Retail Loan in Banking

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Mr. Akshay an IT Professional is drawing salary of Rs. 80000 p.m.

He has planned to buy a house costing Rs. 60 Lacs. Since he does not have the required amount
He has decided to raise Housing Loan of Rs. 40 Lacs and the balance amount of Rs. 20 lacs is avaialble with him as savings.
The details of his salary as per last month July 2019 Salary slip is as under:

1 Basic 35000
2 Dearness Allowance 22500
3 House Rent Allowance 11500
4 Conveyance Allowance 9000
5 Special Allowance 2000
Total Earnings ( A ) 80000

Deductions

1 Provident Fund 2,917


4 Income Tax 3,000
3 Other Deductions (if any) 0

Total Deduction 5,917


Net Salary 74083

Date of joining the Company 15.04.2011


date of birth 24.08.1986
Date of superannuation 31.08.2046

Salary details for FY 2018-19 as per Form 16

1 Basic 384000
2 Dearness Allowance 252000
3 House Rent Allowance 138000
4 Conveyance Allowance 96000
5 Special Allowance 24000
6 Incentive annual 75000
Total Earnings ( A ) 969000

Deductions

1 Provident Fund 32,000

Total Deduction 32,000


avaialble with him as savings.
ROI 9%
Repayment 20 years
cc Loan interest total Instal Bal
Sep-19 4000000 30000 4030000 35989 3994011
Oct-19 3994011 29955 4023966 35989 3987977
Nov-19 3987977 29910 4017887 35989 3981898
Dec-19 3981898 29864 4011762 35989 3975773
Jan-20 3975773 29818 4005591 35989 3969602 Rs. -35,989.04
Feb-20 3969602 29772 3999374 35989 3963385
Mar-20 3963385 29725 3993111 35989 3957122
Apr-20 3957122 29678 3986800 35989 3950811
May-20 3950811 29631 3980442 35989 3944453
Jun-20 3944453 29583 3974037 35989 3938048
Jul-20 3938048 29535 3967583 35989 3931594
Aug-20 3931594 29487 3961081 35989 3925092
Sep-20 3925092 29438 3954530 35989 3918541
Oct-20 3918541 29389 3947930 35989 3911941
Nov-20 3911941 29340 3941281 35989 3905292
Dec-20 3905292 29290 3934582 35989 3898593
Jan-21 3898593 29239 3927832 35989 3891843
Feb-21 3891843 29189 3921032 35989 3885043
Mar-21 3885043 29138 3914181 35989 3878192
Apr-21 3878192 29086 3907278 35989 3871289
May-21 3871289 29035 3900324 35989 3864335
Jun-21 3864335 28983 3893317 35989 3857328
Jul-21 3857328 28930 3886258 35989 3850269
Aug-21 3850269 28877 3879146 35989 3843157
Sep-21 3843157 28824 3871981 35989 3835992
Oct-21 3835992 28770 3864762 35989 3828773
Nov-21 3828773 28716 3857489 35989 3821500
Dec-21 3821500 28661 3850161 35989 3814172
Jan-22 3814172 28606 3842778 35989 3806789
Feb-22 3806789 28551 3835340 35989 3799351
Mar-22 3799351 28495 3827846 35989 3791857
Apr-22 3791857 28439 3820296 35989 3784307
May-22 3784307 28382 3812689 35989 3776700
Jun-22 3776700 28325 3805026 35989 3769037
Jul-22 3769037 28268 3797305 35989 3761316
Aug-22 3761316 28210 3789525 35989 3753536
Sep-22 3753536 28152 3781688 35989 3745699
Oct-22 3745699 28093 3773792 35989 3737803
Nov-22 3737803 28034 3765836 35989 3729847
Dec-22 3729847 27974 3757821 35989 3721832
Jan-23 3721832 27914 3749746 35989 3713757
Feb-23 3713757 27853 3741610 35989 3705621
Mar-23 3705621 27792 3733413 35989 3697424
Apr-23 3697424 27731 3725155 35989 3689166
May-23 3689166 27669 3716835 35989 3680846
Jun-23 3680846 27606 3708452 35989 3672463
Jul-23 3672463 27543 3700006 35989 3664017
Aug-23 3664017 27480 3691497 35989 3655508
Sep-23 3655508 27416 3682925 35989 3646936
Oct-23 3646936 27352 3674288 35989 3638299
Nov-23 3638299 27287 3665586 35989 3629597
Dec-23 3629597 27222 3656819 35989 3620830
Jan-24 3620830 27156 3647986 35989 3611997
Feb-24 3611997 27090 3639087 35989 3603098
Mar-24 3603098 27023 3630121 35989 3594132
Apr-24 3594132 26956 3621088 35989 3585099
May-24 3585099 26888 3611988 35989 3575999
Jun-24 3575999 26820 3602819 35989 3566830
Jul-24 3566830 26751 3593581 35989 3557592
Aug-24 3557592 26682 3584274 35989 3548285
Sep-24 3548285 26612 3574897 35989 3538908
Oct-24 3538908 26542 3565450 35989 3529461
Nov-24 3529461 26471 3555932 35989 3519943
Dec-24 3519943 26400 3546342 35989 3510353
Jan-25 3510353 26328 3536681 35989 3500692
Feb-25 3500692 26255 3526947 35989 3490958
Mar-25 3490958 26182 3517140 35989 3481151
Apr-25 3481151 26109 3507260 35989 3471271
May-25 3471271 26035 3497306 35989 3461317
Jun-25 3461317 25960 3487276 35989 3451287
Jul-25 3451287 25885 3477172 35989 3441183
Aug-25 3441183 25809 3466992 35989 3431003
Sep-25 3431003 25733 3456735 35989 3420746
Oct-25 3420746 25656 3446402 35989 3410413
Nov-25 3410413 25578 3435991 35989 3400002
Dec-25 3400002 25500 3425502 35989 3389513
Jan-26 3389513 25421 3414934 35989 3378945
Feb-26 3378945 25342 3404288 35989 3368299
Mar-26 3368299 25262 3393561 35989 3357572
Apr-26 3357572 25182 3382754 35989 3346765
May-26 3346765 25101 3371865 35989 3335876
Jun-26 3335876 25019 3360895 35989 3324906
Jul-26 3324906 24937 3349843 35989 3313854
Aug-26 3313854 24854 3338708 35989 3302719
Sep-26 3302719 24770 3327490 35989 3291501
Oct-26 3291501 24686 3316187 35989 3280198
Nov-26 3280198 24601 3304799 35989 3268810
Dec-26 3268810 24516 3293326 35989 3257337
Jan-27 3257337 24430 3281767 35989 3245778
Feb-27 3245778 24343 3270122 35989 3234133
Mar-27 3234133 24256 3258389 35989 3222400
Apr-27 3222400 24168 3246568 35989 3210579
May-27 3210579 24079 3234658 35989 3198669
Jun-27 3198669 23990 3222659 35989 3186670
Jul-27 3186670 23900 3210570 35989 3174581
Aug-27 3174581 23809 3198390 35989 3162401
Sep-27 3162401 23718 3186119 35989 3150130
Oct-27 3150130 23626 3173756 35989 3137767
Nov-27 3137767 23533 3161301 35989 3125312
Dec-27 3125312 23440 3148752 35989 3112763
Jan-28 3112763 23346 3136108 35989 3100119
Feb-28 3100119 23251 3123370 35989 3087381
Mar-28 3087381 23155 3110536 35989 3074547
Apr-28 3074547 23059 3097607 35989 3061618
May-28 3061618 22962 3084580 35989 3048591
Jun-28 3048591 22864 3071455 35989 3035466
Jul-28 3035466 22766 3058232 35989 3022243
Aug-28 3022243 22667 3044910 35989 3008921
Sep-28 3008921 22567 3031488 35989 2995499
Oct-28 2995499 22466 3017965 35989 2981976
Nov-28 2981976 22365 3004341 35989 2968352
Dec-28 2968352 22263 2990615 35989 2954626
Jan-29 2954626 22160 2976785 35989 2940796
Feb-29 2940796 22056 2962852 35989 2926863
Mar-29 2926863 21951 2948815 35989 2912826
Apr-29 2912826 21846 2934672 35989 2898683
May-29 2898683 21740 2920423 35989 2884434
Jun-29 2884434 21633 2906067 35989 2870078
Jul-29 2870078 21526 2891604 35989 2855615
Aug-29 2855615 21417 2877032 35989 2841043
Sep-29 2841043 21308 2862351 35989 2826362
Oct-29 2826362 21198 2847560 35989 2811571
Nov-29 2811571 21087 2832657 35989 2796668
Dec-29 2796668 20975 2817643 35989 2781654
Jan-30 2781654 20862 2802517 35989 2766528
Feb-30 2766528 20749 2787277 35989 2751288
Mar-30 2751288 20635 2771922 35989 2735933
Apr-30 2735933 20520 2756453 35989 2720464
May-30 2720464 20403 2740867 35989 2704878
Jun-30 2704878 20287 2725165 35989 2689176
Jul-30 2689176 20169 2709345 35989 2673356
Aug-30 2673356 20050 2693406 35989 2657417
Sep-30 2657417 19931 2677348 35989 2641359
Oct-30 2641359 19810 2661169 35989 2625180
Nov-30 2625180 19689 2644869 35989 2608880
Dec-30 2608880 19567 2628446 35989 2592457
Jan-31 2592457 19443 2611901 35989 2575912
Feb-31 2575912 19319 2595231 35989 2559242
Mar-31 2559242 19194 2578436 35989 2542447
Apr-31 2542447 19068 2561516 35989 2525527
May-31 2525527 18941 2544468 35989 2508479
Jun-31 2508479 18814 2527293 35989 2491304
Jul-31 2491304 18685 2509988 35989 2473999
Aug-31 2473999 18555 2492554 35989 2456565
Sep-31 2456565 18424 2474990 35989 2439001
Oct-31 2439001 18293 2457293 35989 2421304
Nov-31 2421304 18160 2439464 35989 2403475
Dec-31 2403475 18026 2421501 35989 2385512
Jan-32 2385512 17891 2403403 35989 2367414
Feb-32 2367414 17756 2385170 35989 2349181
Mar-32 2349181 17619 2366800 35989 2330811
Apr-32 2330811 17481 2348292 35989 2312303
May-32 2312303 17342 2329645 35989 2293656
Jun-32 2293656 17202 2310859 35989 2274870
Jul-32 2274870 17062 2291931 35989 2255942
Aug-32 2255942 16920 2272862 35989 2236873
Sep-32 2236873 16777 2253649 35989 2217660
Oct-32 2217660 16632 2234293 35989 2198304
Nov-32 2198304 16487 2214791 35989 2178802
Dec-32 2178802 16341 2195143 35989 2159154
Jan-33 2159154 16194 2175348 35989 2139359
Feb-33 2139359 16045 2155404 35989 2119415
Mar-33 2119415 15896 2135310 35989 2099321
Apr-33 2099321 15745 2115066 35989 2079077
May-33 2079077 15593 2094670 35989 2058681
Jun-33 2058681 15440 2074122 35989 2038133
Jul-33 2038133 15286 2053419 35989 2017430
Aug-33 2017430 15131 2032560 35989 1996571
Sep-33 1996571 14974 2011546 35989 1975557
Oct-33 1975557 14817 1990373 35989 1954384
Nov-33 1954384 14658 1969042 35989 1933053
Dec-33 1933053 14498 1947551 35989 1911562
Jan-34 1911562 14337 1925899 35989 1889910
Feb-34 1889910 14174 1904084 35989 1868095
Mar-34 1868095 14011 1882106 35989 1846117
Apr-34 1846117 13846 1859963 35989 1823974
May-34 1823974 13680 1837653 35989 1801664
Jun-34 1801664 13512 1815177 35989 1779188
Jul-34 1779188 13344 1792532 35989 1756543
Aug-34 1756543 13174 1769717 35989 1733728
Sep-34 1733728 13003 1746731 35989 1710742
Oct-34 1710742 12831 1723572 35989 1687583
Nov-34 1687583 12657 1700240 35989 1664251
Dec-34 1664251 12482 1676733 35989 1640744
Jan-35 1640744 12306 1653050 35989 1617061
Feb-35 1617061 12128 1629189 35989 1593200
Mar-35 1593200 11949 1605149 35989 1569160
Apr-35 1569160 11769 1580928 35989 1544939
May-35 1544939 11587 1556526 35989 1520537
Jun-35 1520537 11404 1531941 35989 1495952
Jul-35 1495952 11220 1507172 35989 1471183
Aug-35 1471183 11034 1482217 35989 1446228
Sep-35 1446228 10847 1457075 35989 1421086
Oct-35 1421086 10658 1431744 35989 1395755
Nov-35 1395755 10468 1406223 35989 1370234
Dec-35 1370234 10277 1380511 35989 1344522
Jan-36 1344522 10084 1354606 35989 1318617
Feb-36 1318617 9890 1328506 35989 1292517
Mar-36 1292517 9694 1302211 35989 1266222
Apr-36 1266222 9497 1275719 35989 1239730
May-36 1239730 9298 1249028 35989 1213039
Jun-36 1213039 9098 1222137 35989 1186148
Jul-36 1186148 8896 1195044 35989 1159055
Aug-36 1159055 8693 1167748 35989 1131759
Sep-36 1131759 8488 1140247 35989 1104258
Oct-36 1104258 8282 1112540 35989 1076551
Nov-36 1076551 8074 1084625 35989 1048636
Dec-36 1048636 7865 1056501 35989 1020512
Jan-37 1020512 7654 1028165 35989 992176
Feb-37 992176 7441 999618 35989 963629
Mar-37 963629 7227 970856 35989 934867
Apr-37 934867 7012 941878 35989 905889
May-37 905889 6794 912684 35989 876695
Jun-37 876695 6575 883270 35989 847281
Jul-37 847281 6355 853635 35989 817646
Aug-37 817646 6132 823779 35989 787790
Sep-37 787790 5908 793698 35989 757709
Oct-37 757709 5683 763392 35989 727403
Nov-37 727403 5456 732859 35989 696870
Dec-37 696870 5227 702096 35989 666107
Jan-38 666107 4996 671103 35989 635114
Feb-38 635114 4763 639877 35989 603888
Mar-38 603888 4529 608417 35989 572428
Apr-38 572428 4293 576722 35989 540733
May-38 540733 4055 544788 35989 508799
Jun-38 508799 3816 512615 35989 476626
Jul-38 476626 3575 480201 35989 444212
Aug-38 444212 3332 447543 35989 411554
Sep-38 411554 3087 414641 35989 378652
Oct-38 378652 2840 381492 35989 345503
Nov-38 345503 2591 348094 35989 312105
Dec-38 312105 2341 314446 35989 278457
Jan-39 278457 2088 280545 35989 244556
Feb-39 244556 1834 246391 35989 210402
Mar-39 210402 1578 211980 35989 175991
Apr-39 175991 1320 177311 35989 141322
May-39 141322 1060 142381 35989 106392
Jun-39 106392 798 107190 35989 71201
Jul-39 71201 534 71735 35989 35746
Aug-39 35746 268 36015 36015 0

s
Annual gross salary as per last year ITR 969000

HL limit @5 years gross salary 4845000

loan Requested 4000000

Credit Score 36

Repayment period (No. of EMI) 240

Proposed monthly installment 35989

Present Monthly Gross salary 80000

Present Deductions 5,917

Deductions including EMI 41,906

Deductions as percentage of gross salary 52.38%

As deductions including proposed EMI exceed 50% of the Gross Salary Akshay is not eligible. However, he can opt fo

Present Monthly Gross salary 80000

Present Deductions 5,917

EMI 25 years 33568

Deductions including EMI 39,485

Deductions as percentage of gross salary 49.36%


eligible. However, he can opt for repayment of 25 years (below his superannuation date) as under:
Housing Loan

S No Risk Parameters
Age of applicant with major share of income/Age of main
1 promotor of company (in case of loan against future lease
rental)

Status of Current Residence (Present address for


2 communication)/Status of current residence of promotor of
company (in case of loan against future lease rentals)

3 Distance of proposed property from the financing Branch


4 Occupation

5 Work experience/Number of years in business/profession

Spouse's source of Income / source of income of the spouse


6 of the promotor of the company in case of loan against future
lease rentals

7 Repayment Period

8 Ratio of Net worth (verifiable sources only) to loan amount


9 Loan to value* Ratio

Ratio of Guarantor’s networth or networth of the promotor of


10 the company in case of loan against future lease rentals to
Loan Amount

11 Relationship with Bank (Deposit Account)

Either check-off facility OR Income routed through


12
Branches
13 Purpose of the Loan

Ratio of present Surplus income** (All sources of income) to


14
total EMI

15 Credit History
Total Score

Minimum score required


Score
Attributes

Up to 30 years 4
Above 30 years to 50 years- 3 3
Above 50 years to 60 years 2
Above 60 years 1

Owned by Self/Spouse 4
Owned by parents of Self/Spouse 3

Leased by the Company/Government 2 2


Rented by Self/Spouse 1
Others 0
Within city municipality limits in the same city/town by 4
RABs
4
Within city municipality limits in the same city/town/other
centre up to 10 Km by branches other than RABs

3
Within city municipality limits in the same city/town/other
centre between 10 Km to 20 Km by branches other than
RABs

2
Within city municipality limits in the same city/town/other
centre above 20 Km by branches other than RABs

1
Within fast growing neighboring Satellite towns of metros
only or Suburbs of metros only 0
If the proposed property is located at different city/centre
but the loan is sanctioned by the branch/RAB near to the
borrower’s present place of work/posting/residence
The proposed property is located at different city/centre
and the loan is not sanctioned by the branch / RAB near to
the borrower’s present place of work /posting/residence

Any Other
Salaried - Govt service 4
Salaried - PSU 4
Salaried - Blue Chip Cos. 4 4
Salaried - Private 3
Professional - CA 3
Professional - Engineer/architect 3
Professional - Lawyer 3
Professional - MBBS/MD Doctor
Businessman/Self employed
Small & Marginal farmers
Other agriculturists
Others
Above 15 years

4
Above 10 years upto 15 years
3
Above 3 years up to 10 Years 2 2
Up to 3 years
1
IT assessee and tax paid during last year

4 4
IT assesssee but no tax paid 3
Earns but no formal source 2
No source of income 1
Above 20 years upto 25 years
0
Above 15 years upto 20 years
1 1
Above 10 years upto 15 years
2
Above 5 years upto 10 years 3
Upto 5 years
4
More than 200%

4
More than 100% and up to 200% 3
More than 50% and up to 100%
2 2
Up to 50%
1
Up to 0.20
More than 0.20 and up to 0.49 2
More than 0.49 and upto 0.75
More than 0.75

More than 200%

More than 100% and upto 200% 3


More than 50% and up to 100%
Up to 50% / Guarantor waived by the competent authority

Guarantee not required as per scheme


More than 10 years
More than 5 years and up to 10 years

More than 2 years and up to 5 years


2
Up to 2 years
No previous relationship

Check off facility provided by the employer/


Tripartite agreement between the lessor, lessee and
the bank in case of loan against future lease rentals

Salary routed through the account with us and


advanced cheques of all EMIs obtained/an
irrevocable power of attorney in favour of the bank
in case of loan against future lease rentals
Only advance cheques of EMIs provided OR
ECS/Standing mandate along with PDCs/a letter of
undertaking from the borrower addressed to the
lessee for paying rent in case of loan against future
lease rentals
3
None of above

Construction of new house


Repair/Renovation of existing house
Purchase of readymade flats/house X
Purchase of flats/house yet to be constructed
Purchase of land and construction thereof
Loan against IP

Business in case of loan against future lease rentals


Personal purpose in case of loan against future
lease rentals
5 times and above

4
More than or equal to 4 but less than 5 times

3
More than or equal to 3 but less than 4 times
2
More than or equal to 2 but less than 3 times
1 1
Less than 2 times
0

CIBIL score between 800 and 900 or No CIBIL data


available but availed Earlier loan/loans and repaid
all the installments and/interest within the stipulated
period 4

CIBIL score between 720 and 799 or No CIBIL data


available but availed Earlier loan/loans from us/any
bank and account remained occasionally (one to two
times)irregular but repaid all the installments within
the stipulated period 3 3
CIBIL score between 660 and 719 or No CIBIL data
available but availed Earlier loan/loans from us/any
bank and account remained irregular more than 2
times but the account was not NPA and the account
was fully adjusted without any loss to the bank 2
CIBIL score between 600 and 659 or No CIBIL data
available and Account became NPA but fully
adjusted without any loss
1
No CIBIL data available and availed no loan/loans
from any financial institution 1

CIBIL score below 600 or no CIBIL data but availed


loan from the banks/institutions and and account
was NPA and adjusted through compromise/write-off 0

36

25
ROI 9%
Repayment 20 years
cc Loan interest total Instal Bal
Sep-19 4000000 30000 4030000 33568 3996432
Oct-19 3996432 29973 4026405 33568 3992837
Nov-19 3992837 29946 4022784 33568 3989216
Dec-19 3989216 29919 4019135 33568 3985567
Jan-20 3985567 29892 4015458 33568 3981890 Rs. -33,567.85
Feb-20 3981890 29864 4011755 33568 3978187
Mar-20 3978187 29836 4008023 33568 3974455
Apr-20 3974455 29808 4004263 33568 3970695
May-20 3970695 29780 4000476 33568 3966908
Jun-20 3966908 29752 3996659 33568 3963091
Jul-20 3963091 29723 3992815 33568 3959247
Aug-20 3959247 29694 3988941 33568 3955373
Sep-20 3955373 29665 3985038 33568 3951470
Oct-20 3951470 29636 3981106 33568 3947538
Nov-20 3947538 29607 3977145 33568 3943577
Dec-20 3943577 29577 3973154 33568 3939586
Jan-21 3939586 29547 3969133 33568 3935565
Feb-21 3935565 29517 3965081 33568 3931513
Mar-21 3931513 29486 3961000 33568 3927432
Apr-21 3927432 29456 3956887 33568 3923319
May-21 3923319 29425 3952744 33568 3919176
Jun-21 3919176 29394 3948570 33568 3915002
Jul-21 3915002 29363 3944365 33568 3910797
Aug-21 3910797 29331 3940128 33568 3906560
Sep-21 3906560 29299 3935859 33568 3902291
Oct-21 3902291 29267 3931558 33568 3897990
Nov-21 3897990 29235 3927225 33568 3893657
Dec-21 3893657 29202 3922859 33568 3889291
Jan-22 3889291 29170 3918461 33568 3884893
Feb-22 3884893 29137 3914030 33568 3880462
Mar-22 3880462 29103 3909565 33568 3875997
Apr-22 3875997 29070 3905067 33568 3871499
May-22 3871499 29036 3900535 33568 3866967
Jun-22 3866967 29002 3895970 33568 3862402
Jul-22 3862402 28968 3891370 33568 3857802
Aug-22 3857802 28934 3886735 33568 3853167
Sep-22 3853167 28899 3882066 33568 3848498
Oct-22 3848498 28864 3877362 33568 3843794
Nov-22 3843794 28828 3872622 33568 3839054
Dec-22 3839054 28793 3867847 33568 3834279
Jan-23 3834279 28757 3863036 33568 3829468
Feb-23 3829468 28721 3858189 33568 3824621
Mar-23 3824621 28685 3853306 33568 3819738
Apr-23 3819738 28648 3848386 33568 3814818
May-23 3814818 28611 3843429 33568 3809861
Jun-23 3809861 28574 3838435 33568 3804867
Jul-23 3804867 28537 3833403 33568 3799835
Aug-23 3799835 28499 3828334 33568 3794766
Sep-23 3794766 28461 3823227 33568 3789659
Oct-23 3789659 28422 3818081 33568 3784513
Nov-23 3784513 28384 3812897 33568 3779329
Dec-23 3779329 28345 3807674 33568 3774106
Jan-24 3774106 28306 3802412 33568 3768844
Feb-24 3768844 28266 3797110 33568 3763542
Mar-24 3763542 28227 3791769 33568 3758201
Apr-24 3758201 28187 3786387 33568 3752819
May-24 3752819 28146 3780965 33568 3747397
Jun-24 3747397 28105 3775503 33568 3741935
Jul-24 3741935 28065 3769999 33568 3736431
Aug-24 3736431 28023 3764455 33568 3730887
Sep-24 3730887 27982 3758868 33568 3725300
Oct-24 3725300 27940 3753240 33568 3719672
Nov-24 3719672 27898 3747570 33568 3714002
Dec-24 3714002 27855 3741857 33568 3708289
Jan-25 3708289 27812 3736101 33568 3702533
Feb-25 3702533 27769 3730302 33568 3696734
Mar-25 3696734 27726 3724459 33568 3690891
Apr-25 3690891 27682 3718573 33568 3685005
May-25 3685005 27638 3712643 33568 3679075
Jun-25 3679075 27593 3706668 33568 3673100
Jul-25 3673100 27548 3700648 33568 3667080
Aug-25 3667080 27503 3694583 33568 3661015
Sep-25 3661015 27458 3688473 33568 3654905
Oct-25 3654905 27412 3682316 33568 3648748
Nov-25 3648748 27366 3676114 33568 3642546
Dec-25 3642546 27319 3669865 33568 3636297
Jan-26 3636297 27272 3663569 33568 3630001
Feb-26 3630001 27225 3657226 33568 3623658
Mar-26 3623658 27177 3650836 33568 3617268
Apr-26 3617268 27130 3644397 33568 3610829
May-26 3610829 27081 3637910 33568 3604342
Jun-26 3604342 27033 3631375 33568 3597807
Jul-26 3597807 26984 3624791 33568 3591223
Aug-26 3591223 26934 3618157 33568 3584589
Sep-26 3584589 26884 3611473 33568 3577905
Oct-26 3577905 26834 3604739 33568 3571171
Nov-26 3571171 26784 3597955 33568 3564387
Dec-26 3564387 26733 3591120 33568 3557552
Jan-27 3557552 26682 3584234 33568 3550666
Feb-27 3550666 26630 3577296 33568 3543728
Mar-27 3543728 26578 3570306 33568 3536738
Apr-27 3536738 26526 3563263 33568 3529695
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Nov-27 3486317 26147 3512465 33568 3478897
Dec-27 3478897 26092 3504988 33568 3471420
Jan-28 3471420 26036 3497456 33568 3463888
Feb-28 3463888 25979 3489867 33568 3456299
Mar-28 3456299 25922 3482221 33568 3448653
Apr-28 3448653 25865 3474518 33568 3440950
May-28 3440950 25807 3466757 33568 3433189
Jun-28 3433189 25749 3458938 33568 3425370
Jul-28 3425370 25690 3451061 33568 3417493
Aug-28 3417493 25631 3443124 33568 3409556
Sep-28 3409556 25572 3435128 33568 3401560
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Nov-28 3393503 25451 3418955 33568 3385387
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Jan-29 3377209 25329 3402538 33568 3368970
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Mar-29 3360669 25205 3385874 33568 3352306
Apr-29 3352306 25142 3377449 33568 3343881
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Apr-30 3246921 24352 3271273 33568 3237705
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Apr-35 2551805 19139 2570944 33568 2537376
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Feb-36 2402542 18019 2420561 33568 2386993
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Aug-36 2307482 17306 2324788 33568 2291220
Sep-36 2291220 17184 2308404 33568 2274836
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Mar-41 1205432 9041 1214473 33568 1180905
Apr-41 1180905 8857 1189762 33568 1156194
May-41 1156194 8671 1164865 33568 1131297
Jun-41 1131297 8485 1139782 33568 1106214
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Sep-41 1055482 7916 1063398 33568 1029830
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Nov-41 1003986 7530 1011515 33568 977947
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Mar-42 898656 6740 905395 33568 871827
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Jun-42 817566 6132 823698 33568 790130
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Aug-42 762488 5719 768207 33568 734639
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Dec-42 649831 4874 654705 33568 621137
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Feb-43 592227 4442 596669 33568 563101
Mar-43 563101 4223 567324 33568 533756
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Aug-43 414160 3106 417266 33568 383698
Sep-43 383698 2878 386576 33568 353008
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Nov-43 322087 2416 324503 33568 290935
Dec-43 290935 2182 293117 33568 259549
Jan-44 259549 1947 261496 33568 227928
Feb-44 227928 1709 229637 33568 196069
Mar-44 196069 1471 197540 33568 163972
Apr-44 163972 1230 165201 33568 131633
May-44 131633 987 132621 33568 99053
Jun-44 99053 743 99796 33568 66228
Jul-44 66228 497 66724 33568 33156
Aug-44 33156 249 33405 33405 0
(33,567.85)

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