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Rate of interest of post office MIS after three months of maturity.

If I am unable to draw my maturity amount due to some unavoidable reason after three months. May I get some interest of my maturity amount for this three months and waht is the interest rate. Pl. clarify.

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Posted on Aug 02, 2008

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If I know how much the payment is and the length of the loan how can I calculate the percentage I am paying?

A=P((1-(1+r)^(-n))/r, where A is the present value of the annuity, or the amount of the loan, P is the periodic payment, r is the interest rate per period, and n is the number of periods. In this case, I assume the payments are monthly, so n would be 36. You mentioned that you already have A and P. However, solving for r algebraically is not that easy because it is in two places on the right hand side. However, you can make a table and put in interest rates to make both sides equal. Remember to multiply this answer by 12 to get the annual interest rate.

For example, if the payment is $100, and the amount of the loan is $2,766.07, and the number of periods is 36, what is the interest rate.

r Calculate Actual Difference
0.010 3010.75 2766.07 -244.68
0.011 2959.42 2766.07 -193.35
0.012 2909.33 2766.07 -143.26
0.013 2860.42 2766.07 -94.35
0.014 2812.68 2766.07 -46.61
0.015 2766.07 2766.07 0.00
0.016 2720.55 2766.07 45.52
0.017 2676.11 2766.07 89.96

You can see from the chart that the value of r of 0.015 makes the difference 0, so the periodic interest rate is 0.015 or 1.5%. We need to annualize this by multiplying by 12 and we get an annual interest rate of 18%.

Good luck,


Annuity Payment PV

Aug 15, 2016 | Office Equipment & Supplies

1 Answer

How do I get monthly payment with present amount and interest rate, on a HP 12c dinosaur?

In any order, enter loan amount followed by PV, number of months followed by N, interest rate followed by i. Then press PMT.

If you need a manual, you can download one from

You can also download training modules at

Feb 09, 2011 | HP 12c Calculator

1 Answer

45,000 to invest.want to have 250,000 in 20 years. what rate of interest do i need if its compounding monthly?

4 5 0 0 0 +/- PV (investment amount, negative because you're paying it out)
2 5 0 0 0 0 FV (desired amount, positive because you're receiving it)
2 0 SHIFT xP/YR (20 years)
I/YR (calculate annual interest rate)

Jan 23, 2011 | HP 10bII Calculator

1 Answer

I need to determine the interest rate given the following facts:$850,000 loan today for two months and at maturity the repayment is $1,000,000

8 5 0 0 0 0 PV 1 0 0 0 0 0 0 CHS FV 2 n i

The loan seems rather usurious. Are you sure it's not a two-year loan (twenty-four months)? That brings the interest rate down into a reasonable range.

Jan 05, 2011 | HP 12c Calculator

1 Answer

BAII Plus TVM Applications

2nd [CLR TVM] (clears any previous results)

4 I/Y (4% interest rate)

1 2 0 0 +/- ($1200 monthly payment, negative because you're paying out the amount)

2 5 0 0 0 FV (desired value, positive because you'll be receiving the amount)

CPT N (compute the number of payments)

Feb 14, 2010 | Texas Instruments BA-II Plus Calculator

1 Answer

Roll To Unknown Interest Rate

Enter the number of payments and press "n". Enter the monthly payment as a negative number and press "PMT." Enter the amount of the loan and press "PV." Press "i" and see the interest rate.

Jan 19, 2009 | HP 12c Calculator

1 Answer

Present value of a loan

The present value of any future monthly (?) stream of payments stretching some 24 years into the future takes into account the time value of money and depends on the interest rate assumed to apply for each month throughout those 24 years.

There are formulae to calc this for an equal monthly payment and a constant interest rate, over the term but for a variable interest rate you need a spreadsheet.

In the simple case of zero interest assumed throughout the term, present value = current principal balance, but for any positive interest rate, the total present value of the future payment stream is less than the current principal balance.

Oct 06, 2008 | Texas Instruments TI-30XA Calculator

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after 3 years u wil get rs 43692..

Aug 29, 2008 | Office Equipment & Supplies

1 Answer

Interest only payments

I gave up using the Texas BA II. I used an on-line mortgage calculator for interest only. I was able to get a full printout.
I would like to learn more about the BA II and how to do this type of math on it.
Thank you

Mar 02, 2008 | Texas Instruments BA-II Plus Calculator

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