Trustiva Setu — IRR Calculator
Scheme Inputs
Live Results
| Gross Loan (entered treatment amount) | ₹1,00,000 |
| Downpayment / Advance Amount (6 mo upfront) | ₹33,333 |
| Net Loan (Gross minus advance-months portion) | ₹66,667 |
| EMI per month | ₹5,556 |
| Subvention Amount (Base) | ₹9,000 |
| GST @18% on Subvention | ₹1,620 |
| Subvention Total (with GST) | ₹10,620 |
| Processing Fee (Base) | ₹0 |
| GST @18% on Processing Fee | ₹0 |
| Processing Fee Total (with GST) | ₹0 |
| DBD — Discount Borne by Dealer/Clinic | ₹10,620 |
| Net Funding (financier's actual outflow) | ₹56,047 |
What These Terms Mean
The annualised return the financier earns based on actual net funding disbursed vs EMIs received back — before backing out GST.
Gross IRR divided by 1.18 — the IRR after stripping out the 18% GST component, for like-for-like scheme comparison.
Total months over which the patient repays the loan, including advance months.
Months' EMI collected upfront (often clinic-subsidised) before regular EMI collection starts.
Tenure minus Advance — months the patient actually pays EMIs.
The entered treatment/loan amount — this is NOT grossed up.
Gross Loan minus the advance-months portion — this is what actually needs to be recovered via EMIs, and what Net Funding is based on.
% of Gross Loan the clinic pays upfront to the NBFC to offer a no-cost/low-cost EMI.
One-time fee (flat ₹ or % of loan) for processing the loan.
Excluded = 18% GST added on top of the rate entered. Included = rate already has GST baked in.
Discount Borne by Dealer/Clinic = Subvention Amount + PF Amount.
Actual cash the financier disburses net of clinic's upfront payback — used to compute IRR.