How is penal interest calculated?

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  1. #applicable
  2. #installment
  3. #25000
  4. #month
  5. #penal
  6. #interest
  7. #irregularity
  8. #default
  9. #overdue
  10. #amount
  11. #would
  12. #other
  13. #charges
  14. #loans
  15. #charged
  16. #above
  17. #exceeds
  18. #period