Formulae for emi calculation, RD yield, investment yield with initial start

RD yield:
If an amount A is contributed for N months at the start of each month with an annual interest rate of R %, after N months the balance will be

A*(1+(R/1200)) *((1+(R/1200))^N-1)/((1+(R/1200))-1) (Assuming compounding after every month)

If compounding happens after every few months, the formula becomes complicated as details like starting month, compounding month needs to be known.

EMI:

For a loan amount of L at an anuual interest of R% for a duration of N months

L*(R/1200)*(1+R/1200)^N / ((1+R/1200)^N-1)