Unit level calculator
Every rupee between the vendor’s price and the PO rate.
Extending a payment term costs money, and everyone signing the PO deserves to see where that money goes. Drag an input and watch the rate rebuild itself, one line at a time.
How ₹35.00 becomes ₹41.51
Final PO rate
₹41.51
per unit, GST inclusive — 18.60% above the vendor’s ₹35.00, for 15 extra days to pay.
- Taxable value (B)
- ₹35.18
- goes on the PO
- Cost of extension
- ₹0.18
- margin + interest
- Per day funded
- ₹0.01
- over 15 days
- GST
- ₹6.33
- recoverable as credit
Eight lines, in order
One card per line: what it is, how it is worked out, and the number it produces right now. Hover a card to find its block in the stack above.
Vendor price
What the vendor quotes today, net of GST. Everything else is layered on top of this number.
Great Kapital margin
A flat 0.20% of the vendor price — the only piece that is not a pass-through cost.
Price + margin (A)
Subtotal A. Interest is charged on this amount, not on the vendor price alone.
Days funded
The vendor still gets paid on their original term. Great Kapital carries the gap until the buyer settles, and that gap is what interest is charged on.
Bank interest
The cost of funding those days, at the bank rate set centrally, grossed up for GST because the funding charge is itself taxed.
- A · price + margin₹35.07= ₹35.07
- Bank rate p.a.× 6.34%= ₹2.22
- share of a year× 15/365= ₹0.09
- GST on the charge× 1.18= ₹0.11
Taxable value (B)
Subtotal B. This is the figure the purchase order carries before GST is added.
GST @ 18%
Output GST on subtotal B. Recoverable by the buyer as input credit, so it lifts the invoice without lifting the true cost.
Final PO rate
Put this on the purchase order. It is 18.60% above the vendor's own price, and buys 15 extra days to pay.
- Uplift over vendor price
- 18.60%
- Cost of the extension
- ₹0.18
- Per day funded
- ₹0.01
How the rate responds
Hold everything else still and sweep one driver across its range. The dashed line marks where the calculator sits now.
Current setting: 25d → ₹41.51. The vertical scale starts near the data, not at zero.
What each extra fortnight costs
The same vendor price and rates, priced out across the terms a buyer is likely to ask for.
| Buyer pays on | Days funded | Bank interest | Final PO rate | vs. no extension |
|---|---|---|---|---|
| day 10 | 0 | ₹0.00 | ₹41.38 | — |
| day 25NOW | 15 | ₹0.11 | ₹41.51 | +0.31% |
| day 40 | 30 | ₹0.22 | ₹41.64 | +0.63% |
| day 55 | 45 | ₹0.32 | ₹41.76 | +0.92% |
| day 70 | 60 | ₹0.43 | ₹41.89 | +1.23% |
| day 85 | 75 | ₹0.54 | ₹42.02 | +1.55% |
| day 100 | 90 | ₹0.65 | ₹42.15 | +1.86% |
Pick a row to load that term into the calculator.
The whole calculation
Every input and every line in a single table — the version to paste into an email when someone asks how the rate was reached.
| What was set | ||
|---|---|---|
| Vendor price | quoted by the vendor, net of GST | ₹35.00 |
| Vendor payment term | the day the vendor is paid | 10 days |
| GK payment term | the day the buyer settles | 25 days |
| Days funded | GK term − vendor term | 15 days |
| GST | output tax rate | 18.00% |
| Bank rate | central funding rate, per year | 6.34% p.a. |
| GK margin | share of the vendor price | 0.20% |
| How the rate is built | ||
| Vendor price | the starting point | ₹35.00 |
| GK margin | vendor price × 0.20% | ₹0.07 |
| Price + margin (A) | vendor price + GK margin | ₹35.07 |
| Bank interest | A × 6.34% × 15/365 × 1.18 | ₹0.11 |
| Taxable value (B) | A + bank interest | ₹35.18 |
| GST @ 18% | B × 18% | ₹6.33 |
| Final PO rate (C) | B + GST | ₹41.51 |