PATCHOULI: annexure-VII
REPAYMENT OF TERM LOAN
Term Loan - Rs.66.00
thousand
Moratorium - 12
Months
Repayment - 5
Years
Gestation Period - 6
Months
Installment Amount - Rs.10.12
thousand
Installment Nos. - 11
Interest Rate - 12%
(Rs. In thousand)
|
Year |
Principal Amount |
Installment |
Outstanding |
Interest |
|
|
Half |
Yearly |
||||
|
Year 0 |
66.00 |
0.00 |
66.00 |
3.96 |
3.96 |
|
1 |
|
0.00 |
|
|
|
|
2 |
|
|
|
|
|
|
Year 1 |
66.00 |
0.00 |
66.00 |
- |
7.92 |
|
1 |
|
6.00 |
|
|
|
|
2 |
|
|
60.00 |
3.60 |
6.84 |
|
Year 2 |
60.00 |
6.00 |
54.0 |
3.24 |
|
|
1 |
54.00 |
6.00 |
48.00 |
2.88 |
5.40 |
|
2 |
|
|
|
|
|
|
Year 3 |
48.00 |
6.00 |
42.00 |
2.52 |
3.96 |
|
1 |
42.00 |
6.00 |
36.00 |
2.16 |
|
|
2 |
|
|
|
|
|
|
Year 4 |
36.00 |
6.00 |
30.00 |
1.80 |
2.52 |
|
1 |
30.00 |
6.00 |
24.00 |
1.44 |
|
|
2 |
|
|
|
|
|
|
Year 5 |
24.00 |
6.00 |
18.00 |
1.08 |
1.08 |
|
1 |
18.00 |
6.00 |
12.00 |
0.72 |
|
|
2 |
|
|
|
|
|
|
Year 6 |
12.00 |
6.00 |
6.00 |
0.36 |
0.00 |
|
1 |
6.00 |
6.00 |
0.00 |
0.00 |
|
|
2 |
|
|
|
|
|
|
|
|
66.00 |
|
|
|
annexure-VII(A)
REPAYMENT SCHEDULE
(Rs. in thousand)
|
Particulars |
Year 1 |
Year 2 |
Year 3 |
|
Net Accruals
|
50.86 |
60.40 |
60.40 |
|
Interest
Added Back |
|
|
|
|
Loan-
Balance at Year End |
60.00 |
48.00 |
36.00 |
|
Bank Loan |
60.00 |
48.00 |
36.00 |
|
Repayment
(6years, half yearly) |
13.92 |
18.84 |
17.40 |
|
Principal |
6.00 |
12.00 |
12.00 |
|
Bank Loan |
6.00 |
12.00 |
12.00 |
|
Interest |
7.92 |
6.84 |
5.40 |
|
Bank Loan |
7.92 |
6.84 |
5.40 |
|
Net
Surplus |
36.94 |
41.56 |
43.00 |