Loan portfolio
Selected loan snapshot
Loan accounts
Loan profile
EditableInterest rate change history
Effective-date based calculationThe app estimates a rate separately for every usable interest-posting period. If your bank changes the rate mid-month (for example, on the 15th), enter the new rate and its exact effective date below. The app cannot infer the exact change day from a single monthly interest debit. Future interest uses the effective-date history and ACT/365.
| Effective date | Rate | Status | Action |
|---|
Auto-calculated rate by interest transaction
One estimate per interest posting period| Interest posting date | Interest debited | Days | Calculated annual rate | Change vs previous |
|---|---|---|---|---|
| No calculated periods yet. | ||||
Record transaction
No loan selectedTransaction register
| Date | Loan | Type | Amount | Interest | Principal | Remarks | Action |
|---|
Imported loan statement ledger
The statement records 38 “O.S. DEPOSIT TRANSFER” credits: 29 transactions of ₹20,000 and 9 of ₹10,000. The latest was ₹10,000 on 09/10/2026. This differs from the ₹7,000 EMI shown in the account summary. Forecast monthly credit is therefore prefilled at ₹10,000, separately from the bank-stated EMI. Change it if your future payment plan differs. Statement printed on 04/11/2026; interest calculation starts on 01/11/2026 after the 31/10/2026 month-end posting. The statement print date is retained as metadata only. Original debit, credit and running balance are preserved. This historical ledger is separate from future/manual transactions.
| Date | Statement description | Debit | Credit | Balance (DR) | Rate p.a. | Page |
|---|
SBI interest-calculation calibration
The statement's 38 monthly “PART PERIOD INTEREST” postings were tested against a daily reducing-balance calculation using effective rate dates and value-date transactions. The unrounded model differs by at most ₹0.61 per posting. After nearest-rupee rounding, 33 of 38 match exactly and 5 differ by ₹1.
- Interest accrues daily on the outstanding balance.
- Annual rate is divided by 365.
- Payments affect the balance on their value date.
- Rate revisions apply from their recorded effective date.
- Accumulated interest is rounded to the nearest rupee and posted at month-end (five historical entries differ by ₹1 after rounding).
This is a strong historical calibration for this statement. Future results remain estimates if SBI changes conventions, value dates, rates or account instructions.
Upload lender statement PDF
Choose a text-based PDF statement. The app extracts text in your browser and attempts to identify transaction rows. PDF.js is loaded from a public CDN when this page is online.
Statement details
Extracted text
Review extracted transactions
Review date, type and amounts carefully. Rows are suggestions generated from statement text; descriptions and column layouts differ by lender.
| Import | Date | Type | Amount | Interest | Principal | Narration |
|---|---|---|---|---|---|---|
| No transactions parsed yet. | ||||||
Future repayment / what-if calculator
Choose a future date and repayment amount. The SBI-calibrated engine accrues interest daily, applies payments on their value date, and posts accumulated interest at month-end. Add several planned transactions to model a sequence.
Result at proposed date
Planned future transactions
| Date | Loan | Type | Amount | Action |
|---|
Planned transactions are scenarios only. They do not alter actual loan records unless you explicitly confirm and record them after payment.
Projected amortization
Daily reducing-balance projection (ACT/365). Interest starts on the configured interest calculation start date, repayments apply on their value date, and accrued interest is posted at month-end. The PDF print date does not determine the interest start date.
| # | Due date | Opening | Interest | Principal | Monthly credit | Closing |
|---|
Loan-wise summary
| Loan | Category | Original amount | Outstanding | EMI | Latest rate | EMI recorded | Additional credits | Principal repaid | Interest debited | Other debits |
|---|
Month-wise interest reconciliation
Shows the actual interest debit in the lender statement and the implied annual rate calculated from daily outstanding balances (ACT/365). The implied rate is derived from statement data; it is not a bank-confirmed rate unless the lender separately confirms it.
| Interest period | Posting date | Interest debited | Days | Average daily balance | Implied annual rate | Calculation status |
|---|---|---|---|---|---|---|
| Total | ₹0 | |||||
Statement cash-flow reconciliation
| Loan | Statement entries | Interest debits | EMI / regular credits | Other credits | Principal repaid | Disbursements | Returned / reversed payments | Charges / other debits | Closing balance |
|---|
Principal repaid is calculated from actual statement balance reductions on credit entries, less identified returned/reversed principal payments. Returned/reversed payments are shown separately and are not bank charges. Loan disbursements are classified separately, including SBI third-party cheque advances.