I have written about the manual way of calculating one-way anova in One way analysis of variance. We shall use LibreOffice (or MS Excel) to calculate it quickly. I’d explain with Libre Office below.
Choose your data set.

1. Define the NULL (H0) and alternative (HA) hypothesis.
H0: there is no difference between three conditions with loan scheme.
μ ₹10,000.00 = μ ₹15,000.00 = μ ₹20,000.00
H1: There is a difference. Not all μs are equal.
2. Define the alpha value for type I error.
α = 5% = 0.05.
Select Data>Statistics>Anova

3. Choose your result cell



4. And Here is your output

| Groups | Count | Sum | Mean | Variance |
| Column 1 | 7 | 57 | 8.1429 | 0.4762 |
| Column 2 | 7 | 47 | 6.7143 | 0.5714 |
| Column 3 | 7 | 21 | 3 | 0.6667 |
| Source of Variation | SS | df | MS | F | P-value | F critical |
| Between Groups | 98.6667 | 2 | 49.3333 | 86.3333 | 5.9563E-10 | 3.5546 |
| Within Groups | 10.2857 | 18 | 0.5714 | |||
| Total | Err:508 | 20 |
86.33 ≠ 3.5546, hence the null hypothesis is rejected, alternate hypothesis is accepted.
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Here I asked a question about two-way ANCOA in Open/LibereOffice Calc:
https://stackoverflow.com/q/60504343/4999991
I would appreciate if you could help me with it. Thanks in advance.