Test Investor 1790255820989

Auto-saved Reducing Balance Return (Amortisation)

Client Name

Start Date

Investment Amount (₹)

Return Rate

Return Calculation Model

Reducing Balance Return Amortisation

Return computed on active opening investment.

Chakravarti Return चक्रवृद्धि ब्याज

Unpaid return is added to investment; return % applied on new higher investment.

Fixed Return Flat Rate

Flat return computed on original investment until settled.

Unpaid Return Handling Carry-Forward Unpaid Return

Payment Allocation Priority

Executive Summary

1 Periods

Original Investment
₹200,000.00

Return Rate & Method

2.5% (Red.)

Total Received

₹0.00

Return Accrued

₹1,666.67

Return Paid

₹0.00

Investment Returned

₹0.00

Investment Balance

₹200,000.00

Total Outstanding

₹201,666.67

Schedule & Receipts

1 periods

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Calculation Rules & Reference

1. Reducing Balance Return (Amortisation)

Return is calculated strictly on the Opening Investment of each period. As investment is returned, the return charge decreases proportionately.

Return = Opening Investment × (Rate% ÷ 100) × (Days ÷ PeriodDays)

Standard in structured investments and amortised capital schedules.

2. Fixed / Flat Rate on Investment

Return is calculated on the Original Investment Amount throughout the tenure, until the investment is fully settled.

Return = Original Investment × (Rate% ÷ 100) × (Days ÷ PeriodDays)

Common in fixed-return promissory notes, fixed-yield private placements, and structured return schedules.

3. Chakravarti Return (चक्रवृद्धि ब्याज)

Unpaid periodic return is automatically capitalized and merged directly into the investment balance at the end of the period. In subsequent periods, the return percentage is computed on this expanded new investment:

Closing Investment = Opening Investment - Investment Returned + Unpaid Return
Next Period Return = New Investment × (Rate% ÷ 100)

Compounding return model where unpaid returns compound continuously as new investment.

4. Return Cleared First Allocation

Whenever a receipt is logged, it clears return due first:

Return Paid = min(Received, Return Due)
Investment Returned = min(Opening Investment, Received - Return Paid)

Guarantees investor return is paid in full before capital recovery begins.

5. Investment First Allocation

When "Investment First" priority is selected, receipts reduce investment balance first:

Investment Returned = min(Opening Investment, Received)
Return Paid = min(Return Due, Received - Investment Returned)

Useful in capital-preservation arrangements to aggressively extinguish investment balance.

6. Carry-Forward vs Current Only

Carry-Forward Enabled: Any uncleared return rolls forward into the subsequent period's total due.
Carry-Forward Disabled: Each period's return due reflects solely that month's return. Unpaid return does not accumulate into future periodic demand.