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Cash Credit / OD Calculator

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.
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10K 5Cr
Total loan amount currently drawn / utilized
%
1% 30%
Rate of interest charged on outstanding balance
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1K 50L
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
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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.
Month-by-Month Repayment Schedule
Month Opening Balance Interest Charged Principal Paid Total Payment Closing Balance Int % of Payment