ABCDEFGHIJKLMNOPQRSTUVWXYZAAABAC
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Loan Amount₹ 100.0
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Tenure36
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Rate18.0%
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MonthEMIOpeningPrincipleInterestClosing
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1₹ 3.6₹ 100.0₹ 2.1₹ 1.5₹ 97.9
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2₹ 3.6₹ 97.9₹ 2.1₹ 1.5₹ 95.7Y1Y2Y3Lifetime
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3₹ 3.6₹ 95.7₹ 2.2₹ 1.4₹ 93.6Disbursement₹ 100.0
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4₹ 3.6₹ 93.6₹ 2.2₹ 1.4₹ 91.3Year-end book₹ 72.4₹ 39.4₹ 0.0
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5₹ 3.6₹ 91.3₹ 2.2₹ 1.4₹ 89.1Average Book₹ 87.8₹ 57.8₹ 21.9₹ 55.8
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6₹ 3.6₹ 89.1₹ 2.3₹ 1.3₹ 86.8Average Equity₹ 17.6₹ 11.6₹ 4.4₹ 11.2
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7₹ 3.6₹ 86.8₹ 2.3₹ 1.3₹ 84.5Average Debt₹ 70.2₹ 46.2₹ 17.6₹ 44.7
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8₹ 3.6₹ 84.5₹ 2.3₹ 1.3₹ 82.2Interest Income18.0%18.0%18.0%18.0%
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9₹ 3.6₹ 82.2₹ 2.4₹ 1.2₹ 79.8Borrowing Cost11.0%11.0%11.0%11.0%
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10₹ 3.6₹ 79.8₹ 2.4₹ 1.2₹ 77.4Opex3.0%3.0%3.0%3.0%
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11₹ 3.6₹ 77.4₹ 2.5₹ 1.2₹ 74.9Terminal Loss1.3%1.3%1.3%4.0%
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12₹ 3.6₹ 74.9₹ 2.5₹ 1.1₹ 72.4CAR20.0%20.0%20.0%20.0%
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13₹ 3.6₹ 72.4₹ 2.5₹ 1.1₹ 69.9Debt-equity (times)4.04.04.04.0
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14₹ 3.6₹ 69.9₹ 2.6₹ 1.0₹ 67.3
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15₹ 3.6₹ 67.3₹ 2.6₹ 1.0₹ 64.7Y1Y2Y3LifetimeY1Y2Y3Lifetime
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16₹ 3.6₹ 64.7₹ 2.6₹ 1.0₹ 62.1Interest Income₹ 15.8₹ 10.4₹ 3.9₹ 30.118.0%18.0%18.0%18.0%
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17₹ 3.6₹ 62.1₹ 2.7₹ 0.9₹ 59.4Interest Expense₹ 7.7₹ 5.1₹ 1.9₹ 14.78.8%8.8%8.8%8.8%
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18₹ 3.6₹ 59.4₹ 2.7₹ 0.9₹ 56.7Net Interest Income₹ 8.1₹ 5.3₹ 2.0₹ 15.49.2%9.2%9.2%9.2%
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19₹ 3.6₹ 56.7₹ 2.8₹ 0.8₹ 53.9Operating expenses₹ 2.6₹ 1.7₹ 0.7₹ 5.03.0%3.0%3.0%3.0%
26
20₹ 3.6₹ 53.9₹ 2.8₹ 0.8₹ 51.1Pre-provisioning operating profit (PPOP)₹ 5.4₹ 3.6₹ 1.4₹ 10.46.2%6.2%6.2%6.2%
27
21₹ 3.6₹ 51.1₹ 2.8₹ 0.8₹ 48.2Credit Cost₹ 1.2₹ 0.8₹ 0.3₹ 2.21.3%1.3%1.3%1.3%
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22₹ 3.6₹ 48.2₹ 2.9₹ 0.7₹ 45.3Profit Before Tax₹ 4.3₹ 2.8₹ 1.1₹ 8.24.9%4.9%4.9%4.9%
29
23₹ 3.6₹ 45.3₹ 2.9₹ 0.7₹ 42.4Tax₹ 1.3₹ 0.8₹ 0.3₹ 2.41.5%1.5%1.5%1.5%
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24₹ 3.6₹ 42.4₹ 3.0₹ 0.6₹ 39.4Profit After Tax₹ 3.0₹ 2.0₹ 0.7₹ 5.73.4%3.4%3.4%3.4%
31
25₹ 3.6₹ 39.4₹ 3.0₹ 0.6₹ 36.4
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26₹ 3.6₹ 36.4₹ 3.1₹ 0.5₹ 33.3ROE17.0%17.0%17.0%17.0%
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27₹ 3.6₹ 33.3₹ 3.1₹ 0.5₹ 30.2
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28₹ 3.6₹ 30.2₹ 3.2₹ 0.5₹ 27.1
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29₹ 3.6₹ 27.1₹ 3.2₹ 0.4₹ 23.9
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30₹ 3.6₹ 23.9₹ 3.3₹ 0.4₹ 20.6
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31₹ 3.6₹ 20.6₹ 3.3₹ 0.3₹ 17.3
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32₹ 3.6₹ 17.3₹ 3.4₹ 0.3₹ 13.9
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33₹ 3.6₹ 13.9₹ 3.4₹ 0.2₹ 10.5
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34₹ 3.6₹ 10.5₹ 3.5₹ 0.2₹ 7.1
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35₹ 3.6₹ 7.1₹ 3.5₹ 0.1₹ 3.6
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36₹ 3.6₹ 3.6₹ 3.6₹ 0.1₹ -0.0
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