Author

EMICalculator.net
http://emicalculator.net/sbi-maxgain-why-should-you-choose-this-home-saver-loan

Disclaimer

This excel is for illustration / rough estimation purposes only and should not be us
that your entire loan amount is disbursed in one go.

In reality, interest is calculated on a daily basis taking into account the surplus balance a
disbursed in stages and on your choice of pre-EMI or full EMI.

Note: You will have to approach the bank to close the home loan when Book Balance rea

Enter the loan information

Loan Amount
Interest Rate
Loan Tenure (months)
EMI
Final Disbursement Date

3,000,000.00
10.1
240
29,149.69
Dec-2013

Regular Home Loan

Month
Principal
Dec-2013
Jan-2014
Feb-2014
Mar-2014
Apr-2014
May-2014
Jun-2014
Jul-2014
Aug-2014
Sep-2014
Oct-2014
Nov-2014
Dec-2014
Jan-2015
Feb-2015
Mar-2015
Apr-2015

3,899.69
3,932.52
3,965.61
3,998.99
4,032.65
4,066.59
4,100.82
4,135.33
4,170.14
4,205.24
4,240.63
4,276.32
4,312.32
4,348.61
4,385.21
4,422.12

Interest
25,250.00
25,217.18
25,184.08
25,150.70
25,117.04
25,083.10
25,048.87
25,014.36
24,979.55
24,944.46
24,909.06
24,873.37
24,837.38
24,801.08
24,764.48
24,727.57

May-2015
Jun-2015
Jul-2015
Aug-2015
Sep-2015
Oct-2015
Nov-2015
Dec-2015
Jan-2016
Feb-2016
Mar-2016
Apr-2016
May-2016
Jun-2016
Jul-2016
Aug-2016
Sep-2016
Oct-2016
Nov-2016
Dec-2016
Jan-2017
Feb-2017
Mar-2017
Apr-2017
May-2017
Jun-2017
Jul-2017
Aug-2017
Sep-2017
Oct-2017
Nov-2017
Dec-2017
Jan-2018
Feb-2018
Mar-2018
Apr-2018
May-2018
Jun-2018
Jul-2018
Aug-2018
Sep-2018
Oct-2018
Nov-2018
Dec-2018
Jan-2019

4,459.34
4,496.87
4,534.72
4,572.89
4,611.38
4,650.19
4,689.33
4,728.80
4,768.60
4,808.73
4,849.21
4,890.02
4,931.18
4,972.68
5,014.54
5,056.74
5,099.30
5,142.22
5,185.50
5,229.15
5,273.16
5,317.54
5,362.30
5,407.43
5,452.94
5,498.84
5,545.12
5,591.79
5,638.86
5,686.32
5,734.18
5,782.44
5,831.11
5,880.19
5,929.68
5,979.59
6,029.91
6,080.67
6,131.85
6,183.46
6,235.50
6,287.98
6,340.91
6,394.27
6,448.09

24,690.35
24,652.82
24,614.97
24,576.80
24,538.32
24,499.50
24,460.36
24,420.90
24,381.09
24,340.96
24,300.49
24,259.67
24,218.51
24,177.01
24,135.16
24,092.95
24,050.39
24,007.47
23,964.19
23,920.54
23,876.53
23,832.15
23,787.39
23,742.26
23,696.75
23,650.85
23,604.57
23,557.90
23,510.84
23,463.38
23,415.52
23,367.25
23,318.58
23,269.51
23,220.01
23,170.11
23,119.78
23,069.03
23,017.85
22,966.24
22,914.19
22,861.71
22,808.79
22,755.42
22,701.60

Feb-2019
Mar-2019
Apr-2019
May-2019
Jun-2019
Jul-2019
Aug-2019
Sep-2019
Oct-2019
Nov-2019
Dec-2019
Jan-2020
Feb-2020
Mar-2020
Apr-2020
May-2020
Jun-2020
Jul-2020
Aug-2020
Sep-2020
Oct-2020
Nov-2020
Dec-2020
Jan-2021
Feb-2021
Mar-2021
Apr-2021
May-2021
Jun-2021
Jul-2021
Aug-2021
Sep-2021
Oct-2021
Nov-2021
Dec-2021
Jan-2022
Feb-2022
Mar-2022
Apr-2022
May-2022
Jun-2022
Jul-2022
Aug-2022
Sep-2022
Oct-2022

6,502.36
6,557.09
6,612.28
6,667.94
6,724.06
6,780.65
6,837.72
6,895.27
6,953.31
7,011.83
7,070.85
7,130.36
7,190.37
7,250.89
7,311.92
7,373.46
7,435.52
7,498.11
7,561.21
7,624.86
7,689.03
7,753.75
7,819.01
7,884.82
7,951.18
8,018.10
8,085.59
8,153.64
8,222.27
8,291.47
8,361.26
8,431.63
8,502.60
8,574.16
8,646.33
8,719.10
8,792.49
8,866.49
8,941.12
9,016.37
9,092.26
9,168.79
9,245.96
9,323.78
9,402.25

22,647.33
22,592.60
22,537.41
22,481.76
22,425.64
22,369.04
22,311.97
22,254.42
22,196.39
22,137.86
22,078.85
22,019.33
21,959.32
21,898.80
21,837.77
21,776.23
21,714.17
21,651.59
21,588.48
21,524.84
21,460.66
21,395.95
21,330.69
21,264.88
21,198.51
21,131.59
21,064.10
20,996.05
20,927.42
20,858.22
20,788.43
20,718.06
20,647.09
20,575.53
20,503.36
20,430.59
20,357.20
20,283.20
20,208.57
20,133.32
20,057.43
19,980.90
19,903.73
19,825.91
19,747.44

Nov-2022
Dec-2022
Jan-2023
Feb-2023
Mar-2023
Apr-2023
May-2023
Jun-2023
Jul-2023
Aug-2023
Sep-2023
Oct-2023
Nov-2023
Dec-2023
Jan-2024
Feb-2024
Mar-2024
Apr-2024
May-2024
Jun-2024
Jul-2024
Aug-2024
Sep-2024
Oct-2024
Nov-2024
Dec-2024
Jan-2025
Feb-2025
Mar-2025
Apr-2025
May-2025
Jun-2025
Jul-2025
Aug-2025
Sep-2025
Oct-2025
Nov-2025
Dec-2025
Jan-2026
Feb-2026
Mar-2026
Apr-2026
May-2026
Jun-2026
Jul-2026

9,481.39
9,561.19
9,641.66
9,722.82
9,804.65
9,887.17
9,970.39
10,054.31
10,138.93
10,224.27
10,310.32
10,397.10
10,484.61
10,572.85
10,661.84
10,751.58
10,842.07
10,933.32
11,025.35
11,118.14
11,211.72
11,306.09
11,401.25
11,497.21
11,593.97
11,691.56
11,789.96
11,889.19
11,989.26
12,090.17
12,191.93
12,294.54
12,398.02
12,502.37
12,607.60
12,713.72
12,820.72
12,928.63
13,037.45
13,147.18
13,257.83
13,369.42
13,481.95
13,595.42
13,709.85

19,668.30
19,588.50
19,508.03
19,426.88
19,345.04
19,262.52
19,179.30
19,095.39
19,010.76
18,925.43
18,839.37
18,752.59
18,665.09
18,576.84
18,487.85
18,398.11
18,307.62
18,216.37
18,124.35
18,031.55
17,937.97
17,843.61
17,748.45
17,652.49
17,555.72
17,458.14
17,359.73
17,260.50
17,160.43
17,059.52
16,957.76
16,855.15
16,751.67
16,647.32
16,542.09
16,435.98
16,328.97
16,221.06
16,112.25
16,002.51
15,891.86
15,780.27
15,667.75
15,554.27
15,439.84

Aug-2026
Sep-2026
Oct-2026
Nov-2026
Dec-2026
Jan-2027
Feb-2027
Mar-2027
Apr-2027
May-2027
Jun-2027
Jul-2027
Aug-2027
Sep-2027
Oct-2027
Nov-2027
Dec-2027
Jan-2028
Feb-2028
Mar-2028
Apr-2028
May-2028
Jun-2028
Jul-2028
Aug-2028
Sep-2028
Oct-2028
Nov-2028
Dec-2028
Jan-2029
Feb-2029
Mar-2029
Apr-2029
May-2029
Jun-2029
Jul-2029
Aug-2029
Sep-2029
Oct-2029
Nov-2029
Dec-2029
Jan-2030
Feb-2030
Mar-2030
Apr-2030

13,825.24
13,941.60
14,058.94
14,177.27
14,296.60
14,416.93
14,538.27
14,660.63
14,784.03
14,908.46
15,033.94
15,160.48
15,288.08
15,416.75
15,546.51
15,677.36
15,809.31
15,942.37
16,076.55
16,211.86
16,348.31
16,485.91
16,624.67
16,764.59
16,905.69
17,047.98
17,191.47
17,336.17
17,482.08
17,629.22
17,777.60
17,927.23
18,078.11
18,230.27
18,383.71
18,538.44
18,694.47
18,851.82
19,010.49
19,170.49
19,331.84
19,494.55
19,658.63
19,824.09
19,990.94

15,324.45
15,208.09
15,090.75
14,972.42
14,853.09
14,732.76
14,611.42
14,489.06
14,365.66
14,241.23
14,115.75
13,989.22
13,861.62
13,732.94
13,603.18
13,472.33
13,340.38
13,207.32
13,073.14
12,937.83
12,801.38
12,663.78
12,525.02
12,385.10
12,244.00
12,101.71
11,958.22
11,813.53
11,667.61
11,520.47
11,372.09
11,222.47
11,071.58
10,919.42
10,765.98
10,611.25
10,455.22
10,297.88
10,139.21
9,979.20
9,817.85
9,655.14
9,491.06
9,325.60
9,158.75

May-2030
Jun-2030
Jul-2030
Aug-2030
Sep-2030
Oct-2030
Nov-2030
Dec-2030
Jan-2031
Feb-2031
Mar-2031
Apr-2031
May-2031
Jun-2031
Jul-2031
Aug-2031
Sep-2031
Oct-2031
Nov-2031
Dec-2031
Jan-2032
Feb-2032
Mar-2032
Apr-2032
May-2032
Jun-2032
Jul-2032
Aug-2032
Sep-2032
Oct-2032
Nov-2032
Dec-2032
Jan-2033
Feb-2033
Mar-2033
Apr-2033
May-2033
Jun-2033
Jul-2033
Aug-2033
Sep-2033
Oct-2033
Nov-2033
Dec-2033
Jan-2034

20,159.20
20,328.87
20,499.98
20,672.52
20,846.51
21,021.97
21,198.90
21,377.33
21,557.25
21,738.69
21,921.66
22,106.17
22,292.23
22,479.86
22,669.06
22,859.86
23,052.26
23,246.29
23,441.94
23,639.25
23,838.21
24,038.85
24,241.17
24,445.20
24,650.95
24,858.43
25,067.66
25,278.64
25,491.40
25,705.96
25,922.31
26,140.49
26,360.51
26,582.38
26,806.11
27,031.73
27,259.25
27,488.68
27,720.04
27,953.35
28,188.63
28,425.88
28,665.13
28,906.40
0.00

8,990.49
8,820.82
8,649.72
8,477.18
8,303.18
8,127.72
7,950.79
7,772.36
7,592.44
7,411.00
7,228.03
7,043.52
6,857.46
6,669.84
6,480.63
6,289.83
6,097.43
5,903.41
5,707.75
5,510.45
5,311.48
5,110.85
4,908.52
4,704.49
4,498.74
4,291.26
4,082.04
3,871.05
3,658.29
3,443.74
3,227.38
3,009.20
2,789.18
2,567.32
2,343.58
2,117.96
1,890.45
1,661.01
1,429.65
1,196.34
961.07
723.81
484.56
243.30
0.00

Feb-2034
Mar-2034
Apr-2034
May-2034
Jun-2034
Jul-2034
Aug-2034
Sep-2034
Oct-2034
Nov-2034
Dec-2034
Jan-2035
Feb-2035
Mar-2035
Apr-2035
May-2035
Jun-2035
Jul-2035
Aug-2035
Sep-2035
Oct-2035
Nov-2035
Dec-2035
Jan-2036
Feb-2036
Mar-2036
Apr-2036
May-2036
Jun-2036
Jul-2036
Aug-2036
Sep-2036
Oct-2036
Nov-2036
Dec-2036
Jan-2037
Feb-2037
Mar-2037
Apr-2037
May-2037
Jun-2037
Jul-2037
Aug-2037
Sep-2037
Oct-2037

0.00
0.00
0.00
0.00
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0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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0.00
0.00
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0.00

Nov-2037
Dec-2037
Jan-2038
Feb-2038
Mar-2038
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May-2038
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Oct-2040
Nov-2040
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Feb-2041
Mar-2041
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May-2041
Jun-2041
Jul-2041

0.00
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Aug-2041
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Nov-2041
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Jan-2042
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Jul-2044
Aug-2044
Sep-2044
Oct-2044
Nov-2044
Dec-2044
Jan-2045
Feb-2045
Mar-2045
Apr-2045

0.00
0.00
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0.00
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0.00

May-2045
Jun-2045
Jul-2045
Aug-2045
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Oct-2045
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Jan-2046
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Jan-2048
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Apr-2048
May-2048
Jun-2048
Jul-2048
Aug-2048
Sep-2048
Oct-2048
Nov-2048
Dec-2048
Jan-2049

0.00
0.00
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0.00
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0.00

Feb-2049
Mar-2049
Apr-2049
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Jul-2049
Aug-2049
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Oct-2049
Nov-2049
Dec-2049
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Jan-2052
Feb-2052
Mar-2052
Apr-2052
May-2052
Jun-2052
Jul-2052
Aug-2052
Sep-2052
Oct-2052

0.00
0.00
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0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Nov-2052
Dec-2052
Jan-2053
Feb-2053
Mar-2053
Apr-2053
May-2053
Jun-2053
Jul-2053
Aug-2053
Sep-2053
Oct-2053
Nov-2053
Dec-2053

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

this-home-saver-loan

only and should not be used for planning your finances or calculating your tax deductible amount etc. This exc

count the surplus balance at the end of the day. Even if you park the amount for a few days in the month, you s

oan when Book Balance reaches zero.

ome Loan

SBI Ma
Balance
(End of Month)
3,000,000.00
2,996,100.31
2,992,167.79
2,988,202.18
2,984,203.19
2,980,170.54
2,976,103.95
2,972,003.13
2,967,867.79
2,963,697.66
2,959,492.42
2,955,251.79
2,950,975.46
2,946,663.15
2,942,314.54
2,937,929.32
2,933,507.20

Principal
3,899.69
3,932.52
3,965.61
3,998.99
4,032.65
4,066.59
4,100.82
4,135.33
4,170.14
4,205.24
4,240.63
4,276.32
4,312.32
4,348.61
4,385.21
4,422.12

Interest
25,250.00
25,217.18
25,184.08
25,150.70
25,117.04
25,083.10
23,365.54
23,316.86
23,267.77
23,218.26
23,168.34
23,117.99
23,908.89
23,864.78
23,820.30
23,775.45

2,929,047.86
2,924,550.99
2,920,016.27
2,915,443.38
2,910,832.00
2,906,181.81
2,901,492.48
2,896,763.68
2,891,995.08
2,887,186.35
2,882,337.14
2,877,447.12
2,872,515.94
2,867,543.25
2,862,528.72
2,857,471.97
2,852,372.67
2,847,230.45
2,842,044.94
2,836,815.80
2,831,542.64
2,826,225.09
2,820,862.80
2,815,455.36
2,810,002.42
2,804,503.58
2,798,958.46
2,793,366.67
2,787,727.81
2,782,041.49
2,776,307.32
2,770,524.88
2,764,693.77
2,758,813.58
2,752,883.90
2,746,904.32
2,740,874.40
2,734,793.74
2,728,661.89
2,722,478.43
2,716,242.93
2,709,954.95
2,703,614.05
2,697,219.77
2,690,771.68

4,459.34
4,496.87
4,534.72
4,572.89
4,611.38
4,650.19
4,689.33
4,728.80
4,768.60
4,808.73
4,849.21
4,890.02
4,931.18
4,972.68
5,014.54
5,056.74
5,099.30
5,142.22
5,185.50
5,229.15
5,273.16
5,317.54
5,362.30
5,407.43
5,452.94
5,498.84
5,545.12
5,591.79
5,638.86
5,686.32
5,734.18
5,782.44
5,831.11
5,880.19
5,929.68
5,979.59
6,029.91
6,080.67
6,131.85
6,183.46
6,235.50
6,287.98
6,340.91
6,394.27
6,448.09

23,730.21
24,526.27
24,319.02
24,110.03
23,899.28
23,686.75
23,472.44
23,256.32
24,216.72
24,175.20
24,133.33
24,091.11
24,048.53
24,005.60
23,962.30
23,918.64
23,874.61
23,830.22
23,785.44
23,740.29
23,694.77
23,648.85
23,602.55
23,555.87
23,508.78
23,461.31
23,413.43
23,365.15
23,316.46
23,267.37
23,217.86
23,167.93
23,117.58
23,066.81
23,015.62
22,963.99
22,911.92
22,859.42
22,806.48
22,753.09
22,699.25
22,644.96
22,590.21
22,535.01
22,479.33

2,684,269.32
2,677,712.22
2,671,099.94
2,664,432.01
2,657,707.95
2,650,927.30
2,644,089.58
2,637,194.30
2,630,241.00
2,623,229.17
2,616,158.32
2,609,027.96
2,601,837.58
2,594,586.69
2,587,274.77
2,579,901.30
2,572,465.78
2,564,967.68
2,557,406.46
2,549,781.61
2,542,092.57
2,534,338.83
2,526,519.82
2,518,635.00
2,510,683.82
2,502,665.72
2,494,580.13
2,486,426.48
2,478,204.21
2,469,912.74
2,461,551.48
2,453,119.84
2,444,617.24
2,436,043.08
2,427,396.75
2,418,677.64
2,409,885.15
2,401,018.66
2,392,077.54
2,383,061.17
2,373,968.91
2,364,800.12
2,355,554.16
2,346,230.38
2,336,828.13

6,502.36
6,557.09
6,612.28
6,667.94
6,724.06
6,780.65
6,837.72
6,895.27
6,953.31
7,011.83
7,070.85
7,130.36
7,190.37
7,250.89
7,311.92
7,373.46
7,435.52
7,498.11
7,561.21
7,624.86
7,689.03
7,753.75
7,819.01
7,884.82
7,951.18
8,018.10
8,085.59
8,153.64
8,222.27
8,291.47
8,361.26
8,431.63
8,502.60
8,574.16
8,646.33
8,719.10
8,792.49
8,866.49
8,941.12
9,016.37
9,092.26
9,168.79
9,245.96
9,323.78
9,402.25

22,423.19
22,366.57
22,309.48
22,251.91
22,193.86
22,135.31
22,076.27
22,016.74
21,956.70
21,896.16
21,835.11
21,773.55
21,711.46
21,648.86
21,585.73
21,522.06
21,457.86
21,393.12
21,327.84
21,262.01
21,195.62
21,128.67
21,061.16
20,993.08
20,924.43
20,855.20
20,785.39
20,714.99
20,644.00
20,572.41
20,500.22
20,427.42
20,354.00
20,279.97
20,205.32
20,130.04
20,054.12
19,977.57
19,900.37
19,822.52
19,744.02
19,664.85
19,585.02
19,504.52
19,423.34

2,327,346.74
2,317,785.55
2,308,143.88
2,298,421.07
2,288,616.42
2,278,729.25
2,268,758.86
2,258,704.55
2,248,565.62
2,238,341.36
2,228,031.04
2,217,633.94
2,207,149.33
2,196,576.48
2,185,914.64
2,175,163.06
2,164,320.99
2,153,387.67
2,142,362.32
2,131,244.18
2,120,032.45
2,108,726.37
2,097,325.12
2,085,827.91
2,074,233.94
2,062,542.38
2,050,752.42
2,038,863.23
2,026,873.97
2,014,783.80
2,002,591.87
1,990,297.32
1,977,899.30
1,965,396.93
1,952,789.32
1,940,075.61
1,927,254.88
1,914,326.25
1,901,288.81
1,888,141.63
1,874,883.79
1,861,514.37
1,848,032.43
1,834,437.01
1,820,727.16

9,481.39
9,561.19
9,641.66
9,722.82
9,804.65
9,887.17
9,970.39
10,054.31
10,138.93
10,224.27
10,310.32
10,397.10
10,484.61
10,572.85
10,661.84
10,751.58
10,842.07
10,933.32
11,025.35
11,118.14
11,211.72
11,306.09
11,401.25
11,497.21
11,593.97
11,691.56
11,789.96
11,889.19
11,989.26
12,090.17
12,191.93
12,294.54
12,398.02
12,502.37
12,607.60
12,713.72
12,820.72
12,928.63
13,037.45
13,147.18
13,257.83
13,369.42
13,481.95
13,595.42
13,709.85

19,341.48
19,258.92
19,175.68
19,091.73
19,007.07
18,921.71
18,835.62
18,748.81
18,661.27
18,572.99
18,483.97
18,394.20
18,303.68
18,212.39
18,120.33
18,027.50
17,933.89
17,839.49
17,744.30
17,648.30
17,551.50
17,453.88
17,355.44
17,256.17
17,156.07
17,055.12
16,953.33
16,850.68
16,747.16
16,642.77
16,537.50
16,431.35
16,324.31
16,216.36
16,107.50
15,997.73
15,887.04
15,775.41
15,662.84
15,549.33
15,434.86
15,319.42
15,203.02
15,085.63
14,967.26

1,806,901.92
1,792,960.32
1,778,901.37
1,764,724.10
1,750,427.50
1,736,010.57
1,721,472.30
1,706,811.67
1,692,027.64
1,677,119.18
1,662,085.24
1,646,924.76
1,631,636.69
1,616,219.94
1,600,673.43
1,584,996.07
1,569,186.76
1,553,244.39
1,537,167.84
1,520,955.97
1,504,607.66
1,488,121.75
1,471,497.08
1,454,732.49
1,437,826.79
1,420,778.81
1,403,587.34
1,386,251.17
1,368,769.09
1,351,139.87
1,333,362.27
1,315,435.05
1,297,356.93
1,279,126.66
1,260,742.95
1,242,204.51
1,223,510.04
1,204,658.22
1,185,647.74
1,166,477.25
1,147,145.40
1,127,650.85
1,107,992.22
1,088,168.13
1,068,177.18

13,825.24
13,941.60
14,058.94
14,177.27
14,296.60
14,416.93
14,538.27
14,660.63
14,784.03
14,908.46
15,033.94
15,160.48
15,288.08
15,416.75
15,546.51
15,677.36
15,809.31
15,942.37
16,076.55
16,211.86
16,348.31
16,485.91
16,624.67
16,764.59
16,905.69
17,047.98
17,191.47
17,336.17
17,482.08
17,629.22
17,777.60
17,927.23
18,078.11
18,230.27
18,383.71
18,538.44
18,694.47
18,851.82
19,010.49
19,170.49
19,331.84
19,494.55
19,658.63
19,824.09
19,990.94

14,847.89
14,727.52
14,606.13
14,483.72
14,360.29
14,235.81
14,110.28
13,983.70
13,856.05
13,727.33
13,597.53
13,466.63
13,334.63
13,201.52
13,067.29
12,931.93
12,795.43
12,657.78
12,518.98
12,379.00
12,237.85
12,095.51
11,951.97
11,807.22
11,661.25
11,514.06
11,365.63
11,215.94
11,065.00
10,912.79
10,759.29
10,604.51
10,448.42
10,291.02
10,132.29
9,972.23
9,810.82
9,648.05
9,483.91
9,318.39
9,151.48
8,983.16
8,813.42
8,642.26
8,469.65

1,048,017.98
1,027,689.11
1,007,189.13
986,516.61
965,670.10
944,648.13
923,449.23
902,071.90
880,514.64
858,775.95
836,854.29
814,748.12
792,455.89
769,976.03
747,306.97
724,447.11
701,394.85
678,148.56
654,706.62
631,067.37
607,229.16
583,190.32
558,949.14
534,503.94
509,852.99
484,994.56
459,926.90
434,648.26
409,156.86
383,450.90
357,528.59
331,388.09
305,027.58
278,445.20
251,639.09
224,607.36
197,348.11
169,859.43
142,139.39
114,186.04
85,997.41
57,571.53
28,906.40
(0.00)
(0.00)

20,159.20
20,328.87
20,499.98
20,672.52
20,846.51
21,021.97
21,198.90
21,377.33
21,557.25
21,738.69
21,921.66
22,106.17
22,292.23
22,479.86
22,669.06
22,859.86
23,052.26
23,246.29
23,441.94
23,639.25
23,838.21
24,038.85
24,241.17
24,445.20
24,650.95
24,858.43
25,067.66
25,278.64
25,491.40
25,705.96
25,922.31
26,140.49
26,360.51
26,582.38
26,806.11
27,031.73
27,259.25
27,488.68
27,720.04
27,953.35
0.00
0.00
0.00
0.00
0.00

8,295.60
8,120.08
7,943.08
7,764.59
7,584.60
7,403.09
7,220.06
7,035.48
6,849.35
6,661.66
6,472.38
6,281.52
6,089.04
5,894.95
5,699.22
5,501.85
5,302.81
5,102.10
4,899.70
4,695.59
4,489.77
4,282.22
4,072.92
3,861.85
3,649.02
3,434.38
3,217.95
2,999.69
2,779.59
2,557.64
2,333.83
2,108.13
1,880.53
1,651.01
1,419.57
1,186.17
950.81
713.47
474.13
232.78
0.00
0.00
0.00
0.00
0.00

(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
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(0.00)
(0.00)
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(0.00)

0.00
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(0.00)
(0.00)
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(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
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(0.00)
(0.00)
(0.00)

0.00
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(0.00)
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(0.00)

0.00
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(0.00)

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(0.00)
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(0.00)
(0.00)
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0.00

0.00
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0.00
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0.00

(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)
(0.00)

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
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0.00
0.00
0.00
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0.00
0.00
0.00
0.00
0.00
0.00

ur tax deductible amount etc. This excel calculates interest on a monthly basis instead of daily basis. It also ass

unt for a few days in the month, you save on total interest outgo. Your total outgo will also vary if the loan amou

SBI MaxGain Home Loan

Drawing Power
(End of Month)
3,000,000.00
2,996,100.31
2,992,167.79
2,988,202.18
2,984,203.19
2,980,170.54
2,976,103.95
2,972,003.13
2,967,867.79
2,963,697.66
2,959,492.42
2,955,251.79
2,950,975.46
2,946,663.15
2,942,314.54
2,937,929.32
2,933,507.20

Surplus Deposit Surplus Balance Available Balance

/ Withdrawal Amount
(End of Month)
(End of Month)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
200,000.00
200,000.00
200,000.00
0.00
200,000.00
201,683.33
0.00
200,000.00
203,380.83
0.00
200,000.00
205,092.62
0.00
200,000.00
206,818.82
0.00
200,000.00
208,559.54
(100,000.00)
100,000.00
110,314.92
0.00
100,000.00
111,243.40
0.00
100,000.00
112,179.70
0.00
100,000.00
113,123.88
0.00
100,000.00
114,076.01

2,929,047.86
2,924,550.99
2,920,016.27
2,915,443.38
2,910,832.00
2,906,181.81
2,901,492.48
2,896,763.68
2,891,995.08
2,887,186.35
2,882,337.14
2,877,447.12
2,872,515.94
2,867,543.25
2,862,528.72
2,857,471.97
2,852,372.67
2,847,230.45
2,842,044.94
2,836,815.80
2,831,542.64
2,826,225.09
2,820,862.80
2,815,455.36
2,810,002.42
2,804,503.58
2,798,958.46
2,793,366.67
2,787,727.81
2,782,041.49
2,776,307.32
2,770,524.88
2,764,693.77
2,758,813.58
2,752,883.90
2,746,904.32
2,740,874.40
2,734,793.74
2,728,661.89
2,722,478.43
2,716,242.93
2,709,954.95
2,703,614.05
2,697,219.77
2,690,771.68

(100,000.00)
20,000.00
20,000.00
20,000.00
20,000.00
20,000.00
20,000.00
(120,000.00)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
20,000.00
40,000.00
60,000.00
80,000.00
100,000.00
120,000.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

15,036.15
35,162.70
55,458.66
75,925.43
96,564.47
117,377.22
138,365.15
19,529.72
19,694.10
19,859.85
20,027.01
20,195.57
20,365.55
20,536.96
20,709.81
20,884.12
21,059.89
21,237.15
21,415.89
21,596.14
21,777.91
21,961.21
22,146.05
22,332.44
22,520.41
22,709.96
22,901.10
23,093.85
23,288.22
23,484.23
23,681.89
23,881.21
24,082.21
24,284.91
24,489.30
24,695.42
24,903.28
25,112.88
25,324.24
25,537.39
25,752.33
25,969.08
26,187.65
26,408.06
26,630.33

2,684,269.32
2,677,712.22
2,671,099.94
2,664,432.01
2,657,707.95
2,650,927.30
2,644,089.58
2,637,194.30
2,630,241.00
2,623,229.17
2,616,158.32
2,609,027.96
2,601,837.58
2,594,586.69
2,587,274.77
2,579,901.30
2,572,465.78
2,564,967.68
2,557,406.46
2,549,781.61
2,542,092.57
2,534,338.83
2,526,519.82
2,518,635.00
2,510,683.82
2,502,665.72
2,494,580.13
2,486,426.48
2,478,204.21
2,469,912.74
2,461,551.48
2,453,119.84
2,444,617.24
2,436,043.08
2,427,396.75
2,418,677.64
2,409,885.15
2,401,018.66
2,392,077.54
2,383,061.17
2,373,968.91
2,364,800.12
2,355,554.16
2,346,230.38
2,336,828.13

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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0.00
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0.00
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0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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0.00
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0.00
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0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

26,854.47
27,080.50
27,308.42
27,538.27
27,770.05
28,003.78
28,239.48
28,477.16
28,716.84
28,958.54
29,202.28
29,448.06
29,695.92
29,945.86
30,197.90
30,452.07
30,708.38
30,966.84
31,227.47
31,490.31
31,755.35
32,022.62
32,292.15
32,563.94
32,838.02
33,114.41
33,393.12
33,674.18
33,957.60
34,243.41
34,531.63
34,822.27
35,115.36
35,410.91
35,708.95
36,009.50
36,312.58
36,618.21
36,926.42
37,237.21
37,550.63
37,866.68
38,185.39
38,506.78
38,830.88

2,327,346.74
2,317,785.55
2,308,143.88
2,298,421.07
2,288,616.42
2,278,729.25
2,268,758.86
2,258,704.55
2,248,565.62
2,238,341.36
2,228,031.04
2,217,633.94
2,207,149.33
2,196,576.48
2,185,914.64
2,175,163.06
2,164,320.99
2,153,387.67
2,142,362.32
2,131,244.18
2,120,032.45
2,108,726.37
2,097,325.12
2,085,827.91
2,074,233.94
2,062,542.38
2,050,752.42
2,038,863.23
2,026,873.97
2,014,783.80
2,002,591.87
1,990,297.32
1,977,899.30
1,965,396.93
1,952,789.32
1,940,075.61
1,927,254.88
1,914,326.25
1,901,288.81
1,888,141.63
1,874,883.79
1,861,514.37
1,848,032.43
1,834,437.01
1,820,727.16

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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0.00

0.00
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0.00
0.00
0.00
0.00
0.00
0.00
0.00

39,157.71
39,487.29
39,819.64
40,154.79
40,492.76
40,833.57
41,177.25
41,523.83
41,873.32
42,225.75
42,581.15
42,939.54
43,300.95
43,665.40
44,032.92
44,403.53
44,777.26
45,154.13
45,534.18
45,917.43
46,303.90
46,693.62
47,086.63
47,482.94
47,882.59
48,285.60
48,692.00
49,101.83
49,515.10
49,931.85
50,352.11
50,775.91
51,203.28
51,634.24
52,068.82
52,507.07
52,949.01
53,394.66
53,844.06
54,297.25
54,754.25
55,215.10
55,679.83
56,148.47
56,621.05

1,806,901.92
1,792,960.32
1,778,901.37
1,764,724.10
1,750,427.50
1,736,010.57
1,721,472.30
1,706,811.67
1,692,027.64
1,677,119.18
1,662,085.24
1,646,924.76
1,631,636.69
1,616,219.94
1,600,673.43
1,584,996.07
1,569,186.76
1,553,244.39
1,537,167.84
1,520,955.97
1,504,607.66
1,488,121.75
1,471,497.08
1,454,732.49
1,437,826.79
1,420,778.81
1,403,587.34
1,386,251.17
1,368,769.09
1,351,139.87
1,333,362.27
1,315,435.05
1,297,356.93
1,279,126.66
1,260,742.95
1,242,204.51
1,223,510.04
1,204,658.22
1,185,647.74
1,166,477.25
1,147,145.40
1,127,650.85
1,107,992.22
1,088,168.13
1,068,177.18

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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0.00
0.00
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0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

57,097.61
57,578.18
58,062.80
58,551.49
59,044.30
59,541.26
60,042.40
60,547.75
61,057.36
61,571.26
62,089.49
62,612.08
63,139.06
63,670.48
64,206.37
64,746.78
65,291.73
65,841.27
66,395.43
66,954.26
67,517.79
68,086.07
68,659.13
69,237.01
69,819.75
70,407.40
71,000.00
71,597.58
72,200.19
72,807.88
73,420.68
74,038.63
74,661.79
75,290.20
75,923.89
76,562.91
77,207.32
77,857.15
78,512.45
79,173.26
79,839.63
80,511.62
81,189.26
81,872.60
82,561.69

1,048,017.98
1,027,689.11
1,007,189.13
986,516.61
965,670.10
944,648.13
923,449.23
902,071.90
880,514.64
858,775.95
836,854.29
814,748.12
792,455.89
769,976.03
747,306.97
724,447.11
701,394.85
678,148.56
654,706.62
631,067.37
607,229.16
583,190.32
558,949.14
534,503.94
509,852.99
484,994.56
459,926.90
434,648.26
409,156.86
383,450.90
357,528.59
331,388.09
305,027.58
278,445.20
251,639.09
224,607.36
197,348.11
169,859.43
142,139.39
114,186.04
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
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0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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0.00
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0.00
0.00
0.00

83,256.59
83,957.33
84,663.97
85,376.56
86,095.15
86,819.78
87,550.51
88,287.40
89,030.48
89,779.82
90,535.47
91,297.48
92,065.90
92,840.78
93,622.19
94,410.18
95,204.80
96,006.11
96,814.16
97,629.01
98,450.72
99,279.35
100,114.95
100,957.58
101,807.31
102,664.19
103,528.28
104,399.64
105,278.34
106,164.43
107,057.98
107,959.05
108,867.71
109,784.01
110,708.03
111,639.82
112,579.46
113,527.00
114,482.52
115,446.08
0.00
0.00
0.00
0.00
0.00

0.00
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0.00
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0.00
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0.00
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0.00
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0.00
0.00
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0.00
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0.00
0.00
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0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
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0.00
0.00
0.00
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0.00
0.00
0.00
0.00
0.00
0.00
0.00

daily basis. It also assumes

vary if the loan amount is

Book Balance
(End of Month)
(3,000,000.00)
(2,996,100.31)
(2,992,167.79)
(2,988,202.18)
(2,984,203.19)
(2,980,170.54)
(2,776,103.95)
(2,770,319.79)
(2,764,486.96)
(2,758,605.03)
(2,752,673.60)
(2,746,692.24)
(2,840,660.54)
(2,835,419.74)
(2,830,134.83)
(2,824,805.44)
(2,819,431.19)

(2,914,011.71)
(2,889,388.29)
(2,864,557.61)
(2,839,517.94)
(2,814,267.53)
(2,788,804.59)
(2,763,127.33)
(2,877,233.96)
(2,872,300.99)
(2,867,326.49)
(2,862,310.13)
(2,857,251.55)
(2,852,150.39)
(2,847,006.30)
(2,841,818.91)
(2,836,587.86)
(2,831,312.78)
(2,825,993.30)
(2,820,629.05)
(2,815,219.65)
(2,809,764.73)
(2,804,263.89)
(2,798,716.75)
(2,793,122.92)
(2,787,482.01)
(2,781,793.63)
(2,776,057.36)
(2,770,272.82)
(2,764,439.59)
(2,758,557.26)
(2,752,625.43)
(2,746,643.66)
(2,740,611.56)
(2,734,528.68)
(2,728,394.60)
(2,722,208.90)
(2,715,971.13)
(2,709,680.86)
(2,703,337.65)
(2,696,941.04)
(2,690,490.61)
(2,683,985.87)
(2,677,426.40)
(2,670,811.71)
(2,664,141.35)

(2,657,414.84)
(2,650,631.73)
(2,643,791.52)
(2,636,893.74)
(2,629,937.90)
(2,622,923.52)
(2,615,850.10)
(2,608,717.14)
(2,601,524.15)
(2,594,270.62)
(2,586,956.04)
(2,579,579.89)
(2,572,141.66)
(2,564,640.83)
(2,557,076.86)
(2,549,449.23)
(2,541,757.41)
(2,534,000.84)
(2,526,178.99)
(2,518,291.30)
(2,510,337.22)
(2,502,316.20)
(2,494,227.67)
(2,486,071.06)
(2,477,845.80)
(2,469,551.31)
(2,461,187.01)
(2,452,752.30)
(2,444,246.61)
(2,435,669.33)
(2,427,019.85)
(2,418,297.57)
(2,409,501.89)
(2,400,632.17)
(2,391,687.79)
(2,382,668.14)
(2,373,572.57)
(2,364,400.45)
(2,355,151.13)
(2,345,823.95)
(2,336,418.28)
(2,326,933.44)
(2,317,368.77)
(2,307,723.60)
(2,297,997.25)

(2,288,189.03)
(2,278,298.26)
(2,268,324.25)
(2,258,266.28)
(2,248,123.66)
(2,237,895.68)
(2,227,581.61)
(2,217,180.73)
(2,206,692.30)
(2,196,115.60)
(2,185,449.88)
(2,174,694.39)
(2,163,848.38)
(2,152,911.08)
(2,141,881.72)
(2,130,759.53)
(2,119,543.73)
(2,108,233.53)
(2,096,828.14)
(2,085,326.75)
(2,073,728.55)
(2,062,032.74)
(2,050,238.49)
(2,038,344.97)
(2,026,351.35)
(2,014,256.78)
(2,002,060.42)
(1,989,761.40)
(1,977,358.86)
(1,964,851.94)
(1,952,239.75)
(1,939,521.41)
(1,926,696.02)
(1,913,762.69)
(1,900,720.50)
(1,887,568.54)
(1,874,305.88)
(1,860,931.59)
(1,847,444.74)
(1,833,844.38)
(1,820,129.54)
(1,806,299.27)
(1,792,352.60)
(1,778,288.54)
(1,764,106.11)

(1,749,804.31)
(1,735,382.13)
(1,720,838.57)
(1,706,172.61)
(1,691,383.20)
(1,676,469.31)
(1,661,429.90)
(1,646,263.91)
(1,630,970.28)
(1,615,547.92)
(1,599,995.75)
(1,584,312.69)
(1,568,497.63)
(1,552,549.46)
(1,536,467.05)
(1,520,249.29)
(1,503,895.03)
(1,487,403.12)
(1,470,772.40)
(1,454,001.71)
(1,437,089.87)
(1,420,035.68)
(1,402,837.96)
(1,385,495.48)
(1,368,007.04)
(1,350,371.41)
(1,332,587.34)
(1,314,653.59)
(1,296,568.90)
(1,278,332.00)
(1,259,941.60)
(1,241,396.41)
(1,222,695.14)
(1,203,836.46)
(1,184,819.06)
(1,165,641.60)
(1,146,302.72)
(1,126,801.07)
(1,107,135.29)
(1,087,303.99)
(1,067,305.77)
(1,047,139.23)
(1,026,802.96)
(1,006,295.53)
(985,615.49)

(964,761.39)
(943,731.77)
(922,525.16)
(901,140.05)
(879,574.95)
(857,828.35)
(835,898.71)
(813,784.50)
(791,484.16)
(768,996.13)
(746,318.82)
(723,450.64)
(700,389.99)
(677,135.25)
(653,684.78)
(630,036.93)
(606,190.05)
(582,142.45)
(557,892.46)
(533,438.36)
(508,778.44)
(483,910.97)
(458,834.19)
(433,546.35)
(408,045.68)
(382,330.37)
(356,398.62)
(330,248.62)
(303,878.52)
(277,286.47)
(250,470.60)
(223,429.04)
(196,159.87)
(168,661.19)
(140,931.06)
(112,967.54)
(84,768.66)
(56,332.43)
(27,656.87)
1,260.04
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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