Stock Broker Company in India Implementing Automation for Faster Execution

1. STOCK BROKER COMPANY IN INDIA IMPLEMENTING AUTOMATION FOR FASTER EXECUTION

2. INTRODUCTION Finance revolves around time, value, and repayment. Every individual who borrows money or invests in assets must understand how cost and value change over time. Amortisation is one of the key concepts that explains this gradual allocation of cost — whether it’s the repayment of a loan or the reduction in value of an intangible asset. At Lares Algotech, financial literacy is seen as a critical foundation for informed investment and trading decisions. Understanding amortisation not only helps individuals manage debt efficiently but also enables businesses to account for intangible assets accurately. This concept forms a bridge between real-world financial management and accounting transparency.

3. DIFFERENCE BETWEEN AMORTISATION AND DEPRECIATION • Both amortisation and depreciation deal with spreading cost, but they apply to different asset types. Depreciation is used for tangible assets — buildings, machines, furniture — while amortisation is applied to intangible assets. Depreciation often uses multiple methods (straight-line, declining balance, etc.), whereas amortisation commonly follows the straight-line method. Another difference is in accounting treatment: amortisation rarely involves residual value, as intangible assets usually lose all value by the end of their useful life.

4. HOW TO CALCULATE LOAN AMORTISATION The most common calculation involves equal instalments paid periodically. The formula for an equated monthly instalment (EMI) Where EMI amount Principal loan amount Monthly interest rate (annual rate ÷ 12 ÷ 100) Number of months

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