Presented By

Ridhi Aneja
B COM HONS "D"
19/20192
Computer Application In Bus
Submitted To
Dr. Sanjeewani Sehg
 Aneja
HONS "D"
0192
cation In Business

wani Sehgal
 Ratio Analysis
PROFIT AND LOSS ACCOUNT OF XYZ LTD FOR YEAR ENDING 2019 AND 2020 S.NO

PARTICULARS FY2019(IN LACS) FY2020(IN LACS) 1

COST OF SLAES 714 818
GROSS PROFIT 573 588
ADVERTISEMENT EXPENSE 125 120
ADMINISTRATIVE EXPENSE 105 100
TOTAL OPERATING EXPENSE 230 220
OPERATING PROFIT 343 368 2
INTEREST EXPENSE 40 50
TAXES 10 12
TOTAL NON OPERATING EXPENSE 50 62
TOTAL EXPENSE 280 282
NET PROFIT 293 306
3

BALANCE SHEET OF XYZ LTD FOR YEAR ENDING 2019 AND 2020

ASSETS Amt Amt

CURRENT ASSETS
CASH IN HAND AND BANK 15 20 4
SUNDRY DEBTORS 25 30
INVENTORIES 40 50
TOTAL CURRENT ASSETS 80 120
FIXED ASSETS Amt Amt
PLANTS AND MACHINERY 40 50
VEHICLES 20 25 5
LAND AND BUILDINGS 100 100
OTHER FIXED ASSETS 10 25
TOTAL FIXES ASSETS 170 200
TOTAL ASSETS 250 320
LIABILITIES Amt Amt
CURRENT LIABILITIES 6
SUNDRY CREDITORS 25 40
SHORT TERM ADVANCES 10 15
TOTAL CURRENT LIABILITY 35 55
LONG TERM LIABILITY 55 45
SHAREHOLDER'S FUND 160 220
TOTAL LIABILITIES 250 320 7

SOLUTION
RATIO 2019 2020 8
DEBTOR TURNOVER RATO 51.48 51.12727273

10

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tio Analysis
RATIO FORMULA

CURRENT RATIO CURRENT ASSETS/CURRENT LIABILITY

CURRENT ASSET 80 120
CURRENT LIABILITY 35 55
CURRENT RATIO 2.285714286 2.181818182

QUICK RATIO LIQUID ASSET/CURRENT LIABILITY

FY2019 FY2020
QUICK ASSET(Current Assets-Inventories) 40 70
CURRENT LIABILITY 35 55
QUICK RATIO 1.142857143 1.272727273

Cash Ratio (CASH & CASH EQUIVALNET)/CURRENT LIABILITY

FY2019 FY2020
CASH AND CASH EQUIVALENT 15 20
CURRENT LIABILITY 35 55
CASH RATIO 0.4285714286 0.3636363636

DEBTOR TURNOVER RATO NET CREDIT SALES/AVERAGE RECIEVABLES

FY2019 FY2020
NET SALES 1287 1406
AVERAGE RECIVEABLES 25 27.5
DEBTOR TURNOVER RATIO 51.48 51.12727273

INVENTORY TURNOVER RATIO COGS/AVERAGE INVENTORY

FY2019 FY2020
COGS 714 818
AVERAGE INVENTORY 40 45
INVENTORY TURNOVER RATIO 17.85 18.17777778

FIXED ASSETS TURNOVER RATIO NET SALES/AVERAGE FIXED ASSETS

FY2019 FY2020
NET SALES 1287 1406
AVERAGE FIXED ASSETS 170 185
FIXED ASSETS TURNOVER RATIO 7.570588235 7.6

GROSS PROFIT RATIO (GROSS PROFIT/NET SALES)*100

FY2019 FY2020
GROSS PROFIT 573 588
NET SALES 1287 1406
GROSS PROFIT RATIO 44.52214452 41.82076814

NET PROFIT RATIO (NET PROFT/NET SALES)*100

FY2019 FY2020
NET PROFIT 293 306
NET SALES 1287 1406
NET PROFT RATIO 22.76612277 21.76386913

RETURN ON CAPITAL EMPLOYED EBIT/CAPTIAL EMPLOYED

FY2019 FY2020
EBIT 343 368
CAPITAL EMPLOYED(Long term
215 265
liability+Shareholder's fund)
RETURN ON CAPITAL EMPLOYED 1.595348837 1.388679245

DEBT EQUITY RATIO DEBT/EQUITY

FY2019 FY2020
DEBT 55 45
EQUITY(Shareholder's Fund) 160 220
DEBT EQUITY RATIO 0.34375 0.2045454545

INTEREST COVERAGE RATIO EBIT/INTEREST EXPENSE

 FY2019 FY2020
EBIT 343 368
INTEREST EXPENSE 40 50
INTEREST COVERAGE RATIO 8.575 7.36
 RATIO FY2019 FY2020
CURRENT RATIO 2.285714 2.181818
QUICK RATIO 1.142857 1.272727
CASH RATIO 0.428571 0.363636
DEBTOR TURNOVER RATO 51.48 51.12727
INVENTORY TURNOVER RATIO 17.85 18.17778
FIXED ASSETS TURNOVER RATIO 7.570588 7.6
GROSS PROFIT RATIO 0.445221 0.418208
NET PROFIT RATIO 0.227661 0.217639
RETURN ON CAPITAL EMPLOYED 1.595349 1.388679
DEBT EQUITY RATIO 0.34375 0.204545
INTEREST COVERAGE RATIO 8.575 7.36
 Regression Analysis
12
Y X Y = a+bX
3.5 825 3.075863344
0.888932550
1 215 10
5
4 1070 3.954220794
2 550 2.089951921
1 480 1.838992649 8
3 920 3.416450927
4.5 1350 4.95805788
6
1.5 325 1.28329712
3 670 2.520167815
5 1215 4.474064999 4
1500 5.495827747

2
INTERCEPT 0.118129074
0.003585132
SLOPE 449
0
CORRELATION 0.948942768 0 200 400 600 800 1000 1200 1400
s

Y = a+bX

00 1200 1400 1600

 Frequency Distribution
Create a spread sheet to classify 50 fixed integer number (varying between 300 to 400, generated at random) accoring to following class intervals

Class Intervals Frequency

300-320
320-340
340-360
360-380
380 and above
SUM

Required:
Preaper a suitable chart for above frequency table
Compute the statistical parameters such as Maximum value, minimum value, on the basis of discrete data and frequency table
verify the sum of frequency is same as total number of values appearing in generated volatile data.
Caluculate Kurtoris and Skewness
Calculate Mean and standard deviation of discrete and frequency distribution

VAIRABLE RANDOM NUMBERS

Class Intervals
Lower Upper
342 328 358 323 314 Limit Limit
324 380 336 368 366 300 320
319 399 337 347 337 320 340
368 310 315 340 400 340 360
316 314 339 366 375 360 380
370 381 397 376 350 380 400
340 365 336 377 304 Total
356 349 339 347 348
309 392 362 308 338
364 390 346 344 358 Freq

Me
FIXED RANDOM NUMBERS Standard

358 344 300 369 394

340 393 352 321 385
321 328 361 382 336 1
359 319 389 357 381 2
378 378 397 318 398 3
327 338 388 324 321 4
357 331 345 340 367 5
367 385 397 312 339 7
341 302 303 375 325 9
373 397 313 388 318 10
ution
ng class intervals

Frequency Distribution Table

Frequency(F) Mid Point(X) f(X) X^2 FX^2
 8 310 2480 96100 768800
13 330 4290 108900 1415700
8 350 2800 122500 980000
8 370 2960 136900 1095200
13 390 5070 152100 1977300
50 1750 17600 616500 6237000

Frequency Distribution

Mean 352
Standard Deviation 28.91366459

Discrete Data

Mean 352.62
Standard Deviation 29.69234918
Largest Number 398
Smallest Number 300
Sum of numbers Greater then 340 10855
Count number Greater then 360 21
Kurtosis -1.297405057
-
Skewness 0.0289870249
5

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 PAYROLL-
Prepare a payroll statement of 15 employees on the basis of the schedule given below:

Employee Code Name Category Gender No. of children Distance travelled Basic Pay DA

Subject to following condition

Basic salary has to in between 20,000 to 80,000 in multiple of 10,000
HRA should be 30% of basic salary if basic salary is upto 30,000 otherwise 35%. Maximum of 7000
DA should be given as following:

Basic Salary upto DA% MIN

10000 20% 5000
50000 25% 10000
60000 30% 15000
60000+ 35% 20000

Distance has to in between 4km to 10km

Travelling allowance should be given as following: Rs.100 for every km travelled upto 7km otherwise Rs.200 per km but In any case, it cannot be more then
Assume number of children 0 to 5. Children education allowance Rs.100 per child per month, upto 2 children
Provident Fund is 10% of gross salary
Income tax is 30% of salary after PF
Round off the net salary upto 2 digits

Category Tiffin allowance Special Incentive

A 100 1000
B 200 2000
C 300 3000
Employee Code Name Category Gender No. of children Distance travelled Basic Pay DA
29011201 Shweta A Female 0 5 30000 10000
29011202 Jaani B Male 1 9 60000 18000
29011203 Amrit A Male 3 7 50000 12500
29011204 Mankirat C Male 0 8 40000 10000
29011205 Sandeep C Male 4 5 20000 10000
29011206 Jia B Female 1 7 50000 12500
29011207 Tanya A Female 1 5 70000 24500
29011208 Disha B Female 2 5 80000 28000
29011209 Salim A Male 3 7 40000 10000
29011210 Isha B Female 3 7 50000 12500
29011211 Parmish A Male 0 10 60000 18000
29011212 Sanam A Male 0 4 20000 10000
29011213 Arjun B Male 4 5 80000 28000
29011214 Jhalak B Female 5 8 70000 24500
29011215 Dia C Female 3 4 30000 10000
YROLL-1
HRA TA CEA Tiffin Allowance Special Incentive Gross Salary PF IT Net Salary

, it cannot be more then 1200

 HRA TA CEA Tiffin Allowance Special Incentive Gross Salary PF Income Tax Net Salary
7000 500 0 100 1000 48600 4860 13122 30618
7000 1200 1200 200 2000 89600 8960 24192 56448
7000 700 2400 100 1000 73700 7370 19899 46431
7000 1200 0 300 3000 61500 6150 16605 38745
6000 500 2400 300 3000 42200 4220 11394 26586
7000 700 1200 200 2000 73600 7360 19872 46368
7000 500 1200 100 1000 104300 10430 28161 65709
7000 500 2400 200 2000 120100 12010 32427 75663
7000 700 2400 100 1000 61200 6120 16524 38556
7000 700 2400 200 2000 74800 7480 20196 47124
7000 1200 0 100 1000 87300 8730 23571 54999
6000 400 0 100 1000 37500 3750 10125 23625
7000 500 2400 200 2000 120100 12010 32427 75663
7000 1200 2400 200 2000 107300 10730 28971 67599
7000 400 2400 300 3000 53100 5310 14337 33453
Random Numbers
50000
30000
80000
50000
70000
30000
50000
40000
60000
30000
40000
60000
20000
20000
60000
 Pa
Compute the basic salary of Mr.X for the financial year, 2011-12 (March 2011-Feb2012)
1. Allow the basic salary in the pay scale of Rs10,000 - 325 - 15200
2. DP is 50% of basic salary,
3. DA (as a %age of Basic + DA) is declared after every 6months in the month of April and October to be effective fro
4. Arrears of DA for the month of January to March and July to September are paid along with the salary of
DA rate wef Jan 2010 are given as below:

Dates DA Rates
Jan-10 0.35
Jul-10 0.45
Jan-11 0.51
Jul-11 0.58
Jan-12 0.65

5. Monthof increment (From Jan to Dec) is dependent on joining or promotion data

6. HRA is to be paid @30% of (Basic+DP) to whom HRA is payable
7. TA is to be paid @800pm if basisc salary is less then Rs.12000, otherwise TA is Rs.1000pm
8. CCA is to be paid @300pm is basic salary is less then Rs. 12000 otherwise the CCA is Rs.500 p.m
9. Gross salary is the sum of salary and all other allowances
10. Deductions: a) GPF 10%(basic+ DP) subject to maximum of Rs.2000, b) IT is 10% of Gross Salary
10. Net Salary is Gross Salary - Total Deductions

DP Yes
0.5 No

Month Basic Pay Date

Jan 1 10000 1-Mar-11
Feb 2 10325 1-Apr-11
Mar 3 10650 1-May-11
Apr 4 10975 1-Jun-11
May 5 11300 1-Jul-11
Jun 6 11625 1-Aug-11
Jul 7 11950 1-Sep-11
Aug 8 12275 1-Oct-11
Sep 9 12600 1-Nov-11
Oct 10 12925 1-Dec-11
Nov 11 13250 1-Jan-12
Dec 12 13575 1-Feb-12
13900
14225
14550
14875
15200
 Payroll-2
11-12 (March 2011-Feb2012)

nths in the month of April and October to be effective from January and July respective
y to September are paid along with the salary of

oining or promotion data

2000, otherwise TA is Rs.1000pm

12000 otherwise the CCA is Rs.500 p.m

m of Rs.2000, b) IT is 10% of Gross Salary

Data Validation

Basic Salary for March 2011 13575

Month of Increment 6
Amount of Increment 325
HRA payable Yes

Basic Pay DP DA HRA TA CCA

13575 6787.5 9163.125 6108.75 1000 500
13575 6787.5 14050.125 6108.75 1000 500
13575 6787.5 10384.875 6108.75 1000 500
13900 6950 10633.5 6255 1000 500
13900 6950 10633.5 6255 1000 500
13900 6950 10633.5 6255 1000 500
13900 6950 10633.5 6255 1000 500
13900 6950 16471.5 6255 1000 500
13900 6950 12093 6255 1000 500
13900 6950 12093 6255 1000 500
13900 6950 12093 6255 1000 500
13900 6950 12093 6255 1000 500
Gross salary GPF Income tax Total Deductions Net Salary
37134.375 2036.25 3713 5749.25 31385
42021.375 2036.25 4202 6238.25 35783
38356.125 2036.25 3836 5872.25 32484
39238.5 2085 3924 6009 33230
39238.5 2085 3924 6009 33230
39238.5 2085 3924 6009 33230
39238.5 2085 3924 6009 33230
45076.5 2085 4508 6593 38484
40698 2085 4070 6155 34543
40698 2085 4070 6155 34543
40698 2085 4070 6155 34543
40698 2085 4070 6155 34543
 Deprecition-1
Prepare a generalised Depreciation schedule with the given information:

Depreciation Schedule

Cost of Machinery 2000000

Life of an asset 1-40 years
Esitmated Scrap Value 200000
Month of installation 1-12 Months
Method of Depreciation SLN,DB

Depreciation Schedule Method

Cost of Machinery 2000000 SLN

Life of an asset 40 WDV
Esitmated Scrap Value 200000
Month of installation 9
Method of Depreciation SLN

S.No. Opening Balance Depreciation Closing Balance

1 2000000 $33,750.00 $1,966,250.00
2 ₹ 1,966,250.00 45000.00 ₹ 1,921,250.00
3 ₹ 1,921,250.00 45000.00 ₹ 1,876,250.00
 4 ₹ 1,876,250.00 45000.00 ₹ 1,831,250.00
5 ₹ 1,831,250.00 45000.00 ₹ 1,786,250.00
6 ₹ 1,786,250.00 45000.00 ₹ 1,741,250.00
7 ₹ 1,741,250.00 45000.00 ₹ 1,696,250.00
8 ₹ 1,696,250.00 45000.00 ₹ 1,651,250.00
9 ₹ 1,651,250.00 45000.00 ₹ 1,606,250.00
10 ₹ 1,606,250.00 45000.00 ₹ 1,561,250.00
11 ₹ 1,561,250.00 45000.00 ₹ 1,516,250.00
12 ₹ 1,516,250.00 45000.00 ₹ 1,471,250.00
13 ₹ 1,471,250.00 45000.00 ₹ 1,426,250.00
14 ₹ 1,426,250.00 45000.00 ₹ 1,381,250.00
15 ₹ 1,381,250.00 45000.00 ₹ 1,336,250.00
16 ₹ 1,336,250.00 45000.00 ₹ 1,291,250.00
17 ₹ 1,291,250.00 45000.00 ₹ 1,246,250.00
18 ₹ 1,246,250.00 45000.00 ₹ 1,201,250.00
19 ₹ 1,201,250.00 45000.00 ₹ 1,156,250.00
20 ₹ 1,156,250.00 45000.00 ₹ 1,111,250.00
21 ₹ 1,111,250.00 45000.00 ₹ 1,066,250.00
22 ₹ 1,066,250.00 45000.00 ₹ 1,021,250.00
23 ₹ 1,021,250.00 45000.00 ₹ 976,250.00
24 ₹ 976,250.00 45000.00 ₹ 931,250.00
25 ₹ 931,250.00 45000.00 ₹ 886,250.00
26 ₹ 886,250.00 45000.00 ₹ 841,250.00
27 ₹ 841,250.00 45000.00 ₹ 796,250.00
28 ₹ 796,250.00 45000.00 ₹ 751,250.00
29 ₹ 751,250.00 45000.00 ₹ 706,250.00
30 ₹ 706,250.00 45000.00 ₹ 661,250.00
31 ₹ 661,250.00 45000.00 ₹ 616,250.00
32 ₹ 616,250.00 45000.00 ₹ 571,250.00
33 ₹ 571,250.00 45000.00 ₹ 526,250.00
34 ₹ 526,250.00 45000.00 ₹ 481,250.00
35 ₹ 481,250.00 45000.00 ₹ 436,250.00
36 ₹ 436,250.00 45000.00 ₹ 391,250.00
37 ₹ 391,250.00 45000.00 ₹ 346,250.00
38 ₹ 346,250.00 45000.00 ₹ 301,250.00
39 ₹ 301,250.00 45000.00 ₹ 256,250.00
40 ₹ 256,250.00 45000.00 ₹ 211,250.00
-1

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 Depreciation-2
Prepare a generalised Depreciation schedule with the given information:

Depreciation Schedule

Cost of Machinery 2000000

Life of an asset 1-40 years
Esitmated Scrap Value 200000
Month of installation 1-12 Months
Method of Depreciation SLN,DB

Cost of Asset 2000000

Life of Asset 38
Estimated Value 200000
Month Used in First Year 11

S.NO SLN DB
1 $43,421.05 ₹ 108,166.67
2 $47,368.42 ₹ 111,618.17
3 $47,368.42 ₹ 105,032.69
4 $47,368.42 ₹ 98,835.77
5 $47,368.42 ₹ 93,004.46
 6 $47,368.42 ₹ 87,517.19
7 $47,368.42 ₹ 82,353.68
8 $47,368.42 ₹ 77,494.81
9 $47,368.42 ₹ 72,922.62
10 $47,368.42 ₹ 68,620.18
11 $47,368.42 ₹ 64,571.59
12 $47,368.42 ₹ 60,761.87
13 $47,368.42 ₹ 57,176.92
14 $47,368.42 ₹ 53,803.48
15 $47,368.42 ₹ 50,629.07
16 $47,368.42 ₹ 47,641.96
17 $47,368.42 ₹ 44,831.08
18 $47,368.42 ₹ 42,186.05
19 $47,368.42 ₹ 39,697.07
20 $47,368.42 ₹ 37,354.95
21 $47,368.42 ₹ 35,151.00
22 $47,368.42 ₹ 33,077.09
23 $47,368.42 ₹ 31,125.55
24 $47,368.42 ₹ 29,289.14
25 $47,368.42 ₹ 27,561.08
26 $47,368.42 ₹ 25,934.98
27 $47,368.42 ₹ 24,404.81
28 $47,368.42 ₹ 22,964.93
29 $47,368.42 ₹ 21,610.00
30 $47,368.42 ₹ 20,335.01
31 $47,368.42 ₹ 19,135.24
32 $47,368.42 ₹ 18,006.26
33 $47,368.42 ₹ 16,943.89
34 $47,368.42 ₹ 15,944.20
35 $47,368.42 ₹ 15,003.50
36 $47,368.42 ₹ 14,118.29
37 $47,368.42 ₹ 13,285.31
38 $47,368.42 ₹ 12,501.48
TOTAL $1,796,052.63 ₹ 1,800,612.04
ation-2

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 Loan Repayment
1 Principal amount 2500000 For 20years
2 Rate of interest 15%
3 Select the periodicity, as monthly, halfyearly, yearly, bimonthly, quarterly
4 Calculate the equated installment amount on basis of the given information
5 Loan repayment Schedule, Also calculate interest amount for the 6th installment and also calculate it’s principal amount
6 Total of interest of period/ installment 6th-15th
7 Total principal amount of 6th-15th installment

AMOUNT OF LOAN 2500000

RATE OF INTEREST 0.15
EFFECTIVE RATE OF INTEREST 0.0375
PERIOD OF LOAN 20 years
NUMBER OF INSTALLMENT 80
PERIODICITY Qarterly 4
INSTALLMENT ₹ 98,954.60

SOLUTION S.no Opening balance

1 2500000
Interest amount(6th Installment) ₹ 92,698.15 2 2,494,795.40
Principal amount(6th installment) ₹ 6,256.45 3 2,489,395.62
Total of interest(6th-15th installment) 915295.47 4 2,483,793.36
Total of principle(6th-15th installment) 74250.56 5 2,477,981.00
6 2,471,950.69
7 2,465,694.24
 8 2,459,203.17
9 2,452,468.69
10 2,445,481.66
11 2,438,232.62
12 2,430,711.74
13 2,422,908.83
14 2,414,813.30
15 2,406,414.20
16 2,397,700.13
17 2,388,659.28
18 2,379,279.40
19 2,369,547.78
20 2,359,451.22
21 2,348,976.04
22 2,338,108.04
23 2,326,832.48
24 2,315,134.10
25 2,302,997.03
26 2,290,404.81
27 2,277,340.39
28 2,263,786.05
29 2,249,723.43
30 2,235,133.45
31 2,219,996.35
32 2,204,291.62
33 2,187,997.95
34 2,171,093.27
35 2,153,554.66
36 2,135,358.36
37 2,116,479.70
38 2,096,893.08
39 2,076,571.97
40 2,055,488.82
41 2,033,615.05
42 2,010,921.01
43 1,987,375.94
44 1,962,947.94
45 1,937,603.88
46 1,911,309.43
47 1,884,028.93
48 1,855,725.41
49 1,826,360.51
50 1,795,894.43
51 1,764,285.87
52 1,731,491.98
53 1,697,468.33
54 1,662,168.79
55 1,625,545.52
56 1,587,548.87
57 1,548,127.35
58 1,507,227.52
59 1,464,793.95
60 1,420,769.12
61 1,375,093.36
62 1,327,704.76
63 1,278,539.09
64 1,227,529.70
65 1,174,607.46
66 1,119,700.64
67 1,062,734.81
68 1,003,632.77
69 942,314.39
70 878,696.58
71 812,693.10
72 744,214.49
73 673,167.93
74 599,457.12
75 522,982.16
76 443,639.39
77 361,321.26
 78 275,916.21
79 187,308.47
80 95,377.93

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yment-1

Periodicity No.of payments

Monthly 12
Qarterly 4
Semi Annualy 2
Yearly 1

Interest Installment Closing balance

93750 ₹ 98,954.60 2,494,795.40
93554.82741 ₹ 98,954.60 2,489,395.62
93352.33584 ₹ 98,954.60 2,483,793.36
93142.25084 ₹ 98,954.60 2,477,981.00
92924.28765 ₹ 98,954.60 2,471,950.69
92698.15084 ₹ 98,954.60 2,465,694.24
92463.5339 ₹ 98,954.60 2,459,203.17
92220.11883 ₹ 98,954.60 2,452,468.69
91967.57569 ₹ 98,954.60 2,445,481.66
91705.56219 ₹ 98,954.60 2,438,232.62
91433.72317 ₹ 98,954.60 2,430,711.74
91151.6902 ₹ 98,954.60 2,422,908.83
90859.08099 ₹ 98,954.60 2,414,813.30
90555.49893 ₹ 98,954.60 2,406,414.20
90240.53254 ₹ 98,954.60 2,397,700.13
89913.75492 ₹ 98,954.60 2,388,659.28
89574.72313 ₹ 98,954.60 2,379,279.40
89222.97766 ₹ 98,954.60 2,369,547.78
88858.04172 ₹ 98,954.60 2,359,451.22
88479.42069 ₹ 98,954.60 2,348,976.04
88086.60138 ₹ 98,954.60 2,338,108.04
87679.05133 ₹ 98,954.60 2,326,832.48
87256.21816 ₹ 98,954.60 2,315,134.10
86817.52875 ₹ 98,954.60 2,302,997.03
86362.38848 ₹ 98,954.60 2,290,404.81
85890.18046 ₹ 98,954.60 2,277,340.39
85400.26463 ₹ 98,954.60 2,263,786.05
84891.97696 ₹ 98,954.60 2,249,723.43
84364.6285 ₹ 98,954.60 2,235,133.45
83817.50447 ₹ 98,954.60 2,219,996.35
83249.8633 ₹ 98,954.60 2,204,291.62
82660.93557 ₹ 98,954.60 2,187,997.95
82049.92306 ₹ 98,954.60 2,171,093.27
81415.99758 ₹ 98,954.60 2,153,554.66
80758.2999 ₹ 98,954.60 2,135,358.36
80075.93855 ₹ 98,954.60 2,116,479.70
79367.98865 ₹ 98,954.60 2,096,893.08
78633.49063 ₹ 98,954.60 2,076,571.97
77871.44894 ₹ 98,954.60 2,055,488.82
77080.83068 ₹ 98,954.60 2,033,615.05
76260.56423 ₹ 98,954.60 2,010,921.01
75409.5378 ₹ 98,954.60 1,987,375.94
74526.59787 ₹ 98,954.60 1,962,947.94
73610.54769 ₹ 98,954.60 1,937,603.88
72660.14564 ₹ 98,954.60 1,911,309.43
71674.1035 ₹ 98,954.60 1,884,028.93
70651.08479 ₹ 98,954.60 1,855,725.41
69589.70288 ₹ 98,954.60 1,826,360.51
68488.51914 ₹ 98,954.60 1,795,894.43
67346.04101 ₹ 98,954.60 1,764,285.87
66160.71996 ₹ 98,954.60 1,731,491.98
64930.94936 ₹ 98,954.60 1,697,468.33
63655.06237 ₹ 98,954.60 1,662,168.79
62331.32961 ₹ 98,954.60 1,625,545.52
60957.95688 ₹ 98,954.60 1,587,548.87
59533.08266 ₹ 98,954.60 1,548,127.35
58054.77567 ₹ 98,954.60 1,507,227.52
56521.03216 ₹ 98,954.60 1,464,793.95
54929.77327 ₹ 98,954.60 1,420,769.12
53278.84218 ₹ 98,954.60 1,375,093.36
51566.00116 ₹ 98,954.60 1,327,704.76
49788.92861 ₹ 98,954.60 1,278,539.09
47945.21584 ₹ 98,954.60 1,227,529.70
46032.36384 ₹ 98,954.60 1,174,607.46
44047.77989 ₹ 98,954.60 1,119,700.64
41988.77404 ₹ 98,954.60 1,062,734.81
39852.55547 ₹ 98,954.60 1,003,632.77
37636.22871 ₹ 98,954.60 942,314.39
35336.78969 ₹ 98,954.60 878,696.58
32951.12171 ₹ 98,954.60 812,693.10
30475.99118 ₹ 98,954.60 744,214.49
27908.04325 ₹ 98,954.60 673,167.93
25243.79728 ₹ 98,954.60 599,457.12
22479.64208 ₹ 98,954.60 522,982.16
19611.83107 ₹ 98,954.60 443,639.39
16636.47714 ₹ 98,954.60 361,321.26
13549.54744 ₹ 98,954.60 275,916.21
10346.85787 ₹ 98,954.60 187,308.47
7024.067446 ₹ 98,954.60 95,377.93
3576.67238 ₹ 98,954.60 0.00
 Loan Repayment
Mr. Raunaq has taken a loan of Rs.800000 from a bank for a period of 9years. Prepare a generalised loan sheet to reflect the loan re
monthly/quarterly/yearly installments. The bank charges interst based on the nature and time of loan. The

Interest Rate
Period of Nature of Loan
loan General Home
7 7% 8%
8 8% 9%
9 8.50% 9.20%
10 8.20% 9%
11 8.70% 9.70%
12 9% 10%

Amount of Loan 800000 Monthly 12

Loan type General Quarterly 4
Period of Payments 12 years Yearly 1
Rate of Interest 9%
Periodicity Monthly 12
Effective Rate of interest 0.0075
Number of Installments 144
Installment Amount ₹ 9,104.25
 S.NO. OPENING BALANCE INTEREST INSTALLMENT
1 800000 6000 ₹ 9,104.25
2 796,895.75 5976.718158 ₹ 9,104.25
3 793,768.23 5953.261703 ₹ 9,104.25
4 790,617.24 5929.629324 ₹ 9,104.25
5 787,442.63 5905.819702 ₹ 9,104.25
6 784,244.20 5881.831508 ₹ 9,104.25
7 781,021.79 5857.663402 ₹ 9,104.25
8 777,775.20 5833.314036 ₹ 9,104.25
9 774,504.27 5808.782049 ₹ 9,104.25
10 771,208.81 5784.066073 ₹ 9,104.25
11 767,888.63 5759.164727 ₹ 9,104.25
12 764,543.55 5734.07662 ₹ 9,104.25
13 761,173.38 5708.800353 ₹ 9,104.25
14 757,777.94 5683.334514 ₹ 9,104.25
15 754,357.02 5657.677681 ₹ 9,104.25
16 750,910.46 5631.828422 ₹ 9,104.25
17 747,438.04 5605.785293 ₹ 9,104.25
18 743,939.58 5579.546841 ₹ 9,104.25
19 740,414.88 5553.111601 ₹ 9,104.25
20 736,863.75 5526.478096 ₹ 9,104.25
21 733,285.98 5499.64484 ₹ 9,104.25
22 729,681.38 5472.610334 ₹ 9,104.25
23 726,049.74 5445.37307 ₹ 9,104.25
24 722,390.87 5417.931526 ₹ 9,104.25
25 718,704.56 5390.284171 ₹ 9,104.25
26 714,990.59 5362.42946 ₹ 9,104.25
27 711,248.78 5334.365839 ₹ 9,104.25
28 707,478.90 5306.091741 ₹ 9,104.25
29 703,680.75 5277.605588 ₹ 9,104.25
30 699,854.11 5248.905788 ₹ 9,104.25
31 695,998.77 5219.990739 ₹ 9,104.25
32 692,114.51 5190.858828 ₹ 9,104.25
33 688,201.12 5161.508427 ₹ 9,104.25
34 684,258.39 5131.937899 ₹ 9,104.25
35 680,286.08 5102.145591 ₹ 9,104.25
36 676,283.98 5072.129841 ₹ 9,104.25
37 672,251.86 5041.888973 ₹ 9,104.25
38 668,189.51 5011.421299 ₹ 9,104.25
39 664,096.68 4980.725117 ₹ 9,104.25
40 659,973.16 4949.798713 ₹ 9,104.25
41 655,818.71 4918.640362 ₹ 9,104.25
42 651,633.11 4887.248323 ₹ 9,104.25
43 647,416.11 4855.620843 ₹ 9,104.25
44 643,167.49 4823.756158 ₹ 9,104.25
45 638,887.00 4791.652487 ₹ 9,104.25
46 634,574.41 4759.308039 ₹ 9,104.25
47 630,229.47 4726.721008 ₹ 9,104.25
48 625,851.94 4693.889573 ₹ 9,104.25
49 621,441.59 4660.811903 ₹ 9,104.25
50 616,998.15 4627.486151 ₹ 9,104.25
51 612,521.39 4593.910455 ₹ 9,104.25
52 608,011.06 4560.082942 ₹ 9,104.25
53 603,466.90 4526.001722 ₹ 9,104.25
54 598,888.65 4491.664893 ₹ 9,104.25
55 594,276.07 4457.070538 ₹ 9,104.25
56 589,628.90 4422.216725 ₹ 9,104.25
57 584,946.87 4387.101509 ₹ 9,104.25
58 580,229.72 4351.722928 ₹ 9,104.25
59 575,477.20 4316.079009 ₹ 9,104.25
60 570,689.03 4280.167759 ₹ 9,104.25
61 565,864.96 4243.987176 ₹ 9,104.25
62 561,004.70 4207.535238 ₹ 9,104.25
63 556,107.99 4170.80991 ₹ 9,104.25
64 551,174.55 4133.809143 ₹ 9,104.25
65 546,204.12 4096.53087 ₹ 9,104.25
66 541,196.40 4058.973009 ₹ 9,104.25
67 536,151.13 4021.133465 ₹ 9,104.25
68 531,068.02 3983.010124 ₹ 9,104.25
69 525,946.78 3944.600858 ₹ 9,104.25
70 520,787.14 3905.903523 ₹ 9,104.25
71 515,588.79 3866.915958 ₹ 9,104.25
72 510,351.46 3827.635985 ₹ 9,104.25
73 505,074.86 3788.061414 ₹ 9,104.25
74 499,758.67 3748.190032 ₹ 9,104.25
75 494,402.62 3708.019616 ₹ 9,104.25
76 489,006.39 3667.547921 ₹ 9,104.25
77 483,569.69 3626.772689 ₹ 9,104.25
78 478,092.22 3585.691642 ₹ 9,104.25
79 472,573.67 3544.302488 ₹ 9,104.25
80 467,013.72 3502.602914 ₹ 9,104.25
81 461,412.08 3460.590594 ₹ 9,104.25
82 455,768.42 3418.263182 ₹ 9,104.25
83 450,082.44 3375.618314 ₹ 9,104.25
84 444,353.81 3332.65361 ₹ 9,104.25
85 438,582.22 3289.36667 ₹ 9,104.25
86 432,767.34 3245.755078 ₹ 9,104.25
87 426,908.85 3201.8164 ₹ 9,104.25
88 421,006.42 3157.548181 ₹ 9,104.25
89 415,059.73 3112.94795 ₹ 9,104.25
90 409,068.43 3068.013218 ₹ 9,104.25
91 403,032.20 3022.741475 ₹ 9,104.25
92 396,950.69 2977.130195 ₹ 9,104.25
93 390,823.58 2931.176829 ₹ 9,104.25
94 384,650.51 2884.878814 ₹ 9,104.25
95 378,431.14 2838.233563 ₹ 9,104.25
96 372,165.13 2791.238473 ₹ 9,104.25
97 365,852.12 2743.89092 ₹ 9,104.25
98 359,491.77 2696.18826 ₹ 9,104.25
99 353,083.71 2648.12783 ₹ 9,104.25
100 346,627.59 2599.706947 ₹ 9,104.25
101 340,123.05 2550.922907 ₹ 9,104.25
102 333,569.73 2501.772987 ₹ 9,104.25
103 326,967.26 2452.254443 ₹ 9,104.25
104 320,315.27 2402.364509 ₹ 9,104.25
105 313,613.39 2352.100401 ₹ 9,104.25
106 306,861.24 2301.459312 ₹ 9,104.25
107 300,058.46 2250.438415 ₹ 9,104.25
108 293,204.65 2199.034862 ₹ 9,104.25
109 286,299.44 2147.245781 ₹ 9,104.25
110 279,342.44 2095.068283 ₹ 9,104.25
111 272,333.26 2042.499453 ₹ 9,104.25
112 265,271.51 1989.536357 ₹ 9,104.25
113 258,156.81 1936.176038 ₹ 9,104.25
114 250,988.74 1882.415517 ₹ 9,104.25
115 243,766.91 1828.251791 ₹ 9,104.25
116 236,490.91 1773.681838 ₹ 9,104.25
117 229,160.35 1718.70261 ₹ 9,104.25
118 221,774.81 1663.311038 ₹ 9,104.25
119 214,333.87 1607.504029 ₹ 9,104.25
120 206,837.13 1551.278467 ₹ 9,104.25
121 199,284.16 1494.631214 ₹ 9,104.25
122 191,674.55 1437.559106 ₹ 9,104.25
123 184,007.86 1380.058958 ₹ 9,104.25
124 176,283.67 1322.127558 ₹ 9,104.25
125 168,501.56 1263.761673 ₹ 9,104.25
126 160,661.07 1204.958044 ₹ 9,104.25
127 152,761.78 1145.713387 ₹ 9,104.25
128 144,803.25 1086.024396 ₹ 9,104.25
129 136,785.03 1025.887737 ₹ 9,104.25
130 128,706.67 965.3000531 ₹ 9,104.25
131 120,567.73 904.2579617 ₹ 9,104.25
132 112,367.74 842.7580546 ₹ 9,104.25
133 104,106.25 780.7968982 ₹ 9,104.25
134 95,782.80 718.3710331 ₹ 9,104.25
135 87,396.93 655.4769741 ₹ 9,104.25
136 78,948.16 592.1112096 ₹ 9,104.25
137 70,436.03 528.2702018 ₹ 9,104.25
138 61,860.05 463.9503866 ₹ 9,104.25
139 53,219.76 399.1481726 ₹ 9,104.25
140 44,514.66 333.8599421 ₹ 9,104.25
141 35,744.27 268.0820499 ₹ 9,104.25
142 26,908.11 201.8108235 ₹ 9,104.25
143 18,005.68 135.0425628 ₹ 9,104.25
144 9,036.47 67.77354025 ₹ 9,104.25

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yment-2
sheet to reflect the loan repayment of loan assuming the loan can be repaid in equal
ure and time of loan. The rate of interst is charges as follow

General Interest Rate

Home Nature of Loan
Period of loan General Home
7 7% 8%
8 8% 9%
9 8.50% 9.20%
10 8.20% 9%
11 8.70% 9.70%
 12 9% 10%

CLOSING BALANCE
796,895.75
793,768.23
790,617.24
787,442.63
784,244.20
781,021.79
777,775.20
774,504.27
771,208.81
767,888.63
764,543.55
761,173.38
757,777.94
754,357.02
750,910.46
747,438.04
743,939.58
740,414.88
736,863.75
733,285.98
729,681.38
726,049.74
722,390.87
718,704.56
714,990.59
711,248.78
707,478.90
703,680.75
699,854.11
695,998.77
692,114.51
688,201.12
684,258.39
680,286.08
676,283.98
672,251.86
668,189.51
664,096.68
659,973.16
655,818.71
651,633.11
647,416.11
643,167.49
638,887.00
634,574.41
630,229.47
625,851.94
621,441.59
616,998.15
612,521.39
608,011.06
603,466.90
598,888.65
594,276.07
589,628.90
584,946.87
580,229.72
575,477.20
570,689.03
565,864.96
561,004.70
556,107.99
551,174.55
546,204.12
541,196.40
536,151.13
531,068.02
525,946.78
520,787.14
515,588.79
510,351.46
505,074.86
499,758.67
494,402.62
489,006.39
483,569.69
478,092.22
472,573.67
467,013.72
461,412.08
455,768.42
450,082.44
444,353.81
438,582.22
432,767.34
426,908.85
421,006.42
415,059.73
409,068.43
403,032.20
396,950.69
390,823.58
384,650.51
378,431.14
372,165.13
365,852.12
359,491.77
353,083.71
346,627.59
340,123.05
333,569.73
326,967.26
320,315.27
313,613.39
306,861.24
300,058.46
293,204.65
286,299.44
279,342.44
272,333.26
265,271.51
258,156.81
250,988.74
243,766.91
236,490.91
229,160.35
221,774.81
214,333.87
206,837.13
199,284.16
191,674.55
184,007.86
176,283.67
168,501.56
160,661.07
152,761.78
144,803.25
136,785.03
128,706.67
120,567.73
112,367.74
104,106.25
95,782.80
87,396.93
78,948.16
70,436.03
61,860.05
53,219.76
44,514.66
35,744.27
26,908.11
18,005.68
9,036.47
0.00