WEALTH MANAGEMENT PRO

PREPARED BY:
Group
Utkarsh Maheshwari
Tanya Patel
Aarushi Chawla
Divik Jain
AGEMENT PROJECT
PARED BY:
6
E095
E113
E128
E142
 QUES

Name
Age
Gender
Education
Marital status
Current Occupation
Income Per Annum
Other potential sources of Income?
Expenses per annum?
Any Comorbidity?
Do you have any Insurance Cover? Please specify.
What is your asset and debt position?
Are there any significant life events or expenses on the horizon (e.g., education expenses, healthcare needs) that need to be factored in
Who are you financially responsible for?
Which of the following advisors you have
?
Are there any major life changes you predict for the future?
What stressors keep you up at night?
Do you have an emergency fund, and if so, how many months of living expenses does it cover?
What are your core values in terms of Investments?
What are your short term and long term financial goals?
Do you feel you are on the right track to meet your financial goals?
What is your relationship with money been like?
How do you define risk?
Please select the risk appetite that best describes your investment objectives?
What percent of loss in your overall investment portfolio would start to cause you considerable discomfort?
Please state any voluntary restrictions which your fund needs to adhere to (such as investing only in ethical funds, carbon-neutral fund
Please state any preferences or restrictions you have towards diversification (such as a minimum % of the fund should be invested in eq
What are your current investments, their duration and current market value?
Have you experienced any significant investment losses or gains in the past that have influenced your risk tolerance?
If yes, please specify?
At what age do you plan to retire?
Why is it important to retire at the above mentioned age?
What does retirement look like to you? Please describe the standard of living you wish to have post retirement?
What do you hope to gain from Financial Planning?
Any other important information which you feel is necessary for me to know?
What do you hope to gain from this process?
NARIE & RESPONSES

Manav Dhingra
26
Male
MBA
Un-married
Employed at oxane partners
1500000-2000000
Ancestral plot
710221
None
Yes. I am having 2 LIC policies having sum assured of Rs 400000 and 1 Family floater health Insurance Policy of sum insured of Rs. 1000000.
Total Assets worth Rs. 53225328 and Debt of Rs. 4031898.
Loan repayment
Parents and myself

Marriage
Job Stability
500 square metres plot in commercial Area of Park street
Highly Risk Averse
Short term - Loan Repayment & Long Term - Child's education and retirement plan
Yes
Positive, pretty good with savings.
Like investing in stocks market.
Low
30%-35%
N/A
PPF - 30%, Gold bonds - 20%, Insurance - 40% & SIP - 10%
PPF - 15+ years, SIP - 10 years
Yes
Unknowingly invested in a Ponzi scheme
60
Want to peacefully live my life and spend time with family
Financially self sufficient, living a simple life with family in Kolkata, doing freelancing.
Be in control of my expenses investments and income so that I can manage my money and achieve my goals.
No.
Financial stability and Wealth creation.
cy of sum insured of Rs. 1000000.
1) Your present job or business is:
esent job or business is:

Question
1) Your present job or business is:
2)The number of years you have until retirement is
3)If your current source of income were to stop today, for how long will your present savings support you?
4) You have to financially support:
5) Your current annual family* savings (income less expenses) are:
6) Which of these objectives is the most important to you from an investment perspective
7) what best describes your understanding of the investment market?
8) Which is the riskiest option you have invested in
9) Your preferred strategy for managing investment risk is
10) How would you describe yourself as a risk-taker?

CONCLUSION-
The client exhibits a conservative risk profile. Investments should focus on capital preservation with moderate growth, inclu
 Ans.
Secured
More than 30 years
1 year
family
5-10 lacs
preserving wealth and long term growth
slight awareness of the investment market. However, want to build my knowledge and understanding
Bonds or Debt Mutual Funds
To have a diversified investment portfolio across a range of asset classes to minimise risk.
Low risk taking capability

ith moderate growth, including government securities, fixed deposits, and diversified mutual funds (low-risk).
 CURRENT INVESTMENTS
The client is highly risk averse and focuses more on safe investments

Assets
Government Schemes Amount Private Schemes
PPF (15+ years) ₹ 100,000.00 SIP (10 years)
LIC (Death Cover) ₹ 400,000.00 Cash at bank +( Emergency fund)
Soverign gold bond(Series II) (8 years) ₹ 50,000.00
Fixed Assets
Land ₹ 50,000,000.00 (Market value)
Home ₹ 2,000,000.00
Car ₹ 1,000,000.00
TOTAL ASSETS

Liabilities
Amount
Education loan ₹ 3,000,000.00
TOTAL LIABILITIES ₹ 3,000,000.00
 GOALS
ments

Amount Short term goal Loan Repayment

₹ 63,204.00 Long term goal Child's higher education and retirement plan
525498
Income per annum ₹ 1,651,000.00
Expenses per annum ₹ 710,221.00

₹ 54,138,702.00
 INCOME STATEMENT
Compensation Structure PM Annual
Base Salary ₹ 25,000.00
Supp Allowance ₹ 53,750.00
Super annuation allowance ₹ 3,750.00
Gross Salary ₹ 82,500.00
Retirals ₹ 5,083.00
Total Fixed pay ₹ 87,583.00 ₹ 1,050,996.00
Performance linked retirement pla ₹ 12,500.00 ₹ 150,000.00
Cost of loan ₹ 4,167.00 ₹ 50,004.00
Annual deffered allowance ₹ 400,000.00
Total CTC ₹ 104,250.00 ₹ 1,651,000.00

PM YEARLY
1 st month expense ₹ 76,058.43 ₹ 76,058.43
Remaining 11 months ₹ 57,834.43 ₹ 636,178.75
Total Expenses ₹ 712,237.18
COME STATEMENT
Expenses PM
Household ₹ 25,000.00
Loan ₹ 22,567.43
Personal Expenses ₹ 5,000.00
Health Insurance ₹ 6,000.00
LIC ₹ 12,224.00
SIP ₹ 5,267.00
Total ₹ 76,058.43
Expenses Post retirement ₹ 35,000.00
Risk free rate 7.20%
Health Insurance post retirement 10000
Child Education after 20 years 4000000
Life Expectancy 75
Inflation rate 6%
Growth rate 10%
Amount Saved in Bank @4% PA* ₹ 6,441.57
 LOAN AMORTIZATION
Annual Int Rate 9%
Monthly Int Rate 0.750%
Years 15
Total payments 180
Payments per year 12
Amount ₹ 2,225,000.00

Payment Number Beginning balance payment

1 ₹ 2,225,000 ₹ 22,567.43
2 ₹ 2,219,120 ₹ 22,567.43
3 ₹ 2,213,196 ₹ 22,567.43
4 ₹ 2,207,228 ₹ 22,567.43
5 ₹ 2,201,214 ₹ 22,567.43
6 ₹ 2,195,156 ₹ 22,567.43
7 ₹ 2,189,052 ₹ 22,567.43
8 ₹ 2,182,903 ₹ 22,567.43
9 ₹ 2,176,707 ₹ 22,567.43
10 ₹ 2,170,465 ₹ 22,567.43
11 ₹ 2,164,176 ₹ 22,567.43
12 ₹ 2,157,840 ₹ 22,567.43
13 ₹ 2,151,456 ₹ 22,567.43
14 ₹ 2,145,025 ₹ 22,567.43
15 ₹ 2,138,545 ₹ 22,567.43
16 ₹ 2,132,017 ₹ 22,567.43
17 ₹ 2,125,439 ₹ 22,567.43
18 ₹ 2,118,813 ₹ 22,567.43
19 ₹ 2,112,136 ₹ 22,567.43
20 ₹ 2,105,410 ₹ 22,567.43
21 ₹ 2,098,633 ₹ 22,567.43
22 ₹ 2,091,805 ₹ 22,567.43
23 ₹ 2,084,927 ₹ 22,567.43
24 ₹ 2,077,996 ₹ 22,567.43
25 ₹ 2,071,014 ₹ 22,567.43
26 ₹ 2,063,979 ₹ 22,567.43
27 ₹ 2,056,891 ₹ 22,567.43
28 ₹ 2,049,750 ₹ 22,567.43
29 ₹ 2,042,556 ₹ 22,567.43
30 ₹ 2,035,308 ₹ 22,567.43
31 ₹ 2,028,005 ₹ 22,567.43
32 ₹ 2,020,648 ₹ 22,567.43
33 ₹ 2,013,235 ₹ 22,567.43
34 ₹ 2,005,767 ₹ 22,567.43
35 ₹ 1,998,243 ₹ 22,567.43
36 ₹ 1,990,662 ₹ 22,567.43
37 ₹ 1,983,025 ₹ 22,567.43
38 ₹ 1,975,330 ₹ 22,567.43
39 ₹ 1,967,578 ₹ 22,567.43
40 ₹ 1,959,767 ₹ 22,567.43
41 ₹ 1,951,898 ₹ 22,567.43
42 ₹ 1,943,970 ₹ 22,567.43
43 ₹ 1,935,982 ₹ 22,567.43
44 ₹ 1,927,934 ₹ 22,567.43
45 ₹ 1,919,827 ₹ 22,567.43
46 ₹ 1,911,658 ₹ 22,567.43
47 ₹ 1,903,428 ₹ 22,567.43
48 ₹ 1,895,136 ₹ 22,567.43
49 ₹ 1,886,782 ₹ 22,567.43
50 ₹ 1,878,366 ₹ 22,567.43
51 ₹ 1,869,886 ₹ 22,567.43
52 ₹ 1,861,343 ₹ 22,567.43
53 ₹ 1,852,735 ₹ 22,567.43
54 ₹ 1,844,063 ₹ 22,567.43
55 ₹ 1,835,326 ₹ 22,567.43
56 ₹ 1,826,524 ₹ 22,567.43
57 ₹ 1,817,655 ₹ 22,567.43
58 ₹ 1,808,720 ₹ 22,567.43
59 ₹ 1,799,718 ₹ 22,567.43
60 ₹ 1,790,649 ₹ 22,567.43
61 ₹ 1,781,511 ₹ 22,567.43
62 ₹ 1,772,305 ₹ 22,567.43
63 ₹ 1,763,030 ₹ 22,567.43
64 ₹ 1,753,685 ₹ 22,567.43
65 ₹ 1,744,271 ₹ 22,567.43
66 ₹ 1,734,785 ₹ 22,567.43
67 ₹ 1,725,229 ₹ 22,567.43
68 ₹ 1,715,600 ₹ 22,567.43
69 ₹ 1,705,900 ₹ 22,567.43
70 ₹ 1,696,127 ₹ 22,567.43
71 ₹ 1,686,280 ₹ 22,567.43
72 ₹ 1,676,360 ₹ 22,567.43
73 ₹ 1,666,365 ₹ 22,567.43
74 ₹ 1,656,295 ₹ 22,567.43
75 ₹ 1,646,150 ₹ 22,567.43
76 ₹ 1,635,929 ₹ 22,567.43
77 ₹ 1,625,631 ₹ 22,567.43
78 ₹ 1,615,256 ₹ 22,567.43
79 ₹ 1,604,803 ₹ 22,567.43
80 ₹ 1,594,271 ₹ 22,567.43
81 ₹ 1,583,661 ₹ 22,567.43
82 ₹ 1,572,971 ₹ 22,567.43
 83 ₹ 1,562,201 ₹ 22,567.43
84 ₹ 1,551,350 ₹ 22,567.43
85 ₹ 1,540,418 ₹ 22,567.43
86 ₹ 1,529,403 ₹ 22,567.43
87 ₹ 1,518,306 ₹ 22,567.43
88 ₹ 1,507,126 ₹ 22,567.43
89 ₹ 1,495,862 ₹ 22,567.43
90 ₹ 1,484,514 ₹ 22,567.43
91 ₹ 1,473,080 ₹ 22,567.43
92 ₹ 1,461,561 ₹ 22,567.43
93 ₹ 1,449,955 ₹ 22,567.43
94 ₹ 1,438,262 ₹ 22,567.43
95 ₹ 1,426,482 ₹ 22,567.43
96 ₹ 1,414,613 ₹ 22,567.43
97 ₹ 1,402,655 ₹ 22,567.43
98 ₹ 1,390,608 ₹ 22,567.43
99 ₹ 1,378,470 ₹ 22,567.43
100 ₹ 1,366,241 ₹ 22,567.43
101 ₹ 1,353,920 ₹ 22,567.43
102 ₹ 1,341,507 ₹ 22,567.43
103 ₹ 1,329,001 ₹ 22,567.43
104 ₹ 1,316,401 ₹ 22,567.43
105 ₹ 1,303,707 ₹ 22,567.43
106 ₹ 1,290,917 ₹ 22,567.43
107 ₹ 1,278,032 ₹ 22,567.43
108 ₹ 1,265,050 ₹ 22,567.43
109 ₹ 1,251,970 ₹ 22,567.43
110 ₹ 1,238,792 ₹ 22,567.43
111 ₹ 1,225,516 ₹ 22,567.43
112 ₹ 1,212,140 ₹ 22,567.43
113 ₹ 1,198,663 ₹ 22,567.43
114 ₹ 1,185,086 ₹ 22,567.43
115 ₹ 1,171,407 ₹ 22,567.43
116 ₹ 1,157,625 ₹ 22,567.43
117 ₹ 1,143,740 ₹ 22,567.43
118 ₹ 1,129,750 ₹ 22,567.43
119 ₹ 1,115,656 ₹ 22,567.43
120 ₹ 1,101,456 ₹ 22,567.43
121 ₹ 1,087,149 ₹ 22,567.43
122 ₹ 1,072,735 ₹ 22,567.43
123 ₹ 1,058,214 ₹ 22,567.43
124 ₹ 1,043,583 ₹ 22,567.43
125 ₹ 1,028,842 ₹ 22,567.43
126 ₹ 1,013,991 ₹ 22,567.43
127 ₹ 999,029 ₹ 22,567.43
128 ₹ 983,954 ₹ 22,567.43
129 ₹ 968,766 ₹ 22,567.43
130 ₹ 953,464 ₹ 22,567.43
131 ₹ 938,048 ₹ 22,567.43
132 ₹ 922,516 ₹ 22,567.43
133 ₹ 906,867 ₹ 22,567.43
134 ₹ 891,101 ₹ 22,567.43
135 ₹ 875,217 ₹ 22,567.43
136 ₹ 859,214 ₹ 22,567.43
137 ₹ 843,091 ₹ 22,567.43
138 ₹ 826,846 ₹ 22,567.43
139 ₹ 810,480 ₹ 22,567.43
140 ₹ 793,991 ₹ 22,567.43
141 ₹ 777,379 ₹ 22,567.43
142 ₹ 760,642 ₹ 22,567.43
143 ₹ 743,779 ₹ 22,567.43
144 ₹ 726,790 ₹ 22,567.43
145 ₹ 709,674 ₹ 22,567.43
146 ₹ 692,429 ₹ 22,567.43
147 ₹ 675,055 ₹ 22,567.43
148 ₹ 657,550 ₹ 22,567.43
149 ₹ 639,914 ₹ 22,567.43
150 ₹ 622,146 ₹ 22,567.43
151 ₹ 604,245 ₹ 22,567.43
152 ₹ 586,209 ₹ 22,567.43
153 ₹ 568,038 ₹ 22,567.43
154 ₹ 549,731 ₹ 22,567.43
155 ₹ 531,287 ₹ 22,567.43
156 ₹ 512,704 ₹ 22,567.43
157 ₹ 493,982 ₹ 22,567.43
158 ₹ 475,119 ₹ 22,567.43
159 ₹ 456,115 ₹ 22,567.43
160 ₹ 436,969 ₹ 22,567.43
161 ₹ 417,678 ₹ 22,567.43
162 ₹ 398,244 ₹ 22,567.43
163 ₹ 378,663 ₹ 22,567.43
164 ₹ 358,936 ₹ 22,567.43
165 ₹ 339,060 ₹ 22,567.43
166 ₹ 319,036 ₹ 22,567.43
167 ₹ 298,861 ₹ 22,567.43
168 ₹ 278,535 ₹ 22,567.43
169 ₹ 258,057 ₹ 22,567.43
170 ₹ 237,425 ₹ 22,567.43
171 ₹ 216,638 ₹ 22,567.43
172 ₹ 195,695 ₹ 22,567.43
173 ₹ 174,595 ₹ 22,567.43
174 ₹ 153,338 ₹ 22,567.43
175 ₹ 131,920 ₹ 22,567.43
176 ₹ 110,342 ₹ 22,567.43
177 ₹ 88,602 ₹ 22,567.43
178 ₹ 66,699 ₹ 22,567.43
179 ₹ 44,632 ₹ 22,567.43
180 ₹ 22,399 ₹ 22,567.43
Sum ₹ -0 ₹ 4,062,137.67
N AMORTIZATION
Product Type Education Loan

Mortgage payment ₹ 22,567.43

interest principal ending balance

₹ 16,687.50 ₹ 5,879.93 ₹ 2,219,120.07
₹ 16,643.40 ₹ 5,924.03 ₹ 2,213,196.04
₹ 16,598.97 ₹ 5,968.46 ₹ 2,207,227.58
₹ 16,554.21 ₹ 6,013.22 ₹ 2,201,214.35
₹ 16,509.11 ₹ 6,058.32 ₹ 2,195,156.03
₹ 16,463.67 ₹ 6,103.76 ₹ 2,189,052.27
₹ 16,417.89 ₹ 6,149.54 ₹ 2,182,902.73
₹ 16,371.77 ₹ 6,195.66 ₹ 2,176,707.07
₹ 16,325.30 ₹ 6,242.13 ₹ 2,170,464.94
₹ 16,278.49 ₹ 6,288.94 ₹ 2,164,175.99
₹ 16,231.32 ₹ 6,336.11 ₹ 2,157,839.88
₹ 16,183.80 ₹ 6,383.63 ₹ 2,151,456.25
₹ 16,135.92 ₹ 6,431.51 ₹ 2,145,024.74
₹ 16,087.69 ₹ 6,479.75 ₹ 2,138,544.99
₹ 16,039.09 ₹ 6,528.34 ₹ 2,132,016.65
₹ 15,990.12 ₹ 6,577.31 ₹ 2,125,439.34
₹ 15,940.80 ₹ 6,626.64 ₹ 2,118,812.71
₹ 15,891.10 ₹ 6,676.34 ₹ 2,112,136.37
₹ 15,841.02 ₹ 6,726.41 ₹ 2,105,409.96
₹ 15,790.57 ₹ 6,776.86 ₹ 2,098,633.10
₹ 15,739.75 ₹ 6,827.68 ₹ 2,091,805.42
₹ 15,688.54 ₹ 6,878.89 ₹ 2,084,926.53
₹ 15,636.95 ₹ 6,930.48 ₹ 2,077,996.05
₹ 15,584.97 ₹ 6,982.46 ₹ 2,071,013.59
₹ 15,532.60 ₹ 7,034.83 ₹ 2,063,978.76
₹ 15,479.84 ₹ 7,087.59 ₹ 2,056,891.17
₹ 15,426.68 ₹ 7,140.75 ₹ 2,049,750.42
₹ 15,373.13 ₹ 7,194.30 ₹ 2,042,556.12
₹ 15,319.17 ₹ 7,248.26 ₹ 2,035,307.85
₹ 15,264.81 ₹ 7,302.62 ₹ 2,028,005.23
₹ 15,210.04 ₹ 7,357.39 ₹ 2,020,647.84
₹ 15,154.86 ₹ 7,412.57 ₹ 2,013,235.27
₹ 15,099.26 ₹ 7,468.17 ₹ 2,005,767.10
₹ 15,043.25 ₹ 7,524.18 ₹ 1,998,242.92
₹ 14,986.82 ₹ 7,580.61 ₹ 1,990,662.31
₹ 14,929.97 ₹ 7,637.46 ₹ 1,983,024.85
₹ 14,872.69 ₹ 7,694.75 ₹ 1,975,330.10
₹ 14,814.98 ₹ 7,752.46 ₹ 1,967,577.65
₹ 14,756.83 ₹ 7,810.60 ₹ 1,959,767.05
₹ 14,698.25 ₹ 7,869.18 ₹ 1,951,897.87
₹ 14,639.23 ₹ 7,928.20 ₹ 1,943,969.67
₹ 14,579.77 ₹ 7,987.66 ₹ 1,935,982.01
₹ 14,519.87 ₹ 8,047.57 ₹ 1,927,934.45
₹ 14,459.51 ₹ 8,107.92 ₹ 1,919,826.52
₹ 14,398.70 ₹ 8,168.73 ₹ 1,911,657.79
₹ 14,337.43 ₹ 8,230.00 ₹ 1,903,427.79
₹ 14,275.71 ₹ 8,291.72 ₹ 1,895,136.07
₹ 14,213.52 ₹ 8,353.91 ₹ 1,886,782.16
₹ 14,150.87 ₹ 8,416.57 ₹ 1,878,365.59
₹ 14,087.74 ₹ 8,479.69 ₹ 1,869,885.90
₹ 14,024.14 ₹ 8,543.29 ₹ 1,861,342.62
₹ 13,960.07 ₹ 8,607.36 ₹ 1,852,735.26
₹ 13,895.51 ₹ 8,671.92 ₹ 1,844,063.34
₹ 13,830.48 ₹ 8,736.96 ₹ 1,835,326.38
₹ 13,764.95 ₹ 8,802.48 ₹ 1,826,523.90
₹ 13,698.93 ₹ 8,868.50 ₹ 1,817,655.40
₹ 13,632.42 ₹ 8,935.02 ₹ 1,808,720.38
₹ 13,565.40 ₹ 9,002.03 ₹ 1,799,718.35
₹ 13,497.89 ₹ 9,069.54 ₹ 1,790,648.81
₹ 13,429.87 ₹ 9,137.57 ₹ 1,781,511.24
₹ 13,361.33 ₹ 9,206.10 ₹ 1,772,305.14
₹ 13,292.29 ₹ 9,275.14 ₹ 1,763,030.00
₹ 13,222.73 ₹ 9,344.71 ₹ 1,753,685.30
₹ 13,152.64 ₹ 9,414.79 ₹ 1,744,270.50
₹ 13,082.03 ₹ 9,485.40 ₹ 1,734,785.10
₹ 13,010.89 ₹ 9,556.54 ₹ 1,725,228.56
₹ 12,939.21 ₹ 9,628.22 ₹ 1,715,600.34
₹ 12,867.00 ₹ 9,700.43 ₹ 1,705,899.91
₹ 12,794.25 ₹ 9,773.18 ₹ 1,696,126.73
₹ 12,720.95 ₹ 9,846.48 ₹ 1,686,280.25
₹ 12,647.10 ₹ 9,920.33 ₹ 1,676,359.92
₹ 12,572.70 ₹ 9,994.73 ₹ 1,666,365.19
₹ 12,497.74 ₹ 10,069.69 ₹ 1,656,295.49
₹ 12,422.22 ₹ 10,145.22 ₹ 1,646,150.28
₹ 12,346.13 ₹ 10,221.30 ₹ 1,635,928.97
₹ 12,269.47 ₹ 10,297.96 ₹ 1,625,631.01
₹ 12,192.23 ₹ 10,375.20 ₹ 1,615,255.81
₹ 12,114.42 ₹ 10,453.01 ₹ 1,604,802.80
₹ 12,036.02 ₹ 10,531.41 ₹ 1,594,271.39
₹ 11,957.04 ₹ 10,610.40 ₹ 1,583,660.99
₹ 11,877.46 ₹ 10,689.97 ₹ 1,572,971.02
₹ 11,797.28 ₹ 10,770.15 ₹ 1,562,200.87
₹ 11,716.51 ₹ 10,850.92 ₹ 1,551,349.94
₹ 11,635.12 ₹ 10,932.31 ₹ 1,540,417.64
₹ 11,553.13 ₹ 11,014.30 ₹ 1,529,403.34
₹ 11,470.53 ₹ 11,096.91 ₹ 1,518,306.43
₹ 11,387.30 ₹ 11,180.13 ₹ 1,507,126.30
₹ 11,303.45 ₹ 11,263.98 ₹ 1,495,862.31
₹ 11,218.97 ₹ 11,348.46 ₹ 1,484,513.85
₹ 11,133.85 ₹ 11,433.58 ₹ 1,473,080.27
₹ 11,048.10 ₹ 11,519.33 ₹ 1,461,560.94
₹ 10,961.71 ₹ 11,605.72 ₹ 1,449,955.22
₹ 10,874.66 ₹ 11,692.77 ₹ 1,438,262.45
₹ 10,786.97 ₹ 11,780.46 ₹ 1,426,481.99
₹ 10,698.61 ₹ 11,868.82 ₹ 1,414,613.17
₹ 10,609.60 ₹ 11,957.83 ₹ 1,402,655.34
₹ 10,519.92 ₹ 12,047.52 ₹ 1,390,607.82
₹ 10,429.56 ₹ 12,137.87 ₹ 1,378,469.95
₹ 10,338.52 ₹ 12,228.91 ₹ 1,366,241.04
₹ 10,246.81 ₹ 12,320.62 ₹ 1,353,920.42
₹ 10,154.40 ₹ 12,413.03 ₹ 1,341,507.39
₹ 10,061.31 ₹ 12,506.13 ₹ 1,329,001.26
₹ 9,967.51 ₹ 12,599.92 ₹ 1,316,401.34
₹ 9,873.01 ₹ 12,694.42 ₹ 1,303,706.92
₹ 9,777.80 ₹ 12,789.63 ₹ 1,290,917.29
₹ 9,681.88 ₹ 12,885.55 ₹ 1,278,031.74
₹ 9,585.24 ₹ 12,982.19 ₹ 1,265,049.54
₹ 9,487.87 ₹ 13,079.56 ₹ 1,251,969.98
₹ 9,389.77 ₹ 13,177.66 ₹ 1,238,792.33
₹ 9,290.94 ₹ 13,276.49 ₹ 1,225,515.84
₹ 9,191.37 ₹ 13,376.06 ₹ 1,212,139.78
₹ 9,091.05 ₹ 13,476.38 ₹ 1,198,663.39
₹ 8,989.98 ₹ 13,577.46 ₹ 1,185,085.94
₹ 8,888.14 ₹ 13,679.29 ₹ 1,171,406.65
₹ 8,785.55 ₹ 13,781.88 ₹ 1,157,624.77
₹ 8,682.19 ₹ 13,885.25 ₹ 1,143,739.52
₹ 8,578.05 ₹ 13,989.39 ₹ 1,129,750.14
₹ 8,473.13 ₹ 14,094.31 ₹ 1,115,655.83
₹ 8,367.42 ₹ 14,200.01 ₹ 1,101,455.82
₹ 8,260.92 ₹ 14,306.51 ₹ 1,087,149.31
₹ 8,153.62 ₹ 14,413.81 ₹ 1,072,735.50
₹ 8,045.52 ₹ 14,521.92 ₹ 1,058,213.58
₹ 7,936.60 ₹ 14,630.83 ₹ 1,043,582.75
₹ 7,826.87 ₹ 14,740.56 ₹ 1,028,842.19
₹ 7,716.32 ₹ 14,851.12 ₹ 1,013,991.07
₹ 7,604.93 ₹ 14,962.50 ₹ 999,028.58
₹ 7,492.71 ₹ 15,074.72 ₹ 983,953.86
₹ 7,379.65 ₹ 15,187.78 ₹ 968,766.08
₹ 7,265.75 ₹ 15,301.69 ₹ 953,464.40
₹ 7,150.98 ₹ 15,416.45 ₹ 938,047.95
₹ 7,035.36 ₹ 15,532.07 ₹ 922,515.87
₹ 6,918.87 ₹ 15,648.56 ₹ 906,867.31
₹ 6,801.50 ₹ 15,765.93 ₹ 891,101.39
₹ 6,683.26 ₹ 15,884.17 ₹ 875,217.21
₹ 6,564.13 ₹ 16,003.30 ₹ 859,213.91
₹ 6,444.10 ₹ 16,123.33 ₹ 843,090.59
₹ 6,323.18 ₹ 16,244.25 ₹ 826,846.33
₹ 6,201.35 ₹ 16,366.08 ₹ 810,480.25
₹ 6,078.60 ₹ 16,488.83 ₹ 793,991.42
₹ 5,954.94 ₹ 16,612.50 ₹ 777,378.92
₹ 5,830.34 ₹ 16,737.09 ₹ 760,641.83
₹ 5,704.81 ₹ 16,862.62 ₹ 743,779.22
₹ 5,578.34 ₹ 16,989.09 ₹ 726,790.13
₹ 5,450.93 ₹ 17,116.51 ₹ 709,673.62
₹ 5,322.55 ₹ 17,244.88 ₹ 692,428.74
₹ 5,193.22 ₹ 17,374.22 ₹ 675,054.53
₹ 5,062.91 ₹ 17,504.52 ₹ 657,550.01
₹ 4,931.63 ₹ 17,635.81 ₹ 639,914.20
₹ 4,799.36 ₹ 17,768.08 ₹ 622,146.12
₹ 4,666.10 ₹ 17,901.34 ₹ 604,244.79
₹ 4,531.84 ₹ 18,035.60 ₹ 586,209.19
₹ 4,396.57 ₹ 18,170.86 ₹ 568,038.33
₹ 4,260.29 ₹ 18,307.14 ₹ 549,731.19
₹ 4,122.98 ₹ 18,444.45 ₹ 531,286.74
₹ 3,984.65 ₹ 18,582.78 ₹ 512,703.96
₹ 3,845.28 ₹ 18,722.15 ₹ 493,981.81
₹ 3,704.86 ₹ 18,862.57 ₹ 475,119.24
₹ 3,563.39 ₹ 19,004.04 ₹ 456,115.20
₹ 3,420.86 ₹ 19,146.57 ₹ 436,968.63
₹ 3,277.26 ₹ 19,290.17 ₹ 417,678.47
₹ 3,132.59 ₹ 19,434.84 ₹ 398,243.62
₹ 2,986.83 ₹ 19,580.60 ₹ 378,663.02
₹ 2,839.97 ₹ 19,727.46 ₹ 358,935.56
₹ 2,692.02 ₹ 19,875.41 ₹ 339,060.15
₹ 2,542.95 ₹ 20,024.48 ₹ 319,035.67
₹ 2,392.77 ₹ 20,174.66 ₹ 298,861.00
₹ 2,241.46 ₹ 20,325.97 ₹ 278,535.03
₹ 2,089.01 ₹ 20,478.42 ₹ 258,056.61
₹ 1,935.42 ₹ 20,632.01 ₹ 237,424.60
₹ 1,780.68 ₹ 20,786.75 ₹ 216,637.85
₹ 1,624.78 ₹ 20,942.65 ₹ 195,695.21
₹ 1,467.71 ₹ 21,099.72 ₹ 174,595.49
₹ 1,309.47 ₹ 21,257.97 ₹ 153,337.52
₹ 1,150.03 ₹ 21,417.40 ₹ 131,920.12
₹ 989.40 ₹ 21,578.03 ₹ 110,342.09
₹ 827.57 ₹ 21,739.87 ₹ 88,602.23
₹ 664.52 ₹ 21,902.91 ₹ 66,699.31
₹ 500.24 ₹ 22,067.19 ₹ 44,632.13
 ₹ 334.74 ₹ 22,232.69 ₹ 22,399.44
₹ 168.00 ₹ 22,399.44 ₹ -0.00
₹ 1,837,137.67 ₹ 2,225,000.00 ₹ -2,225,000.00
 Emergency fund 6 months of income received

Emergency fund = 525498

It is shown in the balance sheet in cash at bank

 INSURANCE PL
Life Insurance
Plan
A
B
Total

PPF
 INSURANCE PLAN
ance Health Insurance
Premium Sum Assured Type Premium
₹ 7,177.00 ₹ 300,000.00 Family Floater accidental cover ₹ 6,000.00
₹ 5,047.00 ₹ 100,000.00
₹ 12,224.00 ₹ 400,000.00

₹ 100,000.00 Soverign Gold Bond ₹ 50,000.00

 HLV Calculation using need based approach

current expenses ₹ 53,491.00

life expetency of dependents 75
current age 26
year to provide benefit 49
estimated roi 8%
expected inflation rate 6%
discounting rate 1.89%
estimated insurance to cover the expenses ₹ 1,732,673.64
add loan os ₹ -2,225,000.00
total ₹ -492,326.36
currrent investment ₹ 54,138,702.00
house
insurance required ₹ -54,631,028.36
less ins already ₹ 400,000.00

Since current investments and existing life/health insurance policies are more than enough to cover futu
financial position is strong enough to cover your family’s needs without needing more life insurance. The

we already have a significant amount of investments (₹5,36,13,204), which far exceeds the projected n
more than enough to cover future expenses, you don’t need any additional life insurance at this time.
eeding more life insurance. The negative number means you're overprepared financially!

hich far exceeds the projected need. This results in a negative insurance requirement (₹-4,89,29,970.70).
 TAX PLAN
Compensation Structure PM Annual
Base Salary 25000
Supp Allowance 53750
Super annuation allowance 3750
Gross Salary 82500
Retirals 5083
Total Fixed pay 87583 1050996
Performance linked retirement plan 12500 150000
Cost of loan 4167 50004
Annual deffered allowance 400000
Total CTC 104250 1651000

Tax Slab
0-300000 NIL
300000-700000 5%
700000-1000000 10%
1000000-1200000 15%
1200000-1500000 20%
1500000 above 30%
X PLAN
Total Net Pay ₹ 1,050,996.00
Annual deffered allowance ₹ 400,000.00
Deductions
Sec 80D(Health Insurance) ₹ 6,000.00
Sec 80E(Education Loan Interest) ₹ 197,265.43
Sec 80C(PPF Contribution) ₹ 100,000.00
Sec 80CCE(LIC) ₹ 12,224.00
Sec 80TTA(Saving Interest) ₹ 5,000.00
Taxable Income ₹ 1,130,506.57

As per tax slabs

300000 ₹ -
300000-700000 ₹ 15,000.00
700000-1000000 ₹ 30,000.00
900000-1130506.57 ₹ 34,575.99
Total ₹ 79,575.99
 RETIREMENT PLA
Current age 26
Retirement age 60
Current Salary (PM) ₹ 82,500.00
Expenses
Household ₹ 25,000.00
Loan (EMI) ₹ -
Personal Expenses ₹ 5,000.00
Health Insurance ₹ 6,000.00
LIC ₹ 12,224.00
SIP ₹ 5,267.00
Total ₹ 53,491.00
Expenses Post retirement ₹ 35,000.00
Risk free rate 7.20%
Health Insurance post retirement ₹ 10,000.00
Child Education after 20 years ₹ 4,000,000.00
Life Expectancy 75
Inflation rate 6%
Growth rate 10%
Amount Saved in Bank @4% PA* ₹ 29,009.00

(Insurance premiums will be deducted in the first month, post that Rs

 RETIREMENT PLAN

Retirement Corpus

Working Life 34
Age till Death 15
Real rate 3.77%
Monthly Expense at retirement ₹ 253,785.88
Retirement Corpus ₹ 34,951,451.63

Amount require to achieve the Corpus (PM) ₹ 10,203.64

Children education 4000000

Tenure 20
Amount to save (PM) ₹ 5,267.53

ed in the first month, post that Rs.24500 will be saved in the savings account)
 Assets
Government Schemes Current Year Growth Rate Real Rate 27
PPF (15+ years) ₹ 7,177.00 7% 0.94% ₹ 7,244.71
LIC (Death Cover) ₹ 400,000.00 10% 3.77% ₹ 415,094.34
Soverign gold bond(Series II) (8 years) ₹ 50,000.00 2.50% -3.30% ₹ 48,349.06
Private Schemes
SIP (10 years) ₹ 63,204 9% 2.83% ₹ 64,992.79
Cash at bank ( Emergency fund) ₹ 322,500.00 10% 3.77% ₹ 334,669.81
Fixed Assets
Land ₹ 50,000,000.00 9.20% 3.02% ₹ 51,509,433.96
Home ₹ 2,000,000.00 6.20% 0.19% ₹ 2,003,773.58
Car ₹ 1,000,000.00 -15% -19.81% ₹ 801,886.79
TOTAL ASSETS ₹ 54,228,585.00 ₹ 55,185,445.05

Liabilities
Current Year Growth Rate Real Rate
Education loan ₹ 3,000,000.00 -9% -14.15% ₹ 2,575,471.70
TOTAL LIABILITIES ₹ 3,000,000.00
Net Worth ₹ 51,228,585.00 ₹ 55,185,445.05

Inflation Rate 6%
 28 29 30 31 32
₹ 7,313.05 ₹ 7,382.04 ₹ 7,451.69 ₹ 7,521.99 ₹ 7,592.95
₹ 430,758.28 ₹ 447,013.31 ₹ 463,881.73 ₹ 481,386.70 ₹ 499,552.24
₹ 46,752.63 ₹ 45,208.91 ₹ 43,716.16 ₹ 42,272.70 ₹ 40,876.90

₹ 66,832.21 ₹ 68,723.69 ₹ 70,668.70 ₹ 72,668.76 ₹ 74,725.42

₹ 347,298.86 ₹ 360,404.48 ₹ 374,004.65 ₹ 388,118.03 ₹ 402,763.99

₹ 53,064,435.74 ₹ 54,666,380.97 ₹ 56,316,686.81 ₹ 58,016,813.21 ₹ 59,768,264.17

₹ 2,007,554.29 ₹ 2,011,342.13 ₹ 2,015,137.11 ₹ 2,018,939.26 ₹ 2,022,748.58
₹ 643,022.43 ₹ 515,631.19 ₹ 413,477.84 ₹ 331,562.42 ₹ 265,875.53
₹ 56,613,967.49 ₹ 58,122,086.72 ₹ 59,705,024.69 ₹ 61,359,283.06 ₹ 63,082,399.78

₹ 2,211,018.16 ₹ 1,898,138.23 ₹ 1,629,533.76 ₹ 1,398,939.36 ₹ 1,200,976.24

₹ 56,613,967.49 ₹ 58,122,086.72 ₹ 59,705,024.69 ₹ 61,359,283.06 ₹ 63,082,399.78

 33 34 35 36 37
₹ 7,664.58 ₹ 7,736.89 ₹ 7,809.88 ₹ 7,883.55 ₹ 7,957.93
₹ 518,403.27 ₹ 537,965.66 ₹ 558,266.25 ₹ 579,332.90 ₹ 601,194.52
₹ 39,527.20 ₹ 38,222.05 ₹ 36,960.00 ₹ 35,739.63 ₹ 34,559.54

₹ 76,840.29 ₹ 79,015.01 ₹ 81,251.29 ₹ 83,550.85 ₹ 85,915.50

₹ 417,962.63 ₹ 433,734.81 ₹ 450,102.16 ₹ 467,087.15 ₹ 484,713.08

₹ 61,572,589.13 ₹ 63,431,384.27 ₹ 65,346,293.99 ₹ 67,319,012.29 ₹ 69,351,284.36

₹ 2,026,565.08 ₹ 2,030,388.79 ₹ 2,034,219.71 ₹ 2,038,057.87 ₹ 2,041,903.26
₹ 213,202.07 ₹ 170,963.93 ₹ 137,093.71 ₹ 109,933.64 ₹ 88,154.33
₹ 64,872,754.25 ₹ 66,729,411.41 ₹ 68,651,996.99 ₹ 70,640,597.88 ₹ 72,695,682.52

₹ 1,031,026.78 ₹ 885,126.76 ₹ 759,872.97 ₹ 652,343.78 ₹ 560,030.98

₹ 64,872,754.25 ₹ 66,729,411.41 ₹ 68,651,996.99 ₹ 70,640,597.88 ₹ 72,695,682.52

 38 39 40 41 42
₹ 8,033.00 ₹ 8,108.79 ₹ 8,185.28 ₹ 8,262.50 ₹ 8,340.45
₹ 623,881.10 ₹ 647,423.78 ₹ 671,854.87 ₹ 697,207.88 ₹ 723,517.62
₹ 33,418.43 ₹ 32,314.99 ₹ 31,247.98 ₹ 30,216.21 ₹ 29,218.51

₹ 88,347.07 ₹ 90,847.46 ₹ 93,418.61 ₹ 96,062.54 ₹ 98,781.29

₹ 503,004.14 ₹ 521,985.43 ₹ 541,682.99 ₹ 562,123.86 ₹ 583,336.08

₹ 71,444,908.04 ₹ 73,601,735.46 ₹ 75,823,674.64 ₹ 78,112,691.23 ₹ 80,470,810.21

₹ 2,045,755.91 ₹ 2,049,615.82 ₹ 2,053,483.02 ₹ 2,057,357.52 ₹ 2,061,239.32
₹ 70,689.80 ₹ 56,685.21 ₹ 45,455.12 ₹ 36,449.86 ₹ 29,228.66
₹ 74,818,037.48 ₹ 77,008,716.93 ₹ 79,269,002.53 ₹ 81,600,371.61 ₹ 84,004,472.14

₹ 480,781.31 ₹ 412,746.22 ₹ 354,338.74 ₹ 304,196.46 ₹ 261,149.79

₹ 74,818,037.48 ₹ 77,008,716.93 ₹ 79,269,002.53 ₹ 81,600,371.61 ₹ 84,004,472.14

 43 44 45 46 47
₹ 8,419.13 ₹ 8,498.56 ₹ 8,578.74 ₹ 8,659.67 ₹ 8,741.36
₹ 750,820.17 ₹ 779,153.00 ₹ 808,555.00 ₹ 839,066.51 ₹ 870,729.40
₹ 28,253.74 ₹ 27,320.84 ₹ 26,418.73 ₹ 25,546.42 ₹ 24,702.90

₹ 101,576.99 ₹ 104,451.81 ₹ 107,407.99 ₹ 110,447.84 ₹ 113,573.72

₹ 605,348.76 ₹ 628,192.11 ₹ 651,897.47 ₹ 676,497.38 ₹ 702,025.58

₹ 82,900,117.69 ₹ 85,402,762.75 ₹ 87,980,959.36 ₹ 90,636,988.33 ₹ 93,373,199.29

₹ 2,065,128.46 ₹ 2,069,024.92 ₹ 2,072,928.74 ₹ 2,076,839.93 ₹ 2,080,758.50
₹ 23,438.08 ₹ 18,794.69 ₹ 15,071.21 ₹ 12,085.41 ₹ 9,691.13
₹ 86,483,103.02 ₹ 89,038,198.68 ₹ 91,671,817.25 ₹ 94,386,131.47 ₹ 97,183,421.88

₹ 224,194.63 ₹ 192,468.98 ₹ 165,232.80 ₹ 141,850.80 ₹ 121,777.58

₹ 86,483,103.02 ₹ 89,038,198.68 ₹ 91,671,817.25 ₹ 94,386,131.47 ₹ 97,183,421.88

 Age
48 49 50 51 52
₹ 8,823.83 ₹ 8,907.07 ₹ 8,991.10 ₹ 9,075.92 ₹ 9,161.54
₹ 903,587.11 ₹ 937,684.74 ₹ 973,069.07 ₹ 1,009,788.66 ₹ 1,047,893.89
₹ 23,887.24 ₹ 23,098.51 ₹ 22,335.83 ₹ 21,598.32 ₹ 20,885.17

₹ 116,788.07 ₹ 120,093.39 ₹ 123,492.26 ₹ 126,987.33 ₹ 130,581.31

₹ 728,517.11 ₹ 756,008.32 ₹ 784,536.94 ₹ 814,142.11 ₹ 844,864.45

₹ 96,192,012.86 ₹ 99,095,922.68 ₹ 102,087,497.70 ₹ 105,169,384.43 ₹ 108,344,309.24

₹ 2,084,684.46 ₹ 2,088,617.82 ₹ 2,092,558.61 ₹ 2,096,506.84 ₹ 2,100,462.51
₹ 7,771.19 ₹ 6,231.61 ₹ 4,997.05 ₹ 4,007.07 ₹ 3,213.21
₹ 100,066,071.87 ₹ 103,036,564.16 ₹ 106,097,478.56 ₹ 109,251,490.66 ₹ 112,501,371.32

₹ 104,544.90 ₹ 89,750.81 ₹ 77,050.22 ₹ 66,146.89 ₹ 56,786.48

₹ 100,066,071.87 ₹ 103,036,564.16 ₹ 106,097,478.56 ₹ 109,251,490.66 ₹ 112,501,371.32

 53 54 55 56 57
₹ 9,247.97 ₹ 9,335.22 ₹ 9,423.29 ₹ 9,512.19 ₹ 9,601.92
₹ 1,087,437.06 ₹ 1,128,472.42 ₹ 1,171,056.28 ₹ 1,215,247.09 ₹ 1,261,105.47
₹ 20,195.57 ₹ 19,528.73 ₹ 18,883.91 ₹ 18,260.39 ₹ 17,657.45

₹ 134,277.01 ₹ 138,077.30 ₹ 141,985.15 ₹ 146,003.59 ₹ 150,135.77

₹ 876,746.13 ₹ 909,830.89 ₹ 944,164.13 ₹ 979,792.96 ₹ 1,016,766.28

₹ 111,615,080.84 ₹ 114,984,592.71 ₹ 118,455,825.70 ₹ 122,031,850.63 ₹ 125,715,831.03

₹ 2,104,425.65 ₹ 2,108,396.26 ₹ 2,112,374.37 ₹ 2,116,359.98 ₹ 2,120,353.11
₹ 2,576.63 ₹ 2,066.17 ₹ 1,656.83 ₹ 1,328.59 ₹ 1,065.38
₹ 115,849,986.85 ₹ 119,300,299.69 ₹ 122,855,369.66 ₹ 126,518,355.41 ₹ 130,292,516.41

₹ 48,750.66 ₹ 41,851.98 ₹ 35,929.53 ₹ 30,845.16 ₹ 26,480.28

₹ 115,849,986.85 ₹ 119,300,299.69 ₹ 122,855,369.66 ₹ 126,518,355.41 ₹ 130,292,516.41

 58 59 60 61 62
₹ 9,692.51 ₹ 9,783.95 ₹ 9,876.25 ₹ 9,969.42 ₹ 10,063.47
₹ 1,308,694.35 ₹ 1,358,079.04 ₹ 1,409,327.31 ₹ 1,462,509.47 ₹ 1,517,698.51
₹ 17,074.42 ₹ 16,510.64 ₹ 15,965.48 ₹ 15,438.32 ₹ 14,928.56

₹ 154,384.90 ₹ 158,754.28 ₹ 163,247.33 ₹ 167,867.53 ₹ 172,618.50

₹ 1,055,134.82 ₹ 1,094,951.23 ₹ 1,136,270.14 ₹ 1,179,148.26 ₹ 1,223,644.42

₹ 129,511,025.92 ₹ 133,420,792.74 ₹ 137,448,590.26 ₹ 141,597,981.67 ₹ 145,872,637.72

₹ 2,124,353.78 ₹ 2,128,361.99 ₹ 2,132,377.77 ₹ 2,136,401.12 ₹ 2,140,432.07
₹ 854.31 ₹ 685.06 ₹ 549.34 ₹ 440.51 ₹ 353.24
₹ 134,181,215.01 ₹ 138,187,918.94 ₹ 142,316,203.88 ₹ 146,569,756.31 ₹ 150,952,376.49

₹ 22,733.07 ₹ 19,516.13 ₹ 16,754.41 ₹ 14,383.50 ₹ 12,348.10

₹ 134,181,215.01 ₹ 138,187,918.94 ₹ 142,316,203.88 ₹ 146,569,756.31 ₹ 150,952,376.49

 63 64 65 66 67
₹ 10,158.41 ₹ 10,254.24 ₹ 10,350.98 ₹ 10,448.63 ₹ 10,547.20
₹ 1,574,970.15 ₹ 1,634,402.99 ₹ 1,696,078.57 ₹ 1,760,081.54 ₹ 1,826,499.71
₹ 14,435.64 ₹ 13,958.99 ₹ 13,498.08 ₹ 13,052.39 ₹ 12,621.41

₹ 177,503.93 ₹ 182,527.63 ₹ 187,693.50 ₹ 193,005.58 ₹ 198,468.00

₹ 1,269,819.68 ₹ 1,317,737.41 ₹ 1,367,463.35 ₹ 1,419,065.74 ₹ 1,472,615.39

₹ 150,276,339.99 ₹ 154,812,984.21 ₹ 159,486,583.74 ₹ 164,301,273.06 ₹ 169,261,311.49

₹ 2,144,470.62 ₹ 2,148,516.79 ₹ 2,152,570.60 ₹ 2,156,632.05 ₹ 2,160,701.17
₹ 283.26 ₹ 227.14 ₹ 182.14 ₹ 146.06 ₹ 117.12
₹ 155,467,981.68 ₹ 160,120,609.40 ₹ 164,914,420.96 ₹ 169,853,705.04 ₹ 174,942,881.50

₹ 10,600.73 ₹ 9,100.63 ₹ 7,812.80 ₹ 6,707.22 ₹ 5,758.08

₹ 155,467,981.68 ₹ 160,120,609.40 ₹ 164,914,420.96 ₹ 169,853,705.04 ₹ 174,942,881.50

 68 69 70 71 72
₹ 10,646.71 ₹ 10,747.15 ₹ 10,848.53 ₹ 10,950.88 ₹ 11,054.19
₹ 1,895,424.22 ₹ 1,966,949.67 ₹ 2,041,174.18 ₹ 2,118,199.62 ₹ 2,198,131.68
₹ 12,204.67 ₹ 11,801.68 ₹ 11,412.01 ₹ 11,035.19 ₹ 10,670.83

₹ 204,085.02 ₹ 209,861.02 ₹ 215,800.48 ₹ 221,908.04 ₹ 228,188.45

₹ 1,528,185.78 ₹ 1,585,853.17 ₹ 1,645,696.68 ₹ 1,707,798.45 ₹ 1,772,243.67

₹ 174,371,086.93 ₹ 179,635,119.74 ₹ 185,058,066.75 ₹ 190,644,725.37 ₹ 196,400,037.84

₹ 2,164,777.96 ₹ 2,168,862.45 ₹ 2,172,954.64 ₹ 2,177,054.56 ₹ 2,181,162.21
₹ 93.92 ₹ 75.31 ₹ 60.39 ₹ 48.43 ₹ 38.83
₹ 180,186,505.21 ₹ 185,589,270.18 ₹ 191,156,013.67 ₹ 196,891,720.54 ₹ 202,801,527.70

₹ 4,943.26 ₹ 4,243.74 ₹ 3,643.21 ₹ 3,127.66 ₹ 2,685.07

₹ 180,186,505.21 ₹ 185,589,270.18 ₹ 191,156,013.67 ₹ 196,891,720.54 ₹ 202,801,527.70

 73 74 75
₹ 11,158.47 ₹ 11,263.74 ₹ 11,370.00
₹ 2,281,080.05 ₹ 2,367,158.54 ₹ 2,456,485.28
₹ 10,318.49 ₹ 9,977.78 ₹ 9,648.33

₹ 234,646.62 ₹ 241,287.56 ₹ 248,116.45

₹ 1,839,120.79 ₹ 1,908,521.58 ₹ 1,980,541.26

₹ 202,329,095.58 ₹ 208,437,143.75 ₹ 214,729,585.83

₹ 2,185,277.61 ₹ 2,189,400.77 ₹ 2,193,531.72
₹ 31.14 ₹ 24.97 ₹ 20.02
₹ 208,890,728.75 ₹ 215,164,778.70 ₹ 221,629,298.89

₹ 2,305.11 ₹ 1,978.91 ₹ 1,698.88

₹ 208,890,728.75 ₹ 215,164,778.70 ₹ 221,629,298.89