| Gross Loan (grossed-up for advance) | ₹1,50,000 |
| EMI per month | ₹8,333 |
| Subvention Amount (with GST applied) | ₹15,930 |
| Processing Fee Amount (with GST applied) | ₹0 |
| DBD — Discount Borne by Dealer/Clinic | ₹15,930 |
| Net Funding (financier's actual outflow) | ₹84,070 |
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.
Loan amount grossed-up for the advance period.
% 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.