We are at Page2.html at step 2 in getting to BNV's INFLAPRO From the two previous sessions page0 and page 1 we have understood that we are in the world of inflation of the order of 10% barring food inflation which is of the order of 6%

where as investment on goverment securities or banks it is of the order of 8% only.

LIC pension schemes which is giving higher than other institution is of the order of 6.5% only.

So General investment will not be able to fight inflation. What all we can do is to plan wisely and do not spend all the interest that we are getting and to save some interest by reinvesting.

The inflapro is a solution that how much exact amount we should save from the interest and reinvest within a specified time limit.

In this session let us discuss 3 methods of return on investment.

• Method 1: Diminishing balance method which was prevailing in banks before 1990.
• Method 2: EMI or uniform rate of return as prevailing now in the banking institutions.
• Method 3: BN Venkataraman's invention since 2010 just in the computor stage. Not yet available in banking and other financial institutions.

In this session itself let us discuss about diminishing balance method of return to a lending phenomina.
explained in table form and the table is also called as audit table.

Here is a SAMPLE AUDIT TABLE for DIM.BAL

Please change the parameters in custom menu below and see BOTH AUDIT TABLES for your CHOICE as separate
year	Principal	interest	Payout toword Princ.	Total repay	carry over

AUDIT TABLE for EMI follows:

CUSTOM MENU FOR VIEWING EMI TABLE and graph
Principal	rate of intt%pa	Term	dummy