Dropline repayment — visualize how your interest burden falls each month
Loan Setup
Cash Credit (CC)
Overdraft (OD)
Cash Credit (CC) — Dropline Repayment: You have an outstanding loan. Each month you pay a fixed
principal amount (agreed with the bank) on a chosen date. Interest is charged on the
remaining outstanding amount. As principal reduces, your interest burden drops every single month
until the loan is fully closed.
₹
10K5Cr
Total loan amount currently drawn / utilized
%
1%30%
Rate of interest charged on outstanding balance
₹
1K50L
Fixed amount paid toward principal each month (your choice)
Months to close: —
Month 1 interest: —
Month 1 total payment: —
Last month interest: —
Repayment Summary
Total Months
—
Total Interest Paid
—
Total Amount Paid
—
Avg Monthly Interest
—
Month 1 Payment
—
Last Month Payment
—
Interest-Only (Old Method)
Monthly Payment—
Loan Closes?Never
Annual Interest Cost—
10-year Interest Paid—
Dropline Repayment (Your Plan)
Closes In—
Total Interest Paid—
Interest Saved vs 10yr—
Last Month You Pay—
Monthly Payment Breakdown — Interest Declines Each Month
Interest (decreasing)
Principal (fixed)
Each bar = one month's total payment. The red (interest) portion
shrinks every month as your outstanding balance reduces. The
purple (principal) stays fixed.
Your total monthly outgo decreases month after month.