The Banking Toolkit

Calculators and reports for banking professionals.

Twenty-seven instruments, organised by purpose.
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I. Deposits & Savings for depositors and savers
6 tools

Compound Interest

Maturity value, effective yield, full year-by-year schedule.

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EPF

Employee + employer contributions, EPFO interest, retirement corpus.

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Fixed Deposit

Cumulative or payout. Senior rate. TDS-aware. Post-tax yield.

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PPF

Public Provident Fund. 15-year tax-free EEE projection.

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Recurring Deposit

Monthly deposit + quarterly compounding. Maturity and total interest.

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Sukanya Samriddhi

Girl-child EEE savings. 15 yr deposit, 21 yr maturity, tax-free.

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II. Loans for borrowers and loan officers
5 tools

EMI & Amortisation

Monthly instalment, principal-vs-interest split, full amortisation.

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Loan Comparison

Two offers side-by-side. EMI, interest, fee, total. Cheaper named.

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Loan Eligibility (FOIR)

Income, existing obligations, FOIR cap → maximum eligible loan.

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Prepayment Impact

Lump sum or recurring. Reduce tenure or EMI. Original vs new.

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Rent vs Buy

Net wealth at horizon. Buy with loan vs rent + invest.

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III. Investments for investors and wealth advisors
4 tools

CAGR

Compound Annual Growth Rate. Two values and a horizon.

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Inflation

What ₹X will cost in N years. Or today's equivalent.

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Lumpsum

One-time investment. FV, wealth gained, year-by-year corpus.

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SIP

Monthly SIP into mutual funds. Wealth gained, invested, return.

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IV. Retirement & Insurance for long-term planning
3 tools

Gratuity

Payment of Gratuity Act formula. ₹20 L tax-exempt cap.

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NPS

Corpus + 60% lump-sum + monthly pension. 80CCD(1B) extra ₹50k.

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Term Cover

Income Replacement + HLV + Need-Based — biggest wins.

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V. Tax for tax season & year-round filings
5 tools

Capital Gains

Equity, debt, real estate, gold. STCG vs LTCG, post-Budget 2024 rates.

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GST

Add or remove GST. CGST + SGST or IGST. Itemised totals.

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HRA Exemption

Section 10(13A) — minimum of three limbs. Metro vs non-metro.

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Income Tax · Old vs New

FY 2026-27. Both regimes computed. Cheaper one recommended.

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TDS

Section 194A interest TDS. Senior threshold, PAN-on-record handling.

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VI. Credit Appraisal for credit officers & chartered accountants
4 tools

CMA Data Report

Operating, Balance Sheet, MPBF (Tandon II), and key ratios.

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DSCR Certificate

CA-format Debt Service Coverage Ratio. Addressee, formula, UDIN.

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ICR Certificate

Interest Coverage Ratio in CA format. EBIT ÷ Interest.

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Working Capital Cycle

Inventory + debtor − creditor days. CCC and WC need.

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