Investment analysis, built for clear decisions.

Model a proposed working-capital investment while NOFCS keeps ownership and operational control. Every result is illustrative and remains subject to due diligence, legal review and written approval.

Society controlled Non-equity structure Written approval only

Live illustration

Rs 3,000,000

Rs 3,000,000 contractual value

3-year scenario

Total projected gainRs 1,080,000Return only · original capital excluded

Total cash receivedRs 4,080,000Original capital + projected gain · not gain alone

First projected cash paymentRs 4,080,000At the end of Year 3

Original capital returnedRs 3,000,000Included in total cash received

Payment pathway

Annual projection

All contractual figures in MUR

Year	Opening capital	Rate	Return generated	Return paid	Capital repaid	Total cash	Closing capital
Year 1Accrued — no cash payment	Rs 3,000,000	12%	Rs 360,000	Rs 0	Rs 0	Rs 0	Rs 3,000,000
Year 2Accrued — no cash payment	Rs 3,000,000	12%	Rs 360,000	Rs 0	Rs 0	Rs 0	Rs 3,000,000
Year 3Projected payment	Rs 3,000,000	12%	Rs 360,000	Rs 1,080,000	Rs 3,000,000	Rs 4,080,000	Rs 0
Projected totals			Rs 1,080,000	Rs 1,080,000	Rs 3,000,000	Rs 4,080,000	Rs 0

How this scenario is calculated

Returns accrue at 12% during Years 1–3, with no cash payment in Years 1–2. The first payment at the end of Year 3 includes the accrued return and the first equal capital instalment. From Year 4, 15% applies only to the opening capital still outstanding. Returns do not compound.

Why Year 3 is highestRs 4,080,000

It combines three years of accumulated return (Rs 1,080,000) with the first capital repayment (Rs 3,000,000). It is a catch-up payment, not a higher annual rate.

Why Years 4–5 are lowerNot applicable

The rate rises to 15%, but it applies only to capital still outstanding. As capital is repaid, the return-calculation base falls, so the cash payment can decrease.

Applicable return rates12% → 15% p.a.

NOFCS proposes 12% per year for Years 1–3 and 15% per year for Years 4–5 on the capital still outstanding. No separate IRR rate is used to calculate or pay the investor.

What the total cash figure meansRs 4,080,000 overall

This equals the original capital of Rs 3,000,000 plus a projected gain of Rs 1,080,000 over the selected 3-year term. It is not all profit.

How to compare the term

The calculator starts at 3 years. Selecting 4 or 5 years recalculates the complete proposal, including the Year 3 capital payment and the remaining balance. Changing this selector does not extend an existing agreement; the final duration and any later extension must be approved in writing by NOFCS and the investor.

Controlled disclosure

Due-diligence index

Documents are released only when approved. Draft financial or legal materials are never presented as final.

Society profile

Legal identity, purpose and public contact record

Available

Indicative heads of terms

Non-equity, non-voting working-capital structure

Legal review

Five-year financial model

Trip economics, repayment coverage and sensitivities

In preparation

Vessel diligence pack

Construction, survey, insurance and equipment evidence

In preparation

Decision safeguards

Analysis first. No online acceptance.

This room does not collect money, create a contract or guarantee a return. Any proposal must pass identity and source-of-funds checks, affordability analysis, NOFCS approval, review of the Society’s registered rules and final Mauritian legal and tax advice.

MUR remains the contractual and settlement currency Foreign-currency figures are indicative only No investor receives automatic voting or management rights Terms remain subject to bank priority and written documentation

Currency reference

1 MUR = 1 MUR using a dated Bank of Mauritius indicative reference (4 September 2026). Actual bank transfer rates, spreads, charges and taxes may differ.

Bank of Mauritius source

Ready for a confidential discussion?No commitment is created by contacting the Society.

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Important notice: This calculator provides indicative scenarios only. It is not a public offer, prospectus, investment advice, audited forecast, guarantee or binding agreement. Investment capital and returns are at risk. Any participation is subject to due diligence, regulatory requirements, the Society’s registered rules, formal approvals and executed legal documents.

Calculations run locally in the browser and are not stored or transmitted by this room. All obligations are proposed to be denominated in MUR. Foreign investors must obtain advice in their own jurisdiction.