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A GROSS MARGIN IS CALCULATED ON TURNOVER IN A YEAR IS TREATED AS PROFIT.50% OF THAT PROFIT IS DIVIDED BY 12 GIVES US  MONTHLY  INCOME.IF LOANS ARE RUNNING,THEN EMI OF THAT LOANS ARE DEDUCTED FROM MONTHLY INCOME & WE GET THE AMOUNT WHICH CAN BE PAID FOR EMI.AFTER THAT WE DIVIDE THAT AMOUNT FROM PER LAC EMI  GIVES US THE LOAN AMOUNT .I.E

MONTHLY INCOME –ALREADY RUNNING MONTHLY EMI=EMI PAYABLE

THEN EMI PAYABLE/ PER LAC EMI=LOAN AMOUNT
(EMI IS ESTIMATED MONTHLY INSTALLMENT )

WE CONSIDER NET PROFIT OF FIRMS .I.E
FOR PROPREITORSHIP, NET PROFIT ADD 100% DEPRECIATION ,DOUBLE OF THAT AMOUNT IS LOAN AMOUNT.
FOR PARTNERSHIP,NET PROFIT ADD 100%DEPRECIATION ADD PARTNERS SALARY ADD INTEREST ON CAPITAL ,DOUBLE OF THAT AMOUNT IS LOAN AMOUNT
FOR PRIVATE LIMITED, NET PROFIT ADD 100%DEPRECIATION ADD DIRECTOR SALARY ADD INTEREST ON CAPITAL ,DOUBLE OF THAT AMOUNT IS LOAN AMOUNT
IF ALREADY LOANS ARE RUNNING THEN IT IS DEDUCTED FROM LOAN AMOUNT.

ATLEAST 2 YEARS CONTINUITY IS REQUIRED IN BUSINESS.

 

 
EMI Calculator
 
 
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