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You say "the repayment start date was 05-May-2018"; The original schedule implies a loan start date one month earlier, 05-April-2018. Hence, your balance on 05-May-2018, confirmed here: 4800000*(1 + 0.0925/12) - 120018.82 = 4716981.18 So this is using an interest rate of 9.25% from 05-April-2018. In the recomputed schedule, you say the rate of 9....

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