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Money Lending & Interest (Byaj) Register: Simple & Compound (Excel) – Excel template preview
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Money Lending & Interest (Byaj) Register: Simple & Compound (Excel)

Keep every loan you have given in one place, with interest worked out to today on a monthly rate, simple or compound, payments received and the balance each person owes.

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Inclusive of all taxes · One-time payment · Instant download
See a free sample (PDF)
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Instant downloadOn screen + email
Secure paymentUPI · Cards · Net Banking
7-day helpFix or refund if faulty
Perfect for
People who lend to family, friends or staffSmall business owners giving creditSelf-help groups and small lenders keeping records
What you get2 × .xlsx (blank + sample)
Works withMicrosoft Excel · Google Sheets · WPS Office
DeliveryInstant download
LicencePersonal & own-business use
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Lending to relatives, friends, staff or customers is common, and so are arguments about how much is due. This register keeps the facts: when, how much, at what rate, what was paid, and what is left.

What it does

  • One line per loan: borrower, phone, date, principal, rate per month and interest type
  • Months passed to the date you choose (today by default)
  • Interest to date: simple, or compounded yearly on the monthly rate
  • Total due and balance after payments received; a red flag when a loan is over 12 months old with nothing paid
  • Summary: total lent, interest, received, balance due and the six biggest balances with a chart

Before you lend

Use a signed promissory note or loan agreement for every loan. Lending as a business may need a licence and rates may be capped under your state's money-lending law.

What's inside

Everything you get

01

Loans

Every loan with interest and balance

02

Summary

Totals and biggest balances

03

Settings

As-on date for interest

04

Blank + sample

Sample of 6 loans

Files in your download

  • XLSXMoney_Lending_Interest_Register.xlsx24 KB
  • XLSXMoney_Lending_Interest_Register_SAMPLE.xlsx24 KB
How to use

Start in 5 simple steps

A step-by-step guide is also included inside your download.

  1. 1

    Add each loan

    Date, amount, monthly rate

  2. 2

    Pick the type

    Simple or compound

  3. 3

    Update payments

    Total received so far

  4. 4

    Check today's dues

    Balance column

  5. 5

    Follow up

    Red rows first

FAQ

Questions about this product

How do I enter '2 rupees per hundred per month'?

That is 2% per month. Type 2% in Rate per month.

What is the difference between simple and compound?

Simple interest is always on the original amount. Compound (yearly) adds a year's interest to the principal, so the next year's interest is on the bigger amount.

Can I work out interest to a past or future date?

Yes. Change 'Interest as on' on Settings to any date.

Does it track part payments by date?

It uses the total received so far, which is simple to keep up to date. Keep receipts for each payment.

Is lending money legal?

Lending to friends and family is common. Lending as a business may need a licence and rate limits under state law. Always use a written note.

How do I get the files after payment?

A download button appears on screen right after payment, and the link is emailed to you. You can also download again any time from My account.

Can I use it on my phone?

Yes. It works with Microsoft Excel, Google Sheets, WPS Office. Free mobile apps are enough.

What if something does not work?

Write to us within 7 days with your order number. We will fix it, send a working file, or refund you.

Our promiseEvery file is tested before launch. If something doesn't work, we fix it or refund you within 7 days. Refund policy
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