Principal: ₹115000
Interest Rate: 31.5%
Tenure: 36 months
Monthly EMI: ₹4976.89
Total Penalty Accrued: ₹500
| Month | EMI Amount | Interest Component | Principal Component | Balance | Penalty | Penalty Paid | Total Penalty |
|---|---|---|---|---|---|---|---|
| 1 | 4,977 | 3019 | 1958 | 113042 | 0 | No | 0 |
| 2 | 4,977 | 2967 | 2010 | 111532 | 500 | No | 500 |
| 3 | 4,977 | 2928 | 2049 | 109483 | 0 | No | 500 |
| 4 | 4,977 | 2874 | 2103 | 107380 | 0 | No | 500 |
| 5 | 4,977 | 2819 | 2158 | 105222 | 0 | No | 500 |
| 6 | 4,977 | 2762 | 2215 | 103007 | 0 | No | 500 |
| 7 | 4,977 | 2704 | 2273 | 100734 | 0 | No | 500 |
| 8 | 4,977 | 2644 | 2333 | 98401 | 0 | No | 500 |
| 9 | 4,977 | 2583 | 2394 | 96007 | 0 | No | 500 |
| 10 | 4,977 | 2520 | 2457 | 93550 | 0 | No | 500 |
| 11 | 4,977 | 2456 | 2521 | 91029 | 0 | No | 500 |
| 12 | 4,977 | 2390 | 2587 | 88442 | 0 | No | 500 |
| 13 | 4,977 | 2322 | 2655 | 85787 | 0 | No | 500 |
| 14 | 4,977 | 2252 | 2725 | 83062 | 0 | No | 500 |
| 15 | 4,977 | 2180 | 2797 | 80265 | 0 | No | 500 |
| 16 | 4,977 | 2107 | 2870 | 77395 | 0 | No | 500 |
| 17 | 4,977 | 2032 | 2945 | 74450 | 0 | No | 500 |
| 18 | 4,977 | 1954 | 3023 | 71427 | 0 | No | 500 |
| 19 | 4,977 | 1875 | 3102 | 68325 | 0 | No | 500 |
| 20 | 4,977 | 1794 | 3183 | 65142 | 0 | No | 500 |
| 21 | 4,977 | 1710 | 3267 | 61875 | 0 | No | 500 |
| 22 | 4,977 | 1624 | 3353 | 58522 | 0 | No | 500 |
| 23 | 4,977 | 1536 | 3441 | 55081 | 0 | No | 500 |
| 24 | 4,977 | 1446 | 3531 | 51550 | 0 | No | 500 |
| 25 | 4,977 | 1353 | 3624 | 47926 | 0 | No | 500 |
| 26 | 4,977 | 1258 | 3719 | 44207 | 0 | No | 500 |
| 27 | 4,977 | 1160 | 3817 | 40390 | 0 | No | 500 |
| 28 | 4,977 | 1060 | 3917 | 36473 | 0 | No | 500 |
| 29 | 4,977 | 957 | 4020 | 32453 | 0 | No | 500 |
| 30 | 4,977 | 852 | 4125 | 28328 | 0 | No | 500 |
| 31 | 4,977 | 744 | 4233 | 24095 | 0 | No | 500 |
| 32 | 4,977 | 632 | 4345 | 19750 | 0 | No | 500 |
| 33 | 4,977 | 518 | 4459 | 15291 | 0 | No | 500 |
| 34 | 4,977 | 401 | 4576 | 10715 | 0 | No | 500 |
| 35 | 4,977 | 281 | 4696 | 6019 | 0 | No | 500 |
| 36 | 4,977 | 158 | 4819 | 1200 | 0 | No | 500 |