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Construct a model for recovery of loan where the future recovery gets adjusted

automatically depending on the amount paid in a particular instalment

Loan amount
Recovery
Required irr
EMI

No of months INO Principal


0
60 1 982.72
59 2 999.10
58 3 1015.75
57 4 1032.68
56 5 1049.89
55 6 0.00
54 7 981.90
53 8 998.26
52 9 1014.90
51 10 1031.81
50 11 1049.01
49 12 1066.49
48 13 1084.27
47 14 1102.34
46 15 1120.71
45 16 1139.39
44 17 1158.38
43 18 0.00
42 19 1216.90
41 20 1237.18
40 21 1257.80
39 22 1278.77
38 23 1300.08
37 24 1321.75
36 25 1343.78
35 26 1047.05
34 27 1064.50
33 28 1082.25
32 29 1100.28
31 30 1118.62
30 31 0.00
29 32 1187.04
28 33 1206.82
27 34 1226.94
26 35 1247.39
25 36 1268.17
24 37 1289.31
23 38 1310.80
22 39 0.00
21 40 1408.38
20 41 1431.85
19 42 1455.72
18 43 1479.98
17 44 1504.64
16 45 979.19
15 46 0.00
14 47 1075.83
13 48 1093.76
12 49 1111.99
11 50 1130.52
10 51 1149.36
9 52 1168.52
8 53 1187.99
7 54 1207.79
6 55 1227.92
5 56 1248.39
4 57 1269.20
3 58 1290.35
2 59 1311.85
1 60 1333.72
overy gets adjusted
instalment

100000
60 months
0.2
2649.39

Interest Installment Additional Pattern Balance


100000
1666.67 2649.39 1 99017.28
1650.29 2649.39 1 98018.18
1633.64 2649.39 1 97002.43
1616.71 2649.39 95969.74
1599.50 2649.39 10000 Lumpsum 84919.85
0.00 0.00 Default 84919.85
1415.33 2397.23 1 83937.96
1398.97 2397.23 1 82939.69
1382.33 2397.23 1 81924.80
1365.41 2397.23 1 80892.98
1348.22 2397.23 1 79843.97
1330.73 2397.23 1 78777.48
1312.96 2397.23 1 77693.21
1294.89 2397.23 1 76590.87
1276.51 2397.23 1 75470.15
1257.84 2397.23 1 74330.76
1238.85 2397.23 1 73172.38
0.00 0.00 Default 73172.38
1219.54 2436.44 1 71955.48
1199.26 2436.44 1 70718.30
1178.64 2436.44 1 69460.50
1157.67 2436.44 1 68181.73
1136.36 2436.44 1 66881.65
1114.69 2436.44 1 65559.90
1092.67 2436.44 15000 Lumpsum 49216.13
820.27 1867.32 1 48169.07
802.82 1867.32 1 47104.57
785.08 1867.32 1 46022.32
767.04 1867.32 1 44922.04
748.70 1867.32 1 43803.42
0.00 0.00 Default 43803.42
730.06 1917.10 1 42616.38
710.27 1917.10 1 41409.56
690.16 1917.10 1 40182.62
669.71 1917.10 1 38935.24
648.92 1917.10 1 37667.06
627.78 1917.10 1 36377.75
606.30 1917.10 1 35066.95
0.00 0.00 Default 35066.95
584.45 1992.83 1 33658.57
560.98 1992.83 1 32226.72
537.11 1992.83 1 30771.00
512.85 1992.83 1 29291.03
488.18 1992.83 10000 Lumpsum 17786.38
296.44 1275.63 1 16807.19
0.00 0.00 Default 16807.19
280.12 1355.95 1 15731.36
262.19 1355.95 1 14637.60
243.96 1355.95 1 13525.62
225.43 1355.95 1 12395.10
206.58 1355.95 1 11245.73
187.43 1355.95 1 10077.21
167.95 1355.95 1 8889.22
148.15 1355.95 1 7681.43
128.02 1355.95 1 6453.50
107.56 1355.95 1 5205.12
86.75 1355.95 1 3935.92
65.60 1355.95 1 2645.57
44.09 1355.95 1 1333.72
22.23 1355.95 1 0.00