Excel Formula for Calculating Overdue Charges

[shibinrajmarar]

Dear All,

Please find the Loan EMI and Collection table below:

[TABLE="width: 1678"]
<colgroup><col><col><col><col span="2"><col><col><col><col><col><col><col><col><col></colgroup><tbody>[TR]
[TD][/TD]
[TD][/TD]
[TD="colspan: 5"]As per EMI Schedule[/TD]
[TD="colspan: 5"]As per Collection Report[/TD]
[TD][/TD]
[TD][/TD]
[/TR]
[TR]
[TD]Account Number[/TD]
[TD]Month Number[/TD]
[TD]Sum of EMI[/TD]
[TD]Cumulative EMI[/TD]
[TD]Due Date
[/TD]
[TD]Sum of Principal[/TD]
[TD]Sum of Interest [/TD]
[TD]Sum of EMI[/TD]
[TD]Cumulative EMI Pay[/TD]
[TD]Date of Pay
[/TD]
[TD]Sum of Principal[/TD]
[TD]Sum of Interest Amount[/TD]
[TD]Delay in Days[/TD]
[TD]Overdue Charges[/TD]
[/TR]
[TR]
[TD="align: right"]393020000004[/TD]
[TD="align: right"]May-18[/TD]
[TD="align: right"]2303[/TD]
[TD="align: right"]2303[/TD]
[TD="align: right"]10-May-18[/TD]
[TD="align: right"]1289[/TD]
[TD="align: right"]1014[/TD]
[TD="align: right"]2330[/TD]
[TD="align: right"]2330[/TD]
[TD="align: right"]18-May-18[/TD]
[TD="align: right"]1289[/TD]
[TD="align: right"]1041[/TD]
[TD] [/TD]
[TD] [/TD]
[/TR]
[TR]
[TD="align: right"]393020000004[/TD]
[TD="align: right"]Jun-18[/TD]
[TD="align: right"]2303[/TD]
[TD="align: right"]4606[/TD]
[TD="align: right"]11-Jun-18[/TD]
[TD="align: right"]1314[/TD]
[TD="align: right"]989[/TD]
[TD][/TD]
[TD="align: right"]2330[/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD] [/TD]
[TD] [/TD]
[/TR]
[TR]
[TD="align: right"]393020000004[/TD]
[TD="align: right"]Jul-18[/TD]
[TD="align: right"]2303[/TD]
[TD="align: right"]6909[/TD]
[TD="align: right"]10-Jul-18[/TD]
[TD="align: right"]1340[/TD]
[TD="align: right"]963[/TD]
[TD][/TD]
[TD="align: right"]2330[/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD] [/TD]
[TD] [/TD]
[/TR]
[TR]
[TD="align: right"]393020000004[/TD]
[TD="align: right"]Aug-18[/TD]
[TD="align: right"]2303[/TD]
[TD="align: right"]9212[/TD]
[TD="align: right"]10-Aug-18[/TD]
[TD="align: right"]1366[/TD]
[TD="align: right"]937[/TD]
[TD][/TD]
[TD="align: right"]2330[/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD] [/TD]
[TD] [/TD]
[/TR]
[TR]
[TD="align: right"]393020000004[/TD]
[TD="align: right"]Sep-18[/TD]
[TD="align: right"]2303[/TD]
[TD="align: right"]11515[/TD]
[TD="align: right"]11-Sep-18[/TD]
[TD="align: right"]1393[/TD]
[TD="align: right"]910[/TD]
[TD="align: right"]4600[/TD]
[TD="align: right"]6930[/TD]
[TD="align: right"]24-Sep-18[/TD]
[TD="align: right"]2654[/TD]
[TD="align: right"]1946[/TD]
[TD] [/TD]
[TD] [/TD]
[/TR]
[TR]
[TD="align: right"]393020000004[/TD]
[TD="align: right"]Oct-18[/TD]
[TD="align: right"]2303[/TD]
[TD="align: right"]13818[/TD]
[TD="align: right"]10-Oct-18[/TD]
[TD="align: right"]1420[/TD]
[TD="align: right"]883[/TD]
[TD="align: right"]2303[/TD]
[TD="align: right"]9233[/TD]
[TD="align: right"]24-Oct-18[/TD]
[TD="align: right"]1366[/TD]
[TD="align: right"]937[/TD]
[TD] [/TD]
[TD] [/TD]
[/TR]
[TR]
[TD="align: right"]393020000004[/TD]
[TD="align: right"]Nov-18[/TD]
[TD="align: right"]2303[/TD]
[TD="align: right"]16121[/TD]
[TD="align: right"]10-Nov-18[/TD]
[TD="align: right"]1448[/TD]
[TD="align: right"]855[/TD]
[TD="align: right"]5000[/TD]
[TD="align: right"]14233[/TD]
[TD="align: right"]26-Nov-18[/TD]
[TD="align: right"]2813[/TD]
[TD="align: right"]2187[/TD]
[TD] [/TD]
[TD] [/TD]
[/TR]
[TR]
[TD="align: right"]393020000004[/TD]
[TD="align: right"]Dec-18[/TD]
[TD="align: right"]2303[/TD]
[TD="align: right"]18424[/TD]
[TD="align: right"]10-Dec-18[/TD]
[TD="align: right"]1476[/TD]
[TD="align: right"]827[/TD]
[TD][/TD]
[TD="align: right"]14233[/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD] [/TD]
[TD] [/TD]
[/TR]
[TR]
[TD="align: right"]393020000004[/TD]
[TD="align: right"]Jan-19[/TD]
[TD="align: right"]2303[/TD]
[TD="align: right"]20727[/TD]
[TD="align: right"]10-Jan-19[/TD]
[TD="align: right"]1505[/TD]
[TD="align: right"]798[/TD]
[TD][/TD]
[TD="align: right"]14233[/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD] [/TD]
[TD] [/TD]
[/TR]
[TR]
[TD="align: right"]393020000004[/TD]
[TD="align: right"]Feb-19[/TD]
[TD="align: right"]2303[/TD]
[TD="align: right"]23030[/TD]
[TD="align: right"]11-Feb-19[/TD]
[TD="align: right"]1534[/TD]
[TD="align: right"]769[/TD]
[TD="align: right"]8797[/TD]
[TD="align: right"]23030[/TD]
[TD="align: right"]19-Feb-19[/TD]
[TD="align: right"]5963[/TD]
[TD="align: right"]2834[/TD]
[TD] [/TD]
[TD] [/TD]
[/TR]
[TR]
[TD="align: right"]393020000004[/TD]
[TD="align: right"]Mar-19[/TD]
[TD="align: right"]2303[/TD]
[TD="align: right"]25333[/TD]
[TD="align: right"]11-Mar-19[/TD]
[TD="align: right"]1564[/TD]
[TD="align: right"]739[/TD]
[TD="align: right"]2303[/TD]
[TD="align: right"]25333[/TD]
[TD="align: right"]31-Mar-19[/TD]
[TD="align: right"]1564[/TD]
[TD="align: right"]739[/TD]
[TD] [/TD]
[TD] [/TD]
[/TR]
[TR]
[TD]Grand Total[/TD]
[TD][/TD]
[TD="align: right"]25333[/TD]
[TD][/TD]
[TD][/TD]
[TD="align: right"]15649[/TD]
[TD="align: right"]9684[/TD]
[TD="align: right"]25333[/TD]
[TD][/TD]
[TD][/TD]
[TD="align: right"]15649[/TD]
[TD="align: right"]9684[/TD]
[TD][/TD]
[TD] [/TD]
[/TR]
</tbody>[/TABLE]

EMI Schedule with Due Dates and EMI Amount (Marked under Red heading) and Actual Payment with Date of Pay (Marked under Green heading)

I need a formula against each EMI line item to calculate (under purple heading)
1. Delay in days for Payment of each EMI
2. Overdue Charges @ INR 100 for the first day delay and INR 10 each for subsequent days of delay (for every EMI Pay)

Appeciate if anyone can help me to tackle this in excel.