50,000.

00

K 10.00% 20.00%
Date Amount
01/01/15 50,000.00 50,000.00
31/12/15 20,000.00 59,071.89 39,071.89 26,626.95 24200
31/12/17 25,000.00 54,611.35 29,611.35 27,500.00
31/12/18 35,000.00 35,000.00 0.00 35,000.00
89,126.95

NPV 15,138.99
XNPV 10,874.91
IRR 24.90%
XIRR 18.20%
MIRR 20.14%
K 0.10
Date Amount
1.00 50,000.00 50,000.00
2.00 20,000.00 62,450.93 42,450.93
3.00 25,000.00 53,022.00 28,022.00
4.00 35,000.00 35,000.00 0.00

PVIF 65,138.99
PVOF 50,000.00
NPV 15,138.99
IRR 24.90%
 Initial Deposit ₹ 150.00
Interest Rate 8% 10% 12%

Years Future value 8% Future value 10% Future value 12%

0 ₹ 150.00 ₹ 150.00 ₹ 150.00
1 ₹ 162.00 ₹ 165.00 ₹ 168.00
2 ₹ 174.96 ₹ 181.50 ₹ 188.16
3 ₹ 188.96 ₹ 199.65 ₹ 210.74 ₹1,600.00

4 ₹ 204.07 ₹ 219.62 ₹ 236.03

₹1,400.00
5 ₹ 220.40 ₹ 241.58 ₹ 264.35
6 ₹ 238.03 ₹ 265.73 ₹ 296.07
₹1,200.00
7 ₹ 257.07 ₹ 292.31 ₹ 331.60
8 ₹ 277.64 ₹ 321.54 ₹ 371.39 ₹1,000.00
9 ₹ 299.85 ₹ 353.69 ₹ 415.96
10 ₹ 323.84 ₹ 389.06 ₹ 465.88 ₹800.00
11 ₹ 349.75 ₹ 427.97 ₹ 521.78
12 ₹ 377.73 ₹ 470.76 ₹ 584.40 ₹600.00
13 ₹ 407.94 ₹ 517.84 ₹ 654.52
14 ₹ 440.58 ₹ 569.62 ₹ 733.07 ₹400.00
15 ₹ 475.83 ₹ 626.59 ₹ 821.03
16 ₹ 513.89 ₹ 689.25 ₹ 919.56 ₹200.00

17 ₹ 555.00 ₹ 758.17 ₹ 1,029.91

₹0.00
18 ₹ 599.40 ₹ 833.99 ₹ 1,153.49 0
19 ₹ 647.36 ₹ 917.39 ₹ 1,291.91
20 ₹ 699.14 ₹ 1,009.12 ₹ 1,446.94

Amortization
LOAN ₹ 100,000.00 Loan Start Interest
NPER 3 1 ₹ 100,000.00 ₹ 10,000.00
RATE 10% 2 ₹ 69,788.52 ₹ 6,978.85
3 ₹ 36,555.89 ₹ 3,655.59
PMT ₹ 40,211.48

Loan 800000 Loan Start Interest

Interest 11% 1 ₹ 800,000.00 ₹ 7,333.33
Tenure 84 2 ₹ 793,635.38 ₹ 7,274.99
Foreclosure 2% 3 ₹ 787,212.43 ₹ 7,216.11
4 ₹ 780,730.59 ₹ 7,156.70
5 ₹ 774,189.34 ₹ 7,096.74
6 ₹ 767,588.13 ₹ 7,036.22
 7 ₹ 760,926.40 ₹ 6,975.16
8 ₹ 754,203.61 ₹ 6,913.53
9 ₹ 747,419.19 ₹ 6,851.34
10 ₹ 740,572.59 ₹ 6,788.58
11 ₹ 733,663.22 ₹ 6,725.25
12 ₹ 726,690.52 ₹ 6,661.33
13 ₹ 719,653.90 ₹ 6,596.83
14 ₹ 712,552.78 ₹ 6,531.73
15 ₹ 705,386.56 ₹ 6,466.04
16 ₹ 698,154.66 ₹ 6,399.75
17 ₹ 690,856.46 ₹ 6,332.85
18 ₹ 683,491.36 ₹ 6,265.34
19 ₹ 676,058.75 ₹ 6,197.21
20 ₹ 668,558.00 ₹ 6,128.45
21 ₹ 660,988.50 ₹ 6,059.06
22 ₹ 653,349.61 ₹ 5,989.04
23 ₹ 645,640.70 ₹ 5,918.37
24 ₹ 637,861.13 ₹ 5,847.06
25 ₹ 630,010.24 ₹ 5,775.09
26 ₹ 622,087.38 ₹ 5,702.47
27 ₹ 614,091.90 ₹ 5,629.18
28 ₹ 606,023.13 ₹ 5,555.21
29 ₹ 597,880.39 ₹ 5,480.57
30 ₹ 589,663.01 ₹ 5,405.24
31 ₹ 581,370.31 ₹ 5,329.23
32 ₹ 573,001.59 ₹ 5,252.51
33 ₹ 564,556.15 ₹ 5,175.10
34 ₹ 556,033.30 ₹ 5,096.97
35 ₹ 547,432.32 ₹ 5,018.13
36 ₹ 538,752.50 ₹ 4,938.56
37 ₹ 529,993.12 ₹ 4,858.27
38 ₹ 521,153.44 ₹ 4,777.24
39 ₹ 512,232.73 ₹ 4,695.47
40 ₹ 503,230.25 ₹ 4,612.94
41 ₹ 494,145.24 ₹ 4,529.66
42 ₹ 484,976.96 ₹ 4,445.62
43 ₹ 475,724.63 ₹ 4,360.81
44 ₹ 466,387.49 ₹ 4,275.22
45 ₹ 456,964.76 ₹ 4,188.84
46 ₹ 447,455.66 ₹ 4,101.68
47 ₹ 437,859.38 ₹ 4,013.71
48 ₹ 428,175.15 ₹ 3,924.94
49 ₹ 418,402.14 ₹ 3,835.35
50 ₹ 408,539.54 ₹ 3,744.95
51 ₹ 398,586.54 ₹ 3,653.71
52 ₹ 388,542.30 ₹ 3,561.64
53 ₹ 378,405.98 ₹ 3,468.72
54 ₹ 368,176.76 ₹ 3,374.95
55 ₹ 357,853.76 ₹ 3,280.33
56 ₹ 347,436.14 ₹ 3,184.83
57 ₹ 336,923.02 ₹ 3,088.46
58 ₹ 326,313.53 ₹ 2,991.21
59 ₹ 315,606.79 ₹ 2,893.06
60 ₹ 304,801.90 ₹ 2,794.02
61 ₹ 293,897.97 ₹ 2,694.06
62 ₹ 282,894.09 ₹ 2,593.20
63 ₹ 271,789.33
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
 Chart Title
₹1,600.00

₹1,400.00

₹1,200.00

₹1,000.00

₹800.00

₹600.00

₹400.00

₹200.00

₹0.00
0 1 2 3 4 5 6 7 8 9 10 1

Future value 8% Future value 10%

PMT End Principal Payment

₹ 40,211.48 ₹ 69,788.52 ₹ 30,211.48
₹ 40,211.48 ₹ 36,555.89 ₹ 33,232.63
₹ 40,211.48 ₹ 0.00 ₹ 36,555.89

PMT End Principal PaymenIPMT PPMT

₹ 13,697.95 ₹ 793,635.38 ₹ 6,364.62 ₹ 7,333.33 ₹ 968.72
₹ 13,697.95 ₹ 787,212.43 ₹ 6,422.96 ₹ 7,217.11 ₹ 845.25
₹ 13,697.95 ₹ 780,730.59 ₹ 6,481.84 ₹ 7,100.77 ₹ 722.54
₹ 13,697.95 ₹ 774,189.34 ₹ 6,541.25 ₹ 6,984.32 ₹ 600.62
₹ 13,697.95 ₹ 767,588.13 ₹ 6,601.21 ₹ 6,867.77 ₹ 479.53
₹ 13,697.95 ₹ 760,926.40 ₹ 6,661.72 ₹ 6,751.15 ₹ 359.33
₹ 13,697.95 ₹ 754,203.61 ₹ 6,722.79 ₹ 6,634.48 ₹ 240.04
₹ 13,697.95 ₹ 747,419.19 ₹ 6,784.42 ₹ 6,517.76 ₹ 121.73
₹ 13,697.95 ₹ 740,572.59 ₹ 6,846.61 ₹ 6,401.03 ₹ 4.42
₹ 13,697.95 ₹ 733,663.22 ₹ 6,909.37 ₹ 6,284.30 ₹ 111.81
₹ 13,697.95 ₹ 726,690.52 ₹ 6,972.70 ₹ 6,167.58 ₹ 226.94
₹ 13,697.95 ₹ 719,653.90 ₹ 7,036.62 ₹ 6,050.91 ₹ 340.90
₹ 13,697.95 ₹ 712,552.78 ₹ 7,101.12 ₹ 5,934.29 ₹ 453.65
₹ 13,697.95 ₹ 705,386.56 ₹ 7,166.22 ₹ 5,817.76 ₹ 565.13
₹ 13,697.95 ₹ 698,154.66 ₹ 7,231.91 ₹ 5,701.33 ₹ 675.29
₹ 13,697.95 ₹ 690,856.46 ₹ 7,298.20 ₹ 5,585.02 ₹ 784.07
₹ 13,697.95 ₹ 683,491.36 ₹ 7,365.10 ₹ 5,468.86 ₹ 891.42
₹ 13,697.95 ₹ 676,058.75 ₹ 7,432.61 ₹ 5,352.88 ₹ 997.28
₹ 13,697.95 ₹ 668,558.00 ₹ 7,500.74 ₹ 5,237.09 ₹ 1,101.59
₹ 13,697.95 ₹ 660,988.50 ₹ 7,569.50 ₹ 5,121.53 ₹ 1,204.28
₹ 13,697.95 ₹ 653,349.61 ₹ 7,638.89 ₹ 5,006.21 ₹ 1,305.31
₹ 13,697.95 ₹ 645,640.70 ₹ 7,708.91 ₹ 4,891.17 ₹ 1,404.60
₹ 13,697.95 ₹ 637,861.13 ₹ 7,779.58 ₹ 4,776.43 ₹ 1,502.09
₹ 13,697.95 ₹ 630,010.24 ₹ 7,850.89 ₹ 4,662.02 ₹ 1,597.71
₹ 13,697.95 ₹ 622,087.38 ₹ 7,922.86 ₹ 4,547.96 ₹ 1,691.39
₹ 13,697.95 ₹ 614,091.90 ₹ 7,995.48 ₹ 4,434.29 ₹ 1,783.07
₹ 13,697.95 ₹ 606,023.13 ₹ 8,068.77 ₹ 4,321.04 ₹ 1,872.67
₹ 13,697.95 ₹ 597,880.39 ₹ 8,142.74 ₹ 4,208.23 ₹ 1,960.13
₹ 13,697.95 ₹ 589,663.01 ₹ 8,217.38 ₹ 4,095.91 ₹ 2,045.36
₹ 13,697.95 ₹ 581,370.31 ₹ 8,292.70 ₹ 3,984.09 ₹ 2,128.29
₹ 13,697.95 ₹ 573,001.59 ₹ 8,368.72 ₹ 3,872.82 ₹ 2,208.84
₹ 13,697.95 ₹ 564,556.15 ₹ 8,445.43 ₹ 3,762.12 ₹ 2,286.94
₹ 13,697.95 ₹ 556,033.30 ₹ 8,522.85 ₹ 3,652.04 ₹ 2,362.49
₹ 13,697.95 ₹ 547,432.32 ₹ 8,600.98 ₹ 3,542.61 ₹ 2,435.43
₹ 13,697.95 ₹ 538,752.50 ₹ 8,679.82 ₹ 3,433.86 ₹ 2,505.66
₹ 13,697.95 ₹ 529,993.12 ₹ 8,759.38 ₹ 3,325.83 ₹ 2,573.10
₹ 13,697.95 ₹ 521,153.44 ₹ 8,839.68 ₹ 3,218.56 ₹ 2,637.65
₹ 13,697.95 ₹ 512,232.73 ₹ 8,920.71 ₹ 3,112.09 ₹ 2,699.23
₹ 13,697.95 ₹ 503,230.25 ₹ 9,002.48 ₹ 3,006.46 ₹ 2,757.74
₹ 13,697.95 ₹ 494,145.24 ₹ 9,085.01 ₹ 2,901.72 ₹ 2,813.10
₹ 13,697.95 ₹ 484,976.96 ₹ 9,168.28 ₹ 2,797.89 ₹ 2,865.19
₹ 13,697.95 ₹ 475,724.63 ₹ 9,252.33 ₹ 2,695.03 ₹ 2,913.93
₹ 13,697.95 ₹ 466,387.49 ₹ 9,337.14 ₹ 2,593.18 ₹ 2,959.20
₹ 13,697.95 ₹ 456,964.76 ₹ 9,422.73 ₹ 2,492.39 ₹ 3,000.92
₹ 13,697.95 ₹ 447,455.66 ₹ 9,509.11 ₹ 2,392.69 ₹ 3,038.97
₹ 13,697.95 ₹ 437,859.38 ₹ 9,596.27 ₹ 2,294.15 ₹ 3,073.23
₹ 13,697.95 ₹ 428,175.15 ₹ 9,684.24 ₹ 2,196.80 ₹ 3,103.62
₹ 13,697.95 ₹ 418,402.14 ₹ 9,773.01 ₹ 2,100.70 ₹ 3,130.00
₹ 13,697.95 ₹ 408,539.54 ₹ 9,862.60 ₹ 2,005.90 ₹ 3,152.26
₹ 13,697.95 ₹ 398,586.54 ₹ 9,953.00 ₹ 1,912.45 ₹ 3,170.30
₹ 13,697.95 ₹ 388,542.30 ₹ 10,044.24 ₹ 1,820.40 ₹ 3,183.97
₹ 13,697.95 ₹ 378,405.98 ₹ 10,136.31 ₹ 1,729.81 ₹ 3,193.17
₹ 13,697.95 ₹ 368,176.76 ₹ 10,229.23 ₹ 1,640.73 ₹ 3,197.77
₹ 13,697.95 ₹ 357,853.76 ₹ 10,323.00 ₹ 1,553.22 ₹ 3,197.63
₹ 13,697.95 ₹ 347,436.14 ₹ 10,417.62 ₹ 1,467.35 ₹ 3,192.64
₹ 13,697.95 ₹ 336,923.02 ₹ 10,513.12 ₹ 1,383.16 ₹ 3,182.64
₹ 13,697.95 ₹ 326,313.53 ₹ 10,609.49 ₹ 1,300.72 ₹ 3,167.51
₹ 13,697.95 ₹ 315,606.79 ₹ 10,706.74 ₹ 1,220.09 ₹ 3,147.10
₹ 13,697.95 ₹ 304,801.90 ₹ 10,804.89 ₹ 1,141.34 ₹ 3,121.28
₹ 13,697.95 ₹ 293,897.97 ₹ 10,903.93 ₹ 1,064.53 ₹ 3,089.90
₹ 13,697.95 ₹ 282,894.09
₹ 13,697.95 ₹ 271,789.33
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
₹ 13,697.95
 Chart Title

8 9 10 11 12 13 14 15 16 17 18 19 20

value 8% Future value 10% Future value 12%

Pre-payment Penalty 2%
Pre-payment Penalty Interest Penalty Total Pre-Payment
₹ 12,600.20 ₹ 8,982.25 ₹ 651,592.70
₹ 12,441.75 ₹ 8,755.33 ₹ 643,284.46
₹ 12,281.84 ₹ 8,529.27 ₹ 634,903.01
₹ 12,120.46 ₹ 8,304.14 ₹ 626,447.73
₹ 11,957.61 ₹ 8,080.00 ₹ 617,918.00
₹ 11,793.26 ₹ 7,856.91 ₹ 609,313.18
₹ 11,627.41 ₹ 7,634.94 ₹ 600,632.66
₹ 11,460.03 ₹ 7,414.17 ₹ 591,875.78
₹ 11,291.12 ₹ 7,194.65 ₹ 583,041.92
₹ 11,120.67 ₹ 6,976.47 ₹ 574,130.43
₹ 10,948.65 ₹ 6,759.69 ₹ 565,140.66
₹ 10,775.05 ₹ 6,544.39 ₹ 556,071.95
₹ 10,599.86 ₹ 6,330.66 ₹ 546,923.64
₹ 10,423.07 ₹ 6,118.56 ₹ 537,695.07
₹ 10,244.65 ₹ 5,908.18 ₹ 528,385.57
₹ 10,064.60 ₹ 5,699.61 ₹ 518,994.46
₹ 9,882.90 ₹ 5,492.92 ₹ 509,521.07
₹ 9,699.54 ₹ 5,288.21 ₹ 499,964.71
₹ 9,514.49 ₹ 5,085.57 ₹ 490,324.69
₹ 9,327.75 ₹ 4,885.08 ₹ 480,600.32
₹ 9,139.30 ₹ 4,686.84 ₹ 470,790.90
₹ 8,949.11 ₹ 4,490.95 ₹ 460,895.72
₹ 8,757.19 ₹ 4,297.50 ₹ 450,914.07
₹ 8,563.50 ₹ 4,106.60 ₹ 440,845.25
₹ 8,368.04 ₹ 3,918.35 ₹ 430,688.53
₹ 8,170.79 ₹ 3,732.85 ₹ 420,443.18
₹ 7,971.73 ₹ 3,550.21 ₹ 410,108.47
₹ 7,770.85 ₹ 3,370.54 ₹ 399,683.68
₹ 7,568.12 ₹ 3,193.96 ₹ 389,168.06
₹ 7,363.54 ₹ 3,020.57 ₹ 378,560.86
₹ 7,157.08 ₹ 2,850.50 ₹ 367,861.34
₹ 6,948.72 ₹ 2,683.87 ₹ 357,068.74
₹ 6,738.46 ₹ 2,520.81 ₹ 346,182.29
₹ 6,526.27 ₹ 2,361.43 ₹ 335,201.23
₹ 6,312.14 ₹ 2,205.86 ₹ 324,124.79
₹ 6,096.04 ₹ 1,064.53 ₹ 311,962.47
₹ 5,877.96 ₹ 0.00 ₹ 299,775.93
17 18 19 20
Time 3 Interest rate 11%
Course cost $30,000.00 Investment ₹ 781,117.17
Current USD-INR rate ₹ 82.00
Dollar appreciation 2%
US College FEES ₹ 2,610,571.68
Loan 800000 Loan Start
Interest 11%
Tenure 84
Yearly Deposits ₹ 62,277.76 =PMT(B10,B13,,-F14)
Interest 8%
Start Deposit Date (#B'Day) 10
End Deposit Date (#B'Day) 17
Deposits 8
Accumulated Sums ₹ 662,425.37 =FV(B10,B13,-B9)

Recalculaion 1 62277.76 =PMT(B10,B13,,PV(B10,F12,F9))

Yearly Withdrawls 200000
Start Withdrawal Date (#B'Day) 18
End Withdrawal Date (#B'Day)
Withdrawals 4

Present Valuation ₹ 662,425.37 =PV(B10,F12,-F9)

 1/1/2018 X Y Z
Investment 10000 23000 35000
Divestment 15000 36000 51000
Holding Period R 50% 56.52%
End Date 12/31/2018
NPER 0.997260273972603

Effective Annual Interes Rate

Interest 10% Nominal Annual Interest Rate
Period 8760 Compounding Period Per Year
Effective Annual Interes Rate 10.5170% =EFFECT(B18,B19)
Continuous Compounding 10.5171% =EXP(B18)-1
January 10000
February 12000
March 35000
April 24000
May 25660
June 25000
July 23000
August 26000
September 35000
October 26000
November 28000
December 26000

Total 295660
H1 Sales 131660 131660
H2 Sales 164000 164000
 face value = 100
int = 10%
Tenure = 5 yrs
Start date (Settlement
Date) - 1/1/2016
Maturity date -1/1/2021
= settlement date +
tenure

Bond A Bond B
0 -100 -62.1
1 10 0
2 10 0
3 10 0
4 10 0
5 125 100
12.35% 9.99721%