RESTRUCTURING OF BANK LOANS
(SIMPLE FORM)



The restructuring is classified into
Simple restructuring of Loan and Advancd form of restructuring.


The Simple form is mentioned first in the following pages the advanced form is
explained in later pages.
  • The principal (loan amount) is considered as ₹
  • The total term for restructuring is considered as years or months.
  • The interest rate is not changed The rate considered is %
  • Moratorium period is consided to be for months.
  • The interest is applied at the prescribed rate but no payment of interest or towards principal during this moratorium period.
  • Ater the moratorium period the Amount due would be not ₹ but will be ₹
  • During Covid restructuing term only interest be paid keeping the EMI pending and loan amt is fully due.
  • Further Term after moratorium considerd is months. During this period the only interest amount @ % , the interest works out to ₹ every month.
  • During this period it is suggested that only interest is paid at the rate of months.
  • After this term EMI to be reworked on this due amount. term such as 10 years or 15 years or 20 years. as the case may be.
  • for further years means the with EMI @₹ per lac applied on above due amt works out to ₹

RESTRUCTURING OF BANK LOANS
(SIMPLE FORM SUMMARY)



INPUT Edit and < enter >
Principal
 
restructuring term Years
 
Rate of Interest: % pa
 
Moratorium: months
 
restruct further term Years
 
RESULTS
Added Principal during moratorium: ₹
 
Repay towd intt. after Moratorium: ₹ p.m x months
 
EMI after covid term: ₹ p.m x months
 

RESTRUCTURING OF BANK LOANS
(ADVANCED FORM COVERING INFLATION PROTECTION)

Inflation %  |   trylibcalc

Factor
globalloan
startbf



DURING COVID TERM of years
Added Principal
during moratorium: 		₹
 
Repay towd intt.
after Moratorium: 		₹ p.m x
POSTCOVID TERM SCHEDULE YEAR vs REPAYMENT P.M.
(ADVANCED FORM - AUDIT TABLE DURING RESTRUCTURE TERM)
(ADVANCED FORM - AUDIT TABLE POSTCOVID TERM)
LOAN RESTRUCTURING (ABOUT ADVANCED FORM & INFLAPRO)*
GENERAL:
  • The Starting loan Amt(principal) is ₹
  • During Moratorium interest is posted but
    repayment is Nil.
  • In conventional system or Simple form the repayment is a uniform rate of (EMI) after Moratorium
  • During COVID term there is added value to the principal
  • In Simple Form the EMI postcovid term is uniform.

  • In Advanced Form of Restructuring the repayment varies as per INFLATION PROTECTION the repayment varies
    year by year.
  • The Added Principal at start of post covid term remains the same.
  • In Advanced form or inflapro option during
  • POST COVID also varies.
  • The money lender gets inflation protection of % pa.

VALUES FOR GIVEN PARAMETER:
  • loanAmt is ₹
  • Repayment during Moratorium of months is Nil.
  • conventional Repay: ₹ per month
    x months.
  • The added Principal is ₹
  • POST EMI:₹
    x months.
  • IN INFLAPRO:
    During COVID TERM repayment varies from ₹ to
  • The added Principal is ₹
  • The repayment during POST COVID TERM:
  • varies from ₹ to p.m.
  • Percentage of repayment varies
    from % to %
Given parameters: Principal: ₹ , Rate of intt. % pa monthly compounded, inflation protection %, Covid TERM years, Moratorium months, POST COVID TERM Period years.
*The whole concept of advanced form is that the customers are unable to bear the high interest for the time being and will be in a good position to make the loss of low rate of interest during COVID PERIOD in later years. This is taken care of in the INFLAPRO concept.
There is no loss of interest in the nutshell to the bankers.
To EDIT input parmeters in webpage use double click at the respective input box (applicable only for this program). More about inflapro calculations are provided in webpages: http://www.bnvenkat.com