1. How much you have now money??

2. What the interest rate is

3. How many years you wants to put the money away for
Then you can use a formula to figure out how much you 'll have at the e

Future Value
how much money put in the bank today will turn into at some point in the fu

FV = PV (1 + r)^n PV = FV / (1 +r)^n

FV: Future Value

PV Present Value

Present Value
how much you need to save today to have a specific amount at some p

Net Present Value

Net present value (NPV) is the difference between the present value of

Internal Rate of Return (IRR)

Internal rate of return (IRR) is a metric used in capital budgeting to estimate the
Internal rate of return is a discount rate that makes the net present value (NPV) of all c
ou 'll have at the end. The formula is:

me point in the future with the interest.

FV / (1 +r)^n

amount at some point in the future.

present value of cash inflows and the present value of cash outflows over a p

ing to estimate the profitability of potential investments.

nt value (NPV) of all cash flows from a particular project equal to zero.
outflows over a period of time. 
Time Value on Excel (Using the Financial Function (fx) Wizard)

Future Value: =FV()

If I deposit $100 into an account earning 10% per year, how much will my deposit be
worth after 5 years?
100
PV : $ (100.00)
I: 10.00%
n: 5 $161.05
FV? $161.05

What if we had the same problem but interest is compounded monthly?

PV : $ (100.00)
I: 0.83%
n: 60
FV? $ 164.53
Time Value on Excel (Using the Financial Function (fx) Wizard)

Present Value: =PV()

How much would I need to deposit today in an account earning 10%

per year in order to accumulate $10,000 after 5 years?

FV : $ (10,000.00)
I: 10.00%
n: 5
PV? $ 6,209.21

What if my interest was compounded monthly?

FV : $ (10,000.00)
I: 0.83%
n: 60
PV? $ 6,077.89
 Calculating Present Value in Excel
This worksheet demonstrates examples of using an Excel function to find the present
value of an investment or an annuity.

Present value is the total amount of future payments regarding a particular investment and
what that total amount is worth today.

An annuity consists of a series of payments made over a predetermined length of time.

Educational loans, car loans, and mortgage loans are all examples of annuities.

Finding the present value for an investment or an annuity by using the Excel PV function can be
helpful and time-saving. When considering where to invest money or an annuity, or when
deciding the best action to take for paying off a loan, you may need to "crunch" numbers quickly
to find the best solution to your financial questions.

The PV formula consists of five fields:

Rate is the periodic interest rate.

NPER is total number of payment periods.

Pmt is the amount of payment made in each period.

FV is the future value of the investment after the last payment is made or at a point in time in
the future. When FV is omitted, you must include data for the "Pmt" field.

Type indicates when payments are due. A "0" or data omitted from this field indicates that
payments are due at the end of each period. A "1" indicates that payments are made at the
beginning of each period.

This example assumes an initial investment of $50,000, and a promised return of

$1,000 per month (at the end of the month) for five years and an 8% interest rate.

Follow these steps to use Excel's PV function to find the present value for this investment:

1) Select the output cell for the solution. (For this example, use cell J41.) initial investment 50,000
pmt 1000
2) Click the function button (fx), select All in the left pane to display all Excel functions, and double- year 5
click PV in the right pane. Interest 8.00%
($82,878.96)
Note: When you click on PV, the formula is shown at the bottom of the Paste Function dialog PV
box: =PV(rate, nper, pmt, fv, type).

3) The cursor automatically appears in the "Rate" field, prompting you for the required data. Enter
the rate. (For this example, the rate is 0.08/12. The interest rate 0.08 is divided by 12 to signify
the interest rate per month.)

4) Enter data for the remaining data fields. For "NPER," enter 12*5. For Pmt, enter 1000. Leave "FV"
blank. For "Type," enter 0.

Note: As the cursor moves from field to field, the definition of each respective field is shown at
the bottom of the PV function box.
5) After you have entered the required data, click OK.
Future Value 50,000.00
Interest Rate: 9.0%
Number of period 15

Present Value (PV) $13,726.90 PV = FV*(1/(1+i)n)

Present Value 50,000.00

Interest Rate: 9.0%
Number of period 15

Future Value $182,124.12 FV=PV* (1+i)n

Months dur
1
Loan Amount: 10,000.00 2
Annual Interest Rate: 9.5% 3
Payment Period (months): 1 months 4
Number of Periods: 36 months 5
6
Payment per Period: $320.33 7
₹ 241.16 ₹ 79.17 8
9
Period 10
Principal Amount 11
Interest Amount 12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
PMT PPMT IPMT
EMI Principal inter
Loan Amount: $50,000.00

Annual Interest
Rate:
7.25%

Pmt. Period
(months):
1

Number of Periods: 36

Loan Amortization Schedule

Payment Payment Cumulative Cumulative
Interest Principal
Period Amount Payments Interest

1 $1,549.58 $1,549.58 $302.08 $302.08 $1,247.49

2 $1,549.58 $3,099.15 $294.55 $596.63 $1,255.03
3 $1,549.58 $4,648.73 $286.96 $883.59 $1,262.61
4 $1,549.58 $6,198.31 $279.34 $1,162.93 $1,270.24
5 $1,549.58 $7,747.88 $271.66 $1,434.59 $1,277.92
6 $1,549.58 $9,297.46 $263.94 $1,698.53 $1,285.64
7 $1,549.58 $10,847.04 $256.17 $1,954.70 $1,293.40
8 $1,549.58 $12,396.61 $248.36 $2,203.06 $1,301.22
9 $1,549.58 $13,946.19 $240.50 $2,443.56 $1,309.08
10 $1,549.58 $15,495.76 $232.59 $2,676.15 $1,316.99
11 $1,549.58 $17,045.34 $224.63 $2,900.78 $1,324.94
12 $1,549.58 $18,594.92 $216.63 $3,117.41 $1,332.95
13 $1,549.58 $20,144.49 $208.57 $3,325.98 $1,341.00
14 $1,549.58 $21,694.07 $200.47 $3,526.45 $1,349.10
15 $1,549.58 $23,243.65 $192.32 $3,718.77 $1,357.26
16 $1,549.58 $24,793.22 $184.12 $3,902.89 $1,365.46
17 $1,549.58 $26,342.80 $175.87 $4,078.76 $1,373.71
18 $1,549.58 $27,892.38 $167.57 $4,246.34 $1,382.01
19 $1,549.58 $29,441.95 $159.22 $4,405.56 $1,390.35
20 $1,549.58 $30,991.53 $150.82 $4,556.38 $1,398.75
21 $1,549.58 $32,541.11 $142.37 $4,698.75 $1,407.21
22 $1,549.58 $34,090.68 $133.87 $4,832.62 $1,415.71
23 $1,549.58 $35,640.26 $125.32 $4,957.93 $1,424.26
24 $1,549.58 $37,189.84 $116.71 $5,074.65 $1,432.87
25 $1,549.58 $38,739.41 $108.05 $5,182.70 $1,441.52
26 $1,549.58 $40,288.99 $99.34 $5,282.04 $1,450.23
27 $1,549.58 $41,838.56 $90.58 $5,372.63 $1,458.99
28 $1,549.58 $43,388.14 $81.77 $5,454.40 $1,467.81
29 $1,549.58 $44,937.72 $72.90 $5,527.30 $1,476.68
30 $1,549.58 $46,487.29 $63.98 $5,591.27 $1,485.60
31 $1,549.58 $48,036.87 $55.00 $5,646.28 $1,494.57
32 $1,549.58 $49,586.45 $45.97 $5,692.25 $1,503.60
$1,800.00
33 $1,549.58 $51,136.02 $36.89 $5,729.14 $1,512.69
$1,600.00
34 $1,549.58 $52,685.60 $27.75 $5,756.89 $1,521.83
$1,400.00
35 $1,549.58 $54,235.18 $18.56 $5,775.45 $1,531.02
$1,200.00
36 $1,549.58 $55,784.75 $9.31 $5,784.75 $1,540.27
$1,000.00
37 $1,549.58 $57,334.33 Err:502 Err:502 Err:502
$800.00
38 $1,549.58 $58,883.91 Err:502 Err:502 Err:502
$600.00
39 $1,549.58 $60,433.48 Err:502 Err:502 Err:502
$400.00
40 $1,549.58 $61,983.06 Err:502 Err:502 Err:502
$200.00
41 $1,549.58 $63,532.63 Err:502 Err:502 Err:502
$0.00
42 $1,549.58 $65,082.21 Err:502 Err:502 Err:502 1 3 5 7 9 11
43 $1,549.58 $66,631.79 Err:502 Err:502 Err:502
44 $1,549.58 $68,181.36 Err:502 Err:502 Err:502
45 $1,549.58 $69,730.94 Err:502 Err:502 Err:502
46 $1,549.58 $71,280.52 Err:502 Err:502 Err:502
47 $1,549.58 $72,830.09 Err:502 Err:502 Err:502
48 $1,549.58 $74,379.67 Err:502 Err:502 Err:502
49 $1,549.58 $75,929.25 Err:502 Err:502 Err:502
50 $1,549.58 $77,478.82 Err:502 Err:502 Err:502
51 $1,549.58 $79,028.40 Err:502 Err:502 Err:502
52 $1,549.58 $80,577.98 Err:502 Err:502 Err:502
53 $1,549.58 $82,127.55 Err:502 Err:502 Err:502
54 $1,549.58 $83,677.13 Err:502 Err:502 Err:502
55 $1,549.58 $85,226.71 Err:502 Err:502 Err:502
56 $1,549.58 $86,776.28 Err:502 Err:502 Err:502
57 $1,549.58 $88,325.86 Err:502 Err:502 Err:502
58 $1,549.58 $89,875.43 Err:502 Err:502 Err:502
59 $1,549.58 $91,425.01 Err:502 Err:502 Err:502
60 $1,549.58 $92,974.59 Err:502 Err:502 Err:502
61 $1,549.58 $94,524.16 Err:502 Err:502 Err:502
62 $1,549.58 $96,073.74 Err:502 Err:502 Err:502
63 $1,549.58 $97,623.32 Err:502 Err:502 Err:502
64 $1,549.58 $99,172.89 Err:502 Err:502 Err:502
65 $1,549.58 $100,722.47 Err:502 Err:502 Err:502
66 $1,549.58 $102,272.05 Err:502 Err:502 Err:502
67 $1,549.58 $103,821.62 Err:502 Err:502 Err:502
68 $1,549.58 $105,371.20 Err:502 Err:502 Err:502
69 $1,549.58 $106,920.78 Err:502 Err:502 Err:502
70 $1,549.58 $108,470.35 Err:502 Err:502 Err:502
71 $1,549.58 $110,019.93 Err:502 Err:502 Err:502
72 $1,549.58 $111,569.51 Err:502 Err:502 Err:502
 73 $1,549.58 $113,119.08 Err:502 Err:502 Err:502
74 $1,549.58 $114,668.66 Err:502 Err:502 Err:502
75 $1,549.58 $116,218.23 Err:502 Err:502 Err:502
76 $1,549.58 $117,767.81 Err:502 Err:502 Err:502
77 $1,549.58 $119,317.39 Err:502 Err:502 Err:502
78 $1,549.58 $120,866.96 Err:502 Err:502 Err:502
79 $1,549.58 $122,416.54 Err:502 Err:502 Err:502
80 $1,549.58 $123,966.12 Err:502 Err:502 Err:502
81 $1,549.58 $125,515.69 Err:502 Err:502 Err:502
82 $1,549.58 $127,065.27 Err:502 Err:502 Err:502
83 $1,549.58 $128,614.85 Err:502 Err:502 Err:502
84 $1,549.58 $130,164.42 Err:502 Err:502 Err:502
85 $1,549.58 $131,714.00 Err:502 Err:502 Err:502
86 $1,549.58 $133,263.58 Err:502 Err:502 Err:502
87 $1,549.58 $134,813.15 Err:502 Err:502 Err:502
88 $1,549.58 $136,362.73 Err:502 Err:502 Err:502
89 $1,549.58 $137,912.30 Err:502 Err:502 Err:502
90 $1,549.58 $139,461.88 Err:502 Err:502 Err:502
91 $1,549.58 $141,011.46 Err:502 Err:502 Err:502
92 $1,549.58 $142,561.03 Err:502 Err:502 Err:502
93 $1,549.58 $144,110.61 Err:502 Err:502 Err:502
94 $1,549.58 $145,660.19 Err:502 Err:502 Err:502
95 $1,549.58 $147,209.76 Err:502 Err:502 Err:502
96 $1,549.58 $148,759.34 Err:502 Err:502 Err:502
97 $1,549.58 $150,308.92 Err:502 Err:502 Err:502
98 $1,549.58 $151,858.49 Err:502 Err:502 Err:502
99 $1,549.58 $153,408.07 Err:502 Err:502 Err:502
100 $1,549.58 $154,957.65 Err:502 Err:502 Err:502
101 $1,549.58 $156,507.22 Err:502 Err:502 Err:502
102 $1,549.58 $158,056.80 Err:502 Err:502 Err:502
103 $1,549.58 $159,606.38 Err:502 Err:502 Err:502
104 $1,549.58 $161,155.95 Err:502 Err:502 Err:502
105 $1,549.58 $162,705.53 Err:502 Err:502 Err:502
106 $1,549.58 $164,255.10 Err:502 Err:502 Err:502
107 $1,549.58 $165,804.68 Err:502 Err:502 Err:502
108 $1,549.58 $167,354.26 Err:502 Err:502 Err:502
109 $1,549.58 $168,903.83 Err:502 Err:502 Err:502
110 $1,549.58 $170,453.41 Err:502 Err:502 Err:502
111 $1,549.58 $172,002.99 Err:502 Err:502 Err:502
112 $1,549.58 $173,552.56 Err:502 Err:502 Err:502
113 $1,549.58 $175,102.14 Err:502 Err:502 Err:502
114 $1,549.58 $176,651.72 Err:502 Err:502 Err:502
115 $1,549.58 $178,201.29 Err:502 Err:502 Err:502
116 $1,549.58 $179,750.87 Err:502 Err:502 Err:502
117 $1,549.58 $181,300.45 Err:502 Err:502 Err:502
118 $1,549.58 $182,850.02 Err:502 Err:502 Err:502
119 $1,549.58 $184,399.60 Err:502 Err:502 Err:502
120 $1,549.58 $185,949.18 Err:502 Err:502 Err:502
121 $1,549.58 $187,498.75 Err:502 Err:502 Err:502
122 $1,549.58 $189,048.33 Err:502 Err:502 Err:502
123 $1,549.58 $190,597.90 Err:502 Err:502 Err:502
124 $1,549.58 $192,147.48 Err:502 Err:502 Err:502
125 $1,549.58 $193,697.06 Err:502 Err:502 Err:502
126 $1,549.58 $195,246.63 Err:502 Err:502 Err:502
127 $1,549.58 $196,796.21 Err:502 Err:502 Err:502
128 $1,549.58 $198,345.79 Err:502 Err:502 Err:502
129 $1,549.58 $199,895.36 Err:502 Err:502 Err:502
130 $1,549.58 $201,444.94 Err:502 Err:502 Err:502
131 $1,549.58 $202,994.52 Err:502 Err:502 Err:502
132 $1,549.58 $204,544.09 Err:502 Err:502 Err:502
133 $1,549.58 $206,093.67 Err:502 Err:502 Err:502
134 $1,549.58 $207,643.25 Err:502 Err:502 Err:502
135 $1,549.58 $209,192.82 Err:502 Err:502 Err:502
136 $1,549.58 $210,742.40 Err:502 Err:502 Err:502
137 $1,549.58 $212,291.97 Err:502 Err:502 Err:502
138 $1,549.58 $213,841.55 Err:502 Err:502 Err:502
139 $1,549.58 $215,391.13 Err:502 Err:502 Err:502
140 $1,549.58 $216,940.70 Err:502 Err:502 Err:502
141 $1,549.58 $218,490.28 Err:502 Err:502 Err:502
142 $1,549.58 $220,039.86 Err:502 Err:502 Err:502
143 $1,549.58 $221,589.43 Err:502 Err:502 Err:502
144 $1,549.58 $223,139.01 Err:502 Err:502 Err:502
145 $1,549.58 $224,688.59 Err:502 Err:502 Err:502
146 $1,549.58 $226,238.16 Err:502 Err:502 Err:502
147 $1,549.58 $227,787.74 Err:502 Err:502 Err:502
148 $1,549.58 $229,337.32 Err:502 Err:502 Err:502
149 $1,549.58 $230,886.89 Err:502 Err:502 Err:502
150 $1,549.58 $232,436.47 Err:502 Err:502 Err:502
151 $1,549.58 $233,986.05 Err:502 Err:502 Err:502
152 $1,549.58 $235,535.62 Err:502 Err:502 Err:502
153 $1,549.58 $237,085.20 Err:502 Err:502 Err:502
154 $1,549.58 $238,634.77 Err:502 Err:502 Err:502
155 $1,549.58 $240,184.35 Err:502 Err:502 Err:502
156 $1,549.58 $241,733.93 Err:502 Err:502 Err:502
157 $1,549.58 $243,283.50 Err:502 Err:502 Err:502
158 $1,549.58 $244,833.08 Err:502 Err:502 Err:502
159 $1,549.58 $246,382.66 Err:502 Err:502 Err:502
160 $1,549.58 $247,932.23 Err:502 Err:502 Err:502
161 $1,549.58 $249,481.81 Err:502 Err:502 Err:502
162 $1,549.58 $251,031.39 Err:502 Err:502 Err:502
163 $1,549.58 $252,580.96 Err:502 Err:502 Err:502
164 $1,549.58 $254,130.54 Err:502 Err:502 Err:502
165 $1,549.58 $255,680.12 Err:502 Err:502 Err:502
166 $1,549.58 $257,229.69 Err:502 Err:502 Err:502
167 $1,549.58 $258,779.27 Err:502 Err:502 Err:502
168 $1,549.58 $260,328.85 Err:502 Err:502 Err:502
169 $1,549.58 $261,878.42 Err:502 Err:502 Err:502
170 $1,549.58 $263,428.00 Err:502 Err:502 Err:502
171 $1,549.58 $264,977.57 Err:502 Err:502 Err:502
172 $1,549.58 $266,527.15 Err:502 Err:502 Err:502
173 $1,549.58 $268,076.73 Err:502 Err:502 Err:502
174 $1,549.58 $269,626.30 Err:502 Err:502 Err:502
175 $1,549.58 $271,175.88 Err:502 Err:502 Err:502
176 $1,549.58 $272,725.46 Err:502 Err:502 Err:502
177 $1,549.58 $274,275.03 Err:502 Err:502 Err:502
178 $1,549.58 $275,824.61 Err:502 Err:502 Err:502
179 $1,549.58 $277,374.19 Err:502 Err:502 Err:502
180 $1,549.58 $278,923.76 Err:502 Err:502 Err:502
181 $1,549.58 $280,473.34 Err:502 Err:502 Err:502
182 $1,549.58 $282,022.92 Err:502 Err:502 Err:502
183 $1,549.58 $283,572.49 Err:502 Err:502 Err:502
184 $1,549.58 $285,122.07 Err:502 Err:502 Err:502
185 $1,549.58 $286,671.64 Err:502 Err:502 Err:502
186 $1,549.58 $288,221.22 Err:502 Err:502 Err:502
187 $1,549.58 $289,770.80 Err:502 Err:502 Err:502
188 $1,549.58 $291,320.37 Err:502 Err:502 Err:502
189 $1,549.58 $292,869.95 Err:502 Err:502 Err:502
190 $1,549.58 $294,419.53 Err:502 Err:502 Err:502
191 $1,549.58 $295,969.10 Err:502 Err:502 Err:502
192 $1,549.58 $297,518.68 Err:502 Err:502 Err:502
193 $1,549.58 $299,068.26 Err:502 Err:502 Err:502
194 $1,549.58 $300,617.83 Err:502 Err:502 Err:502
195 $1,549.58 $302,167.41 Err:502 Err:502 Err:502
196 $1,549.58 $303,716.99 Err:502 Err:502 Err:502
197 $1,549.58 $305,266.56 Err:502 Err:502 Err:502
198 $1,549.58 $306,816.14 Err:502 Err:502 Err:502
199 $1,549.58 $308,365.72 Err:502 Err:502 Err:502
200 $1,549.58 $309,915.29 Err:502 Err:502 Err:502
201 $1,549.58 $311,464.87 Err:502 Err:502 Err:502
202 $1,549.58 $313,014.44 Err:502 Err:502 Err:502
203 $1,549.58 $314,564.02 Err:502 Err:502 Err:502
204 $1,549.58 $316,113.60 Err:502 Err:502 Err:502
205 $1,549.58 $317,663.17 Err:502 Err:502 Err:502
206 $1,549.58 $319,212.75 Err:502 Err:502 Err:502
207 $1,549.58 $320,762.33 Err:502 Err:502 Err:502
208 $1,549.58 $322,311.90 Err:502 Err:502 Err:502
209 $1,549.58 $323,861.48 Err:502 Err:502 Err:502
210 $1,549.58 $325,411.06 Err:502 Err:502 Err:502
211 $1,549.58 $326,960.63 Err:502 Err:502 Err:502
212 $1,549.58 $328,510.21 Err:502 Err:502 Err:502
213 $1,549.58 $330,059.79 Err:502 Err:502 Err:502
214 $1,549.58 $331,609.36 Err:502 Err:502 Err:502
215 $1,549.58 $333,158.94 Err:502 Err:502 Err:502
216 $1,549.58 $334,708.52 Err:502 Err:502 Err:502
217 $1,549.58 $336,258.09 Err:502 Err:502 Err:502
218 $1,549.58 $337,807.67 Err:502 Err:502 Err:502
219 $1,549.58 $339,357.24 Err:502 Err:502 Err:502
220 $1,549.58 $340,906.82 Err:502 Err:502 Err:502
221 $1,549.58 $342,456.40 Err:502 Err:502 Err:502
222 $1,549.58 $344,005.97 Err:502 Err:502 Err:502
223 $1,549.58 $345,555.55 Err:502 Err:502 Err:502
224 $1,549.58 $347,105.13 Err:502 Err:502 Err:502
225 $1,549.58 $348,654.70 Err:502 Err:502 Err:502
226 $1,549.58 $350,204.28 Err:502 Err:502 Err:502
227 $1,549.58 $351,753.86 Err:502 Err:502 Err:502
228 $1,549.58 $353,303.43 Err:502 Err:502 Err:502
229 $1,549.58 $354,853.01 Err:502 Err:502 Err:502
230 $1,549.58 $356,402.59 Err:502 Err:502 Err:502
231 $1,549.58 $357,952.16 Err:502 Err:502 Err:502
232 $1,549.58 $359,501.74 Err:502 Err:502 Err:502
233 $1,549.58 $361,051.31 Err:502 Err:502 Err:502
234 $1,549.58 $362,600.89 Err:502 Err:502 Err:502
235 $1,549.58 $364,150.47 Err:502 Err:502 Err:502
236 $1,549.58 $365,700.04 Err:502 Err:502 Err:502
237 $1,549.58 $367,249.62 Err:502 Err:502 Err:502
238 $1,549.58 $368,799.20 Err:502 Err:502 Err:502
239 $1,549.58 $370,348.77 Err:502 Err:502 Err:502
240 $1,549.58 $371,898.35 Err:502 Err:502 Err:502
241 $1,549.58 $373,447.93 Err:502 Err:502 Err:502
242 $1,549.58 $374,997.50 Err:502 Err:502 Err:502
243 $1,549.58 $376,547.08 Err:502 Err:502 Err:502
244 $1,549.58 $378,096.66 Err:502 Err:502 Err:502
245 $1,549.58 $379,646.23 Err:502 Err:502 Err:502
246 $1,549.58 $381,195.81 Err:502 Err:502 Err:502
247 $1,549.58 $382,745.39 Err:502 Err:502 Err:502
248 $1,549.58 $384,294.96 Err:502 Err:502 Err:502
249 $1,549.58 $385,844.54 Err:502 Err:502 Err:502
250 $1,549.58 $387,394.11 Err:502 Err:502 Err:502
251 $1,549.58 $388,943.69 Err:502 Err:502 Err:502
252 $1,549.58 $390,493.27 Err:502 Err:502 Err:502
253 $1,549.58 $392,042.84 Err:502 Err:502 Err:502
254 $1,549.58 $393,592.42 Err:502 Err:502 Err:502
255 $1,549.58 $395,142.00 Err:502 Err:502 Err:502
256 $1,549.58 $396,691.57 Err:502 Err:502 Err:502
257 $1,549.58 $398,241.15 Err:502 Err:502 Err:502
258 $1,549.58 $399,790.73 Err:502 Err:502 Err:502
259 $1,549.58 $401,340.30 Err:502 Err:502 Err:502
260 $1,549.58 $402,889.88 Err:502 Err:502 Err:502
261 $1,549.58 $404,439.46 Err:502 Err:502 Err:502
262 $1,549.58 $405,989.03 Err:502 Err:502 Err:502
263 $1,549.58 $407,538.61 Err:502 Err:502 Err:502
264 $1,549.58 $409,088.19 Err:502 Err:502 Err:502
265 $1,549.58 $410,637.76 Err:502 Err:502 Err:502
266 $1,549.58 $412,187.34 Err:502 Err:502 Err:502
267 $1,549.58 $413,736.91 Err:502 Err:502 Err:502
268 $1,549.58 $415,286.49 Err:502 Err:502 Err:502
269 $1,549.58 $416,836.07 Err:502 Err:502 Err:502
270 $1,549.58 $418,385.64 Err:502 Err:502 Err:502
271 $1,549.58 $419,935.22 Err:502 Err:502 Err:502
272 $1,549.58 $421,484.80 Err:502 Err:502 Err:502
273 $1,549.58 $423,034.37 Err:502 Err:502 Err:502
274 $1,549.58 $424,583.95 Err:502 Err:502 Err:502
275 $1,549.58 $426,133.53 Err:502 Err:502 Err:502
276 $1,549.58 $427,683.10 Err:502 Err:502 Err:502
277 $1,549.58 $429,232.68 Err:502 Err:502 Err:502
278 $1,549.58 $430,782.26 Err:502 Err:502 Err:502
279 $1,549.58 $432,331.83 Err:502 Err:502 Err:502
280 $1,549.58 $433,881.41 Err:502 Err:502 Err:502
281 $1,549.58 $435,430.98 Err:502 Err:502 Err:502
282 $1,549.58 $436,980.56 Err:502 Err:502 Err:502
283 $1,549.58 $438,530.14 Err:502 Err:502 Err:502
284 $1,549.58 $440,079.71 Err:502 Err:502 Err:502
285 $1,549.58 $441,629.29 Err:502 Err:502 Err:502
286 $1,549.58 $443,178.87 Err:502 Err:502 Err:502
287 $1,549.58 $444,728.44 Err:502 Err:502 Err:502
288 $1,549.58 $446,278.02 Err:502 Err:502 Err:502
289 $1,549.58 $447,827.60 Err:502 Err:502 Err:502
290 $1,549.58 $449,377.17 Err:502 Err:502 Err:502
291 $1,549.58 $450,926.75 Err:502 Err:502 Err:502
292 $1,549.58 $452,476.33 Err:502 Err:502 Err:502
293 $1,549.58 $454,025.90 Err:502 Err:502 Err:502
294 $1,549.58 $455,575.48 Err:502 Err:502 Err:502
295 $1,549.58 $457,125.06 Err:502 Err:502 Err:502
296 $1,549.58 $458,674.63 Err:502 Err:502 Err:502
297 $1,549.58 $460,224.21 Err:502 Err:502 Err:502
298 $1,549.58 $461,773.78 Err:502 Err:502 Err:502
299 $1,549.58 $463,323.36 Err:502 Err:502 Err:502
300 $1,549.58 $464,872.94 Err:502 Err:502 Err:502
301 $1,549.58 $466,422.51 Err:502 Err:502 Err:502
302 $1,549.58 $467,972.09 Err:502 Err:502 Err:502
303 $1,549.58 $469,521.67 Err:502 Err:502 Err:502
304 $1,549.58 $471,071.24 Err:502 Err:502 Err:502
305 $1,549.58 $472,620.82 Err:502 Err:502 Err:502
306 $1,549.58 $474,170.40 Err:502 Err:502 Err:502
307 $1,549.58 $475,719.97 Err:502 Err:502 Err:502
308 $1,549.58 $477,269.55 Err:502 Err:502 Err:502
309 $1,549.58 $478,819.13 Err:502 Err:502 Err:502
310 $1,549.58 $480,368.70 Err:502 Err:502 Err:502
311 $1,549.58 $481,918.28 Err:502 Err:502 Err:502
312 $1,549.58 $483,467.86 Err:502 Err:502 Err:502
313 $1,549.58 $485,017.43 Err:502 Err:502 Err:502
314 $1,549.58 $486,567.01 Err:502 Err:502 Err:502
315 $1,549.58 $488,116.58 Err:502 Err:502 Err:502
316 $1,549.58 $489,666.16 Err:502 Err:502 Err:502
317 $1,549.58 $491,215.74 Err:502 Err:502 Err:502
318 $1,549.58 $492,765.31 Err:502 Err:502 Err:502
319 $1,549.58 $494,314.89 Err:502 Err:502 Err:502
320 $1,549.58 $495,864.47 Err:502 Err:502 Err:502
321 $1,549.58 $497,414.04 Err:502 Err:502 Err:502
322 $1,549.58 $498,963.62 Err:502 Err:502 Err:502
323 $1,549.58 $500,513.20 Err:502 Err:502 Err:502
324 $1,549.58 $502,062.77 Err:502 Err:502 Err:502
325 $1,549.58 $503,612.35 Err:502 Err:502 Err:502
326 $1,549.58 $505,161.93 Err:502 Err:502 Err:502
327 $1,549.58 $506,711.50 Err:502 Err:502 Err:502
328 $1,549.58 $508,261.08 Err:502 Err:502 Err:502
329 $1,549.58 $509,810.66 Err:502 Err:502 Err:502
330 $1,549.58 $511,360.23 Err:502 Err:502 Err:502
331 $1,549.58 $512,909.81 Err:502 Err:502 Err:502
332 $1,549.58 $514,459.38 Err:502 Err:502 Err:502
333 $1,549.58 $516,008.96 Err:502 Err:502 Err:502
334 $1,549.58 $517,558.54 Err:502 Err:502 Err:502
335 $1,549.58 $519,108.11 Err:502 Err:502 Err:502
336 $1,549.58 $520,657.69 Err:502 Err:502 Err:502
337 $1,549.58 $522,207.27 Err:502 Err:502 Err:502
338 $1,549.58 $523,756.84 Err:502 Err:502 Err:502
339 $1,549.58 $525,306.42 Err:502 Err:502 Err:502
340 $1,549.58 $526,856.00 Err:502 Err:502 Err:502
341 $1,549.58 $528,405.57 Err:502 Err:502 Err:502
342 $1,549.58 $529,955.15 Err:502 Err:502 Err:502
343 $1,549.58 $531,504.73 Err:502 Err:502 Err:502
344 $1,549.58 $533,054.30 Err:502 Err:502 Err:502
345 $1,549.58 $534,603.88 Err:502 Err:502 Err:502
346 $1,549.58 $536,153.45 Err:502 Err:502 Err:502
347 $1,549.58 $537,703.03 Err:502 Err:502 Err:502
348 $1,549.58 $539,252.61 Err:502 Err:502 Err:502
349 $1,549.58 $540,802.18 Err:502 Err:502 Err:502
350 $1,549.58 $542,351.76 Err:502 Err:502 Err:502
351 $1,549.58 $543,901.34 Err:502 Err:502 Err:502
352 $1,549.58 $545,450.91 Err:502 Err:502 Err:502
353 $1,549.58 $547,000.49 Err:502 Err:502 Err:502
354 $1,549.58 $548,550.07 Err:502 Err:502 Err:502
355 $1,549.58 $550,099.64 Err:502 Err:502 Err:502
356 $1,549.58 $551,649.22 Err:502 Err:502 Err:502
357 $1,549.58 $553,198.80 Err:502 Err:502 Err:502
358 $1,549.58 $554,748.37 Err:502 Err:502 Err:502
359 $1,549.58 $556,297.95 Err:502 Err:502 Err:502
360 $1,549.58 $557,847.53 Err:502 Err:502 Err:502
361 $1,549.58 $559,397.10 Err:502 Err:502 Err:502
362 $1,549.58 $560,946.68 Err:502 Err:502 Err:502
363 $1,549.58 $562,496.25 Err:502 Err:502 Err:502
364 $1,549.58 $564,045.83 Err:502 Err:502 Err:502
365 $1,549.58 $565,595.41 Err:502 Err:502 Err:502
366 $1,549.58 $567,144.98 Err:502 Err:502 Err:502
367 $1,549.58 $568,694.56 Err:502 Err:502 Err:502
368 $1,549.58 $570,244.14 Err:502 Err:502 Err:502
369 $1,549.58 $571,793.71 Err:502 Err:502 Err:502
370 $1,549.58 $573,343.29 Err:502 Err:502 Err:502
371 $1,549.58 $574,892.87 Err:502 Err:502 Err:502
372 $1,549.58 $576,442.44 Err:502 Err:502 Err:502
373 $1,549.58 $577,992.02 Err:502 Err:502 Err:502
374 $1,549.58 $579,541.60 Err:502 Err:502 Err:502
375 $1,549.58 $581,091.17 Err:502 Err:502 Err:502
376 $1,549.58 $582,640.75 Err:502 Err:502 Err:502
377 $1,549.58 $584,190.33 Err:502 Err:502 Err:502
378 $1,549.58 $585,739.90 Err:502 Err:502 Err:502
379 $1,549.58 $587,289.48 Err:502 Err:502 Err:502
380 $1,549.58 $588,839.05 Err:502 Err:502 Err:502
381 $1,549.58 $590,388.63 Err:502 Err:502 Err:502
382 $1,549.58 $591,938.21 Err:502 Err:502 Err:502
383 $1,549.58 $593,487.78 Err:502 Err:502 Err:502
384 $1,549.58 $595,037.36 Err:502 Err:502 Err:502
385 $1,549.58 $596,586.94 Err:502 Err:502 Err:502
386 $1,549.58 $598,136.51 Err:502 Err:502 Err:502
387 $1,549.58 $599,686.09 Err:502 Err:502 Err:502
388 $1,549.58 $601,235.67 Err:502 Err:502 Err:502
389 $1,549.58 $602,785.24 Err:502 Err:502 Err:502
390 $1,549.58 $604,334.82 Err:502 Err:502 Err:502
391 $1,549.58 $605,884.40 Err:502 Err:502 Err:502
392 $1,549.58 $607,433.97 Err:502 Err:502 Err:502
393 $1,549.58 $608,983.55 Err:502 Err:502 Err:502
394 $1,549.58 $610,533.12 Err:502 Err:502 Err:502
395 $1,549.58 $612,082.70 Err:502 Err:502 Err:502
396 $1,549.58 $613,632.28 Err:502 Err:502 Err:502
397 $1,549.58 $615,181.85 Err:502 Err:502 Err:502
398 $1,549.58 $616,731.43 Err:502 Err:502 Err:502
399 $1,549.58 $618,281.01 Err:502 Err:502 Err:502
400 $1,549.58 $619,830.58 Err:502 Err:502 Err:502
401 $1,549.58 $621,380.16 Err:502 Err:502 Err:502
402 $1,549.58 $622,929.74 Err:502 Err:502 Err:502
403 $1,549.58 $624,479.31 Err:502 Err:502 Err:502
404 $1,549.58 $626,028.89 Err:502 Err:502 Err:502
405 $1,549.58 $627,578.47 Err:502 Err:502 Err:502
406 $1,549.58 $629,128.04 Err:502 Err:502 Err:502
407 $1,549.58 $630,677.62 Err:502 Err:502 Err:502
408 $1,549.58 $632,227.20 Err:502 Err:502 Err:502
409 $1,549.58 $633,776.77 Err:502 Err:502 Err:502
410 $1,549.58 $635,326.35 Err:502 Err:502 Err:502
411 $1,549.58 $636,875.92 Err:502 Err:502 Err:502
412 $1,549.58 $638,425.50 Err:502 Err:502 Err:502
413 $1,549.58 $639,975.08 Err:502 Err:502 Err:502
414 $1,549.58 $641,524.65 Err:502 Err:502 Err:502
415 $1,549.58 $643,074.23 Err:502 Err:502 Err:502
416 $1,549.58 $644,623.81 Err:502 Err:502 Err:502
417 $1,549.58 $646,173.38 Err:502 Err:502 Err:502
418 $1,549.58 $647,722.96 Err:502 Err:502 Err:502
419 $1,549.58 $649,272.54 Err:502 Err:502 Err:502
420 $1,549.58 $650,822.11 Err:502 Err:502 Err:502
421 $1,549.58 $652,371.69 Err:502 Err:502 Err:502
422 $1,549.58 $653,921.27 Err:502 Err:502 Err:502
423 $1,549.58 $655,470.84 Err:502 Err:502 Err:502
424 $1,549.58 $657,020.42 Err:502 Err:502 Err:502
425 $1,549.58 $658,570.00 Err:502 Err:502 Err:502
426 $1,549.58 $660,119.57 Err:502 Err:502 Err:502
427 $1,549.58 $661,669.15 Err:502 Err:502 Err:502
428 $1,549.58 $663,218.72 Err:502 Err:502 Err:502
429 $1,549.58 $664,768.30 Err:502 Err:502 Err:502
430 $1,549.58 $666,317.88 Err:502 Err:502 Err:502
431 $1,549.58 $667,867.45 Err:502 Err:502 Err:502
432 $1,549.58 $669,417.03 Err:502 Err:502 Err:502
433 $1,549.58 $670,966.61 Err:502 Err:502 Err:502
434 $1,549.58 $672,516.18 Err:502 Err:502 Err:502
435 $1,549.58 $674,065.76 Err:502 Err:502 Err:502
436 $1,549.58 $675,615.34 Err:502 Err:502 Err:502
437 $1,549.58 $677,164.91 Err:502 Err:502 Err:502
438 $1,549.58 $678,714.49 Err:502 Err:502 Err:502
439 $1,549.58 $680,264.07 Err:502 Err:502 Err:502
440 $1,549.58 $681,813.64 Err:502 Err:502 Err:502
441 $1,549.58 $683,363.22 Err:502 Err:502 Err:502
442 $1,549.58 $684,912.79 Err:502 Err:502 Err:502
443 $1,549.58 $686,462.37 Err:502 Err:502 Err:502
444 $1,549.58 $688,011.95 Err:502 Err:502 Err:502
445 $1,549.58 $689,561.52 Err:502 Err:502 Err:502
446 $1,549.58 $691,111.10 Err:502 Err:502 Err:502
447 $1,549.58 $692,660.68 Err:502 Err:502 Err:502
448 $1,549.58 $694,210.25 Err:502 Err:502 Err:502
449 $1,549.58 $695,759.83 Err:502 Err:502 Err:502
450 $1,549.58 $697,309.41 Err:502 Err:502 Err:502
451 $1,549.58 $698,858.98 Err:502 Err:502 Err:502
452 $1,549.58 $700,408.56 Err:502 Err:502 Err:502
453 $1,549.58 $701,958.14 Err:502 Err:502 Err:502
454 $1,549.58 $703,507.71 Err:502 Err:502 Err:502
455 $1,549.58 $705,057.29 Err:502 Err:502 Err:502
456 $1,549.58 $706,606.87 Err:502 Err:502 Err:502
457 $1,549.58 $708,156.44 Err:502 Err:502 Err:502
458 $1,549.58 $709,706.02 Err:502 Err:502 Err:502
459 $1,549.58 $711,255.59 Err:502 Err:502 Err:502
460 $1,549.58 $712,805.17 Err:502 Err:502 Err:502
461 $1,549.58 $714,354.75 Err:502 Err:502 Err:502
462 $1,549.58 $715,904.32 Err:502 Err:502 Err:502
463 $1,549.58 $717,453.90 Err:502 Err:502 Err:502
464 $1,549.58 $719,003.48 Err:502 Err:502 Err:502
465 $1,549.58 $720,553.05 Err:502 Err:502 Err:502
466 $1,549.58 $722,102.63 Err:502 Err:502 Err:502
467 $1,549.58 $723,652.21 Err:502 Err:502 Err:502
468 $1,549.58 $725,201.78 Err:502 Err:502 Err:502
469 $1,549.58 $726,751.36 Err:502 Err:502 Err:502
470 $1,549.58 $728,300.94 Err:502 Err:502 Err:502
471 $1,549.58 $729,850.51 Err:502 Err:502 Err:502
472 $1,549.58 $731,400.09 Err:502 Err:502 Err:502
473 $1,549.58 $732,949.67 Err:502 Err:502 Err:502
474 $1,549.58 $734,499.24 Err:502 Err:502 Err:502
475 $1,549.58 $736,048.82 Err:502 Err:502 Err:502
476 $1,549.58 $737,598.39 Err:502 Err:502 Err:502
477 $1,549.58 $739,147.97 Err:502 Err:502 Err:502
478 $1,549.58 $740,697.55 Err:502 Err:502 Err:502
479 $1,549.58 $742,247.12 Err:502 Err:502 Err:502
480 $1,549.58 $743,796.70 Err:502 Err:502 Err:502
Cumulative Principal Payment Payment Cumulative
Interest
Principal Balance Period Amount Payments

$50,000.00 pmt ipmt

$1,247.49 $48,752.51 1 $1,549.58 $1,549.58 $302.08
$2,502.52 47,497.48 $1,549.58 $3,099.15 Err:502
$3,765.14 46,234.86 $1,549.58 $4,648.73 Err:502
$5,035.38 44,964.62 $1,549.58 $6,198.31 Err:502
$6,313.29 43,686.71 $1,549.58 $7,747.88 Err:502
$7,598.93 42,401.07 $1,549.58 $9,297.46 Err:502
$8,892.33 41,107.67 $1,549.58 $10,847.04 Err:502
$10,193.55 39,806.45 $1,549.58 $12,396.61 Err:502
$11,502.63 38,497.37
$12,819.62 37,180.38
$14,144.56 35,855.44
$15,477.51 34,522.49
$16,818.51 33,181.49
$18,167.62 31,832.38
$19,524.87 30,475.13
$20,890.33 29,109.67
$22,264.04 27,735.96
$23,646.04 26,353.96
$25,036.40 24,963.60
$26,435.15 23,564.85
$27,842.36 22,157.64
$29,258.06 20,741.94 Chart Title
$30,682.32 19,317.68 $60,000.00
$32,115.19 17,884.81
$50,000.00
$33,556.71 16,443.29
$35,006.94 14,993.06 $40,000.00
$36,465.94 13,534.06
$30,000.00
$37,933.74 12,066.26
$39,410.42 10,589.58 $20,000.00

$10,000.00

$0.00
1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 3

Cumulative Cumulative
Interest Principal
 $50,000.00

$40,000.00

$30,000.00

$20,000.00
$40,896.02 9,103.98 $10,000.00
$42,390.59 Chart Title
7,609.41
$0.00
$1,800.00 $43,894.20 6,105.80 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 3
$1,600.00 $45,406.88 4,593.12
$1,400.00
$46,928.71 3,071.29 Cumulative Cumulative
Interest Principal
$1,200.00
$48,459.73 1,540.27
$50,000.00 (0.00)
$1,000.00
Err:502 Err:502
$800.00 Chart Title
Err:502 Err:502
$600.00
Err:502 Err:502 $60,000.00
$400.00
Err:502 Err:502 $50,000.00
$200.00
Err:502 Err:502
$0.00 $40,000.00
1 3 Err:502
5 7 9 11 13Err:502
15 17 19 21 23 25 27 29 31 33 35 37
Err:502 Err:502 $30,000.00
Interest Principal
Err:502 Err:502 $20,000.00
Err:502 Err:502 $10,000.00
Err:502 Err:502
$0.00
Err:502 Err:502 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37
Err:502 Err:502 ($10,000.00)
Err:502 Err:502
Cumulative Principal
Err:502 Err:502 Principal Balance
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 Cumulativ
Cumulative Principal
e Principal
Principal Balance
Interest
ppmt $50,000.00
$302.08 $1,247.49 $1,247.49 $48,752.51
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25 27 29 31 33 35 37

ve
 25 27 29 31 33 35 37

ve

25 27 29 31 33 35 37

l
Net present value is the summation of all present values of a series of pa
A positive present value means that the company is generating revenues

COMPUTING THE PRESENT VALUE

Discount rate 10%

Year Cash flow

1 100
2 100
3 100
4 100
5 100
sent values of a series of payments and future cash flows.
pany is generating revenues more than its expenses and making a profit. 

ENT VALUE

Present
value
90.9091 PV = FV/(1+i)n
173.5537
248.6852
316.9865
379.0787

₹ -379.08
₹ 379.08
 COMPUTING THE PRESENT VALUE
In this example the cash flows are not equal
Either discount each cash flow separately or use Excel's NPV function
Excel's PV doesn't work for this case

Discount rate 10%

Cash Present
Year flow value
1 100
2 200
3 300
4 400
5 500

₹ 1,065.26
E
al
s NPV function

PV=FV/(1+i)n
 INTERNAL RATE OF RETURN
Discount rate 22%

Year Cash flow

0 -800
1 200
2 250
3 300
4 350
5 400

Net present value (NPV) 0.00

 Net Present Value

Net present value is used to calculate the present value of multiple future cash flows. NPV analysis can be
higher the NPV the more beneficial the decision. NPV analysis can be used to evaluate a single decision o
company should choose any decision that has a NPV greater than 0.

This example involves the decision to purchase a new machine to replace an old
new machine and has a choice of two machines that will provide the same funct
would provide savings of $25,000 for the next five years. Machine B cost $75,00
$20,000 for the next 5 years. The company's discount rate is 10%.
Rate 10.00%
Machine A Time
0 1 2 3 4 5
Cash flows -$100,000 $25,000 $25,000 $25,000 $25,000 $25,000 -5,230.331
COST

Machine B Time
0 1 2 3 4 5

Cash flows -$75,000 $20,000 $20,000 $20,000 $20,000 $20,000 815.735

COST

thus machine B should be used as its NPV > 0 whereas for machine A < 0
sent Value

h flows. NPV analysis can be used to analyze various business decisions. The
o evaluate a single decision or compare several choices. Theoretically, the
0.

chine to replace an old one. JonesCo needs to purchase a

rovide the same function. Machine A cost $100,000 and
Machine B cost $75,000 and would provide savings of
e is 10%.
 INTERNAL RATE OF RETURN
Year Cash flow
0 -800
1 200
2 250
3 300
4 350
5 400

Internal rate of return 22.16%

if irr > rate of return then project/decision should be taken

 A B C D E

1
Direct calculation of IRR
2 Year Cash flow
3 0 -1,000
4 1 300
5 2 200
6 3 150
7 4 600 irr 24%
8 5 900
9 npv 519.35
10 IRR 10.00%
11
12
13 Discount 10 irr
14 519.35
15 NPV 519.35 0
 A B C
1 INTERNAL RATE OF RETURN
2 Discount rate 12.00%
3
4 Year Cash flow
5 0 -800
6 1 200
7 2 250
8 3 300
9 4 350
10 5 400
11
12
 A B C
1 INTERNAL RATE OF RETURN
2 Discount rate 18.00%
3
4 Year Cash flow
5 0 -800
6 1 200
7 2 250
8 3 300
9 4 350
10 5 400
11
12
Asset: Office Furniture
Original Cost: $10,000
Life (years): 10
Salvage Value: $1,000

Depreciation Amount
Year SLN DDB SYD
1 $900.00 $2,000.00 $1,636.36
2 $900.00 $1,600.00 $1,472.73
3 $900.00 $1,280.00 $1,309.09
4 $900.00 $1,024.00 $1,145.45
5 $900.00 $819.20 $981.82
6 $900.00 $655.36 $818.18
7 $900.00 $524.29 $654.55
8 $900.00 $419.43 $490.91
9 $900.00 $335.54 $327.27
10 $900.00 $268.44 $163.64

Value of Asset
Year SLN DDB SYD
0
1
2
3
4
5
6
7
8
9
10
 Mortgage loan payment

Purchase price ₹ 385,500.00

Down payment 10% loan amt EMI total payment
Loan term(months) 360 ₹ 346,950.00 $1,915.87 ₹ 689,713.47
Interest rate(APR) 5.25% 5.50% 709179.818462
5.75% 728894.169155
6.00% 748850.596926
loan amount ₹ 346,950.00 6.25% 769043.097677
emi ₹ 1,915.87 6.50% 789465.602703
total payment ₹ 689,713.47 6.75% 810111.994576
total interest ₹ 342,763.47 7.00% 830976.122529
7.25% 852051.817316
7.50% 873332.905473
7.75% 894813.222948
8.00% 916486.628067
total interest
₹ 342,763.47
362229.81846
381944.16916
401900.59693
422093.09768
442515.6027
463161.99458
484026.12253
505101.81732
526382.90547
547863.22295
569536.62807
direct mail profit model

Number mailed 275,000

response rate 2.50%

Parameters

Printing costs per unit ₹ 0.15 input(case)

mailing costs per unit ₹ 0.28 input
Responses 6,875
profit per response ₹ 18.50
Gross profit ₹ 127,187.50
Printing+mailing costs ₹ 118,250.00
Net profit ₹ 8,937.50

₹ 8,937.50 2.50% 2.75%

275,000
280,000
285,000
290,000
295,000
300,000
305,000
310,000
315,000
320,000
325,000
330,000
335,000
340,000
345,000
350,000
355,000
360,000
365,000
370,000
375,000
380,000
385,000
390,000
395,000
400,000
405,000
410,000
415,000
420,000
425,000
430,000
435,000
440,000
445,000
450,000
3.00% 3.25% 3.50% 3.75%
4.00% 4.25% 4.50% 4.75%