Testing TOP_UP Balance Calculation
===================================

Loan Details:
- Loan Number: URL013572
- Principal Amount: 6,397,076.00
- Annual Interest Rate: 12%
- Monthly Interest Rate: 1.0000%
- Total Tenure: 36 months
- Installments Paid: 5

Calculation Results:
- Outstanding Balance: 5,639,557.86
- Settlement Amount (Payoff): 5,639,557.86

- Monthly Payment (EMI): 212,474.46
- Total Amount (if paid full tenure): 7,649,080.71
- Total Interest (if paid full tenure): 1,252,004.71

- Remaining Tenure: 31 months
- Interest Saved by Early Settlement: 947,150.53

✅ The topup balance calculation is working correctly!