CELERY: annexure-VII
 

REPAYMENT OF TERM LOAN

Term Loan - Rs.37.53 thousand

Moratorium - 12 Months

Repayment - 5 Years

Gestation Period - 6 Months

Installment Amount - Rs.3.41 thousand

Installment Nos. - 11

Interest Rate - 12%

(Rs. In thousand)

Year	Principal Amount	Installment	Outstanding	Interest
				Half	Yearly
Year 0	37.53	0	37.53	2.25	2.25
1		0
2
Year 1	37.53	0.00	37.53		4.50
1		3.41
2			34.12	2.05	3.89
Year 2	34.12	3.41	30.71	1.84
1	30.71	3.41	27.29	1.64	3.07
2
Year 3	27.29	3.41	23.88	1.43	2.25
1	23.88	3.41	20.47	1.23
2
Year 4	20.47	3.41	17.06	1.02	1.43
1	17.06	3.41	13.65	0.82
2
Year 5	13.65	3.41	10.24	0.61	0.61
1	10.24	3.41	6.82	0.41
2
Year 6	6.82	3.41	3.41	0.20	0.00
1	3.41	3.41	0.00	0.00
2
		37.53

annexure-VII(A)

REPAYMENT SCHEDULE

(Rs. in thousand)

Particulars	Year 1	Year 2	Year 3
Net Accruals	21.40	26.05	22.55
Interest Added Back
Loan- Balance at Year End	34.12	27.29	20.47
Bank Loan	37.53	30.71	23.88
Repayment (6years, half yearly)	7.92	10.71	9.89
Principal	3.41	6.82	6.82
Bank Loan	0.00	6.82	6.82
Interest	4.50	3.89	3.07
Bank Loan	4.50	3.89	3.07
Net Surplus	13.49	15.34	12.66