Serial No Year Age

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45

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
2054
2055
2056
2057
2058

34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78

Normal Riskcover
4185450
4377150
4568850
4760550
4952250
5143950
5335650
5527350
5719050
5910750
6102450
6294150
6485850
6677550
6927750
7135425
7343100
7550775
7785000
8035200
8311950
8652600
9147600
9648000
10159200
10009600
9843100
9633800
9363500
9166500
8952200
8714400
8467400
8126500
7752000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000

Accident Riskcover
7380450
7572150
7763850
7955550
8147250
8338950
8530650
8722350
8914050
9105750
9297450
9489150
9680850
9872550
10122750
10330425
10538100
10745775
10980000
11230200
11506950
11847600
12342600
12843000
13354200
12924600
12488100
12028800
11518500
11096500
10672200
10234400
9797400
9276500
8732000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000

Annual Premium
124622
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
122749
109447
97157
86250
76186
67098
58919
51398
44200
37587
31519
0
0
0
0
0
0
0
0
0
0

Tax Saved
30000
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29552
29570
29146
25874
22855
20129
17675
15419
13260
11276
9456
0
0
0
0
0
0
0
0
0
0

46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67

2059
2060
2061
2062
2063
2064
2065
2066
2067
2068
2069
2070
2071
2072
2073
2074
2075
2076
2077
2078
2079
2080
Total
NPV

79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100

3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
0

6% (Assumed as rate of inflation)

3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
3195000
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
3,730,359 933,908
1,691,120 413,541

Net Premium
94622
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
93197
79877
68011
60376
53331
46969
41244
35979
30940
26311
22063
0
0
0
0
0
0
0
0
0
0

Returns from LIC

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
826000
839700
822500
832800
821250
819000
832000
801800
815400
805800
871010
871010
871010
871010
871010
871010
871010
0
0
0

Net Returns
-94622
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
-93197
746123
771689
762124
779469
774281
777756
796021
770860
789089
783737
871010
871010
871010
871010
871010
871010
871010
0
0
0

Surrender Total Loan

Value
Available
0
0
0
0
73173
50388
192316
132786
264469
182652
342001
236326
426032
294649
518057
358776
619814
429936
732847
509183
858900
597768
999935
697085
1156662
807560
1335753
933376
1541039
1077037
1769107
1236694
2018515
1411019
2288594
1599509
2591663
1810867
2921878
2041381
3286391
2296197
3693780
2581761
4148744
2901470
4657646
3260158
5226995
3662100
5148912
3540433
5039305
3389929
4941813
3241201
4834338
3140683
4732774
3040644
4640432
2942912
4559007
2846854
4474447
2800053
4387352
2751657
4300359
2703322
1639035
1110388
1688557
1143938
1737760
1177272
1786644
1210388
1834889
1243072
1882494
1275323
1929141
1306925
1975149
1338094
2020518
1368830
2064609
1398700

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,796,451
1,277,579

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3195000
17,508,320
2,108,261

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3195000

2108061
2150235
2191131
2231069
2269728
2307109
2343532
2378358
2412225
2444814
2477403
2508714
2540664
2572295
2604883
2646419
2682842
2751853
2819268
2974545
3035250
0

Term plan premium

1428137
1456709
1484414
1511470
1537661
1562985
1587661
1611254
1634198
1656275
1678353
1699565
1721210
1742639
1764717
1792855
1817531
1864284
1909955
2015149
2056275
0
417,141
25,543

Serial No Year Age

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42

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
2054
2055
Total
NPV

34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75

Normal Riskcover

Accident Riskcover

3386700
3578400
3770100
3961800
4153500
4345200
4536900
4728600
4920300
5112000
5303700
5495400
5687100
5878800
6129000
6336675
6544350
6752025
6986250
7236450
7513200
7853850
8348850
8849250
9360450
9000850
8631850
8235050
7784750
7419000
7047200
6659400
6269900
5794000
5292000
0
0
0
0
0
0
0

6% (Assumed as rate of inflation)

6581700
6773400
6965100
7156800
7348500
7540200
7731900
7923600
8115300
8307000
8498700
8690400
8882100
9073800
9324000
9531675
9739350
9947025
10181250
10431450
10708200
11048850
11543850
12044250
12555450
11915850
11276850
10630050
9939750
9349000
8767200
8179400
7599900
6944000
6272000
0
0
0
0
0
0
0

Annual Premium

Tax Saved

108003
30001
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
106382
29641
95117
28535
84684
25405
75397
22619
66804
20041
59028
17708
52000
15600
45506
13652
39111
11733
33205
9961
27754
8326
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,239,777 914,965
1,466,774 410,848

Net Premium
78002
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
76741
66582
59279
52778
46763
41320
36400
31854
27378
23244
19428
0
0
0
0
0
0
0
2,324,812
1,055,925

Returns from LIC

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
826000
839700
822500
832800
821250
819000
832000
801800
815400
805800
871010
871010
871010
871010
871010
871010
871010
14,313,320
2,043,848

Net Returns
-78002
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
-76741
759418
780421
769722
786037
779930
782600
800146
774422
792156
786372
871010
871010
871010
871010
871010
871010
871010

Surrender Total Loan

Value
Available
0
0
0
0
62885
43178
177359
122350
244472
168695
316343
218350
393479
271667
476655
329226
567759
392454
668195
462420
779413
540213
903245
627006
1041035
723762
1194411
831651
1365032
951852
1553291
1084648
1759124
1229502
1990315
1390943
2251625
1573102
2535308
1771079
2848021
1989676
3197795
2234954
3588732
2509893
4026537
2818867
4516998
3165648
4355460
2986032
4161333
2777679
3978382
2571399
3784855
2413662
3596746
2256493
3417604
2101937
3249608
1949765
3078035
1846821
2905073
1743044
2733118
1639871
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Term plan premium

577,074
37,904

Serial No Year Age

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42

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
2054
2055
Total
NPV

34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75

Normal Riskcover

Accident Riskcover

4160500
4396000
4631500
4867000
5102500
5338000
5573500
5809000
6044500
6280000
6515500
6751000
6986500
7222000
7536000
7791125
8046250
8301375
8595750
8909750
9263000
9694750
10322750
10950750
11578750
11118250
10692500
10184450
9617750
9165000
8694400
8224800
7719700
7126000
6480000
0
0
0
0
0
0
0

6% (Assumed as rate of inflation)

8085500
8321000
8556500
8792000
9027500
9263000
9498500
9734000
9969500
10205000
10440500
10676000
10911500
11147000
11461000
11716125
11971250
12226375
12520750
12834750
13188000
13619750
14247750
14875750
15503750
14693250
13942500
13119450
12252750
11515000
10784400
10064800
9334700
8526000
7680000
0
0
0
0
0
0
0

Annual Premium

Tax Saved

131447
30000
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
129478
29564
115396
29627
102838
29685
91136
27340
80395
24118
70545
21163
61844
18553
53726
16118
46610
13983
39992
11998
33985
10196
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,935,386 942,317
1,466,774 410,848

Net Premium
101447
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
99914
85769
73153
63796
56277
49382
43291
37608
32627
27994
23789
0
0
0
0
0
0
0
2,993,069
1,055,925

Returns from LIC

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
1032500
1010750
1036350
1041000
1040250
1014000
1040000
1005750
1027700
1018000
1066543
1066543
1066543
1066543
1066543
1066543
1066543
17,732,101
2,043,848

Net Returns
-101447
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
-99914
946731
937597
972554
984723
990868
970709
1002392
973123
999706
994211
1066543
1066543
1066543
1066543
1066543
1066543
1066543

Surrender Total Loan

Value
Available
0
0
0
0
76513
52673
216957
149964
299117
206805
387133
267728
481631
333164
583571
403831
695294
481504
818472
567453
954972
663082
1107053
769839
1276404
888933
1465006
1021786
1675181
1170026
1909104
1335012
2164716
1514884
2450969
1714868
2772833
1939499
3122151
2183567
3507129
2452996
3937830
2755381
4419127
3094253
4958473
3475309
5562953
3903160
5351743
3672547
5131575
3431503
4889286
3164356
4638454
2961874
4382660
2752024
4152684
2555829
3928359
2357016
3734632
2240779
3534915
2120949
3346675
2008005
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Term plan premium

577,074
37,904