Pro Vision
Particulars Jan-21
$ Income Statement - Pro Vision
$ Assumption Drivers - Pro Vision
$ Common Size Statement - Pro Vision
$ Change Analysis Statement - Pro Vision 5%
$ Costing Analysis - Pro Vision
$ Key Indicators - Pro Vision
Feb-21 Mar-21 Apr-21 May-21 Jun-21
Jul-21 Aug-21 Sep-21 Oct-21 Nov-21
Amount in INR
Dec-21 Practical Exercise you need to do
1. Plot Months from January 2021 to December 2021
Pre-opening
Month -3 Month -2 Month -1
Inflow
` ₹ - ₹ - ₹ -
Initial Investment ( Equity) ₹ 600,000.00
Loan ₹ 3,460,471.00
Income form OPD
Laser
Opticals
Pharmacy
Surgery Fees
OCT Scan
Injections
Other Service
Total Inflow ₹ 4,060,471.00 ₹ - ₹ -
Outflow
Fuel ₹ 10,000.00 ₹ 10,000.00 ₹ 10,000.00
Clinic Rent
EMI on Equipment Loan(5 yrs @ 9%)
Employee Salaries ₹ 15,000.00
Electricity
Maintenance ₹ 3,000.00
Marketing ₹ 20,000.00 ₹ 20,000.00
OT Charges/ Rental
Purchase of Medicines
Optical Frames
Miscellaneous ₹ 5,000.00 ₹ 5,000.00 ₹ 5,000.00
Deposit for Clinic ₹ 100,000.00
Capital Equipment Purchase ₹ 3,642,600.00
Licenses & Registration ₹ 25,000.00
Total Outflow ₹ 3,782,600.00 ₹ 35,000.00 ₹ 53,000.00
Leaving EMI
Opening Cash Flow ₹ - ₹ 277,871.00 ₹ 242,871.00
Net Monthly Cash Flow ₹ 277,871.00 ₹ -35,000.00 ₹ -53,000.00
Closing Balance ₹ 277,871.00 ₹ 242,871.00 ₹ 189,871.00
Depreciation
Pre Incorporation
Month 1 Month 2 Month 3 Month 4 Month 5
₹ - ₹ - ₹ - ₹ - ₹ - ₹ -
₹ 600,000.00
₹ 3,460,471.00
₹ - ₹ 360,000.00 ₹ 367,200.00 ₹ 374,544.00 ₹ 382,034.88 ₹ 389,675.58
₹ - ₹ 180,000.00 ₹ 185,400.00 ₹ 190,962.00 ₹ 196,690.86 ₹ 202,591.59
₹ - ₹ 540,000.00 ₹ 556,200.00 ₹ 572,886.00 ₹ 590,072.58 ₹ 607,774.76
₹ - ₹ 100,000.00 ₹ 105,000.00 ₹ 110,250.00 ₹ 115,762.50 ₹ 121,550.63
₹ - ₹ 300,000.00 ₹ 303,000.00 ₹ 306,030.00 ₹ 309,090.30 ₹ 312,181.20
₹ - ₹ 405,000.00 ₹ 409,050.00 ₹ 413,140.50 ₹ 417,271.91 ₹ 421,444.62
₹ - ₹ 30,000.00 ₹ 30,000.00 ₹ 30,000.00 ₹ 30,000.00 ₹ 30,000.00
₹ 20,000.00 ₹ 2,000.00 ₹ 2,000.00 ₹ 2,000.00 ₹ 2,000.00
₹ 4,060,471.00 ₹ 1,935,000.00 ₹ 1,957,850.00 ₹ 1,999,812.50 ₹ 2,042,923.03 ₹ 2,087,218.37
₹ 30,000.00 ₹ 100,000.00 ₹ 102,000.00 ₹ 104,040.00 ₹ 106,120.80 ₹ 108,243.22
₹ - ₹ 140,000.00 ₹ 140,000.00 ₹ 140,000.00 ₹ 140,000.00 ₹ 140,000.00
₹ - ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 15,000.00 ₹ 150,000.00 ₹ 150,000.00 ₹ 150,000.00 ₹ 150,000.00 ₹ 150,000.00
₹ - ₹ 30,000.00 ₹ 30,300.00 ₹ 30,603.00 ₹ 30,909.03 ₹ 31,218.12
₹ 3,000.00 ₹ 30,000.00 ₹ 30,000.00 ₹ 30,000.00 ₹ 30,000.00 ₹ 30,000.00
₹ 40,000.00 ₹ 200,000.00 ₹ 200,000.00 ₹ 200,000.00 ₹ 200,000.00 ₹ 200,000.00
₹ - ₹ 120,000.00 ₹ 120,000.00 ₹ 120,000.00 ₹ 120,000.00 ₹ 120,000.00
₹ - ₹ 50,000.00 ₹ 50,000.00 ₹ 50,000.00 ₹ 50,000.00 ₹ 50,000.00
₹ - ₹ 200,000.00 ₹ 200,000.00 ₹ 200,000.00 ₹ 200,000.00 ₹ 200,000.00
₹ 15,000.00 ₹ 50,000.00 ₹ 50,000.00 ₹ 50,000.00 ₹ 50,000.00 ₹ 50,000.00
₹ -
₹ 100,000.00
₹ 3,642,600.00
₹ 25,000.00
₹ 3,870,600.00 ₹ 1,141,834.00 ₹ 1,144,134.00 ₹ 1,146,477.00 ₹ 1,148,863.83 ₹ 1,151,295.34
₹ 1,070,000.00 ₹ 1,072,300.00 ₹ 1,074,643.00 ₹ 1,077,029.83 ₹ 1,079,461.34
₹ - ₹ 189,871.00 ₹ 983,037.00 ₹ 1,796,753.00 ₹ 2,650,088.50 ₹ 3,544,147.70
₹ 189,871.00 ₹ 793,166.00 ₹ 813,716.00 ₹ 853,335.50 ₹ 894,059.19 ₹ 935,923.04
₹ 189,871.00 ₹ 983,037.00 ₹ 1,796,753.00 ₹ 2,650,088.50 ₹ 3,544,147.70 ₹ 4,480,070.73
₹ 45,532.50 ₹ 45,532.50 ₹ 45,532.50 ₹ 45,532.50 ₹ 45,532.50
Year 1
Month 6 Month 7 Month 8 Month 9 Month 10 Month 11
₹ - ₹ - ₹ - ₹ - ₹ - ₹ -
₹ 397,469.09 ₹ 405,418.47 ₹ 413,526.84 ₹ 421,797.38 ₹ 430,233.32 ₹ 438,837.99
₹ 208,669.33 ₹ 214,929.41 ₹ 221,377.30 ₹ 228,018.61 ₹ 234,859.17 ₹ 241,904.95
₹ 626,008.00 ₹ 644,788.24 ₹ 664,131.89 ₹ 684,055.84 ₹ 704,577.52 ₹ 725,714.84
₹ 127,628.16 ₹ 134,009.56 ₹ 140,710.04 ₹ 147,745.54 ₹ 155,132.82 ₹ 162,889.46
₹ 315,303.02 ₹ 318,456.05 ₹ 321,640.61 ₹ 324,857.01 ₹ 328,105.58 ₹ 331,386.64
₹ 425,659.07 ₹ 429,915.66 ₹ 434,214.82 ₹ 438,556.97 ₹ 442,942.54 ₹ 447,371.96
₹ 30,000.00 ₹ 30,000.00 ₹ 30,000.00 ₹ 30,000.00 ₹ 30,000.00 ₹ 30,000.00
₹ 2,000.00 ₹ 4,000.00 ₹ 4,000.00 ₹ 4,000.00 ₹ 4,000.00 ₹ 4,000.00
₹ 2,132,736.66 ₹ 2,181,517.39 ₹ 2,229,601.49 ₹ 2,279,031.36 ₹ 2,329,850.96 ₹ 2,382,105.85
₹ 110,408.08 ₹ 112,616.24 ₹ 114,868.57 ₹ 117,165.94 ₹ 119,509.26 ₹ 121,899.44
₹ 140,000.00 ₹ 140,000.00 ₹ 140,000.00 ₹ 140,000.00 ₹ 140,000.00 ₹ 140,000.00
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 150,000.00 ₹ 150,000.00 ₹ 150,000.00 ₹ 150,000.00 ₹ 150,000.00 ₹ 150,000.00
₹ 31,530.30 ₹ 31,845.60 ₹ 32,164.06 ₹ 32,485.70 ₹ 32,810.56 ₹ 33,138.66
₹ 30,000.00 ₹ 30,000.00 ₹ 30,000.00 ₹ 30,000.00 ₹ 30,000.00 ₹ 30,000.00
₹ 200,000.00 ₹ 200,000.00 ₹ 200,000.00 ₹ 200,000.00 ₹ 200,000.00 ₹ 200,000.00
₹ 120,000.00 ₹ 120,000.00 ₹ 120,000.00 ₹ 120,000.00 ₹ 120,000.00 ₹ 120,000.00
₹ 50,000.00 ₹ 50,000.00 ₹ 50,000.00 ₹ 50,000.00 ₹ 50,000.00 ₹ 50,000.00
₹ 200,000.00 ₹ 200,000.00 ₹ 200,000.00 ₹ 200,000.00 ₹ 200,000.00 ₹ 200,000.00
₹ 50,000.00 ₹ 50,000.00 ₹ 50,000.00 ₹ 50,000.00 ₹ 50,000.00 ₹ 50,000.00
₹ 1,153,772.38 ₹ 1,156,295.85 ₹ 1,158,866.63 ₹ 1,161,485.64 ₹ 1,164,153.82 ₹ 1,166,872.11
₹ 1,081,938.38 ₹ 1,084,461.85 ₹ 1,087,032.63 ₹ 1,089,651.64 ₹ 1,092,319.82 ₹ 1,095,038.11
₹ 4,480,070.73 ₹ 5,459,035.01 ₹ 6,484,256.56 ₹ 7,554,991.42 ₹ 8,672,537.14 ₹ 9,838,234.28
₹ 978,964.28 ₹ 1,025,221.55 ₹ 1,070,734.86 ₹ 1,117,545.72 ₹ 1,165,697.14 ₹ 1,215,233.74
₹ 5,459,035.01 ₹ 6,484,256.56 ₹ 7,554,991.42 ₹ 8,672,537.14 ₹ 9,838,234.28 ###
₹ 45,532.50 ₹ 45,532.50 ₹ 45,532.50 ₹ 45,532.50 ₹ 45,532.50 ₹ 45,532.50
Pre Incorporation Year 1 - part Year 2 Year 3
Month 12
₹ - ₹ - ₹ - ₹ - ₹ -
₹ 600,000.00
₹ 3,460,471.00
₹ 447,614.75 ₹ - ₹ 2,676,342.02 ₹ 5,371,377.01 ₹ 6,177,083.56
₹ 249,162.10 ₹ - ₹ 1,379,243.19 ₹ 2,989,945.16 ₹ 3,438,436.93
₹ 747,486.29 ₹ - ₹ 4,137,729.58 ₹ 8,969,835.48 ₹ 10,315,310.80
₹ 171,033.94 ₹ - ₹ 814,200.85 ₹ 2,052,407.23 ₹ 2,360,268.31
₹ 334,700.50 ₹ - ₹ 2,164,060.56 ₹ 4,016,406.05 ₹ 4,618,866.96
₹ 451,845.68 ₹ - ₹ 2,921,481.76 ₹ 5,422,148.16 ₹ 6,235,470.39
₹ 30,000.00 ₹ - ₹ 210,000.00 ₹ 360,000.00 ₹ 414,000.00
₹ 4,000.00 ₹ - ₹ 34,000.00
₹ 2,435,843.26 ₹ 4,060,471.00 ₹ 14,337,057.96 ₹ 29,182,119.10 ₹ 33,559,436.96
₹ -
₹ -
₹ 124,337.43 ₹ 30,000.00 ₹ 743,428.34 ₹ 1,492,049.17 ₹ 1,715,856.55
₹ 140,000.00 ₹ - ₹ 980,000.00 ₹ 1,680,000.00 ₹ 1,680,000.00
₹ 71,834.00 ₹ - ₹ 502,838.00 ₹ 862,008.00 ₹ 862,008.00
₹ 150,000.00 ₹ 15,000.00 ₹ 1,050,000.00 ₹ 1,800,000.00 ₹ 2,070,000.00
₹ 33,470.05 ₹ - ₹ 216,406.06 ₹ 401,640.60 ₹ 461,886.70
₹ 30,000.00 ₹ 3,000.00 ₹ 210,000.00 ₹ 360,000.00 ₹ 414,000.00
₹ 200,000.00 ₹ 40,000.00 ₹ 1,400,000.00 ₹ 2,400,000.00 ₹ 2,760,000.00
₹ 120,000.00 ₹ - ₹ 840,000.00 ₹ 1,440,000.00 ₹ 1,656,000.00
₹ 50,000.00 ₹ - ₹ 350,000.00 ₹ 600,000.00 ₹ 690,000.00
₹ 200,000.00 ₹ - ₹ 1,400,000.00 ₹ 2,400,000.00 ₹ 2,760,000.00
₹ 50,000.00 ₹ 15,000.00 ₹ 350,000.00 ₹ 600,000.00 ₹ 690,000.00
₹ -
₹ 100,000.00 ₹ -
₹ 3,642,600.00 ₹ -
₹ 25,000.00 ₹ -
₹ 1,169,641.48 ₹ 3,870,600.00 ₹ 8,042,672.39 ₹ 14,035,697.77 ₹ 15,759,751.24
₹ 1,097,807.48
### ₹ - ₹ 189,871.00 ₹ 6,484,256.56 ₹ 21,630,677.89
₹ 1,266,201.78 ₹ 189,871.00 ₹ 6,294,385.56 ₹ 15,146,421.32 ₹ 17,799,685.72
### ₹ 189,871.00 ₹ 6,484,256.56 ₹ 21,630,677.89 ₹ 39,430,363.61
₹ 45,532.50
Year 4 Year 5 Year 6 -part Assumption
₹ - ₹ -
₹ 7,103,646.10 ₹ 8,169,193.01 ₹ 9,394,571.97 15%
₹ 3,954,202.48 ₹ 4,547,332.85 ₹ 5,229,432.77 5%
₹ 11,862,607.43 ₹ 13,641,998.54 ₹ 15,688,298.32 5%
₹ 2,714,308.56 ₹ 3,121,454.85 ₹ 3,589,673.07 5%
₹ 5,311,697.00 ₹ 6,108,451.55 ₹ 7,024,719.28 5%
₹ 7,170,790.95 ₹ 8,246,409.59 ₹ 9,483,371.03 5%
₹ 476,100.00 ₹ 547,515.00 ₹ 629,642.25 5%
₹ 38,593,352.51 ₹ 44,382,355.38 ₹ 51,039,708.69
₹ 1,973,235.03 ₹ 2,269,220.28 ₹ 2,609,603.32
₹ 1,932,000.00 ₹ 2,221,800.00 ₹ 2,555,070.00 10%
₹ 862,008.00 ₹ 862,008.00 ₹ 359,170.00
₹ 2,380,500.00 ₹ 2,737,575.00 ₹ 3,148,211.25 5%
₹ 531,169.70 ₹ 610,845.15 ₹ 702,471.93
₹ 476,100.00 ₹ 547,515.00 ₹ 629,642.25
₹ 3,174,000.00 ₹ 3,650,100.00 ₹ 4,197,615.00 10%
₹ 1,904,400.00 ₹ 2,190,060.00 ₹ 2,518,569.00
₹ 793,500.00 ₹ 912,525.00 ₹ 1,049,403.75 5%
₹ 3,174,000.00 ₹ 3,650,100.00 ₹ 4,197,615.00
₹ 793,500.00 ₹ 912,525.00 ₹ 1,049,403.75
₹ 17,994,412.73 ₹ 20,564,273.44 ₹ 23,016,775.25
₹ 39,430,363.61 ₹ 60,029,303.39 ₹ 83,847,385.33
₹ 20,598,939.78 ₹ 23,818,081.95 ₹ 28,022,933.44
₹ 60,029,303.39 ₹ 83,847,385.33 ₹ 111,870,318.77
Year Month Principal Interest Emi Balance % of Payment EMI Cumulative EMI
2020 Sep ₹ 45,880 ₹ 25,954 ₹ 71,834 ₹ 3,414,591 1.33% ₹ 71,834 ₹ 71,834
2020 Oct ₹ 46,224 ₹ 25,609 ₹ 71,834 ₹ 3,368,367 2.66% ₹ 71,834 ₹ 143,668
2020 Nov ₹ 46,571 ₹ 25,263 ₹ 71,834 ₹ 3,321,796 4.01% ₹ 71,834 ₹ 215,502
2020 Dec ₹ 46,920 ₹ 24,913 ₹ 71,834 ₹ 3,274,875 5.36% ₹ 71,834 ₹ 287,336
2021 Jan ₹ 47,272 ₹ 24,562 ₹ 71,834 ₹ 3,227,603 6.73% ₹ 71,834 ₹ 359,170
2021 Feb ₹ 47,627 ₹ 24,207 ₹ 71,834 ₹ 3,179,977 8.11% ₹ 71,834 ₹ 431,004
2021 Mar ₹ 47,984 ₹ 23,850 ₹ 71,834 ₹ 3,131,993 9.49% ₹ 71,834 ₹ 502,838
2021 Apr ₹ 48,344 ₹ 23,490 ₹ 71,834 ₹ 3,083,649 10.89% ₹ 71,834 ₹ 574,672
2021 May ₹ 48,706 ₹ 23,127 ₹ 71,834 ₹ 3,034,943 12.30% ₹ 71,834 ₹ 646,506
2021 Jun ₹ 49,072 ₹ 22,762 ₹ 71,834 ₹ 2,985,871 13.71% ₹ 71,834 ₹ 718,340
2021 Jul ₹ 49,440 ₹ 22,394 ₹ 71,834 ₹ 2,936,431 15.14% ₹ 71,834 ₹ 790,174
2021 Aug ₹ 49,810 ₹ 22,023 ₹ 71,834 ₹ 2,886,621 16.58% ₹ 71,834 ₹ 862,008
2021 Sep ₹ 50,184 ₹ 21,650 ₹ 71,834 ₹ 2,836,437 18.03% ₹ 71,834 ₹ 933,842
2021 Oct ₹ 50,560 ₹ 21,273 ₹ 71,834 ₹ 2,785,877 19.49% ₹ 71,834 ₹ 1,005,676
2021 Nov ₹ 50,940 ₹ 20,894 ₹ 71,834 ₹ 2,734,937 20.97% ₹ 71,834 ₹ 1,077,510
2021 Dec ₹ 51,322 ₹ 20,512 ₹ 71,834 ₹ 2,683,615 22.45% ₹ 71,834 ₹ 1,149,344
2022 Jan ₹ 51,707 ₹ 20,127 ₹ 71,834 ₹ 2,631,909 23.94% ₹ 71,834 ₹ 1,221,178
2022 Feb ₹ 52,094 ₹ 19,739 ₹ 71,834 ₹ 2,579,814 25.45% ₹ 71,834 ₹ 1,293,012
2022 Mar ₹ 52,485 ₹ 19,349 ₹ 71,834 ₹ 2,527,329 26.97% ₹ 71,834 ₹ 1,364,846
2022 Apr ₹ 52,879 ₹ 18,955 ₹ 71,834 ₹ 2,474,451 28.49% ₹ 71,834 ₹ 1,436,680
2022 May ₹ 53,275 ₹ 18,558 ₹ 71,834 ₹ 2,421,175 30.03% ₹ 71,834 ₹ 1,508,514
2022 Jun ₹ 53,675 ₹ 18,159 ₹ 71,834 ₹ 2,367,500 31.58% ₹ 71,834 ₹ 1,580,348
2022 Jul ₹ 54,077 ₹ 17,756 ₹ 71,834 ₹ 2,313,423 33.15% ₹ 71,834 ₹ 1,652,182
2022 Aug ₹ 54,483 ₹ 17,351 ₹ 71,834 ₹ 2,258,940 34.72% ₹ 71,834 ₹ 1,724,016
2022 Sep ₹ 54,892 ₹ 16,942 ₹ 71,834 ₹ 2,204,048 36.31% ₹ 71,834 ₹ 1,795,850
2022 Oct ₹ 55,303 ₹ 16,530 ₹ 71,834 ₹ 2,148,745 37.91% ₹ 71,834 ₹ 1,867,684
2022 Nov ₹ 55,718 ₹ 16,116 ₹ 71,834 ₹ 2,093,027 39.52% ₹ 71,834 ₹ 1,939,518
2022 Dec ₹ 56,136 ₹ 15,698 ₹ 71,834 ₹ 2,036,891 41.14% ₹ 71,834 ₹ 2,011,352
2023 Jan ₹ 56,557 ₹ 15,277 ₹ 71,834 ₹ 1,980,334 42.77% ₹ 71,834 ₹ 2,083,186
2023 Feb ₹ 56,981 ₹ 14,853 ₹ 71,834 ₹ 1,923,353 44.42% ₹ 71,834 ₹ 2,155,020
2023 Mar ₹ 57,409 ₹ 14,425 ₹ 71,834 ₹ 1,865,944 46.08% ₹ 71,834 ₹ 2,226,854
2023 Apr ₹ 57,839 ₹ 13,995 ₹ 71,834 ₹ 1,808,105 47.75% ₹ 71,834 ₹ 2,298,688
2023 May ₹ 58,273 ₹ 13,561 ₹ 71,834 ₹ 1,749,832 49.43% ₹ 71,834 ₹ 2,370,522
2023 Jun ₹ 58,710 ₹ 13,124 ₹ 71,834 ₹ 1,691,122 51.13% ₹ 71,834 ₹ 2,442,356
2023 Jul ₹ 59,150 ₹ 12,683 ₹ 71,834 ₹ 1,631,972 52.84% ₹ 71,834 ₹ 2,514,190
2023 Aug ₹ 59,594 ₹ 12,240 ₹ 71,834 ₹ 1,572,378 54.56% ₹ 71,834 ₹ 2,586,024
2023 Sep ₹ 60,041 ₹ 11,793 ₹ 71,834 ₹ 1,512,337 56.30% ₹ 71,834 ₹ 2,657,858
2023 Oct ₹ 60,491 ₹ 11,343 ₹ 71,834 ₹ 1,451,846 58.04% ₹ 71,834 ₹ 2,729,692
2023 Nov ₹ 60,945 ₹ 10,889 ₹ 71,834 ₹ 1,390,901 59.81% ₹ 71,834 ₹ 2,801,526
2023 Dec ₹ 61,402 ₹ 10,432 ₹ 71,834 ₹ 1,329,499 61.58% ₹ 71,834 ₹ 2,873,360
2024 Jan ₹ 61,862 ₹ 9,971 ₹ 71,834 ₹ 1,267,637 63.37% ₹ 71,834 ₹ 2,945,194
2024 Feb ₹ 62,326 ₹ 9,507 ₹ 71,834 ₹ 1,205,310 65.17% ₹ 71,834 ₹ 3,017,028
2024 Mar ₹ 62,794 ₹ 9,040 ₹ 71,834 ₹ 1,142,517 66.98% ₹ 71,834 ₹ 3,088,862
2024 Apr ₹ 63,265 ₹ 8,569 ₹ 71,834 ₹ 1,079,252 68.81% ₹ 71,834 ₹ 3,160,696
2024 May ₹ 63,739 ₹ 8,094 ₹ 71,834 ₹ 1,015,512 70.65% ₹ 71,834 ₹ 3,232,530
2024 Jun ₹ 64,217 ₹ 7,616 ₹ 71,834 ₹ 951,295 72.51% ₹ 71,834 ₹ 3,304,364
2024 Jul ₹ 64,699 ₹ 7,135 ₹ 71,834 ₹ 886,596 74.38% ₹ 71,834 ₹ 3,376,198
2024 Aug ₹ 65,184 ₹ 6,649 ₹ 71,834 ₹ 821,412 76.26% ₹ 71,834 ₹ 3,448,032
2024 Sep ₹ 65,673 ₹ 6,161 ₹ 71,834 ₹ 755,739 78.16% ₹ 71,834 ₹ 3,519,866
2024 Oct ₹ 66,166 ₹ 5,668 ₹ 71,834 ₹ 689,573 80.07% ₹ 71,834 ₹ 3,591,700
2024 Nov ₹ 66,662 ₹ 5,172 ₹ 71,834 ₹ 622,911 82.00% ₹ 71,834 ₹ 3,663,534
2024 Dec ₹ 67,162 ₹ 4,672 ₹ 71,834 ₹ 555,749 83.94% ₹ 71,834 ₹ 3,735,368
2025 Jan ₹ 67,666 ₹ 4,168 ₹ 71,834 ₹ 488,084 85.90% ₹ 71,834 ₹ 3,807,202
2025 Feb ₹ 68,173 ₹ 3,661 ₹ 71,834 ₹ 419,911 87.87% ₹ 71,834 ₹ 3,879,036
2025 Mar ₹ 68,684 ₹ 3,149 ₹ 71,834 ₹ 351,226 89.85% ₹ 71,834 ₹ 3,950,870
2025 Apr ₹ 69,199 ₹ 2,634 ₹ 71,834 ₹ 282,027 91.85% ₹ 71,834 ₹ 4,022,704
2025 May ₹ 69,718 ₹ 2,115 ₹ 71,834 ₹ 212,308 93.86% ₹ 71,834 ₹ 4,094,538
2025 Jun ₹ 70,241 ₹ 1,592 ₹ 71,834 ₹ 142,067 95.89% ₹ 71,834 ₹ 4,166,372
2025 Jul ₹ 70,768 ₹ 1,066 ₹ 71,834 ₹ 71,299 97.94% ₹ 71,834 ₹ 4,238,206
2025 Aug ₹ 71,299 ₹ 535 ₹ 71,834 ₹0 100.00% ₹ 71,834 ₹ 4,310,040
Cumulative Interest Year 2020 2020 2020
₹ 25,954 Month Sep Oct Nov
₹ 51,563 Principal ₹ 45,880.00 ₹ 46,224.00 ₹ 46,571.00
₹ 76,826 Interest ₹ 25,954.00 ₹ 25,609.00 ₹ 25,263.00
₹ 101,739 Emi ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 126,301 Balance ₹ 3,414,591.00 ₹ 3,368,367.00 ₹ 3,321,796.00
₹ 150,508 % of Payment 1.33% 2.66% 4.01%
₹ 174,358 EMI ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 197,848 Cumulative EMI ₹ 71,834.00 ₹ 143,668.00 ₹ 215,502.00
₹ 220,975 Cumulative Interest ₹ 25,954.00 ₹ 51,563.00 ₹ 76,826.00
₹ 243,737
₹ 266,131
₹ 288,154
₹ 309,804
₹ 331,077
₹ 351,971
₹ 372,483
₹ 392,610
₹ 412,349
₹ 431,698
₹ 450,653
₹ 469,211
₹ 487,370
₹ 505,126
₹ 522,477
₹ 539,419
₹ 555,949
₹ 572,065
₹ 587,763
₹ 603,040
₹ 617,893
₹ 632,318
₹ 646,313
₹ 659,874
₹ 672,998
₹ 685,681
₹ 697,921
₹ 709,714
₹ 721,057
₹ 731,946
₹ 742,378
₹ 752,349
₹ 761,856
₹ 770,896
₹ 779,465
₹ 787,559
₹ 795,175
₹ 802,310
₹ 808,959
₹ 815,120
₹ 820,788
₹ 825,960
₹ 830,632
₹ 834,800
₹ 838,461
₹ 841,610
₹ 844,244
₹ 846,359
₹ 847,951
₹ 849,017
₹ 849,552
2020 2021 2021 2021 2021 2021
Dec Jan Feb Mar Apr May
₹ 46,920.00 ₹ 47,272.00 ₹ 47,627.00 ₹ 47,984.00 ₹ 48,344.00 ₹ 48,706.00
₹ 24,913.00 ₹ 24,562.00 ₹ 24,207.00 ₹ 23,850.00 ₹ 23,490.00 ₹ 23,127.00
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 3,274,875.00 ₹ 3,227,603.00 ₹ 3,179,977.00 ₹ 3,131,993.00 ₹ 3,083,649.00 ₹ 3,034,943.00
5.36% 6.73% 8.11% 9.49% 10.89% 12.30%
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 287,336.00 ₹ 359,170.00 ₹ 431,004.00 ₹ 502,838.00 ₹ 574,672.00 ₹ 646,506.00
₹ 101,739.00 ₹ 126,301.00 ₹ 150,508.00 ₹ 174,358.00 ₹ 197,848.00 ₹ 220,975.00
2021 2021 2021 2021 2021 2021
Jun Jul Aug Sep Oct Nov
₹ 49,072.00 ₹ 49,440.00 ₹ 49,810.00 ₹ 50,184.00 ₹ 50,560.00 ₹ 50,940.00
₹ 22,762.00 ₹ 22,394.00 ₹ 22,023.00 ₹ 21,650.00 ₹ 21,273.00 ₹ 20,894.00
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 2,985,871.00 ₹ 2,936,431.00 ₹ 2,886,621.00 ₹ 2,836,437.00 ₹ 2,785,877.00 ₹ 2,734,937.00
13.71% 15.14% 16.58% 18.03% 19.49% 20.97%
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 718,340.00 ₹ 790,174.00 ₹ 862,008.00 ₹ 933,842.00 ₹ 1,005,676.00 ₹ 1,077,510.00
₹ 243,737.00 ₹ 266,131.00 ₹ 288,154.00 ₹ 309,804.00 ₹ 331,077.00 ₹ 351,971.00
2021 2022 2022 2022 2022 2022
Dec Jan Feb Mar Apr May
₹ 51,322.00 ₹ 51,707.00 ₹ 52,094.00 ₹ 52,485.00 ₹ 52,879.00 ₹ 53,275.00
₹ 20,512.00 ₹ 20,127.00 ₹ 19,739.00 ₹ 19,349.00 ₹ 18,955.00 ₹ 18,558.00
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 2,683,615.00 ₹ 2,631,909.00 ₹ 2,579,814.00 ₹ 2,527,329.00 ₹ 2,474,451.00 ₹ 2,421,175.00
22.45% 23.94% 25.45% 26.97% 28.49% 30.03%
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 1,149,344.00 ₹ 1,221,178.00 ₹ 1,293,012.00 ₹ 1,364,846.00 ₹ 1,436,680.00 ₹ 1,508,514.00
₹ 372,483.00 ₹ 392,610.00 ₹ 412,349.00 ₹ 431,698.00 ₹ 450,653.00 ₹ 469,211.00
2022 2022 2022 2022 2022 2022
Jun Jul Aug Sep Oct Nov
₹ 53,675.00 ₹ 54,077.00 ₹ 54,483.00 ₹ 54,892.00 ₹ 55,303.00 ₹ 55,718.00
₹ 18,159.00 ₹ 17,756.00 ₹ 17,351.00 ₹ 16,942.00 ₹ 16,530.00 ₹ 16,116.00
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 2,367,500.00 ₹ 2,313,423.00 ₹ 2,258,940.00 ₹ 2,204,048.00 ₹ 2,148,745.00 ₹ 2,093,027.00
31.58% 33.15% 34.72% 36.31% 37.91% 39.52%
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 1,580,348.00 ₹ 1,652,182.00 ₹ 1,724,016.00 ₹ 1,795,850.00 ₹ 1,867,684.00 ₹ 1,939,518.00
₹ 487,370.00 ₹ 505,126.00 ₹ 522,477.00 ₹ 539,419.00 ₹ 555,949.00 ₹ 572,065.00
2022 2023 2023 2023 2023 2023
Dec Jan Feb Mar Apr May
₹ 56,136.00 ₹ 56,557.00 ₹ 56,981.00 ₹ 57,409.00 ₹ 57,839.00 ₹ 58,273.00
₹ 15,698.00 ₹ 15,277.00 ₹ 14,853.00 ₹ 14,425.00 ₹ 13,995.00 ₹ 13,561.00
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 2,036,891.00 ₹ 1,980,334.00 ₹ 1,923,353.00 ₹ 1,865,944.00 ₹ 1,808,105.00 ₹ 1,749,832.00
41.14% 42.77% 44.42% 46.08% 47.75% 49.43%
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 2,011,352.00 ₹ 2,083,186.00 ₹ 2,155,020.00 ₹ 2,226,854.00 ₹ 2,298,688.00 ₹ 2,370,522.00
₹ 587,763.00 ₹ 603,040.00 ₹ 617,893.00 ₹ 632,318.00 ₹ 646,313.00 ₹ 659,874.00
2023 2023 2023 2023 2023 2023
Jun Jul Aug Sep Oct Nov
₹ 58,710.00 ₹ 59,150.00 ₹ 59,594.00 ₹ 60,041.00 ₹ 60,491.00 ₹ 60,945.00
₹ 13,124.00 ₹ 12,683.00 ₹ 12,240.00 ₹ 11,793.00 ₹ 11,343.00 ₹ 10,889.00
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 1,691,122.00 ₹ 1,631,972.00 ₹ 1,572,378.00 ₹ 1,512,337.00 ₹ 1,451,846.00 ₹ 1,390,901.00
51.13% 52.84% 54.56% 56.30% 58.04% 59.81%
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 2,442,356.00 ₹ 2,514,190.00 ₹ 2,586,024.00 ₹ 2,657,858.00 ₹ 2,729,692.00 ₹ 2,801,526.00
₹ 672,998.00 ₹ 685,681.00 ₹ 697,921.00 ₹ 709,714.00 ₹ 721,057.00 ₹ 731,946.00
2023 2024 2024 2024 2024 2024
Dec Jan Feb Mar Apr May
₹ 61,402.00 ₹ 61,862.00 ₹ 62,326.00 ₹ 62,794.00 ₹ 63,265.00 ₹ 63,739.00
₹ 10,432.00 ₹ 9,971.00 ₹ 9,507.00 ₹ 9,040.00 ₹ 8,569.00 ₹ 8,094.00
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 1,329,499.00 ₹ 1,267,637.00 ₹ 1,205,310.00 ₹ 1,142,517.00 ₹ 1,079,252.00 ₹ 1,015,512.00
61.58% 63.37% 65.17% 66.98% 68.81% 70.65%
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 2,873,360.00 ₹ 2,945,194.00 ₹ 3,017,028.00 ₹ 3,088,862.00 ₹ 3,160,696.00 ₹ 3,232,530.00
₹ 742,378.00 ₹ 752,349.00 ₹ 761,856.00 ₹ 770,896.00 ₹ 779,465.00 ₹ 787,559.00
2024 2024 2024 2024 2024 2024
Jun Jul Aug Sep Oct Nov
₹ 64,217.00 ₹ 64,699.00 ₹ 65,184.00 ₹ 65,673.00 ₹ 66,166.00 ₹ 66,662.00
₹ 7,616.00 ₹ 7,135.00 ₹ 6,649.00 ₹ 6,161.00 ₹ 5,668.00 ₹ 5,172.00
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 951,295.00 ₹ 886,596.00 ₹ 821,412.00 ₹ 755,739.00 ₹ 689,573.00 ₹ 622,911.00
72.51% 74.38% 76.26% 78.16% 80.07% 82.00%
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 3,304,364.00 ₹ 3,376,198.00 ₹ 3,448,032.00 ₹ 3,519,866.00 ₹ 3,591,700.00 ₹ 3,663,534.00
₹ 795,175.00 ₹ 802,310.00 ₹ 808,959.00 ₹ 815,120.00 ₹ 820,788.00 ₹ 825,960.00
2024 2025 2025 2025 2025 2025
Dec Jan Feb Mar Apr May
₹ 67,162.00 ₹ 67,666.00 ₹ 68,173.00 ₹ 68,684.00 ₹ 69,199.00 ₹ 69,718.00
₹ 4,672.00 ₹ 4,168.00 ₹ 3,661.00 ₹ 3,149.00 ₹ 2,634.00 ₹ 2,115.00
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 555,749.00 ₹ 488,084.00 ₹ 419,911.00 ₹ 351,226.00 ₹ 282,027.00 ₹ 212,308.00
83.94% 85.90% 87.87% 89.85% 91.85% 93.86%
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 3,735,368.00 ₹ 3,807,202.00 ₹ 3,879,036.00 ₹ 3,950,870.00 ₹ 4,022,704.00 ₹ 4,094,538.00
₹ 830,632.00 ₹ 834,800.00 ₹ 838,461.00 ₹ 841,610.00 ₹ 844,244.00 ₹ 846,359.00
2025 2025 2025
Jun Jul Aug
₹ 70,241.00 ₹ 70,768.00 ₹ 71,299.00
₹ 1,592.00 ₹ 1,066.00 ₹ 535.00
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 142,067.00 ₹ 71,299.00 ₹ 0.00
95.89% 97.94% 100.00%
₹ 71,834.00 ₹ 71,834.00 ₹ 71,834.00
₹ 4,166,372.00 ₹ 4,238,206.00 ₹ 4,310,040.00
₹ 847,951.00 ₹ 849,017.00 ₹ 849,552.00