Table of Contents

Section Page No
Letter of Enagement 4-7
Financial planning Process 8-9
Client understanding through Discovery call 10-11
Executive Summary 12-14
Planning Assumption 15
SWOT Analysis 16-17
India's Econmic outlook 18
Career Growth Opportunities 19-20
Q&A session with Client 21
Personal Financial Management 22-26
Net worth statement FY 24
Cash flow statement
Personal Finacial Ratios 27
Emergency fund 28-29
Investment & Asset planning 30-31
Current Investment Portfolio
Current Asset Allocation
Proposed Investment Allocation
Family Profile 32
Goal Priortisation & Mapping 33
Goal based Asset allocation 34
Children Education Goals 35-40
Children Marriage Goals 41-42
Domestic & Internation Travel 43-45
Car Puchase Goal 46-48
House Purchase Goal 49-50
Retirement Planning 51-54
Long term Care fund-Parents 55
Alternate Career 56
Tax Planning 57-61
Estate Planning 62-64
Risk Management & Planning 65
Insurance plnning 66-70
Implementation Guides & Review triggers 71-72
Investment Polict Statement 73-75
Investment strategies 76
Risk Profiler 77-79
Planning Assumptions
Description Value Tax Rate After Tax
Saving Bank Interest Rate 3.5% 30.0% 2.5%
Bank FD interest Rate 6.5% 30.0% 4.6%
Sukanya Samridhi Scheme 8.0% 0.0% 8.0%
Employees Provident Fund 8.0% 0.0% 8.0%
Large Cap fund 12% 10.0% 10.8%
Sovereign Gold Bonds 8% 0.0% 8.0%
Flexi Cap fund 13% 10.0% 11.7%
Ultra short-term Mutual Fund 4.5% 30.0% 3.2%
Liquid Fund 4.0% 30.0% 2.8%
Debt Mutual fund 8% 30.0% 5.6%
Hybrid Fund 9% 30.0% 6.3%
Inflation for Retirement Corpus 7% NA NA
Long term Care inflation 6% NA NA
Real Estate Inflation 6% NA NA
Inflation for Education 8% NA NA
Inflation for Travel 8% NA NA
Vehicle Inflation 9% NA NA
Car Loan Interest Rate 11% NA NA
Salvage Value 10% NA NA
School Fees Inflation 8% NA NA
Salary Growth 10% NA NA
Gold Jewellery Growth 5% NA NA
Rental Expenses/Income Growth 5% NA NA
Household Expenses Inflation 7% NA NA
Parents & Rohan Support 6% NA NA
Step up in Investments 10% NA NA
 Nature
Taxable
Taxable
Non-Taxable
Non-Taxable
Taxable
Non-Taxable
Taxable
Taxable
Taxable
Taxable
Taxable
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
Net worth Statement on 1st April'2024
Particulars Rajat Tania
Assets
Real Estate
Flat 2,500,000 2,500,000

Used Assets
Car - 700,000
Jewellery 500,000
Invested Assets
ELSS Mutual fund 220,000
EPF Balance 2,350,000 1,250,000
Sovereign gold bonds 757,300
Sukanya Samridhi scheme 125,971 125,971
ULIPS 500,000 500,000
Ultra short-term Mutual fund 401,630 -
Liquid Assets
Cash in hand 250,000 250,000
Saving Bank Account 500,000 400,000
Recurring & FD deposit 1,000,000 800,000

Total Assets 8,384,901 7,245,971

Liabilities
Credit Card 25,000 -
Home loan 2,205,220 2,205,220
Total liabilities 2,230,220 2,205,220

Net worth 6,154,682 5,040,751

 Net worth Statement on 1st April'2049
Amount ( In Rs.) Particulars
Assets
Real Estate
5,000,000 House Property

Used Assets
700,000 Car
500,000 Jewellary

220,000 Invested Assets

3,600,000 Debt mutual Fund-EPF Receipts-Retirement
757,300 Debt mutual Fund-Flexi Cap Receipts-Retirement
251,942 Ultra short term Mutual Fund-Domestic Travel
1,000,000 Hybrid Mutual Fund-Internation Travel
401,630
Liquid Assets
500,000 Cash in hand
900,000 Saving Bank Account
1,800,000 Debt Mutual fund-Emergency Fund
Total Assets
15,630,873

25,000
4,410,440
4,435,440

11,195,433
Amount ( In Rs.)

27,005,983

8,997,907
1,693,177

102,013,508
41,202,134
11,690,389
1,024,435

500,000
31,349,611
5,237,084
230,714,228
Cash Flow FY 24-25 ( No Financial Planning)

Particular 2024-25
Opening Bank Balance 900,000

Rental income 144,000

Interest on saving Bank & FD 160,775
Interest on Sovereign Gold bonds 12,275
Salary Income-Tania 968,307
Salary Income-Rajat 1,627,127

Less:
Non-Discretionary
Household expenses Indore 432,000
Household expenses Mumbai 360,000
Relocation expenses Mumbai 70,000
House Rental Mumbai 360,000
EMI expenses 468,625
Car, pertol & Maintenance 24,000

Discretionary expense
Festival expenses 75,000
Recreation expenses 60,000
Charity & other philanthrophy 5,000
Support to Rohan 120,000
Vacation expense 200,000

Existing Investments
ELSS mutual fud 60,000
Sukanya Samridhi scheme 200,000
ULIPS 100,000
Endowment Policy 150,000

Surplus Added 227,860

Closing Bank Balance 1,127,860
Projected Cash Flow Statement for 25 Years

Particular 2024-25 2025-26

Opening Bank Balance 900,000 534,280

Opening Cash Balance 100,000 100,000

Rental income 144,000 151,200

Interest on saving Bank & FD 160,775 176,853
Interest on Sovereign Gold bonds 12,275 12,275
Salary Income-Tania 968,307 1,113,553
Salary Income-Rajat 1,627,127 1,789,840
Receipts from Sale of Flat
Less:
Non-Discretionary
Household expenses Indore 432,000
Household expenses Mumbai 360,000 960,000
Relocation expenses Mumbai 70,000 150,000
House Rental Mumbai 360,000 378,000
Support to parents 120,000
Support to Rohan 120,000 127,200
EMI expenses 468,625 468,625
Car, petrol & Maintenance 24,000 25,920
Term plan Rajat 40,000 40,000
Term plan Tania 18,000 18,000
Family Floater Premium 35,000 35,000
Less:
Discretionary expense
Festival expenses 75,000 81,000
Recreation expenses 60,000 64,800
Charity & other philantrophy 5,000 5,400
Financial Planner fees 118,000 29,500
Less:
Exisiting Invstments
ELSS mutual fud 60,000 60,000
Sukanya Samridhi scheme 200,000 200,000
ULIPS 100,000 100,000
Less:
Goal Based Investment
Car Loan EMI
Own Travel Abroad 30,543 33,598
Own Domestic Travel 188,123 206,935
Daughters Graduation 152,244 167,469
Daughters Post Graduation
Daughters Marriage
 Rohan Marriage
Rohan Professional Course 61,669 61,669
Long term Care fund
Retirement Planning
House Purchase EMI
House Purchase
Car Purchase
Less:
Emergency Fund 300,000 60,000

Closing Bank Balance 534,280 384,886

Closing Cash Balance 100,000 100,000

Emergency Fund Balance 2024-25 2025-26

Cash in Hand 400,000 400,000
Saving Bank 300,000 300,000
Debt Mutual Fund 632,837 731,635
Total Emergency Fund 1,332,837 1,431,635
Liquidity Ratio 6.2 5.9

Goal Based Investment 2024-25 2025-26

Leisure
Car Purchase 0% 0%
Travel-Domestic & International 51% 51%
Family Commitments
Daughters Education & Marriage 49% 49%
Parents Long term care 0% 0%
Non Working life planning
Retirement Planning 0% 0%
House Planning 0% 0%
100% 100%
2026-27 2027-28 2028-29 2029-30 2030-31

384,886 180,286 154,601 523,660 692,249

100,000 100,000 100,000 100,000 100,000

158,760 166,698 175,033 183,785 192,974

194,538 213,992 235,391 258,930 284,823
12,275 12,275 12,275
1,224,908 1,347,399 1,684,249 1,852,673 2,037,941
1,968,824 2,559,471 2,815,418 3,096,960 3,406,656

1,027,200 1,099,104 1,176,041 1,258,364 1,346,450

396,900 416,745 437,582 459,461 482,434

127,200 134,832 142,922 151,497 160,587
134,832 142,922 151,497 160,587 170,222
468,625 468,625 468,625 468,625 468,625
27,994 30,233 32,652 35,264 38,085
40,000 40,000 40,000 40,000 40,000
18,000 18,000 18,000 18,000 18,000
35,000 35,000 35,000 35,000 35,000

87,480 94,478 102,037 110,200 119,016

69,984 75,583 81,629 88,160 95,212
5,832 6,299 6,802 7,347 7,934
30,975 32,524 34,150 35,857 37,650

60,000 60,000 60,000 60,000 60,000

200,000 200,000 200,000 200,000 200,000
100,000 100,000 100,000 100,000 100,000

351,664 351,664 351,664 351,664

36,957 40,653 44,719 49,190 54,109
227,628 250,391 275,430 302,973 333,271
175,842 184,634 193,866 203,559 213,737
99,611 109,572 120,530 132,583 145,841
86,989 95,688 105,257 115,783 127,361
 173,185 190,504 209,554 230,510 253,561
61,669 61,669 61,669 61,669 61,669
161,293 177,422
261,758 287,934

72,000 86,400 103,680 124,416 149,299

180,286 154,601 523,660 692,249 1,079,558

100,000 100,000 100,000 100,000 100,000

2026-27 2027-28 2028-29 2029-30 2030-31

400,000 400,000 400,000 400,000 400,000
300,000 300,000 300,000 300,000 300,000
848,639 987,401 1,152,182 1,348,087 1,581,240
1,548,639 1,687,401 1,852,182 2,048,087 2,281,240
5.8 5.2 4.9 5.0 5.0

2026-27 2027-28 2028-29 2029-30 2030-31

0% 27% 26% 19% 18%

31% 23% 23% 19% 19%

69% 50% 51% 40% 40%

0% 0% 0% 9% 9%

0% 0% 0% 14% 14%
0% 0% 0% 0% 0%
100% 100% 100% 100% 100%
2031-32 2032-33 2033-34 2034-35 2035-36

1,079,558 1,771,707 2,673,856 4,264,495 956,494

100,000 100,000 100,000 100,000 100,000

202,622 212,754 223,391 234,561 246,289

313,305 344,635 379,099 417,009 458,710

2,241,735 2,443,491 2,663,405 2,876,478 3,106,596

3,747,322 4,084,581 4,452,193 4,808,369 5,193,038

1,440,701 1,541,550 1,649,459 1,764,921 1,888,465

506,556 531,884 558,478

170,222 180,436 191,262 202,737 214,902
180,436 191,262
468,625 468,625 468,625 468,625 468,625
41,132 44,422 47,976 51,814 55,959
40,000 40,000 40,000 40,000 40,000
18,000 18,000 18,000 18,000 18,000
35,000 35,000 35,000 42,000 42,000

128,537 138,820 149,925 161,919 174,873

102,829 111,056 119,940 129,535 139,898
8,569 9,255 9,995 10,795 11,658
39,533 41,509 43,585 45,764 48,052

60,000 60,000 60,000 60,000 60,000

200,000 200,000 200,000 100,000 100,000
100,000 100,000 100,000

351,664 351,664 351,664 351,664 351,664

59,520 65,472 72,020 79,222 87,144
366,598 403,258 443,583 487,942 536,736
224,424 235,645 247,427 118,327 124,244
160,425 176,468 194,114 213,526 234,878
140,097 154,107 169,518 186,470 205,116
 278,917 306,809 337,489 371,238
-
195,164 214,680 236,149
316,728 348,401 383,241 421,565 463,721
2,593,390 2,593,390
3,724,963

179,159 214,991 - -

1,771,707 2,673,856 4,264,495 956,494 2,101,801

100,000 100,000 100,000 100,000 100,000

2031-32 2032-33 2033-34 2034-35 2035-36

400,000 400,000 400,000 400,000 400,000
300,000 300,000 300,000 300,000 300,000
1,858,981 2,190,115 2,312,761 2,442,276 2,579,043
2,558,981 2,890,115 3,012,761 3,142,276 3,279,043
5.1 5.3 5.1 4.9 4.7

2031-32 2032-33 2033-34 2034-35 2035-36

17% 16% 14% 7% 8%

20% 21% 21% 12% 14%

38% 39% 39% 10% 12%

9% 10% 10% 0% 0%

15% 15% 16% 9% 10%

0% 0% 0% 131% 56%
100% 100% 100% 169% 100%
2036-37 2037-38 2038-39 2039-40 2040-41

2,101,801 3,696,674 5,875,746 8,282,762 10,748,572

100,000 100,000 100,000 100,000 100,000

258,603 271,533 285,110 299,366 314,334

504,581 555,039 610,543 671,597 738,757

3,292,992 3,490,571 3,630,194 3,775,402 3,888,664

5,504,621 5,834,898 6,068,294 6,311,025 6,500,356

2,020,658 2,162,104 2,313,451 2,475,393 2,648,670

227,796 241,464 255,951 271,308 287,587

468,625 468,625 468,625 468,625 468,625

60,436 65,271 70,493 76,132 82,223
40,000 40,000 40,000 40,000 40,000
18,000 18,000 18,000 18,000 18,000
42,000 42,000 42,000 42,000 42,000

188,863 203,972 220,290 237,913 256,946

151,090 163,177 176,232 190,330 205,557
12,591 13,598 14,686 15,861 17,130
50,455 52,978 55,627 58,408 61,328

60,000 60,000 60,000 60,000 60,000

351,664
95,858 105,444 115,988 127,587 140,346
590,410 649,451 714,396 785,835 864,419

258,366 284,203 137,774 151,552

225,628 248,191 273,010 300,311 330,342
 510,093 561,103 617,213 678,934 746,828
2,593,390 2,593,390 2,593,390 2,593,390 2,593,390

- - -

3,696,674 5,875,746 8,282,762 10,748,572 13,327,294

100,000 100,000 100,000 100,000 100,000

2036-37 2037-38 2038-39 2039-40 2040-41

400,000 400,000 400,000 400,000 400,000
300,000 300,000 300,000 300,000 300,000
2,723,470 2,875,984 3,037,039 3,207,113 3,386,712
3,423,470 3,575,984 3,737,039 3,907,113 4,086,712
4.7 4.6 4.6 4.6 4.7

2036-37 2037-38 2038-39 2039-40 2040-41

8% 0% 0% 0% 0%
15% 17% 19% 20% 21%

10% 12% 9% 10% 7%

0% 0% 0% 0% 0%

11% 13% 14% 15% 16%

56% 58% 58% 56% 55%
100% 100% 100% 100% 100%
2041-42 2042-43 2043-44 2044-45 2045-46

13,327,294 15,148,407 17,913,988 22,778,161 25,470,791

100,000 100,000 100,000 100,000 100,000

330,051 346,553
812,632 893,896 983,285 1,081,614 1,189,775

4,005,324 4,125,483 4,207,993 4,292,153 4,335,074

6,695,367 6,896,228 7,034,152 7,174,836 7,246,584
15,481,840

2,834,077 3,032,463 3,244,735 3,471,866 3,714,897

304,842

468,625 468,625
88,800 95,904 103,577 111,863 120,812
40,000 40,000 40,000 40,000 40,000
18,000 18,000 18,000 18,000 18,000
42,000 42,000 42,000 50,400 50,400

277,501 299,701 323,678 349,572 377,538

222,001 239,761 258,942 279,657 302,030
18,500 19,980 21,579 23,305 25,169
64,395 67,615 70,995 74,545 78,272

60,000 60,000 60,000 60,000 60,000

154,380 169,819 186,800 205,480 226,028

950,861 1,045,947 1,150,541 1,265,595 1,392,155

363,376 399,714 439,685 218,866 240,753

 821,510 903,661 994,027 1,093,430 1,202,773
3,293,390 2,593,390 3,293,390 2,593,390 3,593,390

12,595,147

15,148,407 17,913,988 22,778,161 25,470,791 26,800,007

100,000 100,000 100,000 100,000 100,000

2041-42 2042-43 2043-44 2044-45 2045-46

400,000 400,000 400,000 400,000 400,000
300,000 300,000 300,000 300,000 300,000
3,576,367 3,776,644 3,988,136 4,211,472 4,447,314
4,276,367 4,476,644 4,688,136 4,911,472 5,147,314
4.8 4.9 5.0 5.1 5.3

2041-42 2042-43 2043-44 2044-45 2045-46

0% 0% 208% 0% 0%
20% 24% 22% 27% 24%

7% 8% 2% 4% 4%
0% 0% 0% 0% 0%

15% 18% 16% 20% 18%

59% 51% 54% 48% 54%
100% 100% 303% 100% 100%
2046-47 2047-48 2048-49

26,800,007 28,992,673 29,731,382

100,000 100,000 100,000

1,308,753 1,439,628 1,583,591

4,378,425 4,422,209 4,466,432

7,319,050 7,392,240 7,466,163

3,974,940 4,253,186 4,550,909

130,477 140,915 152,188

40,000 40,000 40,000
18,000 18,000 18,000
50,400 50,400 50,400

407,741 440,360 475,589

326,192 352,288 380,471
27,183 29,357 31,706
82,186 86,295 90,610

60,000 60,000 60,000

248,631 273,494 300,844

1,531,371 1,684,508 1,852,958
 1,323,051 1,455,356 1,600,891
2,593,390 3,631,210 2,593,390

28,992,673 29,731,382 31,049,611

100,000 100,000 100,000

2046-47 2047-48 2048-49

400,000 400,000 400,000
300,000 300,000 300,000
4,696,364 4,959,360 5,237,084
5,396,364 5,659,360 5,937,084
5.5 5.7 6.0

2046-47 2047-48 2048-49

0% 0% 0%
31% 28% 34%

0% 0% 0%
0% 0% 0%

23% 21% 25%

46% 52% 41%
100% 100% 100%
Contingency Fund Amount
Months 6
Monthly salary 216,286
Amount required 1,297,717
Sources
Cash in hand 400,000
Saving Bank 200,000
Liquid fund 100,000
Debt mutual funds 597,717

Proposed Parking for Contingency Fund

Cash in Hand 31%
Saving Bank & Liquid fund 23%
Debt mutual fund 46%
100%

Statement showing movement in Saving Bank & FD

Cash
Openning Balance 500,000
Less:utilised
Emergency Fund 400,000
Car Puchase Downpayment
Parents Travel
International Travel
Debt mutual Fund (Emergency)
Closing Balance 100,000
Saving Bank FD
900,000 1,800,000

300,000
252,283
600,000
350,000
597,717
600,000
Emergency Fund -Debt Mutual Fund Balance

Opening Balance Addition Total Interest Closing

- 597,717 597,717 33,472 631,189
631,189 60,000 691,189 38,707 729,896
729,896 72,000 801,896 44,906 846,802
846,802 86,400 933,202 52,259 985,461
985,461 103,680 1,089,141 60,992 1,150,133
1,150,133 124,416 1,274,549 71,375 1,345,924
1,345,924 149,299 1,495,223 83,732 1,578,956
1,578,956 179,159 1,758,115 98,454 1,856,569
1,856,569 214,991 2,071,560 116,007 2,187,567
2,187,567 2,187,567 122,504 2,310,071
2,310,071 2,310,071 129,364 2,439,435
2,439,435 2,439,435 136,608 2,576,043
2,576,043 2,576,043 144,258 2,720,302
2,720,302 2,720,302 152,337 2,872,639
2,872,639 2,872,639 160,868 3,033,507
3,033,507 3,033,507 169,876 3,203,383
3,203,383 3,203,383 179,389 3,382,772
3,382,772 3,382,772 189,435 3,572,208
3,572,208 3,572,208 200,044 3,772,251
3,772,251 3,772,251 211,246 3,983,497
3,983,497 3,983,497 223,076 4,206,573
4,206,573 4,206,573 235,568 4,442,141
4,442,141 4,442,141 248,760 4,690,901
4,690,901 4,690,901 262,690 4,953,592
4,953,592 4,953,592 277,401 5,230,993
Existing Portfolio
Particular Amount
Real Estate
Flat 5,000,000
Used Assets
Car 700,000
Invested Assets
Equity
ELSS Mutual fund 220,000
Ultra short term Mutual fund 401,630
Gold
Jewellary 500,000
Sovereign gold bonds(4777) 757,300
Other Investment
EPF Balance 3,600,000
Sukanya smaridhi scheme 251,942
ULIPS 1,000,000
Liquid Assets -
Cash in hand 500,000
Saving Bank Account 900,000
Recurring & FD deposit 1,800,000
15,630,873
Existing Portfolio %
Asset Allocation %
Real Estate 32%
Long term investment 31%
Liquid Assets 20%
Equity 4%
Gold 8%
Vehicle 4%
Total 100%

50
Proposed Investment
Particular Monthly SIP Annual Share%
Existing Investment 104,700 1,256,400 25%
Sukanya Smaridhi scheme 16,667 200,000
ULIPS 12,500 150,000
Endownment Policy 8,333 100,000
Employees Provident Fund 67,200 806,400
Debt Fund 20,677 248,123 5%
Ultra short-term Mutual fund 15,677 188,123
Debt Mutual Fund 5,000 60,000
Equity Fund 85,469 1,025,625 20%
ELSS mutual fud 5,000 60,000
Large Cap Mutual Fund 56,110 673,323
Hybrid Fund SIP 2,545 30,543
Flexi Cap Fund 21,813 261,758
Home Loan 216,116 2,593,390 51%
EMI payment 216,116 2,593,390
Total 426,961 5,123,538 100%
 Name Relation Age City

Rajat Sethi Self 35 Indore

Tania Sethi Wife 33 Indore

Khushi Sethi Daughter 8 Indore

Pari Sethi Daughter 6 Indore

Khushwant Sethi &Family Brother 40 Coimbatore

Rajan & Rama Sethi Parents 65 Indore

Sister & Brother
Ruchi & Raj Shamani in law 37 Mumbai
Father & Mother
Sushil & Manju Wadia in law 67 Devas
Brother in law
Rohan Wadia Son 17 Devas
 Retirement
Occupation
Age

Regional Head of MP & Chattisgarh at TaskUs India 60

Assistant Professor at Acropolis Institute of Technology &
Research, Indore 60

Studing in 3rd Class at SDPS international School NA

Studing in 1st Class at SDPS international School NA

Air Marshall in Indian Air Force NA

Retired NA

Working in Mumbai NA

Retired NA

Studying in class 11th at Devas International School NA

Education Marriage Health
Age Age Status

NA NA Good

NA NA Good

18 27 Good

18 27 Good

NA NA Good

NA NA Average

NA NA Good

NA NA Average

NA NA Good
S No Type of Goals Priority Time( In Years)
1 Build Emergency Fund High Immediate
2 Term Plan for Rajat & Tania High Immediate
3 Health Insuarnce-Family Floater High Immediate
4 Housing Loan Repayment-Indore High Ongoing
5 Daughter Graduation High Immediate
6 Support to Parents High Immediate
7 Domestic Vacation Medium Immediate
8 Foreign Vacation Medium Immediate
9 Rohan Marriage Low After 2 years
10 Daughters Marriage Low After 2 years
11 Daughters Post Graduation Medium After 2 years
12 Buy Hybrid Car Medium After 3 years
13 Long term Care Fund Medium After 5 years
14 Retirement Corpus High After 5 years
15 House Goal High After 10 years
 Current/
Investment
Recommended

ELSS mutual fud Current

Sukanya Smaridhi scheme Current
ULIPS Current
Endownment Policy Current
Sovereign gold bonds Current

Ultra short-term Mutual fund Current

Employees Provident Fund Current
Large Cap Mutual Fund Recommended
Large Cap Mutual Fund Recommended
Recuring Deposit Recommended
Debt Mutual Fund Recommended
Hybrid Fund SIP Recommended
Large Cap Mutual Fund Recommended
Large Cap Mutual Fund Recommended
Large Cap Mutual Fund Recommended
Flexi Cap Mutual Fund Recommended
Home Loan Recommended
 Amount per Net of Tax
Type of Goal Covered Step up Rate of Interest
Month returns %

Daughters Marriage 5,000 0% 12.0% 10.8%

Daughters Graduation 16,667 0% 8.0% 8.0%
Daughters Graduation 12,500 0% *No interest as fixed Maturity
Daughters Graduation 8,333 0% *No interest as fixed Maturity
Daughters Post Graduation * Fixed Amount invested 7.0% 7.0%

Domestic Travel 15,677 10% 4.5% 3.2%

Retirement Planning 33,600 10% 8.0% 8.0%
Daughters Graduation 12,687 10% 12.0% 10.8%
Daughters Post Graduation 8,301 10% 12.0% 10.8%
Rohan CA course 5,139 0% 5.0% 3.5%
Emergency Fund 5,000 10% 8.0% 5.6%
Foreign Travel 2,545 10% 9.0% 6.3%
Daughters Marriage 7,249 10% 12.0% 10.8%
Rohan Marriage 14,432 10% 12.0% 10.8%
Long term Care fund 13,441 10% 12.0% 10.8%
Retirement Planning 21,813 10% 13.0% 11.7%
House Purchase 216,116 NA 8.5% NA
No of Years
When to start
Invested

20 & 22 years Existing

10 & 12 years Existing
7 years Existing
1 years Existing
5 years Existing
Existing but with
25 years increase in SIP
25 years Existing
10 & 12 years Immediate
14&16 years After 2 years
7 years Immediate
25 years Immediate
25 years Immediate
18 & 20 years After 2 years
9 years After 2 years
5 years After 5 years
20 years After 5 years
17 years After 10 years
 Graduation of Khushi & Pari
Particulars Khushi
Current Age 8
Age of Graduation 18
No of Years 10
Cost in today's term 2,000,000
Inflation % 8%
Amount required 4,317,850
Maturity proceeds of Sukanya Samridhi 1,362,315
Maturity proceeds of ULIPS & endowment policy 725000
Net Amount required 2,230,535
PV Required 799,855
Equity % 10.8%
Step up 10%
Real rate of interest 0.7%
EMI required ₹ 6,909
 Post Graduation of Khushi & Pari
Pari Particulars
6 Current Age
18 Age of Post Graduation
12 No of Years
2,000,000 Cost in today's term
8% Inflation
5,036,340 Amount required
1,582,544 Maturity proceeds of SGB
725000 Investment in Large cap
2,728,797 Proceeds at Age 22
797,066 Net Amount required
10.8% PV Required
10% Equity %
1% Step up
₹ 5,778 Real rate of interest
EMI required
raduation of Khushi & Pari
Khushi Pari
8 6
22 22
14 16
1,500,000 1,500,000
8% 8%
4,405,790 5,138,914
531,076 531,076
11% 11%
1,336,641 1,640,946
3,069,150 3,497,968
582,748 523,844
13% 13%
10% 10%
2% 2%
₹ 4,643 ₹ 3,658
 Marriage of Khushi & Pari & Rohan
Khushi Pari
Current Age 8 6
Age of Marriage 28 28
No of Years 20 22
Cost in today's term 2,000,000 2,000,000
Inflation 8% 8%
Amount required 9,321,914 10,873,081
Maturity proceeds of ELSS 3,071,334 3,875,399
Net Amount required 6,250,580 6,997,682
PV Required 803,758 732,959
Investment in Large Cap 11% 11%
Step up 10% 10%
Real rate of interest 1% 1%
EMI required ₹ 3,969 ₹ 3,280
Networth in ELSS fund 110000 110000
Amount invested in ELSS p.m. 2500 2500
 Rohan CA course
Rohan Current Age 17
17 No of years 5
28 IPCC Coaching Cost 120000
11 Inflation 8%
2,000,000 Cost after 5 years 176,319
8%
4,663,278 Finals Coaching 175000
No of years 7
4,663,278 Cost after 7 years 299,919
1,509,225
11% Investment Rate 3.50%
10% Nominal Rate 3.45%
1% PV of fund 384,190
₹ 14,432 PMT Required ₹ 5,139
 International Travel-Rajat & Tania
Frequency In every 4 years
First Year 2028
Cost in today's terms 300,000
Inflation 8%
Cost after 4 years 408,147
Hybrid Fund Return 9.0%
Hybrid Fund Return(After Tax) 6.3%
Hybrid fund SIP 2,545
Step up 10%

Parents Travel
Particular Amount
Cost of single trip 50,000
Frequency of trips in a year 4
No of years 3
Total cost incurred 600,000
Amount to be transferred from FD
to Liquid Fund 600,000
Park in liquid fund 4.0%
 Domestic Travel-Rajat & Tania Domestic Travel Chart
Opening
Amount spent every year 180,000 S no Balance
Contributing years 25 1 401,630
Travel Period 40 2 428,330
Ultra Short term Mutual fund 4.5% 3 480,887
Return Post Tax 3.2% 4 543,200
Monthly SIP 15,677 5 616,839
Step up 10% 6 703,595
7 805,503
8 924,879
9 1,064,352
10 1,226,901
11 1,415,905
12 1,635,182
13 1,889,054
14 2,182,399
15 2,520,724
16 2,910,237

17 3,357,935
18 3,871,692
19 4,460,370
20 5,133,931
21 5,903,568
22 6,781,849
23 7,782,876
24 8,922,467
25 10,218,350
26 11,690,389
27 11,687,248
28 11,624,738
29 11,494,386
30 11,286,805
31 10,991,608
32 10,597,312
33 10,091,235
34 9,459,378
35 8,686,305
36 7,755,008
37 6,646,756
38 5,340,939
39 3,814,891
40 2,043,699
 -
Amount Amount
invested Total Amount Interest Total withdrawn
188,123 589,753 18,577 608,330 180,000
206,935 635,265 40,022 675,287 194,400
227,628 708,515 44,636 753,152 209,952
250,391 793,591 49,996 843,587 226,748
275,430 892,270 56,213 948,483 244,888
302,973 1,006,568 63,414 1,069,982 264,479
333,271 1,138,774 71,743 1,210,516 285,637
366,598 1,291,477 81,363 1,372,840 308,488
403,258 1,467,609 92,459 1,560,069 333,167
443,583 1,670,485 105,241 1,775,725 359,821
487,942 1,903,846 119,942 2,023,789 388,606
536,736 2,171,918 136,831 2,308,749 419,695
590,410 2,479,464 156,206 2,635,670 453,271
649,451 2,831,850 178,407 3,010,256 489,532
714,396 3,235,120 203,813 3,438,932 528,695
785,835 3,696,073 232,853 3,928,925 570,990

864,419 4,222,354 266,008 4,488,362 616,670

950,861 4,822,553 303,821 5,126,374 666,003
1,045,947 5,506,317 346,898 5,853,215 719,284
1,150,541 6,284,473 395,922 6,680,395 776,826
1,265,595 7,169,164 451,657 7,620,821 838,972
1,392,155 8,174,004 514,962 8,688,966 906,090
1,531,371 9,314,247 586,798 9,901,044 978,577
1,684,508 10,606,974 668,239 11,275,214 1,056,863
1,852,958 12,071,309 760,492 12,831,801 1,141,413
11,690,389 736,494 12,426,883 739,635
11,687,248 736,297 12,423,544 798,806
11,624,738 732,359 12,357,097 862,711
11,494,386 724,146 12,218,532 931,727
11,286,805 711,069 11,997,874 1,006,266
10,991,608 692,471 11,684,079 1,086,767
10,597,312 667,631 11,264,943 1,173,708
10,091,235 635,748 10,726,983 1,267,605
9,459,378 595,941 10,055,318 1,369,013
8,686,305 547,237 9,233,542 1,478,534
7,755,008 488,565 8,243,573 1,596,817
6,646,756 418,746 7,065,502 1,724,563
5,340,939 336,479 5,677,418 1,862,528
3,814,891 240,338 4,055,229 2,011,530
2,043,699 128,753 2,172,452 2,172,452
Closing InternationalOpening
Travel Chart Amount
Balance S no Balance invested Total Amount
428,330 1 350,000 30,543 380,543
480,887 2 404,518 33,598 438,115
543,200 3 465,717 36,957 502,674
616,839 4 534,342 40,653 574,996
703,595 5 203,074 44,719 247,792
805,503 6 263,403 49,190 312,593
924,879 7 332,287 54,109 386,396
1,064,352 8 410,739 59,520 470,260
1,226,901 9 59,088 65,472 124,560
1,415,905 10 132,407 72,020 204,427
1,635,182 11 217,306 79,222 296,527
1,889,054 12 315,209 87,144 402,352
2,182,399 13 -48,362 95,858 47,496
2,520,724 14 50,489 105,444 155,933
2,910,237 15 165,756 115,988 281,745
3,357,935 16 299,494 127,587 427,082

3,871,692 17 -60,159 140,346 80,186

4,460,370 18 85,238 154,380 239,619
5,133,931 19 254,715 169,819 424,533
5,903,568 20 451,279 186,800 638,079
6,781,849 21 122,999 205,480 328,479
7,782,876 22 349,174 226,028 575,202
8,922,467 23 611,440 248,631 860,071
10,218,350 24 914,255 273,494 1,187,750
11,690,389 25 662,877 300,844 963,721
11,687,248 26 1,024,435 1,024,435
11,624,738 27 1,088,974 1,088,974
11,494,386 28 1,157,580 1,157,580
11,286,805 29 841,901 841,901
10,991,608 30 894,941 894,941
10,597,312 31 951,322 951,322
10,091,235 32 1,011,255 1,011,255
9,459,378 33 655,269 655,269
8,686,305 34 696,551 696,551
7,755,008 35 740,434 740,434
6,646,756 36 787,081 787,081
5,340,939 37 383,397 383,397
3,814,891 38 407,551 407,551
2,043,699 39 433,226 433,226
0 40 460,520 460,520
 Amount Closing
Interest Total withdrawn Balance
23,974 404,518 - 404,518
27,601 465,717 - 465,717
31,668 534,342 - 534,342
36,225 611,220 408,147 203,074
15,611 263,403 - 263,403
19,693 332,287 - 332,287
24,343 410,739 - 410,739
29,626 499,886 440,798 59,088
7,847 132,407 - 132,407
12,879 217,306 - 217,306
18,681 315,209 - 315,209
25,348 427,700 476,062 -48,362
2,992 50,489 - 50,489
9,824 165,756 - 165,756
17,750 299,494 - 299,494
26,906 453,988 514,147 -60,159

5,052 85,238 - 85,238

15,096 254,715 - 254,715
26,746 451,279 - 451,279
40,199 678,278 555,279 122,999
20,694 349,174 - 349,174
36,238 611,440 - 611,440
54,184 914,255 - 914,255
74,828 1,262,578 599,701 662,877
60,714 1,024,435 - 1,024,435
64,539 1,088,974 - 1,088,974
68,605 1,157,580 - 1,157,580
72,928 1,230,507 388,606 841,901
53,040 894,941 - 894,941
56,381 951,322 - 951,322
59,933 1,011,255 - 1,011,255
63,709 1,074,964 419,695 655,269
41,282 696,551 - 696,551
43,883 740,434 - 740,434
46,647 787,081 - 787,081
49,586 836,667 453,271 383,397
24,154 407,551 - 407,551
25,676 433,226 - 433,226
27,293 460,520 - 460,520
29,013 489,532 489,532 -0
 Hybrid Car Goal
Car to be bought in which year 2027
Time Period 3
Cost of car today 2000000
Inflation 9%
Value of car after 3 years 2,590,058
Downpayment through FD 252,283
Amoun to be financed 2,337,775
Car loan EMI ₹ -29,305
Rate of interest 11%
Tenure 12

Electronic Vehicle
Car to be bought in which year 2043
Cost of car today 2500000
Inflation 9%
No of years 19
Value of car after 19 years 12,854,153
Salvage Value @10% 259,006
Total Amount required 12,595,147

Receipts from Sale of Flat 16,035,677

Indexed Cost 13,266,489
LTCG 2,769,189
Tax Liability 553,838
Net Receipts 15,481,840
Surplus left after Car Purchase 2,886,692
Car Loan Repayment Schedule
Months Opening Balance Interest Total
1 2,337,775 21,430 2,359,205
2 2,329,899 21,357 2,351,257
3 2,321,951 21,285 2,343,236
4 2,313,931 21,211 2,335,142
5 2,305,836 21,137 2,326,973
6 2,297,668 21,062 2,318,730
7 2,289,425 20,986 2,310,411
8 2,281,106 20,910 2,302,016
9 2,272,711 20,833 2,293,544
10 2,264,238 20,756 2,284,994
11 2,255,689 20,677 2,276,366
12 2,247,061 20,598 2,267,659
13 2,238,353 20,518 2,258,872
14 2,229,566 20,438 2,250,004
15 2,220,699 20,356 2,241,055
16 2,211,750 20,274 2,232,024
17 2,202,719 20,192 2,222,910
18 2,193,605 20,108 2,213,713
19 2,184,408 20,024 2,204,432
20 2,175,126 19,939 2,195,065
21 2,165,760 19,853 2,185,612
22 2,156,307 19,766 2,176,073
23 2,146,768 19,679 2,166,447
24 2,137,141 19,590 2,156,732
25 2,127,426 19,501 2,146,928
26 2,117,623 19,412 2,137,034
27 2,107,729 19,321 2,127,050
28 2,097,744 19,229 2,116,974
29 2,087,668 19,137 2,106,805
30 2,077,500 19,044 2,096,544
31 2,067,239 18,950 2,086,188
32 2,056,883 18,855 2,075,738
33 2,046,432 18,759 2,065,191
34 2,035,886 18,662 2,054,548
35 2,025,243 18,565 2,043,808
36 2,014,502 18,466 2,032,969
37 2,003,663 18,367 2,022,030
38 1,992,725 18,267 2,010,992
39 1,981,686 18,165 1,999,852
40 1,970,547 18,063 1,988,610
41 1,959,305 17,960 1,977,265
42 1,947,960 17,856 1,965,816
43 1,936,511 17,751 1,954,262
44 1,924,957 17,645 1,942,602
45 1,913,297 17,539 1,930,835
46 1,901,530 17,431 1,918,961
47 1,889,655 17,322 1,906,977
48 1,877,672 17,212 1,894,884
49 1,865,579 17,101 1,882,680
50 1,853,374 16,989 1,870,364
51 1,841,058 16,876 1,857,935
52 1,828,629 16,762 1,845,392
53 1,816,087 16,647 1,832,734
54 1,803,429 16,531 1,819,960
55 1,790,655 16,414 1,807,069
56 1,777,764 16,296 1,794,060
57 1,764,755 16,177 1,780,932
58 1,751,626 16,057 1,767,683
59 1,738,378 15,935 1,754,313
60 1,725,007 15,813 1,740,820
61 1,711,515 15,689 1,727,204
62 1,697,898 15,564 1,713,462
63 1,684,157 15,438 1,699,595
64 1,670,290 15,311 1,685,601
65 1,656,296 15,183 1,671,478
66 1,642,173 15,053 1,657,226
67 1,627,921 14,923 1,642,844
68 1,613,538 14,791 1,628,329
69 1,599,024 14,658 1,613,681
70 1,584,376 14,523 1,598,900
71 1,569,594 14,388 1,583,982
72 1,554,677 14,251 1,568,928
73 1,539,623 14,113 1,553,736
74 1,524,431 13,974 1,538,405
75 1,509,099 13,833 1,522,933
76 1,493,627 13,692 1,507,319
77 1,478,014 13,548 1,491,562
78 1,462,257 13,404 1,475,661
79 1,446,356 13,258 1,459,614
80 1,430,309 13,111 1,443,420
81 1,414,114 12,963 1,427,077
82 1,397,772 12,813 1,410,585
83 1,381,279 12,662 1,393,941
84 1,364,636 12,509 1,377,145
85 1,347,840 12,355 1,360,195
86 1,330,890 12,200 1,343,089
 87 1,313,784 12,043 1,325,827
88 1,296,522 11,885 1,308,407
89 1,279,101 11,725 1,290,826
90 1,261,521 11,564 1,273,085
91 1,243,780 11,401 1,255,181
92 1,225,876 11,237 1,237,113
93 1,207,808 11,072 1,218,879
94 1,189,574 10,904 1,200,478
95 1,171,173 10,736 1,181,909
96 1,152,604 10,566 1,163,169
97 1,133,864 10,394 1,144,258
98 1,114,952 10,220 1,125,173
99 1,095,867 10,045 1,105,913
100 1,076,607 9,869 1,086,476
101 1,057,171 9,691 1,066,862
102 1,037,557 9,511 1,047,067
103 1,017,762 9,329 1,027,092
104 997,786 9,146 1,006,933
105 977,627 8,962 986,589
106 957,284 8,775 966,059
107 936,753 8,587 945,340
108 916,035 8,397 924,432
109 895,127 8,205 903,332
110 874,027 8,012 882,039
111 852,733 7,817 860,550
112 831,245 7,620 838,865
113 809,559 7,421 816,980
114 787,675 7,220 794,895
115 765,590 7,018 772,608
116 743,303 6,814 750,116
117 720,811 6,607 727,418
118 698,113 6,399 704,512
119 675,207 6,189 681,396
120 652,091 5,978 658,069
121 628,763 5,764 634,527
122 605,222 5,548 610,770
123 581,464 5,330 586,794
124 557,489 5,110 562,599
125 533,294 4,889 538,183
126 508,877 4,665 513,542
127 484,237 4,439 488,676
128 459,370 4,211 463,581
129 434,276 3,981 438,257
130 408,951 3,749 412,700
131 383,395 3,514 386,909
132 357,604 3,278 360,882
133 331,577 3,039 334,616
134 305,311 2,799 308,110
135 278,804 2,556 281,360
136 252,055 2,311 254,365
137 225,060 2,063 227,123
138 197,818 1,813 199,631
139 170,326 1,561 171,887
140 142,582 1,307 143,889
141 114,583 1,050 115,634
142 86,328 791 87,120
143 57,814 530 58,344
144 29,039 266 29,305
EMI Net
-29,305 2,329,899
-29,305 2,321,951
-29,305 2,313,931
-29,305 2,305,836
-29,305 2,297,668
-29,305 2,289,425
-29,305 2,281,106
-29,305 2,272,711
-29,305 2,264,238
-29,305 2,255,689
-29,305 2,247,061
-29,305 2,238,353
-29,305 2,229,566
-29,305 2,220,699
-29,305 2,211,750
-29,305 2,202,719
-29,305 2,193,605
-29,305 2,184,408
-29,305 2,175,126
-29,305 2,165,760
-29,305 2,156,307
-29,305 2,146,768
-29,305 2,137,141
-29,305 2,127,426
-29,305 2,117,623
-29,305 2,107,729
-29,305 2,097,744
-29,305 2,087,668
-29,305 2,077,500
-29,305 2,067,239
-29,305 2,056,883
-29,305 2,046,432
-29,305 2,035,886
-29,305 2,025,243
-29,305 2,014,502
-29,305 2,003,663
-29,305 1,992,725
-29,305 1,981,686
-29,305 1,970,547
-29,305 1,959,305
-29,305 1,947,960
-29,305 1,936,511
-29,305 1,924,957
-29,305 1,913,297
-29,305 1,901,530
-29,305 1,889,655
-29,305 1,877,672
-29,305 1,865,579
-29,305 1,853,374
-29,305 1,841,058
-29,305 1,828,629
-29,305 1,816,087
-29,305 1,803,429
-29,305 1,790,655
-29,305 1,777,764
-29,305 1,764,755
-29,305 1,751,626
-29,305 1,738,378
-29,305 1,725,007
-29,305 1,711,515
-29,305 1,697,898
-29,305 1,684,157
-29,305 1,670,290
-29,305 1,656,296
-29,305 1,642,173
-29,305 1,627,921
-29,305 1,613,538
-29,305 1,599,024
-29,305 1,584,376
-29,305 1,569,594
-29,305 1,554,677
-29,305 1,539,623
-29,305 1,524,431
-29,305 1,509,099
-29,305 1,493,627
-29,305 1,478,014
-29,305 1,462,257
-29,305 1,446,356
-29,305 1,430,309
-29,305 1,414,114
-29,305 1,397,772
-29,305 1,381,279
-29,305 1,364,636
-29,305 1,347,840
-29,305 1,330,890
-29,305 1,313,784
-29,305 1,296,522
-29,305 1,279,101
-29,305 1,261,521
-29,305 1,243,780
-29,305 1,225,876
-29,305 1,207,808
-29,305 1,189,574
-29,305 1,171,173
-29,305 1,152,604
-29,305 1,133,864
-29,305 1,114,952
-29,305 1,095,867
-29,305 1,076,607
-29,305 1,057,171
-29,305 1,037,557
-29,305 1,017,762
-29,305 997,786
-29,305 977,627
-29,305 957,284
-29,305 936,753
-29,305 916,035
-29,305 895,127
-29,305 874,027
-29,305 852,733
-29,305 831,245
-29,305 809,559
-29,305 787,675
-29,305 765,590
-29,305 743,303
-29,305 720,811
-29,305 698,113
-29,305 675,207
-29,305 652,091
-29,305 628,763
-29,305 605,222
-29,305 581,464
-29,305 557,489
-29,305 533,294
-29,305 508,877
-29,305 484,237
-29,305 459,370
-29,305 434,276
-29,305 408,951
-29,305 383,395
-29,305 357,604
-29,305 331,577
-29,305 305,311
-29,305 278,804
-29,305 252,055
-29,305 225,060
-29,305 197,818
-29,305 170,326
-29,305 142,582
-29,305 114,583
-29,305 86,328
-29,305 57,814
-29,305 29,039
-29,305 -0
 2BHK flat at Mumbai
Home basic Cost
Registration & Stamp Duty
Other Interiors & appliances Cost (@20%)
Total Cost
Inflation
Purchase year
Rate of interest
Time to Goal
Amount required after 8 years
Loan finance for Home Basic Cost
Balance amount from Surplus in Saving bank
No of Years
PMT required
Loan repayment completed in years

Lumsum Payment
8th year
10th year
12th year
14th year
 Repayment Schedule Loan
Mumbai Months Opening Balance
13,000,000 1 23,281,020
780,000 2 23,229,811
1,300,000 3 23,178,240
15,080,000 4 23,126,303
6% 5 23,073,999
2034 6 23,021,324
8.5% 7 22,968,276
10 8 22,914,852
27,005,983 9 22,861,049
23,281,020 10 22,806,866
3,724,963 11 22,752,299
17 12 22,697,345
216,116 13 22,642,002
15 14 22,586,267
15 22,530,137
16 22,473,610
Amount 17 22,416,682
700,000.00 18 22,359,351
700,000.00 19 22,301,614
1,000,000.00 20 22,243,468
1,037,820.00 21 22,184,910
22 22,125,937
23 22,066,546
24 22,006,735
25 21,946,500
26 21,885,839
27 21,824,748
28 21,763,224
29 21,701,264
30 21,638,866
31 21,576,025
32 21,512,739
33 21,449,005
34 21,384,820
35 21,320,180
36 21,255,082
37 21,189,523
38 21,123,499
39 21,057,008
40 20,990,046
41 20,922,610
42 20,854,696
43 20,786,301
44 20,717,421
45 20,648,054
46 20,578,195
47 20,507,841
48 20,436,989
49 20,365,635
50 20,293,776
51 20,221,408
52 20,148,527
53 20,075,130
54 20,001,213
55 19,926,772
56 19,851,804
57 19,776,305
58 19,700,272
59 19,623,699
60 19,546,585
61 19,468,924
62 19,390,713
63 19,311,948
64 19,232,625
65 19,152,740
66 19,072,289
67 18,991,269
68 18,909,675
69 18,827,502
70 18,744,748
71 18,661,407
72 18,577,476
73 18,492,951
74 18,407,827
75 18,322,100
76 18,235,765
77 18,148,819
78 18,061,258
79 17,973,076
80 17,884,269
81 17,794,834
82 17,704,764
83 17,614,057
84 17,522,708
85 17,430,711
86 17,338,063
87 17,244,758
88 17,150,793
 89 17,056,161
90 16,960,860
91 16,864,884
92 16,768,227
93 16,670,886
94 16,572,856
95 16,474,131
8 96 16,374,707
97 15,574,579
98 15,468,783
99 15,362,237
100 15,254,937
101 15,146,877
102 15,038,052
103 14,928,456
104 14,818,083
105 14,706,928
106 14,594,987
107 14,482,252
108 14,368,719
109 14,254,381
110 14,139,234
111 14,023,271
112 13,906,487
113 13,788,875
114 13,670,430
115 13,551,147
116 13,431,018
117 13,310,039
118 13,188,202
119 13,065,503
10 120 12,941,934
121 12,117,490
122 11,987,207
123 11,856,000
124 11,723,864
125 11,590,792
126 11,456,778
127 11,321,814
128 11,185,895
129 11,049,012
130 10,911,160
131 10,772,332
132 10,632,520
133 10,491,718
 134 10,349,918
135 10,207,114
136 10,063,299
137 9,918,464
138 9,772,604
139 9,625,711
140 9,477,777
141 9,328,796
142 9,178,759
143 9,027,659
12 144 8,875,489
145 7,722,241
146 7,560,825
147 7,398,265
148 7,234,553
149 7,069,682
150 6,903,643
151 6,736,428
152 6,568,029
153 6,398,436
154 6,227,643
155 6,055,639
156 5,882,418
157 5,707,969
158 5,532,284
159 5,355,355
160 5,177,173
161 4,997,729
162 4,817,014
163 4,635,019
164 4,451,734
165 4,267,151
166 4,081,261
167 3,894,054
168 3,705,521
169 2,477,833
170 2,279,268
171 2,079,297
172 1,877,910
173 1,675,096
174 1,470,845
175 1,265,148
176 1,057,993
177 849,371
178 639,272
179 427,684
180 214,598
Interest Total EMI Closing Balance
164,907 23,445,927 216,116 23,229,811
164,544 23,394,356 216,116 23,178,240
164,179 23,342,419 216,116 23,126,303
163,811 23,290,115 216,116 23,073,999
163,441 23,237,440 216,116 23,021,324
163,068 23,184,391 216,116 22,968,276
162,692 23,130,968 216,116 22,914,852
162,314 23,077,165 216,116 22,861,049
161,932 23,022,982 216,116 22,806,866
161,549 22,968,415 216,116 22,752,299
161,162 22,913,461 216,116 22,697,345
160,773 22,858,118 216,116 22,642,002
160,381 22,802,383 216,116 22,586,267
159,986 22,746,253 216,116 22,530,137
159,588 22,689,726 216,116 22,473,610
159,188 22,632,798 216,116 22,416,682
158,785 22,575,467 216,116 22,359,351
158,379 22,517,730 216,116 22,301,614
157,970 22,459,583 216,116 22,243,468
157,558 22,401,025 216,116 22,184,910
157,143 22,342,053 216,116 22,125,937
156,725 22,282,662 216,116 22,066,546
156,305 22,222,851 216,116 22,006,735
155,881 22,162,616 216,116 21,946,500
155,454 22,101,955 216,116 21,885,839
155,025 22,040,864 216,116 21,824,748
154,592 21,979,340 216,116 21,763,224
154,156 21,917,380 216,116 21,701,264
153,717 21,854,981 216,116 21,638,866
153,275 21,792,141 216,116 21,576,025
152,830 21,728,855 216,116 21,512,739
152,382 21,665,121 216,116 21,449,005
151,930 21,600,936 216,116 21,384,820
151,476 21,536,296 216,116 21,320,180
151,018 21,471,198 216,116 21,255,082
150,557 21,405,639 216,116 21,189,523
150,092 21,339,615 216,116 21,123,499
149,625 21,273,124 216,116 21,057,008
149,154 21,206,162 216,116 20,990,046
148,679 21,138,726 216,116 20,922,610
148,202 21,070,812 216,116 20,854,696
147,721 21,002,417 216,116 20,786,301
147,236 20,933,537 216,116 20,717,421
146,748 20,864,170 216,116 20,648,054
146,257 20,794,311 216,116 20,578,195
145,762 20,723,957 216,116 20,507,841
145,264 20,653,105 216,116 20,436,989
144,762 20,581,751 216,116 20,365,635
144,257 20,509,892 216,116 20,293,776
143,748 20,437,524 216,116 20,221,408
143,235 20,364,643 216,116 20,148,527
142,719 20,291,246 216,116 20,075,130
142,199 20,217,329 216,116 20,001,213
141,675 20,142,888 216,116 19,926,772
141,148 20,067,920 216,116 19,851,804
140,617 19,992,421 216,116 19,776,305
140,082 19,916,387 216,116 19,700,272
139,544 19,839,815 216,116 19,623,699
139,001 19,762,700 216,116 19,546,585
138,455 19,685,040 216,116 19,468,924
137,905 19,606,829 216,116 19,390,713
137,351 19,528,064 216,116 19,311,948
136,793 19,448,741 216,116 19,232,625
136,231 19,368,856 216,116 19,152,740
135,665 19,288,405 216,116 19,072,289
135,095 19,207,385 216,116 18,991,269
134,521 19,125,790 216,116 18,909,675
133,944 19,043,618 216,116 18,827,502
133,361 18,960,864 216,116 18,744,748
132,775 18,877,523 216,116 18,661,407
132,185 18,793,592 216,116 18,577,476
131,590 18,709,067 216,116 18,492,951
130,992 18,623,943 216,116 18,407,827
130,389 18,538,216 216,116 18,322,100
129,782 18,451,881 216,116 18,235,765
129,170 18,364,935 216,116 18,148,819
128,554 18,277,374 216,116 18,061,258
127,934 18,189,192 216,116 17,973,076
127,309 18,100,385 216,116 17,884,269
126,680 18,010,949 216,116 17,794,834
126,047 17,920,880 216,116 17,704,764
125,409 17,830,173 216,116 17,614,057
124,766 17,738,824 216,116 17,522,708
124,119 17,646,827 216,116 17,430,711
123,468 17,554,179 216,116 17,338,063
122,811 17,460,874 216,116 17,244,758
122,150 17,366,908 216,116 17,150,793
121,485 17,272,277 216,116 17,056,161
120,814 17,176,976 216,116 16,960,860
120,139 17,080,999 216,116 16,864,884
119,460 16,984,343 216,116 16,768,227
118,775 16,887,002 216,116 16,670,886
118,085 16,788,972 216,116 16,572,856
117,391 16,690,247 216,116 16,474,131
116,692 16,590,823 216,116 16,374,707
115,988 16,490,695 916,116 15,574,579
110,320 15,684,899 216,116 15,468,783
109,571 15,578,353 216,116 15,362,237
108,816 15,471,053 216,116 15,254,937
108,056 15,362,993 216,116 15,146,877
107,290 15,254,168 216,116 15,038,052
106,520 15,144,571 216,116 14,928,456
105,743 15,034,199 216,116 14,818,083
104,961 14,923,044 216,116 14,706,928
104,174 14,811,103 216,116 14,594,987
103,381 14,698,368 216,116 14,482,252
102,583 14,584,835 216,116 14,368,719
101,778 14,470,497 216,116 14,254,381
100,969 14,355,350 216,116 14,139,234
100,153 14,239,387 216,116 14,023,271
99,332 14,122,602 216,116 13,906,487
98,504 14,004,991 216,116 13,788,875
97,671 13,886,546 216,116 13,670,430
96,832 13,767,263 216,116 13,551,147
95,987 13,647,134 216,116 13,431,018
95,136 13,526,154 216,116 13,310,039
94,279 13,404,318 216,116 13,188,202
93,416 13,281,619 216,116 13,065,503
92,547 13,158,050 216,116 12,941,934
91,672 13,033,606 916,116 12,117,490
85,832 12,203,323 216,116 11,987,207
84,909 12,072,116 216,116 11,856,000
83,980 11,939,980 216,116 11,723,864
83,044 11,806,908 216,116 11,590,792
82,101 11,672,894 216,116 11,456,778
81,152 11,537,930 216,116 11,321,814
80,196 11,402,011 216,116 11,185,895
79,233 11,265,128 216,116 11,049,012
78,264 11,127,276 216,116 10,911,160
77,287 10,988,448 216,116 10,772,332
76,304 10,848,636 216,116 10,632,520
75,314 10,707,834 216,116 10,491,718
74,316 10,566,034 216,116 10,349,918
73,312 10,423,230 216,116 10,207,114
72,300 10,279,415 216,116 10,063,299
71,282 10,134,580 216,116 9,918,464
70,256 9,988,720 216,116 9,772,604
69,223 9,841,827 216,116 9,625,711
68,182 9,693,893 216,116 9,477,777
67,134 9,544,912 216,116 9,328,796
66,079 9,394,875 216,116 9,178,759
65,016 9,243,775 216,116 9,027,659
63,946 9,091,605 216,116 8,875,489
62,868 8,938,357 1,216,116 7,722,241
54,699 7,776,941 216,116 7,560,825
53,556 7,614,381 216,116 7,398,265
52,404 7,450,669 216,116 7,234,553
51,245 7,285,798 216,116 7,069,682
50,077 7,119,759 216,116 6,903,643
48,901 6,952,544 216,116 6,736,428
47,716 6,784,144 216,116 6,568,029
46,524 6,614,552 216,116 6,398,436
45,322 6,443,759 216,116 6,227,643
44,112 6,271,755 216,116 6,055,639
42,894 6,098,533 216,116 5,882,418
41,667 5,924,085 216,116 5,707,969
40,431 5,748,400 216,116 5,532,284
39,187 5,571,471 216,116 5,355,355
37,934 5,393,289 216,116 5,177,173
36,672 5,213,845 216,116 4,997,729
35,401 5,033,130 216,116 4,817,014
34,121 4,851,134 216,116 4,635,019
32,831 4,667,850 216,116 4,451,734
31,533 4,483,267 216,116 4,267,151
30,226 4,297,377 216,116 4,081,261
28,909 4,110,170 216,116 3,894,054
27,583 3,921,637 216,116 3,705,521
26,247 3,731,769 1,253,936 2,477,833
17,551 2,495,384 216,116 2,279,268
16,145 2,295,413 216,116 2,079,297
14,728 2,094,025 216,116 1,877,910
13,302 1,891,211 216,116 1,675,096
11,865 1,686,961 216,116 1,470,845
10,418 1,481,263 216,116 1,265,148
8,961 1,274,109 216,116 1,057,993
7,494 1,065,487 216,116 849,371
6,016 855,388 216,116 639,272
4,528 643,800 216,116 427,684
3,029 430,714 216,116 214,598
1,520 216,118 216,116 2
 Retirement Planning of Rajat & Tania-Idle Scenario
Current Age 35
Retirement Age 60
Time in Retirement 25
Life expectancy age 92
Time period after retirement 32
Expenses after retirement (Current terms) 48,000
Expenses after retirement (Retirement age) 260,517
Inflation 7%
Debt Mutual Fund Return 5.60%
Real Rate of interest -1.31%
Corpus Required 124,184,774
EPF Contribution per year 403,200
Annual Increment(Average) 7%
Rate of Interest 8%
Real rate of return -1%
EPF Corpus at retirement 102,013,508
Flexi Cap Fund
Amoun to be invested for 20
Step up 10%
Amount invested 11,738
Rate of interest 11.7%
Real rate of interest 1.5%

Flexi Cap Corpus 22,171,266

Total fund accumulated 124,184,774

-
 Retirement Planning of Rajat & Tania-Life expectancy increase by 3 yea
→→→→→→→→→→→ Current Age
Retirement Age
Time in Retirement
Life expectancy age
Time period after retirement
Expenses after retirement (Current terms)
Expenses after retirement (Retirement age)
Inflation
Debt Mutual Fund Return
Real Rate of interest
Corpus Required
EPF Contribution per year
Annual Increment
Rate of Interest
Real rate of return
EPF Corpus at retirement

Amoun to be invested for

Step up
Amount invested
Rate of interest
Real rate of interest

Flexi Cap Corpus

Total fund accumulated

ectancy increase by 3 years Retirement Planning of Rajat & Tania-post tax retur
35 →→→→→→→→→→→ Current Age
60 Retirement Age
25 Time in Retirement
95 Life expectancy age
35 Time period after retirement
48,000 Expenses after retirement (Current terms)
260,517 Expenses after retirement (Retirement age)
7% Inflation
5.60% Debt Mutual Fund Return
-1.31% Real Rate of interest
138,719,004 Corpus Required
403,200 EPF Contribution per year
7% Annual Increment
8% Rate of Interest
-1% Real rate of return
102,013,508 EPF Corpus at retirement

20 Amoun to be invested for

10% Step up
19,432 Amount invested
11.7% Rate of interest
1.5% Real rate of interest

36,705,496 Flexi Cap Corpus

138,719,004 Total fund accumulated

-
ania-post tax return @ 10.8% Retirement Planning of Rajat & Tania-Inflati
35 →→→→→→→→→→→ Current Age
60 Retirement Age
25 Time in Retirement
92 Life expectancy age
32 Time period after retirement
48,000 Expenses after retirement (Current terms)
260,517 Expenses after retirement (Retirement age)
7% Inflation
5.60% Debt Mutual Fund Return
-1.31% Real Rate of interest
124,184,774 Corpus Required
403,200 EPF Contribution per year
7% Annual Increment
8% Rate of Interest
-1% Real rate of return
102,013,508 EPF Corpus at retirement

20 Amoun to be invested for

10% Step up
12,760 Amount invested
10.8% Rate of interest
0.7% Real rate of interest

22,171,266 Flexi Cap Corpus

124,184,774 Total fund accumulated

-
 Particular
jat & Tania-Inflation @ 8%
35 →→→→→→→→→→ Idle Situation
60 Life expectancy increase
25 Post Tax return is 10.8%
92 Inflation is 8%
32
48,000
328,727
8%
5.60%
-2.22%
183,845,035
403,200
7%
8%
-1%
102,013,508

20
10%
43,323
11.7%
1.5%

81,831,527

183,845,035
-
 Corpus
Inflation
Life expectancy Return Rate SIP required Required (Rs in
Rate
Cr)
92 11.7% 7% 11,738 ₹ 12.42
95 11.7% 7% 19,432 ₹ 13.87
92 10.8% 7% 12,760 ₹ 12.42
92 11.7% 8% 43,323 ₹ 18.38
After Retirement Need Amount Nature

House Hold Expenses 260,517 Monthly

Domestic Vacation 736,494 Annually

Foreign vacation 388,606 Annually

Residential House Property 27,005,983 One time

 Every
Funds
year Taken Care by Balance
Required
incement
Retirement Copus 41,202,134
7% 142,733,397
EPF Fund 102,013,508
10% 11,690,389 Liquid Fund 11,690,389
10% 1,024,435 Hybrid Fund 1,024,435
Home Loan 23,281,020
10% 27,005,983
Saving Bank 3,724,963
 Long term Care fund & Medical expenses
Long term Care fund 2,000,000
Inflation 6%
Time to start 5 years
Future Value 2,209,244.25
Large Cap fund return 10.80%
Step Up 10%
Real Rate 1%
PV of Fund 792,221
PMT ₹ 13,441
No of years SIP 5 years
 Tania Income from Coaching Institute
Hours in day 2
No of hours in a month taught 12
No of Kids 10
Fees per hour ( in current terms) 100
Fees per month collected 24,000
Annual Income ( in today term) 288,000
Inflation 7%
Annual Income ( after 25 years) 1,914,865
After tax Income 1,340,406
% share of last salary income 30%
Tax Statement ( Old Regime)

Old Taxation Regime Rajat Tania

Income from Salary
Basic Salary 1,080,000 600,000
HRA 432,000 150,000
Special Allowance 518,400 378,000
Employers EPF contribution
(Exempt us/10) 129,600 72,000
Less: Standard deduction 50,000 50,000
Less:HRA Exemption 252,000 -
Less:Professional Tax 2,400 2,400

Income from House property

Rental Income 72,000 72,000
Less:deduction u/s 24(a) 21,600 21,600
Less:deduction u/s 24(b) 185,574 185,574

Income from other sources

Saving Bank interest 88,638 72,138

Gross Salay 1,679,464 1,012,564

Deduction u/s Chapter VIA

80C
EPF contribution 129,600 72,000
Hosuing Loan payment 48,738 48,738
ELSS Investment - 60,000
Sukanya Samridhi Scheme 100,000 100,000
278,338 280,738
Max deduction allowed 150,000 150,000
80D 25,000 -
80G 5,000
80TTA 10,000 10,000
Net Taxable income 1,494,464 847,564
Tax liability
2,50,000-5,00,000 (5%) 12,500 12,500
5,00,000-10,00,000 (20%) 100,000 69,513
10,00,000-15,00,000 (30%) 148,339 -
Total 260,839 82,013
Health & Education Cess @ 4% 10,434 3,281
Total Tax Payable 271,273 85,293
Tax Statement ( New Regime)

New Taxation Regime Rajat Tania

Income from Salary
Basic Salary 1,080,000 600,000
HRA 432,000 150,000
Special Allowance 518,400 378,000
Employers EPF contribution
(Exempt us/10) 129,600 72,000
Less: Standard deduction 50,000 50,000

Income from House property

Rental Income 72,000 72,000
Less:deduction u/s 24(a) 21,600 21,600
Less:deduction u/s 24(b) 50,400 50,400

Income from other sources

Saving Bank interest 88,638 72,138

Gross Salay 2,069,038 1,150,138

Net Taxable income 2,069,038 1,150,138

Tax liability
3,00,000-6,00,000 (5%) 15,000 15,000
6,00,000-9,00,000 (10%) 30,000 30,000
9,00,000-12,00,000 (15%) 45,000 37,521
12,00,000-15,00,000 (20%) 60,000
>15,00,000 (30%) 170,711
Total 320,711 82,521
Health & Education Cess @ 4% 12,828 3,301
Total Tax Payable 333,540 85,821
Calculation of Inhand salary

Old Taxation Regime Rajat Tania

Basic Salary 1,080,000 600,000

HRA 432,000 150,000
Special Allowance 518,400 378,000

Gross salary 2,030,400 1,128,000

PF deduction 129,600 72,000

Tax Deduction 271,273 85,293
Professional tax 2,400 2,400
Net Salary 1,627,127 968,307

Monthly Salary 135,594 80,692

 Total

1,680,000
582,000
896,400

3,158,400

201,600
356,566
4,800
###

216,286
Human Life Value Calculation( Income replacement method)
Income replacement method)
Age
Retirement Age
Life Expectancy
Investment Rate
Salary Growth
Real Rate of return
Net Salary
Less: house hold expenses share(50%)
Less: Insurance Premium
Net Contribution to family
Insurance Cover required
Existing Cover
Insurance Cover required
Round off (In Cr)
t method)
Rajat Tania
35 33
60 58
85 90
8% 8%
6% 6%
0.02 0.02
1,627,127 968,307
360,000 360,000
15,000 -
1,252,127 608,307
25,241,312 12,262,699
10,500,000 500,000
14,741,312 11,762,699
1.50 1.20
Statement showing treatment of Enownment policy
Particulars Continue the policy Paid up
Annual Premium 150,000 150,000
Premium paid 3 3
Total Amount paid 450,000 450,000
Surrender value
Investment in large cap 11%
Amoun to be received on maturity 2,000,000 450,000
IRR 5.17% 5.75%
Surrender value
150,000
3
450,000
135,000
11%
276,766
4.19%
 1
a)
b)
c)
d)
2
a)
b)
c)
d)
3
a)
b)
c)
d)
4
a)
b)
c)
d)
5
a)
b)
c)
d)
e)
6
a)
b)
7
a)
b)
c)
d)
8
a)
b)
c)
d)
9
a)
b)
c)
d)
e)
10
a)
b)
c)
d)
 Questions

What is your age group

20 to 30
30 to 45
45-60
>60
What % of your monthly income you save?
<5%
5 to 10%
10 to 20%
>20%
How many number of dependents you have?
1
2
3
>3
In which of the following options you have made highest investment till date?
Liquid funds,FD, PPF, Home Loan
Debt mutual fund,Bonds
Shares, equity oriented funds
Alternate investments
The following statement best describes my knowledge of investments
Unaware: I don't understand investment terminology at all
Aware: I am somewhat familiar with basic investment concepts
Beginner: I am familiar with investment concepts but rely on advice for my investments
Intermediate: I invest in different investment options like MFs, ULIPs, FDs etc. on my own
Expert: I trade shares actively in the secondary market.
If I have the following choices, I would choose:
Stable Corporate Job with Low Growth Opportunity
Less Secured Startup Job with Very High Growth Opportunity in future
If your investment makes 10% losses next year, will you?
Sell you investments & put the proceeds in FD
Sell some investments & continue to hold the rest
Do nothing as investment horizon is long
Take advantage of correction & invest some more money
What factor is more important for you while chosing a invetsment
High potential return
Regular income & capital appreciation
Regular income
Preservation of capital
I generally think of investment for?
Regular income and emergency
Vacation and enjoyment
Growth in my portfolio
Purchase of home
Retirement
You have inherited a sizeable amount recently. How would you invest the same?
Invest Entirely in equities
Invest 50% into equities and rest into fixed income
Invest entirely into fixed income
Deposit it in bank or invest in liquid funds
 Rajat Tania
Total Score
Response Score Response Score
Score
0-10
XXXX 3 XXXX 3 10-20
5
20-30
30-40
40-50

5
XXXX 2 XXXX 2

XXXX 4 XXXX 4
5

XXXX 2 XXXX 2
5

5 XXXX 3 XXXX 3

XXXX 3
5
XXXX 4

5
XXXX 4 XXXX 4

XXXX 5 XXXX 5
5

5 XXXX 4 XXXX 4
 XXXX 3 XXXX 3
5

50 34 33
 Possible Asset Allocation
Investor Personality Debt Equity
Conservative >=100% <=0%
Moderately Conservative >=80% <=20%
Moderate >=60% <=40%
Moderatley Aggressive >=40% <=60%
Aggressive >=20% <=80%
`