info@suryadpr.com

+91 6309001605


	Home About Us Services Detailed Project Report (DPR) Credit Monitoring Arrangement (CMA) Provisional & Projections Cash Budgets DSCR & ISCR Calculations Cash Flow Statements Funds Flow Statements Ratio Analysis Loan Repayment Schedule Maximum Permissible Bank Finances (MPBF Calculations) Loan Documentation Pricing Brochures Register Login Contact Us

Loan Repayment Schedule

A Loan Repayment Schedule is a detailed plan that outlines how a borrower will repay a loan over a specific period. It includes the amount of each installment, the due dates, and a breakdown of principal and interest components. This schedule provides transparency to both lenders and borrowers, ensuring clarity on repayment obligations and helping in effective financial planning.

Objectives of Loan Repayment Schedule

The main objective of a Loan Repayment Schedule is to provide a clear and systematic repayment structure for borrowers, while enabling lenders to monitor and manage loan collections. It helps borrowers understand the exact timeline and amount they need to pay, reduces confusion, and minimizes the chances of default. For lenders, it ensures consistent cash inflow and proper loan tracking.

Benefits of Loan Repayment Schedule

*Provides clarity on repayment timelines.	*Ensures lenders have predictable cash inflows.
*Helps borrowers plan monthly budgets effectively.	*Helps borrowers track loan progress over time.
*Breaks down principal and interest for better understanding.	*Allows prepayment planning and financial flexibility.
*Reduces risk of missed payments or defaults.	*Reduces disputes by documenting repayment terms.
*Creates transparency between borrower and lender.	*Builds borrower's credit discipline and trustworthiness.

Types of Loan Repayment Schedule

Fixed EMI Repayment Schedule

In this format, the borrower pays a fixed EMI each month, covering both principal and interest, with interest higher at the start and principal increasing later. It is the most common type for home, car, and personal loans.

Fixed Principal Repayment Schedule

In this format, a fixed principal is paid monthly along with interest on the remaining balance, causing installments to reduce over time. It is common for long-term business or project loans.

Flexible / Moratorium-Based Repayment Schedule

Some loans offer a moratorium period where only interest or no payments are made, with regular repayments starting later. This is common in education and business/project loans.