Let's Unravel Finance Together
Finance Professional with passion for equity research, valuations, and credit risk analysis.
Finance Professional with passion for equity research, valuations, and credit risk analysis.
GREETINGS! I'm just a humble learner on a journey through the world of finance and entrepreneurship. With a foundation in ECE from HITK, Kolkata, I'm now expanding my horizons as an MBA grad at TAPMI Manipal.
My curiosity has led me to explore areas like personal finance, derivatives trading, digital marketing, SEO, AI tools, prompt engineering and video editing. I've been fortunate to participate in various technical events and community programs, which have enriched my learning experience.
I'm an avid reader, always seeking to absorb new insights in my field. My dream? To make a meaningful impact in the fin/tech industry, driving both business growth and positive social change.
Will be joining Arcesium as a Finance Analyst, focusing on financial analysis, reporting, and strategic planning.
Part of the Bloomberg Championship Program with TAPMI Manipal, focusing on financial market analysis and Bloomberg Terminal expertise.
Led equity research initiatives, conducted in-depth analysis of companies, and provided investment recommendations.
Conducted secondary market research to identify customer pain points and refine client acquisition strategy. Designed ZAPIER workflow for content automation reducing manual work by up to 70% and cost by 83%. Conducted analysis on 7+ payment rails, selecting the optimal option.
CGPA: 6.18
CGPA: 8.71
Percentage: 65%
CGPA: 9.4
Successfully cleared CFA Level 1 examination, demonstrating proficiency in investment analysis, portfolio management, and ethics.
Mastered credit risk assessment techniques, portfolio management strategies, and risk mitigation frameworks.
Developed expertise in building DCF models for company valuation, forecasting, and investment analysis.
Selected for the Bloomberg Champion program, gaining advanced proficiency in Bloomberg Terminal and financial market analysis.
EMI is a fixed payment amount made by a borrower to a lender at a specified date each month. EMIs are calculated using the formula:
EMI = [P × r × (1 + r)^n]/[(1 + r)^n - 1]
Where:
P = Principal loan amount
r = Monthly interest rate
n = Number of monthly installments
| Payment No. | Date | EMI (₹) | Principal (₹) | Interest (₹) | Balance (₹) |
|---|---|---|---|---|---|
| 1 | Jun 2025 | ₹ 9,650 | ₹ 1,317 | ₹ 8,333 | ₹ 998,683 |
| 2 | Jul 2025 | ₹ 9,650 | ₹ 1,328 | ₹ 8,322 | ₹ 997,355 |
| 3 | Aug 2025 | ₹ 9,650 | ₹ 1,339 | ₹ 8,311 | ₹ 996,016 |
| 4 | Sept 2025 | ₹ 9,650 | ₹ 1,350 | ₹ 8,300 | ₹ 994,666 |
| 5 | Oct 2025 | ₹ 9,650 | ₹ 1,361 | ₹ 8,289 | ₹ 993,305 |
| 6 | Nov 2025 | ₹ 9,650 | ₹ 1,373 | ₹ 8,278 | ₹ 991,932 |
| 7 | Dec 2025 | ₹ 9,650 | ₹ 1,384 | ₹ 8,266 | ₹ 990,548 |
| 8 | Jan 2026 | ₹ 9,650 | ₹ 1,396 | ₹ 8,255 | ₹ 989,152 |
| 9 | Feb 2026 | ₹ 9,650 | ₹ 1,407 | ₹ 8,243 | ₹ 987,745 |
| 10 | Mar 2026 | ₹ 9,650 | ₹ 1,419 | ₹ 8,231 | ₹ 986,326 |
| 11 | Apr 2026 | ₹ 9,650 | ₹ 1,431 | ₹ 8,219 | ₹ 984,895 |
| 12 | May 2026 | ₹ 9,650 | ₹ 1,443 | ₹ 8,207 | ₹ 983,453 |
| 13 | Jun 2026 | ₹ 9,650 | ₹ 1,455 | ₹ 8,195 | ₹ 981,998 |
| 14 | Jul 2026 | ₹ 9,650 | ₹ 1,467 | ₹ 8,183 | ₹ 980,531 |
| 15 | Aug 2026 | ₹ 9,650 | ₹ 1,479 | ₹ 8,171 | ₹ 979,052 |
| 16 | Sept 2026 | ₹ 9,650 | ₹ 1,491 | ₹ 8,159 | ₹ 977,560 |
| 17 | Oct 2026 | ₹ 9,650 | ₹ 1,504 | ₹ 8,146 | ₹ 976,056 |
| 18 | Nov 2026 | ₹ 9,650 | ₹ 1,516 | ₹ 8,134 | ₹ 974,540 |
| 19 | Dec 2026 | ₹ 9,650 | ₹ 1,529 | ₹ 8,121 | ₹ 973,011 |
| 20 | Jan 2027 | ₹ 9,650 | ₹ 1,542 | ₹ 8,108 | ₹ 971,469 |
| 21 | Feb 2027 | ₹ 9,650 | ₹ 1,555 | ₹ 8,096 | ₹ 969,915 |
| 22 | Mar 2027 | ₹ 9,650 | ₹ 1,568 | ₹ 8,083 | ₹ 968,347 |
| 23 | Apr 2027 | ₹ 9,650 | ₹ 1,581 | ₹ 8,070 | ₹ 966,766 |
| 24 | May 2027 | ₹ 9,650 | ₹ 1,594 | ₹ 8,056 | ₹ 965,173 |
| 25 | Jun 2027 | ₹ 9,650 | ₹ 1,607 | ₹ 8,043 | ₹ 963,565 |
| 26 | Jul 2027 | ₹ 9,650 | ₹ 1,621 | ₹ 8,030 | ₹ 961,945 |
| 27 | Aug 2027 | ₹ 9,650 | ₹ 1,634 | ₹ 8,016 | ₹ 960,311 |
| 28 | Sept 2027 | ₹ 9,650 | ₹ 1,648 | ₹ 8,003 | ₹ 958,663 |
| 29 | Oct 2027 | ₹ 9,650 | ₹ 1,661 | ₹ 7,989 | ₹ 957,002 |
| 30 | Nov 2027 | ₹ 9,650 | ₹ 1,675 | ₹ 7,975 | ₹ 955,327 |
| 31 | Dec 2027 | ₹ 9,650 | ₹ 1,689 | ₹ 7,961 | ₹ 953,638 |
| 32 | Jan 2028 | ₹ 9,650 | ₹ 1,703 | ₹ 7,947 | ₹ 951,934 |
| 33 | Feb 2028 | ₹ 9,650 | ₹ 1,717 | ₹ 7,933 | ₹ 950,217 |
| 34 | Mar 2028 | ₹ 9,650 | ₹ 1,732 | ₹ 7,918 | ₹ 948,485 |
| 35 | Apr 2028 | ₹ 9,650 | ₹ 1,746 | ₹ 7,904 | ₹ 946,739 |
| 36 | May 2028 | ₹ 9,650 | ₹ 1,761 | ₹ 7,889 | ₹ 944,978 |
| 37 | Jun 2028 | ₹ 9,650 | ₹ 1,775 | ₹ 7,875 | ₹ 943,203 |
| 38 | Jul 2028 | ₹ 9,650 | ₹ 1,790 | ₹ 7,860 | ₹ 941,413 |
| 39 | Aug 2028 | ₹ 9,650 | ₹ 1,805 | ₹ 7,845 | ₹ 939,608 |
| 40 | Sept 2028 | ₹ 9,650 | ₹ 1,820 | ₹ 7,830 | ₹ 937,787 |
| 41 | Oct 2028 | ₹ 9,650 | ₹ 1,835 | ₹ 7,815 | ₹ 935,952 |
| 42 | Nov 2028 | ₹ 9,650 | ₹ 1,851 | ₹ 7,800 | ₹ 934,101 |
| 43 | Dec 2028 | ₹ 9,650 | ₹ 1,866 | ₹ 7,784 | ₹ 932,235 |
| 44 | Jan 2029 | ₹ 9,650 | ₹ 1,882 | ₹ 7,769 | ₹ 930,354 |
| 45 | Feb 2029 | ₹ 9,650 | ₹ 1,897 | ₹ 7,753 | ₹ 928,457 |
| 46 | Mar 2029 | ₹ 9,650 | ₹ 1,913 | ₹ 7,737 | ₹ 926,543 |
| 47 | Apr 2029 | ₹ 9,650 | ₹ 1,929 | ₹ 7,721 | ₹ 924,614 |
| 48 | May 2029 | ₹ 9,650 | ₹ 1,945 | ₹ 7,705 | ₹ 922,669 |
| 49 | Jun 2029 | ₹ 9,650 | ₹ 1,961 | ₹ 7,689 | ₹ 920,708 |
| 50 | Jul 2029 | ₹ 9,650 | ₹ 1,978 | ₹ 7,673 | ₹ 918,730 |
| 51 | Aug 2029 | ₹ 9,650 | ₹ 1,994 | ₹ 7,656 | ₹ 916,736 |
| 52 | Sept 2029 | ₹ 9,650 | ₹ 2,011 | ₹ 7,639 | ₹ 914,726 |
| 53 | Oct 2029 | ₹ 9,650 | ₹ 2,028 | ₹ 7,623 | ₹ 912,698 |
| 54 | Nov 2029 | ₹ 9,650 | ₹ 2,044 | ₹ 7,606 | ₹ 910,654 |
| 55 | Dec 2029 | ₹ 9,650 | ₹ 2,061 | ₹ 7,589 | ₹ 908,592 |
| 56 | Jan 2030 | ₹ 9,650 | ₹ 2,079 | ₹ 7,572 | ₹ 906,514 |
| 57 | Feb 2030 | ₹ 9,650 | ₹ 2,096 | ₹ 7,554 | ₹ 904,418 |
| 58 | Mar 2030 | ₹ 9,650 | ₹ 2,113 | ₹ 7,537 | ₹ 902,304 |
| 59 | Apr 2030 | ₹ 9,650 | ₹ 2,131 | ₹ 7,519 | ₹ 900,173 |
| 60 | May 2030 | ₹ 9,650 | ₹ 2,149 | ₹ 7,501 | ₹ 898,024 |
| 61 | Jun 2030 | ₹ 9,650 | ₹ 2,167 | ₹ 7,484 | ₹ 895,858 |
| 62 | Jul 2030 | ₹ 9,650 | ₹ 2,185 | ₹ 7,465 | ₹ 893,673 |
| 63 | Aug 2030 | ₹ 9,650 | ₹ 2,203 | ₹ 7,447 | ₹ 891,470 |
| 64 | Sept 2030 | ₹ 9,650 | ₹ 2,221 | ₹ 7,429 | ₹ 889,249 |
| 65 | Oct 2030 | ₹ 9,650 | ₹ 2,240 | ₹ 7,410 | ₹ 887,009 |
| 66 | Nov 2030 | ₹ 9,650 | ₹ 2,258 | ₹ 7,392 | ₹ 884,750 |
| 67 | Dec 2030 | ₹ 9,650 | ₹ 2,277 | ₹ 7,373 | ₹ 882,473 |
| 68 | Jan 2031 | ₹ 9,650 | ₹ 2,296 | ₹ 7,354 | ₹ 880,177 |
| 69 | Feb 2031 | ₹ 9,650 | ₹ 2,315 | ₹ 7,335 | ₹ 877,862 |
| 70 | Mar 2031 | ₹ 9,650 | ₹ 2,335 | ₹ 7,316 | ₹ 875,527 |
| 71 | Apr 2031 | ₹ 9,650 | ₹ 2,354 | ₹ 7,296 | ₹ 873,173 |
| 72 | May 2031 | ₹ 9,650 | ₹ 2,374 | ₹ 7,276 | ₹ 870,799 |
| 73 | Jun 2031 | ₹ 9,650 | ₹ 2,394 | ₹ 7,257 | ₹ 868,405 |
| 74 | Jul 2031 | ₹ 9,650 | ₹ 2,414 | ₹ 7,237 | ₹ 865,992 |
| 75 | Aug 2031 | ₹ 9,650 | ₹ 2,434 | ₹ 7,217 | ₹ 863,558 |
| 76 | Sept 2031 | ₹ 9,650 | ₹ 2,454 | ₹ 7,196 | ₹ 861,104 |
| 77 | Oct 2031 | ₹ 9,650 | ₹ 2,474 | ₹ 7,176 | ₹ 858,630 |
| 78 | Nov 2031 | ₹ 9,650 | ₹ 2,495 | ₹ 7,155 | ₹ 856,135 |
| 79 | Dec 2031 | ₹ 9,650 | ₹ 2,516 | ₹ 7,134 | ₹ 853,619 |
| 80 | Jan 2032 | ₹ 9,650 | ₹ 2,537 | ₹ 7,113 | ₹ 851,082 |
| 81 | Feb 2032 | ₹ 9,650 | ₹ 2,558 | ₹ 7,092 | ₹ 848,525 |
| 82 | Mar 2032 | ₹ 9,650 | ₹ 2,579 | ₹ 7,071 | ₹ 845,945 |
| 83 | Apr 2032 | ₹ 9,650 | ₹ 2,601 | ₹ 7,050 | ₹ 843,345 |
| 84 | May 2032 | ₹ 9,650 | ₹ 2,622 | ₹ 7,028 | ₹ 840,722 |
| 85 | Jun 2032 | ₹ 9,650 | ₹ 2,644 | ₹ 7,006 | ₹ 838,078 |
| 86 | Jul 2032 | ₹ 9,650 | ₹ 2,666 | ₹ 6,984 | ₹ 835,412 |
| 87 | Aug 2032 | ₹ 9,650 | ₹ 2,688 | ₹ 6,962 | ₹ 832,724 |
| 88 | Sept 2032 | ₹ 9,650 | ₹ 2,711 | ₹ 6,939 | ₹ 830,013 |
| 89 | Oct 2032 | ₹ 9,650 | ₹ 2,733 | ₹ 6,917 | ₹ 827,279 |
| 90 | Nov 2032 | ₹ 9,650 | ₹ 2,756 | ₹ 6,894 | ₹ 824,523 |
| 91 | Dec 2032 | ₹ 9,650 | ₹ 2,779 | ₹ 6,871 | ₹ 821,744 |
| 92 | Jan 2033 | ₹ 9,650 | ₹ 2,802 | ₹ 6,848 | ₹ 818,941 |
| 93 | Feb 2033 | ₹ 9,650 | ₹ 2,826 | ₹ 6,825 | ₹ 816,116 |
| 94 | Mar 2033 | ₹ 9,650 | ₹ 2,849 | ₹ 6,801 | ₹ 813,267 |
| 95 | Apr 2033 | ₹ 9,650 | ₹ 2,873 | ₹ 6,777 | ₹ 810,394 |
| 96 | May 2033 | ₹ 9,650 | ₹ 2,897 | ₹ 6,753 | ₹ 807,497 |
| 97 | Jun 2033 | ₹ 9,650 | ₹ 2,921 | ₹ 6,729 | ₹ 804,576 |
| 98 | Jul 2033 | ₹ 9,650 | ₹ 2,945 | ₹ 6,705 | ₹ 801,630 |
| 99 | Aug 2033 | ₹ 9,650 | ₹ 2,970 | ₹ 6,680 | ₹ 798,660 |
| 100 | Sept 2033 | ₹ 9,650 | ₹ 2,995 | ₹ 6,656 | ₹ 795,665 |
| 101 | Oct 2033 | ₹ 9,650 | ₹ 3,020 | ₹ 6,631 | ₹ 792,646 |
| 102 | Nov 2033 | ₹ 9,650 | ₹ 3,045 | ₹ 6,605 | ₹ 789,601 |
| 103 | Dec 2033 | ₹ 9,650 | ₹ 3,070 | ₹ 6,580 | ₹ 786,531 |
| 104 | Jan 2034 | ₹ 9,650 | ₹ 3,096 | ₹ 6,554 | ₹ 783,435 |
| 105 | Feb 2034 | ₹ 9,650 | ₹ 3,122 | ₹ 6,529 | ₹ 780,313 |
| 106 | Mar 2034 | ₹ 9,650 | ₹ 3,148 | ₹ 6,503 | ₹ 777,166 |
| 107 | Apr 2034 | ₹ 9,650 | ₹ 3,174 | ₹ 6,476 | ₹ 773,992 |
| 108 | May 2034 | ₹ 9,650 | ₹ 3,200 | ₹ 6,450 | ₹ 770,792 |
| 109 | Jun 2034 | ₹ 9,650 | ₹ 3,227 | ₹ 6,423 | ₹ 767,565 |
| 110 | Jul 2034 | ₹ 9,650 | ₹ 3,254 | ₹ 6,396 | ₹ 764,311 |
| 111 | Aug 2034 | ₹ 9,650 | ₹ 3,281 | ₹ 6,369 | ₹ 761,030 |
| 112 | Sept 2034 | ₹ 9,650 | ₹ 3,308 | ₹ 6,342 | ₹ 757,722 |
| 113 | Oct 2034 | ₹ 9,650 | ₹ 3,336 | ₹ 6,314 | ₹ 754,386 |
| 114 | Nov 2034 | ₹ 9,650 | ₹ 3,364 | ₹ 6,287 | ₹ 751,022 |
| 115 | Dec 2034 | ₹ 9,650 | ₹ 3,392 | ₹ 6,259 | ₹ 747,630 |
| 116 | Jan 2035 | ₹ 9,650 | ₹ 3,420 | ₹ 6,230 | ₹ 744,210 |
| 117 | Feb 2035 | ₹ 9,650 | ₹ 3,448 | ₹ 6,202 | ₹ 740,762 |
| 118 | Mar 2035 | ₹ 9,650 | ₹ 3,477 | ₹ 6,173 | ₹ 737,285 |
| 119 | Apr 2035 | ₹ 9,650 | ₹ 3,506 | ₹ 6,144 | ₹ 733,779 |
| 120 | May 2035 | ₹ 9,650 | ₹ 3,535 | ₹ 6,115 | ₹ 730,243 |
| 121 | Jun 2035 | ₹ 9,650 | ₹ 3,565 | ₹ 6,085 | ₹ 726,678 |
| 122 | Jul 2035 | ₹ 9,650 | ₹ 3,595 | ₹ 6,056 | ₹ 723,084 |
| 123 | Aug 2035 | ₹ 9,650 | ₹ 3,625 | ₹ 6,026 | ₹ 719,459 |
| 124 | Sept 2035 | ₹ 9,650 | ₹ 3,655 | ₹ 5,995 | ₹ 715,804 |
| 125 | Oct 2035 | ₹ 9,650 | ₹ 3,685 | ₹ 5,965 | ₹ 712,119 |
| 126 | Nov 2035 | ₹ 9,650 | ₹ 3,716 | ₹ 5,934 | ₹ 708,403 |
| 127 | Dec 2035 | ₹ 9,650 | ₹ 3,747 | ₹ 5,903 | ₹ 704,657 |
| 128 | Jan 2036 | ₹ 9,650 | ₹ 3,778 | ₹ 5,872 | ₹ 700,878 |
| 129 | Feb 2036 | ₹ 9,650 | ₹ 3,810 | ₹ 5,841 | ₹ 697,069 |
| 130 | Mar 2036 | ₹ 9,650 | ₹ 3,841 | ₹ 5,809 | ₹ 693,228 |
| 131 | Apr 2036 | ₹ 9,650 | ₹ 3,873 | ₹ 5,777 | ₹ 689,354 |
| 132 | May 2036 | ₹ 9,650 | ₹ 3,906 | ₹ 5,745 | ₹ 685,449 |
| 133 | Jun 2036 | ₹ 9,650 | ₹ 3,938 | ₹ 5,712 | ₹ 681,511 |
| 134 | Jul 2036 | ₹ 9,650 | ₹ 3,971 | ₹ 5,679 | ₹ 677,540 |
| 135 | Aug 2036 | ₹ 9,650 | ₹ 4,004 | ₹ 5,646 | ₹ 673,535 |
| 136 | Sept 2036 | ₹ 9,650 | ₹ 4,037 | ₹ 5,613 | ₹ 669,498 |
| 137 | Oct 2036 | ₹ 9,650 | ₹ 4,071 | ₹ 5,579 | ₹ 665,427 |
| 138 | Nov 2036 | ₹ 9,650 | ₹ 4,105 | ₹ 5,545 | ₹ 661,322 |
| 139 | Dec 2036 | ₹ 9,650 | ₹ 4,139 | ₹ 5,511 | ₹ 657,183 |
| 140 | Jan 2037 | ₹ 9,650 | ₹ 4,174 | ₹ 5,477 | ₹ 653,009 |
| 141 | Feb 2037 | ₹ 9,650 | ₹ 4,208 | ₹ 5,442 | ₹ 648,801 |
| 142 | Mar 2037 | ₹ 9,650 | ₹ 4,244 | ₹ 5,407 | ₹ 644,557 |
| 143 | Apr 2037 | ₹ 9,650 | ₹ 4,279 | ₹ 5,371 | ₹ 640,278 |
| 144 | May 2037 | ₹ 9,650 | ₹ 4,315 | ₹ 5,336 | ₹ 635,964 |
| 145 | Jun 2037 | ₹ 9,650 | ₹ 4,351 | ₹ 5,300 | ₹ 631,613 |
| 146 | Jul 2037 | ₹ 9,650 | ₹ 4,387 | ₹ 5,263 | ₹ 627,226 |
| 147 | Aug 2037 | ₹ 9,650 | ₹ 4,423 | ₹ 5,227 | ₹ 622,803 |
| 148 | Sept 2037 | ₹ 9,650 | ₹ 4,460 | ₹ 5,190 | ₹ 618,343 |
| 149 | Oct 2037 | ₹ 9,650 | ₹ 4,497 | ₹ 5,153 | ₹ 613,845 |
| 150 | Nov 2037 | ₹ 9,650 | ₹ 4,535 | ₹ 5,115 | ₹ 609,311 |
| 151 | Dec 2037 | ₹ 9,650 | ₹ 4,573 | ₹ 5,078 | ₹ 604,738 |
| 152 | Jan 2038 | ₹ 9,650 | ₹ 4,611 | ₹ 5,039 | ₹ 600,127 |
| 153 | Feb 2038 | ₹ 9,650 | ₹ 4,649 | ₹ 5,001 | ₹ 595,478 |
| 154 | Mar 2038 | ₹ 9,650 | ₹ 4,688 | ₹ 4,962 | ₹ 590,790 |
| 155 | Apr 2038 | ₹ 9,650 | ₹ 4,727 | ₹ 4,923 | ₹ 586,063 |
| 156 | May 2038 | ₹ 9,650 | ₹ 4,766 | ₹ 4,884 | ₹ 581,297 |
| 157 | Jun 2038 | ₹ 9,650 | ₹ 4,806 | ₹ 4,844 | ₹ 576,491 |
| 158 | Jul 2038 | ₹ 9,650 | ₹ 4,846 | ₹ 4,804 | ₹ 571,645 |
| 159 | Aug 2038 | ₹ 9,650 | ₹ 4,887 | ₹ 4,764 | ₹ 566,758 |
| 160 | Sept 2038 | ₹ 9,650 | ₹ 4,927 | ₹ 4,723 | ₹ 561,831 |
| 161 | Oct 2038 | ₹ 9,650 | ₹ 4,968 | ₹ 4,682 | ₹ 556,863 |
| 162 | Nov 2038 | ₹ 9,650 | ₹ 5,010 | ₹ 4,641 | ₹ 551,853 |
| 163 | Dec 2038 | ₹ 9,650 | ₹ 5,051 | ₹ 4,599 | ₹ 546,802 |
| 164 | Jan 2039 | ₹ 9,650 | ₹ 5,094 | ₹ 4,557 | ₹ 541,708 |
| 165 | Feb 2039 | ₹ 9,650 | ₹ 5,136 | ₹ 4,514 | ₹ 536,572 |
| 166 | Mar 2039 | ₹ 9,650 | ₹ 5,179 | ₹ 4,471 | ₹ 531,393 |
| 167 | Apr 2039 | ₹ 9,650 | ₹ 5,222 | ₹ 4,428 | ₹ 526,171 |
| 168 | May 2039 | ₹ 9,650 | ₹ 5,265 | ₹ 4,385 | ₹ 520,906 |
| 169 | Jun 2039 | ₹ 9,650 | ₹ 5,309 | ₹ 4,341 | ₹ 515,596 |
| 170 | Jul 2039 | ₹ 9,650 | ₹ 5,354 | ₹ 4,297 | ₹ 510,243 |
| 171 | Aug 2039 | ₹ 9,650 | ₹ 5,398 | ₹ 4,252 | ₹ 504,845 |
| 172 | Sept 2039 | ₹ 9,650 | ₹ 5,443 | ₹ 4,207 | ₹ 499,402 |
| 173 | Oct 2039 | ₹ 9,650 | ₹ 5,489 | ₹ 4,162 | ₹ 493,913 |
| 174 | Nov 2039 | ₹ 9,650 | ₹ 5,534 | ₹ 4,116 | ₹ 488,379 |
| 175 | Dec 2039 | ₹ 9,650 | ₹ 5,580 | ₹ 4,070 | ₹ 482,798 |
| 176 | Jan 2040 | ₹ 9,650 | ₹ 5,627 | ₹ 4,023 | ₹ 477,171 |
| 177 | Feb 2040 | ₹ 9,650 | ₹ 5,674 | ₹ 3,976 | ₹ 471,498 |
| 178 | Mar 2040 | ₹ 9,650 | ₹ 5,721 | ₹ 3,929 | ₹ 465,777 |
| 179 | Apr 2040 | ₹ 9,650 | ₹ 5,769 | ₹ 3,881 | ₹ 460,008 |
| 180 | May 2040 | ₹ 9,650 | ₹ 5,817 | ₹ 3,833 | ₹ 454,191 |
| 181 | Jun 2040 | ₹ 9,650 | ₹ 5,865 | ₹ 3,785 | ₹ 448,326 |
| 182 | Jul 2040 | ₹ 9,650 | ₹ 5,914 | ₹ 3,736 | ₹ 442,412 |
| 183 | Aug 2040 | ₹ 9,650 | ₹ 5,963 | ₹ 3,687 | ₹ 436,448 |
| 184 | Sept 2040 | ₹ 9,650 | ₹ 6,013 | ₹ 3,637 | ₹ 430,435 |
| 185 | Oct 2040 | ₹ 9,650 | ₹ 6,063 | ₹ 3,587 | ₹ 424,372 |
| 186 | Nov 2040 | ₹ 9,650 | ₹ 6,114 | ₹ 3,536 | ₹ 418,258 |
| 187 | Dec 2040 | ₹ 9,650 | ₹ 6,165 | ₹ 3,485 | ₹ 412,093 |
| 188 | Jan 2041 | ₹ 9,650 | ₹ 6,216 | ₹ 3,434 | ₹ 405,877 |
| 189 | Feb 2041 | ₹ 9,650 | ₹ 6,268 | ₹ 3,382 | ₹ 399,609 |
| 190 | Mar 2041 | ₹ 9,650 | ₹ 6,320 | ₹ 3,330 | ₹ 393,289 |
| 191 | Apr 2041 | ₹ 9,650 | ₹ 6,373 | ₹ 3,277 | ₹ 386,916 |
| 192 | May 2041 | ₹ 9,650 | ₹ 6,426 | ₹ 3,224 | ₹ 380,490 |
| 193 | Jun 2041 | ₹ 9,650 | ₹ 6,479 | ₹ 3,171 | ₹ 374,011 |
| 194 | Jul 2041 | ₹ 9,650 | ₹ 6,533 | ₹ 3,117 | ₹ 367,477 |
| 195 | Aug 2041 | ₹ 9,650 | ₹ 6,588 | ₹ 3,062 | ₹ 360,889 |
| 196 | Sept 2041 | ₹ 9,650 | ₹ 6,643 | ₹ 3,007 | ₹ 354,247 |
| 197 | Oct 2041 | ₹ 9,650 | ₹ 6,698 | ₹ 2,952 | ₹ 347,548 |
| 198 | Nov 2041 | ₹ 9,650 | ₹ 6,754 | ₹ 2,896 | ₹ 340,795 |
| 199 | Dec 2041 | ₹ 9,650 | ₹ 6,810 | ₹ 2,840 | ₹ 333,984 |
| 200 | Jan 2042 | ₹ 9,650 | ₹ 6,867 | ₹ 2,783 | ₹ 327,117 |
| 201 | Feb 2042 | ₹ 9,650 | ₹ 6,924 | ₹ 2,726 | ₹ 320,193 |
| 202 | Mar 2042 | ₹ 9,650 | ₹ 6,982 | ₹ 2,668 | ₹ 313,211 |
| 203 | Apr 2042 | ₹ 9,650 | ₹ 7,040 | ₹ 2,610 | ₹ 306,171 |
| 204 | May 2042 | ₹ 9,650 | ₹ 7,099 | ₹ 2,551 | ₹ 299,072 |
| 205 | Jun 2042 | ₹ 9,650 | ₹ 7,158 | ₹ 2,492 | ₹ 291,914 |
| 206 | Jul 2042 | ₹ 9,650 | ₹ 7,218 | ₹ 2,433 | ₹ 284,697 |
| 207 | Aug 2042 | ₹ 9,650 | ₹ 7,278 | ₹ 2,372 | ₹ 277,419 |
| 208 | Sept 2042 | ₹ 9,650 | ₹ 7,338 | ₹ 2,312 | ₹ 270,080 |
| 209 | Oct 2042 | ₹ 9,650 | ₹ 7,400 | ₹ 2,251 | ₹ 262,681 |
| 210 | Nov 2042 | ₹ 9,650 | ₹ 7,461 | ₹ 2,189 | ₹ 255,220 |
| 211 | Dec 2042 | ₹ 9,650 | ₹ 7,523 | ₹ 2,127 | ₹ 247,696 |
| 212 | Jan 2043 | ₹ 9,650 | ₹ 7,586 | ₹ 2,064 | ₹ 240,110 |
| 213 | Feb 2043 | ₹ 9,650 | ₹ 7,649 | ₹ 2,001 | ₹ 232,461 |
| 214 | Mar 2043 | ₹ 9,650 | ₹ 7,713 | ₹ 1,937 | ₹ 224,748 |
| 215 | Apr 2043 | ₹ 9,650 | ₹ 7,777 | ₹ 1,873 | ₹ 216,971 |
| 216 | May 2043 | ₹ 9,650 | ₹ 7,842 | ₹ 1,808 | ₹ 209,128 |
| 217 | Jun 2043 | ₹ 9,650 | ₹ 7,907 | ₹ 1,743 | ₹ 201,221 |
| 218 | Jul 2043 | ₹ 9,650 | ₹ 7,973 | ₹ 1,677 | ₹ 193,248 |
| 219 | Aug 2043 | ₹ 9,650 | ₹ 8,040 | ₹ 1,610 | ₹ 185,208 |
| 220 | Sept 2043 | ₹ 9,650 | ₹ 8,107 | ₹ 1,543 | ₹ 177,101 |
| 221 | Oct 2043 | ₹ 9,650 | ₹ 8,174 | ₹ 1,476 | ₹ 168,927 |
| 222 | Nov 2043 | ₹ 9,650 | ₹ 8,242 | ₹ 1,408 | ₹ 160,684 |
| 223 | Dec 2043 | ₹ 9,650 | ₹ 8,311 | ₹ 1,339 | ₹ 152,373 |
| 224 | Jan 2044 | ₹ 9,650 | ₹ 8,380 | ₹ 1,270 | ₹ 143,992 |
| 225 | Feb 2044 | ₹ 9,650 | ₹ 8,450 | ₹ 1,200 | ₹ 135,542 |
| 226 | Mar 2044 | ₹ 9,650 | ₹ 8,521 | ₹ 1,130 | ₹ 127,021 |
| 227 | Apr 2044 | ₹ 9,650 | ₹ 8,592 | ₹ 1,059 | ₹ 118,430 |
| 228 | May 2044 | ₹ 9,650 | ₹ 8,663 | ₹ 987 | ₹ 109,766 |
| 229 | Jun 2044 | ₹ 9,650 | ₹ 8,735 | ₹ 915 | ₹ 101,031 |
| 230 | Jul 2044 | ₹ 9,650 | ₹ 8,808 | ₹ 842 | ₹ 92,223 |
| 231 | Aug 2044 | ₹ 9,650 | ₹ 8,882 | ₹ 769 | ₹ 83,341 |
| 232 | Sept 2044 | ₹ 9,650 | ₹ 8,956 | ₹ 695 | ₹ 74,385 |
| 233 | Oct 2044 | ₹ 9,650 | ₹ 9,030 | ₹ 620 | ₹ 65,355 |
| 234 | Nov 2044 | ₹ 9,650 | ₹ 9,106 | ₹ 545 | ₹ 56,249 |
| 235 | Dec 2044 | ₹ 9,650 | ₹ 9,181 | ₹ 469 | ₹ 47,068 |
| 236 | Jan 2045 | ₹ 9,650 | ₹ 9,258 | ₹ 392 | ₹ 37,810 |
| 237 | Feb 2045 | ₹ 9,650 | ₹ 9,335 | ₹ 315 | ₹ 28,475 |
| 238 | Mar 2045 | ₹ 9,650 | ₹ 9,413 | ₹ 237 | ₹ 19,062 |
| 239 | Apr 2045 | ₹ 9,650 | ₹ 9,491 | ₹ 159 | ₹ 9,570 |
| 240 | May 2045 | ₹ 9,650 | ₹ 9,570 | ₹ 80 | ₹ 0 |
Net Present Value (NPV) is a financial metric that calculates the difference between the present value of cash inflows and outflows over a period of time. For real estate investments, this helps determine if rental income and potential property appreciation justify the initial investment.
NPV = Initial Investment + Σ (Cash Flow_t / (1+r)^t) + (Final Sale Value / (1+r)^n)
Where:
r = Discount rate
t = Time period
n = Total number of periods
| Year | Rental Income (₹) | Expenses (₹) | Net Cash Flow (₹) | Present Value (₹) | Cumulative NPV (₹) |
|---|---|---|---|---|---|
| 1 | ₹ 420,000 | ₹ 25,000 | ₹ 395,000 | ₹ 365,741 | ₹ -4,634,259 |
| 2 | ₹ 441,000 | ₹ 25,625 | ₹ 415,375 | ₹ 356,117 | ₹ -4,278,142 |
| 3 | ₹ 463,050 | ₹ 26,266 | ₹ 436,784 | ₹ 346,734 | ₹ -3,931,409 |
| 4 | ₹ 486,203 | ₹ 26,922 | ₹ 459,280 | ₹ 337,585 | ₹ -3,593,824 |
| 5 | ₹ 510,513 | ₹ 27,595 | ₹ 482,917 | ₹ 328,665 | ₹ -3,265,159 |
| 6 | ₹ 536,038 | ₹ 28,285 | ₹ 507,753 | ₹ 319,971 | ₹ -2,945,188 |
| 7 | ₹ 562,840 | ₹ 28,992 | ₹ 533,848 | ₹ 311,495 | ₹ -2,633,693 |
| 8 | ₹ 590,982 | ₹ 29,717 | ₹ 561,265 | ₹ 303,234 | ₹ -2,330,459 |
| 9 | ₹ 620,531 | ₹ 30,460 | ₹ 590,071 | ₹ 295,183 | ₹ -2,035,276 |
| 10 | ₹ 651,558 | ₹ 31,222 | ₹ 10,456,093 | ₹ 4,843,194 | ₹ 2,807,918 |
Retirement Planning involves calculating how much you need to save regularly to meet your retirement goals. This calculator uses the compound interest formula and accounts for inflation to give a realistic picture of your future needs.
FV = P × (1 + r)^n + PMT × ((1 + r)^n - 1) / r × (1 + r)
Where:
FV = Future Value needed
P = Initial principal
r = Interest rate
n = Number of periods
PMT = Regular payment amount
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