          859,720
 8              859,720                 9,716             5,858         3,858          853,862
 9              853,862                 9,716             5,884         3,832          847,977
 10             847,977                 9,716             5,911         3,806          842,067
 11             842,067                 9,716             5,937         3,779          836,129
 12             836,129                 9,716             5,964         3,752          830,165
 13             830,165                 9,716             5,991         3,726          824,175
 14             824,175                 9,716             6,018         3,699          818,157
 15             818,157                 9,716             6,045         3,672          812,113
 16             812,113                 9,716             6,072         3,645          806,041
 17             806,041                 9,716             6,099         3,617          799,942
 18             799,942                 9,716             6,126         3,590          793,816
 19             793,816                 9,716             6,154         3,562          787,662
 20             787,662                 9,716             6,181         3,535          781,480
 21             781,480                 9,716             6,209         3,507          775,271
 22             775,271                 9,716             6,237         3,479          769,034
 23             769,034                 9,716             6,265         3,451          762,769
 24             762,769                 9,716             6,293         3,423          756,476
 25             756,476                 9,716             6,321         3,395          750,154
 26             750,154                 9,716             6,350         3,367          743,805
 27             743,805                 9,716             6,378         3,338          737,426
 28             737,426                 9,716             6,407         3,309          731,019
 29             731,019                 9,716             6,436         3,281          724,584
 30             724,584                 9,716             6,465         3,252          718,119
 31             718,119                 9,716             6,494         3,223          711,626
 32             711,626                 9,716             6,523         3,194          705,103
 33             705,103                 9,716             6,552         3,164          698,551
 34             698,551                 9,716             6,581         3,135          691,970
 35             691,970                 9,716             6,611         3,105          685,359
 36             685,359                 9,716             6,641         3,076          678,718
 37             678,718                 9,716             6,670         3,046          672,048
 38             672,048                 9,716             6,700         3,016          665,348
 39             665,348                 9,716             6,730         2,986          658,617
 40             658,617                 9,716             6,761         2,956          651,857
 41             651,857                 9,716             6,791         2,925          645,066
 42             645,066                 9,716             6,821         2,895          638,244
43   638,244   9,716   6,852   2,864   631,392
44   631,392   9,716   6,883   2,834   624,510
45   624,510   9,716   6,914   2,803   617,596
46   617,596   9,716   6,945   2,772   610,651
47   610,651   9,716   6,976   2,740   603,675
48   603,675   9,716   7,007   2,709   596,668
49   596,668   9,716   7,039   2,678   589,630
50   589,630   9,716   7,070   2,646   582,559
51   582,559   9,716   7,102   2,614   575,458
52   575,458   9,716   7,134   2,583   568,324
53   568,324   9,716   7,166   2,551   561,158
54   561,158   9,716   7,198   2,518   553,960
55   553,960   9,716   7,230   2,486   546,730
56   546,730   9,716   7,263   2,454   539,467
57   539,467   9,716   7,295   2,421   532,172
58   532,172   9,716   7,328   2,388   524,844
59   524,844   9,716   7,361   2,355   517,483
60   517,483   9,716   7,394   2,322   510,089
61   510,089   9,716   7,427   2,289   502,662
62   502,662   9,716   7,460   2,256   495,201
63   495,201   9,716   7,494   2,222   487,707
64   487,707   9,716   7,528   2,189   480,180
65   480,180   9,716   7,561   2,155   472,618
66   472,618   9,716   7,595   2,121   465,023
67   465,023   9,716   7,629   2,087   457,394
68   457,394   9,716   7,664   2,053   449,730
69   449,730   9,716   7,698   2,018   442,032
70   442,032   9,716   7,733   1,984   434,299
71   434,299   9,716   7,767   1,949   426,532
72   426,532   9,716   7,802   1,914   418,730
73   418,730   9,716   7,837   1,879   410,893
74   410,893   9,716   7,872   1,844   403,021
75   403,021   9,716   7,908   1,809   395,113
76   395,113   9,716   7,943   1,773   387,170
77   387,170   9,716   7,979   1,738   379,191
78   379,191   9,716   8,015   1,702   371,176
79   371,176   9,716   8,051   1,666   363,126
80   363,126   9,716   8,087   1,630   355,039
81   355,039   9,716   8,123   1,593   346,916
82   346,916   9,716   8,159   1,557   338,757
83   338,757   9,716   8,196   1,520   330,561
84   330,561   9,716   8,233   1,483   322,328
85   322,328   9,716   8,270   1,447   314,058
86   314,058   9,716   8,307   1,409   305,751
87   305,751   9,716   8,344   1,372   297,407
88   297,407   9,716   8,382   1,335   289,025
89   289,025   9,716   8,419   1,297   280,606
90   280,606   9,716   8,457   1,259   272,149
91   272,149   9,716   8,495   1,221   263,654
92   263,654   9,716   8,533   1,183   255,121
93   255,121   9,716   8,571   1,145   246,550
94   246,550   9,716   8,610   1,106   237,940
 95   237,940   9,716   8,648    1,068   229,291
 96   229,291   9,716   8,687    1,029   220,604
 97   220,604   9,716   8,726      990   211,878
 98   211,878   9,716   8,765      951   203,112
 99   203,112   9,716   8,805      912   194,307
100   194,307   9,716   8,844      872   185,463
101   185,463   9,716   8,884      832   176,579
102   176,579   9,716   8,924      792   167,655
103   167,655   9,716   8,964      752   158,691
104   158,691   9,716   9,004      712   149,687
105   149,687   9,716   9,045      672   140,643
106   140,643   9,716   9,085      631   131,558
107   131,558   9,716   9,126      590   122,432
108   122,432   9,716   9,167      549   113,265
109   113,265   9,716   9,208      508   104,057
110   104,057   9,716   9,249      467    94,807
111    94,807   9,716   9,291      425    85,517
112    85,517   9,716   9,333      384    76,184
113    76,184   9,716   9,374      342    66,810
114    66,810   9,716   9,416      300    57,393
115    57,393   9,716   9,459      258    47,934
116    47,934   9,716   9,501      215    38,433
117    38,433   9,716   9,544      172    28,889
118    28,889   9,716   9,587      130    19,303
119    19,303   9,716   9,630       87     9,673
120     9,673   9,716   9,673       43         0
121         0     -        (0)       0         0
122         0     -        (0)       0         0
123         0     -        (0)       0         0
124         0     -        (0)       0         0
125         0     -        (0)       0         0
126         0     -        (0)       0         0
127         0     -        (0)       0         0
128         0     -        (0)       0         0
129         0     -        (0)       0         0
130         0     -        (0)       0         0
131         0     -        (0)       0         0
132         0     -        (0)       0         0
133         0     -        (0)       0         0
134         0     -        (0)       0         0
135         0     -        (0)       0         0
136         0     -        (0)       0         0
137         0     -        (0)       0         0
138         0     -        (0)       0         0
139         0     -        (0)       0         0
140         0     -        (0)       0         0
141         0     -        (0)       0         0
142         0     -        (0)       0         0
143         0     -        (0)       0         0
144         0     -        (0)       0         0
145         0     -        (0)       0         0
146         0     -        (0)       0         0
147   0   -   (0)   0   0
148   0   -   (0)   0   0
149   0   -   (0)   0   0
150   0   -   (0)   0   0
151   0   -   (0)   0   0
152   0   -   (0)   0   0
153   0   -   (0)   0   0
154   0   -   (0)   0   0
155   0   -   (0)   0   0
156   0   -   (0)   0   0
157   0   -   (0)   0   0
158   0   -   (0)   0   0
159   0   -   (0)   0   0
160   0   -   (0)   0   0
161   0   -   (0)   0   0
162   0   -   (0)   0   0
163   0   -   (0)   0   0
164   0   -   (0)   0   0
165   0   -   (0)   0   0
166   0   -   (0)   0   0
167   0   -   (0)   0   0
168   0   -   (0)   0   0
169   0   -   (0)   0   0
170   0   -   (0)   0   0
171   0   -   (0)   0   0
172   0   -   (0)   0   0
173   0   -   (0)   0   0
174   0   -   (0)   0   0
175   0   -   (0)   0   0
176   0   -   (0)   0   0
177   0   -   (0)   0   0
178   0   -   (0)   0   0
179   0   -   (0)   0   0
180   0   -   (0)   0   0
181   0   -   (0)   0   0
182   0   -   (0)   0   0
183   0   -   (0)   0   0
184   0   -   (0)   0   0
185   0   -   (0)   0   0
186   0   -   (0)   0   0
187   0   -   (0)   0   0
188   0   -   (0)   0   0
189   0   -   (0)   0   0
190   0   -   (0)   0   0
191   0   -   (0)   0   0
192   0   -   (0)   0   0
193   0   -   (0)   0   0
194   0   -   (0)   0   0
195   0   -   (0)   0   0
196   0   -   (0)   0   0
197   0   -   (0)   0   0
198   0   -   (0)   0   0
199   0   -   (0)   0   0
200   0   -   (0)   0   0
201   0   -   (0)   0   0
202   0   -   (0)   0   0
203   0   -   (0)   0   0
204   0   -   (0)   0   0
205   0   -   (0)   0   0
206   0   -   (0)   0   0
207   0   -   (0)   0   0
208   0   -   (0)   0   0
209   0   -   (0)   0   0
210   0   -   (0)   0   0
211   0   -   (0)   0   0
212   0   -   (0)   0   0
213   0   -   (0)   0   0
214   0   -   (0)   0   0
215   0   -   (0)   0   0
216   0   -   (0)   0   0
217   0   -   (0)   0   0
218   0   -   (0)   0   0
219   0   -   (0)   0   0
220   0   -   (0)   0   0
221   0   -   (0)   0   0
222   0   -   (0)   0   0
223   0   -   (0)   0   0
224   0   -   (0)   0   0
225   0   -   (0)   0   0
226   0   -   (0)   0   0
227   0   -   (0)   0   0
228   0   -   (0)   0   0
229   0   -   (0)   0   0
230   0   -   (0)   0   0
231   0   -   (0)   0   0
232   0   -   (0)   0   0
233   0   -   (0)   0   0
234   0   -   (0)   0   0
235   0   -   (0)   0   0
236   0   -   (0)   0   0
237   0   -   (0)   0   0
238   0   -   (0)   0   0
239   0   -   (0)   0   0
240   0   -   (0)   0   0
241   0   -   (0)   0   0
242   0   -   (0)   0   0
243   0   -   (0)   0   0
244   0   -   (0)   0   0
245   0   -   (0)   0   0
246   0   -   (0)   0   0
247   0   -   (0)   0   0
248   0   -   (0)   0   0
249   0   -   (0)   0   0
250   0   -   (0)   0   0
251   0   -   (0)   0   0
252   0   -   (0)   0   0
253   0   -   (0)   0   0
254   0   -   (0)   0   0
255   0   -   (0)   0   0
256   0   -   (0)   0   0
257   0   -   (0)   0   0
258   0   -   (0)   0   0
259   0   -   (0)   0   0
260   0   -   (0)   0   0
261   0   -   (0)   0   0
262   0   -   (0)   0   0
263   0   -   (0)   0   0
264   0   -   (0)   0   0
265   0   -   (0)   0   0
266   0   -   (0)   0   0
267   0   -   (0)   0   0
268   0   -   (0)   0   0
269   0   -   (0)   0   0
270   0   -   (0)   0   0
271   0   -   (0)   0   0
272   0   -   (0)   0   0
273   0   -   (0)   0   0
274   0   -   (0)   0   0
275   0   -   (0)   0   0
276   0   -   (0)   0   0
277   0   -   (0)   0   0
278   0   -   (0)   0   0
279   0   -   (0)   0   0
280   0   -   (0)   0   0
281   0   -   (0)   0   0
282   0   -   (0)   0   0
283   0   -   (0)   0   0
284   0   -   (0)   0   0
285   0   -   (0)   0   0
286   0   -   (0)   0   0
287   0   -   (0)   0   0
288   0   -   (0)   0   0
289   0   -   (0)   0   0
290   0   -   (0)   0   0
291   0   -   (0)   0   0
292   0   -   (0)   0   0
293   0   -   (0)   0   0
294   0   -   (0)   0   0
295   0   -   (0)   0   0
296   0   -   (0)   0   0
297   0   -   (0)   0   0
298   0   -   (0)   0   0
299   0   -   (0)   0   0
300   0   -   (0)   0   0
301   0   -   (0)   0   0
302   0   -   (0)   0   0
303   0   -   (0)   0   0
304   0   -   (0)   0   0
305   0   -   (0)   0   0
306   0   -   (0)   0   0
307   0   -   (0)   0   0
308   0   -   (0)   0   0
309   0   -   (0)   0   0
310   0   -   (0)   0   0
311   0   -   (0)   0   0
312   0   -   (0)   0   0
313   0   -   (0)   0   0
314   0   -   (0)   0   0
315   0   -   (0)   0   0
316   0   -   (0)   0   0
317   0   -   (0)   0   0
318   0   -   (0)   0   0
319   0   -   (0)   0   0
320   0   -   (0)   0   0
321   0   -   (0)   0   0
322   0   -   (0)   0   0
323   0   -   (0)   0   0
324   0   -   (0)   0   0
325   0   -   (0)   0   0
326   0   -   (0)   0   0
327   0   -   (0)   0   0
328   0   -   (0)   0   0
329   0   -   (0)   0   0
330   0   -   (0)   0   0
331   0   -   (0)   0   0
332   0   -   (0)   0   0
333   0   -   (0)   0   0
334   0   -   (0)   0   0
335   0   -   (0)   0   0
336   0   -   (0)   0   0
337   0   -   (0)   0   0
338   0   -   (0)   0   0
339   0   -   (0)   0   0
340   0   -   (0)   0   0
341   0   -   (0)   0   0
342   0   -   (0)   0   0
343   0   -   (0)   0   0
344   0   -   (0)   0   0
345   0   -   (0)   0   0
346   0   -   (0)   0   0
347   0   -   (0)   0   0
348   0   -   (0)   0   0
349   0   -   (0)   0   0
350   0   -   (0)   0   0
351   0   -   (0)   0   0
352   0   -   (0)   0   0
353   0   -   (0)   0   0
354   0   -   (0)   0   0
355   0          -          (0)         0       0
356   0          -          (0)         0       0
357   0          -          (0)         0       0
358   0          -          (0)         0       0
359   0          -          (0)         0       0
360   0          -          (0)         0       0
361   0          -          (0)         0   -

          1,165,959   900,000     265,959
IRR FOR NORMAL LOANS
                                          Smart Home B
                               900,000
                                                 Back to cover Sheet
                                 6.33%
                                   120
                              317,222
                                10,144

                Month   Opening Balance    EMI      Principal   Interest   Reduced Limits
                 0          (900,000)
                  1             900,000    10,144      5,393      4,751           894,607
                  2             894,607    10,144      5,421      4,722           889,186
                  3             889,186    10,144      5,450      4,693           883,736
                  4             883,736    10,144      5,479      4,665           878,257
                  5             878,257    10,144      5,508      4,636           872,749
                  6             872,749    10,144      5,537      4,607           867,212
                  7             867,212    10,144      5,566      4,578           861,646
                  8             861,646    10,144      5,595      4,548           856,051
                  9             856,051    10,144      5,625      4,519           850,426
                 10             850,426    10,144      5,655      4,489           844,771
                 11             844,771    10,144      5,684      4,459           839,087
                 12             839,087    10,144      5,714      4,429           833,373
                 13             833,373    10,144      5,745      4,399           827,628
                 14             827,628    10,144      5,775      4,369           821,853
                 15             821,853    10,144      5,805      4,338           816,048
                 16             816,048    10,144      5,836      4,307           810,211
                 17             810,211    10,144      5,867      4,277           804,345
                 18             804,345    10,144      5,898      4,246           798,447
                 19             798,447    10,144      5,929      4,215           792,518
                 20             792,518    10,144      5,960      4,183           786,558
                 21             786,558    10,144      5,992      4,152           780,566
                 22             780,566    10,144      6,023      4,120           774,542
                 23             774,542    10,144      6,055      4,088           768,487
                 24             768,487    10,144      6,087      4,056           762,400
                 25             762,400    10,144      6,119      4,024           756,281
                 26             756,281    10,144      6,152      3,992           750,129
                 27             750,129    10,144      6,184      3,959           743,945
                 28             743,945    10,144      6,217      3,927           737,729
                 29             737,729    10,144      6,249      3,894           731,479
                 30             731,479    10,144      6,282      3,861           725,197
                 31             725,197    10,144      6,316      3,828           718,881
                 32             718,881    10,144      6,349      3,795           712,532
                 33             712,532    10,144      6,382      3,761           706,150
                 34             706,150    10,144      6,416      3,727           699,734
                 35             699,734    10,144      6,450      3,693           693,284
                 36             693,284    10,144      6,484      3,659           686,799
                 37             686,799    10,144      6,518      3,625           680,281
                 38             680,281    10,144      6,553      3,591           673,728
                 39             673,728    10,144      6,587      3,556           667,141
                 40             667,141    10,144      6,622      3,521           660,519
                 41             660,519    10,144      6,657      3,486           653,862
                 42             653,862    10,144      6,692      3,451           647,170
43   647,170   10,144   6,727   3,416   640,442
44   640,442   10,144   6,763   3,381   633,679
45   633,679   10,144   6,799   3,345   626,881
46   626,881   10,144   6,835   3,309   620,046
47   620,046   10,144   6,871   3,273   613,176
48   613,176   10,144   6,907   3,237   606,269
49   606,269   10,144   6,943   3,200   599,325
50   599,325   10,144   6,980   3,163   592,345
51   592,345   10,144   7,017   3,127   585,328
52   585,328   10,144   7,054   3,090   578,274
53   578,274   10,144   7,091   3,052   571,183
54   571,183   10,144   7,129   3,015   564,055
55   564,055   10,144   7,166   2,977   556,889
56   556,889   10,144   7,204   2,939   549,685
57   549,685   10,144   7,242   2,901   542,442
58   542,442   10,144   7,280   2,863   535,162
59   535,162   10,144   7,319   2,825   527,844
60   527,844   10,144   7,357   2,786   520,486
61   520,486   10,144   7,396   2,747   513,090
62   513,090   10,144   7,435   2,708   505,655
63   505,655   10,144   7,474   2,669   498,180
64   498,180   10,144   7,514   2,630   490,666
65   490,666   10,144   7,554   2,590   483,113
66   483,113   10,144   7,593   2,550   475,519
67   475,519   10,144   7,634   2,510   467,886
68   467,886   10,144   7,674   2,470   460,212
69   460,212   10,144   7,714   2,429   452,498
70   452,498   10,144   7,755   2,388   444,743
71   444,743   10,144   7,796   2,348   436,947
72   436,947   10,144   7,837   2,306   429,110
73   429,110   10,144   7,878   2,265   421,231
74   421,231   10,144   7,920   2,223   413,311
75   413,311   10,144   7,962   2,182   405,349
76   405,349   10,144   8,004   2,140   397,345
77   397,345   10,144   8,046   2,097   389,299
78   389,299   10,144   8,089   2,055   381,210
79   381,210   10,144   8,131   2,012   373,079
80   373,079   10,144   8,174   1,969   364,905
81   364,905   10,144   8,217   1,926   356,688
82   356,688   10,144   8,261   1,883   348,427
83   348,427   10,144   8,304   1,839   340,122
84   340,122   10,144   8,348   1,795   331,774
85   331,774   10,144   8,392   1,751   323,382
86   323,382   10,144   8,437   1,707   314,945
87   314,945   10,144   8,481   1,662   306,464
88   306,464   10,144   8,526   1,618   297,938
89   297,938   10,144   8,571   1,573   289,367
90   289,367   10,144   8,616   1,527   280,751
91   280,751   10,144   8,662   1,482   272,090
92   272,090   10,144   8,707   1,436   263,382
93   263,382   10,144   8,753   1,390   254,629
94   254,629   10,144   8,799   1,344   245,830
95    245,830   10,144    8,846    1,298   236,984
96    236,984   10,144    8,893    1,251   228,091
97    228,091   10,144    8,940    1,204   219,152
98    219,152   10,144    8,987    1,157   210,165
99    210,165   10,144    9,034    1,109   201,131
100   201,131   10,144    9,082    1,062   192,049
101   192,049   10,144    9,130    1,014   182,919
102   182,919   10,144    9,178      966   173,741
103   173,741   10,144    9,226      917   164,515
104   164,515   10,144    9,275      868   155,240
105   155,240   10,144    9,324      819   145,915
106   145,915   10,144    9,373      770   136,542
107   136,542   10,144    9,423      721   127,119
108   127,119   10,144    9,473      671   117,647
109   117,647   10,144    9,523      621   108,124
110   108,124   10,144    9,573      571    98,551
111    98,551   10,144    9,623      520    88,928
112    88,928   10,144    9,674      469    79,254
113    79,254   10,144    9,725      418    69,529
114    69,529   10,144    9,777      367    59,752
115    59,752   10,144    9,828      315    49,924
116    49,924   10,144    9,880      264    40,044
117    40,044   10,144    9,932      211    30,112
118    30,112   10,144    9,985      159    20,128
119    20,128   10,144   10,037      106    10,090
120    10,090   10,144   10,090       53         0
121         0      -         (0)       0         0
122         0      -         (0)       0         0
123         0      -         (0)       0         0
124         0      -         (0)       0         0
125         0      -         (0)       0         0
126         0      -         (0)       0         0
127         0      -         (0)       0         0
128         0      -         (0)       0         0
129         0      -         (0)       0         0
130         0      -         (0)       0         0
131         0      -         (0)       0         0
132         0      -         (0)       0         0
133         0      -         (0)       0         0
134         0      -         (0)       0         0
135         0      -         (0)       0         0
136         0      -         (0)       0         0
137         0      -         (0)       0         0
138         0      -         (0)       0         0
139         0      -         (0)       0         0
140         0      -         (0)       0         0
141         0      -         (0)       0         0
142         0      -         (0)       0         0
143         0      -         (0)       0         0
144         0      -         (0)       0         0
145         0      -         (0)       0         0
146         0      -         (0)       0         0
147   0   -   (0)   0   0
148   0   -   (0)   0   0
149   0   -   (0)   0   0
150   0   -   (0)   0   0
151   0   -   (0)   0   0
152   0   -   (0)   0   0
153   0   -   (0)   0   0
154   0   -   (0)   0   0
155   0   -   (0)   0   0
156   0   -   (0)   0   0
157   0   -   (0)   0   0
158   0   -   (0)   0   0
159   0   -   (0)   0   0
160   0   -   (0)   0   0
161   0   -   (0)   0   0
162   0   -   (0)   0   0
163   0   -   (0)   0   0
164   0   -   (0)   0   0
165   0   -   (0)   0   0
166   0   -   (0)   0   0
167   0   -   (0)   0   0
168   0   -   (0)   0   0
169   0   -   (0)   0   0
170   0   -   (0)   0   0
171   0   -   (0)   0   0
172   0   -   (0)   0   0
173   0   -   (0)   0   0
174   0   -   (0)   0   0
175   0   -   (0)   0   0
176   0   -   (0)   0   0
177   0   -   (0)   0   0
178   0   -   (0)   0   0
179   0   -   (0)   0   0
180   0   -   (0)   0   0
181   0   -   (0)   0   0
182   0   -   (0)   0   0
183   0   -   (0)   0   0
184   0   -   (0)   0   0
185   0   -   (0)   0   0
186   0   -   (0)   0   0
187   0   -   (0)   0   0
188   0   -   (0)   0   0
189   0   -   (0)   0   0
190   0   -   (0)   0   0
191   0   -   (0)   0   0
192   0   -   (0)   0   0
193   0   -   (0)   0   0
194   0   -   (0)   0   0
195   0   -   (0)   0   0
196   0   -   (0)   0   0
197   0   -   (0)   0   0
198   0   -   (0)   0   0
199   0   -   (0)   0   0
200   0   -   (0)   0   0
201   0   -   (0)   0   0
202   0   -   (0)   0   0
203   0   -   (0)   0   0
204   0   -   (0)   0   0
205   0   -   (0)   0   0
206   0   -   (0)   0   0
207   0   -   (0)   0   0
208   0   -   (0)   0   0
209   0   -   (0)   0   0
210   0   -   (0)   0   0
211   0   -   (0)   0   0
212   0   -   (0)   0   0
213   0   -   (0)   0   0
214   0   -   (0)   0   0
215   0   -   (0)   0   0
216   0   -   (0)   0   0
217   0   -   (0)   0   0
218   0   -   (0)   0   0
219   0   -   (0)   0   0
220   0   -   (0)   0   0
221   0   -   (0)   0   0
222   0   -   (0)   0   0
223   0   -   (0)   0   0
224   0   -   (0)   0   0
225   0   -   (0)   0   0
226   0   -   (0)   0   0
227   0   -   (0)   0   0
228   0   -   (0)   0   0
229   0   -   (0)   0   0
230   0   -   (0)   0   0
231   0   -   (0)   0   0
232   0   -   (0)   0   0
233   0   -   (0)   0   0
234   0   -   (0)   0   0
235   0   -   (0)   0   0
236   0   -   (0)   0   0
237   0   -   (0)   0   0
238   0   -   (0)   0   0
239   0   -   (0)   0   0
240   0   -   (0)   0   0
241   0   -   (0)   0   0
242   0   -   (0)   0   0
243   0   -   (0)   0   0
244   0   -   (0)   0   0
245   0   -   (0)   0   0
246   0   -   (0)   0   0
247   0   -   (0)   0   0
248   0   -   (0)   0   0
249   0   -   (0)   0   0
250   0   -   (0)   0   0
251   0   -   (0)   0   0
252   0   -   (0)   0   0
253   0   -   (0)   0   0
254   0   -   (0)   0   0
255   0   -   (0)   0   0
256   0   -   (0)   0   0
257   0   -   (0)   0   0
258   0   -   (0)   0   0
259   0   -   (0)   0   0
260   0   -   (0)   0   0
261   0   -   (0)   0   0
262   0   -   (0)   0   0
263   0   -   (0)   0   0
264   0   -   (0)   0   0
265   0   -   (0)   0   0
266   0   -   (0)   0   0
267   0   -   (0)   0   0
268   0   -   (0)   0   0
269   0   -   (0)   0   0
270   0   -   (0)   0   0
271   0   -   (0)   0   0
272   0   -   (0)   0   0
273   0   -   (0)   0   0
274   0   -   (0)   0   0
275   0   -   (0)   0   0
276   0   -   (0)   0   0
277   0   -   (0)   0   0
278   0   -   (0)   0   0
279   0   -   (0)   0   0
280   0   -   (0)   0   0
281   0   -   (0)   0   0
282   0   -   (0)   0   0
283   0   -   (0)   0   0
284   0   -   (0)   0   0
285   0   -   (0)   0   0
286   0   -   (0)   0   0
287   0   -   (0)   0   0
288   0   -   (0)   0   0
289   0   -   (0)   0   0
290   0   -   (0)   0   0
291   0   -   (0)   0   0
292   0   -   (0)   0   0
293   0   -   (0)   0   0
294   0   -   (0)   0   0
295   0   -   (0)   0   0
296   0   -   (0)   0   0
297   0   -   (0)   0   0
298   0   -   (0)   0   0
299   0   -   (0)   0   0
300   0   -   (0)   0   0
301   0   -   (0)   0   0
302   0   -   (0)   0   0
303   0   -   (0)   0   0
304   0   -   (0)   0   0
305   0   -   (0)   0   0
306   0   -   (0)   0   0
307   0   -   (0)   0   0
308   0   -   (0)   0   0
309   0   -   (0)   0   0
310   0   -   (0)   0   0
311   0   -   (0)   0   0
312   0   -   (0)   0   0
313   0   -   (0)   0   0
314   0   -   (0)   0   0
315   0   -   (0)   0   0
316   0   -   (0)   0   0
317   0   -   (0)   0   0
318   0   -   (0)   0   0
319   0   -   (0)   0   0
320   0   -   (0)   0   0
321   0   -   (0)   0   0
322   0   -   (0)   0   0
323   0   -   (0)   0   0
324   0   -   (0)   0   0
325   0   -   (0)   0   0
326   0   -   (0)   0   0
327   0   -   (0)   0   0
328   0   -   (0)   0   0
329   0   -   (0)   0   0
330   0   -   (0)   0   0
331   0   -   (0)   0   0
332   0   -   (0)   0   0
333   0   -   (0)   0   0
334   0   -   (0)   0   0
335   0   -   (0)   0   0
336   0   -   (0)   0   0
337   0   -   (0)   0   0
338   0   -   (0)   0   0
339   0   -   (0)   0   0
340   0   -   (0)   0   0
341   0   -   (0)   0   0
342   0   -   (0)   0   0
343   0   -   (0)   0   0
344   0   -   (0)   0   0
345   0   -   (0)   0   0
346   0   -   (0)   0   0
347   0   -   (0)   0   0
348   0   -   (0)   0   0
349   0   -   (0)   0   0
350   0   -   (0)   0   0
351   0   -   (0)   0   0
352   0   -   (0)   0   0
353   0   -   (0)   0   0
354   0   -   (0)   0   0
355   0     -      (0)      0       0
356   0     -      (0)      0       0
357   0     -      (0)      0       0
358   0     -      (0)      0       0
359   0     -      (0)      0       0
360   0     -      (0)      0       0
361   0     -      (0)      0   -

          ####   ####    ####
                                 (Input highlighted fields in blue font)
                                                                    Bank 'B'         Smart Home 'A'      Smart Home 'B'
Loan Amount                                                          1,200,000            1,200,000            1,200,000                            Back to Main

Tenor                                                                      240                  240                  240 Competitor (Bank B ) Amortisation Schedule
Year 1 interest rate                                                     6.50%                7.50%                7.50%
Year 2 interest rate                                                     7.50%            N/A                 N/A              Smart Home A Amortisation Schedule
Year 3 onwards interest rate                                             8.00%            N/A                 N/A
                                                                                                                               Smart Home B Amortisation Schedule
Excess Deposit                                                        N/A                        2,000              100,000
Smart Home 'A' - is when the customer deposits an incremental amount every month                                               Graphical Comparison of amortisation of different schemes
Smart Home 'B' - is when the customer maintains a constant deposits from the start of the loan

Interest Saving                                                     Bank 'B'         Smart Home 'A'      Smart Home 'B'
Interest paid                                                         1,179,098               738,925             842,667
Interest saving over the tenor of the loan                                                    440,174             336,431
% Saving                                                                                          37%                  29%
Tenor Saving                                                        Bank 'B'         Smart Home 'A'      Smart Home 'B'
Tenor of the loan                                                              240                165                  199
Saving in months                                                                                    75                  41
% Saving                                                                                          31%                  17%

Interest rate on normal loan for similar interest payout                    7.83%                5.24%                 5.88%



Assumptions
1. Interest on Smart Home loans is based on a 31 day month basis.



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                                                                  Comparison with competitors

                              1,400,000
Amortised value of the loan


                              1,200,000

                              1,000,000

                               800,000

                               600,000

                               400,000

                               200,000

                                     0


                                                                        103

                                                                              120

                                                                                    137

                                                                                          154

                                                                                                171

                                                                                                      188

                                                                                                            205

                                                                                                                  222

                                                                                                                        239

                                                                                                                              256

                                                                                                                                      273

                                                                                                                                            290
                                          1

                                              18

                                                   35

                                                        52

                                                             69

                                                                   86

                                                                         Number of equal monthly installments

                                                                  Bank B Amortisation                 Smart Loan A                  Smart Loan B
                                    Back to Main
                  324
      290

            307



                        341

                              358




Smart Loan B
             Year 1                            Year 2                                  Year 3
Loan Amount           1,200,000    Loan Amount          ######      Loan Amount
Rate of interest          6.50%    Rate of interest       7.50%     Rate of interest
Term                        240    Term                     228     Term
EMI                        8,947   EMI                     9,640    EMI

   Amortisation        Principal          EMI           Principal        Interest
                      -1,200,000
       1               1,200,000         8,947           2,447            6,500
       2               1,197,553         8,947           2,460            6,487
       3               1,195,093         8,947           2,473            6,473
       4               1,192,620         8,947           2,487            6,460
       5               1,190,133         8,947           2,500            6,447
       6               1,187,632         8,947           2,514            6,433
       7               1,185,118         8,947           2,527            6,419
       8               1,182,591         8,947           2,541            6,406
       9               1,180,050         8,947           2,555            6,392
       10              1,177,495         8,947           2,569            6,378
       11              1,174,926         8,947           2,583            6,364
       12              1,172,343         8,947           2,597            6,350
       13              1,169,747         9,640           2,329            7,311
       14              1,167,418         9,640           2,343            7,296
       15              1,165,075         9,640           2,358            7,282
       16              1,162,717         9,640           2,373            7,267
       17              1,160,344         9,640           2,387            7,252
       18              1,157,957         9,640           2,402            7,237
       19              1,155,554         9,640           2,417            7,222
       20              1,153,137         9,640           2,433            7,207
       21              1,150,704         9,640           2,448            7,192
       22              1,148,257         9,640           2,463            7,177
       23              1,145,794         9,640           2,478            7,161
       24              1,143,315         9,640           2,494            7,146
       25              1,140,821         9,982           2,376            7,605
       26              1,138,445         9,982           2,392            7,590
       27              1,136,053         9,982           2,408            7,574
       28              1,133,645         9,982           2,424            7,558
       29              1,131,221         9,982           2,440            7,541
       30              1,128,780         9,982           2,457            7,525
       31              1,126,324         9,982           2,473            7,509
       32              1,123,851         9,982           2,489            7,492
       33              1,121,361         9,982           2,506            7,476
       34              1,118,855         9,982           2,523            7,459
       35              1,116,333         9,982           2,540            7,442
       36              1,113,793         9,982           2,556            7,425
       37              1,111,237         9,982           2,574            7,408
       38              1,108,663         9,982           2,591            7,391
       39              1,106,072         9,982           2,608            7,374
       40              1,103,465         9,982           2,625            7,356
       41              1,100,839         9,982           2,643            7,339
       42              1,098,196         9,982           2,660            7,321
       43              1,095,536         9,982           2,678            7,304
       44              1,092,858         9,982           2,696            7,286
45   1,090,162   9,982   2,714   7,268
46   1,087,448   9,982   2,732   7,250
47   1,084,716   9,982   2,750   7,231
48   1,081,965   9,982   2,769   7,213
49   1,079,197   9,982   2,787   7,195
50   1,076,409   9,982   2,806   7,176
51   1,073,604   9,982   2,824   7,157
52   1,070,779   9,982   2,843   7,139
53   1,067,936   9,982   2,862   7,120
54   1,065,074   9,982   2,881   7,100
55   1,062,193   9,982   2,900   7,081
56   1,059,292   9,982   2,920   7,062
57   1,056,372   9,982   2,939   7,042
58   1,053,433   9,982   2,959   7,023
59   1,050,474   9,982   2,979   7,003
60   1,047,496   9,982   2,998   6,983
61   1,044,497   9,982   3,018   6,963
62   1,041,479   9,982   3,039   6,943
63   1,038,440   9,982   3,059   6,923
64   1,035,381   9,982   3,079   6,903
65   1,032,302   9,982   3,100   6,882
66   1,029,202   9,982   3,120   6,861
67   1,026,082   9,982   3,141   6,841
68   1,022,941   9,982   3,162   6,820
69   1,019,779   9,982   3,183   6,799
70   1,016,595   9,982   3,204   6,777
71   1,013,391   9,982   3,226   6,756
72   1,010,165   9,982   3,247   6,734
73   1,006,918   9,982   3,269   6,713
74   1,003,649   9,982   3,291   6,691
75   1,000,358   9,982   3,313   6,669
76    997,045    9,982   3,335   6,647
77    993,711    9,982   3,357   6,625
78    990,354    9,982   3,379   6,602
79    986,974    9,982   3,402   6,580
80    983,572    9,982   3,425   6,557
81    980,148    9,982   3,447   6,534
82    976,700    9,982   3,470   6,511
83    973,230    9,982   3,494   6,488
84    969,736    9,982   3,517   6,465
85    966,219    9,982   3,540   6,441
86    962,679    9,982   3,564   6,418
87    959,115    9,982   3,588   6,394
88    955,527    9,982   3,612   6,370
89    951,916    9,982   3,636   6,346
90    948,280    9,982   3,660   6,322
91    944,620    9,982   3,684   6,297
92    940,936    9,982   3,709   6,273
93    937,227    9,982   3,734   6,248
94    933,494    9,982   3,758   6,223
95    929,735    9,982   3,784   6,198
96    925,952    9,982   3,809   6,173
 97   922,143   9,982   3,834   6,148
 98   918,309   9,982   3,860   6,122
 99   914,449   9,982   3,885   6,096
100   910,564   9,982   3,911   6,070
101   906,652   9,982   3,937   6,044
102   902,715   9,982   3,964   6,018
103   898,751   9,982   3,990   5,992
104   894,761   9,982   4,017   5,965
105   890,744   9,982   4,043   5,938
106   886,701   9,982   4,070   5,911
107   882,631   9,982   4,098   5,884
108   878,533   9,982   4,125   5,857
109   874,408   9,982   4,152   5,829
110   870,256   9,982   4,180   5,802
111   866,076   9,982   4,208   5,774
112   861,868   9,982   4,236   5,746
113   857,632   9,982   4,264   5,718
114   853,368   9,982   4,293   5,689
115   849,075   9,982   4,321   5,660
116   844,754   9,982   4,350   5,632
117   840,404   9,982   4,379   5,603
118   836,025   9,982   4,408   5,573
119   831,616   9,982   4,438   5,544
120   827,179   9,982   4,467   5,515
121   822,711   9,982   4,497   5,485
122   818,214   9,982   4,527   5,455
123   813,687   9,982   4,557   5,425
124   809,130   9,982   4,588   5,394
125   804,543   9,982   4,618   5,364
126   799,924   9,982   4,649   5,333
127   795,276   9,982   4,680   5,302
128   790,596   9,982   4,711   5,271
129   785,885   9,982   4,743   5,239
130   781,142   9,982   4,774   5,208
131   776,368   9,982   4,806   5,176
132   771,562   9,982   4,838   5,144
133   766,724   9,982   4,870   5,111
134   761,854   9,982   4,903   5,079
135   756,951   9,982   4,935   5,046
136   752,015   9,982   4,968   5,013
137   747,047   9,982   5,001   4,980
138   742,046   9,982   5,035   4,947
139   737,011   9,982   5,068   4,913
140   731,943   9,982   5,102   4,880
141   726,840   9,982   5,136   4,846
142   721,704   9,982   5,170   4,811
143   716,534   9,982   5,205   4,777
144   711,329   9,982   5,240   4,742
145   706,089   9,982   5,274   4,707
146   700,815   9,982   5,310   4,672
147   695,505   9,982   5,345   4,637
148   690,160   9,982   5,381   4,601
149   684,779   9,982   5,417   4,565
150   679,363   9,982   5,453   4,529
151   673,910   9,982   5,489   4,493
152   668,421   9,982   5,526   4,456
153   662,896   9,982   5,562   4,419
154   657,333   9,982   5,600   4,382
155   651,734   9,982   5,637   4,345
156   646,097   9,982   5,674   4,307
157   640,422   9,982   5,712   4,269
158   634,710   9,982   5,750   4,231
159   628,960   9,982   5,789   4,193
160   623,171   9,982   5,827   4,154
161   617,344   9,982   5,866   4,116
162   611,478   9,982   5,905   4,077
163   605,572   9,982   5,945   4,037
164   599,628   9,982   5,984   3,998
165   593,643   9,982   6,024   3,958
166   587,619   9,982   6,064   3,917
167   581,555   9,982   6,105   3,877
168   575,450   9,982   6,145   3,836
169   569,305   9,982   6,186   3,795
170   563,118   9,982   6,228   3,754
171   556,891   9,982   6,269   3,713
172   550,622   9,982   6,311   3,671
173   544,311   9,982   6,353   3,629
174   537,958   9,982   6,395   3,586
175   531,562   9,982   6,438   3,544
176   525,124   9,982   6,481   3,501
177   518,643   9,982   6,524   3,458
178   512,119   9,982   6,568   3,414
179   505,552   9,982   6,611   3,370
180   498,940   9,982   6,655   3,326
181   492,285   9,982   6,700   3,282
182   485,585   9,982   6,745   3,237
183   478,840   9,982   6,789   3,192
184   472,051   9,982   6,835   3,147
185   465,216   9,982   6,880   3,101
186   458,336   9,982   6,926   3,056
187   451,410   9,982   6,972   3,009
188   444,437   9,982   7,019   2,963
189   437,418   9,982   7,066   2,916
190   430,353   9,982   7,113   2,869
191   423,240   9,982   7,160   2,822
192   416,080   9,982   7,208   2,774
193   408,872   9,982   7,256   2,726
194   401,616   9,982   7,304   2,677
195   394,312   9,982   7,353   2,629
196   386,959   9,982   7,402   2,580
197   379,557   9,982   7,451   2,530
198   372,105   9,982   7,501   2,481
199   364,604   9,982   7,551   2,431
200   357,053   9,982   7,601   2,380
201   349,452   9,982   7,652   2,330
202   341,800   9,982   7,703   2,279
203   334,097   9,982   7,754   2,227
204   326,342   9,982   7,806   2,176
205   318,536   9,982   7,858   2,124
206   310,678   9,982   7,911   2,071
207   302,767   9,982   7,963   2,018
208   294,804   9,982   8,016   1,965
209   286,787   9,982   8,070   1,912
210   278,718   9,982   8,124   1,858
211   270,594   9,982   8,178   1,804
212   262,416   9,982   8,232   1,749
213   254,184   9,982   8,287   1,695
214   245,897   9,982   8,342   1,639
215   237,554   9,982   8,398   1,584
216   229,156   9,982   8,454   1,528
217   220,702   9,982   8,510   1,471
218   212,192   9,982   8,567   1,415
219   203,625   9,982   8,624   1,357
220   195,000   9,982   8,682   1,300
221   186,319   9,982   8,740   1,242
222   177,579   9,982   8,798   1,184
223   168,781   9,982   8,857   1,125
224   159,924   9,982   8,916   1,066
225   151,009   9,982   8,975   1,007
226   142,034   9,982   9,035    947
227   132,999   9,982   9,095    887
228   123,904   9,982   9,156    826
229   114,748   9,982   9,217    765
230   105,531   9,982   9,278    704
231    96,253   9,982   9,340    642
232    86,913   9,982   9,402    579
233    77,511   9,982   9,465    517
234    68,046   9,982   9,528    454
235    58,518   9,982   9,592    390
236    48,926   9,982   9,656    326
237    39,270   9,982   9,720    262
238    29,550   9,982   9,785    197
239    19,766   9,982   9,850    132
240     9,916   9,982   9,916     66
241       0       0       0        0
242       0       0       0        0
243       0       0       0        0
244       0       0       0        0
245       0       0       0        0
246       0       0       0        0
247       0       0       0        0
248       0       0       0        0
249       0       0       0        0
250       0       0       0        0
251       0       0       0        0
252       0       0       0        0
253   0   0   0   0
254   0   0   0   0
255   0   0   0   0
256   0   0   0   0
257   0   0   0   0
258   0   0   0   0
259   0   0   0   0
260   0   0   0   0
261   0   0   0   0
262   0   0   0   0
263   0   0   0   0
264   0   0   0   0
265   0   0   0   0
266   0   0   0   0
267   0   0   0   0
268   0   0   0   0
269   0   0   0   0
270   0   0   0   0
271   0   0   0   0
272   0   0   0   0
273   0   0   0   0
274   0   0   0   0
275   0   0   0   0
276   0   0   0   0
277   0   0   0   0
278   0   0   0   0
279   0   0   0   0
280   0   0   0   0
281   0   0   0   0
282   0   0   0   0
283   0   0   0   0
284   0   0   0   0
285   0   0   0   0
286   0   0   0   0
287   0   0   0   0
288   0   0   0   0
289   0   0   0   0
290   0   0   0   0
291   0   0   0   0
292   0   0   0   0
293   0   0   0   0
294   0   0   0   0
295   0   0   0   0
296   0   0   0   0
297   0   0   0   0
298   0   0   0   0
299   0   0   0   0
300   0   0   0   0
301   0   0   0   0
302   0   0   0   0
303   0   0   0   0
304   0   0   0   0
305   0   0   0   0
306   0   0   0   0
307   0   0   0   0
308   0   0   0   0
309   0   0   0   0
310   0   0   0   0
311   0   0   0   0
312   0   0   0   0
313   0   0   0   0
314   0   0   0   0
315   0   0   0   0
316   0   0   0   0
317   0   0   0   0
318   0   0   0   0
319   0   0   0   0
320   0   0   0   0
321   0   0   0   0
322   0   0   0   0
323   0   0   0   0
324   0   0   0   0
325   0   0   0   0
326   0   0   0   0
327   0   0   0   0
328   0   0   0   0
329   0   0   0   0
330   0   0   0   0
331   0   0   0   0
332   0   0   0   0
333   0   0   0   0
334   0   0   0   0
335   0   0   0   0
336   0   0   0   0
337   0   0   0   0
338   0   0   0   0
339   0   0   0   0
340   0   0   0   0
341   0   0   0   0
342   0   0   0   0
343   0   0   0   0
344   0   0   0   0
345   0   0   0   0
346   0   0   0   0
347   0   0   0   0
348   0   0   0   0
349   0   0   0   0
350   0   0   0   0
351   0   0   0   0
352   0   0   0   0
353   0   0   0   0
354   0   0   0   0
355   0   0   0   0
356   0   0   0   0
357   0   0       0           0
358   0   0       0           0
359   0   0       0           0
360   0   0       0           0
361   0   0       0           0
              1,200,000   1,179,098
Year 3                              Residual Tenor
                  ######     Loan Amount        ######
                    8.00%    Rate of interest      8.00%
                      216    Term                    204
                     9,982   EMI                    9,982

Closing Balance   Back to cover Sheet

   1,197,553
   1,195,093
   1,192,620
   1,190,133
   1,187,632
   1,185,118
   1,182,591
   1,180,050
   1,177,495
   1,174,926
   1,172,343
   1,169,747
   1,167,418
   1,165,075
   1,162,717
   1,160,344
   1,157,957
   1,155,554
   1,153,137
   1,150,704
   1,148,257
   1,145,794
   1,143,315
   1,140,821
   1,138,445
   1,136,053
   1,133,645
   1,131,221
   1,128,780
   1,126,324
   1,123,851
   1,121,361
   1,118,855
   1,116,333
   1,113,793
   1,111,237
   1,108,663
   1,106,072
   1,103,465
   1,100,839
   1,098,196
   1,095,536
   1,092,858
   1,090,162
1,087,448
1,084,716
1,081,965
1,079,197
1,076,409
1,073,604
1,070,779
1,067,936
1,065,074
1,062,193
1,059,292
1,056,372
1,053,433
1,050,474
1,047,496
1,044,497
1,041,479
1,038,440
1,035,381
1,032,302
1,029,202
1,026,082
1,022,941
1,019,779
1,016,595
1,013,391
1,010,165
1,006,918
1,003,649
1,000,358
 997,045
 993,711
 990,354
 986,974
 983,572
 980,148
 976,700
 973,230
 969,736
 966,219
 962,679
 959,115
 955,527
 951,916
 948,280
 944,620
 940,936
 937,227
 933,494
 929,735
 925,952
 922,143
918,309
914,449
910,564
906,652
902,715
898,751
894,761
890,744
886,701
882,631
878,533
874,408
870,256
866,076
861,868
857,632
853,368
849,075
844,754
840,404
836,025
831,616
827,179
822,711
818,214
813,687
809,130
804,543
799,924
795,276
790,596
785,885
781,142
776,368
771,562
766,724
761,854
756,951
752,015
747,047
742,046
737,011
731,943
726,840
721,704
716,534
711,329
706,089
700,815
695,505
690,160
684,779
679,363
673,910
668,421
662,896
657,333
651,734
646,097
640,422
634,710
628,960
623,171
617,344
611,478
605,572
599,628
593,643
587,619
581,555
575,450
569,305
563,118
556,891
550,622
544,311
537,958
531,562
525,124
518,643
512,119
505,552
498,940
492,285
485,585
478,840
472,051
465,216
458,336
451,410
444,437
437,418
430,353
423,240
416,080
408,872
401,616
394,312
386,959
379,557
372,105
364,604
357,053
349,452
341,800
334,097
326,342
318,536
310,678
302,767
294,804
286,787
278,718
270,594
262,416
254,184
245,897
237,554
229,156
220,702
212,192
203,625
195,000
186,319
177,579
168,781
159,924
151,009
142,034
132,999
123,904
114,748
105,531
 96,253
 86,913
 77,511
 68,046
 58,518
 48,926
 39,270
 29,550
 19,766
  9,916
    0
    0
    0
    0
    0
    0
    0
    0
    0
    0
    0
    0
    0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
    -
Loan Amount                                    1,200,000
Rate of Interest                                   7.50%
Tenure (in months)                                   240 Principal paid   1,200,000
No of Days in a month                                 31 Interest paid      738,925
Excess Deposit                                     2,000 Instalments            165
EMI                                                9,773


       Month            Opening Limit     Excess Deposit           EMI      Interest   Interest
                        as per original     (Incremental)
                         amortisation
                           schedule



           0                (1,200,000)
           1                 1,200,000             2,000         9,773       7,631      7,631
           2                 1,197,871             2,000         9,773       7,605      7,605
           3                 1,195,728             2,000         9,773       7,578      7,578
           4                 1,193,572             2,000         9,773       7,551      7,551
           5                 1,191,402             2,000         9,773       7,525      7,525
           6                 1,189,218             2,000         9,773       7,497      7,497
           7                 1,187,020             2,000         9,773       7,470      7,470
           8                 1,184,808             2,000         9,773       7,443      7,443
           9                 1,182,583             2,000         9,773       7,415      7,415
          10                 1,180,343             2,000         9,773       7,388      7,388
          11                 1,178,088             2,000         9,773       7,360      7,360
          12                 1,175,820             2,000         9,773       7,331      7,331
          13                 1,173,536             2,000         9,773       7,303      7,303
          14                 1,171,239             2,000         9,773       7,275      7,275
          15                 1,168,926             2,000         9,773       7,246      7,246
          16                 1,166,599             2,000         9,773       7,217      7,217
          17                 1,164,258             2,000         9,773       7,188      7,188
          18                 1,161,901             2,000         9,773       7,159      7,159
          19                 1,159,529             2,000         9,773       7,130      7,130
          20                 1,157,142             2,000         9,773       7,100      7,100
          21                 1,154,740             2,000         9,773       7,070      7,070
          22                 1,152,323             2,000         9,773       7,040      7,040
          23                 1,149,890             2,000         9,773       7,010      7,010
          24                 1,147,442             2,000         9,773       6,980      6,980
          25                 1,144,978             2,000         9,773       6,949      6,949
          26                 1,142,498             2,000         9,773       6,919      6,919
          27                 1,140,003             2,000         9,773       6,888      6,888
          28                 1,137,491             2,000         9,773       6,857      6,857
          29                 1,134,964             2,000         9,773       6,825      6,825
          30                 1,132,421             2,000         9,773       6,794      6,794
          31                 1,129,861             2,000         9,773       6,762      6,762
          32                 1,127,285             2,000         9,773       6,730      6,730
          33                 1,124,693             2,000         9,773       6,698      6,698
          34                 1,122,084             2,000         9,773       6,666      6,666
          35                 1,119,459             2,000         9,773       6,633      6,633
          36                 1,116,817             2,000         9,773       6,600      6,600
37   1,114,158   2,000   9,773   6,567   6,567
38   1,111,482   2,000   9,773   6,534   6,534
39   1,108,789   2,000   9,773   6,501   6,501
40   1,106,079   2,000   9,773   6,467   6,467
41   1,103,352   2,000   9,773   6,433   6,433
42   1,100,607   2,000   9,773   6,399   6,399
43   1,097,845   2,000   9,773   6,365   6,365
44   1,095,065   2,000   9,773   6,331   6,331
45   1,092,267   2,000   9,773   6,296   6,296
46   1,089,452   2,000   9,773   6,261   6,261
47   1,086,619   2,000   9,773   6,226   6,226
48   1,083,767   2,000   9,773   6,191   6,191
49   1,080,898   2,000   9,773   6,155   6,155
50   1,078,010   2,000   9,773   6,119   6,119
51   1,075,104   2,000   9,773   6,083   6,083
52   1,072,179   2,000   9,773   6,047   6,047
53   1,069,236   2,000   9,773   6,011   6,011
54   1,066,274   2,000   9,773   5,974   5,974
55   1,063,293   2,000   9,773   5,937   5,937
56   1,060,293   2,000   9,773   5,900   5,900
57   1,057,274   2,000   9,773   5,862   5,862
58   1,054,236   2,000   9,773   5,825   5,825
59   1,051,178   2,000   9,773   5,787   5,787
60   1,048,101   2,000   9,773   5,749   5,749
61   1,045,004   2,000   9,773   5,710   5,710
62   1,041,888   2,000   9,773   5,672   5,672
63   1,038,752   2,000   9,773   5,633   5,633
64   1,035,596   2,000   9,773   5,594   5,594
65   1,032,419   2,000   9,773   5,555   5,555
66   1,029,223   2,000   9,773   5,515   5,515
67   1,026,006   2,000   9,773   5,475   5,475
68   1,022,768   2,000   9,773   5,435   5,435
69   1,019,510   2,000   9,773   5,395   5,395
70   1,016,232   2,000   9,773   5,354   5,354
71   1,012,932   2,000   9,773   5,313   5,313
72   1,009,611   2,000   9,773   5,272   5,272
73   1,006,269   2,000   9,773   5,230   5,230
74   1,002,906   2,000   9,773   5,189   5,189
75     999,522   2,000   9,773   5,147   5,147
76     996,116   2,000   9,773   5,105   5,105
77     992,688   2,000   9,773   5,062   5,062
78     989,238   2,000   9,773   5,019   5,019
79     985,766   2,000   9,773   4,976   4,976
80     982,273   2,000   9,773   4,933   4,933
81     978,757   2,000   9,773   4,890   4,890
82     975,218   2,000   9,773   4,846   4,846
83     971,657   2,000   9,773   4,802   4,802
84     968,074   2,000   9,773   4,757   4,757
85     964,467   2,000   9,773   4,712   4,712
86     960,838   2,000   9,773   4,667   4,667
87     957,185   2,000   9,773   4,622   4,622
88     953,510   2,000   9,773   4,577   4,577
 89   949,810   2,000   9,773   4,531   4,531
 90   946,088   2,000   9,773   4,485   4,485
 91   942,341   2,000   9,773   4,438   4,438
 92   938,571   2,000   9,773   4,392   4,392
 93   934,776   2,000   9,773   4,345   4,345
 94   930,958   2,000   9,773   4,297   4,297
 95   927,115   2,000   9,773   4,250   4,250
 96   923,248   2,000   9,773   4,202   4,202
 97   919,356   2,000   9,773   4,153   4,153
 98   915,439   2,000   9,773   4,105   4,105
 99   911,497   2,000   9,773   4,056   4,056
100   907,530   2,000   9,773   4,007   4,007
101   903,538   2,000   9,773   3,957   3,957
102   899,521   2,000   9,773   3,908   3,908
103   895,478   2,000   9,773   3,858   3,858
104   891,409   2,000   9,773   3,807   3,807
105   887,314   2,000   9,773   3,756   3,756
106   883,193   2,000   9,773   3,705   3,705
107   879,046   2,000   9,773   3,654   3,654
108   874,873   2,000   9,773   3,602   3,602
109   870,672   2,000   9,773   3,550   3,550
110   866,446   2,000   9,773   3,498   3,498
111   862,192   2,000   9,773   3,445   3,445
112   857,911   2,000   9,773   3,392   3,392
113   853,603   2,000   9,773   3,339   3,339
114   849,267   2,000   9,773   3,285   3,285
115   844,904   2,000   9,773   3,231   3,231
116   840,513   2,000   9,773   3,176   3,176
117   836,094   2,000   9,773   3,122   3,122
118   831,647   2,000   9,773   3,067   3,067
119   827,171   2,000   9,773   3,011   3,011
120   822,667   2,000   9,773   2,955   2,955
121   818,135   2,000   9,773   2,899   2,899
122   813,573   2,000   9,773   2,843   2,843
123   808,983   2,000   9,773   2,786   2,786
124   804,363   2,000   9,773   2,729   2,729
125   799,714   2,000   9,773   2,671   2,671
126   795,035   2,000   9,773   2,613   2,613
127   790,326   2,000   9,773   2,555   2,555
128   785,587   2,000   9,773   2,496   2,496
129   780,819   2,000   9,773   2,437   2,437
130   776,019   2,000   9,773   2,377   2,377
131   771,190   2,000   9,773   2,317   2,317
132   766,329   2,000   9,773   2,257   2,257
133   761,437   2,000   9,773   2,197   2,197
134   756,515   2,000   9,773   2,136   2,136
135   751,561   2,000   9,773   2,074   2,074
136   746,575   2,000   9,773   2,012   2,012
137   741,558   2,000   9,773   1,950   1,950
138   736,508   2,000   9,773   1,888   1,888
139   731,427   2,000   9,773   1,825   1,825
140   726,313   2,000   9,773   1,761   1,761
141   721,167   2,000   9,773   1,698    1,698
142   715,988   2,000   9,773   1,633    1,633
143   710,775   2,000   9,773   1,569    1,569
144   705,530   2,000   9,773   1,504    1,504
145   700,251   2,000   9,773   1,438    1,438
146   694,939   2,000   9,773   1,373    1,373
147   689,592   2,000   9,773   1,306    1,306
148   684,212   2,000   9,773   1,240    1,240
149   678,798   2,000   9,773   1,173    1,173
150   673,348   2,000   9,773   1,105    1,105
151   667,865   2,000   9,773   1,037    1,037
152   662,346   2,000   9,773     969      969
153   656,792   2,000   9,773     900      900
154   651,203   2,000   9,773     831      831
155   645,578   2,000   9,773     761      761
156   639,917   2,000   9,773     691      691
157   634,220   2,000   9,773     620      620
158   628,487   2,000   9,773     549      549
159   622,718   2,000   9,773     478      478
160   616,912   2,000   9,773     406      406
161   611,068   2,000   9,773     333      333
162   605,188   2,000   9,773     260      260
163   599,270   2,000   9,773     187      187
164   593,314   2,000   9,773     113      113
165   587,321   2,000   6,164       39       39
166   581,289     -       -       -        -
167       -       -       -       -        -
168       -       -       -       -        -
169       -       -       -       -        -
170       -       -       -       -        -
171       -       -       -       -        -
172       -       -       -       -        -
173       -       -       -       -        -
174       -       -       -       -        -
175       -       -       -       -        -
176       -       -       -       -        -
177       -       -       -       -        -
178       -       -       -       -        -
179       -       -       -       -        -
180       -       -       -       -        -
181       -       -       -       -        -
182       -       -       -       -        -
183       -       -       -       -        -
184       -       -       -       -        -
185       -       -       -       -        -
186       -       -       -       -        -
187       -       -       -       -        -
188       -       -       -       -        -
189       -       -       -       -        -
190       -       -       -       -        -
191       -       -       -       -        -
192       -       -       -       -        -
193   -   -   -   -   -
194   -   -   -   -   -
195   -   -   -   -   -
196   -   -   -   -   -
197   -   -   -   -   -
198   -   -   -   -   -
199   -   -   -   -   -
200   -   -   -   -   -
201   -   -   -   -   -
202   -   -   -   -   -
203   -   -   -   -   -
204   -   -   -   -   -
205   -   -   -   -   -
206   -   -   -   -   -
207   -   -   -   -   -
208   -   -   -   -   -
209   -   -   -   -   -
210   -   -   -   -   -
211   -   -   -   -   -
212   -   -   -   -   -
213   -   -   -   -   -
214   -   -   -   -   -
215   -   -   -   -   -
216   -   -   -   -   -
217   -   -   -   -   -
218   -   -   -   -   -
219   -   -   -   -   -
220   -   -   -   -   -
221   -   -   -   -   -
222   -   -   -   -   -
223   -   -   -   -   -
224   -   -   -   -   -
225   -   -   -   -   -
226   -   -   -   -   -
227   -   -   -   -   -
228   -   -   -   -   -
229   -   -   -   -   -
230   -   -   -   -   -
231   -   -   -   -   -
232   -   -   -   -   -
233   -   -   -   -   -
234   -   -   -   -   -
235   -   -   -   -   -
236   -   -   -   -   -
237   -   -   -   -   -
238   -   -   -   -   -
239   -   -   -   -   -
240   -   -   -   -   -
241   -   -   -   -   -
242   -   -   -   -   -
243   -   -   -   -   -
244   -   -   -   -   -
245   -   -   -   -   -
246   -   -   -   -   -
247   -   -   -   -   -
248   -   -   -   -   -
249   -   -   -   -   -
250   -   -   -   -   -
251   -   -   -   -   -
252   -   -   -   -   -
253   -   -   -   -   -
254   -   -   -   -   -
255   -   -   -   -   -
256   -   -   -   -   -
257   -   -   -   -   -
258   -   -   -   -   -
259   -   -   -   -   -
260   -   -   -   -   -
261   -   -   -   -   -
262   -   -   -   -   -
263   -   -   -   -   -
264   -   -   -   -   -
265   -   -   -   -   -
266   -   -   -   -   -
267   -   -   -   -   -
268   -   -   -   -   -
269   -   -   -   -   -
270   -   -   -   -   -
271   -   -   -   -   -
272   -   -   -   -   -
273   -   -   -   -   -
274   -   -   -   -   -
275   -   -   -   -   -
276   -   -   -   -   -
277   -   -   -   -   -
278   -   -   -   -   -
279   -   -   -   -   -
280   -   -   -   -   -
281   -   -   -   -   -
282   -   -   -   -   -
283   -   -   -   -   -
284   -   -   -   -   -
285   -   -   -   -   -
286   -   -   -   -   -
287   -   -   -   -   -
288   -   -   -   -   -
289   -   -   -   -   -
290   -   -   -   -   -
291   -   -   -   -   -
292   -   -   -   -   -
293   -   -   -   -   -
294   -   -   -   -   -
295   -   -   -   -   -
296   -   -   -   -   -
297   -   -   -   -   -
298   -   -   -   -   -
299   -   -   -   -   -
300   -   -   -   -   -
301   -   -   -   -   -
302   -   -   -   -   -
303   -   -   -   -   -
304   -   -   -   -   -
305   -   -   -   -   -
306   -   -   -   -   -
307   -   -   -   -   -
308   -   -   -   -   -
309   -   -   -   -   -
310   -   -   -   -   -
311   -   -   -   -   -
312   -   -   -   -   -
313   -   -   -   -   -
314   -   -   -   -   -
315   -   -   -   -   -
316   -   -   -   -   -
317   -   -   -   -   -
318   -   -   -   -   -
319   -   -   -   -   -
320   -   -   -   -   -
321   -   -   -   -   -
322   -   -   -   -   -
323   -   -   -   -   -
324   -   -   -   -   -
325   -   -   -   -   -
326   -   -   -   -   -
327   -   -   -   -   -
328   -   -   -   -   -
329   -   -   -   -   -
330   -   -   -   -   -
331   -   -   -   -   -
332   -   -   -   -   -
333   -   -   -   -   -
334   -   -   -   -   -
335   -   -   -   -   -
336   -   -   -   -   -
337   -   -   -   -   -
338   -   -   -   -   -
339   -   -   -   -   -
340   -   -   -   -   -
341   -   -   -   -   -
342   -   -   -   -   -
343   -   -   -   -   -
344   -   -   -   -   -
345   -   -   -   -   -
346   -   -   -   -   -
347   -   -   -   -   -
348   -   -   -   -   -
349   -                    -          -         -         -
350   -                    -          -         -         -
351   -                    -          -         -         -
352   -                    -          -         -         -
353   -                    -          -         -         -
354   -                    -          -         -         -
355   -                    -          -         -         -
356   -                    -          -         -         -
357   -                    -          -         -         -
358   -                    -          -         -         -
359   -                    -          -         -         -
360   -                    -          -         -         -
361   -                    -          -         -         -

                      330,000   1,608,925   738,925   738,925

          Principal paid        1,200,000
          Interest paid           738,925
                      Back to cover Sheet                       Back to cover Sheet




   Principal   Surplus Paid   Total Available         Effective
amortisation                         Balance      Balance after
      as per                                          set off of
    original                                           balance
   schedule

                                                (closing balance)
                                                       1,200,000
      2,129             13             2,013           1,195,858
      2,143             26             4,038           1,191,690
      2,156             38             6,077           1,187,495
      2,170             51             8,128           1,183,274
      2,184             65            10,193           1,179,025
      2,198             78            12,270           1,174,750
      2,212             91            14,361           1,170,447
      2,226            104            16,466           1,166,117
      2,240            118            18,583           1,161,759
      2,254            131            20,714           1,157,374
      2,269            145            22,859           1,152,961
      2,283            158            25,017           1,148,519
      2,298            172            27,189           1,144,049
      2,312            186            29,375           1,139,551
      2,327            200            31,575           1,135,024
      2,342            214            33,789           1,130,469
      2,357            228            36,017           1,125,884
      2,372            242            38,259           1,121,270
      2,387            256            40,516           1,116,627
      2,402            271            42,786           1,111,954
      2,417            285            45,072           1,107,251
      2,433            300            47,372           1,102,518
      2,448            314            49,686           1,097,756
      2,464            329            52,015           1,092,962
      2,480            344            54,359           1,088,139
      2,495            359            56,718           1,083,284
      2,511            374            59,092           1,078,399
      2,527            389            61,482           1,073,483
      2,543            404            63,886           1,068,535
      2,560            420            66,306           1,063,556
      2,576            435            68,741           1,058,545
      2,592            451            71,191           1,053,502
      2,609            466            73,658           1,048,427
      2,625            482            76,139           1,043,319
      2,642            498            78,637           1,038,180
      2,659            514            81,151           1,033,007
2,676     530    83,680   1,027,801
2,693     546    86,226   1,022,563
2,710     562    88,788   1,017,291
2,727     578    91,367   1,011,985
2,745     595    93,961   1,006,646
2,762     611    96,573   1,001,272
2,780     628    99,200     995,864
2,798     645   101,845     990,422
2,815     661   104,507     984,945
2,833     678   107,185     979,434
2,851     695   109,880     973,887
2,869     713   112,593     968,305
2,888     730   115,323     962,687
2,906     747   118,070     957,033
2,925     765   120,835     951,344
2,943     782   123,618     945,618
2,962     800   126,418     939,856
2,981     818   129,236     934,057
3,000     836   132,072     928,221
3,019     854   134,926     922,348
3,038     872   137,798     916,438
3,058     890   140,689     910,490
3,077     909   143,597     904,504
3,097     927   146,525     898,480
3,116     946   149,471     892,417
3,136     965   152,436     886,316
3,156     984   155,420     880,176
3,176   1,003   158,422     873,997
3,197   1,022   161,444     867,779
3,217   1,041   164,485     861,521
3,237   1,060   167,546     855,223
3,258   1,080   170,626     848,885
3,279   1,100   173,725     842,506
3,300   1,119   176,845     836,087
3,321   1,139   179,984     829,627
3,342   1,159   183,143     823,126
3,363   1,179   186,322     816,584
3,385   1,200   189,522     810,000
3,406   1,220   192,742     803,374
3,428   1,240   195,982     796,705
3,450   1,261   199,244     789,994
3,472   1,282   202,525     783,241
3,494   1,303   205,828     776,444
3,516   1,324   209,152     769,605
3,538   1,345   212,497     762,721
3,561   1,366   215,863     755,794
3,584   1,388   219,251     748,823
3,606   1,409   222,661     741,807
3,629   1,431   226,092     734,746
3,653   1,453   229,545     727,641
3,676   1,475   233,019     720,490
3,699   1,497   236,516     713,294
3,723   1,519   240,036   706,052
3,746   1,542   243,578   698,764
3,770   1,564   247,142   691,429
3,794   1,587   250,729   684,048
3,819   1,610   254,339   676,619
3,843   1,633   257,972   669,144
3,867   1,656   261,628   661,620
3,892   1,679   265,307   654,049
3,917   1,703   269,009   646,430
3,942   1,726   272,736   638,762
3,967   1,750   276,486   631,045
3,992   1,774   280,260   623,279
4,018   1,798   284,058   615,463
4,043   1,822   287,880   607,598
4,069   1,846   291,726   599,683
4,095   1,871   295,597   591,717
4,121   1,896   299,493   583,700
4,147   1,920   303,413   575,633
4,174   1,945   307,359   567,514
4,200   1,971   311,329   559,343
4,227   1,996   315,325   551,120
4,254   2,021   319,347   542,845
4,281   2,047   323,394   534,517
4,308   2,073   327,466   526,136
4,336   2,099   331,565   517,702
4,363   2,125   335,690   509,214
4,391   2,151   339,841   500,672
4,419   2,177   344,018   492,076
4,447   2,204   348,222   483,425
4,475   2,231   352,453   474,718
4,504   2,258   356,711   465,956
4,533   2,285   360,996   457,139
4,562   2,312   365,308   448,265
4,591   2,340   369,648   439,335
4,620   2,367   374,015   430,348
4,649   2,395   378,410   421,303
4,679   2,423   382,834   412,201
4,709   2,451   387,285   403,041
4,739   2,480   391,765   393,823
4,769   2,508   396,273   384,546
4,799   2,537   400,810   375,210
4,830   2,566   405,376   365,814
4,861   2,595   409,971   356,358
4,892   2,624   414,595   346,843
4,923   2,654   419,248   337,266
4,954   2,683   423,932   327,629
4,986   2,713   428,645   317,930
5,017   2,743   433,388   308,170
5,049   2,773   438,161   298,347
5,081   2,804   442,965   288,462
5,114   2,834   447,799   278,514
5,146   2,865   452,665   268,502
5,179   2,896    457,561   258,427
5,212   2,927    462,488   248,287
5,245   2,959    467,447   238,083
5,279   2,990    472,437   227,814
5,312   3,022    477,459   217,480
5,346   3,054    482,513   207,079
5,380   3,086    487,600   196,613
5,415   3,119    492,718   186,079
5,449   3,151    497,870   175,479
5,484   3,184    503,054   164,811
5,519   3,217    508,271   154,075
5,554   3,250    513,521   143,271
5,589   3,284    518,805   132,398
5,625   3,317    524,122   121,456
5,661   3,351    529,474   110,444
5,697   3,385    534,859    99,361
5,733   3,420    540,279    88,209
5,770   3,454    545,733    76,985
5,806   3,489    551,222    65,690
5,843   3,524    556,746    54,322
5,881   3,559    562,305    42,883
5,918   3,595    567,900    31,370
5,956   3,630    573,530    19,784
5,994   3,666    579,196     8,125
6,032       93   581,289       -
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618,711   251,289   40,267,545   115,133,212
Loan Amount                   1,200,000
Rate of Interest                  7.50%                   Principal paid             1,200,000
Tenure (in months)                 240                    Interest paid               842,667
No of Days in a month               31                    Instalments                      199
Excess Deposit                 100,000
EMI                              9,773


        Month           Opening Limit      Effective        Available balance         EMI
                        as per original    Opening
                           schedule         balance

            0                (1,200,000)
            1                 1,200,000       1,200,000                    100,000      9,773
            2                 1,197,871       1,097,234                    100,000      9,773
            3                 1,195,728       1,094,450                    100,000      9,773
            4                 1,193,572       1,091,649                    100,000      9,773
            5                 1,191,402       1,088,830                    100,000      9,773
            6                 1,189,218       1,085,992                    100,000      9,773
            7                 1,187,020       1,083,137                    100,000      9,773
            8                 1,184,808       1,080,263                    100,000      9,773
            9                 1,182,583       1,077,372                    100,000      9,773
           10                 1,180,343       1,074,461                    100,000      9,773
           11                 1,178,088       1,071,533                    100,000      9,773
           12                 1,175,820       1,068,585                    100,000      9,773
           13                 1,173,536       1,065,619                    100,000      9,773
           14                 1,171,239       1,062,634                    100,000      9,773
           15                 1,168,926       1,059,630                    100,000      9,773
           16                 1,166,599       1,056,607                    100,000      9,773
           17                 1,164,258       1,053,564                    100,000      9,773
           18                 1,161,901       1,050,502                    100,000      9,773
           19                 1,159,529       1,047,421                    100,000      9,773
           20                 1,157,142       1,044,320                    100,000      9,773
           21                 1,154,740       1,041,199                    100,000      9,773
           22                 1,152,323       1,038,058                    100,000      9,773
           23                 1,149,890       1,034,898                    100,000      9,773
           24                 1,147,442       1,031,717                    100,000      9,773
           25                 1,144,978       1,028,516                    100,000      9,773
           26                 1,142,498       1,025,295                    100,000      9,773
           27                 1,140,003       1,022,053                    100,000      9,773
           28                 1,137,491       1,018,790                    100,000      9,773
           29                 1,134,964       1,015,507                    100,000      9,773
           30                 1,132,421       1,012,202                    100,000      9,773
           31                 1,129,861       1,008,877                    100,000      9,773
           32                 1,127,285       1,005,531                    100,000      9,773
           33                 1,124,693       1,002,163                    100,000      9,773
           34                 1,122,084         998,773                    100,000      9,773
           35                 1,119,459         995,363                    100,000      9,773
           36                 1,116,817         991,930                    100,000      9,773
           37                 1,114,158         988,475                    100,000      9,773
           38                 1,111,482         984,999                    100,000      9,773
39   1,108,789   981,500   100,000   9,773
40   1,106,079   977,979   100,000   9,773
41   1,103,352   974,436   100,000   9,773
42   1,100,607   970,870   100,000   9,773
43   1,097,845   967,282   100,000   9,773
44   1,095,065   963,670   100,000   9,773
45   1,092,267   960,036   100,000   9,773
46   1,089,452   956,378   100,000   9,773
47   1,086,619   952,697   100,000   9,773
48   1,083,767   948,993   100,000   9,773
49   1,080,898   945,265   100,000   9,773
50   1,078,010   941,513   100,000   9,773
51   1,075,104   937,737   100,000   9,773
52   1,072,179   933,938   100,000   9,773
53   1,069,236   930,114   100,000   9,773
54   1,066,274   926,266   100,000   9,773
55   1,063,293   922,393   100,000   9,773
56   1,060,293   918,495   100,000   9,773
57   1,057,274   914,573   100,000   9,773
58   1,054,236   910,626   100,000   9,773
59   1,051,178   906,654   100,000   9,773
60   1,048,101   902,656   100,000   9,773
61   1,045,004   898,633   100,000   9,773
62   1,041,888   894,584   100,000   9,773
63   1,038,752   890,509   100,000   9,773
64   1,035,596   886,409   100,000   9,773
65   1,032,419   882,282   100,000   9,773
66   1,029,223   878,129   100,000   9,773
67   1,026,006   873,950   100,000   9,773
68   1,022,768   869,744   100,000   9,773
69   1,019,510   865,511   100,000   9,773
70   1,016,232   861,251   100,000   9,773
71   1,012,932   856,965   100,000   9,773
72   1,009,611   852,650   100,000   9,773
73   1,006,269   848,309   100,000   9,773
74   1,002,906   843,939   100,000   9,773
75     999,522   839,542   100,000   9,773
76     996,116   835,117   100,000   9,773
77     992,688   830,664   100,000   9,773
78     989,238   826,182   100,000   9,773
79     985,766   821,672   100,000   9,773
80     982,273   817,133   100,000   9,773
81     978,757   812,565   100,000   9,773
82     975,218   807,968   100,000   9,773
83     971,657   803,342   100,000   9,773
84     968,074   798,686   100,000   9,773
85     964,467   794,000   100,000   9,773
86     960,838   789,285   100,000   9,773
87     957,185   784,540   100,000   9,773
88     953,510   779,764   100,000   9,773
89     949,810   774,958   100,000   9,773
90     946,088   770,122   100,000   9,773
 91   942,341   765,254   100,000   9,773
 92   938,571   760,356   100,000   9,773
 93   934,776   755,426   100,000   9,773
 94   930,958   750,466   100,000   9,773
 95   927,115   745,473   100,000   9,773
 96   923,248   740,449   100,000   9,773
 97   919,356   735,392   100,000   9,773
 98   915,439   730,304   100,000   9,773
 99   911,497   725,183   100,000   9,773
100   907,530   720,029   100,000   9,773
101   903,538   714,843   100,000   9,773
102   899,521   709,623   100,000   9,773
103   895,478   704,370   100,000   9,773
104   891,409   699,084   100,000   9,773
105   887,314   693,764   100,000   9,773
106   883,193   688,411   100,000   9,773
107   879,046   683,023   100,000   9,773
108   874,873   677,601   100,000   9,773
109   870,672   672,144   100,000   9,773
110   866,446   666,652   100,000   9,773
111   862,192   661,126   100,000   9,773
112   857,911   655,564   100,000   9,773
113   853,603   649,967   100,000   9,773
114   849,267   644,334   100,000   9,773
115   844,904   638,666   100,000   9,773
116   840,513   632,961   100,000   9,773
117   836,094   627,220   100,000   9,773
118   831,647   621,442   100,000   9,773
119   827,171   615,628   100,000   9,773
120   822,667   609,777   100,000   9,773
121   818,135   603,888   100,000   9,773
122   813,573   597,962   100,000   9,773
123   808,983   591,998   100,000   9,773
124   804,363   585,996   100,000   9,773
125   799,714   579,955   100,000   9,773
126   795,035   573,877   100,000   9,773
127   790,326   567,759   100,000   9,773
128   785,587   561,603   100,000   9,773
129   780,819   555,407   100,000   9,773
130   776,019   549,172   100,000   9,773
131   771,190   542,897   100,000   9,773
132   766,329   536,583   100,000   9,773
133   761,437   530,228   100,000   9,773
134   756,515   523,832   100,000   9,773
135   751,561   517,396   100,000   9,773
136   746,575   510,919   100,000   9,773
137   741,558   504,400   100,000   9,773
138   736,508   497,840   100,000   9,773
139   731,427   491,239   100,000   9,773
140   726,313   484,595   100,000   9,773
141   721,167   477,909   100,000   9,773
142   715,988   471,180   100,000   9,773
143   710,775   464,408   100,000   9,773
144   705,530   457,594   100,000   9,773
145   700,251   450,736   100,000   9,773
146   694,939   443,834   100,000   9,773
147   689,592   436,888   100,000   9,773
148   684,212   429,898   100,000   9,773
149   678,798   422,863   100,000   9,773
150   673,348   415,784   100,000   9,773
151   667,865   408,660   100,000   9,773
152   662,346   401,490   100,000   9,773
153   656,792   394,274   100,000   9,773
154   651,203   387,013   100,000   9,773
155   645,578   379,705   100,000   9,773
156   639,917   372,351   100,000   9,773
157   634,220   364,950   100,000   9,773
158   628,487   357,501   100,000   9,773
159   622,718   350,006   100,000   9,773
160   616,912   342,462   100,000   9,773
161   611,068   334,871   100,000   9,773
162   605,188   327,231   100,000   9,773
163   599,270   319,542   100,000   9,773
164   593,314   311,805   100,000   9,773
165   587,321   304,018   100,000   9,773
166   581,289   296,182   100,000   9,773
167   575,219   288,296   100,000   9,773
168   569,110   280,359   100,000   9,773
169   562,962   272,372   100,000   9,773
170   556,775   264,334   100,000   9,773
171   550,549   256,245   100,000   9,773
172   544,283   248,104   100,000   9,773
173   537,977   239,912   100,000   9,773
174   531,631   231,667   100,000   9,773
175   525,244   223,370   100,000   9,773
176   518,817   215,020   100,000   9,773
177   512,349   206,616   100,000   9,773
178   505,839   198,159   100,000   9,773
179   499,289   189,649   100,000   9,773
180   492,696   181,084   100,000   9,773
181   486,062   172,464   100,000   9,773
182   479,385   163,790   100,000   9,773
183   472,665   155,060   100,000   9,773
184   465,903   146,275   100,000   9,773
185   459,098   137,434   100,000   9,773
186   452,250   128,537   100,000   9,773
187   445,357   119,582   100,000   9,773
188   438,421   110,571   100,000   9,773
189   431,441   101,503   100,000   9,773
190   424,416    92,376   100,000   9,773
191   417,347    83,192   100,000   9,773
192   410,232    73,949   100,000   9,773
193   403,073    64,647   100,000   9,773
194   395,867    55,286   100,000   9,773
195   388,616   45,865   100,000   9,773
196   381,318   36,384   100,000   9,773
197   373,974   26,843   100,000   9,773
198   366,584   17,241   100,000   9,773
199   359,146    7,578   100,000   7,626
200   351,661      -     100,000     -
201       -        -         -       -
202       -        -         -       -
203       -        -         -       -
204       -        -         -       -
205       -        -         -       -
206       -        -         -       -
207       -        -         -       -
208       -        -         -       -
209       -        -         -       -
210       -        -         -       -
211       -        -         -       -
212       -        -         -       -
213       -        -         -       -
214       -        -         -       -
215       -        -         -       -
216       -        -         -       -
217       -        -         -       -
218       -        -         -       -
219       -        -         -       -
220       -        -         -       -
221       -        -         -       -
222       -        -         -       -
223       -        -         -       -
224       -        -         -       -
225       -        -         -       -
226       -        -         -       -
227       -        -         -       -
228       -        -         -       -
229       -        -         -       -
230       -        -         -       -
231       -        -         -       -
232       -        -         -       -
233       -        -         -       -
234       -        -         -       -
235       -        -         -       -
236       -        -         -       -
237       -        -         -       -
238       -        -         -       -
239       -        -         -       -
240       -        -         -       -
241       -        -         -       -
242       -        -         -       -
243       -        -         -       -
244       -        -         -       -
245       -        -         -       -
246       -        -         -       -
247   -   -   -   -
248   -   -   -   -
249   -   -   -   -
250   -   -   -   -
251   -   -   -   -
252   -   -   -   -
253   -   -   -   -
254   -   -   -   -
255   -   -   -   -
256   -   -   -   -
257   -   -   -   -
258   -   -   -   -
259   -   -   -   -
260   -   -   -   -
261   -   -   -   -
262   -   -   -   -
263   -   -   -   -
264   -   -   -   -
265   -   -   -   -
266   -   -   -   -
267   -   -   -   -
268   -   -   -   -
269   -   -   -   -
270   -   -   -   -
271   -   -   -   -
272   -   -   -   -
273   -   -   -   -
274   -   -   -   -
275   -   -   -   -
276   -   -   -   -
277   -   -   -   -
278   -   -   -   -
279   -   -   -   -
280   -   -   -   -
281   -   -   -   -
282   -   -   -   -
283   -   -   -   -
284   -   -   -   -
285   -   -   -   -
286   -   -   -   -
287   -   -   -   -
288   -   -   -   -
289   -   -   -   -
290   -   -   -   -
291   -   -   -   -
292   -   -   -   -
293   -   -   -   -
294   -   -   -   -
295   -   -   -   -
296   -   -   -   -
297   -   -   -   -
298   -   -   -   -
299   -   -   -   -
300   -   -   -   -
301   -   -   -   -
302   -   -   -   -
303   -   -   -   -
304   -   -   -   -
305   -   -   -   -
306   -   -   -   -
307   -   -   -   -
308   -   -   -   -
309   -   -   -   -
310   -   -   -   -
311   -   -   -   -
312   -   -   -   -
313   -   -   -   -
314   -   -   -   -
315   -   -   -   -
316   -   -   -   -
317   -   -   -   -
318   -   -   -   -
319   -   -   -   -
320   -   -   -   -
321   -   -   -   -
322   -   -   -   -
323   -   -   -   -
324   -   -   -   -
325   -   -   -   -
326   -   -   -   -
327   -   -   -   -
328   -   -   -   -
329   -   -   -   -
330   -   -   -   -
331   -   -   -   -
332   -   -   -   -
333   -   -   -   -
334   -   -   -   -
335   -   -   -   -
336   -   -   -   -
337   -   -   -   -
338   -   -   -   -
339   -   -   -   -
340   -   -   -   -
341   -   -   -   -
342   -   -   -   -
343   -   -   -   -
344   -   -   -   -
345   -   -   -   -
346   -   -   -   -
347   -   -   -   -
348   -   -   -   -
349   -   -   -   -
350   -   -   -   -
351   -   -                      -          -
352   -   -                      -          -
353   -   -                      -          -
354   -   -                      -          -
355   -   -                      -          -
356   -   -                      -          -
357   -   -                      -          -
358   -   -                      -          -
359   -   -                      -          -
360   -   -                      -          -
361   -   -                      -          -

                            100,000   1,942,667

              Total principal paid    1,200,000
                Back to cover Sheet




Interest    Principal   Surplus Paid   Total Available   Effective
                                          balance        Balance


                                                            1,200,000
    7,007       2,129            637           100,637      1,097,234
    6,989       2,143            641           101,278      1,094,450
    6,971       2,156            645           101,923      1,091,649
    6,954       2,170            649           102,572      1,088,830
    6,936       2,184            653           103,226      1,085,992
    6,918       2,198            658           103,883      1,083,137
    6,899       2,212            662           104,545      1,080,263
    6,881       2,226            666           105,211      1,077,372
    6,863       2,240            670           105,881      1,074,461
    6,844       2,254            674           106,556      1,071,533
    6,826       2,269            679           107,234      1,068,585
    6,807       2,283            683           107,917      1,065,619
    6,788       2,298            687           108,605      1,062,634
    6,769       2,312            692           109,297      1,059,630
    6,750       2,327            696           109,993      1,056,607
    6,730       2,342            701           110,693      1,053,564
    6,711       2,357            705           111,399      1,050,502
    6,692       2,372            710           112,108      1,047,421
    6,672       2,387            714           112,822      1,044,320
    6,652       2,402            719           113,541      1,041,199
    6,632       2,417            723           114,264      1,038,058
    6,612       2,433            728           114,992      1,034,898
    6,592       2,448            732           115,725      1,031,717
    6,572       2,464            737           116,462      1,028,516
    6,552       2,480            742           117,203      1,025,295
    6,531       2,495            747           117,950      1,022,053
    6,510       2,511            751           118,701      1,018,790
    6,490       2,527            756           119,458      1,015,507
    6,469       2,543            761           120,218      1,012,202
    6,448       2,560            766           120,984      1,008,877
    6,426       2,576            771           121,755      1,005,531
    6,405       2,592            776           122,530      1,002,163
    6,384       2,609            781           123,311        998,773
    6,362       2,625            785           124,096        995,363
    6,340       2,642            790           124,887        991,930
    6,318       2,659            796           125,682        988,475
    6,296       2,676            801           126,483        984,999
    6,274       2,693            806           127,289        981,500
6,252   2,710     811   128,099   977,979
6,230   2,727     816   128,915   974,436
6,207   2,745     821   129,737   970,870
6,184   2,762     826   130,563   967,282
6,161   2,780     832   131,395   963,670
6,138   2,798     837   132,232   960,036
6,115   2,815     842   133,074   956,378
6,092   2,833     848   133,922   952,697
6,069   2,851     853   134,775   948,993
6,045   2,869     858   135,633   945,265
6,021   2,888     864   136,497   941,513
5,997   2,906     869   137,367   937,737
5,973   2,925     875   138,242   933,938
5,949   2,943     881   139,122   930,114
5,925   2,962     886   140,008   926,266
5,900   2,981     892   140,900   922,393
5,876   3,000     898   141,798   918,495
5,851   3,019     903   142,701   914,573
5,826   3,038     909   143,610   910,626
5,801   3,058     915   144,525   906,654
5,775   3,077     921   145,445   902,656
5,750   3,097     926   146,372   898,633
5,724   3,116     932   147,304   894,584
5,698   3,136     938   148,242   890,509
5,672   3,156     944   149,187   886,409
5,646   3,176     950   150,137   882,282
5,620   3,197     956   151,093   878,129
5,594   3,217     962   152,056   873,950
5,567   3,237     969   153,024   869,744
5,540   3,258     975   153,999   865,511
5,513   3,279     981   154,980   861,251
5,486   3,300     987   155,967   856,965
5,459   3,321     993   156,961   852,650
5,431   3,342   1,000   157,961   848,309
5,404   3,363   1,006   158,967   843,939
5,376   3,385   1,013   159,979   839,542
5,348   3,406   1,019   160,998   835,117
5,320   3,428   1,026   162,024   830,664
5,291   3,450   1,032   163,056   826,182
5,263   3,472   1,039   164,095   821,672
5,234   3,494   1,045   165,140   817,133
5,205   3,516   1,052   166,192   812,565
5,176   3,538   1,059   167,251   807,968
5,147   3,561   1,065   168,316   803,342
5,117   3,584   1,072   169,388   798,686
5,088   3,606   1,079   170,467   794,000
5,058   3,629   1,086   171,553   789,285
5,028   3,653   1,093   172,646   784,540
4,997   3,676   1,100   173,745   779,764
4,967   3,699   1,107   174,852   774,958
4,936   3,723   1,114   175,966   770,122
4,906   3,746   1,121   177,087   765,254
4,875   3,770   1,128   178,215   760,356
4,843   3,794   1,135   179,350   755,426
4,812   3,819   1,142   180,492   750,466
4,780   3,843   1,150   181,642   745,473
4,749   3,867   1,157   182,799   740,449
4,717   3,892   1,164   183,964   735,392
4,684   3,917   1,172   185,135   730,304
4,652   3,942   1,179   186,315   725,183
4,619   3,967   1,187   187,501   720,029
4,586   3,992   1,194   188,696   714,843
4,553   4,018   1,202   189,898   709,623
4,520   4,043   1,210   191,107   704,370
4,487   4,069   1,217   192,325   699,084
4,453   4,095   1,225   193,550   693,764
4,419   4,121   1,233   194,783   688,411
4,385   4,147   1,241   196,023   683,023
4,351   4,174   1,249   197,272   677,601
4,316   4,200   1,257   198,529   672,144
4,281   4,227   1,265   199,793   666,652
4,246   4,254   1,273   201,066   661,126
4,211   4,281   1,281   202,347   655,564
4,176   4,308   1,289   203,636   649,967
4,140   4,336   1,297   204,933   644,334
4,104   4,363   1,305   206,238   638,666
4,068   4,391   1,314   207,552   632,961
4,032   4,419   1,322   208,874   627,220
3,995   4,447   1,330   210,204   621,442
3,959   4,475   1,339   211,543   615,628
3,921   4,504   1,348   212,891   609,777
3,884   4,533   1,356   214,247   603,888
3,847   4,562   1,365   215,612   597,962
3,809   4,591   1,373   216,985   591,998
3,771   4,620   1,382   218,367   585,996
3,733   4,649   1,391   219,758   579,955
3,694   4,679   1,400   221,158   573,877
3,656   4,709   1,409   222,567   567,759
3,617   4,739   1,418   223,985   561,603
3,577   4,769   1,427   225,411   555,407
3,538   4,799   1,436   226,847   549,172
3,498   4,830   1,445   228,292   542,897
3,458   4,861   1,454   229,746   536,583
3,418   4,892   1,463   231,210   530,228
3,377   4,923   1,473   232,683   523,832
3,337   4,954   1,482   234,165   517,396
3,296   4,986   1,492   235,656   510,919
3,254   5,017   1,501   237,157   504,400
3,213   5,049   1,511   238,668   497,840
3,171   5,081   1,520   240,188   491,239
3,129   5,114   1,530   241,718   484,595
3,087   5,146   1,540   243,258   477,909
3,044   5,179   1,550   244,808   471,180
3,001   5,212   1,559   246,367   464,408
2,958   5,245   1,569   247,936   457,594
2,915   5,279   1,579   249,516   450,736
2,871   5,312   1,589   251,105   443,834
2,827   5,346   1,600   252,704   436,888
2,783   5,380   1,610   254,314   429,898
2,738   5,415   1,620   255,934   422,863
2,694   5,449   1,630   257,564   415,784
2,648   5,484   1,641   259,205   408,660
2,603   5,519   1,651   260,856   401,490
2,557   5,554   1,662   262,518   394,274
2,511   5,589   1,672   264,190   387,013
2,465   5,625   1,683   265,873   379,705
2,419   5,661   1,694   267,566   372,351
2,372   5,697   1,704   269,271   364,950
2,325   5,733   1,715   270,986   357,501
2,277   5,770   1,726   272,712   350,006
2,229   5,806   1,737   274,449   342,462
2,181   5,843   1,748   276,197   334,871
2,133   5,881   1,759   277,957   327,231
2,084   5,918   1,771   279,727   319,542
2,035   5,956   1,782   281,509   311,805
1,986   5,994   1,793   283,302   304,018
1,937   6,032   1,805   285,107   296,182
1,887   6,070   1,816   286,923   288,296
1,836   6,109   1,828   288,751   280,359
1,786   6,148   1,839   290,590   272,372
1,735   6,187   1,851   292,441   264,334
1,684   6,226   1,863   294,304   256,245
1,632   6,266   1,875   296,178   248,104
1,580   6,306   1,887   298,065   239,912
1,528   6,346   1,899   299,964   231,667
1,476   6,387   1,911   301,874   223,370
1,423   6,427   1,923   303,797   215,020
1,370   6,468   1,935   305,733   206,616
1,316   6,509   1,947   307,680   198,159
1,262   6,551   1,960   309,640   189,649
1,208   6,593   1,972   311,612   181,084
1,153   6,635   1,985   313,597   172,464
1,099   6,677   1,998   315,595   163,790
1,043   6,719   2,010   317,605   155,060
  988   6,762   2,023   319,628   146,275
  932   6,805   2,036   321,664   137,434
  875   6,849   2,049   323,713   128,537
  819   6,892   2,062   325,775   119,582
  762   6,936   2,075   327,850   110,571
  704   6,980   2,088   329,939   101,503
  647   7,025   2,102   332,040    92,376
  588   7,069   2,115   334,155    83,192
  530   7,114   2,129   336,284    73,949
  471   7,160   2,142   338,426    64,647
  412   7,205   2,156   340,582    55,286
  352   7,251   2,169   342,751    45,865
292    7,298   2,183    344,934   36,384
232    7,344   2,197    347,132   26,843
171    7,391   2,211    349,343   17,241
110    7,438   2,225    351,568    7,578
  48   7,485       93   351,661      -
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842,667   848,339   251,661   40,096,697   131,189,614
                            Loan Details
                    Loan Amount                           1,200,000
                   Rate of Interest                           7.50%
                 Tenure (in months)                             240
                No of Days in a month                           31
                        EMI                                   9,773

Month   Opening Balance       EMI          Principal     Interest     Reduced Limits
 0         (1,200,000)
 1             1,200,000         9,773           2,129        7,644         1,197,871
 2             1,197,871         9,773           2,143        7,630         1,195,728
 3             1,195,728         9,773           2,156        7,617         1,193,572
 4             1,193,572         9,773           2,170        7,603         1,191,402
 5             1,191,402         9,773           2,184        7,589         1,189,218
 6             1,189,218         9,773           2,198        7,575         1,187,020
 7             1,187,020         9,773           2,212        7,561         1,184,808
 8             1,184,808         9,773           2,226        7,547         1,182,583
 9             1,182,583         9,773           2,240        7,533         1,180,343
 10            1,180,343         9,773           2,254        7,519         1,178,088
 11            1,178,088         9,773           2,269        7,504         1,175,820
 12            1,175,820         9,773           2,283        7,490         1,173,536
 13            1,173,536         9,773           2,298        7,475         1,171,239
 14            1,171,239         9,773           2,312        7,461         1,168,926
 15            1,168,926         9,773           2,327        7,446         1,166,599
 16            1,166,599         9,773           2,342        7,431         1,164,258
 17            1,164,258         9,773           2,357        7,416         1,161,901
 18            1,161,901         9,773           2,372        7,401         1,159,529
 19            1,159,529         9,773           2,387        7,386         1,157,142
 20            1,157,142         9,773           2,402        7,371         1,154,740
 21            1,154,740         9,773           2,417        7,356         1,152,323
 22            1,152,323         9,773           2,433        7,340         1,149,890
 23            1,149,890         9,773           2,448        7,325         1,147,442
 24            1,147,442         9,773           2,464        7,309         1,144,978
 25            1,144,978         9,773           2,480        7,293         1,142,498
 26            1,142,498         9,773           2,495        7,278         1,140,003
 27            1,140,003         9,773           2,511        7,262         1,137,491
 28            1,137,491         9,773           2,527        7,246         1,134,964
 29            1,134,964         9,773           2,543        7,230         1,132,421
 30            1,132,421         9,773           2,560        7,213         1,129,861
 31            1,129,861         9,773           2,576        7,197         1,127,285
 32            1,127,285         9,773           2,592        7,181         1,124,693
 33            1,124,693         9,773           2,609        7,164         1,122,084
 34            1,122,084         9,773           2,625        7,148         1,119,459
 35            1,119,459         9,773           2,642        7,131         1,116,817
 36            1,116,817         9,773           2,659        7,114         1,114,158
 37            1,114,158         9,773           2,676        7,097         1,111,482
 38            1,111,482         9,773           2,693        7,080         1,108,789
 39            1,108,789         9,773           2,710        7,063         1,106,079
 40            1,106,079         9,773           2,727        7,046         1,103,352
 41            1,103,352         9,773           2,745        7,028         1,100,607
 42            1,100,607         9,773           2,762        7,011         1,097,845
 43            1,097,845         9,773           2,780        6,993         1,095,065
44   1,095,065   9,773   2,798   6,975   1,092,267
45   1,092,267   9,773   2,815   6,958   1,089,452
46   1,089,452   9,773   2,833   6,940   1,086,619
47   1,086,619   9,773   2,851   6,922   1,083,767
48   1,083,767   9,773   2,869   6,903   1,080,898
49   1,080,898   9,773   2,888   6,885   1,078,010
50   1,078,010   9,773   2,906   6,867   1,075,104
51   1,075,104   9,773   2,925   6,848   1,072,179
52   1,072,179   9,773   2,943   6,830   1,069,236
53   1,069,236   9,773   2,962   6,811   1,066,274
54   1,066,274   9,773   2,981   6,792   1,063,293
55   1,063,293   9,773   3,000   6,773   1,060,293
56   1,060,293   9,773   3,019   6,754   1,057,274
57   1,057,274   9,773   3,038   6,735   1,054,236
58   1,054,236   9,773   3,058   6,715   1,051,178
59   1,051,178   9,773   3,077   6,696   1,048,101
60   1,048,101   9,773   3,097   6,676   1,045,004
61   1,045,004   9,773   3,116   6,657   1,041,888
62   1,041,888   9,773   3,136   6,637   1,038,752
63   1,038,752   9,773   3,156   6,617   1,035,596
64   1,035,596   9,773   3,176   6,597   1,032,419
65   1,032,419   9,773   3,197   6,576   1,029,223
66   1,029,223   9,773   3,217   6,556   1,026,006
67   1,026,006   9,773   3,237   6,536   1,022,768
68   1,022,768   9,773   3,258   6,515   1,019,510
69   1,019,510   9,773   3,279   6,494   1,016,232
70   1,016,232   9,773   3,300   6,473   1,012,932
71   1,012,932   9,773   3,321   6,452   1,009,611
72   1,009,611   9,773   3,342   6,431   1,006,269
73   1,006,269   9,773   3,363   6,410   1,002,906
74   1,002,906   9,773   3,385   6,388     999,522
75     999,522   9,773   3,406   6,367     996,116
76     996,116   9,773   3,428   6,345     992,688
77     992,688   9,773   3,450   6,323     989,238
78     989,238   9,773   3,472   6,301     985,766
79     985,766   9,773   3,494   6,279     982,273
80     982,273   9,773   3,516   6,257     978,757
81     978,757   9,773   3,538   6,235     975,218
82     975,218   9,773   3,561   6,212     971,657
83     971,657   9,773   3,584   6,189     968,074
84     968,074   9,773   3,606   6,166     964,467
85     964,467   9,773   3,629   6,144     960,838
86     960,838   9,773   3,653   6,120     957,185
87     957,185   9,773   3,676   6,097     953,510
88     953,510   9,773   3,699   6,074     949,810
89     949,810   9,773   3,723   6,050     946,088
90     946,088   9,773   3,746   6,026     942,341
91     942,341   9,773   3,770   6,003     938,571
92     938,571   9,773   3,794   5,979     934,776
93     934,776   9,773   3,819   5,954     930,958
94     930,958   9,773   3,843   5,930     927,115
95     927,115   9,773   3,867   5,906     923,248
 96   923,248   9,773   3,892   5,881   919,356
 97   919,356   9,773   3,917   5,856   915,439
 98   915,439   9,773   3,942   5,831   911,497
 99   911,497   9,773   3,967   5,806   907,530
100   907,530   9,773   3,992   5,781   903,538
101   903,538   9,773   4,018   5,755   899,521
102   899,521   9,773   4,043   5,730   895,478
103   895,478   9,773   4,069   5,704   891,409
104   891,409   9,773   4,095   5,678   887,314
105   887,314   9,773   4,121   5,652   883,193
106   883,193   9,773   4,147   5,626   879,046
107   879,046   9,773   4,174   5,599   874,873
108   874,873   9,773   4,200   5,573   870,672
109   870,672   9,773   4,227   5,546   866,446
110   866,446   9,773   4,254   5,519   862,192
111   862,192   9,773   4,281   5,492   857,911
112   857,911   9,773   4,308   5,465   853,603
113   853,603   9,773   4,336   5,437   849,267
114   849,267   9,773   4,363   5,410   844,904
115   844,904   9,773   4,391   5,382   840,513
116   840,513   9,773   4,419   5,354   836,094
117   836,094   9,773   4,447   5,326   831,647
118   831,647   9,773   4,475   5,297   827,171
119   827,171   9,773   4,504   5,269   822,667
120   822,667   9,773   4,533   5,240   818,135
121   818,135   9,773   4,562   5,211   813,573
122   813,573   9,773   4,591   5,182   808,983
123   808,983   9,773   4,620   5,153   804,363
124   804,363   9,773   4,649   5,124   799,714
125   799,714   9,773   4,679   5,094   795,035
126   795,035   9,773   4,709   5,064   790,326
127   790,326   9,773   4,739   5,034   785,587
128   785,587   9,773   4,769   5,004   780,819
129   780,819   9,773   4,799   4,974   776,019
130   776,019   9,773   4,830   4,943   771,190
131   771,190   9,773   4,861   4,912   766,329
132   766,329   9,773   4,892   4,881   761,437
133   761,437   9,773   4,923   4,850   756,515
134   756,515   9,773   4,954   4,819   751,561
135   751,561   9,773   4,986   4,787   746,575
136   746,575   9,773   5,017   4,756   741,558
137   741,558   9,773   5,049   4,724   736,508
138   736,508   9,773   5,081   4,691   731,427
139   731,427   9,773   5,114   4,659   726,313
140   726,313   9,773   5,146   4,627   721,167
141   721,167   9,773   5,179   4,594   715,988
142   715,988   9,773   5,212   4,561   710,775
143   710,775   9,773   5,245   4,528   705,530
144   705,530   9,773   5,279   4,494   700,251
145   700,251   9,773   5,312   4,461   694,939
146   694,939   9,773   5,346   4,427   689,592
147   689,592   9,773   5,380   4,393   684,212
148   684,212   9,773   5,415   4,358   678,798
149   678,798   9,773   5,449   4,324   673,348
150   673,348   9,773   5,484   4,289   667,865
151   667,865   9,773   5,519   4,254   662,346
152   662,346   9,773   5,554   4,219   656,792
153   656,792   9,773   5,589   4,184   651,203
154   651,203   9,773   5,625   4,148   645,578
155   645,578   9,773   5,661   4,112   639,917
156   639,917   9,773   5,697   4,076   634,220
157   634,220   9,773   5,733   4,040   628,487
158   628,487   9,773   5,770   4,003   622,718
159   622,718   9,773   5,806   3,967   616,912
160   616,912   9,773   5,843   3,930   611,068
161   611,068   9,773   5,881   3,892   605,188
162   605,188   9,773   5,918   3,855   599,270
163   599,270   9,773   5,956   3,817   593,314
164   593,314   9,773   5,994   3,779   587,321
165   587,321   9,773   6,032   3,741   581,289
166   581,289   9,773   6,070   3,703   575,219
167   575,219   9,773   6,109   3,664   569,110
168   569,110   9,773   6,148   3,625   562,962
169   562,962   9,773   6,187   3,586   556,775
170   556,775   9,773   6,226   3,547   550,549
171   550,549   9,773   6,266   3,507   544,283
172   544,283   9,773   6,306   3,467   537,977
173   537,977   9,773   6,346   3,427   531,631
174   531,631   9,773   6,387   3,386   525,244
175   525,244   9,773   6,427   3,346   518,817
176   518,817   9,773   6,468   3,305   512,349
177   512,349   9,773   6,509   3,264   505,839
178   505,839   9,773   6,551   3,222   499,289
179   499,289   9,773   6,593   3,180   492,696
180   492,696   9,773   6,635   3,138   486,062
181   486,062   9,773   6,677   3,096   479,385
182   479,385   9,773   6,719   3,054   472,665
183   472,665   9,773   6,762   3,011   465,903
184   465,903   9,773   6,805   2,968   459,098
185   459,098   9,773   6,849   2,924   452,250
186   452,250   9,773   6,892   2,881   445,357
187   445,357   9,773   6,936   2,837   438,421
188   438,421   9,773   6,980   2,793   431,441
189   431,441   9,773   7,025   2,748   424,416
190   424,416   9,773   7,069   2,703   417,347
191   417,347   9,773   7,114   2,658   410,232
192   410,232   9,773   7,160   2,613   403,073
193   403,073   9,773   7,205   2,568   395,867
194   395,867   9,773   7,251   2,522   388,616
195   388,616   9,773   7,298   2,475   381,318
196   381,318   9,773   7,344   2,429   373,974
197   373,974   9,773   7,391   2,382   366,584
198   366,584   9,773   7,438   2,335   359,146
199   359,146   9,773   7,485   2,288   351,661
200   351,661   9,773   7,533   2,240    344,128
201   344,128   9,773   7,581   2,192    336,547
202   336,547   9,773   7,629   2,144    328,918
203   328,918   9,773   7,678   2,095    321,240
204   321,240   9,773   7,727   2,046    313,513
205   313,513   9,773   7,776   1,997    305,737
206   305,737   9,773   7,825   1,948    297,912
207   297,912   9,773   7,875   1,898    290,037
208   290,037   9,773   7,925   1,847    282,111
209   282,111   9,773   7,976   1,797    274,135
210   274,135   9,773   8,027   1,746    266,108
211   266,108   9,773   8,078   1,695    258,031
212   258,031   9,773   8,129   1,644    249,901
213   249,901   9,773   8,181   1,592    241,720
214   241,720   9,773   8,233   1,540    233,487
215   233,487   9,773   8,286   1,487    225,201
216   225,201   9,773   8,338   1,435    216,863
217   216,863   9,773   8,392   1,381    208,471
218   208,471   9,773   8,445   1,328    200,026
219   200,026   9,773   8,499   1,274    191,528
220   191,528   9,773   8,553   1,220    182,975
221   182,975   9,773   8,607   1,166    174,367
222   174,367   9,773   8,662   1,111    165,705
223   165,705   9,773   8,717   1,056    156,988
224   156,988   9,773   8,773   1,000    148,215
225   148,215   9,773   8,829     944    139,386
226   139,386   9,773   8,885     888    130,501
227   130,501   9,773   8,942     831    121,559
228   121,559   9,773   8,999     774    112,560
229   112,560   9,773   9,056     717    103,505
230   103,505   9,773   9,114     659     94,391
231    94,391   9,773   9,172     601     85,219
232    85,219   9,773   9,230     543     75,989
233    75,989   9,773   9,289     484     66,700
234    66,700   9,773   9,348     425     57,352
235    57,352   9,773   9,408     365     47,945
236    47,945   9,773   9,468     305     38,477
237    38,477   9,773   9,528     245     28,949
238    28,949   9,773   9,589     184     19,361
239    19,361   9,773   9,650     123      9,711
240     9,711   9,773   9,711       62         0
241         0   9,773   9,773        0       -
242       -       -       -       -          -
243       -       -       -       -          -
244       -       -       -       -          -
245       -       -       -       -          -
246       -       -       -       -          -
247       -       -       -       -          -
248       -       -       -       -          -
249       -       -       -       -          -
250       -       -       -       -          -
251       -       -       -       -          -
252   -   -   -   -   -
253   -   -   -   -   -
254   -   -   -   -   -
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          2,345,504   1,200,000   1,145,504

				
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posted:4/12/2011
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Description: Income Tax Planner India document sample