InCalc — Compound Interest Suite

InCalc Compound Interest Suite

InCalc — Deposit & Investment

—

—

Product Type

Parameters

Initial deposit—

Monthly contribution—

Contribution frequency

Annual interest rate—

Time horizon—

Compounding frequency

Adjustments

Excise duty (ED)

Source tax on interest

TIN status

Principal vs Interest

——

—

Gross return

—

Net return

—

Yield loss

—

Future value (gross)—Before deductions

Interest earned—Gross interest

Total invested—Principal + contributions

Effective annual yield—After compounding

Total excise duty—Annual ED deducted

Source tax withheld—10% on interest

Net receivable—After excise duty & source tax

Growth over time

Net balance Gross balance Invested

Year-by-year breakdown

Year	Opening	Contrib	Interest	ED	Tax	Net Close

What this means for you · আপনার জন্য এর মানে কী

—
—
—

InCalc — Loan & EMI Report

—

—

Loan Parameters

Loan amount—

Annual interest rate—

Loan tenure—

Prepayment — optional

Extra monthly payment—

Effective Rate Analysis

Advance EMI deposits0

Cash security amount—

Cash security rate—

Cash security tenor—

Auto-matched to loan tenure

Principal vs Interest cost

——

—

Monthly EMI—Standard payment

Total interest—Cost of borrowing

Total repayment—Principal + interest

Interest ratio—Interest as % of loan

Prepayment savings

—

Interest saved

—

Months saved

—

New payoff

Payoff curve

Principal Interest Balance With prepay

Amortization schedulescroll ↓

Year	Opening	Principal	Interest	Closing

Scenario A

Deposit amount—

Annual rate—

Years—

Scenario B

Deposit amount—

Annual rate—

Years—

Scenario A — Result

Scenario B — Result

Side-by-side projection —

Scenario A Scenario B

InCalc — DSCR / DBR

—

—

DSCR

—

DBR (After Loan)

—

DBR (Before Loan)

—

Effective Rate

—

Monthly Installment

—

EBITDA

—

Obligation Mix

DSCR Gauge

—

01.01.53.0+

Monthly: Funds vs Obligations

DSCR Income Statement

Sales (Yearly)

Less: COGS

Gross Profit—

Less: G&A Expenses

Net Operating Profit—

Add: Depreciation

EBITDA—

Existing Financial Obligations

Short-Term Obligations

Bank	Loan Amt	Int Rate	Utilization	Annual Burden
Total Short-Term				—

Long-Term Obligations

Bank	Loan Amt	EMI	Annual Burden
Total Long-Term			—

Proposed Obligation

Proposed (EMI × 12)—

Total Financial Obligation—

Monthly Summary

Daily Sales as × Monthly Obligation—

Total Available Funds (Monthly)—

Total Obligations (Monthly)—

Previous Obligations (Monthly)—

% Increase of Monthly Obligation—

Proposed Loan Parameters

Loan Amount

Tenor (months)

Interest Rate (%)

Monthly Installment (EMI)—

Processing Fee (1%)—

Cash Security (FDR)

Cash Security Amount

FDR Interest Rate (%)

Pool Rate (%)

FV @ FDR Cost—

FV @ Pool Rate—

Cost Savings—

Advance Installments

No. of Advance Installments

Loan Deposit—

Effective Rate (IRR)

IRR (without savings)—

IRR (with savings) = Effective Rate—

▶ IRR Cash Flow Schedule

Month	Cash Flow	Savings Adj.	CF (with Savings)

📄

Drop Settlement IRR Excel here

or click to browse · .xlsx format

or

Download Sample Format

Client Name

Account Number

Loan Amount

Disbursement Date

Receivables & Adjustments

Particulars	Receivable	Adjustment	Waiver
Total	0	0	0

Payment Schedule

SL	Date	Amount

Settlement Entry

Settlement Date

Collection for IRR (excl. Excise Duty & Legal Fee)—