BER: annexure-VII
REPAYMENT OF TERM LOAN
Term
Loan - Rs.30.00 thousand
Moratorium - 12 Months
Repayment - 5 Years
Gestation
Period - 6 Months
Installment
Amount - Rs.2.73 thousand
Installment
Nos. - 11
Interest
Rate - 12%
(Rs. In thousand)
|
Year |
Principal Amount |
Installment |
Outstanding |
Interest |
|
|
Half |
Yearly |
||||
|
Year 0 |
30.00 |
0 |
30.00 |
1.80 |
1.80 |
|
1 |
|
0 |
|
|
|
|
2 |
|
|
|
|
|
|
Year 1 |
30.00 |
0.00 |
30.00 |
|
3.60 |
|
1 |
|
2.73 |
|
|
|
|
2 |
|
|
27.27 |
1.64 |
3.11 |
|
Year 2 |
27.27 |
2.73 |
24.54 |
1.47 |
|
|
1 |
24.54 |
2.73 |
21.81 |
1.31 |
2.45 |
|
2 |
|
|
|
|
|
|
Year 3 |
21.81 |
2.73 |
19.08 |
1.14 |
1.80 |
|
1 |
19.08 |
2.73 |
16.35 |
0.98 |
|
|
2 |
|
|
|
|
|
|
Year 4 |
16.35 |
2.73 |
13.62 |
0.82 |
1.14 |
|
1 |
13.62 |
2.73 |
10.89 |
0.65 |
|
|
2 |
|
|
|
|
|
|
Year 5 |
10.89 |
2.73 |
8.16 |
0.49 |
0.49 |
|
1 |
8.16 |
2.73 |
5.43 |
0.33 |
|
|
2 |
|
|
|
|
|
|
Year 6 |
5.43 |
2.73 |
2.70 |
0.16 |
0.00 |
|
1 |
2.70 |
2.70 |
0.00 |
0.00 |
|
|
2 |
|
|
|
|
|
|
|
|
30.00 |
|
|
|
annexure-VII (A)
REPAYMENT SCHEDULE
(Rs. in thousand)
|
Particulars |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
|
Net Accruals
|
9.95 |
17.15 |
24.00 |
31.70 |
37.70 |
|
Interest
Added Back |
|
|
|
|
|
|
Loan-
Balance at Year End |
30.00 |
24.54 |
19.08 |
13.62 |
8.16 |
|
Bank Loan |
30.00 |
24.54 |
19.08 |
13.62 |
8.16 |
|
Repayment
(6years, half yearly) |
3.60 |
8.57 |
7.91 |
7.26 |
6.60 |
|
Principal |
0.00 |
5.46 |
5.46 |
5.46 |
5.46 |
|
Bank Loan |
0.00 |
5.46 |
5.46 |
5.46 |
5.46 |
|
Interest |
3.60 |
3.11 |
2.45 |
1.80 |
1.14 |
|
Bank Loan |
3.60 |
3.11 |
2.45 |
1.80 |
1.14 |
|
Net
Surplus |
6.35 |
8.59 |
16.09 |
24.45 |
31.10 |