Input

Asset Cost : 3,500,000 Deal IRR : 16.56%

Net Finance : 3,500,000 0 : Upfront disc. Client's IRR : 16.56%
Flat Rate : 5.955 : Credit Pd.
PPD : - 0 : Credit Days Value Exposure : 100.00%
Tenure : 36 0 : Margin Money to us Disbursement Amt. : 3,500,000
No. of Instl. : 36 0 : Adv EMI to us Interest Amt. : 625,275
Instl. In Adv. : - 0 : Disc't Rate Agreement Value : 4,125,275
Moritorium : - 0 : Agmt. Date Total Instlm't : 4,125,275
Mgmt. Fee : 5, Dec, 09 : First EMI Due Date EMI Amount : 114,591
Loading : 1 Instl. Amt. 1 : 206,264
Load Value - Instl. Amt. 2 : 103,132
60 12 Instl. Amt. 3 : 34,377
30 12 Instl. Amt. 4 : -
10 12 Instl. Amt. 5 : -
0 0
0 0

Page 1
 DV

Dibursment- Checklist- New Vehicle

Product
Customer Name 0
Category
Model
Dealer
Source Name

Finance Details
Scheme:
Invoice Amt.: 3500000 Adv/ Arrear:
Margin Amt.: 0 Moritorium (Days) 0
Discount: 0 No. of Adv EMI 0
Tenure (in Yrs): 3 Credit Days 0
EMI Pattern: “Structured” Credit Amt 0
Credit @%

Service Charges 0

IRR 16.56%
PDC Detail
FULL PDC/ Non-PDC/SI case/ Rollover PDCs:
Due Date 5, Dec, 09
First PDC Dt. Last PDC Dt. Total PDCs

Details HDFC Dealer

Margin 0 0
Advance EMI 0 0
Service Charges 0 0
TOTAL 0 0
Disbursment Details:
a) Finance Amt. 3500000
b) Add- Margin 0
c) Less- Adv EMI 0
d) Less- Dealer Disc. 0
e) Service Charges 0

Total Disbursement 3500000

* Payment to be made in favour o

Disb Date Checked By

Comments:

Page 1
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Note: Use TAB Key to move between the cell.

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Page 2
 Amort sheet

PRINCIPAL AMT - ADV EMIs 3,500,000

Outstanding
No. of Repay Date Principal Interest Principal
EMI (dd/mm/yy) EMI Amount Portion Portion after EMI
1 5-Dec-09 114,591 82,498.03 32,092.95 3,417,501.97
2 5-Jan-10 114,591 83,254.49 31,336.49 3,334,247.49
3 5-Feb-10 114,591 84,017.88 30,573.09 3,250,229.61
4 5-Mar-10 114,591 84,788.27 29,802.70 3,165,441.33
5 5-Apr-10 114,591 85,565.73 29,025.24 3,079,875.60
6 5-May-10 114,591 86,350.32 28,240.65 2,993,525.28
7 5-Jun-10 114,591 87,142.10 27,448.87 2,906,383.18
8 5-Jul-10 114,591 87,941.14 26,649.83 2,818,442.03
9 5-Aug-10 114,591 88,747.51 25,843.46 2,729,694.52
10 5-Sep-10 114,591 89,561.28 25,029.70 2,640,133.24
11 5-Oct-10 114,591 90,382.50 24,208.47 2,549,750.74
12 5-Nov-10 114,591 91,211.25 23,379.72 2,458,539.49
13 5-Dec-10 114,591 92,047.61 22,543.36 2,366,491.88
14 5-Jan-11 114,591 92,891.63 21,699.34 2,273,600.25
15 5-Feb-11 114,591 93,743.39 20,847.58 2,179,856.85
16 5-Mar-11 114,591 94,602.96 19,988.01 2,085,253.89
17 5-Apr-11 114,591 95,470.42 19,120.55 1,989,783.47
18 5-May-11 114,591 96,345.83 18,245.15 1,893,437.65
19 5-Jun-11 114,591 97,229.26 17,361.71 1,796,208.38
20 5-Jul-11 114,591 98,120.80 16,470.18 1,698,087.59
21 5-Aug-11 114,591 99,020.51 15,570.47 1,599,067.08
22 5-Sep-11 114,591 99,928.47 14,662.51 1,499,138.62
23 5-Oct-11 114,591 100,844.75 13,746.22 1,398,293.87
24 5-Nov-11 114,591 101,769.44 12,821.53 1,296,524.43
25 5-Dec-11 114,591 102,702.60 11,888.37 1,193,821.82
26 5-Jan-12 114,591 103,644.33 10,946.65 1,090,177.50
27 5-Feb-12 114,591 104,594.68 9,996.29 985,582.81
28 5-Mar-12 114,591 105,553.76 9,037.22 880,029.05
29 5-Apr-12 114,591 106,521.62 8,069.35 773,507.43
30 5-May-12 114,591 107,498.36 7,092.61 666,009.07
31 5-Jun-12 114,591 108,484.06 6,106.91 557,525.01
32 5-Jul-12 114,591 109,478.80 5,112.18 448,046.21
33 5-Aug-12 114,591 110,482.65 4,108.32 337,563.56
34 5-Sep-12 114,591 111,495.71 3,095.26 226,067.85
35 5-Oct-12 114,591 112,518.06 2,072.91 113,549.79
36 5-Nov-12 114,591 113,549.79 1,041.18 0.00

TOTAL 3,500,000.00 625,275.00

Page 3
 Value

S. No. Description Name Value

1 Asset Cost AC 3500000 Credit days 0
2 Net Finance NF 3500000 Disc. Value 0
8 Margin to us MTU 0 0
9 Flat Rate FR 0.06
11 Tenure T 36.00
12 No. of Instl. NOI 36.00
13 No. of Adv. Instls. NOAI - 2 IF(F8>NOI;0;IF(L=0;EMIA;IF(F8<=CLP1;L1_;IF(F8<=CLP2;L2_;IF(F8<
14 Moritorium M - 206263.75
15 Mgmt. Fee MF -
18 Vendor Upfront disc. VUD 0
19 Vendor Credit Pd. VCP 0 1
25 Periodicity P 12 1
26 Cost of Funds COF 0.00
30 IRR Guess IRRG 0.18 IRR Guess 18
32 Loading L 1 Cummulative
33 Load1 L1 206263.75 0
34 LoadPd1 LP1 12 12
35 Load2 L2 103131.875 0
36 LoadPd2 LP2 12 24
37 Load3 L3 34377 0 0
38 LoadPd3 LP3 12 36
39 Load4 L4 0 0 Moritorium 0
40 LoadPd4 LP4 0 36 Amt of Adv emi 0
41 Load5 L5 0 0 Amt. Of loading EMI 0
42 LoadPd5 LP5 0 36
43 Interest Charged IC 625275 FR*T*NF/P
44 Agreement Value AV 4125275
45 EMI Amount EMIA 114591
46 Actual Disbursement AD 3500000
47 Margin Money MM 0 Load Value formula
48 PPD PPD 0 0
49 Adv EMI ADV 0 0
Margin Money Mar 0 0

Disb 3500000

“Monthly”
“Structured”

Supprot Program Name 1 Yr. 2 Yrs. 3 Yrs. None

None 0 0 0 0
Customised $ $ $ 0
TDec5.0 0 0 35 0

Page 4
 Value

TDec8.0 0 0 0 0
TJan5.0 10 11 12 0
TJan6.5 9 10 11 0
TJan7.0 8 9 10 0
TJan7.5 7 8 9 0
TJan8.0 6 7 8 0
TJan8.5 5 6 7 0
TJan9.0 4 5 6 0
TJan9.5 3 4 283 0
TApr10.5 0 0 0 0
TApr9.5 196 184 132 0
TApr9.0 325 314 261 0
TApr8.5 455 444 391 0
TApr8.0 584 574 520 0
TApr7.5 713 704 649 0
TApr7.0 843 834 779 0
TApr6.0 1102 1094 1038 0

Page 5
 Value

<=CLP1;L1_;IF(F8<=CLP2;L2_;IF(F8<=CLP3;L3_;IF(F8<=CLP4;L4_;L5_))))))

Page 6
 CashFlow

No. Instl. Stream Pure Instl. A/c Flows Interest Prin. Repay Prin. Bal. PPD Bal. Instl. Period
1 206,264 - (3,500,000) - - 3,500,000 - (4,125,275) 0
2 206,264 206,264 206,264 48,310 157,954 3,342,046 - (3,919,011) 1
3 206,264 206,264 206,264 46,129 160,134 3,181,911 - (3,712,748) 2
4 206,264 206,264 206,264 43,919 162,345 3,019,567 - (3,506,484) 3
5 206,264 206,264 206,264 41,678 164,585 2,854,981 - (3,300,220) 4
6 206,264 206,264 206,264 39,407 166,857 2,688,124 - (3,093,956) 5
7 206,264 206,264 206,264 37,103 169,160 2,518,964 - (2,887,693) 6
8 206,264 206,264 206,264 34,769 171,495 2,347,469 - (2,681,429) 7
9 206,264 206,264 206,264 32,401 173,862 2,173,606 - (2,475,165) 8
10 206,264 206,264 206,264 30,002 176,262 1,997,344 - (2,268,901) 9
11 206,264 206,264 206,264 27,569 178,695 1,818,650 - (2,062,638) 10
12 206,264 206,264 206,264 25,102 181,161 1,637,488 - (1,856,374) 11
13 103,132 206,264 206,264 22,602 183,662 1,453,826 - (1,650,110) 12
14 103,132 103,132 103,132 20,067 83,065 1,370,761 - (1,546,978) 13
15 103,132 103,132 103,132 18,920 84,212 1,286,549 - (1,443,846) 14
16 103,132 103,132 103,132 17,758 85,374 1,201,176 - (1,340,714) 15
17 103,132 103,132 103,132 16,580 86,552 1,114,623 - (1,237,583) 16
18 103,132 103,132 103,132 15,385 87,747 1,026,876 - (1,134,451) 17
19 103,132 103,132 103,132 14,174 88,958 937,918 - (1,031,319) 18
20 103,132 103,132 103,132 12,946 90,186 847,732 - (928,187) 19
21 103,132 103,132 103,132 11,701 91,431 756,301 - (825,055) 20
22 103,132 103,132 103,132 10,439 92,693 663,608 - (721,923) 21
23 103,132 103,132 103,132 9,160 93,972 569,636 - (618,791) 22
24 103,132 103,132 103,132 7,863 95,269 474,367 - (515,659) 23
25 34,377 103,132 103,132 6,548 96,584 377,782 - (412,528) 24
26 34,377 34,377 34,377 5,214 29,163 348,619 - (378,150) 25
27 34,377 34,377 34,377 4,812 29,565 319,054 - (343,773) 26
28 34,377 34,377 34,377 4,404 29,973 289,081 - (309,396) 27
29 34,377 34,377 34,377 3,990 30,387 258,693 - (275,018) 28
30 34,377 34,377 34,377 3,571 30,807 227,887 - (240,641) 29
31 34,377 34,377 34,377 3,145 31,232 196,655 - (206,264) 30
32 34,377 34,377 34,377 2,714 31,663 164,992 - (171,886) 31
33 34,377 34,377 34,377 2,277 32,100 132,892 - (137,509) 32
34 34,377 34,377 34,377 1,834 32,543 100,349 - (103,132) 33
35 34,377 34,377 34,377 1,385 32,992 67,357 - (68,755) 34
36 34,377 34,377 34,377 930 33,448 33,909 - (34,377) 35
37 - 34,377 34,377 468 33,909 -$ - 36
38 - - - - - - - - 37
39 - - - - - - - - 38
40 - - - - - - - - 39
41 - - - - - - - - 40
42 - - - - - - - - 41
43 - - - - - - - - 42
44 - - - - - - - - 43
45 - - - - - - - - 44
46 - - - - - - - - 45
47 - - - - - - - - 46
48 - - - - - - - - 47
49 - - - - - - - - 48
50 - - - - - - - - 49
51 - - - - - - - - 50
52 - - - - - - - - 51

Page 7
 CashFlow

53 - - - - - - - - 52
54 - - - - - - - - 53
55 - - - - - - - - 54
56 - - - - - - - - 55
57 - - - - - - - - 56
58 - - - - - - - - 57
59 - - - - - - - - 58
60 - - - - - - - - 59
61 - - - - - - - - 60
62 - - - - - - - - 61
63 - - - - - - - - 62
64 - - - - - - - - 63
65 - - - - - - - - 64
66 - - - - - - - - 65
67 - - - - - - - - 66
68 - - - - - - - - 67
69 - - - - - - - - 68
70 - - - - - - - - 69
71 - - - - - - - - 70
72 - - - - - - - - 71
73 - - - - - - - - 72
74 - - - - - - - - 73
75 - - - - - - - - 74
76 - - - - - - - - 75
77 - - - - - - - - 76
78 - - - - - - - - 77
79 - - - - - - - - 78
80 - - - - - - - - 79
81 - - - - - - - - 80
82 - - - - - - - - 81
83 - - - - - - - - 82
84 - - - - - - - - 83
85 - - - - - - - - 84
86 - - - - - - - - 85
87 - - - - - - - - 86
88 - - - - - - - - 87
89 - - - - - - - - 88
90 - - - - - - - - 89
91 - - - - - - - - 90
92 - - - - - - - - 91
93 - - - - - - - - 92
94 - - - - - - - - 93
95 - - - - - - - - 94
96 - - - - - - - - 95
97 - - - - - - - - 96
98 - - - - - - - - 97
99 - - - - - - - - 98
100 - - - - - - - - 99
101 - - - - - - - - 100
102 - - - - - - - - 101
103 - - - - - - - - 102
104 - - - - - - - - 103
105 - - - - - - - - 104

Page 8
 CashFlow

106 - - - - - - - - 105
107 - - - - - - - - 106
108 - - - - - - - - 107
109 - - - - - - - - 108
110 - - - - - - - - 109
111 - - - - - - - - 110
112 - - - - - - - - 111
113 - - - - - - - - 112
114 - - - - - - - - 113
115 - - - - - - - - 114
116 - - - - - - - - 115
117 - - - - - - - - 116
118 - - - - - - - - 117
119 - - - - - - - - 118
120 - - - - - - - - 119
- - - - - - - (4,125,275) 120
4,125,275 1.38% 625,275 3,500,000

No of Adv Instl NOAI 0

ADJUSTMENT 0

LOAD aDV emi 0

PURE aDV emi 0

Page 9
 CashFlow

Date Instl.-PPD MF Client Flow Disbm't Disc. Subvention Net Flow1

Dec 30, 99 - - (3,500,000) 3,500,000 - - (3,500,000)
Jan 30, 00 206,264 - 206,264 - - - 206,264
Feb 27, 00 206,264 - 206,264 - - - 206,264
Mar 28, 00 206,264 - 206,264 - - - 206,264
Apr 28, 00 206,264 - 206,264 - - - 206,264
May 28, 00 206,264 - 206,264 - - - 206,264
Jun 28, 00 206,264 - 206,264 - - - 206,264
Jul 28, 00 206,264 - 206,264 - - - 206,264
Aug 28, 00 206,264 - 206,264 - - - 206,264
Sep 28, 00 206,264 - 206,264 - - - 206,264
Oct 28, 00 206,264 - 206,264 - - - 206,264
Nov 28, 00 206,264 - 206,264 - - - 206,264
Dec 28, 00 206,264 - 206,264 - - - 206,264
Jan 28, 01 103,132 - 103,132 - - - 103,132
Feb 28, 01 103,132 - 103,132 - - - 103,132
Mar 28, 01 103,132 - 103,132 - - - 103,132
Apr 28, 01 103,132 - 103,132 - - - 103,132
May 28, 01 103,132 - 103,132 - - - 103,132
Jun 28, 01 103,132 - 103,132 - - - 103,132
Jul 28, 01 103,132 - 103,132 - - - 103,132
Aug 28, 01 103,132 - 103,132 - - - 103,132
Sep 28, 01 103,132 - 103,132 - - - 103,132
Oct 28, 01 103,132 - 103,132 - - - 103,132
Nov 28, 01 103,132 - 103,132 - - - 103,132
Dec 28, 01 103,132 - 103,132 - - - 103,132
Jan 28, 02 34,377 - 34,377 - - - 34,377
Feb 28, 02 34,377 - 34,377 - - - 34,377
Mar 28, 02 34,377 - 34,377 - - - 34,377
Apr 28, 02 34,377 - 34,377 - - - 34,377
May 28, 02 34,377 - 34,377 - - - 34,377
Jun 28, 02 34,377 - 34,377 - - - 34,377 6
Jul 28, 02 34,377 - 34,377 - - - 34,377
Aug 28, 02 34,377 - 34,377 - - - 34,377
Sep 28, 02 34,377 - 34,377 - - - 34,377
Oct 28, 02 34,377 - 34,377 - - - 34,377
Nov 28, 02 34,377 - 34,377 - - - 34,377
Dec 28, 02 34,377 - 34,377 - - - 34,377
Jan 28, 03 - - - - - - -
Feb 28, 03 - - - - - - -
Mar 28, 03 - - - - - - -
Apr 28, 03 - - - - - - -
May 28, 03 - - - - - - -
Jun 28, 03 - - - - - - -
Jul 28, 03 - - - - - - -
Aug 28, 03 - - - - - - -
Sep 28, 03 - - - - - - -
Oct 28, 03 - - - - - - -
Nov 28, 03 - - - - - - -
Dec 28, 03 - - - - - - -
Jan 28, 04 - - - - - - -
Feb 28, 04 - - - - - - -
Mar 28, 04 - - - - - - -

Page 10
 CashFlow

Apr 28, 04 - - - - - - -
May 28, 04 - - - - - - -
Jun 28, 04 - - - - - - -
Jul 28, 04 - - - - - - -
Aug 28, 04 - - - - - - -
Sep 28, 04 - - - - - - -
Oct 28, 04 - - - - - - -
Nov 28, 04 - - - - - - -
Dec 28, 04 - - - - - - -
Jan 28, 05 - - - - - - -
Feb 28, 05 - - - - - - -
Mar 28, 05 - - - - - - -
Apr 28, 05 - - - - - - -
May 28, 05 - - - - - - -
Jun 28, 05 - - - - - - -
Jul 28, 05 - - - - - - -
Aug 28, 05 - - - - - - -
Sep 28, 05 - - - - - - -
Oct 28, 05 - - - - - - -
Nov 28, 05 - - - - - - -
Dec 28, 05 - - - - - - -
Jan 28, 06 - - - - - - -
Feb 28, 06 - - - - - - -
Mar 28, 06 - - - - - - -
Apr 28, 06 - - - - - - -
May 28, 06 - - - - - - -
Jun 28, 06 - - - - - - -
Jul 28, 06 - - - - - - -
Aug 28, 06 - - - - - - -
Sep 28, 06 - - - - - - -
Oct 28, 06 - - - - - - -
Nov 28, 06 - - - - - - -
Dec 28, 06 - - - - - - -
Jan 28, 07 - - - - - - -
Feb 28, 07 - - - - - - -
Mar 28, 07 - - - - - - -
Apr 28, 07 - - - - - - -
May 28, 07 - - - - - - -
Jun 28, 07 - - - - - - -
Jul 28, 07 - - - - - - -
Aug 28, 07 - - - - - - -
Sep 28, 07 - - - - - - -
Oct 28, 07 - - - - - - -
Nov 28, 07 - - - - - - -
Dec 28, 07 - - - - - - -
Jan 28, 08 - - - - - - -
Feb 28, 08 - - - - - - -
Mar 28, 08 - - - - - - -
Apr 28, 08 - - - - - - -
May 28, 08 - - - - - - -
Jun 28, 08 - - - - - - -
Jul 28, 08 - - - - - - -
Aug 28, 08 - - - - - - -

Page 11
 CashFlow

Sep 28, 08 - - - - - - -
Oct 28, 08 - - - - - - -
Nov 28, 08 - - - - - - -
Dec 28, 08 - - - - - - -
Jan 28, 09 - - - - - - -
Feb 28, 09 - - - - - - -
Mar 28, 09 - - - - - - -
Apr 28, 09 - - - - - - -
May 28, 09 - - - - - - -
Jun 28, 09 - - - - - - -
Jul 28, 09 - - - - - - -
Aug 28, 09 - - - - - - -
Sep 28, 09 - - - - - - -
Oct 28, 09 - - - - - - -
Nov 28, 09 - - - - - - -
Dec 28, 09 - - - - - - -
1.38% - 1.38%

Page 12
 CashFlow

#NAME?

Page 13