✓ Borrower affordability + lender yield

STEP-UP EMI PLANNER

One structure.
Two clear views.

Balance borrower affordability with lender yield, timing and downside visibility.

BORROWER VIEW

Affordability today,
resilience tomorrow.

Starting EMI₹8,877from month 4
Monthly flat cost1.1%interest ÷ principal ÷ months
Total interest₹57,20028.6% of loan
Total repayment₹2,57,20027 months total

EMI-to-income outlook

Parent income during course: ₹25,000 · Post-course family income: ₹25,000 + youth income ₹20,000 = ₹45,000

Worst case21.8%0% income growth
Base case20.8%10% annual income growth
Upside case20.0%20% annual income growth

EMI growth journey

Monthly instalment across the repayment period

1
3
5
7
9
11
13
15
17
19
21
23
25
27

LENDER VIEW

Yield, inflows and downside

IRR uses Day-30 net disbursement and actual monthly lender inflows.

Lender annual IRR30.7%2.3% effective monthly
Day 30 net outflow₹1,84,667after upfront inflows
Upfront lender inflow₹15,333fee + insurance + advance EMI
IRR uplift vs moratorium+42 bpsfrom interest-only cash flow
Credit view: compare worst-case EMI-to-income with lender FOIR policy. Income growth cases are sensitivities, not assured income.

MONTH-WISE VIEW

Borrower and lender schedule

Income growth is applied annually from the first EMI month.

MonthEMIInterestBalanceFamily income 0%EMI/IncomeFamily income 10%EMI/IncomeFamily income 20%EMI/Income
M1 · Interest only₹3,333₹3,333₹2,00,000₹25,00013.3%₹25,00013.3%₹25,00013.3%
M2 · Interest only₹3,333₹3,333₹2,00,000₹25,00013.3%₹25,00013.3%₹25,00013.3%
M3 · Interest only₹3,333₹3,333₹2,00,000₹25,00013.3%₹25,00013.3%₹25,00013.3%
M4₹8,877₹3,333₹1,94,456₹45,00019.7%₹45,00019.7%₹45,00019.7%
M5₹8,877₹3,241₹1,88,820₹45,00019.7%₹45,00019.7%₹45,00019.7%
M6₹8,877₹3,147₹1,83,089₹45,00019.7%₹45,00019.7%₹45,00019.7%
M7₹8,877₹3,051₹1,77,263₹45,00019.7%₹45,00019.7%₹45,00019.7%
M8₹8,877₹2,954₹1,71,340₹45,00019.7%₹45,00019.7%₹45,00019.7%
M9₹8,877₹2,856₹1,65,319₹45,00019.7%₹45,00019.7%₹45,00019.7%
M10₹9,765₹2,755₹1,58,309₹45,00021.7%₹45,00021.7%₹45,00021.7%
M11₹9,765₹2,638₹1,51,182₹45,00021.7%₹45,00021.7%₹45,00021.7%
M12₹9,765₹2,520₹1,43,937₹45,00021.7%₹45,00021.7%₹45,00021.7%