INSTITUTE OF MANAGEMENT, CHRIST UNIVERSITY

FACULTY : T S RAMACHANDRAN
FINANCIAL PLANNING AND WEALTH MANAGEMENT ASSIGNMENTS (SEPT - DEC

Oct 7th,
Assignmen2016 25%

Oct 7th /
AssignmenDec 1st 25%

Dec 1st,
Assignmen2016 25%

Continuo
us
Learning
Assignm
Assignmenent 25%
 INSTITUTE OF MANAGEMENT, CHRIST UNIVERSITY
FACULTY : T S RAMACHANDRAN
NCIAL PLANNING AND WEALTH MANAGEMENT ASSIGNMENTS (SEPT - DEC 2016) FIFTH TRIMESTER

Visit a financial advisor and get answers for the following questions.
- What does financial advisory services or Wealth Mangement services include?
- Is there any entry level limits for availing the services?
- How do I understand the regulatory issues of financial advisory services?
- How do I understand the risk profile of a customer?
- How do I understand the asset allocation strategies in a broad manner?
- What are the different financial products offered to clients as a part of wealth manageme
- How important is taxation in wealth management and what are the tax issues?
- What is the fee structure charged to clients?
- What are the requirements for starting to avail wealth management services?
- How are the financial products (like different equity stocks, different MFs etc) chosen for
- What are the different strategies used for entry and exit of different financial assets?

One article a day (on any area of your choice connected to Finance)

Create an excel file with all the requirements for tracking ones financial goals etc.
Income, Expenditure, Assets, Liabilities, Cash flows, Financial goals

Your notes, presentations and excel work book on caselets

vestment?
INSTITUTE OF MANAGEMENT, CHRIST UNIVERSITY
FACULTY : PROF.T S RAMACHANDRAN
FINANCIAL PLANNING AND WEALTH MANAGEMENT ASSESSMENT RUBRICS (SEPT - DEC 2016) FIFTH TR

Assignmen No.

Assignment 1

Assignment 2

Assignment 3

Assignment 4
Assignment Grade
Parameter Marks
Visiting a Financial Advisor Obtaining answers to all the questions 10

Quality of the answers obtained 10

Going beyond the scope 5

Total Marks for Assignment 1 25

Article review Regularity of article reviewed 10

Quality of learnings articulated 10

Presentation 5

Total Marks for Assignment 2 25

FP & WM model Completeness of the model 10

Linkages of cells 10

Presentation of the model 5

Total Marks for Assignment 3 25

Continuous learning process Regular learning demonstration 10

Quality of content 5

Presentations 10

Total Marks for Assignment 4 25

TOTAL MARKS 100

Very Good

Answers to all the questions were obtained and the learning is well demonstrated (10)

Answers were articulated very well and the contents quality is very good (10)

The student has gone well beyond the scope given and learnt more than what was expected (5)

More than one article was reviewed on most of the days (10)

Learnings articulated beyond the contents of the articles and connected to other areas (10)

Presentation shows commitment, aesthetics and creativity (5)

All aspects fully considered (10)

All the cells are connected and hardcoded assumptions are kept separately (10)

Professionalism could be seen (5)

Notes taken regularly and sufficiently as well as added notes beyond class room discussions (10)

Maintained excel files very well (5)

The contents of the topic were fully covered and the presentation was very professional and questions
Good

Answers to most of the questions were obtained and the learning is fairly demonstrated (8)

Answers were articulated well and the contents quality is good (8)

The student has gone somewhat beyond the scope given and learnt something more than what was e

Articles have been regularly reviewed (8)

Learnings well articulated in an understandable manner (8)

Presentation goes beyond just pasting and writing (4)

Most of the aspects have been considered (8)

Cells are fairly linked but the hardcoding is mixed in the model (8)

Good enough presentation (formatting etc) (4)

Notes taken regularly and sufficiently (8)

Maintained excel files (4)

The contents of the topic were mostly covered and the presentation was good and questions were sat
Average

Answers to some of the questions were not adequately obtained and the learning is somewhat demon

Answers were articulated only adequately and the contents quality is also average (6)

The student has learnt what was expected (3)

Articles have been somewhat reviewed regularly but with gaps (6)

Article contents have been rephrased and produced (6)

Printed articles pasted showing that the article review was not done concurrently (3)

Many aspects have been considered, but not satisfactory (6)

Cells are not fully linked (6)

Formatting not complete and titles are partially done (3)

Somewhat regular but notes not sufficiently taken (6)

Maintained excel files but insufficient (3)

The contents of the topic were not fully covered and the presentation was ordinary and questions wer
Below Average

Answers to many questions were not obtained and learning not demonstrated (4)

Answers were articulated not well and the contents quality is below average (4)

The student has not learnt what was expected to be learnt (2)

Articles have not been reviewed regularly (4)

Just a reproduction of the contents of the article (4)

Poor presenation without any sense (2)

Many aspects have not been considered (4)

Cells are not linked at all (4)

Formatting not done properly with no self expalanatory titles etc (2)

Sporadic and not enough notes taken (4)

Not maintained excel files at all (2)

The contents of the topic were mostly not covered and the presentation was very ordinary and questio
nswered (4)
 INSTITUTE OF MANAGEMENT, CHRIST UNIVERSITY
FACULTY: PROF.T S RAMACHANDRAN
FINANCIAL PLANNING AND WEALTH MANAGEMENT ASSIGNMENTDETAILS FOR FP&WM (SEPT - D

Individual assignment
 INSTITUTE OF MANAGEMENT, CHRIST UNIVERSITY
FACULTY: PROF.T S RAMACHANDRAN
ND WEALTH MANAGEMENT ASSIGNMENTDETAILS FOR FP&WM (SEPT - DEC 2016) FIFTH TRIMESTER

Draw up a Financial and a Wealth Management plans to meet the financial goals along
the way till retirement
Financial Plan

Age of your client

Client's present salary
Salary growth assumed (%)
Client's annual expenses with break up for the first year
Inflation rate assumed (%)
Number of kids and their age
Is spouse working?
If yes, salary
Salary growth assumed
Financial goals
FG 1 Car (Amount / Year)
FG 2 Home (Amount / Year)
FG 3 Retirement plans (Amount / Year)
FG 4
FG 5
FG 6
Assume that your clients will retire by 55 years
Assume that the family will survive till 85 years
Dependents on your client (parents)
Risk profile of the client (Conservative / Moderate / Aggressive)
Present Assets and Liabilities of the client (if any)
Wealth Management Plans
Financial products recommended
Emergency / Contingency fund assumption
Asset allocation plan
SIP plan

Insurance plans
1. If there is housing loan, there should be a term cover for the loan amount till the
loan closure date.
2. If the spouse is not working, there should be cover for life of the working partner
equivalent to 60 months salary of the working partner.
3. Health including accident cover should be equivalent to Rs.5 lacs.
4. The total premium payable should not exceed 10% of the salary income of the
working couple per month.

Any other assumptions?

 INSTITUTE OF MANAGEMENT, CHRIST UNIVERSITY
FACULTY: PROF.T S RAMACHANDRAN
FINANCIAL PLANNING AND WEALTH MANAGEMENT ASSIGNMENTDETAILS FOR FP&WM

Group assignment

1
2

3
4
5

6
7
8

9
10
11
12
13
14
15
16
 INSTITUTE OF MANAGEMENT, CHRIST UNIVERSITY

ALTH MANAGEMENT ASSIGNMENTDETAILS FOR FP&WM (SEPT - DEC 2016) FIFTH TRIMESTER

Wealth Management Issues - PRESENTATION TOPICS

Tax regulations - Salary, Capital Gain, House Property, Dividends

Evaluating the performance of MFs
Choosing the correct schemes of MFs (Debt, equity, balanced, liquid) depending upon the
risk profile of the client and the market conditions
Creating a equity portfolio by choosing the right stocks (both value and growth stocks)
Choosing sectors (banking, pharma, FMCG etc) linking it to performance of the economy
Evaluating the performance of Indian equity markets over a period of 25 years (Nifty /
Sensex study)
Regulations pertaining to investing in the overseas markets
Performance of the economy and factors affecting it
Performance of Gold and as a hedge against inflation and its role in the construction of a
portfolio
Dollar cost averaging versus value averaging versus
Different ways to calculate returns : CAGR, YTM, HPY, CY, IRR, ROI
Risk Profile construction
Asset Allocation strategies and its sensitivity to returns
Alternate assets
FIIs and their role in the markets
Insurance planning as a part of Wealth Management
 INSTITUTE OF MANAGEMENT - CHRIST
UNIVERSITY

FINANCIAL PLANNING & WEALTH MANAGEMENT

(MBA 504)

FACULTY : PROF.T S Ramachandran

COURSE PLAN - SEPT-DEC 2016 FIFTH TRIMESTER

How the course would be run - Continuous learning assessment -

Assignments, rubrics, topics for presentation, excel work books, taking
notes, learning and connecting from articles etc
Introduction 0.5
What should you know broadly? Cash flow construction for financial
planning. For Wealth Management - financial products, market
conditions, finance arithmetic- calculation of returns, emi, compounding
Introduction etc. 0.5
Importance of financial planning and wealth management - why should
Unit 1 you plan for the future? 0.5
Difference between financial planning and wealth management
0.5
Concept of being rich, passive income, life style 0.5
Process of Financial Planning
Defining financial goals 0.5
Human Life Cycle - an understanding 1.0
 Financial Planning process - excel based cash flows income expenses
assets liabilities- constructing 1.5
Excel - cash flow construction 1.5
Process of Wealth Management
Risk profiling of individuals - issues, process, category 1.5
Importance of discipline and behavioural finance 1.0
Asset classes (Traditional Assets), Financial products, Safety, Liquidity,
Unit III / IV Return, Growth 3.0
Unit V Alternate Assets 1.5
Risk Return trade off - an understanding with financial products available
Unit I 1.0
Taxation aspects in Wealth Management 1.0
Asset allocation strategies, Market conditions, Risk Profiling - how they
Univ VI are connected? 1.0
Understanding long term performance of markets 1.5
Active Vs passive strategies, Asset allocation strategies Strategic Asset
Allocation, Constant Weighting Asset Allocation, Tactical Asset
Allocation, Dynamic Asset Allocation, Insured Asset Allocation,
Integrated Asset Allocation.
Unit VI 3.0
Why buy insurance? Role of insurance as a risk mitigant, Introduction to
various types of risks, Concept of insurable risks from an investors
perspective, Various insurance products available Life and Non Life,
Concept of Human Life Value (HLV) and methods of computing HLVs.
Unit II 1.5
Cases for Financial Planning & Wealth Management Advisory
3.0
Indian perspective of critical issues in wealth management,. Financial
Planning and Wealth Management Industry. Role of banks in Financial
Unit I planning 1.0
Unit I Client Management 0.5
Holistic approach to wealth management advisory, Integrity and Ethics the
bedrock of long term advisory roles, dos and donts from wealth industry
Unit VII advisors. 1.0
Benjamin Graham., Warren Buffet and Peter Lynch, Investment
Unit VII Philosophy. 1.5

30

Reading Materials : (Apart from the prescribed

text book)

ET Wealth (Every Monday)

Business Standard (Family Finance caselets &
Personal Finance column- Every Monday)
Index

Client's Profile
Income
Expenses
Assets
Liabilities
Equal Monthly Installments ( Car Loan)
Equal Monthly Installments ( House)
Equal Monthly Installments ( Higher Education)
SIP ( Equity and Hybrid)
Cashflow
PPF
Corpus
 Index

Age of your client

Client's present salary
Salary growth assumed (%)
Inflation rate assumed (%)
Client's annual expenses with break up for first year
Number of kids and their age
Is spouse working?
If yes, salary
Salary growth assumed
Financial goals
Car
Retirement Plans
House
Higher Education
Daughter's Marriage
 32
85000
8%
6%
363,100
1 ( 5 years)
No
N/A
N/A
Year
2018
2020 onwards
2025
2034
2040
 Assumptions

Inflation at 6%
Salary Growth 8%
Client has no plans of shifting to another company
Client os Conservative
Case: The name of my client is Shehan Khan. He i
an initial salary of 85000. He is staying in his ow
y client is Shehan Khan. He is working as a Financial Manager in JP Morgan Chase. He is earning
5000. He is staying in his own house. His Spouse is not working. He has a daughter currently 5
years old.
Index
Month April May

Income from Salary 85,000 85,000

Income from House Property 35,000 35,000
PPF 8000.00 8000.00
Total Salary 112,000 112,000

Income ( Monthly)
Age Year Salary Income From House 1
32 2016 112,000.00 35,000.00
33 2017 120,960.00 35,700.00
34 2018 130,636.80 37,485.00
35 2019 141,087.74 39,359.25
36 2020 152,374.76 41,327.21
37 2021 164,564.74 43,393.57
38 2022 177,729.92 45,563.25
39 2023 191,948.32 47,841.41
40 2024 207,304.18 50,233.49
41 2025 223,888.52 52,745.16
42 2026 241,799.60 55,382.42
43 2027 261,143.57 58,151.54
44 2028 282,035.05 61,059.12
45 2029 304,597.86 64,112.07
46 2030 328,965.69 67,317.67
47 2031 355,282.94 70,683.56
48 2032 383,705.58 74,217.74
49 2033 414,402.02 77,928.62
50 2034 447,554.18 81,825.05
51 2035 483,358.52 85,916.31
52 2036 522,027.20 90,212.12
53 2037 563,789.38 94,722.73
54 2038 608,892.53 99,458.86
55 2039 657,603.93 104,431.81
56 2040 109,653.40
57 2041 115,136.07
58 2042 120,892.87
59 2043 126,937.51
60 2044 133,284.39
61 2045 139,948.61
62 2046 146,946.04
63 2047 154,293.34
64 2048 - 162,008.01
65 2049 - 170,108.41
66 2050 - 178,613.83
67 2051 - 187,544.52
68 2052 - 196,921.75
69 2053 - 206,767.84
70 2054 - 217,106.23
71 2055 - 227,961.54
72 2056 - 239,359.62
73 2057 - 251,327.60
74 2058 - 263,893.98
75 2059 - 277,088.68
76 2060 - 290,943.11
77 2061 - 305,490.26
78 2062 - 320,764.78
79 2063 - 336,803.02
80 2064 - 353,643.17
81 2065 - 371,325.33
82 2066 - 389,891.59
83 2067 - 409,386.17
84 2068 - 429,855.48
85 2069 - 451,348.26
 FY 2016
June July August September

85,000 85,000 85,000 85,000

35,000 35,000 35,000 35,000
8000.00 8000.00 8000.00 8000.00
112,000 112,000 112,000 112,000

Total Monthly
Income Gross Income Tax
Income From House 2
147,000.00 1,764,000.00 329,200.00
156,660.00 1,879,920.00 363,976.00
168,121.80 2,017,461.60 405,238.48
180,446.99 2,165,363.93 449,609.18
193,701.98 2,324,423.71 497,327.11
207,958.32 2,495,499.81 548,649.94
223,293.18 2,679,518.11 603,855.43
239,789.73 2,877,476.79 663,243.04
257,537.67 3,090,452.02 727,135.61
50,000.00 326,633.68 3,919,604.13 975,881.24
51,000.00 348,182.02
Admin: 4,178,184.20 1,053,455.26
54,060.00 Assumed to
373,355.11 grow at a4,480,261.27 1,144,078.38
rate of 2% annually.
57,303.60 400,397.77 4,804,773.22 1,241,431.97
60,741.82 429,451.74 5,153,420.93 1,346,026.28
64,386.32 460,669.69 5,528,036.22 1,458,410.87
68,249.50 494,216.00 5,930,592.04 1,579,177.61
72,344.47 530,267.79 6,363,213.44 1,708,964.03
76,685.14 569,015.79 6,828,189.46 1,848,456.84
81,286.25 610,665.49 7,327,985.88 1,998,395.76
86,163.43 655,438.25 7,865,259.03 2,159,577.71
91,333.23 703,572.55 8,442,870.66 2,332,861.20
96,813.23 755,325.33 9,063,903.97 2,519,171.19
102,622.02 810,973.41 9,731,680.93 2,719,504.28
108,779.34 870,815.08 10,449,780.93 2,934,934.28
115,306.10 224,959.50 2,699,514.00 609,854.20
122,224.47 237,360.54 2,848,326.43 654,497.93
129,557.94 250,450.81 3,005,409.69 701,622.91
137,331.41 264,268.93 3,171,227.12 751,368.14
145,571.30 278,855.69 3,346,268.25 803,880.48
154,305.57 294,254.18 3,531,050.22 859,315.07
163,563.91 310,509.95 3,726,119.40 917,835.82
173,377.74 327,671.09 3,932,053.04 979,615.91
183,780.41 345,788.42 4,149,461.02 1,044,838.31
194,807.23 364,915.64 4,378,987.72 1,113,696.32
206,495.67 385,109.50 4,621,313.97 1,186,394.19
218,885.41 406,429.93 4,877,159.15 1,263,147.75
232,018.53 428,940.28 5,147,283.36 1,344,185.01
245,939.64 452,707.48 5,432,489.75 1,429,746.92
260,696.02 477,802.25 5,733,626.99 1,520,088.10
276,337.78 504,299.32 6,051,591.87 1,615,477.56
292,918.05 532,277.67 6,387,331.99 1,716,199.60
310,493.13 561,820.73 6,741,848.76 1,822,554.63
329,122.72 593,016.70 7,116,200.37 1,934,860.11
348,870.08 625,958.76 7,511,505.12 2,053,451.54
369,802.29 660,745.40 7,928,944.78 2,178,683.43
391,990.43 697,480.69 8,369,768.30 2,310,930.49
415,509.85 736,274.63 8,835,295.56 2,450,588.67
440,440.44 777,243.46 9,326,921.52 2,598,076.46
466,866.87 820,510.04 9,846,120.45 2,753,836.14
494,878.88 866,204.21 10,394,450.50 2,918,335.15
524,571.61 914,463.21 10,973,558.49 3,092,067.55
556,045.91 965,432.08 11,585,185.01 3,275,555.50
589,408.67 1,019,264.15 12,231,169.77 3,469,350.93
624,773.19 1,076,121.44 12,913,457.30 3,674,037.19
November December January February March

85,000 85,000 85,000 85,000 85,000

35,000 35,000 35,000 35,000 35,000
8000.00 8000.00 8000.00 8000.00 8000.00
112,000 112,000 112,000 112,000 112,000

Edu.Cess S.H. Edu Cess Net Income

6,584.00 3,292.00 1,424,924.00

7,279.52 3,639.76 1,505,024.72
8,104.77 4,052.38 1,600,065.97
8,992.18 4,496.09 1,702,266.47
9,946.54 4,973.27 1,812,176.79
10,973.00 5,486.50 1,930,390.37
12,077.11 6,038.55 2,057,547.01
13,264.86 6,632.43 2,194,336.46
14,542.71 7,271.36 2,341,502.35
19,517.62 9,758.81 2,914,446.45
21,069.11 10,534.55 3,093,125.29
22,881.57 11,440.78 3,301,860.54
24,828.64 12,414.32 3,526,098.29
26,920.53 13,460.26 3,767,013.86
29,168.22 14,584.11 4,025,873.03
31,583.55 15,791.78 4,304,039.10
34,179.28 17,089.64 4,602,980.49
36,969.14 18,484.57 4,924,278.92
39,967.92 19,983.96 5,269,638.24
43,191.55 21,595.78 5,640,893.99
46,657.22 23,328.61 6,040,023.62
50,383.42 25,191.71 6,469,157.64
54,390.09 27,195.04 6,930,591.52
58,698.69 29,349.34 7,426,798.62
12,197.08 6,098.54 2,071,364.17
13,089.96 6,544.98 2,174,193.56
14,032.46 7,016.23 2,282,738.09
15,027.36 7,513.68 2,397,317.94
16,077.61 8,038.80 2,518,271.36
17,186.30 8,593.15 2,645,955.70
18,356.72 9,178.36 2,780,748.50
19,592.32 9,796.16 2,923,048.65
20,896.77 10,448.38 3,073,277.56
22,273.93 11,136.96 3,231,880.51
23,727.88 11,863.94 3,399,327.95
25,262.95 12,631.48 3,576,116.97
26,883.70 13,441.85 3,762,772.80
28,594.94 14,297.47 3,959,850.42
30,401.76 15,200.88 4,167,936.25
32,309.55 16,154.78 4,387,649.98
34,323.99 17,162.00 4,619,646.41
36,451.09 18,225.55 4,864,617.49
38,697.20 19,348.60 5,123,294.46
41,069.03 20,534.52 5,396,450.04
43,573.67 21,786.83 5,684,900.84
46,218.61 23,109.30 5,989,509.89
49,011.77 24,505.89 6,311,189.23
51,961.53 25,980.76 6,650,902.77
55,076.72 27,538.36 7,009,669.23
58,366.70 29,183.35 7,388,565.30
61,841.35 30,920.68 7,788,728.92
65,511.11 32,755.56 8,211,362.84
69,387.02 34,693.51 8,657,738.31
73,480.74 36,740.37 9,129,198.99
Index

FY2016
Month April May June

Expenses

Grocery 5,000.00 5,800.00 5,200.00

Electricity 2,300.00 2,650.00 2,780.00
Internet 2,000.00 2,000.00 2,000.00
Fuel 4,000.00 4,000.00 4,000.00
Mobile bill 1,800.00 1,800.00 1,800.00
Miscellaneous 3,000.00 3,000.00 3,000.00
Clothing 6,000.00 6,000.00 6,000.00
Health Care 2,000.00 2,000.00 2,000.00

Total Expenses 26,100.00 27,250.00 26,780.00

Age Year Expenses Child Expense Total Expenses

32 2016 323,100.00 40,000.00 363,100.00
33 2017 342,486.00 44,000.00 386,486.00
34 2018 363,035.16 48,400.00 411,435.16
35 2019 384,817.27 53,240.00 438,057.27
36 2020 407,906.31 58,564.00 466,470.31
37 2021 432,380.68 64,420.40 496,801.08
38 2022 458,323.53 70,862.44 529,185.97
39 2023 485,822.94 77,948.68 563,771.62
40 2024 514,972.31 85,743.55 600,715.87
41 2025 545,870.65 94,317.91 640,188.56
42 2026 578,622.89 103,749.70 682,372.59
43 2027 613,340.26 114,124.67 727,464.93
44 2028 650,140.68 125,537.14 775,677.82
45 2029 689,149.12 138,090.85 827,239.97
46 2030 730,498.07 151,899.93 882,398.00
47 2031 774,327.95 167,089.93 941,417.88
48 2032 820,787.63 183,798.92 1,004,586.55
49 2033 870,034.89 870,034.89
50 2034 922,236.98 922,236.98
51 2035 977,571.20 977,571.20
52 2036 1,036,225.47 1,036,225.47
53 2037 1,098,399.00 1,098,399.00
54 2038 1,164,302.94 1,164,302.94
55 2039 1,234,161.12 1,234,161.12
56 2040 1,308,210.78 1,308,210.78
57 2041 1,386,703.43 1,386,703.43
58 2042 1,469,905.64 1,469,905.64
59 2043 1,558,099.97 1,558,099.97
60 2044 1,651,585.97 1,651,585.97
61 2045 1,750,681.13 1,750,681.13
62 2046 1,855,722.00 1,855,722.00
63 2047 1,967,065.32 1,967,065.32
64 2048 2,085,089.24 2,085,089.24
65 2049 2,210,194.59 2,210,194.59
66 2050 2,342,806.27 2,342,806.27
67 2051 2,483,374.64 - 2,483,374.64
68 2052 2,632,377.12 - 2,632,377.12
69 2053 2,790,319.75 - 2,790,319.75
70 2054 2,957,738.93 - 2,957,738.93
71 2055 3,135,203.27 - 3,135,203.27
72 2056 3,323,315.47 - 3,323,315.47
73 2057 3,522,714.39 - 3,522,714.39
74 2058 3,734,077.26 - 3,734,077.26
75 2059 3,958,121.89 - 3,958,121.89
76 2060 4,195,609.21 - 4,195,609.21
77 2061 4,447,345.76 - 4,447,345.76
78 2062 4,714,186.50 - 4,714,186.50
79 2063 4,997,037.69 - 4,997,037.69
80 2064 5,296,859.96 - 5,296,859.96
81 2065 5,614,671.55 - 5,614,671.55
82 2066 5,951,551.85 - 5,951,551.85
83 2067 6,308,644.96 - 6,308,644.96
84 2068 6,687,163.65 - 6,687,163.65
85 2069 7,088,393.47 - 7,088,393.47
 July August September October November December January

5,500.00 5,560.00 5,700.00 5,980.00 5,400.00 5,560.00 5,450.00

2,670.00 2,600.00 2,750.00 2,800.00 2,810.00 2,580.00 2,690.00
2,000.00 2,000.00 2,000.00 ### 2,000.00 ### 2,000.00
4,000.00 4,000.00 4,000.00 ### 4,000.00 ### 4,000.00
1,800.00 1,800.00 1,800.00 ### 1,800.00 ### 1,800.00
3,000.00 3,000.00 3,000.00 ### 3,000.00 ### 3,000.00
6,000.00 6,000.00 6,000.00 ### 6,000.00 ### 6,000.00
2,000.00 2,000.00 2,000.00 ### 2,000.00 ### 2,000.00

### ### 27,250.00 ### 27,010.00 ### ###

February March Total

5,200.00 5,300.00 65,650.00

2,600.00 2,620.00 31,850.00
2,000.00 2,000.00 24,000.00
4,000.00 4,000.00 48,000.00
1,800.00 1,800.00 21,600.00
3,000.00 3,000.00 36,000.00
6,000.00 6,000.00 72,000.00
2,000.00 2,000.00 24,000.00

### ### 323,100.00

Index
Assets Amount (Rs.)
Land 5,000,000.00
House Property 16,500,000.00
Gold 6,000,000.00
Cash in Bank 23,086,630.12
Total Assets 50,586,630.12
 Index
Liabilities

Year Amount Liquidated on

2018 1,250,000 2023

2025 4,000,000 2034
2034 4,000,000 2039

Laibility at the time of Retirement

2039 0
Index

Apr-18 Date Principal Interest

Total Loan 1,250,000
Rate 9.7% Apr-18 12864 10104
Tenure 72 May-18 12968 10000
EMI ### Jun-18 13073 9895
Jul-18 13179 9790
Aug-18 13285 9683
Sep-18 13393 9576
Oct-18 13501 9467
Nov-18 13610 9358
Dec-18 13720 9248
Jan-19 13831 9137
Feb-19 13943 9026
Mar-19 14056 8913
Apr-19 14169 8799
May-19 14284 8685
Jun-19 14399 8569
Jul-19 14516 8453
Aug-19 14633 8336
Sep-19 14751 8217
Oct-19 14871 8098
Nov-19 14991 7978
Dec-19 15112 7857
Jan-20 15234 7735
Feb-20 15357 7611
Mar-20 15481 7487
Apr-20 15607 7362
May-20 15733 7236
Jun-20 15860 7109
Jul-20 15988 6981
Aug-20 16117 6851
Sep-20 16248 6721
Oct-20 16379 6590
Nov-20 16511 6457
Dec-20 16645 6324
Jan-21 16779 6189
Feb-21 16915 6054
Mar-21 17052 5917
Apr-21 17190 5779
May-21 17328 5640
 Jun-21 17469 5500
Jul-21 17610 5359
Aug-21 17752 5217
Sep-21 17896 5073
Oct-21 18040 4928
Nov-21 18186 4783
Dec-21 18333 4636
Jan-22 18481 4487
Feb-22 18631 4338
Mar-22 18781 4187
Apr-22 18933 4036
May-22 19086 3883
Jun-22 19240 3728
Jul-22 19396 3573
Aug-22 19553 3416
Sep-22 19711 3258
Oct-22 19870 3099
Nov-22 20031 2938
Dec-22 20193 2776
Jan-23 20356 2613
Feb-23 20520 2448
Mar-23 20686 2282
Apr-23 20853 2115
May-23 21022 1947
Jun-23 21192 1777
Jul-23 21363 1605
Aug-23 21536 1433
Sep-23 21710 1259
Oct-23 21886 1083
Nov-23 22062 906
Dec-23 22241 728
Jan-24 22421 548
Feb-24 22602 367
Mar-24 22784 184
Apr-24 22969 0
EMI Liability

22969 1,250,000
22969 1,237,136
22969 1,224,167
22969 1,211,094
22969 1,197,915
22969 1,184,629
22969 1,171,236
22969 1,157,735
22969 1,144,125
22969 1,130,405
22969 1,116,574
22969 1,102,631
22969 1,088,575
22969 1,074,405
22969 1,060,122
22969 1,045,722
22969 1,031,207
22969 1,016,574
22969 1,001,822
22969 986,952
22969 971,961
22969 956,849
22969 941,615
22969 926,258
22969 910,776
22969 895,170
22969 879,437
22969 863,577
22969 847,589
22969 831,472
22969 815,224
22969 798,845
22969 782,334
22969 765,689
22969 748,910
22969 731,995
22969 714,943
22969 697,754
22969 680,425
22969 662,957
22969 645,347
22969 627,595
22969 609,699
22969 591,659
22969 573,473
22969 555,140
22969 536,659
22969 518,028
22969 499,247
22969 480,314
22969 461,228
22969 441,987
22969 422,591
22969 403,039
22969 383,328
22969 363,458
22969 343,427
22969 323,235
22969 302,879
22969 282,358
22969 261,672
22969 240,819
22969 219,797
22969 198,605
22969 177,241
22969 155,705
22969 133,995
22969 112,110
22969 90,048
22969 67,807
22969 45,386
22969 22,784
22969 0
Index

Apr-25 Date Principal Interest

Total Loan 4,000,000 Apr-25 17043.98 41133.33
Rate 12.34% May-25 17219.25 40958.06
Tenure 120 Jun-25 17396.32 40780.99
EMI 58,177.31 Jul-25 17575.21 40602.10
Aug-25 17755.95 40421.37
Sep-25 17938.54 40238.78
Oct-25 18123.00 40054.31
Nov-25 18309.37 39867.95
Dec-25 18497.65 39679.66
Jan-26 18687.87 39489.45
Feb-26 18880.04 39297.27
Mar-26 19074.19 39103.12
Apr-26 19270.34 38906.98
May-26 19468.50 38708.81
Jun-26 19668.70 38508.61
Jul-26 19870.96 38306.35
Aug-26 20075.30 38102.01
Sep-26 20281.74 37895.57
Oct-26 20490.31 37687.01
Nov-26 20701.01 37476.30
Dec-26 20913.89 37263.42
Jan-27 21128.95 37048.36
Feb-27 21346.23 36831.08
Mar-27 21565.74 36611.57
Apr-27 21787.51 36389.81
May-27 22011.56 36165.76
Jun-27 22237.91 35939.41
Jul-27 22466.59 35710.73
Aug-27 22697.62 35479.69
Sep-27 22931.03 35246.29
Oct-27 23166.84 35010.48
Nov-27 23405.07 34772.25
Dec-27 23645.75 34531.57
Jan-28 23888.91 34288.41
Feb-28 24134.56 34042.75
Mar-28 24382.75 33794.57
Apr-28 24633.48 33543.83
May-28 24886.80 33290.52
 Jun-28 25142.72 33034.60
Jul-28 25401.27 32776.05
Aug-28 25662.48 32514.84
Sep-28 25926.37 32250.94
Oct-28 26192.98 31984.33
Nov-28 26462.33 31714.98
Dec-28 26734.46 31442.86
Jan-29 27009.38 31167.94
Feb-29 27287.12 30890.19
Mar-29 27567.72 30609.59
Apr-29 27851.21 30326.10
May-29 28137.62 30039.70
Jun-29 28426.96 29750.35
Jul-29 28719.29 29458.03
Aug-29 29014.62 29162.70
Sep-29 29312.98 28864.33
Oct-29 29614.42 28562.89
Nov-29 29918.96 28258.36
Dec-29 30226.62 27950.69
Jan-30 30537.45 27639.86
Feb-30 30851.48 27325.84
Mar-30 31168.73 27008.58
Apr-30 31489.25 26688.06
May-30 31813.07 26364.25
Jun-30 32140.21 26037.10
Jul-30 32470.72 25706.59
Aug-30 32804.63 25372.69
Sep-30 33141.97 25035.35
Oct-30 33482.78 24694.54
Nov-30 33827.09 24350.22
Dec-30 34174.95 24002.37
Jan-31 34526.38 23650.93
Feb-31 34881.43 23295.89
Mar-31 35240.12 22937.19
Apr-31 35602.51 22574.80
May-31 35968.62 22208.69
Jun-31 36338.50 21838.81
Jul-31 36712.18 21465.13
Aug-31 37089.71 21087.61
Sep-31 37471.11 20706.20
Oct-31 37856.44 20320.88
Nov-31 38245.73 19931.59
Dec-31 38639.02 19538.29
Jan-32 39036.36 19140.95
Feb-32 39437.78 18739.53
Mar-32 39843.34 18333.98
Apr-32 40253.06 17924.26
May-32 40666.99 17510.32
Jun-32 41085.19 17092.13
Jul-32 41507.68 16669.64
Aug-32 41934.52 16242.80
Sep-32 42365.74 15811.57
Oct-32 42801.40 15375.91
Nov-32 43241.55 14935.77
Dec-32 43686.21 14491.10
Jan-33 44135.45 14041.86
Feb-33 44589.31 13588.00
Mar-33 45047.84 13129.48
Apr-33 45511.08 12666.23
May-33 45979.09 12198.23
Jun-33 46451.90 11725.41
Jul-33 46929.59 11247.73
Aug-33 47412.18 10765.14
Sep-33 47899.73 10277.58
Oct-33 48392.30 9785.01
Nov-33 48889.94 9287.38
Dec-33 49392.69 8784.63
Jan-34 49900.61 8276.71
Feb-34 50413.75 7763.56
Mar-34 50932.17 7245.14
Apr-34 51455.93 6721.39
May-34 51985.07 6192.25
Jun-34 52519.65 5657.67
Jul-34 53059.72 5117.59
Aug-34 53605.35 4571.96
Sep-34 54156.60 4020.72
Oct-34 54713.51 3463.81
Nov-34 55276.14 2901.17
Dec-34 55844.57 2332.75
Jan-35 56418.83 1758.48
Feb-35 56999.01 1178.31
Mar-35 57585.15 592.17
Apr-35 58177.31 0.00
 EMI Liability
58177.31 4000000.00
58177.31 3982956.02
58177.31 3965736.77
58177.31 3948340.45
58177.31 3930765.23
58177.31 3913009.29
58177.31 3895070.75
58177.31 3876947.75
58177.31 3858638.38
58177.31 3840140.73
58177.31 3821452.86
58177.31 3802572.82
58177.31 3783498.63
58177.31 3764228.29
58177.31 3744759.79
58177.31 3725091.09
58177.31 3705220.13
58177.31 3685144.83
58177.31 3664863.08
58177.31 3644372.78
58177.31 3623671.76
58177.31 3602757.87
58177.31 3581628.92
58177.31 3560282.69
58177.31 3538716.94
58177.31 3516929.44
58177.31 3494917.88
58177.31 3472679.97
58177.31 3450213.38
58177.31 3427515.76
58177.31 3404584.73
58177.31 3381417.90
58177.31 3358012.83
58177.31 3334367.08
58177.31 3310478.17
58177.31 3286343.61
58177.31 3261960.86
58177.31 3237327.38
58177.31 3212440.58
58177.31 3187297.86
58177.31 3161896.59
58177.31 3136234.11
58177.31 3110307.74
58177.31 3084114.76
58177.31 3057652.42
58177.31 3030917.97
58177.31 3003908.59
58177.31 2976621.47
58177.31 2949053.74
58177.31 2921202.53
58177.31 2893064.92
58177.31 2864637.95
58177.31 2835918.67
58177.31 2806904.05
58177.31 2777591.06
58177.31 2747976.64
58177.31 2718057.69
58177.31 2687831.07
58177.31 2657293.61
58177.31 2626442.13
58177.31 2595273.40
58177.31 2563784.15
58177.31 2531971.08
58177.31 2499830.87
58177.31 2467360.15
58177.31 2434555.52
58177.31 2401413.55
58177.31 2367930.77
58177.31 2334103.68
58177.31 2299928.73
58177.31 2265402.35
58177.31 2230520.92
58177.31 2195280.79
58177.31 2159678.28
58177.31 2123709.66
58177.31 2087371.16
58177.31 2050658.98
58177.31 2013569.27
58177.31 1976098.16
58177.31 1938241.72
58177.31 1899995.99
58177.31 1861356.97
58177.31 1822320.61
58177.31 1782882.83
58177.31 1743039.49
58177.31 1702786.43
58177.31 1662119.44
58177.31 1621034.25
58177.31 1579526.57
58177.31 1537592.05
58177.31 1495226.31
58177.31 1452424.91
58177.31 1409183.36
58177.31 1365497.15
58177.31 1321361.70
58177.31 1276772.38
58177.31 1231724.54
58177.31 1186213.46
58177.31 1140234.38
58177.31 1093782.47
58177.31 1046852.89
58177.31 999440.71
58177.31 951540.98
58177.31 903148.68
58177.31 854258.74
58177.31 804866.05
58177.31 754965.44
58177.31 704551.69
58177.31 653619.51
58177.31 602163.59
58177.31 550178.52
58177.31 497658.88
58177.31 444599.15
58177.31 390993.80
58177.31 336837.20
58177.31 282123.70
58177.31 226847.56
58177.31 171002.99
58177.31 114584.16
58177.31 57585.15
58177.31 0
Index

Apr-34 Date Principal

Total Loan 4,000,000
Rate 11.10% Apr-34 50,169.31
Tenure 60 May-34 50,633.37
EMI 87,169.31 Jun-34 51,101.73
Jul-34 51,574.42
Aug-34 52,051.49
Sep-34 52,532.96
Oct-34 53,018.89
Nov-34 53,509.32
Dec-34 54,004.28
Jan-35 54,503.82
Feb-35 55,007.98
Mar-35 55,516.80
Apr-35 56,030.33
May-35 56,548.61
Jun-35 57,071.69
Jul-35 57,599.60
Aug-35 58,132.40
Sep-35 58,670.12
Oct-35 59,212.82
Nov-35 59,760.54
Dec-35 60,313.33
Jan-36 60,871.22
Feb-36 61,434.28
Mar-36 62,002.55
Apr-36 62,576.07
May-36 63,154.90
Jun-36 63,739.09
Jul-36 64,328.67
Aug-36 64,923.71
Sep-36 65,524.26
Oct-36 66,130.36
Nov-36 66,742.06
Dec-36 67,359.43
Jan-37 67,982.50
Feb-37 68,611.34
Mar-37 69,245.99
Apr-37 69,886.52
May-37 70,532.97
Jun-37 71,185.40
Jul-37 71,843.86
Aug-37 72,508.42
Sep-37 73,179.12
Oct-37 73,856.03
Nov-37 74,539.20
Dec-37 75,228.69
Jan-38 75,924.55
Feb-38 76,626.85
Mar-38 77,335.65
Apr-38 78,051.01
May-38 78,772.98
Jun-38 79,501.63
Jul-38 80,237.02
Aug-38 80,979.21
Sep-38 81,728.27
Oct-38 82,484.25
Nov-38 83,247.23
Dec-38 84,017.27
Jan-39 84,794.43
Feb-39 85,578.78
Mar-39 86,370.38
Apr-39 87,169.31
Interest EMI Liability

37,000.00 87,169.31 4,000,000.00

36,535.93 87,169.31 3,949,830.69
36,067.58 87,169.31 3,899,197.32
35,594.88 87,169.31 3,848,095.58
35,117.82 87,169.31 3,796,521.16
34,636.34 87,169.31 3,744,469.67
34,150.41 87,169.31 3,691,936.71
33,659.99 87,169.31 3,638,917.81
33,165.03 87,169.31 3,585,408.49
32,665.49 87,169.31 3,531,404.21
32,161.33 87,169.31 3,476,900.39
31,652.50 87,169.31 3,421,892.41
31,138.97 87,169.31 3,366,375.61
30,620.69 87,169.31 3,310,345.27
30,097.62 87,169.31 3,253,796.66
29,569.71 87,169.31 3,196,724.97
29,036.91 87,169.31 3,139,125.37
28,499.18 87,169.31 3,080,992.97
27,956.49 87,169.31 3,022,322.84
27,408.77 87,169.31 2,963,110.02
26,855.98 87,169.31 2,903,349.48
26,298.08 87,169.31 2,843,036.16
25,735.03 87,169.31 2,782,164.93
25,166.76 87,169.31 2,720,730.65
24,593.23 87,169.31 2,658,728.10
24,014.41 87,169.31 2,596,152.02
23,430.22 87,169.31 2,532,997.12
22,840.64 87,169.31 2,469,258.04
22,245.60 87,169.31 2,404,929.36
21,645.05 87,169.31 2,340,005.65
21,038.95 87,169.31 2,274,481.40
20,427.25 87,169.31 2,208,351.04
19,809.88 87,169.31 2,141,608.98
19,186.81 87,169.31 2,074,249.55
18,557.97 87,169.31 2,006,267.05
17,923.32 87,169.31 1,937,655.71
 17,282.79 87,169.31 1,868,409.72
16,636.34 87,169.31 1,798,523.20
15,983.91 87,169.31 1,727,990.23
15,325.44 87,169.31 1,656,804.83
14,660.89 87,169.31 1,584,960.97
13,990.19 87,169.31 1,512,452.55
13,313.28 87,169.31 1,439,273.43
12,630.11 87,169.31 1,365,417.40
11,940.62 87,169.31 1,290,878.20
11,244.76 87,169.31 1,215,649.51
10,542.46 87,169.31 1,139,724.96
9,833.66 87,169.31 1,063,098.11
9,118.30 87,169.31 985,762.46
8,396.33 87,169.31 907,711.45
7,667.68 87,169.31 828,938.48
6,932.29 87,169.31 749,436.85
6,190.10 87,169.31 669,199.83
5,441.04 87,169.31 588,220.62
4,685.05 87,169.31 506,492.35
3,922.07 87,169.31 424,008.10
3,152.04 87,169.31 340,760.86
2,374.88 87,169.31 256,743.59
1,590.53 87,169.31 171,949.16
798.93 87,169.31 86,370.38
0.00 87,169.31 0.00
Index

For the Purchase of House

Amounted invested in Equity Mutual Fund ( Blue Chip Fund)
Year
Monthly Investment
Investment Period
Average Return Expected
Maturity Value

Retirement Plan
Year
Monthly Investment
Investment Period
Returns Expected per annum
Maturity Value
Mutual Fund ( Moderate Risk)

Year
Monthly Investment
Investment Period
Average Return expected
Maturity Value
High Risk Equity Fund

Year
Monthly Investment
Investment Period
Returns Expected per annum
Maturity Value
Hybrid Fund ( 40 % debt and 60% equity)

Medical Funds
Year
Monthly Investment
Investment Period
Returns Expected per annum
Maturity Value
ELSS (High Risk)

Year
Monthly Investment
Investment Period
Returns Expected per annum
Maturity Value
Equity Fund

Shafana's Marriage
Year
Monthly Investment
Investment Period
Returns Expected per annum
Maturity Value
Invested in MF comprising of 75% debt and 25% equity.
urchase of House
ty Mutual Fund ( Blue Chip Fund)
2018
30,000
7
16.94%
4,773,665.79

2020
25,000
10
12.36%
5,874,097.06

2026
30,000
10
12.87%
7,263,200.22

2029
45,700
8
11.84%
7,256,544.28

2026
25,000
10
14.20%
6,555,162.41

2036
30,000
3
13.98%
1,332,272.44
 2017
5,000
23
8%
3,943,655.57
0
Index Cash Inflow

Age Year Income Loan Shafana's Marriage SIP ( House)

32 2016 1,424,924
33 2017 1,505,025
34 2018 1,600,066 1,250,000
35 2019 1,702,266
36 2020 1,812,177
37 2021 1,930,390
38 2022 2,057,547
39 2023 2,194,336
40 2024 2,341,502
41 2025 2,914,446 4,000,000 4773665.79
42 2026 3,093,125
43 2027 3,301,861
44 2028 3,526,098
45 2029 3,767,014
46 2030 4,025,873
47 2031 4,304,039
48 2032 4,602,980
49 2033 4,924,279
50 2034 5,269,638 4,000,000
51 2035 5,640,894
52 2036 6,040,024
53 2037 6,469,158
54 2038 6,930,592
55 2039 7,426,799
56 2040 2,071,364 3,943,655.57
57 2041 2,174,194
58 2042 2,282,738
59 2043 2,397,318
60 2044 2,518,271
61 2045 2,645,956
62 2046 2,780,749
63 2047 2,923,049
64 2048 3,073,278
65 2049 3,231,881
66 2050 3,399,328
67 2051 3,576,117
68 2052 3,762,773
69 2053 3,959,850
70 2054 4,167,936
71 2055 4,387,650
72 2056 4,619,646
73 2057 4,864,617
74 2058 5,123,294
75 2059 5,396,450
76 2060 5,684,901
77 2061 5,989,510
78 2062 6,311,189
79 2063 6,650,903
80 2064 7,009,669
81 2065 7,388,565
82 2066 7,788,729
83 2067 8,211,363
84 2068 8,657,738
85 2069 9,129,199
Net Cash Inflow Expenses Total EMI Purchase of Car House
1,424,924 323,100.00
1,505,025 386,486.00
2,850,066 411,435.16 1,400,000
1,702,266 438,057.27 275,623.66
1,812,177 466,470.31 275,623.66
1,930,390 496,801.08 275,623.66
2,057,547 529,185.97 275,623.66
2,194,336 563,771.62 275,623.66
2,341,502 600,715.87 275,623.66
11,688,112 640,188.56 3,000,000 6,500,000
3,093,125 682,372.59 698,127.78
3,301,861 727,464.93 698,127.78
3,526,098 775,677.82 698,127.78
3,767,014 827,239.97 698,127.78
4,025,873 882,398.00 698,127.78
4,304,039 941,417.88 698,127.78
4,602,980 1,004,586.55 698,127.78
4,924,279 870,034.89 698,127.78
9,269,638 922,236.98 698,127.78
5,640,894 977,571.20 1,744,159.48
6,040,024 1,036,225.47 1,046,031.70
6,469,158 1,098,399.00 1,046,031.70
6,930,592 1,164,302.94 1,046,031.70
7,426,799 1,234,161.12 1,046,031.70
6,015,020 1,308,210.78
2,174,194 1,386,703.43
2,282,738 1,469,905.64
2,397,318 1,558,099.97
2,518,271 1,651,585.97
2,645,956 1,750,681.13
2,780,749 1,855,722.00
2,923,049 1,967,065.32
3,073,278 2,085,089.24
3,231,881 2,210,194.59
3,399,328 2,342,806.27
3,576,117 2,483,374.64
3,762,773 2,632,377.12
3,959,850 2,790,319.75
4,167,936 2,957,738.93
4,387,650 3,135,203.27
4,619,646 3,323,315.47
4,864,617 3,522,714.39
5,123,294 3,734,077.26
5,396,450 3,958,121.89
5,684,901 4,195,609.21
5,989,510 4,447,345.76
6,311,189 4,714,186.50
6,650,903 4,997,037.69
7,009,669 5,296,859.96
7,388,565 5,614,671.55
7,788,729 5,951,551.85
8,211,363 6,308,644.96
8,657,738 6,687,163.65
9,129,199 7,088,393.47
 Cash Outflow

SIP ( Retirement) SIP ( House) Shafana's marriage Emergency Fund

60,000
360,000 60,000
360,000 60,000
300,000.00 360,000 60,000
300,000.00 360,000 60,000
300,000.00 360,000 60,000
300,000.00 360,000 60,000
300,000.00 360,000 60,000
300,000.00 60,000
660,000.00 60,000 300,000
660,000.00 60,000 300,000
660,000.00 60,000 300,000
1,208,400.00 60,000 300,000
908,400.00 60,000 300,000
908,400.00 60,000 300,000
908,400.00 60,000 300,000
908,400.00 60,000 300,000
908,400.00 60,000 300,000
908,400.00 60,000 300,000
548,400.00 60,000 360,000
60,000 360,000
60,000 360,000
60,000
3,900,000
Vacation Higher Education Total Surplus/Deficit
70,000 393100.00 1,031,824.00
73,500 519986.00 985,038.72
77,175 2308610.16 541,455.81
81,034 1214714.68 487,551.79
85,085 1547179.41 264,997.38
89,340 1581764.46 348,625.91
93,807 1618616.32 438,930.69
98,497 1657892.31 536,444.15
103,422 1699761.41 641,740.94
108,593 10608781.53 1,079,330.71
114,023 2514522.99 578,602.29
119,724 2565316.47 736,544.07
125,710 2619515.54 906,582.76
131,995 3225763.19 541,250.67
138,595 2987520.99 1,038,352.04
145,525 3053470.63 1,250,568.47
152,801 3123915.55 1,479,064.94
160,441 2997003.95 1,927,274.97
168,463 5,000,000 8057228.11 1,212,410.14
176,887 4167017.20 1,473,876.79
185,731 3236388.02 2,803,635.61
195,017 2759448.09 3,709,709.56
204,768 2835102.89 4,095,488.63
215,007 2555199.48 4,871,599.14
225,757 5433967.78 581,051.96
237,045 1623748.28 550,445.29
248,897 1718802.72 563,935.37
261,342 1819441.92 577,876.03
274,409 1925995.01 592,276.35
288,129 2038810.62 607,145.08
302,536 2158257.96 622,490.54
317,663 2284728.08 638,320.57
333,546 2418635.14 654,642.42
350,223 2560417.79 671,462.72
367,734 2710540.62 688,787.33
386,121 2869495.72 706,621.25
405,427 3037804.25 724,968.55
425,698 3216018.23 743,832.18
446,983 3404722.34 763,213.91
469,333 3604535.85 783,114.13
492,799 3816114.68 803,531.73
517,439 4040153.56 824,463.93
543,311 4277388.39 845,906.07
570,477 4528598.58 867,851.46
599,001 4794609.73 890,291.12
628,951 5076296.30 913,213.59
660,398 5374584.58 936,604.66
693,418 5690455.67 960,447.10
728,089 6024948.83 984,720.40
764,493 6379164.87 1,009,400.42
802,718 6754269.83 1,034,459.09
842,854 7151498.84 1,059,864.00
884,997 7572160.23 1,085,578.08
929,246 8017639.88 1,111,559.11
70% transferred to Saving's AccouInterest @ 4%
722,276.80 28,891
689,527.10 27,581
379,019.06 15,161
341,286.25 13,651
185,498.17 7,420
244,038.14 9,762
307,251.48 12,290
375,510.90 15,020
449,218.66 17,969
755,531.50 30,221
405,021.61 16,201
515,580.85 20,623
634,607.93 25,384
378,875.47 15,155
726,846.43 29,074
875,397.93 35,016
1,035,345.46 41,414
1,349,092.48 53,964
848,687.09 33,947
1,031,713.75 41,269
1,962,544.93 78,502
2,596,796.69 103,872
2,866,842.04 114,674
3,410,119.40 136,405 923,465
Index
PPF Calculator
Monthly Yearly
Year Age Opening Balance Contribution Contribution
2016 32 - 8,000.00 96,000.00
2017 33 104,352.00 8,000.00 96,000.00
2018 34 217,782.62 8,000.00 96,000.00
2019 35 341,081.71 8,000.00 96,000.00
2020 36 475,107.82 8,000.00 96,000.00
2021 37 620,794.20 8,000.00 96,000.00
2022 38 779,155.30 8,000.00 96,000.00
2023 39 951,293.81 8,000.00 96,000.00
2024 40 1,138,408.37 8,000.00 96,000.00
2025 41 1,341,801.90 8,000.00 96,000.00
2026 42 1,562,890.66 8,000.00 96,000.00
2027 43 1,803,214.15 8,000.00 96,000.00
2028 44 2,064,445.78 8,000.00 96,000.00
2029 45 2,348,404.56 8,000.00 96,000.00
2030 46 2,657,067.76 8,000.00 96,000.00
2031 47 2,992,584.66 8,000.00 96,000.00
2032 48 3,357,291.52 8,000.00 96,000.00
2033 49 3,753,727.88 8,000.00 96,000.00
2034 50 4,184,654.21 8,000.00 96,000.00
2035 51 4,653,071.13 8,000.00 96,000.00
2036 52 5,162,240.31 8,000.00 96,000.00
2037 53 5,715,707.22 8,000.00 96,000.00
2038 54 6,317,325.75 8,000.00 96,000.00
2039 55 6,971,285.09 8,000.00 96,000.00
Intrest Rate
@8.7% Closing Balance
8,352.00 104,352.00
17,430.62 217,782.62
27,299.09 341,081.71
38,026.11 475,107.82
49,686.38 620,794.20
62,361.10 779,155.30
76,138.51 951,293.81
91,114.56 1,138,408.37
107,393.53 1,341,801.90
125,088.77 1,562,890.66
144,323.49 1,803,214.15
165,231.63 2,064,445.78
187,958.78 2,348,404.56
212,663.20 2,657,067.76
239,516.90 2,992,584.66
268,706.87 3,357,291.52
300,436.36 3,753,727.88
334,926.33 4,184,654.21
372,416.92 4,653,071.13
413,169.19 5,162,240.31
457,466.91 5,715,707.22
505,618.53 6,317,325.75
557,959.34 6,971,285.09
614,853.80 7,682,138.89
Index

Corpus

Mutual Funds ( Moderate Risk)

High Risk Equity Funds
Hybrid Fund
PPF
Total Corpus at the time of Retirement

Medical Funds

Year
2040
2041
2042
2043
2044
2045
2046
2047
2048
2049
2050
2051
2052
2053
2054
2055
2056
2057
2058
2059
2060
2061
2062
2063
2064
2065
2066
2067
2068
2069
 5,874,097.06
7,263,200.22
7,256,544.28
7,682,138.89
28,075,980.45

8,810,900.06

Interest 8% Inflation
Opening Balance Interest Expenses
28,075,980.45 2,246,078.44 1,308,210.78
29,013,848.10 2,321,107.85 1,386,703.43
29,948,252.52 2,395,860.20 1,469,905.64
30,874,207.09 2,469,936.57 1,558,099.97
31,786,043.68 2,542,883.49 1,651,585.97
32,677,341.20 2,614,187.30 1,750,681.13
33,540,847.37 2,683,267.79 1,855,722.00
34,368,393.16 2,749,471.45 1,967,065.32
35,150,799.30 2,812,063.94 2,085,089.24
35,877,774.00 2,870,221.92 2,210,194.59
36,537,801.33 2,923,024.11 2,342,806.27
37,118,019.17 2,969,441.53 2,483,374.64
37,604,086.06 3,008,326.89 2,632,377.12
37,980,035.83 3,038,402.87 2,790,319.75
38,228,118.95 3,058,249.52 2,957,738.93
38,328,629.53 3,066,290.36 3,135,203.27
38,259,716.62 3,060,777.33 3,323,315.47
37,997,178.48 3,039,774.28 3,522,714.39
37,514,238.37 3,001,139.07 3,734,077.26
36,781,300.18 2,942,504.01 3,958,121.89
35,765,682.31 2,861,254.58 4,195,609.21
34,431,327.68 2,754,506.21 4,447,345.76
32,738,488.14 2,619,079.05 4,714,186.50
30,643,380.69 2,451,470.45 4,997,037.69
28,097,813.45 2,247,825.08 5,296,859.96
25,048,778.57 2,003,902.29 5,614,671.55
21,438,009.30 1,715,040.74 5,951,551.85
17,201,498.20 1,376,119.86 6,308,644.96
12,268,973.10 981,517.85 6,687,163.65
6,563,327.29 525,066.18 7,088,393.47
 6%
Closing Balance
29,013,848.10
29,948,252.52
30,874,207.09
31,786,043.68
32,677,341.20
33,540,847.37
34,368,393.16
35,150,799.30
35,877,774.00
36,537,801.33
37,118,019.17
37,604,086.06
37,980,035.83
38,228,118.95
38,328,629.53
38,259,716.62
37,997,178.48
37,514,238.37
36,781,300.18
35,765,682.31
34,431,327.68
32,738,488.14
30,643,380.69
28,097,813.45
25,048,778.57
21,438,009.30
17,201,498.20
12,268,973.10
6,563,327.29
0.00