Year

1
2
3
4
5
6
7
8
9
10
11
Gross Interest
Remaining Tax
Tax @ Remaining
Net Interest Income
Total Repayment
PV at 7%

Cash Flows
$500,000.00
$551,906.45
$609,201.45
$672,444.41
$742,252.81
$819,308.22
$904,362.97
$998,247.51
$1,101,878.47
$1,216,267.66
$1,342,531.92
$842,531.92
0.309
$260,342.36
$582,189.56
$1,082,189.56
$550,130.29

TDS
0
0
0
0
0
0
0
0
0
0

Interest Rate
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1

Compounded
4
4
4
4
4
4
4
4
4
4

Multiplier for the

1.10
1.10
1.10
1.10
1.10
1.10
1.10
1.10
1.10
1.10

$551,906.45
$609,201.45
$672,444.41
$742,252.81
$819,308.22
$904,362.97
$998,247.51
$1,101,878.47
$1,216,267.66
$1,342,531.92

Interest
$51,906.45
$57,295.00
$63,242.96
$69,808.40
$77,055.41
$85,054.75
$93,884.53
$103,630.96
$114,389.19
$126,264.26

Tax
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00

Interest Net of TDS

$51,906.45
$57,295.00
$63,242.96
$69,808.40
$77,055.41
$85,054.75
$93,884.53
$103,630.96
$114,389.19
$126,264.26

Year
1
2
3
4
5
6
7
8
9
10

Total if money
PV if reinvested

Cash Flows
$500,000.00
$500,000.00
$500,000.00
$500,000.00
$500,000.00
$500,000.00
$500,000.00
$500,000.00
$500,000.00
$500,000.00

$1,116,203.98
$567,421.51

Interest Rate
0.087
0.087
0.087
0.087
0.087
0.087
0.087
0.087
0.087
0.087
Total Cash

Interest Amount
43500
43500
43500
43500
43500
43500
43500
43500
43500
543500
$935,000.00

Discount Rate
0.07
0.07
0.07
0.07
0.07
0.07
0.07
0.07
0.07
0.07
Total

Present Value of
40,654.21
37,994.58
35,508.96
33,185.94
31,014.90
28,985.89
27,089.61
25,317.40
23,661.12
276,287.84
$559,700.44

Compound 8,200 at
$92,162.69
$84,786.29
$78,000.26
$71,757.37
$66,014.14
$60,730.58
$55,869.90
$51,398.25
$47,284.50
$8,200.00
$616,203.98

Scenario
If money in either is NOT
If money in either is reinvested
If money from PFC is not
Present value of money if money

NHAI Bond
182,000.00
219,923.00
182,000.00
119,924.00

SBI Fixed Deposit

166,170.00
203,335.00
203,335.00
103,365.00

9576

95760

29589.84

66170.16