Satish mistry comprehensive personal financial plan

Inve

stm

ents

Estate Plan

Scope of Personal Financial Plan / Financial Objective ::Based on the information's, we have obtained from you in quantitative or qualitative manner, we have analysed the same. This financial plan may provide guidance on your financial objectives as you have mentioned during our conversation. The scope of financial plan is as follows :

Risk Protection

Assessment of emergency funds need through short term cash flow.

Cash Flow Analysis

Analysis of your current Income -Expense structure and certain assumption of rise-fall in income & expenses, assessment of future situation of cash flow

To protect your family through adequate life insurance. To meet the future expenses with future need or in minimum - replacement of your income to your family. Analysis of your current Life Insurance Portfolio & basis on that how much life insurance to be required with efficient & cost effective future cash flow in your survival mode. To seek adequate Health Insurance including analysis of current General Insurance Policies you have.

To make a Investment portfolio, which is easy to manage, can provide timely fund for required financial goals with cost effective management & optimum returns. Complete analysis of Mutual Fund Investment Portfolio with recommendation to prepare efficient portfolio, which can earn better risk adjusted return & help to achieve future financial goal smoothly & generate wealth. Also suggest & do analysis of with profit Life Insurance policies, Pension Plans, other Fixed Return Scheme like Post Office Scheme, Company FD, NCD, FDR, Cash A/c. to maintain better liquidity, proper asset allocation with earn return in tax efficient manner.

Estate plan assessing the financial impact upon death and the disposition.

Sample Financial Plan Report in Excel 30/09/2012

Contact : Satish Mistry, Email: [email protected] 1

Goal PriorityPresent Cost of Goal OR Target Goal Amount

Age at Goal Start

Fund to be required in Period

OR Year

Fund to be required for No. of Years

% wise Amt. wise Child AgeHigh 0 0% 0 High 50000 10% 12 2013 - To - 2015 3High 100000 10% 15 2016 - To - 2019 4

Optional 100000 10% 19 2020 - To - 2022 3High 500000 10% 22 2023 - To - 2025 3High 1500000 5% 28 2029 1High 300000 6% 30 2031 1High 0 0% 0 High 50000 10% 12 2013 - To - 2015 3High 100000 10% 15 2016 - To - 2019 4

Optional 100000 10% 19 2020 - To - 2022 3High 500000 10% 22 2023 - To - 2025 3High 0 0% 0 High 300000 6% 30 2031 1

Your AgeHigh 3500000 6% 47 2020 1

Medium 800000 6% 42 2015 1Medium 70000 6% 45 2018 1Medium 55000 6% 48 2021 1Medium 80000 5% 44 2017 1Optional 3000000 6% 57 2030 1Optional 250000 0% 10000 56 2029 1Optional 5000000 0% 77 2050 1

High 0 0% 0 Optional 250000 5% 62 2035 - To - 2055 Every 5 YearOptional 40000 5% 57 2030 - To - 2045 Every 3 Year

Your Age

High 7224450 60 2033 1

High 500000 6% 60 2033 1Medium 1000000 5% 60 2033 1

Low 1000000 5% 60 2033 1Optional 1000000 6% 60 2033 1

Fund for - Post Graduation & Master Degree

Fund for - Secondary & Higher Sec. EducationFund for - Graduation & Higher Education

Futu

re F

inan

cial

Goa

l

Future Need & Dreams

Fund for - Need - 2 Computer SystemFund for - Dream - Farm House & Land

Fund for - Dream - Domestic Long Tour

Fund for - Need - Home Appliances / Furniture

Retirement Corpus & Provision

Fund for - For start in lifeFund for - Marriage Expenses

Fund for - Secondary & Higher Sec. EducationFund for - Graduation & Higher EducationFund for - Post Graduation & Master Degree

Fund for - Dream - Create Wealth for Family

Fund for - Need - New Residential HouseFund for - Need - Motor CarFund for - Need - Bike for KevinFund for - Need - Scooty for Sandhya

Fund for - Marriage Expenses

Retir

emen

t Pl

anni

ng

Fund for - Reserve Balance

Financial Goal Particulars

Child

Fut

ure

Plan

ning

Fund for - Donation / Gift

Fund for - Dream - Foreign Tour

Planning For-Kevin

Planning For-

Sandhya

Fund for - Pre-Primary & Primary Education

Fund for - Funds to be required to provide regular expenses from Retirement year onwards.Fund for - Medical Expenses Fund for - Tour - Yatra


Inflation Effect -Present Goal Amount

will rise @Rate



Res.:

Cell :

State : Country:

State : Country:

Age : 39 Yes

60 Yes

80 Yes

Age : 36

60

80

Age

39

36

64

60

11

6

Personal & Family InformationName : Amar Patel Office Address :

Contact No.:0261-12345678 123, xxxxxxxxxxxxxx

9999988888 xxxxxxxxxxxxxxxxxxx

Pers

onal

& F

amily

Info

rmat

ion

Female Spouse / Wife Working Very Good 16/07/1976

Very Good

Organisation :

Job / Business? Doing Job zzzzzzzzzzzzzzzzzzzzzzzzz

Spouse InformationName : Sangita Patel

Current Status Health Status

Family / Dependant Information

Birth Date :

Retirement Planned at Age-Years

Life Expectancy : YearsSelf Employed

16/07/1976 If in Job, Started Year 0

Working Status: Working

If W

orki

ng,

Giv

e De

tails

Working Field : Financial Services

Education : B.Com. Organisation : ABC. Co.

Job / Business?

Date of BirthName Sex Relationship

Residential Status : Own

E-mail : [email protected] Location / City : Surat

Sex Male Gujarat India

345, zzzzzzzzzzzzzzzzz

Marital Status : Married Residential Address :

Education : M.Sc.

Studying Very Good

Retired

Amar Patel

Sangita Patel

Maheshbhai Patel

Female

Female

SuratWorking Field : Medical / Pharma Location / City :

Have you a habits of Smoking?

Retirement Planned at Age-Years Have you a habits of chewing Gutkha?

Life Expectancy : Years Have you a habits of drinking alcohol?

Birth Date : 07/05/1973

XYZ Co. Gujarat India

If in Job, Started Year 2000

Male

Male

Kevin

0

Average

0

Doing Job Very Good 07/05/1973Self

Son

Daughter

Sujataben Patel

05/02/1948

22/11/1951Mother

Male Father

Sandhya

Retired Above Average

Studying 18/04/2001

26/02/2006

0

0

0

0000 0

00



Particulars Amount Rs. Particulars Outflow

620657 64%Personal

Income 620657 Personal Expenses 68400

180000 19% Spouse Income 180000 Housing Expenses 83400

150000 16% Other Income 165000 Food Expenses 104600

0 Living Expenses 114600

0 Health Expenses 52400

0 Entertainment Expenses 62000

0 Loan Repayment 132000

15000 15000 Investment Outflow 257991

965657

Outflow %Cumulative Outflow %

Surplus Ratio%

68400 14%

83400 17%

104600 22%

114600 24%

52400 11%

62000 13%

485400

480257 50%

132000 14%

617400 64%

348257 36%

257991 27%

875391 91%

90266 9%

Net Surplus available for Investments :

Net Balance ( + / - ) - C/F to Cash Account :

% of Total Income

Agriculture Income etc.

Particulars

Present Situation, Findings & Analysis

Present : Cash Inflow -Outflow Analysis

Present Cash Flow Situation :

Personal Income / Business Income OR Salary Income

Spouse Income / Business Income OR Salary Income

Current Income :

2%

965657

Current Expenses :

Health Expenses

Entertainment Expenses

As per Annexure of

Detailed Expenses

Sheet

Personal Expenses

Housing Expenses

50%

House Rent Income

Other Income

Interest Income from Advances / Loan Given

Other Income

Other Income

Surplus & Investments Net Outflow (After Investment Commitment) :

Regular Investment Commitment from Surplus Amount :

Basic Surplus : ( Total Income - Total Expenses)

Net Total Income : ( Amount Rs.: )

Regu

lar E

xpen

ses

Basic Surplus & Loan

Repayment

Regu

lar I

ncom

eYearly Amount Rs.

Total Expenses : ( Amount Rs.: )

Food Expenses

Living Expenses

Regular Payment towards Loan EMI / Interest Payment

Total Outflow :

64%

19%

17%

Inflow Personal Income Spouse Income

Other Income Personal Expenses

8%

Housing Expenses

10%Food

Expenses12%

Living Expenses

13%

Health Expenses

6%

Entertainment

Expenses7%

Loan Repayment

15%

Investment Outflow

29%

Outflow

0

100000

200000

300000

400000

500000

600000

700000

2012

2014

2016

2018

2020

2022

2024

2026

2028

2030

2032

Basic Surplus : ( Total Income - Total Expenses)



Present & Projected - Cash : Inflow -Outflow Analysis

-500000

0

500000

1000000

1500000

2000000

2500000

3000000

3500000

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

2030

2031

2032

2033

Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash : Net Total Income : ( Amount Rs.: )

-100000

0

100000

200000

300000

400000

500000

600000

700000

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

2030

2031

2032

2033

Regular Investments : Balance C/F to Cash : Net Surplus available for Investments :



-20%

0%

20%

40%

60%

80%

100%

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

2030

2031

2032

2033

Breakup of Outflow Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash :

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

2030

2031

2032

2033

Breakup of ExpensesPersonal Expenses Housing Expenses Food Expenses Living Expenses Health Expenses Entertainment Expenses



1500000 5% 0% Yes Yes Yes 150183 13498171500000 5% 0% No 0 No 0 1500000

0 5% 0% No 0 0 0 0

750000 0% 5% No 0 No 0 750000200000 0% 5% No 0 No 0 200000

0 0% 0% No 0 0 0 0300000 0% 10% Yes 0 Yes 0 300000

0 0% 0% No 0 0 0 035000 0% 10% Yes 0 Yes 22629 12371

0 0% 0% No 0 0 0 00 0% 0% No 0 0 0 0

250000 6% 0 0 Yes 250000

0 5% 0% No 0 0 0 00 5% 0% No 0 0 0 00 5% 0% No 0 0 0 00 5% 0% No 0 0 0 0

1000000 5% 0% No 0 0 0 10000000 5% 0% No 0 0 0 0

350000 6% 0% 0 Yes 350000100000 6% 0% 0 Yes 100000

0 6% 0% 0 0 0

5985000 172812 5812188

3000000 150183 28498171535000 22629 15123714535000 172812 43621881000000 0 1000000

450000 0 4500001450000 0 1450000

5985000 172812 5812188

Fixe

d As

sets

-In

vest

men

t Pur

pose

Total Amount Rs.:

0

0

Agriculture Land

00

Fixed Assets - (Personal / Family Use )Immovable Properties

Additional Residence / Flat

0

0Shop / Office Premises

Movable Properties

Assets ( Personal & Investments )

Movable Properties

0

Furniture / Fixtures / Paintings

Total Amount Rs.:

Assets Worth, as of today?

Current Value of Assets Rs.

Fixe

d As

sets

-Fo

r Per

sona

l / F

amily

use

Depreciation (%)

Two WheelersJewellery / Gold Ornaments

000Two Wheelers

0

Fixed Assets ( Investments Purpose Only )

0

Gold / Silver / Ornaments

Summary :Personal

Purpose only


Total Amount Rs.:

00

Movable PropertiesImmovable Properties

00

000

Any Others

Appreciation (%)

Holiday Home / Farm House


Immovable Properties

Agriculture Land

0

Investment Purpose only

Commercial Land

0

Home Contents / Appliances Home Contents / Appliances

Shop / Office Premises

Two Wheelers

Four WheelersFour Wheelers

Outstanding Loan Amount

Rs.

Appreciation (%)

Depreciation (%)Assets owner? Wants to use for

goal funding?Assets bought

on Loan? Under Lien?

Residential Building / Flat

Movable Properties

Ass

ets

wor

th &

Li

abili

ties

Fixed Assets : : Grand Total Rs.::




Asset Type Investment Current

Value

Future Investment

Commitment

Future Income from Investment

Surrender Value / Cash

Value

Fixed OR Estimated Return (%)

Current Allocation (%)

Weighted Average Rate of

Return (%)

Cash 225668 225668 4.00%120000 114000 8.00%

11424 11195 8.00%- 357092 - - 350863 5.95% 5.47%

Debt 100000 106660 - - 95994 8.16%135000 137371 - 45943 123634 10.49%250000 254064 - 40050 228657 10.42%485000 498094 - 85993 448285 8.30% 9.96%

Debt 65500 80297 24500 - 72267 7.95%150000 150000 - 50625 135000 9.00%350000 350000 - 106833 315000 8.14%

35000 37402 - - 33662 8.41%80000 86073 - - 77466 8.62%25000 26746 - - 24072 8.56%

705500 730518 24500 157458 657467 12.18% 8.38%

Equity - 86304 - - 64728 18.00% 1.44% 18.00%

Equity - 630663 5796000 - 567597 15.00%- 756828 2142000 - 681146 15.00%- 44704 - - 40234 15.00%- 115360 - - 103824 15.00%

Hybrid - 14804 - - 13324 12.55%- - - - - 10.00%- 17176 - - 15458 9.40%

Debt - - - - - 8.00%- 1579536 7938000 - 1421583 26.33% 14.92%

Gold - - - - - 8.00%450000 405000 6.00%

- 450000 - - 405000 7.50% 6.00%

Properties 1000000 800000 5.0% 16.67% 5.00%

Debt 315000 1710720 - 9.50%85000 124000 147000 - - 8.00%85000 439000 1857720 - - 7.32% 9.08%

Direct Equity

Equity - DiversifiedEquity - Diversified -ELSS

Mutual Funds

Bonds / NCD's & Co. FD'sBank Fixed Deposits > 1 YearCompany FD's

Hybrid Fund - Asset Allocation/Others

Mutual Funds Gold Funds / ETF

Post Office Scheme

Bonds & NCD's

Post Office Recurring Deposit Scheme

Hybrid Fund - BalancedEquity - Thematic & Others

Bank FDR

Post Office Monthly Income Scheme

Equity - Sectoral

Debt -Liquid

Bank FDR

Cash & Equivelant

Fixed Return SchemesBank & Company FDR / NCD's

Post Office Schemes

Direct Equity

Mutual Fund

Investments

Hybrid Fund - MIP

Bank Fixed Deposit : < 1 Year

Asset Category Scheme Category

Mutual Funds

Cash Account + Savings A/c. BalanceCash Account

Stock Market

Debt -Short Term, Income & G. Sec.

Kisan Vikas PatraNational Savings CertificatesPost Office - Time Deposits

Retirement Fund Retirement A/c. - Contribution (EPF / EPS)Retirement Fund

Real Estate

Gold / Silver ( ETF / Coins / Bars )

Senior Citizen Savings Scheme

Real Estate & Other Properties

Gold / Silver- ( Coins / Bars / Ornaments)

Properties Investment

Post Office Scheme Public Provident Fund



Asset Type Investment Current Value Future

Investment Commitment

Future Income from

Investment

Surrender Value / Cash

Value IRR (%)

Debt 50000 92125 - - 53213 4.80%45000 81500 - - 73350 3.93%

218966 343466 175185 37500 150004 4.78%51600 96600 77400 - 38418 5.71%

365566 613691 252585 37500 314984 10.23% 4.81%

Equity 50000 53000 - - 51000 4.49%50000 30000 - - 20000 -4.23%50000 53000 - - 51000 4.49%60000 108000 90000 - 91000 5.03%

210000 244000 90000 - 213000 4.07% 3.66%

5998235 10162805 280951 4675909 100.00%

8.95%Your Investment Portfolio is growing @pre-tax return (Weighted Average Return)

Reg. Prem. -Traditional Life Insurance PlanReg. Prem.-Traditional Pension Plan

Single Prem.-Unit Linked Insurance PlanReg. Prem.-Unit Linked Insurance Plan

Reg. Prem.-Unit Linked Pension Plan

Life Insurance

Life Insurance Single Prem.-Traditional Life Ins.Plan

Investments

Asset Category

Single Prem.-Traditional Pension Plan

Scheme Category

Traditional Life Insurance / Pension Plan

Unit Linked Life Insurance / Pension Plan

Single Prem.-Unit Linked Pension Plan



Current Asset Allocation Analysis :

Cash Debt Equity Gold PropertiesCurrent Value 357092 2300226 1890918 450000 1000000Surrender Value 350863 1437765 1682281 405000 800000

0

500000

1000000

1500000

2000000

2500000

Cash6%

Debt38%

Equity32%

Gold7%

Properties17%

Cash Debt Equity Gold Properties

CashAccount

BankFDR

MutualFunds

StockMarket

Bonds /NCD's &Co. FD's

PostOffice

Scheme

LifeInsuranc

e

PhysicalGold /

Funds /ETF

Properties

Investment

Retirement

Fund

Current Value 225668 226660 1590960 86304 391434 854518 857691 450000 1000000 315000Surrender Value 225668 209994 1432778 64728 352291 657467 527984 405000 800000 0

0

200000

400000

600000

800000

1000000

1200000

1400000

1600000

1800000

Cash Account4%

Bank FDR4%

Mutual Funds27%

Stock Market1%

Bonds / NCD's & Co. FD's

7%

Post Office Scheme14%

Life Insurance14%

Physical Gold / Funds / ETF

7%


17%Retirement Fund

5%

Cash Account Bank FDR Mutual FundsStock Market Bonds / NCD's & Co. FD's Post Office SchemeLife Insurance Physical Gold / Funds / ETF Properties InvestmentRetirement Fund



Basic Sum Assured

Paid Up Value of Policy

Pension Plan Value Rs.

15% 12% 9% Traditional Plan Amar Patel Sangita Patel Others4001168 4808964 5931571 55000 92125 - - - - 2597390 3475681 4852087 - - 50000

325000 344250 68000 86000 306952 - - 95000 125000 380000 436375 68000 86000 401952 175000

Unit Linked Plan 60000 - - 60000 - - 200000 200000 - - #DIV/0! - - - 60000 - #DIV/0! 200000 260000 200000 - 60000 #DIV/0! 260000

- - - - - - - - - - - - - - - -

11422657 14537767 19077084 640000 636375 68000 146000 #DIV/0! 435000

Less :

6882371 8699729 11311128 @Return : 15% @Return : 12%@Return : 9%

Less : As per Income replacement 4001168 4808964 5931571As per Expenses replacement 4709879 6012848 7930579

As per Need Analysis 11422657 14537767 19077084

Shortfall (If any) - As per Need Analysis -1750858 -3568216 -6179615

5131513 5131513 5131513

1750858 3568216 6179615

All Other Future Need for Family 2609236

636375 636375 636375

Shortfall of Life Insurance Coverage (if any)

Single Prem.-Life InsuranceSingle Prem.-Pension PlanReg. Prem.-Life Insurance

All Future Need for Child 3332765 4619978 6574935

Available Resources

Existing Death Benefit Coverage - through Life

Insurance

Present - Life Insurance Coverage - Details & Analysis

Reg. Prem.-Pension Plan

Existing Life Insurance Cover Details :

Scheme Type

Single Prem.-Life InsuranceReg. Prem.-Life InsuranceSingle Prem.-Pension PlanReg. Prem.-Pension Plan

Pure Life Cover Term Plan

Total Amount Rs.

Required Net Life Insurance Cover

Required Total Life Insurance @various

scenario

Present Value of Spouse / Other Income in Future

Surrender Value of All Investments 4495138 4495138

As per Expense Replacement Concept

4709879 6012848 7930579

As Per Need Analysis

Present Death Benefit Value Rs.Future Rate of Return in case of Death Claim

occurs as of today :

3134164 3800793

4540286 5838038 7765956

4495138

Available life cover shield through Investments & Life

Insurance

Current Year / Immediate Exp. & Need + O/s. Liabilities 770777 770777 770777

Future Family Expenses ( As above) 4709879 6012848 7930579

As per Income Replacement Concept

Required Life Insurance Cover as of today :

For - Amar PatelFor - Sangita Patel

@Return : 15% @Return : 12% @Return : 9%As per Income replacement 4001168 4808964 5931571As per Expenses replacement 4709879 6012848 7930579As per Need Analysis 11422657 14537767 19077084Shortfall (If any) - As per Need Analysis -1750858 -3568216 -6179615

-10000000

-5000000

0

5000000

10000000

15000000

20000000

25000000

Life Insurance Need @various concept & scenario



Sr_No.Outstanding

Loan Balance Rs.

Outstanding Period in Months

Interest rate today onwards

EMI Amount Rs.

Outstanding -Interest

Amount to be paid

Outstanding -Total Amount

to be paid

1 150183 63 9.00% 3000 38817 1890002 22629 12 11.00% 2000 1371 240003 63167 48 36.00% 2500 56833 1200004 43665 36 36.00% 2000 28335 720005 100000 0 0.00% 0 0 06 0 0 0.00% 0 0 07 0 0 0.00% 0 0 08 0 0 0.00% 0 0 09 0 0 0.00% 0 0 0

10 0 0 0.00% 0 0 011 0 0 0.00% 0 0 012 0 0 0.00% 0 0 013 0 0 0.00% 0 0 014 0 0 0.00% 0 0 015 0 0 0.00% 0 0 0

379644 9500 125356 405000

Present - Outstanding Loan Liabilities Details :

00

Personal AssetsPersonal AssetsFor Expenses / Other NeedFor Expenses / Other NeedCredit Card Outstanding's

Loan from Friend's / Relatives For Expenses / Other Need

Residential Building / Flat

0

00

Assets Name Loan for?

0000000

Two WheelersCredit Card Outstanding's

0

0000000

0%

5%

10%

15%

20%

25%

30%

2012

2013

2014

2015

2016

2017

2018

Loan Ratio - for Continue Existing LoanLoan Ratio - with Self Earning Loan Ratio - with Total Income

0%

5%

10%

15%

20%

25%

30%

35%

40%

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

2030

2031

2032

2033

2034

Loan Ratio - Continue Existing Loan with Planned Future Loan Loan Ratio - with Self Earning Loan Ratio - with Total Income



Current Valuation Rs.

Immediate Liquidation Value Rs.

Outstanding Loan Amt. Rs.

4535000 3628000 172812

4535000 3628000 0

Current Valuation Rs.

Surrender Valuation Rs. 172812

357092 350863

498094 448285730518 657467

86304 647281579536 1421583

450000 4050001000000 800000

439000 0613691 314984244000 213000

5998235 4675909100000 100000

Less : 379644 379644

10253592 8024266

Particulars Current Value Rs.:Surrender Value Rs.: Particulars Current Value Rs.:Surrender Value Rs.:

Assets 10633235 8403909 Assets 10633235 8403909

Liabilities 379644 379644 Liabilities 379644 379644

Net Worth 10253592 8024266

106831

Present Net Worh :: Amount Rs.:

Retirement Fund - ( EPS / EPS / PPF)

Unit Linked Life Insurance / Pension Plan

100000

Total : Financial Investments :: Rs.:

Traditional Life Insurance / Pension Plan

Advances to Friends / Relatives / Others

Grand Total : Liabilities :: Amount :: Rs.: 379644

206831

Fixed Assets

Outstanding Loan : On Fixed Assets -Rs.:

Net Worth Statement

Total : Fixed Assets :: Rs.:

For Personal & Family use

Net

Wo

rth

Sta

tem

ent

Outstanding Loan : (For Expenses & Other Need) -Rs.:

Liab

ilitie

s

Loan from relatives / friends - Regular / Cum. Interest

Payment Liabilities for Expenses type Loan

Ass

ets

Loan Payment Liabilities

Cash & EquivelantBank & Company FDR / NCD's

For Fixed Assets : Personal Purpose

For Investment Purpose : Real Estate / Properties( Indluding Immovable & Movable Properties)

Outstanding Loan Amt. Rs.

( Land / Building /Flats /Vehicles/Home contents Etc.)

Outstanding Loan Liabilities

Post Office Schemes ( Excluding - PPF A/c.)Direct EquityMutual Fund -( Excluding - Liquid Fund/Gold ETF)Gold / Silver ( ETF / Coins / Bars )Real Estate

Grand Total :: Assets :: Amount Rs.: 10633235 8403909

Loan Payment - EMI Mode - ( Personal Loan + Credit Card )

Financial Investments

Assets Liabilities Net WorthCurrent Value Rs.: 10633235 379644 10253592Surrender Value Rs.: 8403909 379644 8024266

0

2000000

4000000

6000000

8000000

10000000

12000000

Net Worth Analysis :

Current Value Rs.: Surrender Value Rs.:Liabilities 379644 379644Assets 10633235 8403909

0%10%20%30%40%50%60%70%80%90%

100%

Assets - Liabilities -(% wise)



Current Value

5998235

800657 7.49 Your Savings /Investments are 7.49 times of your Annual Income -(Self + Spouse Income)

950657 6.31 Your Savings /Investments are 6.31 times of your Total Annual Income

Current Value

379644

800657 0.47 Your Debt to Income Ratio is 0.47 with your Annual Income -(Self + Spouse Income)

950657 0.40 Your Debt to Income Ratio is 0.40 with your Total Annual Income.

c

Current Value

257991

800657 32% Your Savings Rate Ratio is 32% with your Annual Income -(Self + Spouse Income)

950657 27% Your Savings Rate Ratio is 27% with your Total Annual Income

Total Annual Savings / Investment Commitment Rs.

Your Annual Income is

Self +Spouse Income Rs.

Total Income (Excl. Interest / Div. Income) Rs.

( EPF Contribution (if any) + Regular Investment Commitment)

Current Value of your O/s. Payment Liabilities

Your Annual Income



(Current Investment Value / Current Income)

(Current Financial Obligation OR Liabilities / Annual Income)

Savings Rate to Income Ratio : Method / Formula to arrive ratio : (Total Annual Savings / Investment Commitment / Annual Income)

Method / Formula to arrive ratio :Savings to Income Ratio :

Current Value of your Savings / Investments is Rs.

Your Annual Income



Debt to Income Ratio : Method / Formula to arrive ratio :



Current Value

357092

Monthly Amt.

485400 40450

132000 11000

51450 6.94

Current Value

4675909

Monthly Amt.

485400 40450

132000 11000

51450 90.88

Your have 6.94 months of instant liquid balance to sustain routine expenses.

Basic Liquidity Ratio : Method / Formula to arrive ratio : (Total Liquid Assets / Monthly Outflow of Expenses & Loan EMI )

Liquid Asset -( Cash +Liquid Funds+FDR<1 Year)

Your Annual Outflow

Total Annual Payment of EMI + Interest

Yearly Expenses Amount Rs.

Expanded Liquidity Ratio : Method / Formula to arrive ratio :(Surrender Value of Investments / Monthly Outflow of Expenses & Loan EMI

)

Surrender / Liquidity -Value of Investments -Rs.

Your Annual Outflow

Yearly Expenses Amount Rs.

Total Annual Payment of EMI + Interest

Your have 90.88 months of provision to sustain living standard, if unable to earn on regular basis.



Current Value

357092

379644 0.94

Current Value

4675909

379644 12.32

Current Value

5657996

Your Annual Income - Rs. 620657 9.12

Liquid Assets Coverage Ratio : Method / Formula to arrive ratio : ( Total Liquid Assets / Total Debt )

Liquid Asset -( Cash +Liquid Funds+FDR<1 Year)

Your Liquid Assets Coverage Ratio is 0.94Total Debt / O/s. Liabilities

Life Insurance Coverage Ratio : Method / Formula to arrive ratio :(Cur. value of Investment - liabilities + Death Benefit by Life Ins./ Annual

Income )

Your Assets + Death Benefit is covering your annual income is 9.12 times.

Value of Investments (Excl.- LI Policy) - Liabilies + Death Benefit of Life Ins. Policy

Solvency Ratio : Method / Formula to arrive ratio : (Surrender Value of Investments / Total O/s. Liabilities )

Surrender / Liquidity -Value of Investments -Rs.

Your Assets is 12.32 times of debt available to repay your debt.Total Debt / O/s. Liabilities



Present Cost of Goal OR Target Goal Amount

Fund to be required in

Period OR Year

Fund to be required for No.

of Years

Wants to Protect Need &

Provide Life Cover

Yes /No.

% wise Amt. wise 15% 12% 9%

83400 6% 0 2013 - to - 2033 21 Yes

104600 8% 0 2013 - to - 2033 21 Yes

114600 7% 0 2013 - to - 2033 21 Yes

52400 10% 0 2013 - to - 2033 21 Yes

62000 10% 0 2013 - to - 2033 21 Yes% wise Amt. wise

0 0% Yes

50000 10% 2013 - To - 2015 3 Yes

100000 10% 2016 - To - 2019 4 Yes

100000 10% 2020 - To - 2022 3 Yes

500000 10% 2023 - To - 2025 3 Yes

1500000 5% 2029 1 Yes

300000 6% 2031 1 Yes

Yes

50000 6% 2013 - To - 2020 8 Yes

100000 6% 2021 - To - 2024 4 Yes

100000 10% 2025 - To - 2027 3 Yes

500000 10% 2028 - To - 2030 3 Yes

0 0% Yes

500000 6% 2032 1 Yes

3500000 6% 2020 1 Yes

800000 6% 2015 1 Yes

70000 6% 2018 1 Yes

55000 6% 2021 1 Yes

80000 5% 2017 1 Yes

250000 0% 10000 2029 1 Yes

10651880 13766990 18306307

Yes

YesYes

Total Life Insurance required for future need : Amount Rs. : 6221594 8038952 10650351

Futu

re F

inan

cial

G

oal

Future Need

Need - Fund for - New Residential House

Need - Fund for - Motor Car

Need - Fund for - Bike for Kevin

Need - Fund for - Scooty for Sandhya

Need - Fund for - 2 Computer System

Need - Fund for - Home Appliances / Furniture

5728038 7655956

2609236 3134164 3800793

Gross Life Insurance Cover for Future Need : Amount Rs. ::

4430286

Child

Fut

ure

Plan

ning Planning

For-Kevin


Fund for - Secondary & Higher Sec. Education

Fund for - Graduation & Higher Education


Fund for - For start in life

Less :Other Income

Spouse Income -( Subject to Life Insurance Cover available )

Agriculture Income etc.Total Income from other sources


Planning For-

SandhyaFund for -- Graduation & Higher Education

Fund for -- Post Graduation & Master Degree

Fund for -- Marriage Expenses

Fund for -- Child Care Expenses

Fund for -- Pre-Primary & Primary Education

Fund for -- Secondary & Higher Sec. Education

Following is the life insurance cover amount, which will provided to your family in your absence & generate return on that @ various rate by your

family to fulfil their needs.

1915908 2576740 3543851

1416858 2043238 3031083

Different Rate of Return, Scenario of Future Cash Flow in your absence & Provide Financial Shelter

to your Family

4709879 6012848 7930579

I wish to provide Life Insurance cover to my family for following future needs & liabilities.

Inflation Effect -Present Goal Amount will rise

@Rate

Futu

re

Expe

nses

for

Fam

ily

Family Expenses

Housing Expenses

Food Expenses

Living Expenses

Health Expenses




B / F => Total Life Insurance required for future need : Amount Rs. : 6221594 8038952 10650351

Add : Required Amount Rs.

Wants to Protect Need?

Required Amount Rs.

Loan Repayment 379644 N.A. 250000

22800 Yes 027800 Yes 034867 Yes 038200 Yes 017467 Yes 0

520777 250000770777110000

660777 660777 660777

Gross Life Insurance required to protect all need of your family in your absence : (@ various rate ) :: 6882371 8699729 11311128

12%

Sr. Year Your Age Spouse Age

Life Insurance to be required /

Opening Balance

Family Expenses

Outstanding Loan Liabilities

To cover future expenses :

Planning For-Kevin

To cover future expenses :

Planning For-Sandhya

Current & Future Financial

Needs for Family

Spouse Income (Subject to Life

Ins.Cover )Other Income

1 2012 39 36 8699729 141133 379644 250000 60000 50000 660777 964674 90036272 2013 40 37 9003627 449834 55000 53000 0 197773 180000 180061 1058828 98823943 2014 41 38 9882394 485343 60500 56180 0 215513 196500 190010 1163086 108554704 2015 42 39 10855470 523753 66550 59551 952813 235038 214650 1152979 1164299 108667905 2016 43 40 10866790 565308 146410 63124 0 256297 234615 283930 1269943 118528046 2017 44 41 11852804 610275 161051 66911 102103 280818 256577 402945 1373983 128238427 2018 45 42 12823842 658942 177156 70926 99296 307324 280734 418262 1488670 138942498 2019 46 43 13894249 711625 194872 75182 0 335927 307308 338443 1626697 151825039 2020 47 44 15182503 768665 214359 79692 5578468 366925 436538 5837721 1121374 10466155

10 2021 48 45 10466155 830435 235795 168948 92921 401534 353692 572873 1187194 1108047611 2022 49 46 11080476 897340 259374 179085 0 466874 389061 479864 1272073 1187268512 2023 50 47 11872685 969820 1426558 189830 0 512160 427968 1646081 1227193 1145379713 2024 51 48 11453797 1048355 1569214 201220 0 558232 470764 1789792 1159681 1082368514 2025 52 49 10823685 1133467 1726136 345227 0 608905 517841 2078084 1049472 979507315 2026 53 50 9795073 1225724 0 379750 0 664649 569625 371200 1130865 1055473916 2027 54 51 10554739 1325744 0 417725 0 725959 626587 390923 1219658 1138347417 2028 55 52 11383474 1434202 0 2297486 0 793404 689246 2249039 1096132 1023056818 2029 56 53 10230568 1551831 3438027 2527235 420000 867595 758171 6311328 470309 438954919 2030 57 54 4389549 1679430 0 2779959 0 949120 833988 2676281 205592 191886020 2031 58 55 1918860 1817871 907680 0 0 1028589 917386 779576 136714 127599721 2032 59 56 1275997 1968103 0 1603568 0 1115994 1009125 1446552 -20466 -19102122 2033 60 57 -191021 2131160 0 0 0 1212143 1110037 -191021 0 023 2034 61 58 0 0 0 0 0 0 0 0 0 024 2035 62 59 0 0 0 0 0 0 0 0 0 025 2036 63 60 0 0 0 0 0 0 0 0 0 026 2037 64 61 0 0 0 0 0 0 0 0 0 027 2038 65 62 0 0 0 0 0 0 0 0 0 028 2039 66 63 0 0 0 0 0 0 0 0 0 029 2040 67 64 0 0 0 0 0 0 0 0 0 030 2041 68 65 0 0 0 0 0 0 0 0 0 031 2042 69 66 0 0 0 0 0 0 0 0 0 0

Family Expenses

Outstanding Loan Liabilities - For Assets & Cash LoanHousing ExpensesFood ExpensesLiving ExpensesHealth ExpensesEntertainment Expenses

Misc. Need

00000

Other Need

Present OR Immediate Need / Particulars

Total Life Insurance Cover for Present Need : Amount Rs. ::

Amount required for Immediate Need OR in

Current Year - i.e. in 2012

Present OR Immediate Need / Particulars

Total required Amount Rs.: Total required Amount Rs.:

Less : Present OR immediate income from spouse & other income

<== Select future Interest Rate on Lump sum Investment from life insurance claim amount to provide a shelter to family

Net Amount to be required

in future

Interest on Balance Amt.

Closing Balance

Present & Future Need to Family in your absence Less : Future Income

Life Insurance Death ClaimCash Flow Statement



For :Basic Sum Assured

Present Death Benefit Value

Current ValuePaid Up Value of

PolicySurrender Value

Rs. Add :

Traditional Life Insurance Plan 225000 344250 249178 224286 107559 55000 92125 92125 - 53213

280000 436375 341303 224286 160771

Unit Linked Life Insurance Plan Cash Account 225668 225668 200000 200000 30000 33000 20000 Bank FDR 226660 209994 - - - - - Mutual Funds 1590960 1432778 200000 200000 30000 33000 20000 Stock Market 86304 64728

Life Insurance : Pure Term Plan Bonds / NCD's & Co. FD's 391434 352291 - - Post Office Scheme 854518 657467 - - Other Life Ins. & Pension Plan 486388 347213 - - Physical Gold / Funds / ETF 450000 405000 - - Properties Investment 1000000 800000

Retirement Fund 315000 0

For :Basic Sum Assured

Present Death Benefit Value

Current ValuePension Plan

Value Rs.Surrender Value

Rs. Particulars @Return : 15% @Return : 12% @Return : 9%Traditional Life Insurance Plan Reqired Life Ins. Cover 6882371 8699729 11311128

50000 68000 24400 14667 8275 Exsting Life Ins. Cover 5131513 5131513 5131513 - - - - - Shortfall (if any) -1750858 -3568216 -6179615 50000 68000 24400 14667 8275

Unit Linked Life Insurance Plan - - - - - - - - - - - - - - -

- - - - - - - -

15% 12% 9%

2597390 3475681 4852087

68000 68000 68000

Required Life Insurance Coverage :As per Income Replacement Strategy :

Reg. Prem.-Unit Linked Insurance Plan

Surrender Value >>

Investment Instrument

9%15% 12%50000 68000 24400 14667 8275

4495138

5131513

Available Life Insurance Coverage through existing Life Insurance Policies With Coverage through Existing Assets Value

Amar Patel Exis ng Life Insurance Coverage -Death Benefit Value Rs. 636375

Schem Category / Particulars

Existing available coverage to family - Amount Rs.

5131513

Sangita Patel

Present available coverage to family - Amount Rs.:

Reg. Prem. -Traditional Life Insurance PlanSingle Premium -Traditional Life Insurance Plan

Current Value Surrender Value Select Option

Existing Investment Value Rs. :

Total Amount Rs.: 480000 636375 371303 257286 180771

Single Premium -Unit Linked Insurance Plan

5131513 5131513

3568216 6179615

8699729 11311128

Schem Category / Particulars

Reg. Prem. -Traditional Life Insurance PlanSingle Prem. -Traditional Life Insurance Plan

Reg. Prem.-Unit Linked Insurance PlanSingle Premium -Unit Linked Insurance Plan

Total Amount Rs.:

Available Life Insurance Coverage :

2529390 3407681 4784087

Life Insurance - Pure Term Plan

Additional Life Insurance Cover to be required for : Sangita Patel 1750858

Gross Life Insurance Need to Family : (As above Calculated) 6882371

Additional Life Insurance cover to be required to protect your family in

your absence :

@Return : 15% @Return : 12% @Return : 9%Reqired Life Ins. Cover 6882371 8699729 11311128Exsting Life Ins. Cover 5131513 5131513 5131513Shortfall (if any) -1750858 -3568216 -6179615

-8000000-6000000-4000000-2000000

02000000400000060000008000000

100000001200000014000000



8699

729

9003

627

9882

394

1085

5470

1086

6790

1185

2804

1282

3842

1389

4249

1518

2503

1046

6155

1108

0476

1187

2685

1145

3797

1082

3685

9795

073

1055

4739

1138

3474

1023

0568

4389

549

1918

860

1275

997

0

2000000

4000000

6000000

8000000

10000000

12000000

14000000

16000000

2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032

Required V/s. Available -Life Insurance Cover Analysis

Available Life Ins. Cover Shortall in Life Ins. Cover Required Life Ins. Cover

6607

77

1800

61

1900

10

1152

979

2839

30

4029

45

4182

62

3384

43

5837

721

5728

73

4798

64

1646

081

1789

792

2078

084

3712

00

3909

23

2249

039

6311

328

2676

281

7795

76 1446

552

-1000000

0

1000000

2000000

3000000

4000000

5000000

6000000

7000000

2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032

Need to be covered V/s.Need to be met & Shortfall to Need Cover

Need to be met with existing life cover Shortfall to need with existing cover Total Need to be Cover



1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

How would you describe yourself as a risk-taker?

Balanced - (Medium Risk)

Result of Risk AnalysisRisk Capacity

6 months to 1 year

You have a market tip on the price appreciation of a certain scrip, you :

Risk the Rs.10,000 on a 50% chance of winning Rs.30,000

Are satisfied and content with the decision

How good is your knowledge of finance?

If you lose your job or stop working today, how long do you think your savings can support you

Aggregate

Your risk profile is suggest that you are a - Balanced - (Medium Risk) - type of investor

You are on a TV game show and you win Rs.10,000. You have a choice to keep the money or risk it to win a higher amount. You :

Do some enquiry and analysis and then decide

Your risk analysis from above questionnaire

Sell some of them

High


The stock market has dropped 25% and a share that you own also dropped 25%, but the market expects the share to go up again. What would you do ?

You have a substantial sum of money spare for about 6 months after which you need this sum to repay a loan, this sum is currently not invested anywhere. You would:

You are financially responsible for (exclude dependants who can be supported by your spouse's income)

invest the money in Open ended Equity Oriented Mutual Fund

2 to 3 persons besides youself

Risk Behaviour

Your age is :

Findings from your Risk Analysis

Which one of the following best describes your feeling immediately after making an investment, you :

30 - 40

between Rs.500,000 and Re.10,00,000

15 years or more

Is relatively secure

It would keep pace with inflation

low risk taking capability

I'm proficient in finance

The number of years you have until retirement is :

Your present job or business is :

Your current annual take-home income is :

Invest the money in Mutual Funds

What is your expectation of how your future earnings would be :

If you had Rs.50,000 to invest, which of the following choices would you make ?



Current Value 345668 5%485400 11424 8%132000 0 8%257991 86304 18%875391 630663 15%

For Months 756828 15%44704 15%

115360 15%14804 13%

0 10%17176 9%

0 8%2022932 13.38%

0 - to - 3 8% 374268 19% 9.54%

4 - to - 7 9% 1162765 57% 9.88%

485900 24% 12.00%

Total : 2022932 100.00% 9.54%

Note :Age : 60

Year : 2033

Age : 80

Year : 2053

Select : 2

Calculation of Required Emergency Fund.Particulars

Regular Investment CommitmentTotal Yearly Outflow Amount Rs.

Plan

ner's

N

ote

Regular ExpensesLoan EMI Amount

4 291797

Also required fund in Cash & Equivalent for Current Year Requirements ( If any)

Total Amount to be required in Current Year ( i.e. in Year )

Post Retirement Rate of Return (%)

Growth Over Time Very Important

22

Optimum Return

Investment PrioritiesPreserve Capital Some Extent

Regular Income Not Priority

Period ( No. of Years )

upto Retirement.:

Retirement :

Life Expectacy :

Very Important

Fairly Important Retirement Cash Flow - With Accumulation & Consumption.

Maximum Growth Some Extent

Hybrid Fund - Asset Allocation/OthersHybrid Fund - MIPGold Funds / ETFTotal Amount & Weighted Avg. Return

If retirement period is fall in Short / Medium Term Period, Long Term Return Rate is automatically

replaced by Post Retirement Rate of Return. Please check first, how much year left to retirement.

Risk

Ana

lysi

s

Non Maturity based Investment Portfolio

( i. e. Direct Equity + Mutual Fund)

Existing Portfolio

Portfolio Weightage

Short to Medium Term

Medium to Long Term

Cash / S.B. A/c. / Bank FDR <1 Year

Equity - Thematic & Others

Post Tax Rate of Return (%)

7%

Timely Goal Achievement

Short Term Need

Medium Term Need

8 - Year onwardsEase of Management Extremely Concern

Hybrid Fund - Balanced

Expected Wighted Average

Return (%)

Finding from Your Risk Analysis Result of Risk Analysis

Future Need - Period breakup with required Rate of ReturnPost Tax -

Return Select

12%

For - Pre - Retirement Period : Period (Years) :

Non Maturity based Investment Portfolio ( i. e. Direct Equity + Mutual Fund)

Existing Portfolio

Expected Return (%)

Risk Behaviour

Long Term Funds

Post Tax Rate of Return - Assumption


Aggregate Balanced - (Medium Risk)

Risk Capacity High


Debt -Liquid

Goal Mapping & Funding - with Future Need & Investment Cash Flow - Calculation

With Existing Investment Portfolio

Tax Relief/advantage Slightly Concern

Safety/ Security Slightly Concern

Liquidity Not Concern

Generating Income Not Concern

Debt -Short Term, Income & G. Sec.Direct EquityEquity - DiversifiedEquity - Diversified -ELSSEquity - Sectoral

Long Term Need

Extremely Concern

250000

Emergency Fund - Should be kept in form of Cash

& Equivalent Advice to kept emergency fund in Cash or Equivalent

for the Month Nos. >>>>

Financial ConcernsInflation



Age at Goal Start

Present Cost of Goal OR Target Goal

Amount

Inflation Effect -

Present Goal Amount will rise @%wise OR Amt.wise

Period ( Years)

available for Regular

Investments

Fund to be required in Period OR

Year


Goal Priority

If Goal Selection is "Yes", Goal

Funding from Assets Liquidation

/ Future Loan?

Future Goal -Amount to be required Rs.

Goal Funding Amt. from

Assets Liquidation /

Future Loans - Rs.

Goal Funding Amount through

Financial Investment

A/c.

Total Possible Goal

Achievement Amt. Rs.

Shortfall in Goal Amt. Rs.

Possible Goal Achievement

%wise

Shortfall in Goal %wise

Child Age % OR/ Amt,wise

0 0 0 High Yes N.A. 0 0 0 0 0 0% 0%

12 50000 10.00% 1 2013 - To - 2015 3 High Yes N.A. 182050 0 182050 182050 0 100% 0%

15 100000 10.00% 4 2016 - To - 2019 4 High Yes N.A. 679489 0 679489 679489 0 100% 0%

19 100000 10.00% 8 2020 - To - 2022 3 Optional Yes N.A. 709528 0 709528 709528 0 100% 0%

22 500000 10.00% 11 2023 - To - 2025 3 High Yes N.A. 4721908 0 4721908 4721908 0 100% 0%

28 1500000 5.00% 17 2029 1 High Yes Yes 3438027 1719014 1719014 3438027 0 100% 0%

30 300000 6.00% 19 2031 1 High Yes Yes 907680 363072 544608 907680 0 100% 0%

Child Age 10638682 2082086 8556597 10638682 0 100% 0%

0 0 0 High Yes N.A. 0 0 0 0 0 0% 0%

7 50000 6.00% 1 2013 - To - 2020 8 High Yes N.A. 524566 0 524566 524566 0 100% 0%

15 100000 6.00% 9 2021 - To - 2024 4 High Yes N.A. 739082 0 739082 739082 0 100% 0%

19 100000 10.00% 13 2025 - To - 2027 3 High Yes N.A. 1142702 0 1142702 1142702 0 100% 0%

22 500000 10.00% 16 2028 - To - 2030 3 High Yes N.A. 7604680 0 2297486 2297486 5307194 30% 70%

26 500000 6.00% 20 2032 1 High Yes Yes 1603568 801784 801784 1603568 0 100% 0%

0 0 0 High Yes N.A. 0 0 0 0 0 0% 0%

Your Age 11614598 801784 5505620 6307404 5307194 54% 46%

47 3500000 6.00% 8 2020 1 High Yes Yes 5578468 2789234 2789234 5578468 0 100% 0%

42 800000 6.00% 3 2015 1 Medium Yes Yes 952813 476406 476406 952813 0 100% 0%

45 70000 6.00% 6 2018 1 Medium Yes Yes 99296 0 99296 99296 0 100% 0%

48 55000 6.00% 9 2021 1 Medium Yes Yes 92921 0 92921 92921 0 100% 0%

44 80000 5.00% 5 2017 1 Medium Yes Yes 102103 0 102103 102103 0 100% 0%

56 250000 10000 17 2029 1 Optional Yes Yes 420000 0 0 0 420000 0% 100%

Your Age 7245601 3265641 3559961 6825601 420000 94% 6%

60 7224450 0 21 2033 1 High Yes 71115515 0 32503095 32503095 38612420 46% 54%

60 500000 6.00% 21 2033 1 High Yes 1699782 0 1699782 1699782 0 100% 0%

60 1000000 5.00% 21 2033 1 Medium Yes 2785963 0 2785963 2785963 0 100% 0%

60 1000000 5.00% 21 2033 1 Low Yes 2785963 0 2785963 2785963 0 100% 0%

60 1000000 6.00% 21 2033 1 Optional Yes 3399564 0 3399564 3399564 0 100% 0%

Your Age 81786786 43174365 43174365 38612420 53% 47%

57 3000000 6.00% 18 2030 1 Optional Yes Yes 8563017 0 0 0 8563017 0% 100%

77 5000000 21 2050 1 Optional Yes Yes 5000000 0 0 0 5000000 0% 100%

0 0 0 High Yes Yes 0 0 0 0 0 0% 0%

57 40000 5.00% 18 2030 - To - 2045 Every 3 Year Optional Yes Yes 859051 0 762786 762786 96265 89% 11%


19017148 0 3761496 3761496 15255652 20% 80%

130302815 6149510 64558039 70707549 59595266 54% 46%







Fund for -- Graduation & Higher Education



Dream - Fund for - Domestic Long Tour

Dream - Fund for - Farm House & Land

Future Need

Child

Fut

ure

Plan

ning Planning

For-Kevin

Planning For-

Sandhya


Futu

re F

inan

cial

G

oal

Future Dreams

Retir

emen

t Pl

anni

ng


Futu

re F

inan

cial

G

oal

Dream - Fund for - Create Wealth for Family

Dream - Fund for - Foreign Tour





Retirement Need Provision - Donation / Gift

Retirement Need Provision - Reserve Balance

Goal Selection




After calculating with your actual cash flow


Funds to be required to provide regular expenses from Retirement year onwards.

Retirement Need Provision - Medical Expenses

Retirement Need Provision - Tour - Yatra

Wants to include OR

Calculate your Goal Amt. with Current Cash

Flow?



Sr. No. Year Amar Patel Sangita Patel Kevin Sandhya Self Income( Net of Tax )

Spouse Income

(Net of Tax)

Agriculture Income (if any)

Other Income Total Income Total Expenses

Surplus (Basic Cash

Flow)

Total Loan Repayment Amount Rs.

Loan Repayment For Future

Goal Amount Rs.

Net Surplus for Savings / Investment

Regular Investment

Commitment (Outflow)

Net Balance ( + / - )

@Each Year Ended

0 2012 39 36 11 6 206886 60000 50000 3750 320636 161800 158836 33000 125836 82053 437831 2013 40 37 12 7 623026 197773 165000 15000 1000799 522338 478461 126000 0 352461 263991 884702 2014 41 38 13 8 622490 215513 181500 15000 1034504 562197 472306 108000 0 364306 281991 823153 2015 42 39 14 9 623562 235038 199650 15000 1073249 605218 468031 202000 68790 197240 299991 -1027514 2016 43 40 15 10 623489 256297 219615 15000 1114402 651661 462740 58500 68790 335450 312991 224595 2017 44 41 16 11 625755 280818 241577 15000 1163149 701809 461340 36000 68790 356550 317991 385596 2018 45 42 17 12 625405 307324 265734 15000 1213464 755969 457495 0 68790 388705 335991 527147 2019 46 43 18 13 625405 335927 292308 15000 1268640 814473 454167 0 68790 385376 353991 313858 2020 47 44 19 14 625405 366925 321538 115000 1428868 877684 551184 0 69747 481437 361335 1201029 2021 48 45 20 15 628495 401534 353692 0 1383721 945995 437726 0 69747 367978 358335 9643

10 2022 49 46 21 16 663598 466874 389061 0 1519533 1019834 499699 0 69747 429952 374217 5573511 2023 50 47 22 17 663598 512160 427968 0 1603725 1099664 504062 0 69747 434314 386527 4778712 2024 51 48 23 18 663598 558232 470764 0 1692594 1185989 506605 0 69747 436858 404527 3233113 2025 52 49 24 19 663598 608905 517841 0 1790343 1279359 510984 0 69747 441237 416077 2516014 2026 53 50 25 20 663598 664649 569625 0 1897872 1380369 517502 0 69747 447755 434077 1367815 2027 54 51 26 21 663598 725959 626587 0 2016144 1489669 526475 0 69747 456728 450000 672816 2028 55 52 27 22 663598 793404 689246 0 2146247 1607962 538286 0 69747 468538 468000 53817 2029 56 53 28 23 663598 867595 758171 0 2289363 1736016 553347 0 69747 483600 486000 -240018 2030 57 54 29 24 663598 949120 833988 0 2446706 1874667 572038 0 69747 502291 504000 -170919 2031 58 55 30 25 663598 1028589 917386 0 2609572 2024822 584750 0 69747 515003 522000 -699720 2032 59 56 31 26 663598 1115994 1009125 0 2788717 2187471 601246 0 69747 531499 540000 -850121 2033 60 57 32 27 663598 1212143 1110037 0 2985778 2363690 622088 0 69747 552341 558000 -565922 2034 61 58 33 28 0 1317908 0 0 1317908 0 1317908 0 69747 1248161 0 124816123 2035 62 59 34 29 0 1434254 0 0 1434254 0 1434254 0 0 1434254 0 143425424 2036 63 60 35 30 0 1562224 0 0 1562224 0 1562224 0 0 1562224 0 156222425 2037 64 61 36 31 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 37 32 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 38 33 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 39 34 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 40 35 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 41 36 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 42 37 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 43 38 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 44 39 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 45 40 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 46 41 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 47 42 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 48 43 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 49 44 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 50 45 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 51 46 0 0 0 0 0 0 0 0 0 0 0 041 2053 80 77 52 47 0 0 0 0 0 0 0 0 0 0 0 042 2054 81 78 53 48 0 0 0 0 0 0 0 0 0 0 0 043 2055 82 79 54 49 0 0 0 0 0 0 0 0 0 0 0 044 2056 83 80 55 50 0 0 0 0 0 0 0 0 0 0 0 045 2057 84 81 56 51 0 0 0 0 0 0 0 0 0 0 0 046 2058 85 82 57 52 0 0 0 0 0 0 0 0 0 0 0 047 2059 86 83 58 53 0 0 0 0 0 0 0 0 0 0 0 048 2060 87 84 59 54 0 0 0 0 0 0 0 0 0 0 0 049 2061 88 85 60 55 0 0 0 0 0 0 0 0 0 0 0 050 2062 89 86 61 56 0 0 0 0 0 0 0 0 0 0 0 0

Age :



Sr. No. Year Amar Patel Sangita Patel Age Child Care Expenses

Pre-Primary & Primary

Education

Secondary & Higher Sec. Education

Graduation & Higher

Education

Post Graduation &

Master Degree

For start in life

Marriage Expenses

Total Amount to be

required.Age Child Care

Expenses

Pre-Primary & Primary

Education


Graduation & Higher

Education

Post Graduation &

Master Degree

For start in life

Marriage Expenses

Total Amount to be

required.

0 182050 679489 709528 4721908 3438027 907680 10638682 0 524566 739082 1142702 7604680 0 1603568 116145981 2013 40 37 12 0 55000 0 0 0 0 0 55000 7 0 53000 0 0 0 0 0 530002 2014 41 38 13 0 60500 0 0 0 0 0 60500 8 0 56180 0 0 0 0 0 561803 2015 42 39 14 0 66550 0 0 0 0 0 66550 9 0 59551 0 0 0 0 0 595514 2016 43 40 15 0 0 146410 0 0 0 0 146410 10 0 63124 0 0 0 0 0 631245 2017 44 41 16 0 0 161051 0 0 0 0 161051 11 0 66911 0 0 0 0 0 669116 2018 45 42 17 0 0 177156 0 0 0 0 177156 12 0 70926 0 0 0 0 0 709267 2019 46 43 18 0 0 194872 0 0 0 0 194872 13 0 75182 0 0 0 0 0 751828 2020 47 44 19 0 0 0 214359 0 0 0 214359 14 0 79692 0 0 0 0 0 796929 2021 48 45 20 0 0 0 235795 0 0 0 235795 15 0 0 168948 0 0 0 0 168948

10 2022 49 46 21 0 0 0 259374 0 0 0 259374 16 0 0 179085 0 0 0 0 17908511 2023 50 47 22 0 0 0 0 1426558 0 0 1426558 17 0 0 189830 0 0 0 0 18983012 2024 51 48 23 0 0 0 0 1569214 0 0 1569214 18 0 0 201220 0 0 0 0 20122013 2025 52 49 24 0 0 0 0 1726136 0 0 1726136 19 0 0 0 345227 0 0 0 34522714 2026 53 50 25 0 0 0 0 0 0 0 0 20 0 0 0 379750 0 0 0 37975015 2027 54 51 26 0 0 0 0 0 0 0 0 21 0 0 0 417725 0 0 0 41772516 2028 55 52 27 0 0 0 0 0 0 0 0 22 0 0 0 0 2297486 0 0 229748617 2029 56 53 28 0 0 0 0 0 3438027 0 3438027 23 0 0 0 0 2527235 0 0 252723518 2030 57 54 29 0 0 0 0 0 0 0 0 24 0 0 0 0 2779959 0 0 277995919 2031 58 55 30 0 0 0 0 0 0 907680 907680 25 0 0 0 0 0 0 0 020 2032 59 56 31 0 0 0 0 0 0 0 0 26 0 0 0 0 0 0 1603568 160356821 2033 60 57 32 0 0 0 0 0 0 0 0 27 0 0 0 0 0 0 0 022 2034 61 58 33 0 0 0 0 0 0 0 0 28 0 0 0 0 0 0 0 023 2035 62 59 34 0 0 0 0 0 0 0 0 29 0 0 0 0 0 0 0 024 2036 63 60 35 0 0 0 0 0 0 0 0 30 0 0 0 0 0 0 0 025 2037 64 61 36 0 0 0 0 0 0 0 0 31 0 0 0 0 0 0 0 026 2038 65 62 37 0 0 0 0 0 0 0 0 32 0 0 0 0 0 0 0 027 2039 66 63 38 0 0 0 0 0 0 0 0 33 0 0 0 0 0 0 0 028 2040 67 64 39 0 0 0 0 0 0 0 0 34 0 0 0 0 0 0 0 029 2041 68 65 40 0 0 0 0 0 0 0 0 35 0 0 0 0 0 0 0 030 2042 69 66 41 0 0 0 0 0 0 0 0 36 0 0 0 0 0 0 0 031 2043 70 67 42 0 0 0 0 0 0 0 0 37 0 0 0 0 0 0 0 032 2044 71 68 43 0 0 0 0 0 0 0 0 38 0 0 0 0 0 0 0 033 2045 72 69 44 0 0 0 0 0 0 0 0 39 0 0 0 0 0 0 0 034 2046 73 70 45 0 0 0 0 0 0 0 0 40 0 0 0 0 0 0 0 035 2047 74 71 46 0 0 0 0 0 0 0 0 41 0 0 0 0 0 0 0 036 2048 75 72 47 0 0 0 0 0 0 0 0 42 0 0 0 0 0 0 0 037 2049 76 73 48 0 0 0 0 0 0 0 0 43 0 0 0 0 0 0 0 038 2050 77 74 49 0 0 0 0 0 0 0 0 44 0 0 0 0 0 0 0 039 2051 78 75 50 0 0 0 0 0 0 0 0 45 0 0 0 0 0 0 0 040 2052 79 76 51 0 0 0 0 0 0 0 0 46 0 0 0 0 0 0 0 041 2053 80 77 52 0 0 0 0 0 0 0 0 47 0 0 0 0 0 0 0 042 2054 81 78 53 0 0 0 0 0 0 0 0 48 0 0 0 0 0 0 0 043 2055 82 79 54 0 0 0 0 0 0 0 0 49 0 0 0 0 0 0 0 044 2056 83 80 55 0 0 0 0 0 0 0 0 50 0 0 0 0 0 0 0 045 2057 84 81 56 0 0 0 0 0 0 0 0 51 0 0 0 0 0 0 0 046 2058 85 82 57 0 0 0 0 0 0 0 0 52 0 0 0 0 0 0 0 047 2059 86 83 58 0 0 0 0 0 0 0 0 53 0 0 0 0 0 0 0 048 2060 87 84 59 0 0 0 0 0 0 0 0 54 0 0 0 0 0 0 0 049 2061 88 85 60 0 0 0 0 0 0 0 0 55 0 0 0 0 0 0 0 050 2062 89 86 61 0 0 0 0 0 0 0 0 56 0 0 0 0 0 0 0 0

Age : Child Future Planning - Future Need for Sandhya

Total Requirement : >>>>

Child Future Planning - Future Need for Kevin



Sr. No. Year Amar Patel Sangita PatelNeed-New Residential

House

Need-Motor Car

Need-Bike for Kevin

Need-Scooty for Sandhya

Need-2 Computer

System

Dream-Farm House & Land

Need-Home Appliances /

Furniture

Dream-Create Wealth for

Family0-0 Dream-

Foreign Tour

Dream-Domestic Long Tour

Total Amount to be

required.

Funds to be required to

provide regular expenses from

Retirement year onwards.

Retirement Need Provision -

Medical Expenses


Tour - Yatra



Reserve Balance

Total Amount to be

required.

5578468 952813 99296 92921 102103 8563017 420000 5000000 0 4595080 859051 26262749 71115515 1699782 2785963 2785963 3399564 817867861 2013 40 37 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 2014 41 38 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 2015 42 39 0 952813 0 0 0 0 0 0 0 0 0 952813 0 0 0 0 0 04 2016 43 40 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 05 2017 44 41 0 0 0 0 102103 0 0 0 0 0 0 102103 0 0 0 0 0 06 2018 45 42 0 0 99296 0 0 0 0 0 0 0 0 99296 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 08 2020 47 44 5578468 0 0 0 0 0 0 0 0 0 0 5578468 0 0 0 0 0 09 2021 48 45 0 0 0 92921 0 0 0 0 0 0 0 92921 0 0 0 0 0 0

10 2022 49 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 420000 0 0 0 0 420000 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 8563017 0 0 0 0 96265 8659282 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 111439 111439 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 1165379 1699782 2785963 2785963 3399564 1183664923 2035 62 59 0 0 0 0 0 0 0 0 0 767881 0 767881 1320672 0 0 0 0 132067224 2036 63 60 0 0 0 0 0 0 0 0 0 0 129004 129004 1487159 0 0 0 0 148715925 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 1665701 0 0 0 0 166570126 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 1857225 0 0 0 0 185722527 2039 66 63 0 0 0 0 0 0 0 0 0 0 149338 149338 2062740 0 0 0 0 206274028 2040 67 64 0 0 0 0 0 0 0 0 0 980032 0 980032 2283333 0 0 0 0 228333329 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 2520184 0 0 0 0 252018430 2042 69 66 0 0 0 0 0 0 0 0 0 0 172878 172878 2774571 0 0 0 0 277457131 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 3047879 0 0 0 0 304787932 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 3341609 0 0 0 0 334160933 2045 72 69 0 0 0 0 0 0 0 0 0 1250797 200128 1450925 3657387 0 0 0 0 365738734 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 3996981 0 0 0 0 399698135 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 4362304 0 0 0 0 436230436 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 4755438 0 0 0 0 475543837 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 5178639 0 0 0 0 517863938 2050 77 74 0 0 0 0 0 0 0 5000000 0 1596369 0 6596369 5634359 0 0 0 0 563435939 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 6125262 0 0 0 0 612526240 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 6654243 0 0 0 0 665424341 2053 80 77 0 0 0 0 0 0 0 0 0 0 0 0 7224450 0 0 0 0 722445042 2054 81 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 043 2055 82 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 044 2056 83 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 045 2057 84 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 046 2058 85 82 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 047 2059 86 83 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 048 2060 87 84 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 049 2061 88 85 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 050 2062 89 86 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Age :

Total Requirement : >>>>

Future Financial Need & Dream Retirement Need



For start in life

Marriage Expenses Marriage

Expenses

New Residential

HouseMotor Car

Regular Regular Lumpsum Lumpsum Regular Regular Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum

0 0 3438027 907680 0 0 0 1603568 5578468 952813 0 0 0 0 0 0 0

0% 0% 50% 40% 0% 0% 0% 50% 50% 50% 0% 0% 0% 0% 0% 0% 0%

0 0 1719014 363072 0 0 0 801784 2789234 476406 0 0 0 0 0 0 0

0 0 2029 2031 0 0 0 2032 2020 2015 0 0 0 0 0 0 0

N.A. N.A. No Yes N.A. N.A. N.A. Yes Yes Yes N.A. N.A. N.A. N.A. N.A. N.A. 0

4 - Jewellery /

Gold Ornaments

0 0 05 - Gold / Silver /

Ornaments

1 - Residential Building / Flat

2 - Four Wheelers 0 0 0 0 0

0 0 0 756400 0 0 0 1122497 2216183 218700 0 0 0 0 0 0 0

0 0 0 363072 0 0 0 801784 2216183 218700 0 0 0 0 0 0 0

0 0 1719014 0 0 0 0 0 573051 257706 0 0 0 0 0 0 0

N.A. N.A. Yes No N.A. N.A. N.A. No Yes Yes N.A. N.A. N.A. N.A. N.A. N.A. 0%

0% 0% 100% 0% 0% 0% 0% 0% 100% 100% 0% 0% 0% 0% 0% 0% 0%

0 0 1719014 0 0 0 0 0 573051 257706 0 0 0 0 0 0 0

N.A. N.A. No No N.A. N.A. N.A. No Yes Yes N.A. N.A. N.A. N.A. N.A. N.A. 0%

0% 0% 10% 0% 0% 0% 0% 0% 9% 12% 0% 0% 0% 0% 0% 0% 0%

0 0 10 0 0 0 0 0 15 5 0 0 0 0 0 0 0

0 0 22717 0 0 0 0 0 5812 5733 0 0 0 0 0 0 0

0 0 272603 0 0 0 0 0 69747 68790 0 0 0 0 0 0 0

0 0 1719014 544608 0 0 0 801784 2789234 476406 0 0 0 0 0 0 0

0 0 0 393328 0 0 0 320714 0 0 0 0 0 0 0 0 0

ParticularsPlanning For-Sandhya Future Need & DreamPlanning For-Kevin

Projected Loan Payment Period (in Years)

Monthly Installments

How much % of funding you wants through loan?

Goal Funding Amount from Future Loan

Future Loan to be paid from your Income?

If Yes, Please fill up following details

How much amount, you wants to utilise through Assets?

Outstanding Goal Amount After funding from Assets

Wants to take loan in future for goal funding?

Amount to be required in year / from year?

Wants to utilise current assets for goal funding?

Name of Assets, if you wants to use against Goal Funding

Estimated Interest Rate (%) on Future Loan (if any)

Yearly Loan Payment

After funding from loan (if any ) - Remaining Goal Amount to be mapped with Financial Investment Account

Balance of Assets amount (if any) after goal funding to be transfer to cash flow account

Requirement / Need type

Total Amount to be required for Financial Goal?

How much % of funding you expect through Assets Sale OR Future Loan?

Goal Funding amount expected through Assets Sale OR Future Loan.

Assets value to be available to utilise for Goal funding in that year



Sr. No. Year Amar Patel Sangita Patel

0 2012 39 36 23205 0 23205 0 0 73862 73862 97067 0 970671 2013 40 37 55000 53000 0 0 108000 72910 0 72910 18750 44000 0 62750 135660 0 0 108000 1356602 2014 41 38 60500 56180 0 0 116680 59160 0 59160 0 0 260000 260000 319160 0 0 116680 3191603 2015 42 39 66550 59551 952813 476406 602507 48410 0 48410 0 155195 50000 205195 253605 0 0 602507 2536054 2016 43 40 146410 63124 0 0 209534 38058 0 38058 0 0 854190 854190 892247 0 0 209534 8922475 2017 44 41 161051 66911 102103 0 330065 1708 0 1708 171225 0 48031 219256 220964 0 0 330065 2209646 2018 45 42 177156 70926 99296 0 347378 0 0 0 18750 0 0 18750 18750 0 0 347378 187507 2019 46 43 194872 75182 0 0 270053 0 0 0 0 0 70000 70000 70000 0 0 270053 700008 2020 47 44 214359 79692 5578468 2789234 3083285 0 0 0 255000 0 0 255000 255000 0 0 3083285 2550009 2021 48 45 235795 168948 92921 0 497664 0 0 0 0 227187 117171 344357 344357 0 0 497664 344357

10 2022 49 46 259374 179085 0 0 438459 0 0 0 108500 0 0 108500 108500 0 0 438459 10850011 2023 50 47 1426558 189830 0 0 1616388 0 0 0 89625 0 0 89625 89625 0 0 1616388 8962512 2024 51 48 1569214 201220 0 0 1770434 0 0 0 0 0 0 0 0 0 0 1770434 013 2025 52 49 1726136 345227 0 0 2071363 0 0 0 243125 0 0 243125 243125 0 0 2071363 24312514 2026 53 50 0 379750 0 0 379750 0 0 0 0 0 0 0 0 0 0 379750 015 2027 54 51 0 417725 0 0 417725 0 0 0 108500 0 0 108500 108500 0 0 417725 10850016 2028 55 52 0 2297486 0 0 2297486 0 0 0 0 0 0 0 0 0 0 2297486 017 2029 56 53 3438027 2527235 420000 1719014 4666249 0 0 0 0 0 0 0 0 0 0 4666249 018 2030 57 54 0 2779959 8659282 0 11439241 0 0 0 0 0 0 0 0 0 0 11439241 019 2031 58 55 907680 0 0 363072 544608 0 0 0 0 0 0 0 0 0 0 544608 020 2032 59 56 0 1603568 0 801784 801784 0 0 0 0 0 0 0 0 0 0 801784 021 2033 60 57 0 0 111439 0 111439 0 0 0 0 0 0 0 0 0 0 111439 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 11836649 15916649 11836649 1591664923 2035 62 59 0 0 767881 0 767881 0 0 0 0 0 0 0 0 1320672 0 2088553 024 2036 63 60 0 0 129004 0 129004 0 0 0 0 0 0 0 0 1487159 0 1616163 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 1665701 0 1665701 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 1857225 0 1857225 027 2039 66 63 0 0 149338 0 149338 0 0 0 0 0 0 0 0 2062740 0 2212078 028 2040 67 64 0 0 980032 0 980032 0 0 0 0 0 0 0 0 2283333 0 3263365 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 2520184 0 2520184 030 2042 69 66 0 0 172878 0 172878 0 0 0 0 0 0 0 0 2774571 0 2947449 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 3047879 0 3047879 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 3341609 0 3341609 033 2045 72 69 0 0 1450925 0 1450925 0 0 0 0 0 0 0 0 3657387 0 5108312 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 3996981 0 3996981 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 4362304 0 4362304 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 4755438 0 4755438 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 5178639 0 5178639 038 2050 77 74 0 0 6596369 0 6596369 0 0 0 0 0 0 0 0 5634359 0 12230728 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 6125262 0 6125262 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 6654243 0 6654243 041 2053 80 77 0 0 0 0 0 0 0 0 0 0 0 0 0 7224450 0 7224450 042 2054 81 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 043 2055 82 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 044 2056 83 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 045 2057 84 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Total Amount Of Future

Need / Dreams /

Retirement Need Etc.

Regular Income from

Debt Investment (Other than

MF)

Mutual Fund Regular

Withdrawal (SWP)

Income from InvestmentTotal inflow

through Interest / Sys.

Withdrawal from

Investment Account

Inflow through Maturity Proceeds. Investments Account

Total Income / Maturity

Proceeds Amount from

Traditional Plan

Aggregate Amt. of Need & Fund

Required Net Total Amount of Goal Funding (Other than Retirement Need)

Inflow through Maturity proceeds of Life Insurance Schemes / Fixed Return Schemes & Interest Income on Investments. ( For Other than Retirement Need ) Retirement Need

Total Inflow throgh

Maturity Proceeds & Investment

Income, Retirement Fund Etc.

Summary Data - For Child Future Need / Other Future Need &

Dreams / Retirement Needs &

Funds available through Maturity proceeds of Investment / Interest Income & Retirement

Benefit / PPF A/c. Etc.

Total Amount of Goal

Funding to be from Sale of

Assets & Future Loan -

Rs.

Child Future Planning -

Future Need for Kevin


Future Need for Sandhya

Future Financial Need & Dream

Total Amount - Post

Retirement Expenses &

Funding Need - Rs.

Retirement Benefit /

Investment Maturity

proceeds of Retirement

Account

Total inflow through Maturity

proceeds of Investment

Account

Total Inflow - Investment Income & Maturity

Proceeds of Investment

Account


from Financial

Investment Portfolio - Rs.


Proceeds Amount from Unit Linked

Plan

Total Amount of Maturity

Proceeds from Postal

Schemes / Bonds - NCD /

FDR



Year Sr. No. upto

Retirement

Year Age

Opening Balance

( Investments in Direct

Equity & MF)( 1 )

C/F - Cash - Net Balance - From Earning

Cash Flow ( 2 )

Inflow of Maturity Amount

(See Annexure )

( 3 )

Net Flow During the

Year (4)

(2+3)

Available Balance for

Funding ( 5 )(1+4)

Fund Require for - Future Financial

Need / Goals( 6 )

Balance After Fundings

( 7 )( 5-6 )

Opening Balance of SIP A/c. at Each Year

( 8 )

Possible Goal fundings from

SIP Corpus( 9 )

( 8-7)

SIP Balance After

Fundings( 10 )( 8-9)

Outstanding / Shortfall of

Goal Amount( 11 )( 7-9)

Weighted Average Rate

of Return ( Stock + MF

Portfolio)( 11 )

Return on Balance Amount

(13)( 7 x 12)

Closing Balance

( On Cash Basis)

(14)(7+13)


(Financial Investment)

Amt. Rs.


%wise



Primary Cash Flow Shortfall

0 2012 39 2022932 0 97067 97067 2119999 250000 1869999 0 0 49519 0 0.00% 0 1869999 64558039 52% 59595266 48% 109021 2013 40 1869999 43783 135660 179443 2049441 108000 1941441 49519 0 226754 0 9.54% 185128 2126569 108000 100% 0 0% 02 2014 41 2126569 88470 319160 407630 2534199 116680 2417519 226754 0 445501 0 9.54% 230524 2648044 116680 100% 0 0% 03 2015 42 2648044 82315 253605 335920 2983964 602507 2381456 445501 0 712434 0 9.54% 227086 2608542 602507 100% 0 0% 04 2016 43 2608542 -102751 892247 789496 3398038 209534 3188504 712434 0 1035299 0 9.88% 315157 3503662 209534 100% 0 0% 05 2017 44 3503662 22459 220964 243423 3747085 330065 3417020 1035299 0 1423087 0 9.88% 337744 3754764 330065 100% 0 0% 06 2018 45 3754764 38559 18750 57309 3812073 347378 3464694 1423087 0 1886235 0 9.88% 342456 3807151 347378 100% 0 0% 07 2019 46 3807151 52714 70000 122714 3929864 270053 3659811 1886235 0 2436857 0 9.88% 361742 4021553 270053 100% 0 0% 08 2020 47 4021553 31385 255000 286385 4307938 3083285 1224653 2436857 0 3089015 0 12.00% 146958 1371611 3083285 100% 0 0% 09 2021 48 1371611 120102 344357 464459 1836070 497664 1338406 3089015 0 3859031 0 12.00% 160609 1499015 497664 100% 0 0% 0

10 2022 49 1499015 9643 108500 118143 1617159 438459 1178700 3859031 0 4765852 0 12.00% 141444 1320144 438459 100% 0 0% 011 2023 50 1320144 55735 89625 145360 1465503 1616388 -150885 4765852 150885 5656330 0 12.00% 0 0 1616388 100% 0 0% 012 2024 51 0 47787 0 47787 47787 1770434 -1722646 5656330 1722646 4878548 0 12.00% 0 0 1770434 100% 0 0% 013 2025 52 0 32331 243125 275456 275456 2071363 -1795907 4878548 1795907 3903717 0 12.00% 0 0 2071363 100% 0 0% 014 2026 53 0 25160 0 25160 25160 379750 -354590 3903717 354590 4458214 0 12.00% 0 0 379750 100% 0 0% 015 2027 54 0 13678 108500 122178 122178 417725 -295547 4458214 295547 5183404 0 12.00% 0 0 417725 100% 0 0% 016 2028 55 0 6728 0 6728 6728 2297486 -2290758 5183404 2290758 3722243 0 12.00% 0 0 2297486 100% 0 0% 017 2029 56 0 538 0 538 538 4666249 -4665711 3722243 1718475 2703495 2947235 12.00% 0 0 1719014 37% 2947235 63% 018 2030 57 0 -2400 0 -2400 -2400 11439241 -11441641 2703495 0 3528727 11441641 12.00% 0 0 0 0% 11439241 100% 240019 2031 58 0 391619 0 391619 391619 544608 -152989 3528727 152989 4322058 0 12.00% 0 0 544608 100% 0 0% 020 2032 59 0 313716 0 313716 313716 801784 -488067 4322058 488067 4866998 0 12.00% 0 0 801784 100% 0 0% 021 2033 60 0 -8501 0 -8501 -8501 111439 -119940 4866998 111439 5949734 8501 12.00% 0 0 111439 100% 0 0% 850122 2034 61 0 -5659 15916649 15910990 15910990 11836649 4074341 13514755 0 13514755 0 7.00% 1231237 18820333 11836649 100% 0 0% 00 2035 62 18820333 1248161 0 1248161 20068494 2088553 17979941 0 0 0 0 7.00% 1258596 19238537 2088553 100% 0 0% 00 2036 63 19238537 1434254 0 1434254 20672791 1616163 19056627 0 0 0 0 7.00% 1333964 20390591 1616163 100% 0 0% 00 2037 64 20390591 1562224 0 1562224 21952816 1665701 20287115 0 0 0 0 7.00% 1420098 21707213 1665701 100% 0 0% 00 2038 65 21707213 0 0 0 21707213 1857225 19849988 0 0 0 0 7.00% 1389499 21239487 1857225 100% 0 0% 00 2039 66 21239487 0 0 0 21239487 2212078 19027409 0 0 0 0 7.00% 1331919 20359327 2212078 100% 0 0% 00 2040 67 20359327 0 0 0 20359327 3263365 17095962 0 0 0 0 7.00% 1196717 18292680 3263365 100% 0 0% 00 2041 68 18292680 0 0 0 18292680 2520184 15772496 0 0 0 0 7.00% 1104075 16876570 2520184 100% 0 0% 00 2042 69 16876570 0 0 0 16876570 2947449 13929121 0 0 0 0 7.00% 975038 14904160 2947449 100% 0 0% 00 2043 70 14904160 0 0 0 14904160 3047879 11856281 0 0 0 0 7.00% 829940 12686220 3047879 100% 0 0% 00 2044 71 12686220 0 0 0 12686220 3341609 9344612 0 0 0 0 7.00% 654123 9998735 3341609 100% 0 0% 00 2045 72 9998735 0 0 0 9998735 5108312 4890423 0 0 0 0 7.00% 342330 5232752 5108312 100% 0 0% 00 2046 73 5232752 0 0 0 5232752 3996981 1235771 0 0 0 0 7.00% 86504 1322275 3996981 100% 0 0% 00 2047 74 1322275 0 0 0 1322275 4362304 -3040029 0 0 0 3040029 7.00% 0 0 1322275 30% 3040029 70% 00 2048 75 0 0 0 0 0 4755438 -4755438 0 0 0 4755438 7.00% 0 0 0 0% 4755438 100% 00 2049 76 0 0 0 0 0 5178639 -5178639 0 0 0 5178639 7.00% 0 0 0 0% 5178639 100% 00 2050 77 0 0 0 0 0 12230728 -12230728 0 0 0 12230728 7.00% 0 0 0 0% 12230728 100% 00 2051 78 0 0 0 0 0 6125262 -6125262 0 0 0 6125262 7.00% 0 0 0 0% 6125262 100% 00 2052 79 0 0 0 0 0 6654243 -6654243 0 0 0 6654243 7.00% 0 0 0 0% 6654243 100% 00 2053 80 0 0 0 0 0 7224450 -7224450 0 0 0 7224450 7.00% 0 0 0 0% 7224450 100% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0

SIP Cash Flow ( Incl. Retirement Fund) Shortfall, Return & Closing BalanceYear Wise Goal Gap / Shortfall AnalysisFinancial Investment Portfolio - Cash Flow with Goal Mapping

Lumpsum - Financial Investment + Retirement Portfolio



Required Goal Amount Rs.

Required Lumpsum

Investment

Required Amount Rs.

Required Lumpsum

Investment


Required Lumpsum

Investment

Required Monthly

Investment

Required Amount Rs.

Required Lumpsum

Investment

Required Monthly

Investment


Required Lumpsum

Investment

Required Regular

Investment

Required Amount Rs.

Required Lumpsum

Investment

Required Regular

InvestmentMonthly Monthly

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

50000 1 / 3 182050 155624 0 0 0 0 0 0 0 0 0 0 0 0 0 0

100000 4 / 4 0 0 0 0 679489 420627 8990 0 0 0 0 0 0 0 0 0

100000 8 / 3 0 0 0 0 0 0 0 0 0 0 709528 255117 3397 0 0 0

500000 11 / 3 0 0 0 0 0 0 0 0 0 0 4721908 1208465 12493 0 0 0

1500000 17 / 1 0 0 0 0 0 0 0 0 0 0 3438027 500729 3657 0 0 0

300000 19 / 1 0 0 0 0 0 0 0 0 0 0 907680 105388 701 0 0 0

182050 155624 0 0 679489 420627 8990 0 0 0 9777143 2069700 20249 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

50000 1 / 8 168731 144513 0 0 276143 171624 3668 0 0 0 79692 32186 429 0 0 0

100000 9 / 4 0 0 0 0 0 0 0 0 0 0 739082 224804 2724 0 0 0

100000 13 / 3 0 0 0 0 0 0 0 0 0 0 1142702 233138 2113 0 0 0

500000 16 / 3 0 0 0 0 0 0 0 0 0 0 7604680 1104352 8476 5307194 729582 5328

500000 20 / 1 0 0 0 0 0 0 0 0 0 0 1603568 166237 1058 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

168731 144513 0 0 276143 171624 3668 0 0 0 11169724 1760718 14800 5307194 729582 5328

3500000 8 / 1 0 0 0 0 0 0 0 0 0 0 5578468 2253050 30002 0 0 0

800000 3 / 1 952813 756374 0 0 0 0 0 0 0 0 0 0 0 0 0 0

70000 6 / 1 0 0 0 0 99296 59207 848 0 0 0 0 0 0 0 0 0

55000 9 / 1 0 0 0 0 0 0 0 0 0 0 92921 33508 406 0 0 0

80000 5 / 1 0 0 0 0 102103 66360 1138 0 0 0 0 0 0 0 0 0

250000 17 / 1 0 0 0 0 0 0 0 0 0 0 420000 61171 447 420000 61171 447

952813 756374 0 0 201399 125567 1986 0 0 0 6091390 2347729 30855 420000 61171 447

7224450 21 / 1 0 0 0 0 0 0 0 0 0 0 71115515 2716122 25362 38612420 1057555 9875

500000 21 / 1 0 0 0 0 0 0 0 0 0 0 1699782 140474 1312 0 0 0

1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 2785963 230239 2150 0 0 0

1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 2785963 230239 2150 0 0 0

1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 3399564 280948 2623 0 0 0

0 0 0 0 0 0 0 0 0 0 81786786 3598023 33596 38612420 1057555 9875

3000000 18 / 1 0 0 0 0 0 0 0 0 0 0 8563017 1113531 7755 8563017 1113531 7755

5000000 21 / 1 0 0 0 0 0 0 0 0 0 0 5000000 139969 818 5000000 139969 818

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

40000 18 / Every 3 Year 0 0 0 0 0 0 0 0 0 0 859051 57117 398 96265 12518 87

250000 21 / Every 5 Year 0 0 0 0 0 0 0 0 0 0 4595080 207075 1210 1596369 44689 261

0 0 0 0 0 0 0 0 0 0 19017148 1517693 10180 15255652 1310707 8921

1303594 1056511 0 0 1157030 717817 14645 0 0 0 127842191 11293862 109680 59595266 3159016 24571

Financial Goalwise - Gross Investment Need & Investment Need for Goal Shortfall

Graduation & Higher Education

Post Graduation & Master Degree

Foreign Tour

For Short Term Need - Next 3 Years -Investment required @ 8%

For Full Goal Amount For ShortfallPresent Cost of Goal OR Target Goal Amount

Selected Financial Goal

Reserve Balance

Farm House & Land

Create Wealth for Family

0

Domestic Long Tour

Marriage Expenses

0

New Residential House

Motor Car

Bike for Kevin

Scooty for Sandhya


Future Dreams

Planning For-Kevin

Donation / Gift

Future Need

For start in life

Marriage Expenses

Pre-Primary & Primary Education



0

Secondary & Higher Sec. EducationPlanning For-

Sandhya

2 Computer System

Home Appliances / Furniture

Today onwards - available years

for Regular Investment

& Funds

requirement for No. of Years

0

Medical Expenses

Tour - Yatra




For Medium Term Need -4 to 7 Years - Investment required @9% For Long Term Need -8 to 22 Years - Investment required @12% & 23 years onwards - Post Retirement @7%

For ShortfallFor Full Goal Amount For Shortfall For Full Goal Amount



0% 0%

100% 0%

100% 0%

100% 0%

100% 0%

100% 0%

100% 0%

100% 0%

0% 0%

100% 0%

100% 0%

100% 0%

30% 70%

100% 0%

0% 0%

54% 46%

100% 0%

100% 0%

100% 0%

100% 0%

100% 0%

0% 100%

94% 6%

46% 54%

100% 0%

100% 0%

100% 0%

100% 0%

53% 47%

0% 100%

0% 100%

0% 0%

89% 11%

65% 35%

20% 80%

54% 46%


%wise

Shortfall in Goal %wise Financial Goal Gap Analysis

Future Dreams

Futu

re F

inan

cial

G

oal

Retir

emen

t Pl

anni

ngCh

ild F

utur

e Pl

anni

ng


Planning For-Kevin







Planning For-

Sandhya

Aggregate :











Futu

re F

inan

cial

G

oal Future

Need












0

1000000

2000000

3000000

4000000

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053

Funds to be available Shortfall in Funds Funds to be required

0%

20%

40%

60%

80%

100%

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053

Funds to be available Shortfall in Funds

0

1000000

2000000

3000000

4000000

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


0%

20%

40%

60%

80%

100%

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


0

2000000

4000000

6000000

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


0%20%40%60%80%

100%

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


0

500000010000000

1500000020

13

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


0

5000000

10000000

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


0%

50%

100%

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


0%

50%

100%

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053




1080

00

1166

80

6025

07

2095

34

3300

65

3473

78

2700

53

3083

285

4976

64

4384

59

1616

388

1770

434

2071

363

3797

50

4177

25

2297

486

4666

249

1143

9241

5446

08

8017

84

1114

39

1183

6649

2088

553

1616

163

1665

701

1857

225

2212

078 32

6336

5

2520

184

2947

449

3047

879

3341

609

5108

312

3996

981

4362

304

4755

438

5178

639

1223

0728

6125

262

6654

243

7224

450

0

2000000

4000000

6000000

8000000

10000000

12000000

14000000

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

2030

2031

2032

2033

2034

2035

2036

2037

2038

2039

2040

2041

2042

2043

2044

2045

2046

2047

2048

2049

2050

2051

2052

2053

Yearwise Amountwise Goal Gap Analysis

Shortfall in Funds

Funds to be available

Funds to be required

0%10%20%30%40%50%60%70%80%90%

100%

2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053

Yearwise %wise Goal Gap Analysis



Age

39366460116

Personal & Dependant InformationName Sex Relationship Current Status Health Status Date of Birth

Amar Patel Male Self Doing Job Very Good 07/05/1973Sangita Patel Female Spouse / Wife Working Very Good 16/07/1976

Sujataben Patel Female Mother Retired Average 22/11/1951

Maheshbhai Patel Male Father Retired Above Average 05/02/1948

Sandhya Female Daughter Studying Very Good 26/02/2006

Kevin Male Son Studying Very Good 18/04/2001

0 0 0 0 0 0

0 0 0 0 0 0

Family Health Information & History

Name Covered under Health Insurance?

Any permanent physical disability?

Continue on any Medications or Drugs?

Major Surgery /Hospitalisation in last 5

Years?

Have you or any family member ever suffered / suffering from?

Self Family History

Heart DiseaseSangita Patel Yes No No No 0 0Amar Patel Yes No No No 0

Heart DiseaseSujataben Patel No No Yes No Diabetes 0Maheshbhai Patel No No Yes No High / Low BP

0Sandhya Yes No No No 0 0Kevin Yes No No No 0

Health Insurance Policy DetailsPolicy Name Insurer Company Policy Type Annual Premium Sum Assured Start Date No. of Insured Person

00 0 0 0 0 0 00 0 0 0 0 0

40 0 0 0 0 0 0

XYZ ABC Floating 4400 200000 22/09/2003

00 0 0 0 0 0 00 0 0 0 0 0

0Group Mediclaim 0 0 0 0 0 0

0 0 0 0 0 0



Policy Type

0 00 00 0

Personal Accident 0 0 0 0 0

Planner's Comments / Advice - On Health Insurance Coverage

No. of Family

Person / Assets

Pure Risk Coverage - General Insurance Policy Details

Insurance Policy ( For) Name of Person Insured Insurer Company Rider (if any) Start Date Annual

Premium Sum Assured

Suggested Health Cover

Indicative Annual

Premium Amount

Individual OR Floating

From Company

Policy Name

Critical Illness 0 0 0 0 0

Group Pers.Accident 0 0 0 0 0

0 00 0Household 0 0 0 0

Vehicles 0 0 0 0

Policy For / To Cover

Planner's Comments / Advice on other General Insurance Coverage / Risk Protection

From Company

Policy NameSuggested

Cover

Indicative Annual

Premium Amount



Navsari

Pre-Primary &

Primary Education


Graduation & Higher

Education

Post Graduation & Master Degree For start in life Marriage

ExpensesTotal Amount

Rs.

0 High High Optional High High High

0 50000 100000 100000 500000 1500000 300000 2550000

Goal Cost / Expenses Will Grow @% wise 0% 10% 10% 10% 10% 5% 6%

OR @Amountwise year on year 0 0 0 0 0 0 0

0 1 4 8 11 17 19

0 2013 2016 2020 2023 2029 2031

0 3 4 3 3 1 1

0 2015 2019 2022 2025 2029 2031

0 1 4 8 11 17 19

0 2013 2016 2020 2023 2029 2031

0 12 15 19 22 28 30

This period is remain same in most of time,

except if there is early

retirement desired before Fin. Goal year

arrival.

Financial Goal Priority

To be required in Year / Or / Goal start beginning from Year

Current Cost / Expenses -You wants to provide :

Inflation Effect

Years left to Financial Goal Arrival

Requirement up to Year

Regular Investment to be required for No. of Years from today onwards

Requirement for Period / Total No. of Years

Regular Investment to be required up to year from today onwards

Financial Goal / Requirement - will start - Child age at each goal stage

Planning For-KevinYour Selection - Planning For-

Kevin



Navsari

0 2013 0 0 0 0 0

0 182050 0 0 0 0 0 182050

0 0 0 0 0 0 0 0

Lumpsum 0 155624 0 0 0 0 0 155624

Sr. No. Year Age Rate of Return

Lump sum Investment Require / Opening Balance

Pre-Primary &

Primary Education


Graduation & Higher

Education


Expenses Total Needs Interest on Balance Amt.

Closing Balance

1 2012 39 8% 155624 12450 168074

2 2013 40 8% 168074 0 55000 0 0 0 0 0 55000 9046 122120

3 2014 41 8% 122120 0 60500 0 0 0 0 0 60500 4930 66550

4 2015 42 8% 66550 0 66550 0 0 0 0 0 66550 0 0

Short Term Requirement (if any)

Investment to be required @%

8%Pre Retirement Period

Required in Year / From Year

Required Amount

Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow.



Navsari

0 0 2016 0 0 0 0

0 0 679489 0 0 0 0 679489

0 0 0 0 0 0 0 0

Lumpsum 0 0 420627 0 0 0 0 420627

Monthly 0 0 8990 0 0 0 0 8990



Pre-Primary &

Primary Education


Graduation & Higher

Education



Closing Balance

1 2012 39 9% 420627 37856 458483

2 2013 40 9% 458483 0 0 0 0 0 0 0 0 41263 499746

3 2014 41 9% 499746 0 0 0 0 0 0 0 0 44977 544724

4 2015 42 9% 544724 0 0 0 0 0 0 0 0 49025 593749

5 2016 43 9% 593749 0 0 146410 0 0 0 0 146410 40260 487599

6 2017 44 9% 487599 0 0 161051 0 0 0 0 161051 29389 355937

7 2018 45 9% 355937 0 0 177156 0 0 0 0 177156 16090 194872

8 2019 46 9% 194872 0 0 194872 0 0 0 0 194872 0 0

0 0 0 2020 2023 2029 2031

0 0 0 709528 4721908 3438027 907680 9777143

0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 2020 2023 2029 2031

0 0 0 709528 4721908 3438027 907680 9777143

0 0 0 0 0 0 0 0

Pre Retirement 12% Post Retirement 7% Lumpsum 0 0 0 255117 1208465 500729 105388 2069700

Monthly 0 0 0 3397 12493 3657 701 20249

Quarterly 0 0 0 10156 37496 11072 2129 60854

Half Yearly 0 0 0 20208 75029 22434 4333 122004

Yearly 0 0 0 40014 150123 45941 8948 245026

Regular Investment Amount is

suggested upto Goal Starting

Year OR Upto

Retirement Year -

Whichever is arising earlier.

Lumpsum Investment to be required @%

Pre Retirement Period9%

15%

Required in Year / From YearLong Term Requirement

Pre Retirement

Required Amount


Required AmountConsolidated Requirement

Post Retirement


Required Amount


Required in Year / From YearMedium Term

Requirement (if any)

SIP OR Other Regular Investment recommendations are for need away 5 Year

from now and upto Goal Starts OR Retirement period starts,whichever arises earlier only.-

@Projected Return ->>

15%

Required Amount



Navsari

0 0 0 255117 1208465 500729 105388 2069700

0 0 0 3397 12493 3657 701 20249



N.A.Pre-Primary &

Primary Education


Graduation & Higher

Education



Closing Balance

1 2012 39 12% 2069700 248364 23180642 2013 40 12% 2318064 0 0 0 0 0 0 0 0 278168 25962323 2014 41 12% 2596232 0 0 0 0 0 0 0 0 311548 29077794 2015 42 12% 2907779 0 0 0 0 0 0 0 0 348934 32567135 2016 43 12% 3256713 0 0 0 0 0 0 0 0 390806 36475186 2017 44 12% 3647518 0 0 0 0 0 0 0 0 437702 40852217 2018 45 12% 4085221 0 0 0 0 0 0 0 0 490226 45754478 2019 46 12% 4575447 0 0 0 0 0 0 0 0 549054 51245019 2020 47 12% 5124501 0 0 0 214359 0 0 0 214359 589217 5499359

10 2021 48 12% 5499359 0 0 0 235795 0 0 0 235795 631628 589519211 2022 49 12% 5895192 0 0 0 259374 0 0 0 259374 676298 631211612 2023 50 12% 6312116 0 0 0 0 1426558 0 0 1426558 586267 547182413 2024 51 12% 5471824 0 0 0 0 1569214 0 0 1569214 468313 437092314 2025 52 12% 4370923 0 0 0 0 1726136 0 0 1726136 317374 296216215 2026 53 12% 2962162 0 0 0 0 0 0 0 0 355459 331762116 2027 54 12% 3317621 0 0 0 0 0 0 0 0 398115 371573617 2028 55 12% 3715736 0 0 0 0 0 0 0 0 445888 416162418 2029 56 12% 4161624 0 0 0 0 0 3438027 0 3438027 86832 81042819 2030 57 12% 810428 0 0 0 0 0 0 0 0 97251 90768020 2031 58 12% 907680 0 0 0 0 0 0 907680 907680 0 021 2032 59 12% 0 0 0 0 0 0 0 0 0 0 022 2033 60 12% 0 0 0 0 0 0 0 0 0 0 023 2034 61 7% 0 0 0 0 0 0 0 0 0 0 024 2035 62 7% 0 0 0 0 0 0 0 0 0 0 025 2036 63 7% 0 0 0 0 0 0 0 0 0 0 026 2037 64 7% 0 0 0 0 0 0 0 0 0 0 027 2038 65 7% 0 0 0 0 0 0 0 0 0 0 028 2039 66 7% 0 0 0 0 0 0 0 0 0 0 029 2040 67 7% 0 0 0 0 0 0 0 0 0 0 030 2041 68 7% 0 0 0 0 0 0 0 0 0 0 031 2042 69 7% 0 0 0 0 0 0 0 0 0 0 032 2043 70 7% 0 0 0 0 0 0 0 0 0 0 033 2044 71 7% 0 0 0 0 0 0 0 0 0 0 034 2045 72 7% 0 0 0 0 0 0 0 0 0 0 035 2046 73 7% 0 0 0 0 0 0 0 0 0 0 036 2047 74 7% 0 0 0 0 0 0 0 0 0 0 037 2048 75 7% 0 0 0 0 0 0 0 0 0 0 038 2049 76 7% 0 0 0 0 0 0 0 0 0 0 051 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0

Monthly Investment (up to Goal Start ) to be required for each Goal

Total Lump sum amt. required

Total amt. required - Monthly

Lump sum Investment to be required for each Goal



Navsari

Pre-Primary &

Primary Education


Graduation & Higher

Education


Expenses Total Amount

0 182050 679489 709528 4721908 3438027 907680 10638682

0

Goal Funding through Sale of Assets0 0 0 0 0 0 363072 363072

Goal Funding through Future Loan0 0 0 0 0 1719014 0 1719014

Goal Funding through Financial Investments0 182050 679489 709528 4721908 1719014 544608 8556597

Goal Shortfall0 0 0 0 0 0 0 0

0% 100% 100% 100% 100% 100% 100% 100%

0% 0% 0% 0% 0% 0% 0% 0%Shortfall of Goal Amount (% wise ) : :

Calculating with your actual cash flow. :

Goal Status : Particulars

Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow :

Shortfall of Goal Amount : :Calculating with your actual cash flow. :

Possible Achievement of Future Goal ( %wise ) : : with your Actual Cash Flow :

Goal Funding through Sale of Assets

Goal Funding through Future Loan

Goal Funding through Financial Investments

Total Amount of Future Goal : - To be required - (Amount Rs. ) :

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Pre-Primary &Primary

Education

Secondary &Higher Sec.Education

Graduation &Higher

Education

Post Graduation& Master

Degree

For start in life MarriageExpenses

Goal Gap Analysis

Goal Shortfall

Goal Funding throughFinancial Investments

Goal Funding throughFuture Loan

Goal Funding through Saleof Assets



Navsari

0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

Lumpsum 0 0 0 0 0 0 0 0



Pre-Primary &

Primary Education


Graduation & Higher

Education



Closing Balance

1 2012 39 8% 0 0 0

2 2013 40 8% 0 0 0 0 0 0 0 0 0 0 0

3 2014 41 8% 0 0 0 0 0 0 0 0 0 0 0

4 2015 42 8% 0 0 0 0 0 0 0 0 0 0 0

8%


Pre Retirement Period


Required Amount


Lumpsum Or Regular Cash amount required to be invest after calculating & analysing

future earning & Investment cash flow for shortfall (if any)



Navsari

0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

Lumpsum 0 0 0 0 0 0 0 0

Monthly 0 0 0 0 0 0 0 0



Pre-Primary &

Primary Education


Graduation & Higher

Education



Closing Balance

1 2012 39 9% 0 0 0 0

2 2013 40 9% 0 0 0 0 0 0 0 0 0 0 0

3 2014 41 9% 0 0 0 0 0 0 0 0 0 0 0

4 2015 42 9% 0 0 0 0 0 0 0 0 0 0 0

5 2016 43 9% 0 0 0 0 0 0 0 0 0 0 0

6 2017 44 9% 0 0 0 0 0 0 0 0 0 0 0

7 2018 45 9% 0 0 0 0 0 0 0 0 0 0 0

8 2019 46 9% 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0


Monthly 0 0 0 0 0 0 0 0

Quarterly 0 0 0 0 0 0 0 0

Half Yearly 0 0 0 0 0 0 0 0

Yearly 0 0 0 0 0 0 0 0




Year OR Upto

Retirement Year -


Required Amount


Medium Term Requirement (if any)


Required Amount


Pre Retirement

15%




15%

Long Term Requirement

Required Amount



Required Amount

9%


Post Retirement

Consolidated Requirement



Navsari

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0



Pre-Primary &

Primary Education


Graduation & Higher

Education



Closing Balance

1 2012 39 12% 0 0 02 2013 40 12% 0 0 0 0 0 0 0 0 0 0 03 2014 41 12% 0 0 0 0 0 0 0 0 0 0 04 2015 42 12% 0 0 0 0 0 0 0 0 0 0 05 2016 43 12% 0 0 0 0 0 0 0 0 0 0 06 2017 44 12% 0 0 0 0 0 0 0 0 0 0 07 2018 45 12% 0 0 0 0 0 0 0 0 0 0 08 2019 46 12% 0 0 0 0 0 0 0 0 0 0 09 2020 47 12% 0 0 0 0 0 0 0 0 0 0 0

10 2021 48 12% 0 0 0 0 0 0 0 0 0 0 011 2022 49 12% 0 0 0 0 0 0 0 0 0 0 012 2023 50 12% 0 0 0 0 0 0 0 0 0 0 013 2024 51 12% 0 0 0 0 0 0 0 0 0 0 014 2025 52 12% 0 0 0 0 0 0 0 0 0 0 015 2026 53 12% 0 0 0 0 0 0 0 0 0 0 016 2027 54 12% 0 0 0 0 0 0 0 0 0 0 017 2028 55 12% 0 0 0 0 0 0 0 0 0 0 018 2029 56 12% 0 0 0 0 0 0 0 0 0 0 019 2030 57 12% 0 0 0 0 0 0 0 0 0 0 020 2031 58 12% 0 0 0 0 0 0 0 0 0 0 021 2032 59 12% 0 0 0 0 0 0 0 0 0 0 022 2033 60 12% 0 0 0 0 0 0 0 0 0 0 023 2034 61 7% 0 0 0 0 0 0 0 0 0 0 024 2035 62 7% 0 0 0 0 0 0 0 0 0 0 025 2036 63 7% 0 0 0 0 0 0 0 0 0 0 026 2037 64 7% 0 0 0 0 0 0 0 0 0 0 027 2038 65 7% 0 0 0 0 0 0 0 0 0 0 028 2039 66 7% 0 0 0 0 0 0 0 0 0 0 029 2040 67 7% 0 0 0 0 0 0 0 0 0 0 030 2041 68 7% 0 0 0 0 0 0 0 0 0 0 031 2042 69 7% 0 0 0 0 0 0 0 0 0 0 032 2043 70 7% 0 0 0 0 0 0 0 0 0 0 033 2044 71 7% 0 0 0 0 0 0 0 0 0 0 034 2045 72 7% 0 0 0 0 0 0 0 0 0 0 035 2046 73 7% 0 0 0 0 0 0 0 0 0 0 036 2047 74 7% 0 0 0 0 0 0 0 0 0 0 037 2048 75 7% 0 0 0 0 0 0 0 0 0 0 038 2049 76 7% 0 0 0 0 0 0 0 0 0 0 039 2050 77 7% 0 0 0 0 0 0 0 0 0 0 040 2051 78 7% 0 0 0 0 0 0 0 0 0 0 041 2052 79 7% 0 0 0 0 0 0 0 0 0 0 042 2053 80 0% 0 0 0 0 0 0 0 0 0 0 043 2054 81 0% 0 0 0 0 0 0 0 0 0 0 051 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0

Total amt. required - Monthly

Lump sum Investment to be required for each Goal Total Lump sum amt. required

Monthly Investment (up to Goal Start ) to be required for each Goal



Pre-Primary &

Primary Education


Graduation & Higher

Education


Marriage Expenses Total Amount

Rs.

0 High High High High High 0

0 50000 100000 100000 500000 500000 0 1250000

Goal Cost / Expenses Will Grow @% wise 0% 6% 6% 10% 10% 6% 0%

OR @Amountwise year on year 0 0 0 0 0 0 0

0 1 9 13 16 20 0

0 2013 2021 2025 2028 2032 0

0 8 4 3 3 1 0

0 2020 2024 2027 2030 2032 0

0 1 9 13 16 20 0

0 2013 2021 2025 2028 2032 0

0 7 15 19 22 26 0

Your Selection - Planning For-Sandhya



Years left to Financial Goal ArrivalThis period is

remain same in most of time,



arrival.






Inflation Effect

Financial Goal / Requirement - will start - Child age at each goal stage

Planning For-Sandhya



0 2013 0 0 0 0 0

0 168731 0 0 0 0 0 168731

0 0 0 0 0 0 0 0

Lumpsum 0 144513 0 0 0 0 0 144513



Pre-Primary &

Primary Education


Graduation & Higher

Education


Marriage Expenses Total Needs Interest on

Balance Amt.Closing Balance

1 2012 39 8% 144513 11561 156074

2 2013 40 8% 156074 0 53000 0 0 0 0 0 53000 8246 111320

3 2014 41 8% 111320 0 56180 0 0 0 0 0 56180 4411 59551

4 2015 42 8% 59551 0 59551 0 0 0 0 0 59551 0 0


Required Amount







0 2016 0 0 0 0 0

0 276143 0 0 0 0 0 276143

0 0 0 0 0 0 0 0

Lumpsum 0 171624 0 0 0 0 0 171624

Monthly 0 3668 0 0 0 0 0 3668



Pre-Primary &

Primary Education


Graduation & Higher

Education




1 2012 39 9% 171624 15446 187070

2 2013 40 9% 187070 0 0 0 0 0 0 0 0 16836 203906

3 2014 41 9% 203906 0 0 0 0 0 0 0 0 18352 222258

4 2015 42 9% 222258 0 0 0 0 0 0 0 0 20003 242261

5 2016 43 9% 242261 0 63124 0 0 0 0 0 63124 16122 195260

6 2017 44 9% 195260 0 66911 0 0 0 0 0 66911 11551 139900

7 2018 45 9% 139900 0 70926 0 0 0 0 0 70926 6208 75182

8 2019 46 9% 75182 0 75182 0 0 0 0 0 75182 0 0

0 2020 2021 2025 2028 2032 0

0 79692 739082 1142702 7604680 1603568 0 11169724

0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 2020 2021 2025 2028 2032 0

0 79692 739082 1142702 7604680 1603568 0 11169724

0 0 0 0 0 0 0 0


Monthly 0 429 2724 2113 8476 1058 0 14800

Quarterly 0 1281 8154 6359 25624 3218 0 44636

Half Yearly 0 2550 16254 12775 51805 6564 0 89948

Yearly 0 5048 32294 25751 105659 13611 0 182364



Year OR Upto

Retirement Year -


Required Amount


Required Amount

Pre Retirement

Post Retirement





Required Amount


15%







Required Amount

9%

15%




0 32186 224804 233138 1104352 166237 0 1760718

0 429 2724 2113 8476 1058 0 14800



N.A.Pre-Primary &

Primary Education


Graduation & Higher

Education


Marriage Expenses N.A. Total Needs Interest on


1 2012 39 12% 1760718 211286 19720042 2013 40 12% 1972004 0 0 0 0 0 0 0 0 236640 22086443 2014 41 12% 2208644 0 0 0 0 0 0 0 0 265037 24736824 2015 42 12% 2473682 0 0 0 0 0 0 0 0 296842 27705245 2016 43 12% 2770524 0 0 0 0 0 0 0 0 332463 31029866 2017 44 12% 3102986 0 0 0 0 0 0 0 0 372358 34753457 2018 45 12% 3475345 0 0 0 0 0 0 0 0 417041 38923868 2019 46 12% 3892386 0 0 0 0 0 0 0 0 467086 43594729 2020 47 12% 4359472 0 79692 0 0 0 0 0 79692 513574 4793354

10 2021 48 12% 4793354 0 0 168948 0 0 0 0 168948 554929 517933411 2022 49 12% 5179334 0 0 179085 0 0 0 0 179085 600030 560028012 2023 50 12% 5600280 0 0 189830 0 0 0 0 189830 649254 605970413 2024 51 12% 6059704 0 0 201220 0 0 0 0 201220 703018 656150214 2025 52 12% 6561502 0 0 0 345227 0 0 0 345227 745953 696222815 2026 53 12% 6962228 0 0 0 379750 0 0 0 379750 789897 737237516 2027 54 12% 7372375 0 0 0 417725 0 0 0 417725 834558 778920917 2028 55 12% 7789209 0 0 0 0 2297486 0 0 2297486 659007 615072918 2029 56 12% 6150729 0 0 0 0 2527235 0 0 2527235 434819 405831319 2030 57 12% 4058313 0 0 0 0 2779959 0 0 2779959 153403 143175720 2031 58 12% 1431757 0 0 0 0 0 0 0 0 171811 160356821 2032 59 12% 1603568 0 0 0 0 0 1603568 0 1603568 0 022 2033 60 12% 0 0 0 0 0 0 0 0 0 0 023 2034 61 7% 0 0 0 0 0 0 0 0 0 0 024 2035 62 7% 0 0 0 0 0 0 0 0 0 0 025 2036 63 7% 0 0 0 0 0 0 0 0 0 0 026 2037 64 7% 0 0 0 0 0 0 0 0 0 0 027 2038 65 7% 0 0 0 0 0 0 0 0 0 0 028 2039 66 7% 0 0 0 0 0 0 0 0 0 0 029 2040 67 7% 0 0 0 0 0 0 0 0 0 0 030 2041 68 7% 0 0 0 0 0 0 0 0 0 0 031 2042 69 7% 0 0 0 0 0 0 0 0 0 0 032 2043 70 7% 0 0 0 0 0 0 0 0 0 0 033 2044 71 7% 0 0 0 0 0 0 0 0 0 0 034 2045 72 7% 0 0 0 0 0 0 0 0 0 0 035 2046 73 7% 0 0 0 0 0 0 0 0 0 0 036 2047 74 7% 0 0 0 0 0 0 0 0 0 0 037 2048 75 7% 0 0 0 0 0 0 0 0 0 0 038 2049 76 7% 0 0 0 0 0 0 0 0 0 0 051 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0


Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly



Pre-Primary &

Primary Education


Graduation & Higher

Education


Marriage Expenses Total Amount

0 524566 739082 1142702 7604680 1603568 0 11614598

0

Goal Funding through Sale of Assets0 0 0 0 0 801784 0 801784

Goal Funding through Future Loan0 0 0 0 0 0 0 0

Goal Funding through Financial Investments0 524566 739082 1142702 2297486 801784 0 5505620

Goal Shortfall0 0 0 0 5307194 0 0 5307194

0% 100% 100% 100% 30% 100% 0% 54%

0% 0% 0% 0% 70% 0% 0% 46%





Shortfall of Goal Amount (% wise ) : :Calculating with your actual cash flow. :





0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Pre-Primary &Primary Education

Secondary & HigherSec. Education

Graduation &Higher Education

Post Graduation &Master Degree

Marriage Expenses

Goal Gap Analysis

Goal Shortfall

Goal Funding through FinancialInvestments





0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

Lumpsum 0 0 0 0 0 0 0 0



Pre-Primary &

Primary Education


Graduation & Higher

Education




1 2012 39 8% 0 0 0

2 2013 40 8% 0 0 0 0 0 0 0 0 0 0 0

3 2014 41 8% 0 0 0 0 0 0 0 0 0 0 0

4 2015 42 8% 0 0 0 0 0 0 0 0 0 0 0

Required Amount


8%








0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

Lumpsum 0 0 0 0 0 0 0 0

Monthly 0 0 0 0 0 0 0 0



Pre-Primary &

Primary Education


Graduation & Higher

Education




1 2012 39 9% 0 0 0 0

2 2013 40 9% 0 0 0 0 0 0 0 0 0 0 0

3 2014 41 9% 0 0 0 0 0 0 0 0 0 0 0

4 2015 42 9% 0 0 0 0 0 0 0 0 0 0 0

5 2016 43 9% 0 0 0 0 0 0 0 0 0 0 0

6 2017 44 9% 0 0 0 0 0 0 0 0 0 0 0

7 2018 45 9% 0 0 0 0 0 0 0 0 0 0 0

8 2019 46 9% 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 2029 0 0

0 0 0 0 5307194 0 0 5307194

0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 2029 0 0

0 0 0 0 5307194 0 0 5307194

0 0 0 0 0 0 0 0


Monthly 0 0 0 0 5328 0 0 5328

Quarterly 0 0 0 0 16132 0 0 16132

Half Yearly 0 0 0 0 32687 0 0 32687

Yearly 0 0 0 0 66937 0 0 66937



15%



Year OR Upto

Retirement Year -


Required Amount


Required Amount

Pre Retirement

Post Retirement



15%





Required Amount




Required Amount




0 0 0 0 729582 0 0 729582

0 0 0 0 5328 0 0 5328



Pre-Primary &

Primary Education


Graduation & Higher

Education




1 2012 39 12% 729582 87550 8171322 2013 40 12% 817132 0 0 0 0 0 0 0 0 98056 9151883 2014 41 12% 915188 0 0 0 0 0 0 0 0 109823 10250104 2015 42 12% 1025010 0 0 0 0 0 0 0 0 123001 11480125 2016 43 12% 1148012 0 0 0 0 0 0 0 0 137761 12857736 2017 44 12% 1285773 0 0 0 0 0 0 0 0 154293 14400667 2018 45 12% 1440066 0 0 0 0 0 0 0 0 172808 16128748 2019 46 12% 1612874 0 0 0 0 0 0 0 0 193545 18064199 2020 47 12% 1806419 0 0 0 0 0 0 0 0 216770 2023189

10 2021 48 12% 2023189 0 0 0 0 0 0 0 0 242783 226597211 2022 49 12% 2265972 0 0 0 0 0 0 0 0 271917 253788812 2023 50 12% 2537888 0 0 0 0 0 0 0 0 304547 284243513 2024 51 12% 2842435 0 0 0 0 0 0 0 0 341092 318352714 2025 52 12% 3183527 0 0 0 0 0 0 0 0 382023 356555015 2026 53 12% 3565550 0 0 0 0 0 0 0 0 427866 399341616 2027 54 12% 3993416 0 0 0 0 0 0 0 0 479210 447262617 2028 55 12% 4472626 0 0 0 0 0 0 0 0 536715 500934118 2029 56 12% 5009341 0 0 0 0 2527235 0 0 2527235 297853 277995919 2030 57 12% 2779959 0 0 0 0 2779959 0 0 2779959 0 020 2031 58 12% 0 0 0 0 0 0 0 0 0 0 021 2032 59 12% 0 0 0 0 0 0 0 0 0 0 022 2033 60 12% 0 0 0 0 0 0 0 0 0 0 023 2034 61 7% 0 0 0 0 0 0 0 0 0 0 024 2035 62 7% 0 0 0 0 0 0 0 0 0 0 025 2036 63 7% 0 0 0 0 0 0 0 0 0 0 026 2037 64 7% 0 0 0 0 0 0 0 0 0 0 027 2038 65 7% 0 0 0 0 0 0 0 0 0 0 028 2039 66 7% 0 0 0 0 0 0 0 0 0 0 029 2040 67 7% 0 0 0 0 0 0 0 0 0 0 030 2041 68 7% 0 0 0 0 0 0 0 0 0 0 031 2042 69 7% 0 0 0 0 0 0 0 0 0 0 032 2043 70 7% 0 0 0 0 0 0 0 0 0 0 033 2044 71 7% 0 0 0 0 0 0 0 0 0 0 034 2045 72 7% 0 0 0 0 0 0 0 0 0 0 035 2046 73 7% 0 0 0 0 0 0 0 0 0 0 036 2047 74 7% 0 0 0 0 0 0 0 0 0 0 037 2048 75 7% 0 0 0 0 0 0 0 0 0 0 051 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0





Need-New Residential

House

Need-Motor Car

Need-Bike for Kevin


Need-2 Computer System


Furniture

Total Amount Rs.

High Medium Medium Medium Medium Optional

3500000 800000 70000 55000 80000 250000 4755000

Goal Cost / Expenses Will Grow @% wise 6% 6% 6% 6% 5% 0%

OR @Amountwise year on year 0 0 0 0 0 10000

8 3 6 9 5 17

2020 2015 2018 2021 2017 2029

1 1 1 1 1 1

2020 2015 2018 2021 2017 2029

8 3 6 9 5 17

2020 2015 2018 2021 2017 2029




arrival.






Your Selection for Financial Need



Inflation Effect


Analysis & Cash Flow Statement



0 2015 0 0 0 0

0 952813 0 0 0 0 952813

0 0 0 0 0 0 0

Lumpsum 0 756374 0 0 0 0 756374



0Need-New Residential

House

Need-Motor Car

Need-Bike for Kevin




FurnitureTotal Needs Interest on


1 2012 39 8% 756374 60510 816883

2 2013 40 8% 816883 0 0 0 0 0 0 0 65351 882234

3 2014 41 8% 882234 0 0 0 0 0 0 0 70579 952813

4 2015 42 8% 952813 0 952813 0 0 0 0 952813 0 0


Required Amount







0 0 2018 0 2017 0

0 0 99296 0 102103 0 201399

0 0 0 0 0 0 0

Lumpsum 0 0 59207 0 66360 0 125567

Monthly 0 0 848 0 1138 0 1986




House

Need-Motor Car

Need-Bike for Kevin






1 2012 39 9% 125567 11301 136868

2 2013 40 9% 136868 0 0 0 0 0 0 0 12318 149186

3 2014 41 9% 149186 0 0 0 0 0 0 0 13427 162613

4 2015 42 9% 162613 0 0 0 0 0 0 0 14635 177248

5 2016 43 9% 177248 0 0 0 0 0 0 0 15952 193200

6 2017 44 9% 193200 0 0 0 0 102103 0 102103 8199 99296

7 2018 45 9% 99296 0 0 99296 0 0 0 99296 0 0

8 2019 46 9% 0 0 0 0 0 0 0 0 0 0

2020 0 0 2021 0 2029 0

5578468 0 0 92921 0 420000 0 6091390

0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

2020 0 0 2021 0 2029 0

5578468 0 0 92921 0 420000 0 6091390

0 0 0 0 0 0 0 0


Monthly 30002 0 0 406 0 447 0 30855

Quarterly 89693 0 0 1215 0 1353 0 92261

Half Yearly 178465 0 0 2423 0 2741 0 183628

Yearly 353384 0 0 4814 0 5612 0 363810



Required Amount

9%

15%



Required Amount




Year OR Upto

Retirement Year -


Required Amount


Required AmountLong Term

Requirement

Pre Retirement

Post Retirement



15%







0 2253050 0 0 33508 0 61171 2347729

0 30002 0 0 406 0 447 30855




House

Need-Motor Car

Need-Bike for Kevin






1 2012 39 12% 2347729 281727 26294562 2013 40 12% 2629456 0 0 0 0 0 0 0 315535 29449913 2014 41 12% 2944991 0 0 0 0 0 0 0 353399 32983904 2015 42 12% 3298390 0 0 0 0 0 0 0 395807 36941975 2016 43 12% 3694197 0 0 0 0 0 0 0 443304 41375006 2017 44 12% 4137500 0 0 0 0 0 0 0 496500 46340007 2018 45 12% 4634000 0 0 0 0 0 0 0 556080 51900808 2019 46 12% 5190080 0 0 0 0 0 0 0 622810 58128909 2020 47 12% 5812890 5578468 0 0 0 0 0 5578468 28131 262552

10 2021 48 12% 262552 0 0 0 92921 0 0 92921 20356 18998711 2022 49 12% 189987 0 0 0 0 0 0 0 22798 21278512 2023 50 12% 212785 0 0 0 0 0 0 0 25534 23831913 2024 51 12% 238319 0 0 0 0 0 0 0 28598 26691814 2025 52 12% 266918 0 0 0 0 0 0 0 32030 29894815 2026 53 12% 298948 0 0 0 0 0 0 0 35874 33482116 2027 54 12% 334821 0 0 0 0 0 0 0 40179 37500017 2028 55 12% 375000 0 0 0 0 0 0 0 45000 42000018 2029 56 12% 420000 0 0 0 0 0 420000 420000 0 019 2030 57 12% 0 0 0 0 0 0 0 0 0 020 2031 58 12% 0 0 0 0 0 0 0 0 0 021 2032 59 12% 0 0 0 0 0 0 0 0 0 022 2033 60 12% 0 0 0 0 0 0 0 0 0 023 2034 61 7% 0 0 0 0 0 0 0 0 0 024 2035 62 7% 0 0 0 0 0 0 0 0 0 025 2036 63 7% 0 0 0 0 0 0 0 0 0 026 2037 64 7% 0 0 0 0 0 0 0 0 0 027 2038 65 7% 0 0 0 0 0 0 0 0 0 028 2039 66 7% 0 0 0 0 0 0 0 0 0 029 2040 67 7% 0 0 0 0 0 0 0 0 0 030 2041 68 7% 0 0 0 0 0 0 0 0 0 031 2042 69 7% 0 0 0 0 0 0 0 0 0 032 2043 70 7% 0 0 0 0 0 0 0 0 0 033 2044 71 7% 0 0 0 0 0 0 0 0 0 034 2045 72 7% 0 0 0 0 0 0 0 0 0 035 2046 73 7% 0 0 0 0 0 0 0 0 0 036 2047 74 7% 0 0 0 0 0 0 0 0 0 037 2048 75 7% 0 0 0 0 0 0 0 0 0 038 2049 76 7% 0 0 0 0 0 0 0 0 0 051 2062 89 0% 0 0 0 0 0 0 0 0 0 0






House

Need-Motor Car

Need-Bike for Kevin




FurnitureTotal Amount

5578468 952813 99296 92921 102103 420000 7245601

0

Goal Funding through Sale of Assets2216183 218700 0 0 0 0 2434883

Goal Funding through Future Loan573051 257706 0 0 0 0 830757

Goal Funding through Financial Investments2789234 476406 99296 92921 102103 0 3559961

Goal Shortfall0 0 0 0 0 420000 420000

100% 100% 100% 100% 100% 0% 94%

0% 0% 0% 0% 0% 100% 6%









Shortfall of Goal Amount (% wise ) : :Calculating with your actual cash flow. :

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Need-New ResidentialHouse

Need-Motor Car Need-Bike for Kevin Need-Scooty forSandhya

Need-2 ComputerSystem

Need-HomeAppliances / Furniture

Goal Gap Analysis

Goal Shortfall






0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0

Lumpsum 0 0 0 0 0 0 0




House

Need-Motor Car

Need-Bike for Kevin






1 2012 39 8% 0 0 0

2 2013 40 8% 0 0 0 0 0 0 0 0 0 0

3 2014 41 8% 0 0 0 0 0 0 0 0 0 0

4 2015 42 8% 0 0 0 0 0 0 0 0 0 0

Required Amount


8%








0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0

Lumpsum 0 0 0 0 0 0 0

Monthly 0 0 0 0 0 0 0




House

Need-Motor Car

Need-Bike for Kevin






1 2012 39 9% 0 0 0 0

2 2013 40 9% 0 0 0 0 0 0 0 0 0 0

3 2014 41 9% 0 0 0 0 0 0 0 0 0 0

4 2015 42 9% 0 0 0 0 0 0 0 0 0 0

5 2016 43 9% 0 0 0 0 0 0 0 0 0 0

6 2017 44 9% 0 0 0 0 0 0 0 0 0 0

7 2018 45 9% 0 0 0 0 0 0 0 0 0 0

8 2019 46 9% 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 2029

0 0 0 0 0 420000 420000

0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 2029

0 0 0 0 0 420000 420000

0 0 0 0 0 0 0

Pre Retirement 12% Post Retirement 7% Lumpsum 0 0 0 0 0 61171 61171

Monthly 0 0 0 0 0 447 447

Quarterly 0 0 0 0 0 1353 1353

Half Yearly 0 0 0 0 0 2741 2741

Yearly 0 0 0 0 0 5612 5612



Year OR Upto

Retirement Year -


Required Amount


Pre Retirement

Post Retirement



15%




Required AmountLong Term

RequirementRequired in Year / From Year

Required Amount




Required Amount



15%



0 0 0 0 0 0 61171 61171

0 0 0 0 0 0 447 447




House

Need-Motor Car

Need-Bike for Kevin






1 2012 39 12% 61171 7340 685112 2013 40 12% 68511 0 0 0 0 0 0 0 8221 767323 2014 41 12% 76732 0 0 0 0 0 0 0 9208 859404 2015 42 12% 85940 0 0 0 0 0 0 0 10313 962535 2016 43 12% 96253 0 0 0 0 0 0 0 11550 1078046 2017 44 12% 107804 0 0 0 0 0 0 0 12936 1207407 2018 45 12% 120740 0 0 0 0 0 0 0 14489 1352298 2019 46 12% 135229 0 0 0 0 0 0 0 16227 1514569 2020 47 12% 151456 0 0 0 0 0 0 0 18175 169631

10 2021 48 12% 169631 0 0 0 0 0 0 0 20356 18998711 2022 49 12% 189987 0 0 0 0 0 0 0 22798 21278512 2023 50 12% 212785 0 0 0 0 0 0 0 25534 23831913 2024 51 12% 238319 0 0 0 0 0 0 0 28598 26691814 2025 52 12% 266918 0 0 0 0 0 0 0 32030 29894815 2026 53 12% 298948 0 0 0 0 0 0 0 35874 33482116 2027 54 12% 334821 0 0 0 0 0 0 0 40179 37500017 2028 55 12% 375000 0 0 0 0 0 0 0 45000 42000018 2029 56 12% 420000 0 0 0 0 0 420000 420000 0 019 2030 57 12% 0 0 0 0 0 0 0 0 0 020 2031 58 12% 0 0 0 0 0 0 0 0 0 021 2032 59 12% 0 0 0 0 0 0 0 0 0 022 2033 60 12% 0 0 0 0 0 0 0 0 0 023 2034 61 7% 0 0 0 0 0 0 0 0 0 024 2035 62 7% 0 0 0 0 0 0 0 0 0 025 2036 63 7% 0 0 0 0 0 0 0 0 0 026 2037 64 7% 0 0 0 0 0 0 0 0 0 027 2038 65 7% 0 0 0 0 0 0 0 0 0 028 2039 66 7% 0 0 0 0 0 0 0 0 0 029 2040 67 7% 0 0 0 0 0 0 0 0 0 030 2041 68 7% 0 0 0 0 0 0 0 0 0 031 2042 69 7% 0 0 0 0 0 0 0 0 0 032 2043 70 7% 0 0 0 0 0 0 0 0 0 033 2044 71 7% 0 0 0 0 0 0 0 0 0 034 2045 72 7% 0 0 0 0 0 0 0 0 0 035 2046 73 7% 0 0 0 0 0 0 0 0 0 036 2047 74 7% 0 0 0 0 0 0 0 0 0 037 2048 75 7% 0 0 0 0 0 0 0 0 0 051 2062 89 0% 0 0 0 0 0 0 0 0 0 0





2012 39 %wise OR Amount wise ( In Years)

68400 6% 0 21 2033 232530 40% 0 139518

83400 6% 0 21 2033 283524 5% 0 269347

104600 8% 0 21 2033 526539 5% 0 500212

114600 7% 0 21 2033 474508 5% 0 450783

52400 10% 0 21 2033 387773 -10% 0 426550

62000 10% 0 21 2033 458815 25% 0 344112

485400 2363690 Reduction >> 10% 2130523

Retirement Year

Retirement Age

2033 60 %wise Amt.wise %wise OR Amt.wise Age Upto Yr.

139518 6% 0 0 1110037 0% 0 80 2053

269347 6% 0 0 0 0% 0 80 2053

500212 6% 0 0 0 0% 0 80 2053

450783 6% 0 0 0 0% 0 80 2053

426550 10% 0 0 0 0% 0 80 2053

Year Age 344112 6% 0 80 2053

2053 80 2130523

1020485

Less :Retirement

Income - Rs.

1110037

Inflation effect after retirementRetirement year onwards Expenses / Particulars

Life ExpectancyRetirement Income from /

Source

Retirement Income will rise

Housing Expenses

Personal Expenses

Retirement Income Amount

Rs.

1110037Total Amount Rs.

Current Expenses / Particulars Expenses Amount Rs.

CurrentYear Retirement Year Expenses at

Retirement - Rs.


Personal Expenses

Housing Expenses

Final Expenses Amount - Retirement Year Onwards

CurrentAge

Health Expenses

After Ret.you will be able to reduce lump sum expenses

%wise OR Amount wise

Total Amount Rs.

Living Expenses

Pre - Retirement Expenses Details

Post - Retirement Income -Expenses Details

Inflation effect on Expenses Retirement Period

Food Expenses

2130523

Net Expenses Rs. : ( Retirement onwards Expenses - Income ) - to be required at start of retirement period

Retirement year onwards Expenses Retirement year onwards Income

Food Expenses

Living Expenses

Health Expenses


Expenses Amount at Retirement

Life Expectancy

20Total Period in Years

0

2000000

4000000

6000000

8000000

Pre -Retirement Expenses

Post -Retirement Expenses



2033 60

1020485 1020485 1020485

8% 7% 6%

20 20 20

29886121 32865924 36276567

will Rise @ % Or Amt. wise

6% 0 1699782 1699782 1699782

5% 0 2785963 2785963 2785963

5% 0 2785963 2785963 2785963

6% 0 3399564 3399564 3399564

10671271 10671271 10671271

40557391 43537194 46947838


provide regular expenses from Retirement year

onwards.

Retirement Need Provision

- Medical Expenses



Donation / Gift


Reserve Balance

Total Amount Rs.

High High Medium Low Optional

485400 500000 1000000 1000000 1000000 3985400

Goal Cost / Expenses Will Grow @% wise As mentioned 6% 5% 5% 6%

OR @Amountwise year on year in above sheet

21 21 21 21 21

2033 2033 2033 2033 2033

1 1 1 1 1

2033 2033 2033 2033 2033

21 21 21 21 21

2033 2033 2033 2033 2033

Your Selection for Retirement Need



Inflation Effect

Years left to Financial Goal ArrivalThis period is

remain same in most of time,



arrival.






Total corpus to be required at retirement to cover post retirement expenses & Additional provisional fund requirement (if any)

Current Cost OR Target Amount

1000000

500000

Add : Additional Requirement at Retirement

Medical Expenses

Tour - Yatra

Gross Retirement Corpus Need -Calculation Sheet

Conservative Rate (%)

Aggressive Rate (%)

Moderate Rate (%)Calculation of Post Retirement Corpus with 3 scenario at different rate of return

Amount needed in year

Total corpus to be required for retirement period ( upto 20 years) to cover post retirement expenses

1000000

1000000Reserve Balance

Current Cost - ( Inflation )

Donation / Gift

Expenses amount at retirement year onwards ( As per Income - Expenses calculation sheet)

Requirement duration : Total No. of Years ( Retirement Year to Life Expectancy Year )

Post Retirement - Expected Rate of Return on Retirement Corpus



0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

Lumpsum 0 0 0 0 0 0



0




- Medical Expenses



Donation / Gift


Reserve BalanceTotal Needs Interest on


1 2012 39 8% 0 0 02 2013 40 8% 0 0 0 0 0 0 0 0 03 2014 41 8% 0 0 0 0 0 0 0 0 04 2015 42 8% 0 0 0 0 0 0 0 0 0

Required in Year / From YearRequired AmountInvestment to be required @%

8%






0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

Lumpsum 0 0 0 0 0 0

Monthly 0 0 0 0 0 0



0



onwards.


- Medical Expenses



Donation / Gift




1 2012 39 9% 0 0 0

2 2013 40 9% 0 0 0 0 0 0 0 0 0

3 2014 41 9% 0 0 0 0 0 0 0 0 0

4 2015 42 9% 0 0 0 0 0 0 0 0 0

5 2016 43 9% 0 0 0 0 0 0 0 0 0

6 2017 44 9% 0 0 0 0 0 0 0 0 0

7 2018 45 9% 0 0 0 0 0 0 0 0 0

8 2019 46 9% 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0 0

2034 2034 2034 2034 2034 0

71115515 1699782 2785963 2785963 3399564 0 81786786

0 0 0 0 0 0 0

2034 2034 2034 2034 2034 0

71115515 1699782 2785963 2785963 3399564 0 81786786

0 0 0 0 0 0 0


Monthly 25362 1312 2150 2150 2623 0 33596

Quarterly 76706 3967 6502 6502 7934 0 101612

Half Yearly 155216 8028 13157 13157 16055 0 205613

Yearly 317230 16407 26891 26891 32813 0 420231



Required Amount





Year OR Upto

Retirement Year -


Required Amount


15%




15%


Pre Retirement

Post Retirement



Required Amount


Required Amount


9%



0 2716122 140474 230239 230239 280948 3598023

0 25362 1312 2150 2150 2623 33596





onwards.


- Medical Expenses



Donation / Gift




1 2012 39 12% 3598023 431763 40297862 2013 40 12% 4029786 0 0 0 0 0 0 483574 45133603 2014 41 12% 4513360 0 0 0 0 0 0 541603 50549634 2015 42 12% 5054963 0 0 0 0 0 0 606596 56615595 2016 43 12% 5661559 0 0 0 0 0 0 679387 63409466 2017 44 12% 6340946 0 0 0 0 0 0 760914 71018597 2018 45 12% 7101859 0 0 0 0 0 0 852223 79540838 2019 46 12% 7954083 0 0 0 0 0 0 954490 89085739 2020 47 12% 8908573 0 0 0 0 0 0 1069029 9977601

10 2021 48 12% 9977601 0 0 0 0 0 0 1197312 1117491311 2022 49 12% 11174913 0 0 0 0 0 0 1340990 1251590312 2023 50 12% 12515903 0 0 0 0 0 0 1501908 1401781113 2024 51 12% 14017811 0 0 0 0 0 0 1682137 1569994914 2025 52 12% 15699949 0 0 0 0 0 0 1883994 1758394215 2026 53 12% 17583942 0 0 0 0 0 0 2110073 1969401616 2027 54 12% 19694016 0 0 0 0 0 0 2363282 2205729717 2028 55 12% 22057297 0 0 0 0 0 0 2646876 2470417318 2029 56 12% 24704173 0 0 0 0 0 0 2964501 2766867419 2030 57 12% 27668674 0 0 0 0 0 0 3320241 3098891520 2031 58 12% 30988915 0 0 0 0 0 0 3718670 3470758521 2032 59 12% 34707585 0 0 0 0 0 0 4164910 3887249522 2033 60 12% 38872495 0 0 0 0 0 0 4664699 4353719423 2034 61 7% 43537194 1165379 1699782 2785963 2785963 3399564 11836649 2219038 3391958324 2035 62 7% 33919583 1320672 0 0 0 0 1320672 2281924 3488083525 2036 63 7% 34880835 1487159 0 0 0 0 1487159 2337557 3573123326 2037 64 7% 35731233 1665701 0 0 0 0 1665701 2384587 3645012027 2038 65 7% 36450120 1857225 0 0 0 0 1857225 2421503 3701439728 2039 66 7% 37014397 2062740 0 0 0 0 2062740 2446616 3739827429 2040 67 7% 37398274 2283333 0 0 0 0 2283333 2458046 3757298730 2041 68 7% 37572987 2520184 0 0 0 0 2520184 2453696 3750649931 2042 69 7% 37506499 2774571 0 0 0 0 2774571 2431235 3716316232 2043 70 7% 37163162 3047879 0 0 0 0 3047879 2388070 3650335333 2044 71 7% 36503353 3341609 0 0 0 0 3341609 2321322 3548306734 2045 72 7% 35483067 3657387 0 0 0 0 3657387 2227798 3405347735 2046 73 7% 34053477 3996981 0 0 0 0 3996981 2103955 3216045136 2047 74 7% 32160451 4362304 0 0 0 0 4362304 1945870 2974401737 2048 75 7% 29744017 4755438 0 0 0 0 4755438 1749201 2673777938 2049 76 7% 26737779 5178639 0 0 0 0 5178639 1509140 2306828039 2050 77 7% 23068280 5634359 0 0 0 0 5634359 1220374 1865429640 2051 78 7% 18654296 6125262 0 0 0 0 6125262 877032 1340606641 2052 79 7% 13406066 6654243 0 0 0 0 6654243 472628 722445042 2053 80 0% 7224450 7224450 0 0 0 0 7224450 0 043 2054 81 0% 0 0 0 0 0 0 0 0 044 2055 82 0% 0 0 0 0 0 0 0 0 045 2056 83 0% 0 0 0 0 0 0 0 0 0







onwards.


- Medical Expenses



Donation / Gift


Reserve Balance0 Total Amount

71115515 1699782 2785963 2785963 3399564 81786786

Goal Funding through Investment32503095 1699782 2785963 2785963 3399564 43174365

Goal Shortfall38612420 0 0 0 0 38612420

46% 100% 100% 100% 100% 53%

54% 0% 0% 0% 0% 47%



Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow :Shortfall of Goal Amount : :

Calculating with your actual cash flow. :Possible Achievement of Future Goal ( %wise ) : :

with your Actual Cash Flow :Shortfall of Goal Amount (% wise ) : :


0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Funds to be required toprovide regular expenses from

Retirement year onwards.

Retirement Need Provision -Medical Expenses

Retirement Need Provision -Tour - Yatra

Retirement Need Provision -Donation / Gift

Retirement Need Provision -Reserve Balance

Goal Gap Analysis

Goal Funding through Investment Goal Shortfall



0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

Lumpsum 0 0 0 0 0 0





onwards.


- Medical Expenses



Donation / Gift


Reserve Balance0 Total Needs Interest on


1 2012 39 8% 0 0 0

2 2013 40 8% 0 0 0 0 0 0 0 0 0

3 2014 41 8% 0 0 0 0 0 0 0 0 0

4 2015 42 8% 0 0 0 0 0 0 0 0 0




Required Amount


8%





0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

Lumpsum 0 0 0 0 0 0

Monthly 0 0 0 0 0 0



0



onwards.


- Medical Expenses



Donation / Gift


Reserve Balance0 Total Needs Interest on


1 2012 39 9% 0 0 0 0

2 2013 40 9% 0 0 0 0 0 0 0 0 0

3 2014 41 9% 0 0 0 0 0 0 0 0 0

4 2015 42 9% 0 0 0 0 0 0 0 0 0

5 2016 43 9% 0 0 0 0 0 0 0 0 0

6 2017 44 9% 0 0 0 0 0 0 0 0 0

7 2018 45 9% 0 0 0 0 0 0 0 0 0

8 2019 46 9% 0 0 0 0 0 0 0 0 0

0 0 0 0 0

0 0 0 0 0 0

2034 0 0 0 0

38612420 0 0 0 0 38612420

0 0 0 0 0 0

2034 0 0 0 0

38612420 0 0 0 0 38612420

0 0 0 0 0 0

Pre Retirement 12% Post Retirement 7% Lumpsum 1057555 0 0 0 0 1057555

Monthly 9875 0 0 0 0 9875

Quarterly 29866 0 0 0 0 29866

Half Yearly 60435 0 0 0 0 60435

Yearly 123517 0 0 0 0 123517

Required Amount

Post Retirement



15%






Year OR Upto

Retirement Year -


Required AmountPre Retirement




9%



Required Amount




Required Amount



0 1057555 0 0 0 0 1057555

0 9875 0 0 0 0 9875





onwards.


- Medical Expenses



Donation / Gift




1 2012 39 12% 1057555 126907 11844622 2013 40 12% 1184462 0 0 0 0 0 0 142135 13265973 2014 41 12% 1326597 0 0 0 0 0 0 159192 14857894 2015 42 12% 1485789 0 0 0 0 0 0 178295 16640845 2016 43 12% 1664084 0 0 0 0 0 0 199690 18637746 2017 44 12% 1863774 0 0 0 0 0 0 223653 20874277 2018 45 12% 2087427 0 0 0 0 0 0 250491 23379188 2019 46 12% 2337918 0 0 0 0 0 0 280550 26184689 2020 47 12% 2618468 0 0 0 0 0 0 314216 2932684

10 2021 48 12% 2932684 0 0 0 0 0 0 351922 328460611 2022 49 12% 3284606 0 0 0 0 0 0 394153 367875912 2023 50 12% 3678759 0 0 0 0 0 0 441451 412021013 2024 51 12% 4120210 0 0 0 0 0 0 494425 461463514 2025 52 12% 4614635 0 0 0 0 0 0 553756 516839115 2026 53 12% 5168391 0 0 0 0 0 0 620207 578859816 2027 54 12% 5788598 0 0 0 0 0 0 694632 648323017 2028 55 12% 6483230 0 0 0 0 0 0 777988 726121818 2029 56 12% 7261218 0 0 0 0 0 0 871346 813256419 2030 57 12% 8132564 0 0 0 0 0 0 975908 910847120 2031 58 12% 9108471 0 0 0 0 0 0 1093017 1020148821 2032 59 12% 10201488 0 0 0 0 0 0 1224179 1142566622 2033 60 12% 11425666 0 0 0 0 0 0 1371080 1279674623 2034 61 7% 12796746 0 0 0 0 0 0 895772 1369251924 2035 62 7% 13692519 0 0 0 0 0 0 958476 1465099525 2036 63 7% 14650995 0 0 0 0 0 0 1025570 1567656526 2037 64 7% 15676565 0 0 0 0 0 0 1097360 1677392427 2038 65 7% 16773924 0 0 0 0 0 0 1174175 1794809928 2039 66 7% 17948099 0 0 0 0 0 0 1256367 1920446629 2040 67 7% 19204466 0 0 0 0 0 0 1344313 2054877830 2041 68 7% 20548778 0 0 0 0 0 0 1438414 2198719331 2042 69 7% 21987193 0 0 0 0 0 0 1539104 2352629632 2043 70 7% 23526296 0 0 0 0 0 0 1646841 2517313733 2044 71 7% 25173137 0 0 0 0 0 0 1762120 2693525734 2045 72 7% 26935257 0 0 0 0 0 0 1885468 2882072535 2046 73 7% 28820725 0 0 0 0 0 0 2017451 3083817536 2047 74 7% 30838175 3040029 0 0 0 0 3040029 1945870 2974401737 2048 75 7% 29744017 4755438 0 0 0 0 4755438 1749201 2673777938 2049 76 7% 26737779 5178639 0 0 0 0 5178639 1509140 2306828039 2050 77 7% 23068280 5634359 0 0 0 0 5634359 1220374 1865429640 2051 78 7% 18654296 6125262 0 0 0 0 6125262 877032 1340606641 2052 79 7% 13406066 6654243 0 0 0 0 6654243 472628 722445042 2053 80 0% 7224450 7224450 0 0 0 0 7224450 0 043 2054 81 0% 0 0 0 0 0 0 0 0 044 2055 82 0% 0 0 0 0 0 0 0 0 0





40557391 43537194 469478388% 7% 6%

Year Age

2033 606307986 6307986 6307986

2036 60 904327 904327 904327

Total : 7212313 Total : 0 7212313 7212313 7212313

1139315 1139315 1139315

7565021 7565021 7565021

8704336 8704336 8704336

15916649 15916649 15916649

2033 60 24640742 27620545 31031189

2012 39

24640742 27620545 31031189 24640742 27620545 31031189 24640742 27620545 31031189

Aggressive Moderate Conservative Aggressive Moderate Conservative Aggressive Moderate Conservative

8% 7% 6% 8% 7% 6% 8% 7% 6%

155682 174508 196057 237838 266600 299520 359551 403032 452799

12049 13506 15173 19205 21527 24185 29858 33469 37602

1138417 1276085 1433659 2036373 2282631 2564495 3700589 4148101 4660317

Total Retirement Corpus to be required at Retirement :

Sangita Patel

Value of Retirement Benefit Corpus

EPF & EPS Valuation at Retirement

Retirement

Sangita Patel- in 2036

12%

22

Mutual Fund -SIP Valuation (Retirement)

Gratuity Value at Retirement

0

Lump sum Investment to be required

total Corpus to be accumulated

Investment Tenure ( Years)

Amar Patel

15%

22

CurrentYear

CurrentAge So, as of today how much amount to be invested to build retirement corpus

6307986

Retirement benefits corpus Amar Patel- in 2033

904327

Moderate

Separate Retirement Plan Calculation Sheet For Working Couple to find Investment Need with Retirement Corpus

Assumed Return - Post Retirement

Assumed Return - Pre Retirement

Yearly Investment to be requiredMonthly Investment to be required

PPF Valuation of all Accounts

0

Other Investment / Retirement Corpus

22

Conservative

9%

Aggressive

Less : Amount receivable towards retirement benefits / other investment contributed for retirements

Total value of retirement benefit corpus at Retirement Rs. ::

Therefore, total amount to be accumulated at retirement year



12% 7%Amar Patel Sangita Patel

Age Age Amar Patel Sangita PatelMaturity Value

of other Investments

Rs.

Reserve Fund -Provisional

Requirement

Fund for Yearly Expenses

1 2012 39 36 2282631 0 0 0 2282631 0 0 2282631 12% 273916 25565472 2013 40 37 2556547 0 0 0 2556547 0 0 2556547 12% 306786 28633333 2014 41 38 2863333 0 0 0 2863333 0 0 2863333 12% 343600 32069324 2015 42 39 3206932 0 0 0 3206932 0 0 3206932 12% 384832 35917645 2016 43 40 3591764 0 0 0 3591764 0 0 3591764 12% 431012 40227766 2017 44 41 4022776 0 0 0 4022776 0 0 4022776 12% 482733 45055097 2018 45 42 4505509 0 0 0 4505509 0 0 4505509 12% 540661 50461708 2019 46 43 5046170 0 0 0 5046170 0 0 5046170 12% 605540 56517119 2020 47 44 5651711 0 0 0 5651711 0 0 5651711 12% 678205 6329916

10 2021 48 45 6329916 0 0 0 6329916 0 0 6329916 12% 759590 708950611 2022 49 46 7089506 0 0 0 7089506 0 0 7089506 12% 850741 794024712 2023 50 47 7940247 0 0 0 7940247 0 0 7940247 12% 952830 889307613 2024 51 48 8893076 0 0 0 8893076 0 0 8893076 12% 1067169 996024514 2025 52 49 9960245 0 0 0 9960245 0 0 9960245 12% 1195229 1115547515 2026 53 50 11155475 0 0 0 11155475 0 0 11155475 12% 1338657 1249413216 2027 54 51 12494132 0 0 0 12494132 0 0 12494132 12% 1499296 1399342817 2028 55 52 13993428 0 0 0 13993428 0 0 13993428 12% 1679211 1567263918 2029 56 53 15672639 0 0 0 15672639 0 0 15672639 12% 1880717 1755335519 2030 57 54 17553355 0 0 0 17553355 0 0 17553355 12% 2106403 1965975820 2031 58 55 19659758 0 0 0 19659758 0 0 19659758 12% 2359171 2201892921 2032 59 56 22018929 0 0 0 22018929 0 0 22018929 12% 2642271 2466120122 2033 60 57 24661201 0 0 0 24661201 0 0 24661201 12% 2959344 2762054523 2034 61 58 27620545 7212313 0 8704336 43537194 10671271 1165379 31700545 7% 2219038 3391958324 2035 62 59 33919583 0 0 0 33919583 0 1320672 32598911 7% 2281924 3488083525 2036 63 60 34880835 0 0 0 34880835 0 1487159 33393676 7% 2337557 3573123326 2037 64 61 35731233 0 0 0 35731233 0 1665701 34065533 7% 2384587 3645012027 2038 65 62 36450120 0 0 0 36450120 0 1857225 34592895 7% 2421503 3701439728 2039 66 63 37014397 0 0 0 37014397 0 2062740 34951657 7% 2446616 3739827429 2040 67 64 37398274 0 0 0 37398274 0 2283333 35114941 7% 2458046 3757298730 2041 68 65 37572987 0 0 0 37572987 0 2520184 35052803 7% 2453696 3750649931 2042 69 66 37506499 0 0 0 37506499 0 2774571 34731927 7% 2431235 3716316232 2043 70 67 37163162 0 0 0 37163162 0 3047879 34115283 7% 2388070 3650335333 2044 71 68 36503353 0 0 0 36503353 0 3341609 33161744 7% 2321322 3548306734 2045 72 69 35483067 0 0 0 35483067 0 3657387 31825679 7% 2227798 3405347735 2046 73 70 34053477 0 0 0 34053477 0 3996981 30056496 7% 2103955 3216045136 2047 74 71 32160451 0 0 0 32160451 0 4362304 27798146 7% 1945870 2974401737 2048 75 72 29744017 0 0 0 29744017 0 4755438 24988579 7% 1749201 2673777938 2049 76 73 26737779 0 0 0 26737779 0 5178639 21559140 7% 1509140 2306828039 2050 77 74 23068280 0 0 0 23068280 0 5634359 17433921 7% 1220374 1865429640 2051 78 75 18654296 0 0 0 18654296 0 6125262 12529034 7% 877032 1340606641 2052 79 76 13406066 0 0 0 13406066 0 6654243 6751823 7% 472628 722445042 2053 80 77 7224450 0 0 0 7224450 0 7224450 0 7% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 0

Retirement Planning : Cash Flow Statement Pre-Retirement Rate of Return on Investment :: Select Here Select Here :: Post-Retirement Rate of Return on Investment

Sr. Interest Rate%Required Fund Blanace each

year

Retirement NeedsRetirement Benefits & Corpus Value

Net_Need_Rs. Interest Amount Rs.

Closing Balance Rs.Year Opening

Balance Rs.



Retirement Need

Retirement Corpus

Interest on Balance

Required Balance Each Year

0

5000000

10000000

15000000

20000000

25000000

30000000

35000000

40000000

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

2030

2031

2032

2033

2034

2035

2036

2037

2038

2039

2040

2041

2042

2043

2044

2045

2046

2047

2048

2049

2050

2051

2052

2053

2282

631

2556

547

2863

333

3206

932

3591

764

4022

776

4505

509

5046

170

5651

711

6329

916

7089

506

7940

247

8893

076

9960

245

1115

5475

1249

4132

1399

3428

1567

2639

1755

3355

1965

9758

2201

8929

2466

1201

2762

0545

3391

9583

3488

0835

3573

1233

3645

0120

3701

4397

3739

8274

3757

2987

3750

6499

3716

3162

3650

3353

3548

3067

3405

3477

3216

0451

2974

4017

2673

7779

2306

8280

1865

4296

1340

6066

7224

450

Retirement Cash FlowRetirement Need Retirement Corpus Interest on Balance Required Balance Each Year





Family Dream-Domestic

Long TourDream-Foreign

TourTotal Amount

Rs.

Optional Optional 0 Optional Optional

3000000 5000000 0 40000 250000 8290000

Goal Cost / Expenses Will Grow @% wise 6% 0% 0% 5% 5%

OR @Amountwise year on year 0 0 0 0 0

18 38 0 18 23

2030 2050 0 2030 2035

1 1 0 16 21

2030 2050 0 2045 2055

18 21 0 18 21

2030 2033 0 2030 2033




arrival.






Your Selection for Financial Dream



Inflation Effect




0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

Lumpsum 0 0 0 0 0 0



0 Dream-Farm House & Land




Tour Total Needs Interest on Balance Amt.

Closing Balance

1 2012 39 8% 0 0 02 2013 40 8% 0 0 0 0 0 0 0 0 03 2014 41 8% 0 0 0 0 0 0 0 0 04 2015 42 8% 0 0 0 0 0 0 0 0 0




8%




0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

Lumpsum 0 0 0 0 0 0

Monthly 0 0 0 0 0 0








Closing Balance

1 2012 39 9% 0 0 0

2 2013 40 9% 0 0 0 0 0 0 0 0 0

3 2014 41 9% 0 0 0 0 0 0 0 0 0

4 2015 42 9% 0 0 0 0 0 0 0 0 0

5 2016 43 9% 0 0 0 0 0 0 0 0 0

6 2017 44 9% 0 0 0 0 0 0 0 0 0

7 2018 45 9% 0 0 0 0 0 0 0 0 0

8 2019 46 9% 0 0 0 0 0 0 0 0 0

2030 0 0 2030 0 0

8563017 0 0 207703 0 0 8770721

0 2050 0 2036 2035 0

0 5000000 0 651347 4595080 0 10246427

0 0 0 0 0 0 0

2030 2050 0 2030 2035 0

8563017 5000000 0 859051 4595080 0 19017148

0 0 0 0 0 0 0


Monthly 7755 818 0 398 1210 0 10180

Quarterly 23514 2496 0 1206 3693 0 30909

Half Yearly 47750 5116 0 2449 7569 0 62883

Yearly 98186 10701 0 5036 15831 0 129755



Year OR Upto

Retirement Year -


Required Amount


Required Amount


Required Amount

Pre Retirement

Post Retirement



15%




9%

15%




Required Amount






0 1113531 139969 0 57117 207075 1517693

0 7755 818 0 398 1210 10180





FamilyN.A. Dream-Domestic



Closing Balance

1 2012 39 12% 1517693 182123 16998162 2013 40 12% 1699816 0 0 0 0 0 0 203978 19037943 2014 41 12% 1903794 0 0 0 0 0 0 228455 21322494 2015 42 12% 2132249 0 0 0 0 0 0 255870 23881195 2016 43 12% 2388119 0 0 0 0 0 0 286574 26746936 2017 44 12% 2674693 0 0 0 0 0 0 320963 29956577 2018 45 12% 2995657 0 0 0 0 0 0 359479 33551358 2019 46 12% 3355135 0 0 0 0 0 0 402616 37577529 2020 47 12% 3757752 0 0 0 0 0 0 450930 4208682

10 2021 48 12% 4208682 0 0 0 0 0 0 505042 471372411 2022 49 12% 4713724 0 0 0 0 0 0 565647 527937012 2023 50 12% 5279370 0 0 0 0 0 0 633524 591289513 2024 51 12% 5912895 0 0 0 0 0 0 709547 662244214 2025 52 12% 6622442 0 0 0 0 0 0 794693 741713515 2026 53 12% 7417135 0 0 0 0 0 0 890056 830719216 2027 54 12% 8307192 0 0 0 0 0 0 996863 930405517 2028 55 12% 9304055 0 0 0 0 0 0 1116487 1042054118 2029 56 12% 10420541 0 0 0 0 0 0 1250465 1167100619 2030 57 12% 11671006 8563017 0 0 96265 0 8659282 361407 337313120 2031 58 12% 3373131 0 0 0 0 0 0 404776 377790621 2032 59 12% 3777906 0 0 0 0 0 0 453349 423125522 2033 60 12% 4231255 0 0 0 111439 0 111439 494378 461419523 2034 61 7% 4614195 0 0 0 0 0 0 322994 493718824 2035 62 7% 4937188 0 0 0 0 767881 767881 291852 446115925 2036 63 7% 4461159 0 0 0 129004 0 129004 303251 463540626 2037 64 7% 4635406 0 0 0 0 0 0 324478 495988427 2038 65 7% 4959884 0 0 0 0 0 0 347192 530707628 2039 66 7% 5307076 0 0 0 149338 0 149338 361042 551877929 2040 67 7% 5518779 0 0 0 0 980032 980032 317712 485645930 2041 68 7% 4856459 0 0 0 0 0 0 339952 519641131 2042 69 7% 5196411 0 0 0 172878 0 172878 351647 537518132 2043 70 7% 5375181 0 0 0 0 0 0 376263 575144433 2044 71 7% 5751444 0 0 0 0 0 0 402601 615404534 2045 72 7% 6154045 0 0 0 200128 1250797 1450925 329218 503233935 2046 73 7% 5032339 0 0 0 0 0 0 352264 538460236 2047 74 7% 5384602 0 0 0 0 0 0 376922 576152437 2048 75 7% 5761524 0 0 0 0 0 0 403307 616483138 2049 76 7% 6164831 0 0 0 0 0 0 431538 659636939 2050 77 7% 6596369 0 5000000 0 0 1596369 6596369 0 040 2051 78 7% 0 0 0 0 0 0 0 0 041 2052 79 7% 0 0 0 0 0 0 0 0 042 2053 80 0% 0 0 0 0 0 0 0 0 043 2054 81 0% 0 0 0 0 0 0 0 0 044 2055 82 0% 0 0 0 0 0 0 0 0 0









Tour Total Amount

8563017 5000000 0 859051 4595080 19017148

0

Goal Funding through Sale of Assets0 0 0 0 0 0

Goal Funding through Future Loan0 0 0 0 0 0

Goal Funding through Financial Investments0 0 0 762786 2998710 3761496

Goal Shortfall8563017 5000000 0 96265 1596369 15255652

0% 0% 0% 89% 65% 20%

100% 100% 0% 11% 35% 80%Shortfall of Goal Amount (% wise ) : :










0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Dream-Farm House &Land

Dream-Create Wealthfor Family

Dream-Domestic LongTour

Dream-Foreign Tour

Goal Gap Analysis

Goal Shortfall






0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0

Lumpsum 0 0 0 0 0 0 0







Tour 0 Total Needs Interest on Balance Amt.

Closing Balance

1 2012 39 8% 0 0 0

2 2013 40 8% 0 0 0 0 0 0 0 0 0 0

3 2014 41 8% 0 0 0 0 0 0 0 0 0 0

4 2015 42 8% 0 0 0 0 0 0 0 0 0 0



Required Amount







0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0

Lumpsum 0 0 0 0 0 0 0

Monthly 0 0 0 0 0 0 0







Tour 0 Total Needs Interest on Balance Amt.

Closing Balance

1 2012 39 9% 0 0 0 0

2 2013 40 9% 0 0 0 0 0 0 0 0 0 0

3 2014 41 9% 0 0 0 0 0 0 0 0 0 0

4 2015 42 9% 0 0 0 0 0 0 0 0 0 0

5 2016 43 9% 0 0 0 0 0 0 0 0 0 0

6 2017 44 9% 0 0 0 0 0 0 0 0 0 0

7 2018 45 9% 0 0 0 0 0 0 0 0 0 0

8 2019 46 9% 0 0 0 0 0 0 0 0 0 0

2030 0 0 2030 0

8563017 0 0 96265 0 8659282

0 2034 0 0 2034

0 5000000 0 0 1596369 6596369

0 0 0 0 0 0

2030 2034 0 2030 2034

8563017 5000000 0 96265 1596369 15255652

0 0 0 0 0 0


Monthly 7755 818 0 87 261 8921

Quarterly 23514 2496 0 264 797 27072

Half Yearly 47750 5116 0 537 1633 55036

Yearly 98186 10701 0 1104 3416 113407

Required Amount





Year OR Upto

Retirement Year -


Required Amount


Required Amount



15%






Pre Retirement

Post Retirement



Required Amount


15%



0 1113531 139969 0 12518 44689 13107070 7755 818 0 87 261 8921








Closing Balance

1 2012 39 12% 1310707 157285 14679922 2013 40 12% 1467992 0 0 0 0 0 0 176159 16441513 2014 41 12% 1644151 0 0 0 0 0 0 197298 18414504 2015 42 12% 1841450 0 0 0 0 0 0 220974 20624245 2016 43 12% 2062424 0 0 0 0 0 0 247491 23099146 2017 44 12% 2309914 0 0 0 0 0 0 277190 25871047 2018 45 12% 2587104 0 0 0 0 0 0 310452 28975578 2019 46 12% 2897557 0 0 0 0 0 0 347707 32452639 2020 47 12% 3245263 0 0 0 0 0 0 389432 3634695

10 2021 48 12% 3634695 0 0 0 0 0 0 436163 407085811 2022 49 12% 4070858 0 0 0 0 0 0 488503 455936112 2023 50 12% 4559361 0 0 0 0 0 0 547123 510648513 2024 51 12% 5106485 0 0 0 0 0 0 612778 571926314 2025 52 12% 5719263 0 0 0 0 0 0 686312 640557515 2026 53 12% 6405575 0 0 0 0 0 0 768669 717424416 2027 54 12% 7174244 0 0 0 0 0 0 860909 803515317 2028 55 12% 8035153 0 0 0 0 0 0 964218 899937118 2029 56 12% 8999371 0 0 0 0 0 0 1079925 1007929619 2030 57 12% 10079296 8563017 0 0 96265 0 8659282 170402 159041520 2031 58 12% 1590415 0 0 0 0 0 0 190850 178126521 2032 59 12% 1781265 0 0 0 0 0 0 213752 199501722 2033 60 12% 1995017 0 0 0 0 0 0 239402 223441923 2034 61 7% 2234419 0 0 0 0 0 0 156409 239082824 2035 62 7% 2390828 0 0 0 0 0 0 167358 255818625 2036 63 7% 2558186 0 0 0 0 0 0 179073 273725926 2037 64 7% 2737259 0 0 0 0 0 0 191608 292886727 2038 65 7% 2928867 0 0 0 0 0 0 205021 313388828 2039 66 7% 3133888 0 0 0 0 0 0 219372 335326029 2040 67 7% 3353260 0 0 0 0 0 0 234728 358798830 2041 68 7% 3587988 0 0 0 0 0 0 251159 383914731 2042 69 7% 3839147 0 0 0 0 0 0 268740 410788732 2043 70 7% 4107887 0 0 0 0 0 0 287552 439543933 2044 71 7% 4395439 0 0 0 0 0 0 307681 470312034 2045 72 7% 4703120 0 0 0 0 0 0 329218 503233935 2046 73 7% 5032339 0 0 0 0 0 0 352264 538460236 2047 74 7% 5384602 0 0 0 0 0 0 376922 576152437 2048 75 7% 5761524 0 0 0 0 0 0 403307 616483138 2049 76 7% 6164831 0 0 0 0 0 0 431538 659636939 2050 77 7% 6596369 0 5000000 0 0 1596369 6596369 0 040 2051 78 7% 0 0 0 0 0 0 0 0 041 2052 79 7% 0 0 0 0 0 0 0 0 042 2053 80 0% 0 0 0 0 0 0 0 0 043 2054 81 0% 0 0 0 0 0 0 0 0 044 2055 82 0% 0 0 0 0 0 0 0 0 0

Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly Lump sum Investment to be required for each Goal Total Lump sum amt. required



Child Future - Planning For-

Kevin


Sandhya

Future Need Planning

Retirement Planning

Future Dream Planning

Total Amount Rs.

182050 168731 952813 0 0 1303594

0

Lumpsum 155624 144513 756374 0 0 1056511



0Child Future - Planning For-

Kevin


Sandhya


Retirement Planning

Future Dream Planning Total Needs Interest on


1 2012 39 8% 1056511 84521 1141032

2 2013 40 8% 1141032 55000 53000 0 0 0 108000 82643 1115674

3 2014 41 8% 1115674 60500 56180 0 0 0 116680 79920 1078914

4 2015 42 8% 1078914 66550 59551 952813 0 0 1078914 0 0

Consolidated Goal - Cash Flow


Required Amount






679489 276143 201399 0 0 1157030

0

Lumpsum 420627 171624 125567 0 0 717817

Monthly 0




Kevin


Sandhya


Retirement Planning



1 2012 39 9% 717817 64604 782421

2 2013 40 9% 782421 0 0 0 0 0 0 70418 852839

3 2014 41 9% 852839 0 0 0 0 0 0 76755 929594

4 2015 42 9% 929594 0 0 0 0 0 0 83663 1013258

5 2016 43 9% 1013258 146410 63124 0 0 0 209534 72335 876059

6 2017 44 9% 876059 161051 66911 102103 0 0 330065 49139 595134

7 2018 45 9% 595134 177156 70926 99296 0 0 347378 22298 270053

8 2019 46 9% 270053 194872 75182 0 0 0 270053 0 0

9777143 11169724 6091390 0 8770721 35808978

0 0 0 81786786 10246427 92033213

0

9777143 11169724 6091390 81786786 19017148 127842191

0


Monthly 0

Quarterly 0

Half Yearly 0

Yearly 0


9%

15%




Year OR Upto

Retirement Year -


Required Amount


Required Amount


Required Amount

Pre Retirement

Post Retirement



15%






Required Amount





0 2069700 1760718 2347729 3598023 1517693 11293862

0 0 0 0 0 0 0




Kevin


Sandhya


Retirement Planning



1 2012 39 12% 11293862 1355263 126491262 2013 40 12% 12649126 0 0 0 0 0 0 1517895 141670213 2014 41 12% 14167021 0 0 0 0 0 0 1700042 158670634 2015 42 12% 15867063 0 0 0 0 0 0 1904048 177711115 2016 43 12% 17771111 0 0 0 0 0 0 2132533 199036446 2017 44 12% 19903644 0 0 0 0 0 0 2388437 222920827 2018 45 12% 22292082 0 0 0 0 0 0 2675050 249671318 2019 46 12% 24967131 0 0 0 0 0 0 2996056 279631879 2020 47 12% 27963187 214359 79692 5578468 0 0 5872520 2650880 24741548

10 2021 48 12% 24741548 235795 168948 92921 0 0 497664 2909266 2715315011 2022 49 12% 27153150 259374 179085 0 0 0 438459 3205763 2992045412 2023 50 12% 29920454 1426558 189830 0 0 0 1616388 3396488 3170055313 2024 51 12% 31700553 1569214 201220 0 0 0 1770434 3591614 3352173414 2025 52 12% 33521734 1726136 345227 0 0 0 2071363 3774045 3522441515 2026 53 12% 35224415 0 379750 0 0 0 379750 4181360 3902602516 2027 54 12% 39026025 0 417725 0 0 0 417725 4632996 4324129717 2028 55 12% 43241297 0 2297486 0 0 0 2297486 4913257 4585706718 2029 56 12% 45857067 3438027 2527235 420000 0 0 6385263 4736617 4420842119 2030 57 12% 44208421 0 2779959 0 0 8659282 11439241 3932302 3670148220 2031 58 12% 36701482 907680 0 0 0 0 907680 4295256 4008905921 2032 59 12% 40089059 0 1603568 0 0 0 1603568 4618259 4310375022 2033 60 12% 43103750 0 0 0 0 111439 111439 5159077 4815138923 2034 61 7% 48151389 0 0 0 11836649 0 11836649 2542032 3885677124 2035 62 7% 38856771 0 0 0 1320672 767881 2088553 2573775 3934199425 2036 63 7% 39341994 0 0 0 1487159 129004 1616163 2640808 4036663926 2037 64 7% 40366639 0 0 0 1665701 0 1665701 2709066 4141000427 2038 65 7% 41410004 0 0 0 1857225 0 1857225 2768695 4232147328 2039 66 7% 42321473 0 0 0 2062740 149338 2212078 2807658 4291705329 2040 67 7% 42917053 0 0 0 2283333 980032 3263365 2775758 4242944630 2041 68 7% 42429446 0 0 0 2520184 0 2520184 2793648 4270291031 2042 69 7% 42702910 0 0 0 2774571 172878 2947449 2782882 4253834332 2043 70 7% 42538343 0 0 0 3047879 0 3047879 2764333 4225479733 2044 71 7% 42254797 0 0 0 3341609 0 3341609 2723923 4163711134 2045 72 7% 41637111 0 0 0 3657387 1450925 5108312 2557016 3908581535 2046 73 7% 39085815 0 0 0 3996981 0 3996981 2456218 3754505336 2047 74 7% 37545053 0 0 0 4362304 0 4362304 2322792 3550554137 2048 75 7% 35505541 0 0 0 4755438 0 4755438 2152507 3290261038 2049 76 7% 32902610 0 0 0 5178639 0 5178639 1940678 2966464939 2050 77 7% 29664649 0 0 0 5634359 6596369 12230728 1220374 1865429640 2051 78 7% 18654296 0 0 0 6125262 0 6125262 877032 1340606641 2052 79 7% 13406066 0 0 0 6654243 0 6654243 472628 722445042 2053 80 0% 7224450 0 0 0 7224450 0 7224450 0 043 2054 81 0% 0 0 0 0 0 0 0 0 044 2055 82 0% 0 0 0 0 0 0 0 0 0






Kevin


Sandhya


Retirement Planning

Future Dream Planning Total Amount

10638682 11614598 7245601 81786786 19017148 130302815

0 0 0 0

Goal Funding through Sale of Assets363072 801784 2434883 0 3599739

Goal Funding through Future Loan1719014 0 830757 0 2549771

Goal Funding through Financial Investments8556597 5505620 3559961 43174365 3761496 64558039

Goal Shortfall 0 5307194 420000 38612420 15255652 59595266

100% 54% 94% 53% 20% 54%

0% 46% 6% 47% 80% 46%Shortfall of Goal Amount (% wise ) : :










0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Child Future - Planning For-Kevin

Child Future - Planning For-Sandhya

Future Need Planning Retirement Planning Future Dream Planning

Goal Gap Analysis

Goal Shortfall






0 0 0 0 0 00

Lumpsum 0 0 0 0 0 0




Kevin


Sandhya


Retirement Planning

Future Dream Planning 0 Total Needs Interest on


1 2012 39 8% 0 0 02 2013 40 8% 0 0 0 0 0 0 0 0 03 2014 41 8% 0 0 0 0 0 0 0 0 04 2015 42 8% 0 0 0 0 0 0 0 0 0

0 0 0 0 0 00

Lumpsum 0 0 0 0 0 0Monthly 0




Kevin


Sandhya


Retirement Planning

Future Dream Planning 0 Total Needs Interest on


1 2012 39 9% 0 0 0 02 2013 40 9% 0 0 0 0 0 0 0 0 03 2014 41 9% 0 0 0 0 0 0 0 0 04 2015 42 9% 0 0 0 0 0 0 0 0 05 2016 43 9% 0 0 0 0 0 0 0 0 06 2017 44 9% 0 0 0 0 0 0 0 0 07 2018 45 9% 0 0 0 0 0 0 0 0 08 2019 46 9% 0 0 0 0 0 0 0 0 0

0 5307194 420000 0 8659282 14386476

0 0 0 38612420 6596369 452087900

0 5307194 420000 38612420 15255652 595952660


Monthly 0Quarterly 0

Half Yearly 0Yearly 0



Year OR Upto

Retirement Year -


Required AmountRequired in Year / From YearRequired Amount

Required in Year / From YearRequired Amount

Pre Retirement

Post Retirement



15%








Pre Retirement Period9%15%






0 0 729582 61171 1057555 1310707 31590160 0 0 0 0 0 0




Kevin


Sandhya


Retirement Planning



1 2012 39 12% 3159016 379082 35380972 2013 40 12% 3538097 0 0 0 0 0 0 424572 39626693 2014 41 12% 3962669 0 0 0 0 0 0 475520 44381894 2015 42 12% 4438189 0 0 0 0 0 0 532583 49707725 2016 43 12% 4970772 0 0 0 0 0 0 596493 55672656 2017 44 12% 5567265 0 0 0 0 0 0 668072 62353367 2018 45 12% 6235336 0 0 0 0 0 0 748240 69835778 2019 46 12% 6983577 0 0 0 0 0 0 838029 78216069 2020 47 12% 7821606 0 0 0 0 0 0 938593 8760199

10 2021 48 12% 8760199 0 0 0 0 0 0 1051224 981142311 2022 49 12% 9811423 0 0 0 0 0 0 1177371 1098879312 2023 50 12% 10988793 0 0 0 0 0 0 1318655 1230744913 2024 51 12% 12307449 0 0 0 0 0 0 1476894 1378434214 2025 52 12% 13784342 0 0 0 0 0 0 1654121 1543846415 2026 53 12% 15438464 0 0 0 0 0 0 1852616 1729107916 2027 54 12% 17291079 0 0 0 0 0 0 2074930 1936600917 2028 55 12% 19366009 0 0 0 0 0 0 2323921 2168993018 2029 56 12% 21689930 0 2527235 420000 0 0 2947235 2249123 2099181819 2030 57 12% 20991818 0 2779959 0 0 8659282 11439241 1146309 1069888620 2031 58 12% 10698886 0 0 0 0 0 0 1283866 1198275321 2032 59 12% 11982753 0 0 0 0 0 0 1437930 1342068322 2033 60 12% 13420683 0 0 0 0 0 0 1610482 1503116523 2034 61 7% 15031165 0 0 0 0 0 0 1052182 1608334624 2035 62 7% 16083346 0 0 0 0 0 0 1125834 1720918125 2036 63 7% 17209181 0 0 0 0 0 0 1204643 1841382326 2037 64 7% 18413823 0 0 0 0 0 0 1288968 1970279127 2038 65 7% 19702791 0 0 0 0 0 0 1379195 2108198628 2039 66 7% 21081986 0 0 0 0 0 0 1475739 2255772529 2040 67 7% 22557725 0 0 0 0 0 0 1579041 2413676630 2041 68 7% 24136766 0 0 0 0 0 0 1689574 2582634031 2042 69 7% 25826340 0 0 0 0 0 0 1807844 2763418432 2043 70 7% 27634184 0 0 0 0 0 0 1934393 2956857733 2044 71 7% 29568577 0 0 0 0 0 0 2069800 3163837734 2045 72 7% 31638377 0 0 0 0 0 0 2214686 3385306335 2046 73 7% 33853063 0 0 0 0 0 0 2369714 3622277836 2047 74 7% 36222778 0 0 0 3040029 0 3040029 2322792 3550554137 2048 75 7% 35505541 0 0 0 4755438 0 4755438 2152507 3290261038 2049 76 7% 32902610 0 0 0 5178639 0 5178639 1940678 2966464939 2050 77 7% 29664649 0 0 0 5634359 6596369 12230728 1220374 1865429640 2051 78 7% 18654296 0 0 0 6125262 0 6125262 877032 1340606641 2052 79 7% 13406066 0 0 0 6654243 0 6654243 472628 722445042 2053 80 0% 7224450 0 0 0 7224450 0 7224450 0 043 2054 81 0% 0 0 0 0 0 0 0 0 0

Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly Lump sum Investment to be required for each Goal Total Lump sum amt. required



Year Loan for Self Residence

Loan for Additional

Home

Loan for other Assets

Personal Loan / Credit

Cards

Total EMI Amount Rs.

Loan for Self Residence

Loan for Additional

Home



Cards

Loan from Friends / Relatives

Total Principal

Amt. Payable

Loan for Self Residence

Loan for Additional

Home



Cards

Loan from Friends / Relatives

Total Interest

Amt. Payable

2012 9000 0 6000 13500 28500 5663 0 5427 4003 0 15093 3337 0 573 9497 4500 179072013 36000 0 18000 54000 108000 23966 0 17202 20084 0 61252 12034 0 798 33916 18000 647482014 36000 0 0 54000 90000 26214 0 0 28635 0 54849 9786 0 0 25365 18000 531512015 36000 0 0 48000 84000 28673 0 0 34645 100000 163317 7327 0 0 13355 18000 386832016 36000 0 0 22500 58500 31363 0 0 19465 0 50828 4637 0 0 3035 0 76722017 36000 0 0 0 36000 34305 0 0 0 0 34305 1695 0 0 0 0 16952018 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02019 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02020 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02021 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02022 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02023 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02024 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02025 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02026 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02027 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02028 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02029 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02030 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02031 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02032 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02033 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02034 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02035 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02036 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Year wise - Various type of Loan Repayment ScheduleInterest Amount PayablePrincipal Amount PayableEMI - Amount Payable

020000400006000080000

100000120000140000160000180000

2012 2013 2014 2015 2016 2017

Total EMI Amount Rs. Total Principal Amt. Payable Total Interest Amt. Payable

0%10%20%30%40%50%60%70%80%90%

100%

2012 2013 2014 2015 2016 2017

Total Principal Amt. Payable Total Interest Amt. Payable



Before Recommendation 1210000 1275500 171500 243451 1878828 8.68% 8.97% 1352612 1105751

After Recommendation 171500 243451 1629594 1187030 956727

Proposed Changes-Cash Flow 0 0 -249234 -165583 -149024

Sr. No. Type of Scheme Scheme Name Holder Name Certificate No. Investment Date

Regular Inflow Outflow

Frequency / Mode

Regular Investment

Outflow Amount

Regular Investment Inflow from Investment

Maturity DateMaturity

Period (In Years)

Lumpsum Investment Amount Rs.

Total Invested

Amount Rs.

Total Amount Payable towards Future

Investment from Today

Total Amount Receivable

towards Interest from

Today

Maturity Value Rs.

Interest Rate (%)

Effective Rate of

Return (%)

Current Valuation of Investment

Estimated Surrender Value of

Investment Rs.

Liquidate? OR Continue?

Planner's Advice

1 Public Provident Fund & NPS 0 Amar Patel 11111111 15/12/2005 Monthly 1000 0 14/12/2020 15.00 50000 50000 98000 0 284820 8.00% 8.00% 78000 0

2 0 0 Sangita Patel 22222222 28/11/2001 Monthly 1000 0 27/11/2016 15.00 35000 35000 49000 0 120755 8.00% 8.00% 46000 0

3 Post Office Recurring Deposit Scheme 0 Amar Patel 0 06/12/2007 Monthly 1000 0 05/12/2012 5.00 0 58000 2000 0 73862 7.72% 7.95% 71231 64108

4 0 0 Maheshbhai Patel 0 10/07/2011 Monthly 500 0 09/07/2016 5.00 0 7500 22500 0 36931 7.72% 7.95% 9066 8159 Continue

5 Post Office Monthly Income Scheme 0 Amar Patel 0 06/12/2008 Monthly 0 667 05/12/2014 6.00 100000 100000 0 18000 110000 7.72% 8.00% 100000 90000 Continue

6 0 0 Sangita Patel 0 01/01/2012 Monthly 0 1708 31/12/2016 5.00 250000 250000 0 88833 250000 7.91% 8.20% 250000 225000 Continue

7 Senior Citizen Savings Scheme 0 Maheshbhai Patel 0 04/08/2011 Quarterly 0 2250 03/08/2016 5.00 100000 100000 0 36000 100000 8.71% 9.00% 100000 90000 Continue

8 0 0 Sujataben Patel 0 10/10/2010 Quarterly 0 1125 09/10/2015 5.00 50000 50000 0 14625 50000 8.71% 9.00% 50000 45000 Continue

9 Regular Income Bonds - NCD's 0 Amar Patel 0 01/12/2011 Quarterly 0 900 30/11/2016 5.00 40000 40000 0 15300 40000 9.00% 9.31% 40000 36000 Continue

10 0 0 Maheshbhai Patel 0 08/03/2009 Monthly 0 1375 07/03/2014 5.00 150000 150000 0 24750 150000 11.00% 11.57% 150000 135000 Continue

11 Regular Income - Company FD's 0 Amar Patel 1 05/12/2011 Quarterly 0 2703 04/12/2016 5.00 100000 100000 0 45943 100000 10.81% 11.26% 100000 90000 Continue

12 Post Office - Time Deposits 0 Amar Patel 0 05/12/2011 On Maturity 0 0 04/12/2016 5.00 25000 25000 0 0 37699 8.30% 8.56% 26746 24072 Liquidate

13 National Savings Certificates 0 Maheshbhai Patel 0 05/12/2011 On Maturity 0 0 04/12/2021 10.00 50000 50000 0 0 117171 8.70% 8.89% 53625 48263 Continue

14 0 0 Sangita Patel 0 01/10/2011 On Maturity 0 0 30/09/2017 6.00 30000 30000 0 0 48031 8.00% 8.16% 32448 29203 Continue

15 Kisan Vikas Patra 0 Sujataben Patel 0 05/12/2011 On Maturity 0 0 04/12/2019 8.58 35000 35000 0 0 70000 8.41% 8.41% 37402 33662 Liquidate

16 Cumulative - Growth - Bonds & NCD 0 Sujataben Patel 32423443 05/12/2011 On Maturity 0 0 04/12/2016 5.00 60000 60000 0 0 89391 8.00% 8.30% 64064 57657 Liquidate

17 Cumulative - Growth - Company FD's 0 Sandhya 3454354 05/12/2011 On Maturity 0 0 04/12/2016 5.00 35000 35000 0 0 52145 8.00% 8.30% 37371 33634 Liquidate

18 Bank Fixed Deposits > 1 Year 0 Karan 67567 05/12/2011 On Maturity 0 0 04/12/2016 5.00 100000 100000 0 0 148024 8.00% 8.16% 106660 95994 Continue

0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0



Before Recommendation 380000 175000 25991 365566 252585 37500 975975 4.83% 613691 401952 314984

After Recommendation 214667 125000 15751 163835 0 673792 358433 349452 163778

Proposed Changes-Cash Flow -165333 -50000 -10240 -88750 -37500 -302183 -255258 -52500 -151206

Sr. No. Type of Scheme Issued by Scheme Name Holder Name Policy No. Policy Start Date

RegularPremium Payment

Frequency Mode

Regular Insurance Premium Outflow Amount


Period (In Years)

Regular Premium Payment Term (In Years)

Estimated Bonus

Rate Per Rs. 1000

Sum Assured

Policy Status

Attached Rider (if

any)

Sum Assured Amount

Rs.

Pension Plan

Value Rs.

Yearly Premium Outflow

Total Amount

Paid towards Premium Amt. Rs.


Premium from

Today

Total Amount

Receivable towards Survival Benefit

from Today

Maturity Value Rs.

Effective Rate of Return

(%)

Current Valuation of Policy / Plan.

Paid UP Value of

Policy / Plan - Rs.

Surrender Value of Policy /

Plan - Rs.


Make Policy Paid Up?

Planner's Recommendation

1Regular Premium - Traditional Life Insurance Plan

Life Insurance Corporation of India

Money Back Amar Patel 861050992 22/07/2003 Yearly 5690 21/07/2023 20 20 45 In Force 0 75000 0 5690 56900 56900 37500 89625 3.80% 71900 52500 24644 Liquidate Policy with Current Surrender Value

2 0Life Insurance Corporation of India

Money Back Sangita Patel 861058554 12/07/2005 Yearly 4550 11/07/2020 15 15 45 In Force 0 50000 0 4550 36400 31850 0 56000 4.89% 24400 14667 8275 Stop to Pay Premium & Make Policy Paid UP

3 0Life Insurance Corporation of India

Jivan Mitra Amar Patel 861048264 20/06/2002 Yearly 2077 19/06/2027 25 25 45 In Force 0 50000 0 2077 22847 29078 0 108500 5.28% 47597 46750 16559 Continue to Pay Premium up to Maturity

4 0 0 0 Maheshbhai Patel 861057412 11/07/1997 Yearly 2118 10/07/2022 25 25 45 In Force 0 50000 0 2118 33888 19062 0 108500 5.15% 69888 68000 34170 Continue to Pay Premium up to Maturity

5 0 0 Jivan Mitra Amar Patel 861072191 28/06/1999 Half Yearly 2553 27/06/2020 21 21 45 In Force 0 100000 0 5106 68931 38295 0 199000 5.32% 129681 125036 66356 Continue to Pay Premium up to Maturity

6 Regular Premium - Traditional Pension Plan


ABC Amar Patel 8610509XX 10/06/2005 Yearly 6450 09/06/2025 20 20 45 In Force 0 0 125000 6450 51600 77400 0 243125 5.71% 96600 95000 38418 Continue to Pay Premium up to Maturity

7Single Premium - Traditional Life Insurance Plan


www1 Amar Patel 8610xxxx 12/07/1997 Single 0 11/07/2017 20 0 45 N.A. 0 55000 0 0 50000 0 0 73975 4.80% 92125 0 53213 Liquidate Policy with Current Surrender Value

8 Single Premium - Traditional Pension Plan


zzzz1 Sangita Patel 8610xxccc 12/12/1997 Single 0 11/12/2017 20 0 45 N.A. 0 0 50000 0 45000 0 0 97250 3.93% 81500 0 73350 Liquidate Policy with Current Surrender Value

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0



Before Recommendation 260000 260000 20000 210000 90000 426381 10.00% 2.57% 169000 150000

After Recommendation 0 260000 10000 90000 304784 86000 79000

Proposed Changes-Cash Flow -260000 0 -10000 0 -121597 -83000 -71000

Sr. No. Type of Scheme Issued by Scheme Name Holder Name Policy No. Policy Start Date

RegularPremium Payment

Frequency Mode

Regular Insurance Premium Outflow Amount


Period (In Years)

Regular Premium Payment Term (In Years)

Policy Status

Attached Rider (if

any)

Sum Assured

Amount Rs.

Pension Plan Value

Rs.

Yearly Premium Outflow

Total Amount Paid

towards Premium Amt. Rs.


Premium from Today

Maturity Value Rs.

Projected Growth

Rate from today on

ULIP / ULPP

Effective Rate of

Return (%)

Current Valuation of

Policy / Plan.

Surrender Value of Policy

/ Plan - Rs.


Make Policy Paid Up?

Planner's Recommendation

1 Regular Premium - Unit Linked Insurance Plan

Life Insurance Corporation of India qqqqqqq Amar Patel 11111111 25/06/2008 Yearly 10000 24/06/2013 20 5 In Force 0 200000 0 10000 50000 0 44000 10.00% -4.23% 30000 20000 Liquidate Policy with Current

Surrender Value

2 Regular Premium - Unit Linked Pension Plan

Life Insurance Corporation of India dfgggdfg Amar Patel 23342343 20/10/2006 Yearly 10000 19/10/2021 15 15 In Force 0 0 200000 10000 60000 90000 227187 10.00% 5.03% 33000 28000 Continue to Pay Premium up

to Maturity

3 Single Premium - Unit Linked Insurance Plan

Life Insurance Corporation of India sdfsdfsdfd 0 76868755 14/12/2005 Single 0 13/12/2015 10 0 N.A. 0 60000 0 50000 0 77597 10.00% 4.49% 53000 51000 Liquidate Policy with Current

Surrender Value

4 Single Premium - Unit Linked Pension Plan

Life Insurance Corporation of India sdfsdfsdfd Amar Patel 76868755 14/12/2005 Single 0 13/12/2015 10 0 N.A. 0 0 60000 0 50000 0 77597 10.00% 4.49% 53000 51000 Stay Invested & Continue

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0

0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0



30/09/2012 1217000 1590960 373960 12.70%

Date of Investment

OR Start Date

Present Investment Mode

IF SIP OR SWP,

Monthly Amt. of SIP

OR SWP

Total No. of Monthly

Transaction through

SIP OR SWP

Investment Amount Rs.

Price NAV Rs.

Unit Alloted

Dividend Recd. / SWP

Amount

Holder Name Folio No. Asset Class

Scheme Type

Scheme Primary Purpose

Fund House Scheme Name Fund Category Fund Sub-

Category No. of Units Current NAV Price

Current Fund Value

Rs.

Net Profit / Loss

CAGR (%)For >1 Year

Abs. Ret. For <1 Year

01/07/2003 Lumpsum 0 0 10000 12.00 833.33 0 Amar Patel 1 Equity Open Ended ELSS Birla Birla Sun Life Relief 96 - Growth Option Equity Diversified Tax Planning 833.333 10.11 8425 -1575 -1.83%

00/01/1900 SIP Running -For General Goal 5000 35 175000 12.00 14583.33 0 Sangita Patel 2 Equity Open Ended Growth HDFC HDFC MID-CAP OPPORTUNITIES FUND -

Growth Option Equity Diversified Mid & Small Cap 14583.333 16.425 239531 64531 20.15%

00/01/1900 SIP Running -For General Goal 7000 16 112000 218.00 513.76 0 Amar Patel 3 Equity Open Ended Growth HDFC HDFC Equity Fund - Growth Option Equity Diversified Multi Cap 513.761 261.375 134284 22284 25.23%

12/01/2009 Lumpsum 0 0 220000 48.60 4526.75 0 Sangita Patel 4 Equity Open Ended Growth Canara Canara Robeco Equity Diversified-Growth Option Equity Diversified Large & Mid Cap 4526.749 56.7400 256848 36848 4.25%

23/08/2003 Lumpsum 0 0 100000 35.00 2857.14 0 Maheshbhai Patel 5 Equity Open Ended Growth DSP DSP BlackRock India T.I.G.E.R. Fund - Regular Plan - Growth

Equity -Thematic & Others Infrastructure 2857.143 40.376 115360 15360 1.58%

18/04/2010 Lumpsum 0 0 300000 33.10 9063.44 0 Amar Patel 6 Equity Open Ended ELSS HDFC HDFC TaxSaver-Dividend Plan Equity Diversified Tax Planning 9063.444 49.822 451559 151559 18.13%

20/05/2010 Lumpsum 0 0 15000 33.10 453.17 0 Sangita Patel 7 Equity Open Ended ELSS HDFC HDFC TaxSaver-Dividend Plan Equity Diversified Tax Planning 453.172 49.822 22578 7578 18.86%

26/02/2009 Lumpsum 0 0 20000 181.45 110.22 0 Maheshbhai Patel 8 Equity Open Ended ELSS HDFC HDFC TaxSaver-Growth Plan Equity Diversified Tax Planning 110.223 219.242 24166 4166 5.40%

26/02/2009 Lumpsum 0 0 20000 11.24 1779.36 0 Sangita Patel 9 Equity Open Ended ELSS DSP DSP BlackRock Tax Saver Fund - Growth Equity Diversified Tax Planning 1779.359 16.148 28733 8733 10.61%

00/01/1900 SIP Running -For Retirement 3000 60 180000 112.00 1607.14 0 Amar Patel 10 Equity Open Ended ELSS ICICI ICICI Prudential Tax Plan-Growth Option Equity Diversified Tax Planning 1607.143 137.74 221368 41368 7.91%

26/02/2009 Lumpsum 0 0 25000 79.22 315.58 0 Sujataben Patel 11 Equity Open Ended Growth Reliance Reliance Banking Fund-Growth Plan-Growth Option Equity Sectoral Banking 315.577 99.2151 31310 6310 6.46%

26/02/2009 Lumpsum 0 0 10000 44.18 226.36 0 Amar Patel 12 Equity Open Ended Growth Reliance Reliance Pharma Fund-Growth Plan-Growth Equity Sectoral Pharma 226.357 59.1740 13394 3394 8.47%

26/02/2009 Lumpsum 0 0 10000 208.16 48.04 0 Amar Patel 13 Hybrid Open Ended Balanced Birla Birla Sun Life 95 Fund-Plan B(Growth) Balanced Equity-oriented 48.040 308.16 14804 4804 11.53%

26/02/2009 Lumpsum 0 0 10000 253.25 39.49 0 Amar Patel 14 Debt Open Ended Liquid Birla Birla Sun Life Cash Plus-Retail (Growth) Debt -Liquid Liquid 39.487 289.3031 11424 1424 3.77%

26/02/2009 Lumpsum 0 0 10000 11.15 897.00 0 Amar Patel 15 Hybrid Open Ended Income Birla Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth)

Debt Oriented -MIP & Asset Allo.

Debt-oriented Aggressive 896.998 19.1483 17176 7176 16.24%

00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%

00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%

00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%

00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%

00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%

00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%

00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%

00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%

00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%

00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%

00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%



OR

Price Data on : 16-Jul-12 Price Data on : Cash=> 19344

Sr. No.(Optional)

Investment Date

NSE Symbol NSE Series BSE Stock

Name Group Type Stock NameQuantity /

No. of Stocks

Purchase Cost /

Average Cost Rs.

Total Investment Value Rs.

Current Price of

Stock (Rs.)

Total Market Value of

Stock - (Rs.)

Profit / Loss

Amount -Rs.

Abs. Return OR CAGR %

Sale Qty. ( if any) Amount Rs.

1 00/01/1900 BAJAJ-AUTO EQ 0 0 0 Bajaj Auto 58 1156 67048 1488.00 86304 19256 28.72% 13 19344

2 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

3 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

4 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

5 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

6 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

7 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

8 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

9 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

10 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

11 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

12 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

13 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

14 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

15 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

16 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

17 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

18 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

19 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

20 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

21 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

22 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

23 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

24 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

25 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

26 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

27 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

28 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

29 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0

Planner's AdviceTotal Value << Stock Portfolio

Select Stock - NSE Select Stock - BSEPlan Date :

N.A.30/09/201286304

Total Value >> Stock Portfolio

67048



Allocated : 106832Actual : 106832

Sr. No. Assets Name

Outstanding Loan Balance

Rs.

O / S. -Total Amount to be

paid


Existing Interest Rate

EMI Amount Rs.

O / S. -Interest Amt. to be

paid

Extra Payment as

of Today

Put your Extra

Payment -1

Extra Payment in Future Date

Put your Extra

Payment -2

Extra Payment in Future Date

Put your Extra

Payment -31 Residential Building / Flat 150183 189000 63 9.00% 3000 38817 68400 61560 615602 Agriculture Land 0 0 0 0.00% 0 0 83400 82656 826563 Shop / Office Premises 0 0 0 0.00% 0 0 104600 103400 1034004 Furniture / Fixtures / Paintings 0 0 0 0.00% 0 0 114600 103140 1031405 Home Contents / Appliances 0 0 0 0.00% 0 0 52400 52400 524006 Home Contents / Appliances 0 0 0 0.00% 0 0 62000 57700 577007 Four Wheelers 0 0 0 0.00% 0 0 485400 460856 4608568 Four Wheelers 0 0 0 0.00% 0 09 Two Wheelers 22629 24000 12 11.00% 2000 1371

10 Two Wheelers 0 0 0 0.00% 0 011 Two Wheelers 0 0 0 0.00% 0 012 Additional Residence / Flat 0 0 0 0.00% 0 013 Commercial Land 0 0 0 0.00% 0 014 Agriculture Land 0 0 0 0.00% 0 015 Holiday Home / Farm House 0 0 0 0.00% 0 016 Shop / Office Premises 0 0 0 0.00% 0 017 Any Others 0 0 0 0.00% 0 018 Credit Card Outstanding's 63167 120000 48 36.00% 2500 56833 10/2012 6316719 Credit Card Outstanding's 43665 72000 36 36.00% 2000 28335 10/2012 4366520 Credit Card Outstanding's 0 0 0 0.00% 0 021 Personal Loan 0 0 0 0.00% 0 022 Personal Loan 0 0 0 0.00% 0 023 Loan from Friends-1 100000 18.00%24 0 0 0.00%

Existing Proposed

Sr. No. Assets Name


Revised Int. rate today onwards

Revised EMI Amount Rs.


Revised Interest rate

today onwards

Revised EMI Amount Rs.

Proposed - O/ S. Period

in Months

Proposed -Additional Payment

O/s. Loan after

Additional Payment

Exisitng -Total Interest Payable

Proposed -Total Interest

PayableYear Existing Proposed

1 Residential Building / Flat 63 9.00% 3000 63 0 150183 38817 38817 0 2012 33000 194992 Agriculture Land 0 0.00% 0 0 0 0 0 0 0 2013 126000 720003 Shop / Office Premises 0 0.00% 0 0 0 0 0 0 0 2014 108000 540004 Furniture / Fixtures / Paintings 0 0.00% 0 0 0 0 0 0 0 2015 202000 1540005 Home Contents / Appliances 0 0.00% 0 0 0 0 0 0 0 2016 58500 360006 Home Contents / Appliances 0 0.00% 0 0 0 0 0 0 0 2017 36000 360007 Four Wheelers 0 0.00% 0 0 0 0 0 0 0 2018 0 08 Four Wheelers 0 0.00% 0 0 0 0 0 0 0 2019 0 09 Two Wheelers 12 11.00% 2000 12 0 22629 1371 1371 0 2020 0 0

10 Two Wheelers 0 0.00% 0 0 0 0 0 0 0 2021 0 011 Two Wheelers 0 0.00% 0 0 0 0 0 0 0 2022 0 012 Additional Residence / Flat 0 0.00% 0 0 0 0 0 0 0 2023 0 013 Commercial Land 0 0.00% 0 0 0 0 0 0 0 2024 0 014 Agriculture Land 0 0.00% 0 0 0 0 0 0 0 2025 0 015 Holiday Home / Farm House 0 0.00% 0 0 0 0 0 0 0 2026 0 016 Shop / Office Premises 0 0.00% 0 0 0 0 0 0 0 2027 0 017 Any Others 0 0.00% 0 0 0 0 0 0 0 2028 0 018 Credit Card Outstanding's 48 36.00% 2500 0 63167 0 56833 0 56833 2029 0 019 Credit Card Outstanding's 36 36.00% 2000 2 43665 0 28335 0 28336 2030 0 020 Credit Card Outstanding's 0 0.00% 0 0 0 0 0 0 0 2031 0 021 Personal Loan 0 0.00% 0 0 0 0 0 0 0 2032 0 022 Personal Loan 0 0.00% 0 0 0 0 0 0 0 2033 0 023 Loan from Friends-1 10000024 0 0

Recommendation on Regular EMI Payment( Subject to Surplus Cash Flow in Future )

Benefit / Loss -

Interest Amount

Wants to changing loan as per following

Total Yearly Payment of EMINet Effect after Proposed Extra

Payment ( As above) & Proposed Regular EMI Payment

Effective data after recommendation on Regular Payment

Personal ExpensesHousing ExpensesFood ExpensesLiving ExpensesHealth ExpensesEntertainment Expenses

Total Expenses :

Existing Loan Portfolio Details Additional Lumpsum Payment towards Loan Expenses as

per Current Lifestyle

As Mentioned,

You can reduce exp. upto amt.

Suggested Amount by

Planner

Expenses Particulars

Additional Lumpsum Payment in future date (Subject to Surplus Available)

Stratagies & Recommendation through Restructuring of Existing Loan & Expenses

-

50

100

150

200

250

201

3 2

014

201

5 2

016

201

7 2

018

201

9 2

020

202

1 2

022

202

3 2

024

202

5 2

026

202

7 2

028

202

9 2

030

203

1 2

032

203

3 2

034

x 10

000

Current Proposed Savings

5936

7

6008

5

5494

7

3046

5

9151

1051

8

1208

2

9307

1131

0

1355

9

1038

5

1318

8

1630

1

1975

1

2356

3

2776

7

3239

6

3748

4

4306

9

4919

1

5589

5

0

10000

20000

30000

40000

50000

60000

70000

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

2030

2031

2032

2033

Available Net Yearly Balance after Proposed Changes in Loan Repayment & Regular Investments ( if any)

126000

108000

270790

127290

104790

68790

68790

69747

69747

69747

69747

69747

69747

69747

69747

69747

69747

69747

69747

69747

69747

69747

0

0

0

72000

54000

222790

104790

104790

68790

68790

69747

69747

69747

69747

69747

69747

69747

69747

69747

69747

69747

69747

69747

69747

69747

0

0

0

0 100000 200000 300000

2013201420152016201720182019202020212022202320242025202620272028202920302031203220332034203520362037

Existing Loan Payment Proposed Loan Payment



Liquidate Amt291797 149024250000 151206541797 541797 71000

Available Balance : Existing 360960225668 40% 216719 19344 751534120000 30% 162539 Existing Liquidate Amt

0 30% 162539 From Physical Gold / Silver 450000

345668 100% 541797 From Properties 1000000

196129 From Retirement Fund 315000

From O/s. Receivables / Loan 100000

From O/s. Receivables / Loan 0 0555405

106832 106832448573

Balance Allocated towards Investment A/c. - Rs. : 4485730

LT Direct Equity 86304 66960 ST Cash A/C. + SB A/c. Balance 225668 225668 -8949

ML Large & Mid Cap 256848 210000 ST Bank Fixed Deposit : < 1 Year 120000 120000 42539

LT Mid & Small Cap 239531 250000 ST Liquid 11424 0 162539

0 - to - 3 8% ML Multi Cap 134284 180000 ST FMP 0 0

4 - to - 7 9% ML Tax Planning 756828 500000 ST Gilt Medium & Long Term 0 0

ML Large Cap 0 0 100000 ST Gilt Short Term 0 0

LT Banking 31310 0 ST Income 0 0

LT FMCG 0 0 ST Short Term 0 0

Age : 60 LT Pharma 13394 0 ST Ultra Short Term 0 0

Year : 2033 LT Technology 0 0 SM Debt-oriented Aggressive 17176 0

Age : 80 LT Equity: Others 0 0 SM Debt-oriented Conservative 0 0 148573

Year : 2053 LT Infrastructure 115360 90000 ST Arbitrage 0 0

LT International 0 0 SM Asset Allocation 0 0

ML Equity-oriented 14804 0 200000 SM Hybrid: Others 0 0

LT Public Provident Fund 124000 124000 LT Reg. Prem.-ULIP 30000 0

MT Post Office Rec.Deposit 80297 80297 LT Reg. Prem.-ULPP 108000 33000

291797 MT Post Office MIS 350000 350000 LT Single Prem.-ULIP 53000 0

250000 MT Senior Citizen Savings Scheme 150000 150000 LT Single Prem.-ULPP 53000 53000

374268 SM Post Office - Time Deposits 26746 0 LT Reg. Prem. -Tradi. Life Ins. 343466 261833

ML National Savings Certificates 86073 86073 LT Reg. Prem. -TradI. Pension Plan 96600 96600

1162765 19% 1162765 LT Kisan Vikas Patra 37402 0 LT Single Prem.-Tradi. Life Ins. 92125 0

LT Single Prem.-Tradi. Pension Plan 81500 0

SM Income Bond's & NCD 190000 190000

SM Income -Co. FD's 100000 100000 LT Gold 0 0

SM Growth -Bond's & NCD 64064 0 LT Gold /Silver 450000 450000

SM Growth -Co. FD's 37371 0

SM Bank FDR > 1 Year 106660 106660 LT Real Estate 1000000 1000000

LT Retirement Fund 315000 315000

Cash Reconciliation, Asset Allocation & Portfolio Rebalancing

Ris

k A

na

lysi

s

Ideal Asset Allocation - As per your Risk Profile - (Select Below)



Your risk analysis from above questionnaireResult of Risk Analysis

Risk Capacity HighRisk Behaviour Balanced - (Medium Risk)

Liquid

Available Balance Rs.

Proposed Allocation

Financial ConcernsInflation Extremely ConcernTax Relief/advantage Slightly ConcernSafety/ Security Slightly ConcernLiquidity Not Concern

Life

Insu

ranc

eG

old

Cash

De

bt M

utua

l Fun

d

Post

Offi

ce S

chem

eBo

nds &

FDR

-196129Cash -From Liquidation of Investments

From Unit Linked Life Ins./ Pension Plan From Mutual Fund Portfolio From Stock Market Portfolio

Net Cash Balance Amount Rs. : ( It should be = 0)

From Traditional Life Ins./ Pension Plan

Add:

Less: For Loan - Additional Repayment Total Available Cash to utilise / OR / Re-Invest :

From Fixed Return Scheme PortfolioFor Current Year NeedTotal required Amt. Rs.

Required - Cash & Equivalent

Less:Cash A/C. + SB A/c. Balance

Cash reqd. from Existing Portfolio

Balanced ( Medium Risk )

For Allocation of Gold :For Allocation of Properties

Minimum Portfolio Size of Rs. :

10000000

Scheme ParticularsExisting

PortfolioAfter

Changes(-)After Changes(-

)Proposed Addition

Existing Portfolio

12%

Retirement :

Life Expectacy :

Post Retirement Rate of Return

(%)

Post Tax Rate of Return (%)

7%


upto Retirement.:

Short Term NeedMedium Term Need

8 - Year onwardsLong Term Need

22

C/ F Balance from Cash & Equivalent

3919406

Total Value of Existing Investment as of today : Rs. 5998235

Future Need - Period breakup with required Rate of Return

For Emergency FundFor Current Year Need

Investment Allocation to be required as of today

15% 916065

Post Tax - Return Select

8 to 22 Years @12% & 23 years onwards - Post Retirement @7%

Next 3 Years @8%

4 to 7 Years @9%

Actual applicable to your Need as per following

391940665%

For Short Term

For Medium Term

For Long Term

For Emergency Fund

Bank Fixed Deposit : < 1 Year

Weightage / Allocation


PortfolioAfter Changes(-

)Proposed Addition


PortfolioAfter

Changes(-)Proposed Addition

Equi

ty M

utua

l Fun

d

Generating Income Not ConcernEase of Management Extremely Concern

Investment PrioritiesPreserve Capital Some ExtentRegular Income Not PriorityTimely Goal Achievement Very ImportantOptimum Return Fairly ImportantGrowth Over Time Very ImportantMaximum Growth Some Extent

Scheme ParticularsProposed Addition

For - Pre - Retirement Period : Period (Years) :

Less:Balance Amount Available to Investment - Rs.:

Cash, 6%

Debt, 38%

Equity, 32%

Gold, 8%

Properties, 17%

Cash, 10%

Debt, 36%

Equity, 29%

Gold, 8%

Properties, 18%

0% 10% 20% 30% 40% 50%

Existing V/s. Proposed Portfolio

Existing Allocation Proposed Allocation

Cash , 13%

Debt, 34%

Equity, 46%

Gold, 7%

Properties, 0%

Cash , 6%

Debt, 38%

Equity, 32%

Gold, 8%

Properties, 17%

0% 10% 20% 30% 40% 50%Allocation - As per Risk Profie V/s. Existing Portfolio

As Risk Profile -Ideal Existing

1%

97%

0% 2%9%

72%

0%19%

0%

50%

100%

Debt Equity Gold Hybrid

Mutual Fund Allocation

ExistingAllocation

ProposedAllocation



4% 4%

28%

2%

7%

15% 15%

8%

18%

6%4%

5%

32%

1%

5%

14%

8% 8%

18%

6%

0%

5%

10%

15%

20%

25%

30%

35%Cash Account Bank FDR Mutual Funds Stock Market

Bonds / NCD's& Co. FD's

Post OfficeScheme Life Insurance

Physical Gold /Funds / ETF

PropertiesInvestment

RetirementFund


0% 0% 1% 0%

87%

0% 3% 7%0% 0% 1% 1% 0%0% 0%

9%0%

62%

5%0%

5%0% 0%

11%0%

8%

0%10%20%30%40%50%60%70%80%90%

100%Debt -FMP

Debt Govt.Sec. Debt -Liquid

Debt -ShortTerm &Income

EquityDiversified

EquityDiversified/Index Fund

EquitySectoral

Equity -Thematic &

OthersGold Funds

& ETF

AssetAllocation &

Others Balanced

DebtOriented -

MIP & AssetAllo.

DebtOriented -MIP & Cap.

Prot.

MF AllocationExisting Allocation Proposed Allocation

6%

0%

26%

1%

23%

10%

4%

8%

17%

5%

10%

3%

26%

1%

21%

6%

2%

8%

18%

6%

0% 5% 10% 15% 20% 25% 30%

Cash - SB A/c./ ST FDR /Liquid

Debt -Mutual Fund

Equity - Mutual Fund

Equity - Stock Market

Debt - FD/Bonds/NCD/Post

Debt - Life Insurance

Equity - Life Insurance

Gold - Funds /ETF / Physical


Retirement Fund


6%9% 10%

21%

55%

10% 10% 10%

22%

48%

0%

10%

20%

30%

40%

50%

60%

Short Term Short /Medium Term

Medium Term Medium /Long Term

Long Term

Existing Proposed

6%

9%

10%

2%

18%

0%

19%

12%

8%

17%

9%

9%

10%

3%

14%

1%

22%

8%

8%

17%

0% 5% 10% 15% 20% 25%

Short Term

Short / Medium Term

Medium Term

Medium / Long Term

Long Term

Short / Medium Term

Medium / Long Term

Long Term

Long Term

Long Term

Cash

Deb

tD

ebt

Deb

tD

ebt

Equi

tyEq

uity

Equi

tyG

old

Prop

ertie

s

Existing Proposed



Plan Date : 30/09/2012

Public Provident Fund 0

Sr. No. Select Postal Scheme - Term / Rate

Investment Date Holder Name Period

(Years) Rate (%) Compounding Mode


Regular Investment Frequency

Suggested Lumpsum Investment

Planned - Regular

InvestmentMaturity Date Maturity Value

1 00/01/1900 Yearly 0% 02 00/01/1900 Yearly 0% 03 00/01/1900 Yearly 0% 04 00/01/1900 Yearly 0% 05 00/01/1900 Yearly 0% 0

Post Office Recurring Deposit Scheme





Regular Investment Frequency

Regular Investment Amount Rs.

Maturity Date Maturity Value

1 00/01/1900 0.00% Monthly 02 00/01/1900 0.00% 0

Post Office Monthly Income Scheme 0





Interest Receivable Frequency

Lump sum Investment Value Rs.

Regular Income from Investment


1 00/01/1900 0.00% 0 02 00/01/1900 0.00% 0 03 00/01/1900 0.00% 0 04 00/01/1900 0.00% 0 0

Senior Citizen Savings Scheme 0









1 00/01/1900 0.00% 0 02 00/01/1900 0.00% 0 0

Advice to New Addition of - Fixed Return Schemes

Suggested : >>

Suggested : >>

Suggested : >>

5936

7

6008

5

5494

7

3046

5

9151

1051

8

1208

2

9307

1131

0

1355

9

1038

5

1318

8

1630

1

1975

1

2356

3

2776

7

3239

6

3748

4

4306

9

4919

1

5589

5

010000200003000040000500006000070000

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

2030

2031

2032

2033




Regular Income Bonds - NCD's 0

Sr. No. Issued by Company / Financial Institution Investment Date Holder Name Period







1 00/01/1900 0.00% 0 0 02 00/01/1900 0.00% 0 3 00/01/1900 0.00% 0 4 00/01/1900 0.00% 0 5 00/01/1900 0.00% 0

Regular Income - Company FD's 0








1 00/01/1900 0.00% 0 0 02 00/01/1900 0.00% 0 0 03 00/01/1900 0.00% 0 0 04 00/01/1900 0.00% 0 0 05 00/01/1900 0.00% 0 0 0

Post Office - Time Deposits 0








1 00/01/1900 0.00% 02 00/01/1900 0.00% 0

National Savings Certificates 0








1 00/01/1900 0.00% 02 00/01/1900 0.00% 03 00/01/1900 0.00% 04 00/01/1900 0.00% 05 00/01/1900 0.00% 0

Suggested : >>

Suggested : >>

Suggested : >>

Suggested : >>



Cumulative - Growth - Bonds & NCD 0







1 00/01/1900 0.00% 02 00/01/1900 0.00% 03 00/01/1900 0.00% 04 00/01/1900 0.00% 05 00/01/1900 0.00% 0

Cumulative - Growth - Company FD's 0







1 00/01/1900 0.00% 02 00/01/1900 0.00% 03 00/01/1900 0.00% 04 00/01/1900 0.00% 05 00/01/1900 0.00% 0

Bank Fixed Deposits > 1 Year 0

Sr. No. Issued by Bank Investment Date Holder Name Period






1 00/01/1900 0.00% 02 00/01/1900 0.00% 03 00/01/1900 0.00% 04 00/01/1900 0.00% 05 00/01/1900 0.00% 06 00/01/1900 0.00% 07 00/01/1900 0.00% 08 00/01/1900 0.00% 09 00/01/1900 0.00% 0

10 00/01/1900 0.00% 0

Suggested : >>

Suggested : >>

Suggested : >>



Plan Date : 30/09/2012

0

SR. Name of Life Ins. Co. Scheme / PlanPolicy Holder /

Name of Person Insured

Plan No. ( if any) -For LIC

Policy

Maturity Term ( In Years)

Premium Paying Term

(In Years)Start Date Sum Assured Premium

Amount Rs.Premium

Payment ModeAttached Rider

(If any)

Estimated Bonus Rate

Per 1000 Sum Assured

Maturity Amount IRR % Year Sr.

% of Sum

AssuredYear Sr.

% of Sum

AssuredYear Sr.

% of Sum

AssuredYear Sr.

% of Sum

AssuredYear Sr.

% of Sum

AssuredYear Sr.

% of Sum

AssuredYear Sr.

% of Sum

AssuredTotal

00/01/1900 0 0.00%

00/01/1900 0 0.00%

00/01/1900 0 0.00%

00/01/1900 0 0.00%

00/01/1900 0 0.00%

0

SR. Name of Life Ins. Co. PlanPolicy Holder /


Plan No. ( if any)


Premium Paying Term

(In Years)Start Date Plan / Scheme

ValuePremium

Amount Rs.Premium

Payment Mode



Maturity Amount IRR %

00/01/1900 0 0.00%

00/01/1900 0 0.00%

0



Start Date Maturity Term ( In Years)

Premium Amount Rs. Sum Assured



Maturity Amount IRR % Year Sr.

% of Sum

AssuredYear Sr.

% of Sum

AssuredYear Sr.

% of Sum

AssuredYear Sr.

% of Sum

AssuredYear Sr.

% of Sum

AssuredYear Sr.

% of Sum

AssuredYear Sr.

% of Sum

AssuredTotal

00/01/1900 0 0.00%00/01/1900 0 0.00%

0




Premium Amount Rs.

Pension Plan Value




00/01/1900 0 0.00%00/01/1900 0 0.00%

Suggested : >>

Suggested : >>

Suggested : >>

Suggested : >>

Regular Premium - Traditional Pension Plan

Regular Premium - Traditional Life Insurance Plan

Single Premium - Traditional Life Insurance Plan

Single Premium - Traditional Pension Plan

6th Installment 7th Installment

Survival Benefit @% of Sum Assured - in Year (if any)

1st Installment 2nd Installment 3rd Installment 4th Installment 5th Installment

Survival Benefit @% of Sum Assured - in Year (if any)

1st Installment 2nd Installment 3rd Installment 4th Installment 5th Installment 6th Installment 7th Installment

Survival Benefit Data

Advice to New Addition of - Traditional - (With Profit) - Life Insurance & Pension Plan

5936

7

6008

5

5494

7

3046

5

9151

1051

8

1208

2

9307

1131

0

1355

9

1038

5

1318

8

1630

1

1975

1

2356

3

2776

7

3239

6

3748

4

4306

9

4919

1

5589

5

010000200003000040000500006000070000

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

2030

2031

2032

2033




Plan Date : 30/09/2012

accordingly

SR. Name of Life Ins. Co. Scheme / PlanPolicy Holder /


Fund Allocation


Suggested Premium

Paying TermStart Date Sum Assured Premium

Amount Rs.Premium

Payment ModeAttached Rider

(If any)

Projected Return -

@%


00/01/1900 0

00/01/1900 0

00/01/1900 0

00/01/1900 0

00/01/1900 0



Fund Allocation


Suggested Premium

Paying TermStart Date Plan / Scheme

ValuePremium

Amount Rs.Premium

Payment Mode

Projected Return -

@%


00/01/1900 0

00/01/1900 0

0




Premium Amount Rs. Sum Assured

Projected Return -

@%

Fund Allocation


00/01/1900 000/01/1900 0

0




Premium Amount Rs.

Pension Plan Value

Projected Return -

@%

Fund Allocation


00/01/1900 000/01/1900 0

Suggested : >>

Suggested : >>

Suggested : >>

Regular Premium - Unit Linked Life Insurance Plan Suggested : >>

Single Premium - Unit Linked Life Insurance Plan

Advice to New Addition of - Unit Linked - Life Insurance & Pension Plan

Regular Premium - Unit Linked Pension Plan

Single Premium - Unit Linked Pension Plan

5936

7

6008

5

5494

7

3046

5

9151

1051

8

1208

2

9307

1131

0

1355

9

1038

5

1318

8

1630

1

1975

1

2356

3

2776

7

3239

6

3748

4

4306

9

4919

1

5589

5

010000200003000040000500006000070000

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

2030

2031

2032

2033





Self Employed / Personal Income

Spouse Income


House Rent Income

Other Income

Other Income

Other Income

Interest on Loan /

Principal - from

Friends/ Relatives

Personal Expenses

Housing Expenses

Food Expenses

Living Expenses

Health Expenses


Total Expenses

0 2012 39 36 206886 60000 50000 0 0 0 0 3750 22800 27800 34867 38200 17467 20667 1618001 2013 40 37 623026 197773 165000 0 0 0 0 15000 72504 88404 112968 122622 57640 68200 5223382 2014 41 38 622490 215513 181500 0 0 0 0 15000 76854 93708 122005 131206 63404 75020 5621973 2015 42 39 623562 235038 199650 0 0 0 0 15000 81465 99331 131766 140390 69744 82522 6052184 2016 43 40 623489 256297 219615 0 0 0 0 15000 86353 105291 142307 150217 76719 90774 6516615 2017 44 41 625755 280818 241577 0 0 0 0 15000 91535 111608 153692 160732 84391 99852 7018096 2018 45 42 625405 307324 265734 0 0 0 0 15000 97027 118304 165987 171984 92830 109837 7559697 2019 46 43 625405 335927 292308 0 0 0 0 15000 102848 125403 179266 184023 102113 120820 8144738 2020 47 44 625405 366925 321538 0 0 0 0 115000 109019 132927 193607 196904 112324 132903 8776849 2021 48 45 628495 401534 353692 0 0 0 0 0 115560 140903 209096 210687 123556 146193 945995

10 2022 49 46 663598 466874 389061 0 0 0 0 0 122494 149357 225824 225436 135912 160812 101983411 2023 50 47 663598 512160 427968 0 0 0 0 0 129844 158318 243889 241216 149503 176893 109966412 2024 51 48 663598 558232 470764 0 0 0 0 0 137634 167817 263401 258101 164454 194583 118598913 2025 52 49 663598 608905 517841 0 0 0 0 0 145892 177886 284473 276168 180899 214041 127935914 2026 53 50 663598 664649 569625 0 0 0 0 0 154646 188559 307230 295500 198989 235445 138036915 2027 54 51 663598 725959 626587 0 0 0 0 0 163925 199873 331809 316185 218888 258989 148966916 2028 55 52 663598 793404 689246 0 0 0 0 0 173760 211865 358354 338318 240777 284888 160796217 2029 56 53 663598 867595 758171 0 0 0 0 0 184186 224577 387022 362000 264854 313377 173601618 2030 57 54 663598 949120 833988 0 0 0 0 0 195237 238052 417984 387340 291340 344715 187466719 2031 58 55 663598 1028589 917386 0 0 0 0 0 206951 252335 451422 414454 320474 379186 202482220 2032 59 56 663598 1115994 1009125 0 0 0 0 0 219368 267475 487536 443466 352521 417105 218747121 2033 60 57 663598 1212143 1110037 0 0 0 0 0 232530 283524 526539 474508 387773 458815 236369022 2034 61 58 0 1317908 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 1434254 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 1562224 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(Existing ) -Today - onwards - Cash - Inflow & Outflow with Investment Cash Flow & AnnexuresAge : Main Income Other Income Regular Expenses - Outflow



Sr. No. Year Amar Patel

Sangita Patel

Post Office Reccuring

Deposit

Traditional Life

Insurance Plan

Traditional Pension

Plan

Unit Linked Life

Insurance Plan

Unit Linked Pension

Plan

Mutual Fund SIP

Investment

Total Investment

Outflow

Regular Investment

in PPF

Mutual Fund SIP

Investment

Total Investment

for Retirement

EPF Contribution

(Self)

EPF Contribution

(Spouse)

0 2012 39 36 3500 2553 0 0 10000 48000 64053 6000 12000 18000 82053 25920 01 2013 40 37 6000 19541 6450 0 10000 156000 197991 24000 42000 66000 263991 77760 02 2014 41 38 6000 19541 6450 0 10000 168000 209991 24000 48000 72000 281991 77760 03 2015 42 39 6000 19541 6450 0 10000 180000 221991 24000 54000 78000 299991 77760 04 2016 43 40 3000 19541 6450 0 10000 192000 230991 22000 60000 82000 312991 77760 05 2017 44 41 0 19541 6450 0 10000 204000 239991 12000 66000 78000 317991 77760 06 2018 45 42 0 19541 6450 0 10000 216000 251991 12000 72000 84000 335991 77760 07 2019 46 43 0 19541 6450 0 10000 228000 263991 12000 78000 90000 353991 77760 08 2020 47 44 0 9885 6450 0 10000 240000 266335 11000 84000 95000 361335 77760 09 2021 48 45 0 9885 6450 0 0 252000 268335 0 90000 90000 358335 77760 0

10 2022 49 46 0 7767 6450 0 0 264000 278217 0 96000 96000 374217 77760 011 2023 50 47 0 2077 6450 0 0 276000 284527 0 102000 102000 386527 77760 012 2024 51 48 0 2077 6450 0 0 288000 296527 0 108000 108000 404527 77760 013 2025 52 49 0 2077 0 0 0 300000 302077 0 114000 114000 416077 77760 014 2026 53 50 0 2077 0 0 0 312000 314077 0 120000 120000 434077 77760 015 2027 54 51 0 0 0 0 0 324000 324000 0 126000 126000 450000 77760 016 2028 55 52 0 0 0 0 0 336000 336000 0 132000 132000 468000 77760 017 2029 56 53 0 0 0 0 0 348000 348000 0 138000 138000 486000 77760 018 2030 57 54 0 0 0 0 0 360000 360000 0 144000 144000 504000 77760 019 2031 58 55 0 0 0 0 0 372000 372000 0 150000 150000 522000 77760 020 2032 59 56 0 0 0 0 0 384000 384000 0 156000 156000 540000 77760 021 2033 60 57 0 0 0 0 0 396000 396000 0 162000 162000 558000 77760 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0

Self / Employer ContributionAge : Investment For Retirement NeedsRegular Investment Outflow Total


(Outflow)



Fixed Assets - For

Personal use only

Fixed Assets - For

Personal use only

Loan for Expenses

Loan for Expenses Others Loan Others Loan


Movable Properties

Expenses type Loan-

EMI

Expenses type Loan-

EMI

Liabilities of Payment


Residential Building /

Flat

Two Wheelers

Credit Card Outstanding'

s

Credit Card Outstanding'

s

Loan from Friends-1

Loan from Friends-1-

Interest


Sangita Patel

0 2012 39 36 9000 6000 7500 6000 0 4500 0 0 0 0 0 0 0 0 330001 2013 40 37 36000 18000 30000 24000 0 18000 0 0 0 0 0 0 0 0 1260002 2014 41 38 36000 0 30000 24000 0 18000 0 0 0 0 0 0 0 0 1080003 2015 42 39 36000 0 30000 18000 100000 18000 0 0 0 0 0 0 0 0 2020004 2016 43 40 36000 0 22500 0 0 0 0 0 0 0 0 0 0 0 585005 2017 44 41 36000 0 0 0 0 0 0 0 0 0 0 0 0 0 360006 2018 45 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 08 2020 47 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

10 2022 49 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Assets - Purpose of use

Property Types

Loan on Assets

Total Loan Payment Liabilites




Sangita Patel

HDFC MID-CAP

OPPORTUNITIES FUND -

Growth Option

HDFC Equity Fund - Growth Option

0 0 0 0 0 0 0 0

ICICI Prudential Tax Plan-Growth Option

0 0 0 0

0 2012 39 36 20000 28000 0 0 0 0 0 0 0 0 12000 0 0 0 01 2013 40 37 66000 90000 0 0 0 0 0 0 0 0 42000 0 0 0 02 2014 41 38 72000 96000 0 0 0 0 0 0 0 0 48000 0 0 0 03 2015 42 39 78000 102000 0 0 0 0 0 0 0 0 54000 0 0 0 04 2016 43 40 84000 108000 0 0 0 0 0 0 0 0 60000 0 0 0 05 2017 44 41 90000 114000 0 0 0 0 0 0 0 0 66000 0 0 0 06 2018 45 42 96000 120000 0 0 0 0 0 0 0 0 72000 0 0 0 07 2019 46 43 102000 126000 0 0 0 0 0 0 0 0 78000 0 0 0 08 2020 47 44 108000 132000 0 0 0 0 0 0 0 0 84000 0 0 0 09 2021 48 45 114000 138000 0 0 0 0 0 0 0 0 90000 0 0 0 0

10 2022 49 46 120000 144000 0 0 0 0 0 0 0 0 96000 0 0 0 011 2023 50 47 126000 150000 0 0 0 0 0 0 0 0 102000 0 0 0 012 2024 51 48 132000 156000 0 0 0 0 0 0 0 0 108000 0 0 0 013 2025 52 49 138000 162000 0 0 0 0 0 0 0 0 114000 0 0 0 014 2026 53 50 144000 168000 0 0 0 0 0 0 0 0 120000 0 0 0 015 2027 54 51 150000 174000 0 0 0 0 0 0 0 0 126000 0 0 0 016 2028 55 52 156000 180000 0 0 0 0 0 0 0 0 132000 0 0 0 017 2029 56 53 162000 186000 0 0 0 0 0 0 0 0 138000 0 0 0 018 2030 57 54 168000 192000 0 0 0 0 0 0 0 0 144000 0 0 0 019 2031 58 55 174000 198000 0 0 0 0 0 0 0 0 150000 0 0 0 020 2032 59 56 180000 204000 0 0 0 0 0 0 0 0 156000 0 0 0 021 2033 60 57 186000 210000 0 0 0 0 0 0 0 0 162000 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Investment through SIP - For Need other than Retirement Investment through SIP - For Retirement Need Only




0 2012 39 36 23205 0 23205 0 0 73862 73862 0 970671 2013 40 37 72910 0 72910 18750 44000 0 62750 0 1356602 2014 41 38 59160 0 59160 0 0 260000 260000 0 3191603 2015 42 39 48410 0 48410 0 155195 50000 205195 0 2536054 2016 43 40 38058 0 38058 0 0 854190 854190 0 8922475 2017 44 41 1708 0 1708 171225 0 48031 219256 0 2209646 2018 45 42 0 0 0 18750 0 0 18750 0 187507 2019 46 43 0 0 0 0 0 70000 70000 0 700008 2020 47 44 0 0 0 255000 0 0 255000 0 2550009 2021 48 45 0 0 0 0 227187 117171 344357 0 344357

10 2022 49 46 0 0 0 108500 0 0 108500 0 10850011 2023 50 47 0 0 0 89625 0 0 89625 0 8962512 2024 51 48 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 243125 0 0 243125 0 24312514 2026 53 50 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 108500 0 0 108500 0 10850016 2028 55 52 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 15916649 1591664923 2035 62 59 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0

Su

mm

ary

-In

com

e fr

om

In

vest

men

t &

Mat

uri

ty B

enef

it

Cas

h F

low

Mutual Fund Regular

Withdrawal (SWP)

Regular Income from


MF)


Investment Maturity


Account

Total Inflow throgh



Total Income / Maturity Proceeds Amount

from Unit Linked Plan

Total Amount of

Maturity Proceeds

from Postal Schemes /

Bonds - NCD / FDR




Account

Age :

Income from Investment


from Traditional

Plan

Total inflow through Interest /

Sys. Withdrawal

from Investment

Account




Regular Prem.-

Traditional Life

Insurance Plan -

Maturity

Single Prem.-Traditional

Life Insurance

Plan -Maturity

Reg. Premium Policy - Survival Benefit

Single Premium Policy - Survival Benefit

Regular Prem.-

Traditional Pension

Plan -Maturity

Single Prem.- Traditional

Pension Plan -

Maturity

Ulip-Regular Premium -Maturity

Ulip-Single Premium

ULPP-Regular

Premium

ULPP-Single Premium

0 2012 39 36 0 0 0 0 0 0 0 0 0 0 0 0 738621 2013 40 37 0 0 18750 0 0 0 18750 44000 0 0 0 44000 02 2014 41 38 0 0 0 0 0 0 0 0 0 0 0 0 2600003 2015 42 39 0 0 0 0 0 0 0 0 77597 0 77597 155195 500004 2016 43 40 0 0 0 0 0 0 0 0 0 0 0 0 8541905 2017 44 41 0 73975 0 0 0 97250 171225 0 0 0 0 0 480316 2018 45 42 0 0 18750 0 0 0 18750 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 700008 2020 47 44 255000 0 0 0 0 0 255000 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 0 227187 0 227187 117171

10 2022 49 46 108500 0 0 0 0 0 108500 0 0 0 0 0 011 2023 50 47 89625 0 0 0 0 0 89625 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 243125 0 243125 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 108500 0 0 0 0 0 108500 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0



Age : Regular Income / Maturity Proceeds - Traditional Life Insurance Plan

Traditional Pension Plan Maturity

Unit Linked Life Insurance / Pension Plan Maturity ProceedsTotal Income

/ Maturity Proceeds Amount

from Traditional

Plan




FDR






Income -Govt. / Pvt. Co. -Bond /

NCD

Income - Company

FDs


Deposit

Post Office Monthly Scheme



NCD

Income - Company

FDs

Postal - Time

Deposit

National Savings

Certificate

Kisan Vikas Patra

Growth -Govt. / Pvt. Co. -Bond /

NCD

Growth - Company

FDsBank_FDR

0 2012 39 36 7125 3375 7300 5405 73862 0 0 0 0 0 0 0 0 0 01 2013 40 37 28500 13500 20100 10810 0 0 0 0 0 0 0 0 0 0 02 2014 41 38 28500 13500 6350 10810 0 110000 0 150000 0 0 0 0 0 0 03 2015 42 39 20500 13500 3600 10810 0 0 50000 0 0 0 0 0 0 0 04 2016 43 40 20500 6750 2700 8108 36931 250000 100000 40000 100000 37699 0 0 89391 52145 1480245 2017 44 41 1708 0 0 0 0 0 0 0 0 0 48031 0 0 0 06 2018 45 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 70000 0 0 08 2020 47 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 0 0 117171 0 0 0 0

10 2022 49 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Age : Regular Income from Investment Maturity Proceeds of Investments - Post Office Schemes / Bonds / NCD / Company FDR / Bank FDR



Sr. No. Year Amar Patel Sangita Patel EPF EPS Gratuity Any Others EPF EPS Gratuity Any Others

0 2012 39 36 0 0 0 0 0 0 0 0 0 0 01 2013 40 37 0 0 0 0 0 0 0 0 0 0 02 2014 41 38 0 0 0 0 0 0 0 0 0 0 03 2015 42 39 0 0 0 0 0 0 0 0 0 0 04 2016 43 40 0 0 0 0 0 0 0 0 0 0 05 2017 44 41 0 0 0 0 0 0 0 0 0 0 06 2018 45 42 0 0 0 0 0 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 08 2020 47 44 0 0 0 0 0 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 0 0 0

10 2022 49 46 0 0 0 0 0 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 0 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 0 0 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 6074375 233611 904327 7212313 0 0 0 0 1139315 7565021 1591664923 2035 62 59 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0

Age : Maturity Proceeds of Retirement Fund - (Self) PPF Maturity ( Re -

invested if mature earlier)

Total Fund Available at Retirement

(From Regular Investments)

Total Retirement

Benefit (Self)

Maturity Proceeds of Retirement Fund - (Spouse)Total

Retirement Benefit

(Spouse)

Mutual Fund SIP ( Value

at Retirement)



2

12

220000

95000

9.50%

60 12% 5700 68400

Monthly Yearly Rise %wise OR Amt. wise Rise %wise OR Amt. wise

35000 420000 8% 0% 0% 0%

12500 150000 8% 0% 0% 0% 12.00% EPF EPF

47500 570000 3.67% 239 2863

EPS EPS

5000 60000 8% 0% 0% 0% 8.33% 541 6497

4000 48000 0% 0% 0% 0%

3000 36000 0% 0% 0% 0% 0 0 Yes

1000 12000 0% 0% 0% 0% 250 3000

1000 12000 0% 0% 0% 0% 5950 71400

100 1200 0% 0% 0% 0% 55650 667800

14100 169200 2033 6074375 Monthly Yearly

61600 739200 2033 904327 62130 745560

Income from Salary - Working Sheet

Total Value of EPF at Retirement

Total Value of Gratuity at Retirement

Current Balance of EPF Account

Bonus

HRA

Conveyance

Child Education

Current Salary Structure

Basic Salary

DA

Basic+ DA - Salary

Other Allowances

Uniform

Total Allowances

Medical

Total Salary

EPF Limit Applicable on Current Salary?

Yes

6500

Effective Salary (with EPF / EPS)

ESIC

Professional Tax

Yearly EPF Contribution Amount Rs.

Other Deductions

Contribution Amt. - Yearly Rs.

Contribution Amt. - Monthly

Rs.

Current Balance of EPS Account Salary Increase Yearly :

OR Increase from

Current Interest Rate on EPF

Salary & EPF Calculation Sheet for : Amar Patel

OR

Year gap

No. of years in Services -Completed

Retirement Age :

> Select > Option : 1 OR

Every Applicable Monthly Salary for EPF

Deduction -if Yes - 6500 is Limit

EPF Deduction Rate (%)

EPF Limit Applicable on Current Salary?

No

47500

Self Contribution

<< Select << Option : 2

3

Total Deductions

Net Salary ( in Cash )

Monthly EPF Contribution Amount Rs.

Employer ContributionApplicable Monthly Salary for EPF

Deduction -if Yes - 6500 is Limit

EPF Dedu. Rate (%)



Sr. No. Age Year Basic Salary DA Total

Basic Salary Bonus HRA Conveyance Child Education Medical Uniform Grand Total

(Salary)

EPF Contribution

(Self)ESIC Professional

TaxTotal

Deduction Net Salary

1 39 2012 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678002 40 2013 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678003 41 2014 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678004 42 2015 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678005 43 2016 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678006 44 2017 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678007 45 2018 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678008 46 2019 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678009 47 2020 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800

10 48 2021 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780011 49 2022 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780012 50 2023 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780013 51 2024 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780014 52 2025 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780015 53 2026 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780016 54 2027 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780017 55 2028 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780018 56 2029 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780019 57 2030 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780020 58 2031 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780021 59 2032 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780022 60 2033 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Amar Patel

Income from Salary - Working SheetOther Allowances ( if in other head -rename it) Other Deductions



30/09/2012

Age Opening Balance Rs.

Total AmtEPF Rs.

Interest Amt. Rs.

Closing Balance Rs. Gratuity Opening

Balance Rs.

EPSContribution( Employer )

Closing Balance Rs. Net Salary Total EPF Total EPS Effective

Salary Net Salary Applicable Income Tax

Salary After Tax

39 220000 23754 20900 264654 0 95000 2166 97166 222600 23754 2166 248520 222600 15714 20688640 264654 71263 25142 361059 0 97166 6497 103663 667800 71263 6497 745560 667800 44774 62302641 361059 71263 34301 466622 0 103663 6497 110161 667800 71263 6497 745560 667800 45310 62249042 466622 71263 44329 582214 0 110161 6497 116658 667800 71263 6497 745560 667800 44239 62356243 582214 71263 55310 708787 0 116658 6497 123155 667800 71263 6497 745560 667800 44311 62348944 708787 71263 67335 847384 0 123155 6497 129653 667800 71263 6497 745560 667800 42045 62575545 847384 71263 80501 999148 0 129653 6497 136150 667800 71263 6497 745560 667800 42395 62540546 999148 71263 94919 1165330 0 136150 6497 142648 667800 71263 6497 745560 667800 42395 62540547 1165330 71263 110706 1347299 0 142648 6497 149145 667800 71263 6497 745560 667800 42395 62540548 1347299 71263 127993 1546555 0 149145 6497 155642 667800 71263 6497 745560 667800 39305 62849549 1546555 71263 146923 1764740 0 155642 6497 162140 667800 71263 6497 745560 667800 4202 66359850 1764740 71263 167650 2003653 0 162140 6497 168637 667800 71263 6497 745560 667800 4202 66359851 2003653 71263 190347 2265263 0 168637 6497 175135 667800 71263 6497 745560 667800 4202 66359852 2265263 71263 215200 2551725 0 175135 6497 181632 667800 71263 6497 745560 667800 4202 66359853 2551725 71263 242414 2865402 0 181632 6497 188129 667800 71263 6497 745560 667800 4202 66359854 2865402 71263 272213 3208877 0 188129 6497 194627 667800 71263 6497 745560 667800 4202 66359855 3208877 71263 304843 3584983 0 194627 6497 201124 667800 71263 6497 745560 667800 4202 66359856 3584983 71263 340573 3996819 0 201124 6497 207622 667800 71263 6497 745560 667800 4202 66359857 3996819 71263 379698 4447780 0 207622 6497 214119 667800 71263 6497 745560 667800 4202 66359858 4447780 71263 422539 4941582 0 214119 6497 220616 667800 71263 6497 745560 667800 4202 66359859 4941582 71263 469450 5482294 0 220616 6497 227114 667800 71263 6497 745560 667800 4202 66359860 5482294 71263 520818 6074375 904327 227114 6497 233611 667800 71263 6497 745560 667800 4202 6635980 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

EPF

& E

PS -

Cas

h Fl

ow -

Toda

y O

nwar

ds

Net Cash IncomeSample Financial Plan Report in Excel 30/09/2012


No Yes Yes Yes 3%

Sr. No. Age Year

Grand Total

(Salary)

Professional Tax

Less : Exemption U/s. 10 & 17

Taxable Salary

Taxable Income - House

Properties

Other Income

Other Income

Other Income

Interest on Loan

/Advances

Income from Other

Sources

Total Taxable Income

Under Chapter

VI -A

Under Chapter VI - Sec.-80 C

Net Taxable Income

Applicable Income

TaxEdu. Cess

Total Income

Tax

Income Tax Ratio

1 39 2012 739200 3000 80400 655800 -14090 0 0 0 15000 37139 693849 15000 100000 578849 45770 1373 47143 8.14%2 40 2013 739200 3000 80400 655800 -12034 0 0 0 15000 23588 682353 15000 100000 567353 43470 1304 44774 7.89%3 41 2014 739200 3000 80400 655800 -9786 0 0 0 15000 23920 684934 15000 100000 569934 43990 1320 45310 7.95%4 42 2015 739200 3000 80400 655800 -7327 0 0 0 15000 16276 679749 15000 100000 564749 42950 1289 44239 7.83%5 43 2016 739200 3000 80400 655800 -4637 0 0 0 15000 13954 680117 15000 100000 565117 43020 1291 44311 7.84%6 44 2017 739200 3000 80400 655800 -1695 0 0 0 15000 0 669105 15000 100000 554105 40820 1225 42045 7.59%7 45 2018 739200 3000 80400 655800 0 0 0 0 15000 0 670800 15000 100000 555800 41160 1235 42395 7.63%8 46 2019 739200 3000 80400 655800 0 0 0 0 15000 0 670800 15000 100000 555800 41160 1235 42395 7.63%9 47 2020 739200 3000 80400 655800 0 0 0 0 15000 0 670800 15000 100000 555800 41160 1235 42395 7.63%

10 48 2021 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 38160 1145 39305 7.27%11 49 2022 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%12 50 2023 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%13 51 2024 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%14 52 2025 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%15 53 2026 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%16 54 2027 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%17 55 2028 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%18 56 2029 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%19 57 2030 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%20 58 2031 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%21 59 2032 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%22 60 2033 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%23 61 2034 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%24 62 2035 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%25 63 2036 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%26 64 2037 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%27 65 2038 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%28 66 2039 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%29 67 2040 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%30 68 2041 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%31 69 2042 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%32 70 2043 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%33 71 2044 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%34 72 2045 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%35 73 2046 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%36 74 2047 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%37 75 2048 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%38 76 2049 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%39 77 2050 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%40 78 2051 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%

Your another Taxable Income?Deductions:

Income Tax - Calculation & Projection SheetFor : Amar Patel



Limit Limit Limit Limit Limit Limit Limit LimitRent Paid Per Month For 2 Child Annual

120000 800 400 15000Metro 9600 9600 Deduction 100% 100%

50% 100% 30% Yes Yes

Sr. No. Age Year HRA Conveyan

ceChild

Education Medical Uniform LTA S/B A/c. Interest

U/s. 10 (10)

House Rent

Income

Less : Municipal

Tax

Net Annual Value

Standard Deduction

Taxable Income

Loan for Self

Residence

Loan for Additional

Home1 39 2012 48000 9600 9600 12000 1200 80400 0 0 0 0 14090 0 -140902 40 2013 48000 9600 9600 12000 1200 80400 0 0 0 0 12034 0 -120343 41 2014 48000 9600 9600 12000 1200 80400 0 0 0 0 9786 0 -97864 42 2015 48000 9600 9600 12000 1200 80400 0 0 0 0 7327 0 -73275 43 2016 48000 9600 9600 12000 1200 80400 0 0 0 0 4637 0 -46376 44 2017 48000 9600 9600 12000 1200 80400 0 0 0 0 1695 0 -16957 45 2018 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 08 46 2019 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 09 47 2020 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0

10 48 2021 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 011 49 2022 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 012 50 2023 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 013 51 2024 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 014 52 2025 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 015 53 2026 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 016 54 2027 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 017 55 2028 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 018 56 2029 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 019 57 2030 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 020 58 2031 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 021 59 2032 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 022 60 2033 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 023 61 2034 0 0 0 0 0 0 0 0 0 0 0 0 024 62 2035 0 0 0 0 0 0 0 0 0 0 0 0 025 63 2036 0 0 0 0 0 0 0 0 0 0 0 0 026 64 2037 0 0 0 0 0 0 0 0 0 0 0 0 027 65 2038 0 0 0 0 0 0 0 0 0 0 0 0 028 66 2039 0 0 0 0 0 0 0 0 0 0 0 0 029 67 2040 0 0 0 0 0 0 0 0 0 0 0 0 030 68 2041 0 0 0 0 0 0 0 0 0 0 0 0 031 69 2042 0 0 0 0 0 0 0 0 0 0 0 0 032 70 2043 0 0 0 0 0 0 0 0 0 0 0 0 033 71 2044 0 0 0 0 0 0 0 0 0 0 0 0 034 72 2045 0 0 0 0 0 0 0 0 0 0 0 0 035 73 2046 0 0 0 0 0 0 0 0 0 0 0 0 036 74 2047 0 0 0 0 0 0 0 0 0 0 0 0 037 75 2048 0 0 0 0 0 0 0 0 0 0 0 0 038 76 2049 0 0 0 0 0 0 0 0 0 0 0 0 039 77 2050 0 0 0 0 0 0 0 0 0 0 0 0 040 78 2051 0 0 0 0 0 0 0 0 0 0 0 0 0

Annexure -1 - Income Tax Calculation sheetExemption Under Section -10 & 17 ( Applicable only for Salary Income)

Total Exemption

Amount Rs.

Income from House Properties

Interest on LoanNet Income

from House

Properties



Self Home Addi. HomeShare (%) Share (%)

100% 100%

Sr. No. Age Year

EPF Contributi

on

PPF Contributi

on

Life Insurance Premium

Pension Plan ( LI)

Life Ins. (Term Plan Premium) MF ELSS NSC NPS RGESS

Child Education

Fees

Long Term Bank FDR Others Others Total

Amount Rs.Limit U/s.

-80 C

Applicable Exemption U/s. 80C

1 39 2012 68400 12000 12873 16450 0 21910 0 36000 167633 100000 1000002 40 2013 68400 12000 12873 16450 0 23966 0 42000 175689 100000 1000003 41 2014 68400 12000 12873 16450 0 26214 0 48000 183937 100000 1000004 42 2015 68400 12000 12873 16450 0 28673 0 54000 192396 100000 1000005 43 2016 68400 12000 12873 16450 0 31363 0 60000 201086 100000 1000006 44 2017 68400 12000 12873 16450 0 34305 0 66000 210028 100000 1000007 45 2018 68400 12000 12873 16450 0 0 0 72000 181723 100000 1000008 46 2019 68400 12000 12873 16450 0 0 0 78000 187723 100000 1000009 47 2020 68400 11000 7767 16450 0 0 0 84000 187617 100000 100000

10 48 2021 68400 0 7767 6450 0 0 0 90000 172617 100000 10000011 49 2022 68400 0 7767 6450 0 0 0 96000 178617 100000 10000012 50 2023 68400 0 2077 6450 0 0 0 102000 178927 100000 10000013 51 2024 68400 0 2077 6450 0 0 0 108000 184927 100000 10000014 52 2025 68400 0 2077 0 0 0 0 114000 184477 100000 10000015 53 2026 68400 0 2077 0 0 0 0 120000 190477 100000 10000016 54 2027 68400 0 0 0 0 0 0 126000 194400 100000 10000017 55 2028 68400 0 0 0 0 0 0 132000 200400 100000 10000018 56 2029 68400 0 0 0 0 0 0 138000 206400 100000 10000019 57 2030 68400 0 0 0 0 0 0 144000 212400 100000 10000020 58 2031 68400 0 0 0 0 0 0 150000 218400 100000 10000021 59 2032 68400 0 0 0 0 0 0 156000 224400 100000 10000022 60 2033 68400 0 0 0 0 0 0 162000 230400 100000 10000023 61 2034 0 0 0 0 0 0 0 0 0 100000 024 62 2035 0 0 0 0 0 0 0 0 0 100000 025 63 2036 0 0 0 0 0 0 0 0 0 100000 026 64 2037 0 0 0 0 0 0 0 0 0 100000 027 65 2038 0 0 0 0 0 0 0 0 0 100000 028 66 2039 0 0 0 0 0 0 0 0 0 100000 029 67 2040 0 0 0 0 0 0 0 0 0 100000 030 68 2041 0 0 0 0 0 0 0 0 0 100000 031 69 2042 0 0 0 0 0 0 0 0 0 100000 032 70 2043 0 0 0 0 0 0 0 0 0 100000 033 71 2044 0 0 0 0 0 0 0 0 0 100000 034 72 2045 0 0 0 0 0 0 0 0 0 100000 035 73 2046 0 0 0 0 0 0 0 0 0 100000 036 74 2047 0 0 0 0 0 0 0 0 0 100000 037 75 2048 0 0 0 0 0 0 0 0 0 100000 038 76 2049 0 0 0 0 0 0 0 0 0 100000 039 77 2050 0 0 0 0 0 0 0 0 0 100000 040 78 2051 0 0 0 0 0 0 0 0 0 100000 0

Housing Loan Principal Repayment

Exemption Under Section -80 CUnder Chapter - VI

Annexure -2 - Income Tax Calculation sheet



Sr. No. Age Year

Health Insurance

( 80 D)

Health Ins. For

Parents( 80 D)

Medical for Handicapped Dependants

( 80 DD)

Medical for

Specified Disease

( 80 DDB)

Deduction for

Permanent Disability

( 80 U)

Interest on Higher

Education Loan

Donation ( 80 G )

Rent -( 80GG)

if HRA not Recd.

Others Others Total Deduction Year Amar Patel Kevin Sandhya

Total Income

from other sources

1 39 2012 15000 15000 2012 34569 0 2570 0 371392 40 2013 15000 15000 2013 20841 0 2746 0 235883 41 2014 15000 15000 2014 20985 0 2935 0 239204 42 2015 15000 15000 2015 13139 0 3137 0 162765 43 2016 15000 15000 2016 10602 0 3352 0 139546 44 2017 15000 15000 2017 0 0 0 0 07 45 2018 15000 15000 2018 0 0 0 0 08 46 2019 15000 15000 2019 0 0 0 0 09 47 2020 15000 15000 2020 0 0 0 0 0

10 48 2021 15000 15000 2021 0 0 0 0 011 49 2022 15000 15000 2022 0 0 0 0 012 50 2023 15000 15000 2023 0 0 0 0 013 51 2024 15000 15000 2024 0 0 0 0 014 52 2025 15000 15000 2025 0 0 0 0 015 53 2026 15000 15000 2026 0 0 0 0 016 54 2027 15000 15000 2027 0 0 0 0 017 55 2028 15000 15000 2028 0 0 0 0 018 56 2029 15000 15000 2029 0 0 0 0 019 57 2030 15000 15000 2030 0 0 0 0 020 58 2031 15000 15000 2031 0 0 0 0 021 59 2032 15000 15000 2032 0 0 0 0 022 60 2033 15000 15000 2033 0 0 0 0 023 61 2034 0 2034 0 0 0 0 024 62 2035 0 2035 0 0 0 0 025 63 2036 0 2036 0 0 0 0 026 64 2037 0 2037 0 0 0 0 027 65 2038 0 2038 0 0 0 0 028 66 2039 0 2039 0 0 0 0 029 67 2040 0 2040 0 0 0 0 030 68 2041 0 2041 0 0 0 0 031 69 2042 0 2042 0 0 0 0 032 70 2043 0 2043 0 0 0 0 033 71 2044 0 2044 0 0 0 0 034 72 2045 0 2045 0 0 0 0 035 73 2046 0 2046 0 0 0 0 036 74 2047 0 2047 0 0 0 0 037 75 2048 0 2048 0 0 0 0 038 76 2049 0 2049 0 0 0 0 039 77 2050 0 2050 0 0 0 0 040 78 2051 0 2051 0 0 0 0 0

Under Chapter - VI-A -Exemption Under Section -80 D & Others

Annexure -3 - Income Tax Calculation sheetIncome from other sources

( Interest - Regular & Provisional)Select - Other members from following to clubbing income (if any)



No No No No 3%

Sr. No. Age Year Self

Income Total Income

Taxable Income - House

Properties

Other Income

Other Income

Other Income

Interest on Loan

/Advances

Income from Other

Sources

Total Taxable Income

Under Chapter

VI -A

Under Chapter VI - Sec.-80 C

Net Taxable Income

Applicable Income

TaxEdu. Cess

Total Income

Tax

Income Tax Ratio

1 36 2012 180000 0 0 180000 0 0 0 0 0 22732 202732 0 18668 184064 0 0 0 0.00%2 37 2013 198000 0 0 198000 0 0 0 0 0 22887 220887 0 18668 202219 220 7 227 0.11%3 38 2014 217800 0 0 217800 0 0 0 0 0 23053 240853 0 18668 222185 2220 67 2287 1.03%4 39 2015 239580 0 0 239580 0 0 0 0 0 23230 262810 0 18668 244142 4410 132 4542 1.86%5 40 2016 263538 0 0 263538 0 0 0 0 0 23420 286958 0 16668 270290 7030 211 7241 2.68%6 41 2017 289892 0 0 289892 0 0 0 0 0 4832 294723 0 6668 288055 8810 264 9074 3.15%7 42 2018 318881 0 0 318881 0 0 0 0 0 0 318881 0 6668 312213 11220 337 11557 3.70%8 43 2019 350769 0 0 350769 0 0 0 0 0 0 350769 0 6668 344101 14410 432 14842 4.31%9 44 2020 385846 0 0 385846 0 0 0 0 0 0 385846 0 2118 383728 18370 551 18921 4.93%

10 45 2021 424431 0 0 424431 0 0 0 0 0 0 424431 0 2118 422313 22230 667 22897 5.42%11 46 2022 466874 0 0 466874 0 0 0 0 0 0 466874 0 0 466874 0 0 0 0.00%12 47 2023 513561 0 0 513561 0 0 0 0 0 0 513561 0 0 513561 1360 41 1401 0.27%13 48 2024 564917 0 0 564917 0 0 0 0 0 0 564917 0 0 564917 6490 195 6685 1.18%14 49 2025 621409 0 0 621409 0 0 0 0 0 0 621409 0 0 621409 12140 364 12504 2.01%15 50 2026 683550 0 0 683550 0 0 0 0 0 0 683550 0 0 683550 18350 551 18901 2.77%16 51 2027 751905 0 0 751905 0 0 0 0 0 0 751905 0 0 751905 25190 756 25946 3.45%17 52 2028 827095 0 0 827095 0 0 0 0 0 0 827095 0 0 827095 32710 981 33691 4.07%18 53 2029 909805 0 0 909805 0 0 0 0 0 0 909805 0 0 909805 40980 1229 42209 4.64%19 54 2030 1000785 0 0 1000785 0 0 0 0 0 0 1000785 0 0 1000785 50160 1505 51665 5.16%20 55 2031 1100864 0 0 1100864 0 0 0 0 0 0 1100864 0 0 1100864 70170 2105 72275 6.57%21 56 2032 1210950 0 0 1210950 0 0 0 0 0 0 1210950 0 0 1210950 92190 2766 94956 7.84%22 57 2033 1332045 0 0 1332045 0 0 0 0 0 0 1332045 0 0 1332045 116410 3492 119902 9.00%23 58 2034 1465249 0 0 1465249 0 0 0 0 0 0 1465249 0 0 1465249 143050 4292 147342 10.06%24 59 2035 1611774 0 0 1611774 0 0 0 0 0 0 1611774 0 0 1611774 172350 5171 177521 11.01%25 60 2036 1772952 0 0 1772952 0 0 0 0 0 0 1772952 0 0 1772952 204590 6138 210728 11.89%26 0 2037 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%27 0 2038 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%28 0 2039 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%29 0 2040 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%30 0 2041 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%31 0 2042 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%32 0 2043 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%33 0 2044 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%34 0 2045 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%35 0 2046 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%36 0 2047 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%37 0 2048 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%38 0 2049 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%39 0 2050 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%40 0 2051 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%

Income Tax - Calculation & Projection SheetFor : Sangita Patel Your another Taxable Income?

Deductions: Transfer to Expenses



Limit Limit Limit Limit Limit Limit Limit LimitRent Paid Per Month For 2 Child Annual

120000 800 400 15000Metro 9600 9600 Deduction 0% 0%

50% 0% 30% No No

Sr. No. Age Year HRA Conveyan

ceChild

Education Medical Uniform LTA S/B A/c. Interest

U/s. 10 (10)

House Rent

Income

Less : Municipal

Tax

Net Annual Value

Standard Deduction

Taxable Income

Loan for Self

Residence

Loan for Additional

Home1 36 2012 0 0 0 0 0 0 0 0 0 0 0 0 02 37 2013 0 0 0 0 0 0 0 0 0 0 0 0 03 38 2014 0 0 0 0 0 0 0 0 0 0 0 0 04 39 2015 0 0 0 0 0 0 0 0 0 0 0 0 05 40 2016 0 0 0 0 0 0 0 0 0 0 0 0 06 41 2017 0 0 0 0 0 0 0 0 0 0 0 0 07 42 2018 0 0 0 0 0 0 0 0 0 0 0 0 08 43 2019 0 0 0 0 0 0 0 0 0 0 0 0 09 44 2020 0 0 0 0 0 0 0 0 0 0 0 0 0

10 45 2021 0 0 0 0 0 0 0 0 0 0 0 0 011 46 2022 0 0 0 0 0 0 0 0 0 0 0 0 012 47 2023 0 0 0 0 0 0 0 0 0 0 0 0 013 48 2024 0 0 0 0 0 0 0 0 0 0 0 0 014 49 2025 0 0 0 0 0 0 0 0 0 0 0 0 015 50 2026 0 0 0 0 0 0 0 0 0 0 0 0 016 51 2027 0 0 0 0 0 0 0 0 0 0 0 0 017 52 2028 0 0 0 0 0 0 0 0 0 0 0 0 018 53 2029 0 0 0 0 0 0 0 0 0 0 0 0 019 54 2030 0 0 0 0 0 0 0 0 0 0 0 0 020 55 2031 0 0 0 0 0 0 0 0 0 0 0 0 021 56 2032 0 0 0 0 0 0 0 0 0 0 0 0 022 57 2033 0 0 0 0 0 0 0 0 0 0 0 0 023 58 2034 0 0 0 0 0 0 0 0 0 0 0 0 024 59 2035 0 0 0 0 0 0 0 0 0 0 0 0 025 60 2036 0 0 0 0 0 0 0 0 0 0 0 0 026 0 2037 0 0 0 0 0 0 0 0 0 0 0 0 027 0 2038 0 0 0 0 0 0 0 0 0 0 0 0 028 0 2039 0 0 0 0 0 0 0 0 0 0 0 0 029 0 2040 0 0 0 0 0 0 0 0 0 0 0 0 030 0 2041 0 0 0 0 0 0 0 0 0 0 0 0 031 0 2042 0 0 0 0 0 0 0 0 0 0 0 0 032 0 2043 0 0 0 0 0 0 0 0 0 0 0 0 033 0 2044 0 0 0 0 0 0 0 0 0 0 0 0 034 0 2045 0 0 0 0 0 0 0 0 0 0 0 0 035 0 2046 0 0 0 0 0 0 0 0 0 0 0 0 036 0 2047 0 0 0 0 0 0 0 0 0 0 0 0 037 0 2048 0 0 0 0 0 0 0 0 0 0 0 0 038 0 2049 0 0 0 0 0 0 0 0 0 0 0 0 039 0 2050 0 0 0 0 0 0 0 0 0 0 0 0 040 0 2051 0 0 0 0 0 0 0 0 0 0 0 0 0

Annexure -1 - Income Tax Calculation sheetExemption Under Section -10 & 17 ( Applicable only for Salary Income) Income from House Properties

Net Income from

House Properties

Total Exemption

Amount Rs.

Interest on Loan



Self Home Addi. HomeShare (%) Share (%)

0% 0%

Sr. No. Age Year

EPF Contributi

on

PPF Contributi

on

Life Insurance Premium

Pension Plan ( LI)

Life Ins. (Term Plan Premium) MF ELSS NSC NPS RGESS

Child Education

Fees

Long Term Bank FDR Others Others Total

Amount Rs.Limit U/s.

-80 C

Applicable Exemption U/s. 80C

1 36 2012 0 12000 4550 2118 0 0 0 0 18668 100000 186682 37 2013 0 12000 4550 2118 0 0 0 0 18668 100000 186683 38 2014 0 12000 4550 2118 0 0 0 0 18668 100000 186684 39 2015 0 12000 4550 2118 0 0 0 0 18668 100000 186685 40 2016 0 10000 4550 2118 0 0 0 0 16668 100000 166686 41 2017 0 0 4550 2118 0 0 0 0 6668 100000 66687 42 2018 0 0 4550 2118 0 0 0 0 6668 100000 66688 43 2019 0 0 4550 2118 0 0 0 0 6668 100000 66689 44 2020 0 0 0 2118 0 0 0 0 2118 100000 2118

10 45 2021 0 0 0 2118 0 0 0 0 2118 100000 211811 46 2022 0 0 0 0 0 0 0 0 0 100000 012 47 2023 0 0 0 0 0 0 0 0 0 100000 013 48 2024 0 0 0 0 0 0 0 0 0 100000 014 49 2025 0 0 0 0 0 0 0 0 0 100000 015 50 2026 0 0 0 0 0 0 0 0 0 100000 016 51 2027 0 0 0 0 0 0 0 0 0 100000 017 52 2028 0 0 0 0 0 0 0 0 0 100000 018 53 2029 0 0 0 0 0 0 0 0 0 100000 019 54 2030 0 0 0 0 0 0 0 0 0 100000 020 55 2031 0 0 0 0 0 0 0 0 0 100000 021 56 2032 0 0 0 0 0 0 0 0 0 100000 022 57 2033 0 0 0 0 0 0 0 0 0 100000 023 58 2034 0 0 0 0 0 0 0 0 0 100000 024 59 2035 0 0 0 0 0 0 0 0 0 100000 025 60 2036 0 0 0 0 0 0 0 0 0 100000 026 0 2037 0 0 0 0 0 0 0 0 0 100000 027 0 2038 0 0 0 0 0 0 0 0 0 100000 028 0 2039 0 0 0 0 0 0 0 0 0 100000 029 0 2040 0 0 0 0 0 0 0 0 0 100000 030 0 2041 0 0 0 0 0 0 0 0 0 100000 031 0 2042 0 0 0 0 0 0 0 0 0 100000 032 0 2043 0 0 0 0 0 0 0 0 0 100000 033 0 2044 0 0 0 0 0 0 0 0 0 100000 034 0 2045 0 0 0 0 0 0 0 0 0 100000 035 0 2046 0 0 0 0 0 0 0 0 0 100000 036 0 2047 0 0 0 0 0 0 0 0 0 100000 037 0 2048 0 0 0 0 0 0 0 0 0 100000 038 0 2049 0 0 0 0 0 0 0 0 0 100000 039 0 2050 0 0 0 0 0 0 0 0 0 100000 040 0 2051 0 0 0 0 0 0 0 0 0 100000 0


Under Chapter - VI Exemption Under Section -80 C

Housing Loan Principal Repayment



Sr. No. Age Year

Health Insurance

( 80 D)

Health Ins. For

Parents( 80 D)

Medical for Handicapped Dependants

( 80 DD)

Medical for

Specified Disease

( 80 DDB)

Deduction for

Permanenet Disability

( 80 U)

Interest on Higher

Education Loan

Donation ( 80 G )

Rent -( 80GG)

if HRA not Recd.

Others Others Total Deduction Year Sangita

Patel

Total Income

from other sources

1 36 2012 0 2012 22732 0 0 0 227322 37 2013 0 2013 22887 0 0 0 228873 38 2014 0 2014 23053 0 0 0 230534 39 2015 0 2015 23230 0 0 0 232305 40 2016 0 2016 23420 0 0 0 234206 41 2017 0 2017 4832 0 0 0 48327 42 2018 0 2018 0 0 0 0 08 43 2019 0 2019 0 0 0 0 09 44 2020 0 2020 0 0 0 0 0

10 45 2021 0 2021 0 0 0 0 011 46 2022 0 2022 0 0 0 0 012 47 2023 0 2023 0 0 0 0 013 48 2024 0 2024 0 0 0 0 014 49 2025 0 2025 0 0 0 0 015 50 2026 0 2026 0 0 0 0 016 51 2027 0 2027 0 0 0 0 017 52 2028 0 2028 0 0 0 0 018 53 2029 0 2029 0 0 0 0 019 54 2030 0 2030 0 0 0 0 020 55 2031 0 2031 0 0 0 0 021 56 2032 0 2032 0 0 0 0 022 57 2033 0 2033 0 0 0 0 023 58 2034 0 2034 0 0 0 0 024 59 2035 0 2035 0 0 0 0 025 60 2036 0 2036 0 0 0 0 026 0 2037 0 2037 0 0 0 0 027 0 2038 0 2038 0 0 0 0 028 0 2039 0 2039 0 0 0 0 029 0 2040 0 2040 0 0 0 0 030 0 2041 0 2041 0 0 0 0 031 0 2042 0 2042 0 0 0 0 032 0 2043 0 2043 0 0 0 0 033 0 2044 0 2044 0 0 0 0 034 0 2045 0 2045 0 0 0 0 035 0 2046 0 2046 0 0 0 0 036 0 2047 0 2047 0 0 0 0 037 0 2048 0 2048 0 0 0 0 038 0 2049 0 2049 0 0 0 0 039 0 2050 0 2050 0 0 0 0 040 0 2051 0 2051 0 0 0 0 0

Under Chapter - VI-A -Exemption Under Section -80 D & OthersIncome from other sources

( Interest - Regular & Provisional)Select - Other members from following to clubbing income (if any)




Current Value 379258 6%485400 162539 8%132000 0 8%257991 66960 18%875391 1240000 15%

For Months 0 15%0 15%

90000 15%200000 13%

0 10%148573 9%

0 8%2287330 12.47%

0 - to - 3 8% 690370 30% 11.51%4 - to - 7 9% 1190000 52% 11.82%

406960 18% 12.00%Total : 2287330 100.00% 11.51%Note :

Age : 60Year : 2033Age : 80Year : 2053

Select : #N/A

Plan

ner'

s Not

e

Investment Priorities Retirement : Post Retirement Rate of Return (%)

Post Tax Rate of Return (%) If retirement period is fall in Short / Medium Term

Period, Long Term Return Rate is automatically replaced by Post Retirement Rate of Return. Please

check first, how much year left to retirement.

Preserve Capital Some ExtentLife Expectacy : 9%

Regular Income Not PriorityTimely Goal Achievement Very ImportantOptimum Return Fairly Important Retirement Cash Flow - With Accumulation & Consumption.Growth Over Time Very ImportantMaximum Growth Some Extent


upto Retirement.:22

Short Term Need Short to Medium Term Liquidity Not Concern Medium Term Need Medium to Long TermGenerating Income Not Concern Long Term Need

10%Long Term Funds

Ease of Management Extremely Concern 8 - Year onwards

Safety/ Security Slightly Concern

Total Amount & Weighted Avg. Return

Financial Concerns Future Need - Period breakup with required Rate of Return Post Tax Rate of Return - AssumptionNon Maturity based Investment Portfolio

( i. e. Direct Equity + Mutual Fund)

Existing Portfolio

Portfolio Weightage

Expected Wighted Average

Return (%)

Inflation Extremely ConcernFor - Pre - Retirement Period : Period (Years) : Post Tax -

Return SelectTax Relief/advantage Slightly Concern

Equity - DiversifiedAdvice to kept emergency fund in Cash or Equivalent

for the Month Nos. >>>>291797

Equity - Diversified -ELSS

4 Equity - Sectoral


Equity - Thematic & OthersHybrid Fund - Balanced

Also required fund in Cash & Equivalent for Current Year Requirements ( If any)

Total Amount to be required in Current Year ( i.e. in Year ) 250000

Hybrid Fund - Asset Allocation/OthersHybrid Fund - MIPGold Funds / ETF

Goal Mapping & Funding - with Future Need & Investment Cash Flow - Calculation

Calculation of Required Emergency Fund.

Risk

Ana

lysi

s

Finding from Your Risk Analysis Non Maturity based Investment Portfolio ( i. e. Direct Equity + Mutual Fund)

Existing Portfolio

Expected Return (%)Result of Risk Analysis

Emergency Fund - Should be kept in form of Cash

& Equivalent

Particulars Risk Capacity HighCash / S.B. A/c. / Bank FDR <1 Year

Regular Expenses Debt -LiquidLoan EMI Amount Risk Behaviour Balanced - (Medium Risk)

Debt -Short Term, Income & G. Sec.Regular Investment Commitment Direct EquityTotal Yearly Outflow Amount Rs.


With Proposed Investment Portfolio



Age at Goal Start

Present Cost of Goal OR Target Goal

Amount

Inflation Effect -

Present Goal Amount will rise @%wise OR Amt.wise

Period ( Years)

available for Regular

Investments

Fund to be required in Period OR

Year


Goal Priority

Wants to include OR Calculate your

Goal Amt. with Current Cash

Flow?

If Goal Selection is "Yes", Goal

Funding from Assets Liquidation

/ Future Loan?

Future Goal -Amount to be required Rs.

Goal Funding Amt. from

Assets Liquidation /

Future Loans - Rs.

Goal Funding Amount through

Financial Investment

A/c.

Total Possible Goal

Achievement Amt. Rs.



%wise


Child Age % OR/ Amt,wise

0 0 0 High Yes N.A. 0 0 0 0 0 0% 0%

12 50000 10.00% 1 2013 - To - 2015 3 High Yes N.A. 182050 0 182050 182050 0 100% 0%

15 100000 10.00% 4 2016 - To - 2019 4 High Yes N.A. 679489 0 679489 679489 0 100% 0%

19 100000 10.00% 8 2020 - To - 2022 3 Optional Yes N.A. 709528 0 709528 709528 0 100% 0%

22 500000 10.00% 11 2023 - To - 2025 3 High Yes N.A. 4721908 0 4721908 4721908 0 100% 0%

28 1500000 5.00% 17 2029 1 High Yes Yes 3438027 1719014 1719014 3438027 0 100% 0%

30 300000 6.00% 19 2031 1 High Yes Yes 907680 363072 544608 907680 0 100% 0%

Child Age 10638682 2082086 8556597 10638682 0 100% 0%

0 0 0 High Yes N.A. 0 0 0 0 0 0% 0%

7 50000 6.00% 1 2013 - To - 2020 8 High Yes N.A. 524566 0 524566 524566 0 100% 0%

15 100000 6.00% 9 2021 - To - 2024 4 High Yes N.A. 739082 0 739082 739082 0 100% 0%

19 100000 10.00% 13 2025 - To - 2027 3 High Yes N.A. 1142702 0 1142702 1142702 0 100% 0%

22 500000 10.00% 16 2028 - To - 2030 3 High Yes N.A. 7604680 0 4854718 4854718 2749963 64% 36%

26 500000 6.00% 20 2032 1 High Yes Yes 1603568 801784 801784 1603568 0 100% 0%

0 0 0 High Yes N.A. 0 0 0 0 0 0% 0%

Your Age 11614598 801784 8062851 8864635 2749963 76% 24%

47 3500000 6.00% 8 2020 1 High Yes Yes 5578468 2789234 2789234 5578468 0 100% 0%

42 800000 6.00% 3 2015 1 Medium Yes Yes 952813 476406 476406 952813 0 100% 0%

45 70000 6.00% 6 2018 1 Medium Yes Yes 99296 0 99296 99296 0 100% 0%

48 55000 6.00% 9 2021 1 Medium Yes Yes 92921 0 92921 92921 0 100% 0%

44 80000 5.00% 5 2017 1 Medium Yes Yes 102103 0 102103 102103 0 100% 0%

56 250000 10000 17 2029 1 Optional Yes Yes 420000 0 420000 420000 0 100% 0%

Your Age 7245601 3265641 3979961 7245601 0 100% 0%

60 7224450 0 21 2033 1 High Yes 71115515 0 39555542 39555542 31559973 56% 44%

60 500000 6.00% 21 2033 1 High Yes 1699782 0 1699782 1699782 0 100% 0%

60 1000000 5.00% 21 2033 1 Medium Yes 2785963 0 2785963 2785963 0 100% 0%

60 1000000 5.00% 21 2033 1 Low Yes 2785963 0 2785963 2785963 0 100% 0%

60 1000000 6.00% 21 2033 1 Optional Yes 3399564 0 3399564 3399564 0 100% 0%

Your Age 81786786 50226812 50226812 31559973 61% 39%

57 3000000 6.00% 18 2030 1 Optional Yes Yes 8563017 0 0 0 8563017 0% 100%

77 5000000 21 2050 1 Optional Yes Yes 5000000 0 0 0 5000000 0% 100%

0 0 0 High Yes Yes 0 0 0 0 0 0% 0%



19017148 0 3761496 3761496 15255652 20% 80%

130302815 6149510 74587717 80737227 49565587 62% 38%

Futu

re F

inan

cial

G

oal

Future Dreams











Futu

re F

inan

cial

G

oal

Future Need







Goal Selection

Financial Goal ParticularsCh

ild F

utur

e Pl

anni

ng

Planning For-

Sandhya






After calculating with your actual cash flow

Planning For-Kevin







Retir

emen

t Pl

anni

ng



Sr. No. Year Amar Patel Sangita Patel Kevin Sandhya Self Income Spouse Income

Agriculture Income (if any)

Other Income Total Income Total Expenses

Surplus (Basic Cash

Flow)

Total Loan Repayment Amount Rs.

Loan Repayment For Future

Goal Amount Rs.

Net Surplus for Savings / Investment

Regular Investment

Commitment (Outflow)

Net Balance ( + / - )

@Each Year Ended

0 2012 39 36 11 6 206886 60000 50000 3750 320636 153619 167017 19500 147517 92053 554641 2013 40 37 12 7 623026 197773 165000 15000 1000799 496011 504789 72000 0 432789 284951 1478382 2014 41 38 13 8 622490 215513 181500 15000 1034504 533953 500551 54000 0 446551 304151 1424003 2015 42 39 14 9 623562 235038 199650 15000 1073249 574912 498337 154000 68790 275547 323351 -478044 2016 43 40 15 10 623489 256297 219615 15000 1114402 619137 495265 36000 68790 390474 337551 529235 2017 44 41 16 11 625755 280818 241577 15000 1163149 666898 496251 36000 68790 391461 343751 477106 2018 45 42 17 12 625405 307324 265734 15000 1213464 718490 494974 0 68790 426183 362951 632327 2019 46 43 18 13 625405 335927 292308 15000 1268640 774231 494409 0 68790 425618 382151 434678 2020 47 44 19 14 625405 366925 321538 115000 1428868 834467 594401 0 69747 524654 395245 1294099 2021 48 45 20 15 628495 401534 353692 0 1383721 899576 484145 0 69747 414398 393445 20953

10 2022 49 46 21 16 663598 466874 389061 0 1519533 969965 549568 0 69747 479821 410527 6929411 2023 50 47 22 17 663598 512160 427968 0 1603725 1046079 557646 0 69747 487899 429727 5817212 2024 51 48 23 18 663598 558232 470764 0 1692594 1128402 564193 0 69747 494445 448927 4551813 2025 52 49 24 19 663598 608905 517841 0 1790343 1217458 572885 0 69747 503138 461677 4146114 2026 53 50 25 20 663598 664649 569625 0 1897872 1313819 584053 0 69747 514305 480877 3342815 2027 54 51 26 21 663598 725959 626587 0 2016144 1418106 598038 0 69747 528291 498000 3029116 2028 55 52 27 22 663598 793404 689246 0 2146247 1530995 615253 0 69747 545506 517200 2830617 2029 56 53 28 23 663598 867595 758171 0 2289363 1653220 636143 0 69747 566396 536400 2999618 2030 57 54 29 24 663598 949120 833988 0 2446706 1785583 661123 0 69747 591375 555600 3577519 2031 58 55 30 25 663598 1028589 917386 0 2609572 1928954 680619 0 69747 610872 574800 3607220 2032 59 56 31 26 663598 1115994 1009125 0 2788717 2084280 704437 0 69747 634689 594000 4068921 2033 60 57 32 27 663598 1212143 1110037 0 2985778 2252595 733183 0 69747 663436 613200 5023622 2034 61 58 33 28 0 1317908 0 0 1317908 0 1317908 0 69747 1248161 0 124816123 2035 62 59 34 29 0 1434254 0 0 1434254 0 1434254 0 0 1434254 0 143425424 2036 63 60 35 30 0 1562224 0 0 1562224 0 1562224 0 0 1562224 0 156222425 2037 64 61 36 31 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 37 32 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 38 33 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 39 34 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 40 35 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 41 36 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 42 37 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 43 38 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 44 39 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 45 40 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 46 41 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 47 42 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 48 43 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 49 44 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 50 45 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 51 46 0 0 0 0 0 0 0 0 0 0 0 041 2053 80 77 52 47 0 0 0 0 0 0 0 0 0 0 0 042 2054 81 78 53 48 0 0 0 0 0 0 0 0 0 0 0 043 2055 82 79 54 49 0 0 0 0 0 0 0 0 0 0 0 044 2056 83 80 55 50 0 0 0 0 0 0 0 0 0 0 0 045 2057 84 81 56 51 0 0 0 0 0 0 0 0 0 0 0 046 2058 85 82 57 52 0 0 0 0 0 0 0 0 0 0 0 047 2059 86 83 58 53 0 0 0 0 0 0 0 0 0 0 0 048 2060 87 84 59 54 0 0 0 0 0 0 0 0 0 0 0 049 2061 88 85 60 55 0 0 0 0 0 0 0 0 0 0 0 050 2062 89 86 61 56 0 0 0 0 0 0 0 0 0 0 0 0

Age :




0 2012 39 36 23205 0 23205 0 0 73862 73862 97067 0 970671 2013 40 37 55000 53000 0 0 108000 72910 0 72910 18750 0 0 18750 91660 0 0 108000 916602 2014 41 38 60500 56180 0 0 116680 59160 0 59160 0 0 260000 260000 319160 0 0 116680 3191603 2015 42 39 66550 59551 952813 476406 602507 48410 0 48410 0 77597 50000 127597 176007 0 0 602507 1760074 2016 43 40 146410 63124 0 0 209534 38058 0 38058 0 0 674955 674955 713013 0 0 209534 7130135 2017 44 41 161051 66911 102103 0 330065 1708 0 1708 0 0 48031 48031 49739 0 0 330065 497396 2018 45 42 177156 70926 99296 0 347378 0 0 0 18750 0 0 18750 18750 0 0 347378 187507 2019 46 43 194872 75182 0 0 270053 0 0 0 0 0 0 0 0 0 0 270053 08 2020 47 44 214359 79692 5578468 2789234 3083285 0 0 0 213667 0 0 213667 213667 0 0 3083285 2136679 2021 48 45 235795 168948 92921 0 497664 0 0 0 0 227187 117171 344357 344357 0 0 497664 344357

10 2022 49 46 259374 179085 0 0 438459 0 0 0 108500 0 0 108500 108500 0 0 438459 10850011 2023 50 47 1426558 189830 0 0 1616388 0 0 0 0 0 0 0 0 0 0 1616388 012 2024 51 48 1569214 201220 0 0 1770434 0 0 0 0 0 0 0 0 0 0 1770434 013 2025 52 49 1726136 345227 0 0 2071363 0 0 0 243125 0 0 243125 243125 0 0 2071363 24312514 2026 53 50 0 379750 0 0 379750 0 0 0 0 0 0 0 0 0 0 379750 015 2027 54 51 0 417725 0 0 417725 0 0 0 108500 0 0 108500 108500 0 0 417725 10850016 2028 55 52 0 2297486 0 0 2297486 0 0 0 0 0 0 0 0 0 0 2297486 017 2029 56 53 3438027 2527235 420000 1719014 4666249 0 0 0 0 0 0 0 0 0 0 4666249 018 2030 57 54 0 2779959 8659282 0 11439241 0 0 0 0 0 0 0 0 0 0 11439241 019 2031 58 55 907680 0 0 363072 544608 0 0 0 0 0 0 0 0 0 0 544608 020 2032 59 56 0 1603568 0 801784 801784 0 0 0 0 0 0 0 0 0 0 801784 021 2033 60 57 0 0 111439 0 111439 0 0 0 0 0 0 0 0 0 0 111439 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 11836649 15916649 11836649 1591664923 2035 62 59 0 0 767881 0 767881 0 0 0 0 0 0 0 0 1320672 0 2088553 024 2036 63 60 0 0 129004 0 129004 0 0 0 0 0 0 0 0 1487159 0 1616163 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 1665701 0 1665701 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 1857225 0 1857225 027 2039 66 63 0 0 149338 0 149338 0 0 0 0 0 0 0 0 2062740 0 2212078 028 2040 67 64 0 0 980032 0 980032 0 0 0 0 0 0 0 0 2283333 0 3263365 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 2520184 0 2520184 030 2042 69 66 0 0 172878 0 172878 0 0 0 0 0 0 0 0 2774571 0 2947449 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 3047879 0 3047879 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 3341609 0 3341609 033 2045 72 69 0 0 1450925 0 1450925 0 0 0 0 0 0 0 0 3657387 0 5108312 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 3996981 0 3996981 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 4362304 0 4362304 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 4755438 0 4755438 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 5178639 0 5178639 038 2050 77 74 0 0 6596369 0 6596369 0 0 0 0 0 0 0 0 5634359 0 12230728 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 6125262 0 6125262 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 6654243 0 6654243 041 2053 80 77 0 0 0 0 0 0 0 0 0 0 0 0 0 7224450 0 7224450 042 2054 81 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 043 2055 82 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 044 2056 83 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 045 2057 84 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Total Amount Of Future

Need / Dreams /

Retirement Need Etc.

Total Inflow throgh



Regular Income from


MF)

Mutual Fund Regular

Withdrawal (SWP)


Proceeds Amount from

Traditional Plan


Proceeds Amount from Unit Linked

Plan




FDR

Aggregate Amt. of Need & Fund


Future Need for Kevin


Future Need for Sandhya

Future Financial Need & Dream

Total Amount of Goal

Funding to be from Sale of

Assets & Future Loan -

Rs.


from Financial

Investment Portfolio - Rs.


through Interest / Sys.

Withdrawal from

Investment Account




Account

Summary Data - For Child Future Need / Other Future Need &

Dreams / Retirement Needs &

Funds available through Maturity proceeds of Investment / Interest Income & Retirement

Benefit / PPF A/c. Etc.

Required Net Total Amount of Goal Funding (Other than Retirement Need)

Inflow through Maturity proceeds of Life Insurance Schemes / Fixed Return Schemes & Interest Income on Investments. ( For Other than Retirement Need ) Retirement Need

Total Inflow - Investment Income & Maturity

Proceeds of Investment

Account

Total Amount - Post

Retirement Expenses &

Funding Need - Rs.


Investment Maturity


Account



Year Sr. No. upto

Retirement

Year Age

Opening Balance

( Investments in Direct

Equity & MF)( 1 )

C/F - Cash - Net Balance - From Earning

Cash Flow ( 2 )

Inflow of Maturity Amount

(See Annexure )

( 3 )

Net Flow During the

Year (4)

(2+3)

Available Balance for

Funding ( 5 )(1+4)

Fund Require for - Future Financial

Need / Goals( 6 )

Balance After Fundings

( 7 )( 5-6 )

Opening Balance of SIP A/c. at Each Year

( 8 )

Possible Goal fundings from

SIP Corpus( 9 )

( 8-7)

SIP Balance After

Fundings( 10 )( 8-9)

Outstanding / Shortfall of

Goal Amount( 11 )( 7-9)

Weighted Average Rate

of Return(12)

Return on Balance Amount

(13)( 7 x 12)

Closing Balance

( On Cash Basis)

(14)(7+13)


(Financial Investment)

Amt. Rs.


%wise



Primary Cash Flow Shortfall

0 2012 39 2287330 0 97067 97067 2384397 250000 2134397 0 0 51582 0 0.00% 0 2134397 74587717 60% 49565587 40% 01 2013 40 2134397 55464 91660 147124 2281521 108000 2173521 51582 0 235659 0 11.51% 250212 2423733 108000 100% 0 0% 02 2014 41 2423733 147838 319160 466998 2890730 116680 2774050 235659 0 462349 0 11.51% 319344 3093394 116680 100% 0 0% 03 2015 42 3093394 142400 176007 318407 3411802 602507 2809294 462349 0 738501 0 11.51% 323401 3132696 602507 100% 0 0% 04 2016 43 3132696 -47804 713013 665209 3797904 209534 3588371 738501 0 1072066 0 11.82% 424171 4012542 209534 100% 0 0% 05 2017 44 4012542 52923 49739 102663 4115204 330065 3785140 1072066 0 1472275 0 11.82% 447431 4232570 330065 100% 0 0% 06 2018 45 4232570 47710 18750 66460 4299030 347378 3951651 1472275 0 1949841 0 11.82% 467114 4418765 347378 100% 0 0% 07 2019 46 4418765 63232 0 63232 4481997 270053 4211944 1949841 0 2517199 0 11.82% 497882 4709826 270053 100% 0 0% 08 2020 47 4709826 43467 213667 257134 4966960 3083285 1883675 2517199 0 3188783 0 12.00% 226041 2109715 3083285 100% 0 0% 09 2021 48 2109715 129409 344357 473766 2583481 497664 2085817 3188783 0 3981348 0 12.00% 250298 2336116 497664 100% 0 0% 0

10 2022 49 2336116 20953 108500 129453 2465569 438459 2027110 3981348 0 4914342 0 12.00% 243253 2270363 438459 100% 0 0% 011 2023 50 2270363 69294 0 69294 2339657 1616388 723268 4914342 0 6010341 0 12.00% 86792 810061 1616388 100% 0 0% 012 2024 51 810061 58172 0 58172 868233 1770434 -902201 6010341 902201 6248314 0 12.00% 0 0 1770434 100% 0 0% 013 2025 52 0 45518 243125 288643 288643 2071363 -1782719 6248314 1782719 5515498 0 12.00% 0 0 2071363 100% 0 0% 014 2026 53 0 41461 0 41461 41461 379750 -338289 5515498 338289 6354528 0 12.00% 0 0 379750 100% 0 0% 015 2027 54 0 33428 108500 141928 141928 417725 -275796 6354528 275796 7413996 0 12.00% 0 0 417725 100% 0 0% 016 2028 55 0 30291 0 30291 30291 2297486 -2267196 7413996 2267196 6345273 0 12.00% 0 0 2297486 100% 0 0% 017 2029 56 0 28306 0 28306 28306 4666249 -4637943 6345273 4637943 2365914 0 12.00% 0 0 4666249 100% 0 0% 018 2030 57 0 29996 0 29996 29996 11439241 -11409245 2365914 0 3143390 11409245 12.00% 0 0 29996 0% 11409245 100% 019 2031 58 0 429103 0 429103 429103 544608 -115505 3143390 115505 3924796 0 12.00% 0 0 544608 100% 0 0% 020 2032 59 0 356785 0 356785 356785 801784 -444999 3924796 444999 4462377 0 12.00% 0 0 801784 100% 0 0% 021 2033 60 0 40689 0 40689 40689 111439 -70749 4462377 70749 5533810 0 12.00% 0 0 111439 100% 0 0% 022 2034 61 0 50236 15916649 15966885 15966885 11836649 4130236 16276449 0 16276449 0 7.00% 1428468 21835153 11836649 100% 0 0% 00 2035 62 21835153 1248161 0 1248161 23083314 2088553 20994761 0 0 0 0 7.00% 1469633 22464394 2088553 100% 0 0% 00 2036 63 22464394 1434254 0 1434254 23898648 1616163 22282485 0 0 0 0 7.00% 1559774 23842259 1616163 100% 0 0% 00 2037 64 23842259 1562224 0 1562224 25404483 1665701 23738783 0 0 0 0 7.00% 1661715 25400497 1665701 100% 0 0% 00 2038 65 25400497 0 0 0 25400497 1857225 23543272 0 0 0 0 7.00% 1648029 25191301 1857225 100% 0 0% 00 2039 66 25191301 0 0 0 25191301 2212078 22979223 0 0 0 0 7.00% 1608546 24587769 2212078 100% 0 0% 00 2040 67 24587769 0 0 0 24587769 3263365 21324403 0 0 0 0 7.00% 1492708 22817112 3263365 100% 0 0% 00 2041 68 22817112 0 0 0 22817112 2520184 20296928 0 0 0 0 7.00% 1420785 21717713 2520184 100% 0 0% 00 2042 69 21717713 0 0 0 21717713 2947449 18770264 0 0 0 0 7.00% 1313918 20084182 2947449 100% 0 0% 00 2043 70 20084182 0 0 0 20084182 3047879 17036303 0 0 0 0 7.00% 1192541 18228844 3047879 100% 0 0% 00 2044 71 18228844 0 0 0 18228844 3341609 14887236 0 0 0 0 7.00% 1042106 15929342 3341609 100% 0 0% 00 2045 72 15929342 0 0 0 15929342 5108312 10821030 0 0 0 0 7.00% 757472 11578502 5108312 100% 0 0% 00 2046 73 11578502 0 0 0 11578502 3996981 7581522 0 0 0 0 7.00% 530707 8112228 3996981 100% 0 0% 00 2047 74 8112228 0 0 0 8112228 4362304 3749924 0 0 0 0 7.00% 262495 4012418 4362304 100% 0 0% 00 2048 75 4012418 0 0 0 4012418 4755438 -743020 0 0 0 743020 7.00% 0 0 4012418 84% 743020 16% 00 2049 76 0 0 0 0 0 5178639 -5178639 0 0 0 5178639 7.00% 0 0 0 0% 5178639 100% 00 2050 77 0 0 0 0 0 12230728 -12230728 0 0 0 12230728 7.00% 0 0 0 0% 12230728 100% 00 2051 78 0 0 0 0 0 6125262 -6125262 0 0 0 6125262 7.00% 0 0 0 0% 6125262 100% 00 2052 79 0 0 0 0 0 6654243 -6654243 0 0 0 6654243 7.00% 0 0 0 0% 6654243 100% 00 2053 80 0 0 0 0 0 7224450 -7224450 0 0 0 7224450 7.00% 0 0 0 0% 7224450 100% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0

Financial Investment Portfolio Cash Flow with Goal Mapping Year Wise Goal Gap / Shortfall AnalysisLumpsum - Financial Investment + Retirement Portfolio SIP Cash Flow ( Incl. Retirement Fund) Shortfall, Return & Closing Balance




Required Lumpsum

Investment

Required Amount Rs.

Required Lumpsum

Investment


Required Lumpsum

Investment

Required Monthly

Investment

Required Amount Rs.

Required Lumpsum

Investment

Required Monthly

Investment


Required Lumpsum

Investment

Required Regular

Investment

Required Amount Rs.

Required Lumpsum

Investment

Required Regular

InvestmentMonthly Monthly

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

50000 1 / 3 182050 155624 0 0 0 0 0 0 0 0 0 0 0 0 0 0

100000 4 / 4 0 0 0 0 679489 420627 8990 0 0 0 0 0 0 0 0 0

100000 8 / 3 0 0 0 0 0 0 0 0 0 0 709528 255117 3397 0 0 0

500000 11 / 3 0 0 0 0 0 0 0 0 0 0 4721908 1208465 12493 0 0 0

1500000 17 / 1 0 0 0 0 0 0 0 0 0 0 3438027 500729 3657 0 0 0

300000 19 / 1 0 0 0 0 0 0 0 0 0 0 907680 105388 701 0 0 0

182050 155624 0 0 679489 420627 8990 0 0 0 9777143 2069700 20249 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

50000 1 / 8 168731 144513 0 0 276143 171624 3668 0 0 0 79692 32186 429 0 0 0

100000 9 / 4 0 0 0 0 0 0 0 0 0 0 739082 224804 2724 0 0 0

100000 13 / 3 0 0 0 0 0 0 0 0 0 0 1142702 233138 2113 0 0 0

500000 16 / 3 0 0 0 0 0 0 0 0 0 0 7604680 1104352 8476 2749963 357604 2490

500000 20 / 1 0 0 0 0 0 0 0 0 0 0 1603568 166237 1058 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

168731 144513 0 0 276143 171624 3668 0 0 0 11169724 1760718 14800 2749963 357604 2490

3500000 8 / 1 0 0 0 0 0 0 0 0 0 0 5578468 2253050 30002 0 0 0

800000 3 / 1 952813 756374 0 0 0 0 0 0 0 0 0 0 0 0 0 0

70000 6 / 1 0 0 0 0 99296 59207 848 0 0 0 0 0 0 0 0 0

55000 9 / 1 0 0 0 0 0 0 0 0 0 0 92921 33508 406 0 0 0

80000 5 / 1 0 0 0 0 102103 66360 1138 0 0 0 0 0 0 0 0 0

250000 17 / 1 0 0 0 0 0 0 0 0 0 0 420000 61171 447 0 0 0

952813 756374 0 0 201399 125567 1986 0 0 0 6091390 2347729 30855 0 0 0

7224450 21 / 1 0 0 0 0 0 0 0 0 0 0 71115515 2716122 25362 31559973 824703 7701

500000 21 / 1 0 0 0 0 0 0 0 0 0 0 1699782 140474 1312 0 0 0

1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 2785963 230239 2150 0 0 0

1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 2785963 230239 2150 0 0 0

1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 3399564 280948 2623 0 0 0

0 0 0 0 0 0 0 0 0 0 81786786 3598023 33596 31559973 824703 7701

3000000 18 / 1 0 0 0 0 0 0 0 0 0 0 8563017 1113531 7755 8563017 1113531 7755

5000000 21 / 1 0 0 0 0 0 0 0 0 0 0 5000000 139969 818 5000000 139969 818

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

40000 18 / Every 3 Year 0 0 0 0 0 0 0 0 0 0 859051 57117 398 96265 12518 87

250000 21 / Every 5 Year 0 0 0 0 0 0 0 0 0 0 4595080 207075 1210 1596369 44689 261

0 0 0 0 0 0 0 0 0 0 19017148 1517693 10180 15255652 1310707 8921

1303594 1056511 0 0 1157030 717817 14645 0 0 0 127842191 11293862 109680 49565587 2493014 19112

Future Dreams

Farm House & Land

Create Wealth for Family

0

Domestic Long Tour

Foreign Tour



Medical Expenses

Tour - Yatra

Donation / Gift

Reserve Balance

Future Need

New Residential House

Motor Car

Bike for Kevin

Scooty for Sandhya

2 Computer System

Home Appliances / Furniture

Marriage Expenses

Planning For-

Sandhya

0





Marriage Expenses

0

For Full Goal Amount For Shortfall

Planning For-Kevin

0





For start in life

Selected Financial GoalPresent Cost of Goal OR Target Goal Amount

Today onwards - available years

for Regular Investment

& Funds

requirement for No. of Years

For Short Term Need - Next 3 Years -Investment required @ 8%

For Medium Term Need -4 to 7 Years - Investment required @9% For Long Term Need -8 to 22 Years - Investment required @12% & 23 years onwards - Post Retirement @7%

For Full Goal Amount For Shortfall For Full Goal Amount For Shortfall

Financial Goalwise - Gross Investment Need & Investment Need for Goal Shortfall



0% 0%

100% 0%

100% 0%

100% 0%

100% 0%

100% 0%

100% 0%

100% 0%

0% 0%

100% 0%

100% 0%

100% 0%

64% 36%

100% 0%

0% 0%

76% 24%

100% 0%

100% 0%

100% 0%

100% 0%

100% 0%

100% 0%

100% 0%

56% 44%

100% 0%

100% 0%

100% 0%

100% 0%

61% 39%

0% 100%

0% 100%

0% 0%

89% 11%

65% 35%

20% 80%

62% 38%

Retir

emen

t Pl

anni

ng Retirement Corpus & Provision






Aggregate :

Futu

re F

inan

cial

G

oal Future

Dreams





Futu

re F

inan

cial

G

oal Future

Need







Financial Goal Particulars Possible Goal Achievement

%wise

Shortfall in Goal %wise Financial Goal Gap Analysis

Child

Fut

ure

Plan

ning

Planning For-Kevin







Planning For-

Sandhya






0

1000000

2000000

3000000

4000000

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


0%

20%

40%

60%

80%

100%

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


0

1000000

2000000

3000000

4000000

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


0%

20%

40%

60%

80%

100%

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


0

2000000

4000000

6000000

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


0%20%40%60%80%

100%

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


05000000

1000000015000000

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


-5000000

0

5000000

10000000

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


0%

50%

100%

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053


0%

50%

100%

2013

2015

2017

2019

2021

2023

2025

2027

2029

2031

2033

2035

2037

2039

2041

2043

2045

2047

2049

2051

2053




1080

00

1166

80 6025

07

2095

34

3300

65

3473

78

2700

53

3083

285

4976

64

4384

59

1616

388

1770

434

2071

363

3797

50

4177

25

2297

486

4666

249

1143

9241

5446

08

8017

84

1114

39

1183

6649

2088

553

1616

163

1665

701

1857

225

2212

078 32

6336

5

2520

184

2947

449

3047

879

3341

609

5108

312

3996

981

4362

304

4755

438

5178

639

1223

0728

6125

262

6654

243

7224

450

0

2000000

4000000

6000000

8000000

10000000

12000000

14000000

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

2030

2031

2032

2033

2034

2035

2036

2037

2038

2039

2040

2041

2042

2043

2044

2045

2046

2047

2048

2049

2050

2051

2052

2053

Yearwise Amountwise Goal Gap Analysis

Shortfall in Funds


Funds to be required

0%10%20%30%40%50%60%70%80%90%

100%

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

2030

2031

2032

2033

2034

2035

2036

2037

2038

2039

2040

2041

2042

2043

2044

2045

2046

2047

2048

2049

2050

2051

2052

2053

Yearwise %wise Goal Gap Analysis

Shortfall in Funds





Self Employed / Personal Income

Spouse Income


House Rent Income

Other Income

Other Income

Other Income

Interest on Loan /

Principal - from

Friends/ Relatives

Personal Expenses

Housing Expenses

Food Expenses

Living Expenses

Health Expenses


Total Expenses

0 2012 39 36 206886 60000 50000 0 0 0 0 3750 20520 27552 34467 34380 17467 19233 1536191 2013 40 37 623026 197773 165000 0 0 0 0 15000 65254 87615 111672 110360 57640 63470 4960112 2014 41 38 622490 215513 181500 0 0 0 0 15000 69169 92872 120606 118085 63404 69817 5339533 2015 42 39 623562 235038 199650 0 0 0 0 15000 73319 98445 130254 126351 69744 76799 5749124 2016 43 40 623489 256297 219615 0 0 0 0 15000 77718 104351 140675 135196 76719 84479 6191375 2017 44 41 625755 280818 241577 0 0 0 0 15000 82381 110612 151929 144659 84391 92926 6668986 2018 45 42 625405 307324 265734 0 0 0 0 15000 87324 117249 164083 154785 92830 102219 7184907 2019 46 43 625405 335927 292308 0 0 0 0 15000 92563 124284 177209 165620 102113 112441 7742318 2020 47 44 625405 366925 321538 0 0 0 0 115000 98117 131741 191386 177214 112324 123685 8344679 2021 48 45 628495 401534 353692 0 0 0 0 0 104004 139646 206697 189619 123556 136054 899576

10 2022 49 46 663598 466874 389061 0 0 0 0 0 110245 148024 223233 202892 135912 149659 96996511 2023 50 47 663598 512160 427968 0 0 0 0 0 116859 156906 241091 217094 149503 164625 104607912 2024 51 48 663598 558232 470764 0 0 0 0 0 123871 166320 260379 232291 164454 181087 112840213 2025 52 49 663598 608905 517841 0 0 0 0 0 131303 176299 281209 248551 180899 199196 121745814 2026 53 50 663598 664649 569625 0 0 0 0 0 139181 186877 303706 265950 198989 219116 131381915 2027 54 51 663598 725959 626587 0 0 0 0 0 147532 198090 328002 284567 218888 241027 141810616 2028 55 52 663598 793404 689246 0 0 0 0 0 156384 209975 354242 304486 240777 265130 153099517 2029 56 53 663598 867595 758171 0 0 0 0 0 165767 222574 382582 325800 264854 291643 165322018 2030 57 54 663598 949120 833988 0 0 0 0 0 175713 235928 413188 348606 291340 320807 178558319 2031 58 55 663598 1028589 917386 0 0 0 0 0 186256 250084 446243 373009 320474 352888 192895420 2032 59 56 663598 1115994 1009125 0 0 0 0 0 197431 265089 481943 399119 352521 388177 208428021 2033 60 57 663598 1212143 1110037 0 0 0 0 0 209277 280994 520498 427058 387773 426994 225259522 2034 61 58 0 1317908 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 1434254 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 1562224 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(Proposed) -Today - onwards - Cash - Inflow & Outflow with Investment Cash Flow & AnnexuresAge : Main Income Other Income Regular Expenses - Outflow




Sangita Patel


Deposit

Traditional Life

Insurance Plan

Traditional Pension

Plan

Unit Linked Life

Insurance Plan

Unit Linked Pension

Plan

Mutual Fund SIP

Investment

Total Investment

Outflow

Regular Investment

in PPF

Mutual Fund SIP

Investment

Total Investment

for Retirement

EPF Contribution

(Self)

EPF Contribution

(Spouse)

0 2012 39 36 3500 2553 0 0 10000 50000 66053 6000 20000 26000 92053 25920 01 2013 40 37 6000 9301 6450 0 10000 162000 193751 24000 67200 91200 284951 77760 02 2014 41 38 6000 9301 6450 0 10000 174000 205751 24000 74400 98400 304151 77760 03 2015 42 39 6000 9301 6450 0 10000 186000 217751 24000 81600 105600 323351 77760 04 2016 43 40 3000 9301 6450 0 10000 198000 226751 22000 88800 110800 337551 77760 05 2017 44 41 0 9301 6450 0 10000 210000 235751 12000 96000 108000 343751 77760 06 2018 45 42 0 9301 6450 0 10000 222000 247751 12000 103200 115200 362951 77760 07 2019 46 43 0 9301 6450 0 10000 234000 259751 12000 110400 122400 382151 77760 08 2020 47 44 0 4195 6450 0 10000 246000 266645 11000 117600 128600 395245 77760 09 2021 48 45 0 4195 6450 0 0 258000 268645 0 124800 124800 393445 77760 0

10 2022 49 46 0 2077 6450 0 0 270000 278527 0 132000 132000 410527 77760 011 2023 50 47 0 2077 6450 0 0 282000 290527 0 139200 139200 429727 77760 012 2024 51 48 0 2077 6450 0 0 294000 302527 0 146400 146400 448927 77760 013 2025 52 49 0 2077 0 0 0 306000 308077 0 153600 153600 461677 77760 014 2026 53 50 0 2077 0 0 0 318000 320077 0 160800 160800 480877 77760 015 2027 54 51 0 0 0 0 0 330000 330000 0 168000 168000 498000 77760 016 2028 55 52 0 0 0 0 0 342000 342000 0 175200 175200 517200 77760 017 2029 56 53 0 0 0 0 0 354000 354000 0 182400 182400 536400 77760 018 2030 57 54 0 0 0 0 0 366000 366000 0 189600 189600 555600 77760 019 2031 58 55 0 0 0 0 0 378000 378000 0 196800 196800 574800 77760 020 2032 59 56 0 0 0 0 0 390000 390000 0 204000 204000 594000 77760 021 2033 60 57 0 0 0 0 0 402000 402000 0 211200 211200 613200 77760 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0

Age : Regular Investment Outflow Investment For Retirement Needs Total


(Outflow)

Self / Employer Contribution



Fixed Assets - For

Personal use only

Fixed Assets - For

Personal use only

Others Loan Others Loan


Movable Properties



Residential Building /

Flat

Two Wheelers

Loan from Friends-1

Loan from Friends-1-

Interest Payment


Sangita Patel

0 2012 39 36 9000 6000 0 4500 0 0 0 0 0 0 0 0 0 0 195001 2013 40 37 36000 18000 0 18000 0 0 0 0 0 0 0 0 0 0 720002 2014 41 38 36000 0 0 18000 0 0 0 0 0 0 0 0 0 0 540003 2015 42 39 36000 0 100000 18000 0 0 0 0 0 0 0 0 0 0 1540004 2016 43 40 36000 0 0 0 0 0 0 0 0 0 0 0 0 0 360005 2017 44 41 36000 0 0 0 0 0 0 0 0 0 0 0 0 0 360006 2018 45 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 08 2020 47 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

10 2022 49 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Assets - Purpose of use

Total Loan Payment Liabilites

Property Types

Loan on Assets




Sangita Patel

HDFC MID-CAP

OPPORTUNITIES FUND -

Growth Option

HDFC Equity Fund - Growth Option 0 0 0 0 0 0 0 0

ICICI Prudential Tax Plan-Growth Option

Birla Sun Life MIP II - Wealth 25

Plan-Plan B (Growth)

0 0 0

0 2012 39 36 22000 28000 0 0 0 0 0 0 0 0 12000 8000 0 0 01 2013 40 37 72000 90000 0 0 0 0 0 0 0 0 42000 25200 0 0 02 2014 41 38 78000 96000 0 0 0 0 0 0 0 0 48000 26400 0 0 03 2015 42 39 84000 102000 0 0 0 0 0 0 0 0 54000 27600 0 0 04 2016 43 40 90000 108000 0 0 0 0 0 0 0 0 60000 28800 0 0 05 2017 44 41 96000 114000 0 0 0 0 0 0 0 0 66000 30000 0 0 06 2018 45 42 102000 120000 0 0 0 0 0 0 0 0 72000 31200 0 0 07 2019 46 43 108000 126000 0 0 0 0 0 0 0 0 78000 32400 0 0 08 2020 47 44 114000 132000 0 0 0 0 0 0 0 0 84000 33600 0 0 09 2021 48 45 120000 138000 0 0 0 0 0 0 0 0 90000 34800 0 0 0

10 2022 49 46 126000 144000 0 0 0 0 0 0 0 0 96000 36000 0 0 011 2023 50 47 132000 150000 0 0 0 0 0 0 0 0 102000 37200 0 0 012 2024 51 48 138000 156000 0 0 0 0 0 0 0 0 108000 38400 0 0 013 2025 52 49 144000 162000 0 0 0 0 0 0 0 0 114000 39600 0 0 014 2026 53 50 150000 168000 0 0 0 0 0 0 0 0 120000 40800 0 0 015 2027 54 51 156000 174000 0 0 0 0 0 0 0 0 126000 42000 0 0 016 2028 55 52 162000 180000 0 0 0 0 0 0 0 0 132000 43200 0 0 017 2029 56 53 168000 186000 0 0 0 0 0 0 0 0 138000 44400 0 0 018 2030 57 54 174000 192000 0 0 0 0 0 0 0 0 144000 45600 0 0 019 2031 58 55 180000 198000 0 0 0 0 0 0 0 0 150000 46800 0 0 020 2032 59 56 186000 204000 0 0 0 0 0 0 0 0 156000 48000 0 0 021 2033 60 57 192000 210000 0 0 0 0 0 0 0 0 162000 49200 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Investment through SIP - For Need other than Retirement Investment through SIP - For Retirement Need Only




0 2012 39 36 23205 0 23205 0 0 73862 73862 0 970671 2013 40 37 72910 0 72910 18750 0 0 18750 0 916602 2014 41 38 59160 0 59160 0 0 260000 260000 0 3191603 2015 42 39 48410 0 48410 0 77597 50000 127597 0 1760074 2016 43 40 38058 0 38058 0 0 674955 674955 0 7130135 2017 44 41 1708 0 1708 0 0 48031 48031 0 497396 2018 45 42 0 0 0 18750 0 0 18750 0 187507 2019 46 43 0 0 0 0 0 0 0 0 08 2020 47 44 0 0 0 213667 0 0 213667 0 2136679 2021 48 45 0 0 0 0 227187 117171 344357 0 344357

10 2022 49 46 0 0 0 108500 0 0 108500 0 10850011 2023 50 47 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 243125 0 0 243125 0 24312514 2026 53 50 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 108500 0 0 108500 0 10850016 2028 55 52 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 15916649 1591664923 2035 62 59 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0

Su

mm

ary

-In

com

e fr

om

Inve

stm

ent

& M

atu

rity

Ben

efit

C

ash

Flo

w


Investment Maturity


Account

Total Inflow throgh



Total Amount of

Maturity Proceeds

from Postal Schemes /

Bonds - NCD / FDR




through Interest /

Sys. Withdrawal

from Investment

Account




Account

Age : Regular Income from


MF)

Mutual Fund Regular

Withdrawal (SWP)


from Traditional

Plan




Regular Prem.-

Traditional Life

Insurance Plan -

Maturity

Single Prem.-Traditional

Life Insurance

Plan -Maturity

Reg. Premium Policy - Survival Benefit

Single Premium Policy - Survival Benefit

Regular Prem.-

Traditional Pension

Plan -Maturity

Single Prem.- Traditional

Pension Plan -

Maturity

Ulip-Regular Premium -Maturity

Ulip-Single Premium

ULPP-Regular

Premium

ULPP-Single Premium

0 2012 39 36 0 0 0 0 0 0 0 0 0 0 0 0 738621 2013 40 37 0 0 18750 0 0 0 18750 0 0 0 0 0 02 2014 41 38 0 0 0 0 0 0 0 0 0 0 0 0 2600003 2015 42 39 0 0 0 0 0 0 0 0 0 0 77597 77597 500004 2016 43 40 0 0 0 0 0 0 0 0 0 0 0 0 6749555 2017 44 41 0 0 0 0 0 0 0 0 0 0 0 0 480316 2018 45 42 0 0 18750 0 0 0 18750 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 08 2020 47 44 213667 0 0 0 0 0 213667 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 227187 0 0 227187 117171

10 2022 49 46 108500 0 0 0 0 0 108500 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 243125 0 0 0 0 243125 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 108500 0 0 0 0 0 108500 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0






FDR

Age : Regular Income / Maturity Proceeds - Traditional Life Insurance Plan

Traditional Pension Plan Maturity Total Income

/ Maturity Proceeds Amount

from Traditional

Plan

Unit Linked Life Insurance / Pension Plan Maturity Proceeds







NCD

Income - Company

FDs


Deposit

Post Office Monthly Scheme



NCD

Income - Company

FDs

Postal - Time

Deposit

National Savings

Certificate

Kisan Vikas Patra

Growth -Govt. / Pvt. Co. -Bond /

NCD

Growth - Company

FDsBank_FDR

0 2012 39 36 7125 3375 7300 5405 73862 0 0 0 0 0 0 0 0 0 01 2013 40 37 28500 13500 20100 10810 0 0 0 0 0 0 0 0 0 0 02 2014 41 38 28500 13500 6350 10810 0 110000 0 150000 0 0 0 0 0 0 03 2015 42 39 20500 13500 3600 10810 0 0 50000 0 0 0 0 0 0 0 04 2016 43 40 20500 6750 2700 8108 36931 250000 100000 40000 100000 0 0 0 0 0 1480245 2017 44 41 1708 0 0 0 0 0 0 0 0 0 48031 0 0 0 06 2018 45 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 08 2020 47 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 0 0 117171 0 0 0 0

10 2022 49 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Age : Regular Income from Investment Maturity Proceeds of Investments - Post Office Schemes / Bonds / NCD / Company FDR / Bank FDR



Sr. No. Year Amar Patel Sangita Patel EPF EPS Gratuity Any Others EPF EPS Gratuity Any Others

0 2012 39 36 0 0 0 0 0 0 0 0 0 0 01 2013 40 37 0 0 0 0 0 0 0 0 0 0 02 2014 41 38 0 0 0 0 0 0 0 0 0 0 03 2015 42 39 0 0 0 0 0 0 0 0 0 0 04 2016 43 40 0 0 0 0 0 0 0 0 0 0 05 2017 44 41 0 0 0 0 0 0 0 0 0 0 06 2018 45 42 0 0 0 0 0 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 08 2020 47 44 0 0 0 0 0 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 0 0 0

10 2022 49 46 0 0 0 0 0 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 0 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 0 0 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 6074375 233611 904327 7212313 0 0 0 0 1139315 7565021 1591664923 2035 62 59 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0

PPF Maturity ( Re -

invested if mature earlier)

Mutual Fund SIP ( Value

at Retirement)

Total Fund Available at Retirement

(From Regular Investments)

Age : Maturity Proceeds of Retirement Fund - (Self)Total

Retirement Benefit (Self)

Maturity Proceeds of Retirement Fund - (Spouse)Total

Retirement Benefit

(Spouse)



Asset Class Sum of Current Fund Value Rs. Asset Class Sum of Current Fund Value

Rs. - %wiseDebt 11424 Debt 0.72%Equity 1547556 Equity 97.27%Hybrid 31980 Hybrid 2.01%Grand Total 1590960 Grand Total 100.00%

Sum of Current Fund Value Rs. Asset Class Scheme Type Sum of Current Fund Value

Rs. - %wiseScheme Type Debt Equity Hybrid Grand Total Open Ended 100.00%Open Ended 11424 1547556 31980 1590960 Grand Total 100.00%Grand Total 11424 1547556 31980 1590960

Sum of Current Fund Value Rs. Asset Class

Fund House Debt Equity Hybrid Grand TotalBirla 11424 8425 31980 51829Canara 256848 256848DSP 144093 144093HDFC 872118 872118

ICICI 221368 221368 Fund House Sum of Current Fund Value Rs. - %wise

Reliance 44704 44704 Birla 3.26%Grand Total 11424 1547556 31980 1590960 Canara 16.14%

DSP 9.06%HDFC 54.82%ICICI 13.91%Reliance 2.81%Grand Total 100.00%

Existing - Mutual Fund Portfolio Analysis

0.72%

97.27%

2.01%0.00%

100.00%

Debt Equity Hybrid

Current MF -Asset Allocation

Asset Class

Sum of Current Fund Value Rs. - %wise

Birla, 3.26%Canara, 16.14%DSP, 9.06%

HDFC, 54.82%

ICICI, 13.91%

Reliance, 2.81%

Other, 16.72%

AMC wise AllocationSum of Current Fund Value Rs. - %wise

100.00%

Scheme Type

Open EndedScheme Type




Asset Class Fund Category Fund Sub-Category Fund House Sum of Current Fund Value Rs. Sum of Current Fund Value Rs. - %wise

Sum of Existing SIP /SWP Amount Rs.

Debt Debt -Liquid Liquid Birla 11424 0.72% 0Liquid Total 11424 0.72% 0

Debt -Liquid Total 11424 0.72% 0Debt Sum 11424 0.72% 0

Equity Equity Diversified Large & Mid Cap Canara 256848 16.14% 0Large & Mid Cap Total 256848 16.14% 0

Mid & Small Cap HDFC 239531 15.06% 5000Mid & Small Cap Total 239531 15.06% 5000

Multi Cap HDFC 134284 8.44% 7000Multi Cap Total 134284 8.44% 7000

Tax Planning Birla 8425 0.53% 0DSP 28733 1.81% 0HDFC 498302 31.32% 0ICICI 221368 13.91% 3000

Tax Planning Total 756828 47.57% 3000Equity Diversified Total 1387492 87.21% 15000

Equity Sectoral Banking Reliance 31310 1.97% 0Banking Total 31310 1.97% 0

Pharma Reliance 13394 0.84% 0Pharma Total 13394 0.84% 0

Equity Sectoral Total 44704 2.81% 0Equity -Thematic & Others Infrastructure DSP 115360 7.25% 0

Infrastructure Total 115360 7.25% 0

Equity -Thematic & Others Total 115360 7.25% 0

Equity Sum 1547556 97.27% 15000Hybrid Balanced Equity-oriented Birla 14804 0.93% 0

Equity-oriented Total 14804 0.93% 0Balanced Total 14804 0.93% 0

Debt Oriented -MIP & Asset Allo. Debt-oriented Aggressive Birla 17176 1.08% 0

Debt-oriented Aggressive Total 17176 1.08% 0

Debt Oriented -MIP & Asset Allo. Total 17176 1.08% 0

Hybrid Sum 31980 2.01% 0Grand Total 1590960 100.00% 15000



Asset Class Fund Category Fund Sub-Category Scheme Name Expense Ratio Assets Sum of Current Fund Value Rs. Sum of Current Fund Value Rs. - %wise

Sum of Existing SIP /SWP Amount Rs.

Debt Debt -Liquid Liquid Birla Sun Life Cash Plus-Retail (Growth) 0.26 12341.67 11424 0.72% 0

Liquid Total 11424 0.72% 0Debt -Liquid Total 11424 0.72% 0

Debt Sum 11424 0.72% 0

Equity Equity Diversified Large & Mid Cap Canara Robeco Equity Diversified-Growth Option 2.25 622.06 256848 16.14% 0

Large & Mid Cap Total 256848 16.14% 0

Mid & Small CapHDFC MID-CAP OPPORTUNITIES FUND - Growth Option

1.91 2021.09 239531 15.06% 5000

Mid & Small Cap Total 239531 15.06% 5000

Multi Cap HDFC Equity Fund - Growth Option 1.78 9718.17 134284 8.44% 7000

Multi Cap Total 134284 8.44% 7000

Tax Planning Birla Sun Life Relief 96 - Growth Option 1.97 1349.42 8425 0.53% 0

DSP BlackRock Tax Saver Fund - Growth 2.17 715.53 28733 1.81% 0HDFC TaxSaver-Dividend Plan 1.85 3149.79 474137 29.80% 0HDFC TaxSaver-Growth Plan 1.85 3149.79 24166 1.52% 0ICICI Prudential Tax Plan-Growth Option 1.98 1295.14 221368 13.91% 3000


Equity Sectoral Banking Reliance Banking Fund-Growth Plan-Growth Option 1.93 1671.49 31310 1.97% 0

Banking Total 31310 1.97% 0

Pharma Reliance Pharma Fund-Growth Plan-Growth 2.22 584.07 13394 0.84% 0

Pharma Total 13394 0.84% 0Equity Sectoral Total 44704 2.81% 0

Equity -Thematic & Others Infrastructure DSP BlackRock India T.I.G.E.R. Fund - Regular Plan 1.95 1512.55 115360 7.25% 0

Infrastructure Total 115360 7.25% 0

Equity -Thematic & Others Total 115360 7.25% 0

Equity Sum 1547556 97.27% 15000

Hybrid Balanced Equity-oriented Birla Sun Life 95 Fund-Plan B(Growth) 2.24 519.08 14804 0.93% 0


Debt Oriented -MIP & Asset Allo. Debt-oriented Aggressive Birla Sun Life MIP II - Wealth

25 Plan-Plan B (Growth) 2.1 213.1 17176 1.08% 0

Debt-oriented Aggressive Total 17176 1.08% 0

Debt Oriented -MIP & Asset Allo. Total 17176 1.08% 0

Hybrid Sum 31980 2.01% 0

Grand Total 1590960 100.00% 15000



Asset Class Fund Category Fund Sub-Category Scheme Name Expense Ratio Assets 1 Week 15 Day 1 Month 3 Month 6 Month 1 Year 3 Year 5 Year 7 Year 10 Year 1 Year

Return


Debt Debt -Liquid Liquid Birla Sun Life Cash Plus-Retail (Growth) 0.26 12341.67 -- -- --- --- --- --- --- --- --- --- 9.17 0.72%

Liquid Total 0.72%

Debt -Liquid Total 0.72%

Debt Sum 0.72%

Equity Equity Diversified Large & Mid Cap Canara Robeco Equity Diversified-Growth Option 2.25 622.06 2 1 2 1 1 1 1 1 1 --- 0.72 16.14%

Large & Mid Cap Total 16.14%


1.91 2021.09 1 1 1 3 1 1 1 1 --- --- -1.2 15.06%

Mid & Small Cap Total 15.06%

Multi Cap HDFC Equity Fund - Growth Option 1.78 9718.17 3 2 2 3 2 3 1 1 1 1 -7.63 8.44%

Multi Cap Total 8.44%

Tax Planning Birla Sun Life Relief 96 - Growth Option 1.97 1349.42 3 3 3 3 2 4 3 3 3 3 -9.47 0.53%

DSP BlackRock Tax Saver Fund - Growth 2.17 715.53 1 1 2 2 1 2 2 2 --- --- -4.7 1.81%

HDFC TaxSaver-Dividend Plan 1.85 3149.79 4 3 3 4 3 3 1 2 2 1 -7.84 29.80%HDFC TaxSaver-Growth Plan 1.85 3149.79 4 3 3 4 3 3 1 2 2 1 -7.84 1.52%ICICI Prudential Tax Plan-Growth Option 1.98 1295.14 1 1 2 1 2 2 1 1 3 1 -3.77 13.91%

Tax Planning Total 47.57%

Equity Diversified Total 87.21%

Equity Sectoral Banking Reliance Banking Fund-Growth Plan-Growth Option 1.93 1671.49 4 1 1 1 1 3 1 1 1 --- -6.73 1.97%

Banking Total 1.97%

Pharma Reliance Pharma Fund-Growth Plan-Growth 2.22 584.07 1 1 1 1 1 1 1 1 1 --- 2.2 0.84%

Pharma Total 0.84%

Equity Sectoral Total 2.81%

Equity -Thematic & Others Infrastructure DSP BlackRock India T.I.G.E.R. Fund - Regular Plan - Growth 1.95 1512.55 4 4 1 3 3 4 4 4 2 --- -9.78 7.25%

Infrastructure Total 7.25%

Equity -Thematic & Others Total 7.25%

Equity Sum 97.27%

Hybrid Balanced Equity-oriented Birla Sun Life 95 Fund-Plan B(Growth) 2.24 519.08 -- -- --- --- --- --- --- --- --- --- -1.79 0.93%

Equity-oriented Total 0.93%

Balanced Total 0.93%Debt Oriented -MIP & Asset Allo. Debt-oriented Aggressive Birla Sun Life MIP II - Wealth 25

Plan-Plan B (Growth) 2.1 213.1 -- -- --- --- --- --- --- --- --- --- 4.38 1.08%

Debt-oriented Aggressive Total 1.08%

Existing - Mutual Fund Portfolio Analysis : : Scheme Performance RankingSample Financial Plan Report in Excel 30/09/2012



Return


Existing - Mutual Fund Portfolio Analysis : : Scheme Performance Ranking

Hybrid Debt Oriented -MIP & Asset Allo. Total 1.08%

Hybrid Sum 2.01%

Grand Total 100.00%



Asset Class Sum of Proposed Fund Value Rs. Asset Class Sum of Proposed Fund

Value Rs. - %wiseDebt 162539 Debt 8.83%Equity 1330000 Equity 72.24%Hybrid 348573 Hybrid 18.93%Grand Total 1841112 Grand Total 100.00%

Sum of Proposed Fund Value Rs. Asset Class Scheme Type Sum of Proposed Fund

Value Rs. - %wiseScheme Type Debt Equity Hybrid Grand Total Open Ended 100.00%Open Ended 162539 1330000 348573 1841112 Grand Total 100.00%Grand Total 162539 1330000 348573 1841112

Sum of Proposed Fund Value Rs. Asset Class

Fund House Debt Equity Hybrid Grand TotalCanara 210000 210000DSP 190000 190000HDFC 162539 730000 200000 1092539ICICI 200000 200000

Reliance 0 148573 148573 Fund House Sum of Proposed Fund Value Rs. - %wise

Grand Total 162539 1330000 348573 1841112 Canara 11.41%DSP 10.32%HDFC 59.34%ICICI 10.86%Reliance 8.07%Grand Total 100.00%

Proposed - Mutual Fund Portfolio Analysis

8.83%

72.24%18.93%

0.00%

100.00%

Debt Equity Hybrid

Current MF -Asset Allocation

Asset Class

Sum of Proposed Fund Value Rs. - %wise

Canara, 11.41%

DSP, 10.32%

HDFC, 59.34% ICICI, 10.86%

Reliance, 8.07%

Other, 18.93%

AMC wise AllocationSum of Proposed Fund Value Rs. - %wise

100.00%

Scheme Type

Open EndedScheme Type




Asset Class Fund Category Fund Sub-Category Fund House Sum of Proposed Fund Value Rs.


Sum of Proposed SIP OR SWP Amt.

Debt Debt -Liquid Liquid HDFC 162539 8.83% 0Liquid Total 162539 8.83% 0


Equity Equity Diversified Large & Mid Cap Canara 210000 11.41%Large & Mid Cap Total 210000 11.41%

Mid & Small Cap HDFC 250000 13.58% 5500Mid & Small Cap Total 250000 13.58% 5500

Multi Cap HDFC 180000 9.78% 7000Multi Cap Total 180000 9.78% 7000

Tax Planning HDFC 300000 16.29%ICICI 200000 10.86% 3000


Equity -Thematic & Others Infrastructure DSP 90000 4.89%Infrastructure Total 90000 4.89%

Equity -Thematic & Others Total 90000 4.89%Equity Diversified /Index Fund Large Cap DSP 100000 5.43% 0

Large Cap Total 100000 5.43% 0Equity Diversified /Index Fund Total 100000 5.43% 0

Equity Sum 1330000 72.24% 15500Hybrid Balanced Equity-oriented HDFC 200000 10.86% 0


Debt Oriented -MIP & Cap. Prot. Debt-oriented Conservative Reliance 148573 8.07% 0

Debt-oriented Conservative Total 148573 8.07% 0

Debt Oriented -MIP & Cap. Prot. Total 148573 8.07% 0

Hybrid Sum 348573 18.93% 0Grand Total 1841112 100.00% 15500



Asset Class Fund Category Fund Sub-Category Scheme Name Expense Ratio Assets Sum of Proposed Fund Value Rs.


Sum of Proposed SIP OR SWP Amt.

Debt Debt -Liquid Liquid HDFC Liquid Fund-GROWTH 0.18 7494.78 162539 8.83% 0Liquid Total 162539 8.83% 0


Equity Equity Diversified Large & Mid Cap Canara Robeco Equity Diversified-Growth Option 2.25 622.06 210000 11.41%

Large & Mid Cap Total 210000 11.41%


1.91 2021.09 250000 13.58% 5500

Mid & Small Cap Total 250000 13.58% 5500

Multi Cap HDFC Equity Fund - Growth Option 1.78 9718.17 180000 9.78% 7000

Multi Cap Total 180000 9.78% 7000Tax Planning HDFC TaxSaver-Dividend

Plan 1.85 3149.79 300000 16.29%ICICI Prudential Tax Plan-Growth Option 1.98 1295.14 200000 10.86% 3000


Equity -Thematic & Others Infrastructure DSP BlackRock India T.I.G.E.R. Fund - Regular Plan 1.95 1512.55 90000 4.89%

Infrastructure Total 90000 4.89%

Equity -Thematic & Others Total 90000 4.89%

Equity Diversified /Index Fund Large Cap

DSP BlackRock Top 100 Equity Fund - Regular Plan - Growth

1.85 3241.88 100000 5.43% 0

Large Cap Total 100000 5.43% 0Equity Diversified /Index Fund Total 100000 5.43% 0

Equity Sum 1330000 72.24% 15500

Hybrid Balanced Equity-oriented HDFC Prudence Fund - Growth Option 1.79 6040.56 200000 10.86% 0


Debt Oriented -MIP & Cap. Prot. Debt-oriented Conservative Reliance Monthly Income

Plan-Growth Plan 1.56 3617.76 148573 8.07% 0

Debt-oriented Conservative Total 148573 8.07% 0

Debt Oriented -MIP & Cap. Prot. Total 148573 8.07% 0

Hybrid Sum 348573 18.93% 0

Grand Total 1841112 100.00% 15500




Return


Debt Debt -Liquid Liquid HDFC Liquid Fund-GROWTH 0.18 7494.78 -- -- --- --- --- --- --- --- --- --- 9.65 8.83%Liquid Total 8.83%

Debt -Liquid Total 8.83%Debt Sum 8.83%

Equity Equity Diversified Large & Mid Cap Canara Robeco Equity Diversified-Growth Option 2.25 622.06 2 1 2 1 1 1 1 1 1 --- 0.72 11.41%

Large & Mid Cap Total 11.41%


1.91 2021.09 1 1 1 3 1 1 1 1 --- --- -1.2 13.58%

Mid & Small Cap Total 13.58%

Multi Cap HDFC Equity Fund - Growth Option 1.78 9718.17 3 2 2 3 2 3 1 1 1 1 -7.63 9.78%

Multi Cap Total 9.78%Tax Planning HDFC TaxSaver-Dividend Plan 1.85 3149.79 4 3 3 4 3 3 1 2 2 1 -7.84 16.29%

ICICI Prudential Tax Plan-Growth Option 1.98 1295.14 1 1 2 1 2 2 1 1 3 1 -3.77 10.86%

Tax Planning Total 27.16%Equity Diversified Total 61.92%

Equity -Thematic & Others Infrastructure DSP BlackRock India T.I.G.E.R. Fund - Regular Plan - Growth 1.95 1512.55 4 4 1 3 3 4 4 4 2 --- -9.78 4.89%

Infrastructure Total 4.89%

Equity -Thematic & Others Total 4.89%

Equity Diversified /Index Fund Large Cap DSP BlackRock Top 100 Equity Fund - Regular Plan - Growth 1.85 3241.88 4 4 4 4 4 2 2 1 1 --- -4.18 5.43%

Large Cap Total 5.43%Equity Diversified /Index Fund Total 5.43%

Equity Sum 72.24%

Hybrid Balanced Equity-oriented HDFC Prudence Fund - Growth Option 1.79 6040.56 -- -- --- --- --- --- --- --- --- --- -1.75 10.86%

Equity-oriented Total 10.86%Balanced Total 10.86%

Debt Oriented -MIP & Cap. Prot. Debt-oriented Conservative Reliance Monthly Income Plan-Growth Plan 1.56 3617.76 -- -- --- --- --- --- --- --- --- --- 7.32 8.07%

Debt-oriented Conservative Total 8.07%

Debt Oriented -MIP & Cap. Prot. Total 8.07%

Hybrid Sum 18.93%

Grand Total 100.00%

Proposed - Mutual Fund Portfolio Analysis : : Scheme Performance RankingSample Financial Plan Report in Excel 30/09/2012


Holder NameFolio No. Scheme Name

Current NAV Price Sum of Current Fund Value Rs.

Sum of Proposed Fund Value Rs.

Sum of Addition OR Partly / Fully Redemption



Amar Patel 1 Birla Sun Life Relief 96 - Growth Option 10.11 8425 0 -8425 0.53% 0.00%

1 Total 8425 0 -8425 0.53% 0.00%

3 HDFC Equity Fund - Growth Option 261.375 134284 180000 45716 8.44% 9.78%

3 Total 134284 180000 45716 8.44% 9.78%

6 HDFC TaxSaver-Dividend Plan 49.822 451559 300000 -151559 28.38% 16.29%

6 Total 451559 300000 -151559 28.38% 16.29%

10 ICICI Prudential Tax Plan-Growth Option 137.74 221368 200000 -21368 13.91% 10.86%

10 Total 221368 200000 -21368 13.91% 10.86%

12 Reliance Pharma Fund-Growth Plan-Growth 59.1740 13394 0 -13394 0.84% 0.00%

12 Total 13394 0 -13394 0.84% 0.00%

13 Birla Sun Life 95 Fund-Plan B(Growth) 308.16 14804 0 -14804 0.93% 0.00%

13 Total 14804 0 -14804 0.93% 0.00%

14 Birla Sun Life Cash Plus-Retail (Growth) 289.3031 11424 0 -11424 0.72% 0.00%

14 Total 11424 0 -11424 0.72% 0.00%

15Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth)

19.1483 17176 0 -17176 1.08% 0.00%

15 Total 17176 0 -17176 1.08% 0.00%

(blank) HDFC Liquid Fund-GROWTH 21.7518 162539 162539 8.83%

Reliance Monthly Income Plan-Growth Plan

23.6977 148573 148573 8.07%

(blank) Total 311112 311112 16.90%Amar Patel Total 872434 991112 118678 54.84% 53.83%

Sangita Patel 2HDFC MID-CAP OPPORTUNITIES FUND - Growth Option

16.425 239531 250000 10469 15.06% 13.58%

2 Total 239531 250000 10469 15.06% 13.58%

Partywise Mutual Fund Rebalancing ReportSample Financial Plan Report in Excel 30/09/2012


Fund House Asset Class Fund Category Fund Sub-Category Scheme Name Sum of Current Fund Value Rs.


Sum of Addition OR Partly / Fully

Redemption

Sum of Current Fund Value Rs. -

%wise

Sum of Proposed Fund Value Rs. -

%wise

Birla Debt Debt -Liquid Liquid Birla Sun Life Cash Plus-Retail (Growth) 11424 0 -11424 0.72% 0.00%

Debt Sum 11424 0 -11424 0.72% 0.00%

Equity Equity Diversified Tax Planning Birla Sun Life Relief 96 - Growth Option 8425 0 -8425 0.53% 0.00%

Equity Sum 8425 0 -8425 0.53% 0.00%

Hybrid Balanced Equity-oriented Birla Sun Life 95 Fund-Plan B(Growth) 14804 0 -14804 0.93% 0.00%


Debt-oriented Aggressive

Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth)

17176 0 -17176 1.08% 0.00%

Hybrid Sum 31980 0 -31980 2.01% 0.00%Birla Sum 51829 0 -51829 3.26% 0.00%

Canara Equity Equity Diversified Large & Mid CapCanara Robeco Equity Diversified-Growth Option

256848 210000 -46848 16.14% 11.41%

Equity Sum 256848 210000 -46848 16.14% 11.41%Canara Sum 256848 210000 -46848 16.14% 11.41%

DSP Equity Equity Diversified Tax Planning DSP BlackRock Tax Saver Fund - Growth 28733 0 -28733 1.81% 0.00%

Equity -Thematic & Others Infrastructure

DSP BlackRock India T.I.G.E.R. Fund - Regular Plan - Growth

115360 90000 -25360 7.25% 4.89%



100000 100000 5.43%

Equity Sum 144093 190000 45907 9.06% 10.32%DSP Sum 144093 190000 45907 9.06% 10.32%

HDFC Debt Debt -Liquid Liquid HDFC Liquid Fund-GROWTH 162539 162539 8.83%

Debt Sum 162539 162539 8.83%

Equity Equity Diversified Mid & Small CapHDFC MID-CAP OPPORTUNITIES FUND - Growth Option

239531 250000 10469 15.06% 13.58%

Multi Cap HDFC Equity Fund - Growth Option 134284 180000 45716 8.44% 9.78%

Tax Planning HDFC TaxSaver-Dividend Plan 474137 300000 -174137 29.80% 16.29%

HDFC TaxSaver-Growth Plan 24166 0 -24166 1.52% 0.00%

Equity Sum 872118 730000 -142118 54.82% 39.65%

AMCwise Mutual Fund Rebalancing ReportSample Financial Plan Report in Excel 30/09/2012


Fund House Asset Class Fund Category Fund Sub-Category Scheme Name Sum of Current Fund Value Rs.


Sum of Addition OR Partly / Fully

Redemption

Sum of Current Fund Value Rs. -

%wise

Sum of Proposed Fund Value Rs. -

%wise

AMCwise Mutual Fund Rebalancing Report

HDFC Hybrid Balanced Equity-oriented HDFC Prudence Fund - Growth Option 200000 200000 10.86%

Hybrid Sum 200000 200000 10.86%HDFC Sum 872118 1092539 220421 54.82% 59.34%

ICICI Equity Equity Diversified Tax Planning ICICI Prudential Tax Plan-Growth Option 221368 200000 -21368 13.91% 10.86%

Equity Sum 221368 200000 -21368 13.91% 10.86%ICICI Sum 221368 200000 -21368 13.91% 10.86%

Reliance Equity Equity Sectoral BankingReliance Banking Fund-Growth Plan-Growth Option

31310 0 -31310 1.97% 0.00%

Pharma Reliance Pharma Fund-Growth Plan-Growth 13394 0 -13394 0.84% 0.00%

Equity Sum 44704 0 -44704 2.81% 0.00%

Hybrid Debt Oriented -MIP & Cap. Prot.

Debt-oriented Conservative

Reliance Monthly Income Plan-Growth Plan 148573 148573 8.07%

Hybrid Sum 148573 148573 8.07%Reliance Sum 44704 148573 103869 2.81% 8.07%

Grand Total 1590960 1841112 250152 100.00% 100.00%



Asset Class Fund Category Fund Sub-Category Scheme Name Sum of Current Fund Value Rs.





Debt Debt -Liquid Liquid Birla Sun Life Cash Plus-Retail (Growth) 11424 0 -11424 0.72% 0.00%

HDFC Liquid Fund-GROWTH 162539 162539 8.83%

Liquid Total 11424 162539 151115 0.72% 8.83%Debt -Liquid Total 11424 162539 151115 0.72% 8.83%

Debt Sum 11424 162539 151115 0.72% 8.83%

Equity Equity Diversified Large & Mid CapCanara Robeco Equity Diversified-Growth Option

256848 210000 -46848 16.14% 11.41%

Large & Mid Cap Total 256848 210000 -46848 16.14% 11.41%


239531 250000 10469 15.06% 13.58%

Mid & Small Cap Total 239531 250000 10469 15.06% 13.58%

Multi Cap HDFC Equity Fund - Growth Option 134284 180000 45716 8.44% 9.78%

Multi Cap Total 134284 180000 45716 8.44% 9.78%

Tax Planning Birla Sun Life Relief 96 - Growth Option 8425 0 -8425 0.53% 0.00%

DSP BlackRock Tax Saver Fund - Growth 28733 0 -28733 1.81% 0.00%

HDFC TaxSaver-Dividend Plan 474137 300000 -174137 29.80% 16.29%

HDFC TaxSaver-Growth Plan 24166 0 -24166 1.52% 0.00%

ICICI Prudential Tax Plan-Growth Option 221368 200000 -21368 13.91% 10.86%

Tax Planning Total 756828 500000 -256828 47.57% 27.16%Equity Diversified Total 1387492 1140000 -247492 87.21% 61.92%

Equity Sectoral BankingReliance Banking Fund-Growth Plan-Growth Option

31310 0 -31310 1.97% 0.00%

Banking Total 31310 0 -31310 1.97% 0.00%

Pharma Reliance Pharma Fund-Growth Plan-Growth 13394 0 -13394 0.84% 0.00%

Pharma Total 13394 0 -13394 0.84% 0.00%Equity Sectoral Total 44704 0 -44704 2.81% 0.00%

Equity -Thematic & Others Infrastructure

DSP BlackRock India T.I.G.E.R. Fund - Regular Plan - Growth

115360 90000 -25360 7.25% 4.89%

Asset Class & Fund Categorywise Mutual Fund Rebalancing Report



Asset Class Fund Category Fund Sub-Category Scheme Name Sum of Current Fund Value Rs.





Asset Class & Fund Categorywise Mutual Fund Rebalancing Report

Equity Equity -Thematic & Others Infrastructure Total 115360 90000 -25360 7.25% 4.89%Equity -Thematic & Others Total 115360 90000 -25360 7.25% 4.89%



100000 100000 5.43%

Large Cap Total 100000 100000 5.43%Equity Diversified /Index Fund Total 100000 100000 5.43%

Equity Sum 1547556 1330000 -217556 97.27% 72.24%

Hybrid Balanced Equity-oriented Birla Sun Life 95 Fund-Plan B(Growth) 14804 0 -14804 0.93% 0.00%

HDFC Prudence Fund - Growth Option 200000 200000 10.86%

Equity-oriented Total 14804 200000 185196 0.93% 10.86%Balanced Total 14804 200000 185196 0.93% 10.86%


Debt-oriented Aggressive

Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth)

17176 0 -17176 1.08% 0.00%

Debt-oriented Aggressive Total 17176 0 -17176 1.08% 0.00%

Debt Oriented -MIP & Asset Allo. Total 17176 0 -17176 1.08% 0.00%

Debt Oriented -MIP & Cap. Prot.

Debt-oriented Conservative

Reliance Monthly Income Plan-Growth Plan 148573 148573 8.07%

Debt-oriented Conservative Total 148573 148573 8.07%

Debt Oriented -MIP & Cap. Prot. Total 148573 148573 8.07%

Hybrid Sum 31980 348573 316593 2.01% 18.93%Grand Total 1590960 1841112 250152 100.00% 100.00%



Documents

Satish mistry comprehensive personal financial plan