Sample Financial Plan _ Bachatkhata.com

8/12/2019 Sample Financial Plan _ Bachatkhata.com

1/13


2/13

Sample Financial Plan | bachatkhata.com

http://www.bachatkhata.com/2011/04/sample-financial-plan.html[23-06-2014 07:58:47]

2) Mr. ABC does not have a kid now. He plans to have a kid 3 years from now. But Mr. ABC wants to start investing for the kids education (PG Course) and marriage right now itself. Mr. ABC wants to start building an education fund for the childs PG Course which will cost Rs 15 lacs at todays costs.

3) Mr. ABC want to start building a marriage fund for the childs marr iage which will cost Rs 12 lacs at todays costs.

4) Mr. ABC wants to enjoy an annual vacation with family for which he plans to have an annual fund of Rs 50,000

5) Mr. ABC wants to have a retirement fund of Rs 2 crores when he retires.

Solution Mr. ABC has been suggested the following Financial Plan to help him meet his Financial Goals

Step 1: Emergency / Contingency Fund As a first step towards financial planning Mr. ABC is required to build an emergency / contingency fund for any emergencies like job change or job loss or loss of income due to any other reason. The reserve fund should be 3 to 6 times of monthly income. So in case of Mr. ABC this fund should be Rs 2,40,000 (Rs 80,000 X 3) to 4,80,000 (Rs 80,000 X 6). Mr. ABC is advised to have a reserve fund of Rs 3,00,000. He already has cash balance of Rs 1,08,000 in his bank savings account and gold worth Rs 2 Lakhs. He can accumulate the remaining amount and invest this amount in a Flexi Deposit Account (Fixed Deposit cum Savings Account). These bank accounts provide liquidity (customer can withdraw entire money or partial withdrawal anytime) of a savings account and till the time the money is with the bank, they provide high returns of a fixed deposit. Nowadays all banks have a Flexi Deposit product which acts as a Fixed Deposit cum Savings Account. Some of the banks providing this product are:

IDBI Bank Sweep-in Savings AccountAxis Bank Encash 24Union Bank Union Flexi DepositHDFC Bank Super Saver FacilityBank of India BOI Savings Plus SchemeOriental Bank of Commerce Flexi Fixed Deposit Scheme

State Bank of India Multi Option Deposit SchemeAllahabad Bank Flexi-Fix DepositBank of Maharashtra Mixie Deposit SchemeCorporation Bank Money FlexUnited Bank of India United Bonanza Savings Scheme

Step 2: Insurance As a 2nd step towards financial planning Mr. ABC should ensure that he has adequate life insurance cover for himself and his wife and health insurance for both of them. Mr. ABC is 29 years old today. He and his wife have a working life span of 31 years ahead of them. In these 31 years if their annual net income of Rs 9,60,000 (Rs 80,000 X 12) goes on increasing by 5% then the total amount that they will earn in these 31 years will be equal to Rs 6,79,30,358 (Rs 6.80 crores approx). Hence Mr. ABC and wife are advised to take Life Insurance cover of atleast Rs 1 crore each.

Age Year Annual Income at the beginning of the YearAnnual Growth

Annual Income at End of the Year

Total Income of all Years in Lakhs

30 2011 0 0% 960000 9.6035 2016 1166886 5% 1225230.3 65.3040 2021 1489275.087 5% 1563738.842 136.3945 2026 1900734.335 5% 1995771.052 227.1150 2031 2425872.188 5% 2547165.797 342.9055 2036 3096095.946 5% 3250900.743 490.6960 2041 3951490.172 5% 4149064.68 679.30
http://www.bachatkhata.com/2009/08/life-insurance.htmlhttp://www.bachatkhata.com/2009/08/life-insurance.html


3/13



PJ Total Income Growth Sample Financial Plan

Term Insurance: Mr. ABC already has term insurance worth Rs 58 Lacs. He can go for an additional term insurance cover of Rs 50,00,000. He can convert the Endowment Policy into a paid up policy. He is also advised to buy a term policy of 1 crore for his spouse. For a Term Policy of Rs 50 Lacs for 25 years the annual premium for Mr. ABC (29 Years) will be in the range of Rs 5500 to Rs 6500. Some of the plans that Mr. ABC can choose from are

Name of the Plan Annual Premium

MetLife MetProtect Plan Rs 5150Aegon Religare iTerm Plan Rs 5250ICICI Prudential iProtect Plan Rs 5350Kotak ePreferred Term Plan Rs 5763

* The above premiums have been calculated from the respective company website. In case of the 1 st three plans the premiums are exclusive of service tax whereas in case of Kotak ePreferred Term Plan the website does not specify whether the premium is inclusive or exclusive of service tax. A term plan of Rs 1 crore for Mr. ABCs spouse for 25 years will cost Rs 10,000 or so per annum.

Health Insurance Mr. ABC is advised to go for a Family Floater Plan for a cover of Rs 3,00,000 to start with and in the later stages this cover can be increased to Rs 5,00,000 or more. Mr. ABC can choose from the below 2 plans:

a) Apollo Munich Easy Health Plan (Standard): For a Family Floater cover of Rs 3,00,000 for 2 adults the premium is Rs 4924 (inclusive of service tax). Maternity benefit is available in Exclusive variant and after a waiting period of 4 years. Under the Apollo Munich Easy Health Plan (Exclusive) the premium for Rs 4,00,000 cover is Rs 7280 (inclusive of service tax).

b) Max Bupa HeartBeat Silver: For a Family Floater cover of Rs 3,00,000 for 2 adults the premium is Rs 7193 (inclusive of service tax).

Both the companies offer life long renewal and also there is no loading in case of claims. The difference is Apollo Munich follows an age slab-wise method of charging premium. So as long as the person is in a particular age slab the premium remains same and when the person moves from one age slab to another age slab the premium increases as per the new age slab. The premiums for all age slabs are put upfront by Apollo Munich on their brochures and on their website in writing. Max Bupa does not follow the age slab method of premium. They increase the premium every year on renewal. But how much will they increase the premium every year on renewal is not specified.

Step 3: Child Education Fund Mr. ABC plans to have a kid 2 years from now but he plans to start saving for the kids education (PG Course) from now itself. If the kid is planned 2 years from now the money for the kids PG Course will be required 22 years from now when the kid turns 20 years old. Mr. ABC wants to build a Child Education Fund at todays costs of Rs 15 lacs. If the course costs Rs 15 lacs today and education costs increase at the rate of 10% every year (inflation) the same course will cost a whopping Rs 1.22 crores (Rs 1,22,10,412) 22 years from now in the year 2032.

If Mr. ABC wants to accumulate Rs 1.22 crores in 22 years (Year 2032) from now he will have to start with an investment of Rs. 83,176 (Rs 6,931 monthly) in the 1 st year from the Year 2011 beginning and go on increasing the annual investment amount by 5% every year (compounded) with the 5% increase in his annual income. The annual return expected is 12%.
http://www.bachatkhata.com/2011/04/sample-financial-plan.html/pj_total_income_growthhttp://www.bachatkhata.com/2011/04/sample-financial-plan.html/pj_total_income_growth


4/13



Annual Investment Plan Growing @ 5% pa (Compounded)

Year Sr. No. Year

Balance C/F from Previous Year

Annual Investment during Year

Total Fund Value at the end of the Year (12% return)

1 2011 0.00 83176.74 93157.952 2012 93157.95 87335.58 202152.753 2013 202152.75 91702.36 329117.724 2014 329117.72 96287.47 476453.815 2015 476453.81 101101.85 646862.346 2016 646862.34 106156.94 843381.597 2017 843381.59 111464.79 1069427.958 2018 1069427.95 117038.03 1328841.899 2019 1328841.89 122889.93 1625939.6310 2020 1625939.63 129034.42 1965570.9411 2021 1965570.94 135486.14 2353183.9412 2022 2353183.94 142260.45 2794897.7213 2023 2794897.72 149373.47 3297583.7414 2024 3297583.74 156842.15 3868956.9915 2025 3868956.99 164684.26 4517678.2016 2026 4517678.20 172918.47 5253468.2717 2027 5253468.27 181564.39 6087236.5818 2028 6087236.58 190642.61 7031224.6919 2029 7031224.69 200174.74 8099167.37

20 2030 8099167.37 210183.48 9306472.9521 2031 9306472.95 220692.65 10670425.4722 2032 10670425.47 231727.29 12210411.09

PJ Child Education Fund Sample Financial Plan

Step 4: Child Marriage Fund Mr. ABC plans to get his child married when he / she turns 23 years old. Mr. ABC plans to start saving and investing for the kids marriage from now itself. The marriage is planned in the year 2035. According to Mr. ABC a normal wedding as on today costs Rs. 12 lacs and wants to start investing accordingly. If the marriage costs Rs. 12 lacs as on today and if the marriage costs go on increasing at the rate of 10% (inflation) every year then the same marriage 25 years down the line will cost a staggering Rs. 1.30 crores (Rs 1,30,01,647.13).

If Mr. ABC wants to accumulate Rs 1.30 crores in 25 years (2035) from now he will have to start with an investment of Rs 59690 (Rs 4974 monthly) in the 1 st year from the year 2011 beginning and go on
http://www.bachatkhata.com/2011/04/sample-financial-plan.html/pj_child_education_fundhttp://www.bachatkhata.com/2011/04/sample-financial-plan.html/pj_child_education_fund


5/13



increasing this investment by 5% every year (compounded). The annual return on investment expected is 12%.

Annual Investment Plan Growing @ 5% pa (Compounded)Year Sr. No. Year



Total Fund Value at the end of the Year

1 2011 0.00 59690.00 66852.802 2012 66852.80 62674.50 145070.583 2013 145070.58 65808.23 236184.264 2014 236184.26 69098.64 341916.845 2015 341916.84 72553.57 464206.866 2016 464206.86 76181.25 605234.687 2017 605234.68 79990.31 767451.988 2018 767451.98 83989.82 953614.829 2019 953614.82 88189.32 1166820.6410 2020 1166820.64 92598.78 1410549.7511 2021 1410549.75 97228.72 1688711.8912 2022 1688711.89 102090.16 2005698.2913 2023 2005698.29 107194.66 2366440.1014 2024 2366440.10 112554.40 2776473.8415 2025 2776473.84 118182.12 3242014.6716 2026 3242014.67 124091.22 3770038.6017 2027 3770038.60 130295.78 4368374.5218 2028 4368374.52 136810.57 5045807.3019 2029 5045807.30 143651.10 5812193.4120 2030 5812193.41 150833.66 6678590.3221 2031 6678590.32 158375.34 7657401.5322 2032 7657401.53 166294.11 8762539.1223 2033 8762539.12 174608.81 10009605.6824 2034 10009605.68 183339.25 11416098.3325 2035 11416098.33 192506.22 13001637.09

PJ Child Marriage Fund Sample Financial Plan

Step 5 Others Here in this section Mr. ABC primarily has to take care of 3 things
http://www.bachatkhata.com/2011/04/sample-financial-plan.html/pj_child_marriage_fundhttp://www.bachatkhata.com/2011/04/sample-financial-plan.html/pj_child_marriage_fund


6/13



Annual Child School ExpensesHome Loan Margin Fund Annual Vacation Fund

Here is the plan for each of the above 3

a) Annual Child School Expenses: Mr. ABC expects to have a baby 2 years from now in 2013. In 2015 when the baby turns 3 years old it is expected to start going to school in Pre-Nursery. The annual education cost assumed is Rs 50,000 which is expected to go on increasing by 5% every year. Mr. ABC will have to fund this cost every year from his annual salary cash flows.

Year Child Age School Standard Child School Expenses2011 - - 0.00

2012 - - 0.002013 1 Year - 0.002014 2 Years - 0.002015 3 Years Pre-School 50000.002016 4 Years KG 52500.002017 5 Years KG 55125.002018 6 Years 1st Standard 57881.252019 7 Years 2nd Standard 60775.312020 8 Years 3rd Standard 63814.082021 9 Years 4th Standard 67004.782022 10 Years 5 th Standard 70355.022023 11 Years 6 th Standard 73872.772024 12 Years 7 th Standard 77566.412025 13 Years 8 th Standard 81444.732026 14 Years 9 th Standard 85516.972027 15 Years 10 th Standard 89792.822028 16 Years 11 th Standard 94282.462029 17 Years 12 th Standard 98996.582030 18 Years 1st Year College 103946.412031 19 Years 2nd Year College 109143.732032 20 Years 3rd Year College 114600.92

b) Home Loan Margin Fund: Mr. ABC wants to buy a home valued at Rs 45 Lakhs. For this he will have to make a down payment of 20% margin money which will be around Rs 10 Lacs. From his annual salary cash flow Mr. ABC has to take care of things like his annual living expenses, annual house rent, annual vacation fund, annual insurance premiums (life and health) and at the same time he wants to get started with his investments for child education, child marriage and his retirement. After providing for all the above and the contingency reserve fund; whatever is left Mr. ABC can put in a Home Loan Margin Fund.

On analysing Mr. ABC cash flows and all his expenses and investments we realise that Mr. ABC will take 5 years to build the Home Loan Margin Fund of Rs 10 Lacs. At the end of the 5 th year this fund will have a balance of Rs 10,83,494. Mr. ABC can make the 20% down payment and finance the remaining amount through a home loan. Assuming that Mr. ABC will go for a home loan of 35 lacs @ 10% interest for 20 Years; the EMI will work out to Rs 33,496 which will lead to an annual cash outflow of Rs 4,01,952 which Mr. ABC will be able to fund from his annual salary cash flow.

c) Annual Vacation Fund Mr. ABC wants to go for a vacation every year with his family for which he wants to set aside Rs 50,000 every year. We have assumed that the vacation cost will go on increasing by 5% every year. Mr. ABC can finance his annual vacation from his annual salary cash flows. His vacation fund over the years will look like this

Mr. ABCs Age Year Vacation Cost29 2011 50000.0030 2012 52500.0031 2013 55125.00


7/13



32 2014 57881.2533 2015 60775.3134 2016 0.0035 2017 67004.0036 2018 0.0037 2019 73872.0038 2020 77565.6039 2021 81443.8840 2022 85516.0741 2023 89791.8842 2024 94281.4743 2025 98995.5544 2026 103945.3245 2027 109142.5946 2028 114599.7247 2029 120329.7048 2030 126346.1949 2031 132663.5050 2032 139296.6751 2033 146261.5152 2034 153574.5853 2035 161253.3154 2036 169315.98

55 2037 177781.7856 2038 186670.8657 2039 196004.4158 2040 205804.6359 2041 216094.8660 2042 226899.60

In the year 2016 there is no provision made for a vacation as in this year Mr. ABC will be going in for a home loan and the EMI on that will considerably increase his monthly financial outgo and spending money on a vacation in that year will put lot of pressure on his finances. So Mr. ABC can skip the annual vacation in 2016 and in 2018.

In 2018 also if Mr. ABC chooses to go for a vacation his emergency / contingency fund will fall considerably. So it will be better for Mr. ABC to skip the annual vacation in 2018.

We have not provided for vacation post the age of 60 but if Mr. ABC desires to continue with the annual vacations he can do so as he will have sufficiently cash to continue with annual vacations for the next few years post retirement.

Step 6: Retirement Fund The current monthly expenses of Mr. ABC are Rs 15000. The annual expenses are Rs 1,80,000. The annual expenses are expected to grow at the rate of 7% (inflation) every year. At this rate by the time Mr. ABC retires 31 years down the line; his annual expenses in the 60 th year (retirement year) will increase to Rs 14,66,120.

Post retirement Mr. ABC is expected to live for another 20 years (life expectancy 80 years). During these 20 years (post retirement) if his annual expenses increase by 5% every year (with expenses at Rs 14.66 lacs in the retirement year) then the present value of Mr. ABC expenses at the beginning of his retirement will be Rs 2,27,34,528 (Rs 2.27 crores). This is the retirement corpus (Rs 2.27 crores) that Mr. ABC needs to sustain his expenses during his retirement years when his annual salary income will stop. During the retirement years Mr. ABC can invest the corpus of Rs 2.27 crore in debt instruments which can give him an annual return of 8%. By the time Mr. ABC turns 80 years old this fund will get exhausted.

To achieve the retirement corpus of Rs 2.27 crores by the age of 60 years, Mr. ABC will have to start with an investment of Rs 48,968 (Rs 4080 monthly) in the 1 st year from the year 2011 beginning and go on increasing this investment by 5% every year (compounded). The annual return on investment expected is 12%.

Annual Investment Plan Growing @ 5% pa (Compounded)Year Sr. No. Year



Total Fund Value at the end of the Year

1 2011 0.00 48968.00 54844.16


8/13



2 2012 54844.16 51416.40 119011.833 2013 119011.83 53987.22 193758.934 2014 193758.93 56686.58 280498.985 2015 280498.98 59520.91 380822.276 2016 380822.27 62496.96 496517.537 2017 496517.53 65621.80 629596.068 2018 629596.06 68902.89 782318.839 2019 782318.83 72348.04 957226.8910 2020 957226.89 75965.44 1157175.4111 2021 1157175.41 79763.71 1385371.8112 2022 1385371.81 83751.90 1645418.5613 2023 1645418.56 87939.49 1941361.0214 2024 1941361.02 92336.47 2277741.1815 2025 2277741.18 96953.29 2659657.8116 2026 2659657.81 101800.96 3092833.8117 2027 3092833.81 106891.00 3583691.8018 2028 3583691.80 112235.55 4139438.6319 2029 4139438.63 117847.33 4768160.2820 2030 4768160.28 123739.70 5478927.9721 2031 5478927.97 129926.68 6281917.2122 2032 6281917.21 136423.02 7188541.0523 2033 7188541.05 143244.17 8211599.4524 2034 8211599.45 150406.38 9365446.52

25 2035 9365446.52 157926.69 10666178.0026 2036 10666178.00 165823.03 12131841.1527 2037 12131841.15 174114.18 13782669.9728 2038 13782669.97 182819.89 15641348.6529 2039 15641348.65 191960.88 17733306.6730 2040 17733306.67 201558.93 20087049.4831 2041 20087049.48 211636.87 22734528.71

PJ Retirement Fund Sample Financial Plan

The below chart gives details of all the investments and expenses of Mr ABC. In short the chart gives a complete snapshot of Mr. ABCs Financial Planning which we have discussed above in the entire article.
http://www.bachatkhata.com/2011/04/sample-financial-plan.html/pj_retirement_fundhttp://www.bachatkhata.com/2011/04/sample-financial-plan.html/pj_retirement_fund


9/13



Comprehensive Financial Plan Sample Financial Plan

For any comments on the above article please comment in the below comments section or write to us [email protected]

No related posts.

{ 7 comments read them below or add one }

Anand Rithi July 26, 2012 at 5:06 am

Dear Sir,

Please give the article for Salary amount of 10,000 to 15,000 salary slab

Reply

Gopal Gidwani July 29, 2012 at 1:22 pm

Hello Mr Anand, It will be difficult to give a financial plan for different salary slabs. But you can write to me at [email protected] with your financial goals and I will help you.

Reply
http://www.bachatkhata.com/2011/04/sample-financial-plan.html/comprehensive_financial_planmailto:[email protected]://www.bachatkhata.com/2011/04/sample-financial-plan.html?replytocom=1965#respondhttp://www.bachatkhata.com/http://www.bachatkhata.com/mailto:[email protected]://www.bachatkhata.com/2011/04/sample-financial-plan.html?replytocom=1988#respondhttp://www.bachatkhata.com/2011/04/sample-financial-plan.html?replytocom=1988#respondmailto:[email protected]://www.bachatkhata.com/http://www.bachatkhata.com/http://www.bachatkhata.com/2011/04/sample-financial-plan.html?replytocom=1965#respondmailto:[email protected]://www.bachatkhata.com/2011/04/sample-financial-plan.html/comprehensive_financial_plan


10/13



SATYA SURI August 16, 2012 at 7:24 am

Dear Gopal jee,

I am looking for a comprehensive Health Insurance for my family. My age is 37, wifes age is 36, son is 15 and daughter is 8 years.

I had seleced Max Bupa.. But CONFUSED about HEARTBEAT and FAMILY FIRST ?? and difference between SILVER & GOLD option.

Can you advise me upon that or some other good and best product avaliable..

Thanks & Regards Satya

Reply

Gopal Gidwani August 20, 2012 at 11:53 am

Hello Mr. Satya, I am not an expert in health insurance and it will not be right on my part to comment on health insurance policies. I suggest you get in touch with some health insurance expert like MediManage. They will be the right people to guide you on health insurance

Reply

shina afzal December 6, 2012 at 1:45 pm

hi sir, i need your help for making a comprehensive financial plan i m even ready to pay for it.. if you can help me by tommorows morning also it is for Australian fiancial planning

Reply

Eshwar July 30, 2013 at 11:01 am

You have outlined a perfect plan for all stages of life. I am more interested in the investment tools that you outlined a 12% return for Child Education Fund, Child Marriage Fund, Retirement Fund. It will help to know different investment avenues to proceed with securing a planned life.

Reply

Gopal Gidwani September 25, 2013 at 4:15 pm

Hello Eshwar, You can earn average annual 12% 15% returns through investment in diversified equity mutual funds over long term investment tenure of 10-15 years or more. To know more about mutual fund investments you may check the below articlehttp://www.bachatkhata.com/2012/03/investing-in-mutual-funds.html

I have taken average returns of 12% on the investment portfolio which includes a mix of diversified equity mutual funds and debt products like PPF, NSC, Bank FDs etc. Products like PPF have the potential to give tax free returns of 8% or so.

Reply

Leave a Comment

Name *
http://www.bachatkhata.com/2011/04/sample-financial-plan.html?replytocom=2013#respondhttp://www.bachatkhata.com/http://www.bachatkhata.com/http://www.bachatkhata.com/2011/04/sample-financial-plan.html?replytocom=2026#respondhttp://www.bachatkhata.com/2011/04/sample-financial-plan.html?replytocom=2438#respondhttp://www.bachatkhata.com/2011/04/sample-financial-plan.html?replytocom=3450#respondhttp://www.bachatkhata.com/http://www.bachatkhata.com/http://www.bachatkhata.com/2012/03/investing-in-mutual-funds.htmlhttp://www.bachatkhata.com/2011/04/sample-financial-plan.html?replytocom=3720#respondhttp://www.bachatkhata.com/2011/04/sample-financial-plan.html?replytocom=3720#respondhttp://www.bachatkhata.com/2012/03/investing-in-mutual-funds.htmlhttp://www.bachatkhata.com/http://www.bachatkhata.com/http://www.bachatkhata.com/2011/04/sample-financial-plan.html?replytocom=3450#respondhttp://www.bachatkhata.com/2011/04/sample-financial-plan.html?replytocom=2438#respondhttp://www.bachatkhata.com/2011/04/sample-financial-plan.html?replytocom=2026#respondhttp://www.bachatkhata.com/http://www.bachatkhata.com/http://www.bachatkhata.com/2011/04/sample-financial-plan.html?replytocom=2013#respond


11/13



E-mail *

Website

Notify me of followup comments via e-mail

Subscribe me to your mailing list

Previous post: Claim Settlement Ratio for Life Insurance Companies (2009-2010)

Next post: Investing in Silver E-Silver

Get articles in your Inbox

Email ID

Search Articles

Recent Posts

Claim Settlement Ratio for Life Insurance Companies for 2012-13Claim Settlement Ratio for Life Insurance Companies for 2011-12Succession Planning: Making a WILL

News Updates

QuickBooks From Intuitquickbooks.in

Intuit QuickBooks is now in India. A Must Software for SMEs. Try Free!

Top CFP College in India

Pension Calculator

Financial Consultancy

Submit

Submit

To search, type and hit enter
http://www.bachatkhata.com/2011/03/claim-settlement-ratio-for-life-insurance-companies-2009-2010.htmlhttp://www.bachatkhata.com/2011/06/investing-in-silver-%e2%80%93-e-silver.htmlhttp://www.bachatkhata.com/2014/05/claim-settlement-ratio-for-life-insurance-companies-for-2012-13.htmlhttp://www.bachatkhata.com/2013/01/claim-settlement-ratio-for-life-insurance-companies-for-2011-12.htmlhttp://www.bachatkhata.com/2012/09/succession-planning-making-a-will.htmlhttp://www.bachatkhata.com/2012/08/news-updates.htmlhttp://googleads.g.doubleclick.net/aclk?sa=l&ai=CsP2wYJCnU4jdI5etugT2qYDgDvmLm-UE0Yuo47ABwI23ARABIMO6_hAoBFCfpPKLA2Dl0uaDvA6gAae98NcDyAEBqAMByAPDBKoEoAFP0HWJB7h1tCjcLKuUdnr_H93suLNere-YEuNP_bQZJdDhMjLVYjFoeh3bvH4jGvn2da4vBcVz_Vd8WNwQBYBMhZw990vg2-LXt1h23uEKh8kVkBR9gu4s8ne3KIre29MRVGrIB649wrahXEOkj0-RhB8SJAd8vdGOTJE1Sw5VKsnLq5VTXTWzM1oIceHDO5_quOTbfcvrdC03wDwIYDoEgAfBwo8o&num=1&sig=AOD64_1nTvELNs2WxQotm88S9WYuQ2LanQ&client=ca-pub-5523477353362250&adurl=http://pixel.everesttech.net/2419/cq%3Fev_sid%3D3%26ev_ln%3Dfinancial%2520planning%2520software%26ev_crx%3D47359850833%26ev_mt%3D%26ev_n%3Dd%26ev_ltx%3D%26ev_pl%3Dwww.bachatkhata.com%26ev_pos%3Dnone%26ev_dvc%3Dc%26ev_dvm%3D%26url%3Dhttp%253A//www.quickbooks.in/%253Fcid%253Dcon_G_con_IN_Display-Contextual-Text_Financial-Software_new-url_txthttp://googleads.g.doubleclick.net/aclk?sa=l&ai=CsP2wYJCnU4jdI5etugT2qYDgDvmLm-UE0Yuo47ABwI23ARABIMO6_hAoBFCfpPKLA2Dl0uaDvA6gAae98NcDyAEBqAMByAPDBKoEoAFP0HWJB7h1tCjcLKuUdnr_H93suLNere-YEuNP_bQZJdDhMjLVYjFoeh3bvH4jGvn2da4vBcVz_Vd8WNwQBYBMhZw990vg2-LXt1h23uEKh8kVkBR9gu4s8ne3KIre29MRVGrIB649wrahXEOkj0-RhB8SJAd8vdGOTJE1Sw5VKsnLq5VTXTWzM1oIceHDO5_quOTbfcvrdC03wDwIYDoEgAfBwo8o&num=1&sig=AOD64_1nTvELNs2WxQotm88S9WYuQ2LanQ&client=ca-pub-5523477353362250&adurl=http://pixel.everesttech.net/2419/cq%3Fev_sid%3D3%26ev_ln%3Dfinancial%2520planning%2520software%26ev_crx%3D47359850833%26ev_mt%3D%26ev_n%3Dd%26ev_ltx%3D%26ev_pl%3Dwww.bachatkhata.com%26ev_pos%3Dnone%26ev_dvc%3Dc%26ev_dvm%3D%26url%3Dhttp%253A//www.quickbooks.in/%253Fcid%253Dcon_G_con_IN_Display-Contextual-Text_Financial-Software_new-url_txthttp://googleads.g.doubleclick.net/aclk?sa=l&ai=CdWRSYJCnU4jdI5etugT2qYDgDvn5xpwEmcn8y3LAjbcBEAIgw7r-ECgEUPST8qH______wFg5dLmg7wOoAHvstndA8gBAakC4h-YOB3ZUT6oAwHIA8MEqgShAU_QdeiVqGyOEG6fufB2eqZT3u6zukuy7JEH9gCwuBvya-oLMdUqe29_cuWu1_gmrOp1qmUQxSv9VyUU3xIOiVmanzTiXq-W7tX1RXTf4RSYzQ7MBnGf8iW6PLgvhdHW2RlZK5UbozKC8L1FQihuTRIGHNvutHOlbEqnldqgK5vBTUtZY1JfNXMGrAtxoZPeafkKR9qIPexwKzEg2ocxeLeZgAf5zKYi&num=2&sig=AOD64_0exumhqVSUPtbc3whZvxAO_frIsQ&client=ca-pub-5523477353362250&adurl=http://www.icofp.org/google/cfp-certification.htmlhttp://googleads.g.doubleclick.net/aclk?sa=l&ai=C7w5kYJCnU4jdI5etugT2qYDgDqiD_dIEsJyFhssBqOnZ_O4BEAMgw7r-ECgEUKKk-975_____wFg5dLmg7wOoAG62sXsA8gBAakC4h-YOB3ZUT6oAwHIA8MEqgShAU_QRZCxpGyPEG6fufB2eqZT3u6zukuy7JEH9gCwuBvya-oLMdUqe29_cuWu1_gmrOp1qmUQxSv9VyUU3xIOiVmanzTiXq-W7tX1RXTf4RSYzQ7MBnGf8iW6PLgvhdHW2RlZK5UbozKC8L1FQihuTRJGHN_utDireHenldqgK5vBTUtZY1JfNXMGrAtxoZPeafkKR9qIPexwKzEg2ocYF4iugAeupboT&num=3&sig=AOD64_3GS6qzi_PS2om194t-2QE_XwfQ4A&client=ca-pub-5523477353362250&adurl=http://www.paisabazaar.com/life-insurance/pension-plan-india.aspx%3Futm_source%3Dgoogle%26utm_medium%3Dppc_content0paisabazaar%26utm_term%3D%26utm_campaign%3DRemarketing00Pension_Calculatorhttp://googleads.g.doubleclick.net/aclk?sa=l&ai=C2Qx1YJCnU4jdI5etugT2qYDgDp6TivwE1qLhkp0BwI23ARAEIMO6_hAoBFCyseb1A2Dl0uaDvA6gAeq3ltcDyAEBqQLiH5g4HdlRPqgDAcgDwwSqBJ4BT9A1gIGmbIgQbp-58HZ6plPe7rO6S7LskQf2ALC4G_Jr6gsx1Sp7b39y5a7X-Cas6nWqZRDFK_1XJRTfEg6JWZqfNOJer5bu1fVFdN_hFJjNDswGcZ_yJbo8uC-F0dbZGVkrlRujMoLwvUVCKG5NEk4cTKhFzrTsYaeV-6ArOi67z1yWUZ3AcMZZSGFU0N4--xoQ2IzI6XTLMd7TS5mAB_7H6Sg&num=4&sig=AOD64_1mqHr0gMUb8WUzQe6wzY82eYJqVw&client=ca-pub-5523477353362250&adurl=http://agrincdextips.com/commodity-tips.htmlhttp://googleads.g.doubleclick.net/aclk?sa=l&ai=C2Qx1YJCnU4jdI5etugT2qYDgDp6TivwE1qLhkp0BwI23ARAEIMO6_hAoBFCyseb1A2Dl0uaDvA6gAeq3ltcDyAEBqQLiH5g4HdlRPqgDAcgDwwSqBJ4BT9A1gIGmbIgQbp-58HZ6plPe7rO6S7LskQf2ALC4G_Jr6gsx1Sp7b39y5a7X-Cas6nWqZRDFK_1XJRTfEg6JWZqfNOJer5bu1fVFdN_hFJjNDswGcZ_yJbo8uC-F0dbZGVkrlRujMoLwvUVCKG5NEk4cTKhFzrTsYaeV-6ArOi67z1yWUZ3AcMZZSGFU0N4--xoQ2IzI6XTLMd7TS5mAB_7H6Sg&num=4&sig=AOD64_1mqHr0gMUb8WUzQe6wzY82eYJqVw&client=ca-pub-5523477353362250&adurl=http://agrincdextips.com/commodity-tips.htmlhttp://googleads.g.doubleclick.net/aclk?sa=l&ai=C7w5kYJCnU4jdI5etugT2qYDgDqiD_dIEsJyFhssBqOnZ_O4BEAMgw7r-ECgEUKKk-975_____wFg5dLmg7wOoAG62sXsA8gBAakC4h-YOB3ZUT6oAwHIA8MEqgShAU_QRZCxpGyPEG6fufB2eqZT3u6zukuy7JEH9gCwuBvya-oLMdUqe29_cuWu1_gmrOp1qmUQxSv9VyUU3xIOiVmanzTiXq-W7tX1RXTf4RSYzQ7MBnGf8iW6PLgvhdHW2RlZK5UbozKC8L1FQihuTRJGHN_utDireHenldqgK5vBTUtZY1JfNXMGrAtxoZPeafkKR9qIPexwKzEg2ocYF4iugAeupboT&num=3&sig=AOD64_3GS6qzi_PS2om194t-2QE_XwfQ4A&client=ca-pub-5523477353362250&adurl=http://www.paisabazaar.com/life-insurance/pension-plan-india.aspx%3Futm_source%3Dgoogle%26utm_medium%3Dppc_content0paisabazaar%26utm_term%3D%26utm_campaign%3DRemarketing00Pension_Calculatorhttp://googleads.g.doubleclick.net/aclk?sa=l&ai=CdWRSYJCnU4jdI5etugT2qYDgDvn5xpwEmcn8y3LAjbcBEAIgw7r-ECgEUPST8qH______wFg5dLmg7wOoAHvstndA8gBAakC4h-YOB3ZUT6oAwHIA8MEqgShAU_QdeiVqGyOEG6fufB2eqZT3u6zukuy7JEH9gCwuBvya-oLMdUqe29_cuWu1_gmrOp1qmUQxSv9VyUU3xIOiVmanzTiXq-W7tX1RXTf4RSYzQ7MBnGf8iW6PLgvhdHW2RlZK5UbozKC8L1FQihuTRIGHNvutHOlbEqnldqgK5vBTUtZY1JfNXMGrAtxoZPeafkKR9qIPexwKzEg2ocxeLeZgAf5zKYi&num=2&sig=AOD64_0exumhqVSUPtbc3whZvxAO_frIsQ&client=ca-pub-5523477353362250&adurl=http://www.icofp.org/google/cfp-certification.htmlhttp://googleads.g.doubleclick.net/aclk?sa=l&ai=CsP2wYJCnU4jdI5etugT2qYDgDvmLm-UE0Yuo47ABwI23ARABIMO6_hAoBFCfpPKLA2Dl0uaDvA6gAae98NcDyAEBqAMByAPDBKoEoAFP0HWJB7h1tCjcLKuUdnr_H93suLNere-YEuNP_bQZJdDhMjLVYjFoeh3bvH4jGvn2da4vBcVz_Vd8WNwQBYBMhZw990vg2-LXt1h23uEKh8kVkBR9gu4s8ne3KIre29MRVGrIB649wrahXEOkj0-RhB8SJAd8vdGOTJE1Sw5VKsnLq5VTXTWzM1oIceHDO5_quOTbfcvrdC03wDwIYDoEgAfBwo8o&num=1&sig=AOD64_1nTvELNs2WxQotm88S9WYuQ2LanQ&client=ca-pub-5523477353362250&adurl=http://pixel.everesttech.net/2419/cq%3Fev_sid%3D3%26ev_ln%3Dfinancial%2520planning%2520software%26ev_crx%3D47359850833%26ev_mt%3D%26ev_n%3Dd%26ev_ltx%3D%26ev_pl%3Dwww.bachatkhata.com%26ev_pos%3Dnone%26ev_dvc%3Dc%26ev_dvm%3D%26url%3Dhttp%253A//www.quickbooks.in/%253Fcid%253Dcon_G_con_IN_Display-Contextual-Text_Financial-Software_new-url_txthttp://googleads.g.doubleclick.net/aclk?sa=l&ai=CsP2wYJCnU4jdI5etugT2qYDgDvmLm-UE0Yuo47ABwI23ARABIMO6_hAoBFCfpPKLA2Dl0uaDvA6gAae98NcDyAEBqAMByAPDBKoEoAFP0HWJB7h1tCjcLKuUdnr_H93suLNere-YEuNP_bQZJdDhMjLVYjFoeh3bvH4jGvn2da4vBcVz_Vd8WNwQBYBMhZw990vg2-LXt1h23uEKh8kVkBR9gu4s8ne3KIre29MRVGrIB649wrahXEOkj0-RhB8SJAd8vdGOTJE1Sw5VKsnLq5VTXTWzM1oIceHDO5_quOTbfcvrdC03wDwIYDoEgAfBwo8o&num=1&sig=AOD64_1nTvELNs2WxQotm88S9WYuQ2LanQ&client=ca-pub-5523477353362250&adurl=http://pixel.everesttech.net/2419/cq%3Fev_sid%3D3%26ev_ln%3Dfinancial%2520planning%2520software%26ev_crx%3D47359850833%26ev_mt%3D%26ev_n%3Dd%26ev_ltx%3D%26ev_pl%3Dwww.bachatkhata.com%26ev_pos%3Dnone%26ev_dvc%3Dc%26ev_dvm%3D%26url%3Dhttp%253A//www.quickbooks.in/%253Fcid%253Dcon_G_con_IN_Display-Contextual-Text_Financial-Software_new-url_txthttp://googleads.g.doubleclick.net/aclk?sa=l&ai=CsP2wYJCnU4jdI5etugT2qYDgDvmLm-UE0Yuo47ABwI23ARABIMO6_hAoBFCfpPKLA2Dl0uaDvA6gAae98NcDyAEBqAMByAPDBKoEoAFP0HWJB7h1tCjcLKuUdnr_H93suLNere-YEuNP_bQZJdDhMjLVYjFoeh3bvH4jGvn2da4vBcVz_Vd8WNwQBYBMhZw990vg2-LXt1h23uEKh8kVkBR9gu4s8ne3KIre29MRVGrIB649wrahXEOkj0-RhB8SJAd8vdGOTJE1Sw5VKsnLq5VTXTWzM1oIceHDO5_quOTbfcvrdC03wDwIYDoEgAfBwo8o&num=1&sig=AOD64_1nTvELNs2WxQotm88S9WYuQ2LanQ&client=ca-pub-5523477353362250&adurl=http://pixel.everesttech.net/2419/cq%3Fev_sid%3D3%26ev_ln%3Dfinancial%2520planning%2520software%26ev_crx%3D47359850833%26ev_mt%3D%26ev_n%3Dd%26ev_ltx%3D%26ev_pl%3Dwww.bachatkhata.com%26ev_pos%3Dnone%26ev_dvc%3Dc%26ev_dvm%3D%26url%3Dhttp%253A//www.quickbooks.in/%253Fcid%253Dcon_G_con_IN_Display-Contextual-Text_Financial-Software_new-url_txthttp://www.bachatkhata.com/2012/08/news-updates.htmlhttp://www.bachatkhata.com/2012/09/succession-planning-making-a-will.htmlhttp://www.bachatkhata.com/2013/01/claim-settlement-ratio-for-life-insurance-companies-for-2011-12.htmlhttp://www.bachatkhata.com/2014/05/claim-settlement-ratio-for-life-insurance-companies-for-2012-13.htmlhttp://www.bachatkhata.com/2011/06/investing-in-silver-%e2%80%93-e-silver.htmlhttp://www.bachatkhata.com/2011/03/claim-settlement-ratio-for-life-insurance-companies-2009-2010.html


12/13



Calculation of Income Tax Payable and Filing of Tax Returns for Assessment Year 2012-13Free RechargeGrievance Rederessal Procedure in Life InsuranceHow to plan Your RetirementHow to build a Marriage Fund for your Childs MarriageHow to accumulate Gold for Daughters WeddingInvesting in Mutual FundsGroup Buying Websites Great Deals at Big DiscountsClaim Settlement Ratio for Life Insurance Companies for 2010-11Infrastructure Bonds and Tax Free BondsPlanning Your Childs Higher EducationManaging Home Loans in a Rising Interest Rate ScenarioOnline Term Insurance PlansInvesting in Silver E-Silver Sample Financial PlanClaim Settlement Ratio for Life Insurance Companies (2009-2010)Comparison of Retirement PlansComparison of Child PlansVirtual Credit CardsComparison of Term Insurance PlansApollo Munich Maxima Health Plan ReviewApplication Supported by Blocked Amount (ASBA)Online (Internet) Share Trading and Mobile Share TradingPrimary Markets (IPO) BasicsInvesting in Stock Market Beginners GuideIDFC Long Term Infrastructure BondsKaun Banega CrorepatiHome Loans Rates ComparisonIDBI CASA Bank Account with NO CHARGESCredit Card Innovation Pay by Transaction Billing ModePublic Provident Fund PPF All in One Investment Product

National Savings Certificate (NSC)Gold Exchange Traded FundsHDFC Systematic Savings Plan Product ReviewHome Loan Rates ComparisonFlexi Deposits Hybrid Product combining Features of Fixed Deposit and Savings AccountMutual Fund Service System (MFSS)LIC Jeevan NischayICICI Advantage DepositHow to invest in Gold HDFC Young Star Super ReviewCurrency Carry TradeCapital Protection ProductsAegon Religare iTerm Plan ReviewComparison between Term Insurance Policy and Traditional Insurance PolicyRupee Cost AveragingRetirement Planning: Retire from Work, Not from LifeInsurance Riders: Top up your Policy at Low CostHuman Life Value How much are you Worth?Financial Products for BeginnersEquity Linked Saving Scheme (ELSS)Aegon Religare Invest Maximiser PlanHome Loan Repayment OptionsExempt AllowancesIncome Tax Section 80CComprehensive Financial PlanningMedical Insurance (Health Insurance) Section 80DHouse Rent Allowance
http://www.bachatkhata.com/2012/07/calculation-of-income-tax-payable-and-filing-of-tax-returns-for-assessment-year-2012-13.htmlhttp://www.bachatkhata.com/2012/05/free-recharge.htmlhttp://www.bachatkhata.com/2012/04/grievance-rederessal-procedure-in-life-insurance.htmlhttp://www.bachatkhata.com/2012/03/how-to-plan-your-retirement.htmlhttp://www.bachatkhata.com/2012/03/how-to-build-a-marriage-fund-for-your-childs-wedding.htmlhttp://www.bachatkhata.com/2012/03/how-to-accumulate-gold-for-daughters-wedding.htmlhttp://www.bachatkhata.com/2012/03/investing-in-mutual-funds.htmlhttp://www.bachatkhata.com/2012/03/group-buying-websites-great-deals-at-big-discounts.htmlhttp://www.bachatkhata.com/2012/02/claim-settlement-ratio-for-life-insurance-companies-for-2010-11.htmlhttp://www.bachatkhata.com/2012/02/infrastructure-bonds-and-tax-free-bonds.htmlhttp://www.bachatkhata.com/2011/11/planning-your-childs-higher-education.htmlhttp://www.bachatkhata.com/2011/07/managing-home-loans-in-a-rising-interest-rate-scenario.htmlhttp://www.bachatkhata.com/2011/06/online-term-insurance-plans.htmlhttp://www.bachatkhata.com/2011/06/investing-in-silver-%e2%80%93-e-silver.htmlhttp://www.bachatkhata.com/2011/03/claim-settlement-ratio-for-life-insurance-companies-2009-2010.htmlhttp://www.bachatkhata.com/2011/03/comparison-of-retirement-plans.htmlhttp://www.bachatkhata.com/2011/03/comparison-of-child-plans.htmlhttp://www.bachatkhata.com/2011/03/virtual-credit-cards.htmlhttp://www.bachatkhata.com/2010/11/comparison-of-term-insurance-plans.htmlhttp://www.bachatkhata.com/2010/11/apollo-munich-maxima-health-plan-review.htmlhttp://www.bachatkhata.com/2010/11/application-supported-by-blocked-amount-asba.htmlhttp://www.bachatkhata.com/2010/11/online-internet-share-trading-and-mobile-share-trading.htmlhttp://www.bachatkhata.com/2010/10/primary-markets-ipo-%e2%80%93-basics.htmlhttp://www.bachatkhata.com/2010/10/investing-in-stock-market-%e2%80%93-beginners-guide.htmlhttp://www.bachatkhata.com/2010/10/idfc-long-term-infrastructure-bonds.htmlhttp://www.bachatkhata.com/2010/09/kaun-banega-crorepati.htmlhttp://www.bachatkhata.com/2010/09/home-loans-rates-comparison.htmlhttp://www.bachatkhata.com/2010/09/idbi-casa-bank-account-with-no-charges.htmlhttp://www.bachatkhata.com/2010/03/credit-card-innovation-pay-by.htmlhttp://www.bachatkhata.com/2010/03/public-provident-fund-all-in-one.htmlhttp://www.bachatkhata.com/2010/03/national-savings-certificate-nsc.htmlhttp://www.bachatkhata.com/2010/03/gold-etfs.htmlhttp://www.bachatkhata.com/2010/02/hdfc-systematic-savings-plan-product.htmlhttp://www.bachatkhata.com/2010/02/home-loan-rates-comparison.htmlhttp://www.bachatkhata.com/2010/02/flexi-deposits-hybrid-product-combining.htmlhttp://www.bachatkhata.com/2009/12/mutual-fund-service-system-mfss.htmlhttp://www.bachatkhata.com/2009/12/lic-jeevan-nischay.htmlhttp://www.bachatkhata.com/2009/12/icici-advantage-deposit.htmlhttp://www.bachatkhata.com/2009/12/how-to-invest-in-gold.htmlhttp://www.bachatkhata.com/2009/12/hdfc-young-star-super-review.htmlhttp://www.bachatkhata.com/2009/12/currency-carry-trade.htmlhttp://www.bachatkhata.com/2009/12/capital-protection-products.htmlhttp://www.bachatkhata.com/2009/12/aegon-religare-iterm-plan-review.htmlhttp://www.bachatkhata.com/2009/12/comparison-between-term-insurance.htmlhttp://www.bachatkhata.com/2009/12/rupee-cost-averaging.htmlhttp://www.bachatkhata.com/2009/12/retirement-planning-retire-from-work.htmlhttp://www.bachatkhata.com/2009/12/insurance-riders-top-up-your-policy-at.htmlhttp://www.bachatkhata.com/2009/12/human-life-value-how-much-are-you-worth.htmlhttp://www.bachatkhata.com/2009/12/financial-products-for-beginners.htmlhttp://www.bachatkhata.com/2009/12/equity-linked-saving-scheme-elss-2.htmlhttp://www.bachatkhata.com/2009/12/aegon-religare-invest-maximiser-plan.htmlhttp://www.bachatkhata.com/2009/12/home-loan-repayment-options.htmlhttp://www.bachatkhata.com/2009/12/exempt-allowances.htmlhttp://www.bachatkhata.com/2009/12/income-tax-section-80c.htmlhttp://www.bachatkhata.com/2009/12/comprehensive-financial-planning.htmlhttp://www.bachatkhata.com/2009/08/medical-insurance.htmlhttp://www.bachatkhata.com/2009/08/house-rent-allowance.htmlhttp://www.bachatkhata.com/2009/08/house-rent-allowance.htmlhttp://www.bachatkhata.com/2009/08/medical-insurance.htmlhttp://www.bachatkhata.com/2009/12/comprehensive-financial-planning.htmlhttp://www.bachatkhata.com/2009/12/income-tax-section-80c.htmlhttp://www.bachatkhata.com/2009/12/exempt-allowances.htmlhttp://www.bachatkhata.com/2009/12/home-loan-repayment-options.htmlhttp://www.bachatkhata.com/2009/12/aegon-religare-invest-maximiser-plan.htmlhttp://www.bachatkhata.com/2009/12/equity-linked-saving-scheme-elss-2.htmlhttp://www.bachatkhata.com/2009/12/financial-products-for-beginners.htmlhttp://www.bachatkhata.com/2009/12/human-life-value-how-much-are-you-worth.htmlhttp://www.bachatkhata.com/2009/12/insurance-riders-top-up-your-policy-at.htmlhttp://www.bachatkhata.com/2009/12/retirement-planning-retire-from-work.htmlhttp://www.bachatkhata.com/2009/12/rupee-cost-averaging.htmlhttp://www.bachatkhata.com/2009/12/comparison-between-term-insurance.htmlhttp://www.bachatkhata.com/2009/12/aegon-religare-iterm-plan-review.htmlhttp://www.bachatkhata.com/2009/12/capital-protection-products.htmlhttp://www.bachatkhata.com/2009/12/currency-carry-trade.htmlhttp://www.bachatkhata.com/2009/12/hdfc-young-star-super-review.htmlhttp://www.bachatkhata.com/2009/12/how-to-invest-in-gold.htmlhttp://www.bachatkhata.com/2009/12/icici-advantage-deposit.htmlhttp://www.bachatkhata.com/2009/12/lic-jeevan-nischay.htmlhttp://www.bachatkhata.com/2009/12/mutual-fund-service-system-mfss.htmlhttp://www.bachatkhata.com/2010/02/flexi-deposits-hybrid-product-combining.htmlhttp://www.bachatkhata.com/2010/02/home-loan-rates-comparison.htmlhttp://www.bachatkhata.com/2010/02/hdfc-systematic-savings-plan-product.htmlhttp://www.bachatkhata.com/2010/03/gold-etfs.htmlhttp://www.bachatkhata.com/2010/03/national-savings-certificate-nsc.htmlhttp://www.bachatkhata.com/2010/03/public-provident-fund-all-in-one.htmlhttp://www.bachatkhata.com/2010/03/credit-card-innovation-pay-by.htmlhttp://www.bachatkhata.com/2010/09/idbi-casa-bank-account-with-no-charges.htmlhttp://www.bachatkhata.com/2010/09/home-loans-rates-comparison.htmlhttp://www.bachatkhata.com/2010/09/kaun-banega-crorepati.htmlhttp://www.bachatkhata.com/2010/10/idfc-long-term-infrastructure-bonds.htmlhttp://www.bachatkhata.com/2010/10/investing-in-stock-market-%e2%80%93-beginners-guide.htmlhttp://www.bachatkhata.com/2010/10/primary-markets-ipo-%e2%80%93-basics.htmlhttp://www.bachatkhata.com/2010/11/online-internet-share-trading-and-mobile-share-trading.htmlhttp://www.bachatkhata.com/2010/11/application-supported-by-blocked-amount-asba.htmlhttp://www.bachatkhata.com/2010/11/apollo-munich-maxima-health-plan-review.htmlhttp://www.bachatkhata.com/2010/11/comparison-of-term-insurance-plans.htmlhttp://www.bachatkhata.com/2011/03/virtual-credit-cards.htmlhttp://www.bachatkhata.com/2011/03/comparison-of-child-plans.htmlhttp://www.bachatkhata.com/2011/03/comparison-of-retirement-plans.htmlhttp://www.bachatkhata.com/2011/03/claim-settlement-ratio-for-life-insurance-companies-2009-2010.htmlhttp://www.bachatkhata.com/2011/06/investing-in-silver-%e2%80%93-e-silver.htmlhttp://www.bachatkhata.com/2011/06/online-term-insurance-plans.htmlhttp://www.bachatkhata.com/2011/07/managing-home-loans-in-a-rising-interest-rate-scenario.htmlhttp://www.bachatkhata.com/2011/11/planning-your-childs-higher-education.htmlhttp://www.bachatkhata.com/2012/02/infrastructure-bonds-and-tax-free-bonds.htmlhttp://www.bachatkhata.com/2012/02/claim-settlement-ratio-for-life-insurance-companies-for-2010-11.htmlhttp://www.bachatkhata.com/2012/03/group-buying-websites-great-deals-at-big-discounts.htmlhttp://www.bachatkhata.com/2012/03/investing-in-mutual-funds.htmlhttp://www.bachatkhata.com/2012/03/how-to-accumulate-gold-for-daughters-wedding.htmlhttp://www.bachatkhata.com/2012/03/how-to-build-a-marriage-fund-for-your-childs-wedding.htmlhttp://www.bachatkhata.com/2012/03/how-to-plan-your-retirement.htmlhttp://www.bachatkhata.com/2012/04/grievance-rederessal-procedure-in-life-insurance.htmlhttp://www.bachatkhata.com/2012/05/free-recharge.htmlhttp://www.bachatkhata.com/2012/07/calculation-of-income-tax-payable-and-filing-of-tax-returns-for-assessment-year-2012-13.html


13/13

Documents

Sample Financial Plan _ Bachatkhata.com