This paper aims towards the development of a simple mathematical model for chilled water cooling coil based on the bypass factor as a principal input parameter. The methodology involves a temperature-based discretization of the coil that precisely shows when the coil will be dry, wet or partially wet. This procedure not only depicts the actual cooling-dehumidification profile of the coil, but also allows calculation of sensible and latent coil loads by the summations of individual loads of discrete coil elements. Maximum deviations in the range of +/- 5% for sensible and total coil loads are obtained between majorities of the findings from the theoretical model and experimental data available in literature. A close compliance with actual results and ease of application make this mathematical model a good choice for energy simulation tools. (C) 2015 Elsevier B.V. All rights reserved.