MINT: annexure-VII
REPAYMENT OF TERM LOAN
Term Loan - Rs.50.40
thousand
Moratorium - 12
Months
Repayment - 5
Years
Gestation Period - 6
Months
Installment Amount - Rs.4.58
thousand
Installment Nos. - 11
Interest Rate - 12%
(Rs. In thousand)
|
Year |
Principal Amount |
Installment |
Outstanding |
Interest |
|
|
Half |
Yearly |
||||
|
Year 0 |
50.00 |
0.00 |
50.40 |
3.02 |
3.02 |
|
1 |
|
0.00 |
|
|
|
|
2 |
|
|
|
|
|
|
Year 1 |
50.40 |
0.00 |
50.40 |
|
6.05 |
|
1 |
|
4.58 |
|
|
|
|
2 |
|
|
45.82 |
2.75 |
5.22 |
|
Year 2 |
45.82 |
4.58 |
41.24 |
2.47 |
|
|
1 |
41.24 |
4.58 |
36.65 |
2.20 |
4.12 |
|
2 |
|
|
|
|
|
|
Year 3 |
36.65 |
4.58 |
32.07 |
1.92 |
3.02 |
|
1 |
32.07 |
4.58 |
27.49 |
1.65 |
|
|
2 |
|
|
|
|
|
|
Year 4 |
27.49 |
4.58 |
22.91 |
1.37 |
1.92 |
|
1 |
22.91 |
4.58 |
18.33 |
1.10 |
|
|
2 |
|
|
|
|
|
|
Year 5 |
18.33 |
4.58 |
13.75 |
0.82 |
0.82 |
|
1 |
13.75 |
4.58 |
9.16 |
0.55 |
|
|
2 |
|
|
|
|
|
|
Year 6 |
9.16 |
4.58 |
4.58 |
0.27 |
0.00 |
|
1 |
4.58 |
4.58 |
0.00 |
0.00 |
0.00 |
|
2 |
|
|
|
|
|
|
Year 7 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
1 |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
2 |
|
|
|
|
|
|
|
|
50.40 |
|
|
|
annexure-VII(A)
REPAYMENT SCHEDULE
(Rs. in thousand)
|
Particulars |
Year 1 |
Year 2 |
Year 3 |
|
Net Accruals
|
45.25 |
44.25 |
44.25 |
|
Interest
Added Back |
|
|
|
|
Loan-
Balance at Year End |
45.82 |
36.65 |
27.49 |
|
Bank Loan |
50.40 |
41.24 |
32.07 |
|
Repayment
(6years, half yearly) |
10.63 |
14.39 |
13.29 |
|
Principal |
4.58 |
9.16 |
9.16 |
|
Bank Loan |
0.00 |
9.16 |
9.16 |
|
Interest |
6.05 |
5.22 |
4.12 |
|
Bank Loan |
6.05 |
5.22 |
4.12 |
|
Net
Surplus |
34.62 |
29.86 |
30.96 |