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

automatically depending on the amount paid in a particular instalment

Loan amount
Recovery
Required irr

Period Installment PV Factor

1 ₹2,649.39 ₹0.98
2 ₹1,000.00 ₹0.97
3 ₹500.00 ₹0.95
4 ₹500.00 ₹0.94
5 ₹1,000.00 ₹0.92
6 ₹2,649.39 ₹0.91
7 ₹2,649.39 ₹0.89
8 ₹2,649.39 ₹0.88
9 ₹2,649.39 ₹0.86
10 ₹2,649.39 ₹0.85
11 ₹2,649.39 ₹0.83
12 ₹2,649.39 ₹0.82
13 ₹0.00 ₹0.81
14 ₹0.00 ₹0.79
15 ₹0.00 ₹0.78
16 ₹0.00 ₹0.77
17 ₹2,649.39 ₹0.76
18 ₹2,649.39 ₹0.74
19 ₹2,649.39 ₹0.73
20 ₹2,649.39 ₹0.72
21 ₹2,649.39 ₹0.71
22 ₹2,649.39 ₹0.70
23 ₹2,649.39 ₹0.68
24 ₹2,649.39 ₹0.67
25 ₹2,649.39 ₹0.66
26 ₹2,649.39 ₹0.65
27 ₹100.00 ₹0.64
28 ₹100.00 ₹0.63
29 ₹2,649.39 ₹0.62
30 ₹2,649.39 ₹0.61
31 ₹2,649.39 ₹0.60
32 ₹500.00 ₹0.59
33 ₹300.00 ₹0.58
34 ₹2,649.39 ₹0.57
35 ₹2,649.39 ₹0.56
36 ₹2,649.39 ₹0.55
37 ₹2,649.39 ₹0.54
38 ₹2,649.39 ₹0.53
39 ₹2,649.39 ₹0.52
40 ₹0.00 ₹0.52
41 ₹0.00 ₹0.51
42 ₹0.00 ₹0.50
43 ₹2,649.39 ₹0.49
44 ₹2,649.39 ₹0.48
45 ₹1,000.00 ₹0.48
46 ₹2,000.00 ₹0.47
47 ₹1,500.00 ₹0.46
48 ₹2,649.39 ₹0.45
49 ₹2,649.39 ₹0.44
50 ₹2,649.39 ₹0.44
51 ₹2,649.39 ₹0.43
52 ₹2,649.39 ₹0.42
53 ₹2,649.39 ₹0.42
54 ₹2,649.39 ₹0.41
55 ₹2,649.39 ₹0.40
56 ₹2,649.39 ₹0.40
57 ₹2,649.39 ₹0.39
58 ₹2,649.39 ₹0.38
59 ₹2,649.39 ₹0.38

60 ₹41,838.38 ₹0.37

Amount to be
recovered
of loan where the future recovery gets adjusted
amount paid in a particular instalment

100000
60 months
0.2 EMI ₹2,649.39

Installment Pattern PV of Installment Cross-Check

-100000
₹2.65 2.61 ₹3,027.63
₹1.00 0.97 ₹1,142.76
₹0.50 0.48 ₹571.38
₹0.50 0.47 ₹571.38
₹1.00 0.92 ₹1,142.76
₹2.65 2.40 ₹3,027.63
₹2.65 2.36 ₹3,027.63
₹2.65 2.32 ₹3,027.63
₹2.65 2.28 ₹3,027.63
₹2.65 2.25 ₹3,027.63
₹2.65 2.21 ₹3,027.63
₹2.65 2.17 ₹3,027.63
₹0.00 0.00 ₹0.00
₹0.00 0.00 ₹0.00
₹0.00 0.00 ₹0.00
₹0.00 0.00 ₹0.00
₹2.65 2.00 ₹3,027.63
₹2.65 1.97 ₹3,027.63
₹2.65 1.94 ₹3,027.63
₹2.65 1.90 ₹3,027.63
₹2.65 1.87 ₹3,027.63
₹2.65 1.84 ₹3,027.63
₹2.65 1.81 ₹3,027.63
₹2.65 1.78 ₹3,027.63
₹2.65 1.75 ₹3,027.63
₹2.65 1.72 ₹3,027.63
₹0.10 0.06 ₹114.28
₹0.10 0.06 ₹114.28
₹2.65 1.64 ₹3,027.63
₹2.65 1.61 ₹3,027.63
 ₹2.65 1.59 ₹3,027.63
₹0.50 0.29 ₹571.38
₹0.30 0.17 ₹342.83
₹2.65 1.51 ₹3,027.63
₹2.65 1.49 ₹3,027.63
₹2.65 1.46 ₹3,027.63
₹2.65 1.44 ₹3,027.63
₹2.65 1.41 ₹3,027.63
₹2.65 1.39 ₹3,027.63
₹0.00 0.00 ₹0.00
₹0.00 0.00 ₹0.00
₹0.00 0.00 ₹0.00
₹2.65 1.30 ₹3,027.63
₹2.65 1.28 ₹3,027.63
₹1.00 0.48 ₹1,142.76
₹2.00 0.94 ₹2,285.53
₹1.50 0.69 ₹1,714.15
₹2.65 1.20 ₹3,027.63
₹2.65 1.18 ₹3,027.63
₹2.65 1.16 ₹3,027.63
₹2.65 1.14 ₹3,027.63
₹2.65 1.12 ₹3,027.63
₹2.65 1.10 ₹3,027.63
₹2.65 1.09 ₹3,027.63
₹2.65 1.07 ₹3,027.63
₹2.65 1.05 ₹3,027.63
₹2.65 1.03 ₹3,027.63
₹2.65 1.02 ₹3,027.63
₹2.65 1.00 ₹3,027.63

Amount to be received
at the end of the
₹41.84 15.52 ₹47,811.40 tenure.
87.5071258257

1142.7640784268 IRR 20.00%

 (1= Full Payment; 0= Default)
Period Principal Interest Installment Pattern Additional Payment
0
1 ₹982.72 1666.67 ₹2,649.39 1 0
2 ₹999.10 1650.29 ₹2,649.39 1 0
3 ₹1,015.75 1633.64 ₹2,649.39 0 0
4 ₹1,015.75 1633.64 ₹2,649.39 1 0
5 ₹1,032.68 1616.71 ₹2,649.39 1 0
6 ₹1,049.89 1599.50 ₹2,649.39 0 0
7 ₹1,049.89 1599.50 ₹2,649.39 1 0
8 ₹1,067.39 1582.00 ₹2,649.39 1 3000
9 ₹1,135.18 1514.21 ₹2,649.39 1 0
10 ₹1,154.10 1495.29 ₹2,649.39 1 0
11 ₹1,173.34 1476.05 ₹2,649.39 0 0
12 ₹1,173.34 1476.05 ₹2,649.39 1 0
13 ₹1,192.89 1456.50 ₹2,649.39 1 0
14 ₹1,212.77 1436.62 ₹2,649.39 1 0
15 ₹1,232.99 1416.40 ₹2,649.39 1 0
16 ₹1,253.54 1395.85 ₹2,649.39 0 0
17 ₹1,253.54 1395.85 ₹2,649.39 1 0
18 ₹1,274.43 1374.96 ₹2,649.39 1 0
19 ₹1,295.67 1353.72 ₹2,649.39 1 0
20 ₹1,317.26 1332.13 ₹2,649.39 1 0
21 ₹1,339.22 1310.17 ₹2,649.39 1 1000
22 ₹1,378.20 1271.18 ₹2,649.39 1 0
23 ₹1,401.17 1248.21 ₹2,649.39 0 0
24 ₹1,401.17 1248.21 ₹2,649.39 1 0
25 ₹1,424.53 1224.86 ₹2,649.39 1 0
26 ₹1,448.27 1201.12 ₹2,649.39 1 2000
27 ₹1,505.74 1143.65 ₹2,649.39 1 0
28 ₹1,530.84 1118.55 ₹2,649.39 1 0
29 ₹1,556.35 1093.04 ₹2,649.39 0 0
30 ₹1,556.35 1093.04 ₹2,649.39 1 0
31 ₹1,582.29 1067.10 ₹2,649.39 1 0
32 ₹1,608.66 1040.73 ₹2,649.39 1 5000
33 ₹1,718.80 930.58 ₹2,649.39 1 0
34 ₹1,747.45 901.94 ₹2,649.39 1 0
35 ₹1,776.58 872.81 ₹2,649.39 0 0
36 ₹1,776.58 872.81 ₹2,649.39 1 0
37 ₹1,806.18 843.20 ₹2,649.39 1 0
38 ₹1,836.29 813.10 ₹2,649.39 1 1500
39 ₹1,891.89 757.50 ₹2,649.39 1 0
40 ₹1,923.42 725.96 ₹2,649.39 0 0
41 ₹1,923.42 725.96 ₹2,649.39 1 0
42 ₹1,955.48 693.91 ₹2,649.39 1 0
43 ₹1,988.07 661.32 ₹2,649.39 1 0
44 ₹2,021.21 628.18 ₹2,649.39 0 0
45 ₹2,021.21 628.18 ₹2,649.39 1 0
46 ₹2,054.89 594.49 ₹2,649.39 1 0
47 ₹2,089.14 560.25 ₹2,649.39 0 0
48 ₹2,089.14 560.25 ₹2,649.39 1 1000
49 ₹2,140.63 508.76 ₹2,649.39 1 0
50 ₹2,176.31 473.08 ₹2,649.39 0 0
51 ₹2,176.31 473.08 ₹2,649.39 1 2000
52 ₹2,245.91 403.48 ₹2,649.39 1 0
53 ₹2,283.34 366.05 ₹2,649.39 0 0
54 ₹2,283.34 366.05 ₹2,649.39 1 0
55 ₹2,321.40 327.99 ₹2,649.39 1 0
56 ₹2,360.09 289.30 ₹2,649.39 0 0
57 ₹2,360.09 289.30 ₹2,649.39 1 0
58 ₹2,399.42 249.97 ₹2,649.39 1 3000
59 ₹2,489.41 159.98 ₹2,649.39 1 0

60 ₹2,530.90 118.49 ₹2,649.39 1 0

 Balance
100000
₹99,017.28
₹98,018.18
₹98,018.18
₹97,002.43
₹95,969.74
₹95,969.74
₹94,919.85
₹90,852.46
₹89,717.28
₹88,563.18
₹88,563.18
₹87,389.84
₹86,196.95
₹84,984.18
₹83,751.20
₹83,751.20
₹82,497.66
₹81,223.23
₹79,927.57
₹78,610.30
₹76,271.09
₹74,892.88
₹74,892.88
₹73,491.71
₹72,067.18
₹68,618.91
₹67,113.17
₹65,582.34
₹65,582.34
₹64,025.99
₹62,443.70
₹55,835.04
₹54,116.24
₹52,368.79
₹52,368.79
₹50,592.21
₹48,786.03
₹45,449.74
₹43,557.84
₹43,557.84
₹41,634.42
₹39,678.94
₹37,690.87
₹37,690.87
₹35,669.66
₹33,614.76
₹33,614.76
₹30,525.62
₹28,384.99
₹28,384.99
₹24,208.69
₹21,962.78
₹21,962.78
₹19,679.44
₹17,358.04
₹17,358.04
₹14,997.95
₹9,598.53
₹7,109.12

Amount to be received at
₹4,578.21 the end of the tenure.