Sample Plan by Satish Mistry: Scope of Personal Financial Plan / Financial Objective

Sample Financial Plan Report in Excel 30/09/2012
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 :
Cash Flow Analysis of your current Income -Expense structure and certain assumption of rise-fall in income & expenses, assessment of future situation of cash flow
Analysis
Assessment of emergency funds need through short term 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
Risk
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
Protection adequate Health Insurance including analysis of current General Insurance Policies you have.
Investments
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 Estate plan assessing the financial impact upon death and the disposition.
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Contact : Satish Mistry, Email: moneycarefp@gmail.com 1
Sample Financial Plan Report in Excel
Present Cost of Inflation Effect - Fund to be 30/09/2012
Fund to be
Age at Goal
Financial Goal Particulars Goal Priority Goal OR Target Present Goal Amount
Start
required in Period required for
Goal Amount will rise @Rate OR Year No. of Years
% wise Amt. wise Child Age
High 0 0% 0
Child Future Planning Fund for - Pre-Primary & Primary Education High 50000 10% 12 2013 - To - 2015 3
Fund for - Secondary & Higher Sec. Education High 100000 10% 15 2016 - To - 2019 4
Planning
Fund for - Graduation & Higher Education Optional 100000 10% 19 2020 - To - 2022 3
For-Kevin Fund for - Post Graduation & Master Degree High 500000 10% 22 2023 - To - 2025 3
Fund for - For start in life High 1500000 5% 28 2029 1
Fund for - Marriage Expenses High 300000 6% 30 2031 1
High 0 0% 0
Fund for - Pre-Primary & Primary Education High 50000 10% 12 2013 - To - 2015 3
Planning Fund for - Secondary & Higher Sec. Education High 100000 10% 15 2016 - To - 2019 4
For- Fund for - Graduation & Higher Education Optional 100000 10% 19 2020 - To - 2022 3
Fund for - Post Graduation & Master Degree High 500000 10% 22 2023 - To - 2025 3
Sandhya
High 0 0% 0
Fund for - Marriage Expenses High 300000 6% 30 2031 1
Your Age
Future Financial Goal
Fund for - Need - New Residential House High 3500000 6% 47 2020 1

Fund for - Need - Motor Car Medium 800000 6% 42 2015 1
Fund for - Need - Bike for Kevin Medium 70000 6% 45 2018 1
Fund for - Need - Scooty for Sandhya Medium 55000 6% 48 2021 1
Future Fund for - Need - 2 Computer System Medium 80000 5% 44 2017 1
Need & Fund for - Dream - Farm House & Land Optional 3000000 6% 57 2030 1
Fund for - Need - Home Appliances / Furniture Optional 250000 0% 10000 56 2029 1
Dreams
Fund for - Dream - Create Wealth for Family Optional 5000000 0% 77 2050 1
High 0 0% 0
Fund for - Dream - Foreign Tour Optional 250000 5% 62 2035 - To - 2055 Every 5 Year
Fund for - Dream - Domestic Long Tour Optional 40000 5% 57 2030 - To - 2045 Every 3 Year
Your Age
Retirement
Fund for - Funds to be required to provide regular expenses

Planning
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High 7224450 60 2033 1
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from Retirement year onwards.
Retirement
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Fund for - Medical Expenses High 500000 6% 60 2033 1
Corpus &
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Fund for - Tour - Yatra Medium 1000000 5% 60 2033 1
Provision
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Fund for - Donation / Gift Low 1000000 5% 60 2033 1
Fund for - Reserve Balance Optional 1000000 6% 60 2033 1
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Personal & Family Information

Name : Amar Patel Office Address :
Res.: 0261-12345678 123, xxxxxxxxxxxxxx
Contact No.:
Cell : 9999988888 xxxxxxxxxxxxxxxxxxx
E-mail : amar.patel@moneycarefp.com Location / City : Surat
Sex Male State : Gujarat Country: India
Marital Status : Married Residential Address :
Personal & Family Information
Education : M.Sc. 345, zzzzzzzzzzzzzzzzz
Job / Business? Doing Job zzzzzzzzzzzzzzzzzzzzzzzzz
Working Field : Medical / Pharma Location / City : Surat
Organisation : XYZ Co. State : Gujarat Country: India
If in Job, Started Year 2000 Residential Status : Own
Birth Date : 07/05/1973 Age : 39 Have you a habits of Smoking? Yes
Retirement Planned at Age-Years 60 Have you a habits of chewing Gutkha? Yes
Life Expectancy : Years 80 Have you a habits of drinking alcohol? Yes
Spouse Information
Name : Sangita Patel Working Field : Financial Services
Give Details
If Working,
Education : B.Com. Organisation : ABC. Co.
Birth Date : 16/07/1976 Age : 36 If in Job, Started Year 0
Working Status: Working Retirement Planned at Age-Years 60
Job / Business? Self Employed Life Expectancy : Years 80
Family / Dependant Information

Name Sex Relationship Current Status Health Status Date of Birth Age
Amar Patel Male Self Doing Job Very Good 07/05/1973 39
Sangita Patel Female Spouse / Wife Working Very Good 16/07/1976 36
Maheshbhai Patel Male Father Retired Above Average 05/02/1948 64
Sujataben Patel Female Mother Retired Average 22/11/1951 60
Kevin Male Son Studying Very Good 18/04/2001 11
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Sandhya Female Daughter Studying Very Good 26/02/2006 6
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0 0 0 0 0 0
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Present Situation, Findings & Analysis
Present : Cash Inflow -Outflow Analysis

Present Cash Flow Situation :
Inflow Outflow
Particulars % of Total Housing
Yearly Amount Rs. Income Personal Income Spouse Income Food
Expenses
Current Income : Particulars Amount Rs.
Other Income Personal Particulars
Outflow Expenses
10%
Personal Expenses
Personal Income / Business Income OR Salary Income 620657 64% Personal Expenses 68400
12%
Regular Income
Income 620657 8%
Spouse Income / Business Income OR Salary Income 180000 19% Spouse Income 180000 Housing Expenses 83400
Agriculture Income etc. 150000 16% Other Income Food Expenses 104600 Living
64% 165000
Expenses
House Rent Income 0 Living Expenses 114600
13%
Other Income 0 Health Expenses 52400
Other Income 0 2% 19% Entertainment Expenses 62000
Other Income 0 Investment Loan Repayment 132000 Health

17% Outflow Expenses
Interest Income from Advances / Loan Given 15000 15000 Investment Outflow 257991
29% 6%
965657 Entertainm
Net Total Income : ( Amount Rs.: ) 965657 ent
Loan
Expenses
Cumulative Surplus Repayment
Current Expenses : Outflow %
Regular Expenses
7%
Outflow % Ratio% 15%
Personal Expenses 68400 14%
Basic Surplus : ( Total Income - Total Expenses)
Housing Expenses 83400 17%
As per
700000
Food Expenses Annexure of 104600 22%
Detailed 50%
Living Expenses Expenses 114600 24% 600000
Sheet
Health Expenses 52400 11%
500000
Entertainment Expenses 62000 13%
400000
Total Expenses : ( Amount Rs.: ) 485400
Basic Surplus Basic Surplus : ( Total Income - Total Expenses) 480257 50% 300000
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& Loan Regular Payment towards Loan EMI / Interest Payment 132000 14%
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Repayment 200000
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Total Outflow : 617400 64%
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Net Surplus available for Investments : 348257 36% 100000
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Surplus & Regular Investment Commitment from Surplus Amount : 257991 27%
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Investments
2012
2014
2016
2018
2020
2022
2024
2026
2028
2030
2032
Net Outflow (After Investment Commitment) : 875391 91%
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Net Balance ( + / - ) - C/F to Cash Account : 90266 9%
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Present & Projected - Cash : Inflow -Outflow Analysis
Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash : Net Total Income : ( Amount Rs.: )
3500000
3000000
2500000
2000000
1500000
1000000
500000
0
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
-500000
Regular Investments : Balance C/F to Cash : Net Surplus available for Investments :
700000
600000
500000
400000
300000
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200000
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100000
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0
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2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
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2028
2029
2030
2031
2032
2033
-100000
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Breakup of Outflow Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash :
100%
80%
60%
40%
20%
0%
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
-20%
Breakup of Expenses
Personal Expenses Housing Expenses Food Expenses Living Expenses Health Expenses Entertainment Expenses
100%
90%
80%
70%
60%
50%
40%
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30%
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20%
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10%
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0%
2012
2013
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2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
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2032
2033
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Assets ( Personal & Investments )
For Personal / Family use

Fixed Assets - Outstanding
(Personal / Family Use ) Current Value Appreciation Depreciation Assets bought Wants to use for Assets Worth,
Assets owner? Under Lien? Loan Amount
of Assets Rs. (%) (%) on Loan? goal funding? as of today?
Immovable Properties Rs.
Fixed Assets -
Residential Building / Flat 0 1500000 5% 0% Yes Yes Yes 150183 1349817
Agriculture Land 0 1500000 5% 0% No 0 No 0 1500000
Shop / Office Premises 0 0 5% 0% No 0 0 0 0
Movable Properties
Furniture / Fixtures / Paintings 0 750000 0% 5% No 0 No 0 750000
Home Contents / Appliances 0 200000 0% 5% No 0 No 0 200000
Home Contents / Appliances 0 0 0% 0% No 0 0 0 0
Four Wheelers 0 300000 0% 10% Yes 0 Yes 0 300000
Four Wheelers 0 0 0% 0% No 0 0 0 0
Two Wheelers 0 35000 0% 10% Yes 0 Yes 22629 12371
Two Wheelers 0 0 0% 0% No 0 0 0 0
Two Wheelers 0 0 0% 0% No 0 0 0 0
Jewellery / Gold Ornaments 0 250000 6% 0 0 Yes 250000
Fixed Assets
Appreciation Depreciation
( Investments Purpose Only )
Investment Purpose
(%) (%)
Immovable Properties
Additional Residence / Flat
Fixed Assets -
0 0 5% 0% No 0 0 0 0
Commercial Land 0 0 5% 0% No 0 0 0 0
Agriculture Land 0 0 5% 0% No 0 0 0 0
Holiday Home / Farm House 0 0 5% 0% No 0 0 0 0
Shop / Office Premises 0 1000000 5% 0% No 0 0 0 1000000
Any Others 0 0 5% 0% No 0 0 0 0
Movable Properties
Gold / Silver / Ornaments 0 350000 6% 0% 0 Yes 350000
Gold / Silver / Ornaments 0 100000 6% 0% 0 Yes 100000
Gold / Silver / Ornaments 0 0 6% 0% 0 0 0
Total Amount Rs.: 5985000 172812 5812188
Summary :
Assets worth &
Immovable Properties 3000000 150183 2849817

Personal
Liabilities
Movable Properties 1535000 22629 1512371

Purpose only
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Total Amount Rs.:
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4535000 172812 4362188
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Immovable Properties 1000000 0 1000000
Investment
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Movable Properties 450000 0 450000
Purpose only
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Total Amount Rs.: 1450000 0 1450000
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Fixed Assets : : Grand Total Rs.:: 5985000 172812 5812188
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Investments
Future Future Surrender Fixed OR Weighted
Current Current
Asset Type Asset Category Scheme Category Investment Investment Income from Value / Cash Estimated Average Rate of
Value Return (%)
Allocation (%)
Return (%)
Commitment Investment Value
Cash & Equivelant

Cash Cash Account Cash Account + Savings A/c. Balance 225668 225668 4.00%
Bank FDR Bank Fixed Deposit : < 1 Year 120000 114000 8.00%
Mutual Funds Debt -Liquid 11424 11195 8.00%
- 357092 - - 350863 5.95% 5.47%
Fixed Return Schemes
Bank & Company FDR / NCD's
Debt Bank FDR Bank Fixed Deposits > 1 Year 100000 106660 - - 95994 8.16%
Bonds / NCD's & Co. FD's Company FD's 135000 137371 - 45943 123634 10.49%
Bonds & NCD's 250000 254064 - 40050 228657 10.42%
485000 498094 - 85993 448285 8.30% 9.96%
Post Office Schemes
Debt Post Office Scheme Post Office Recurring Deposit Scheme 65500 80297 24500 - 72267 7.95%
Senior Citizen Savings Scheme 150000 150000 - 50625 135000 9.00%
Post Office Monthly Income Scheme 350000 350000 - 106833 315000 8.14%
Kisan Vikas Patra 35000 37402 - - 33662 8.41%
National Savings Certificates 80000 86073 - - 77466 8.62%
Post Office - Time Deposits 25000 26746 - - 24072 8.56%
705500 730518 24500 157458 657467 12.18% 8.38%
Direct Equity
Equity Stock Market Direct Equity - 86304 - - 64728 18.00% 1.44% 18.00%
Mutual Fund
Equity Mutual Funds Equity - Diversified - 630663 5796000 - 567597 15.00%
Equity - Diversified -ELSS - 756828 2142000 - 681146 15.00%
Equity - Sectoral - 44704 - - 40234 15.00%
Equity - Thematic & Others - 115360 - - 103824 15.00%
Hybrid Hybrid Fund - Balanced - 14804 - - 13324 12.55%
Hybrid Fund - Asset Allocation/Others - - - - - 10.00%
Hybrid Fund - MIP - 17176 - - 15458 9.40%
Debt Debt -Short Term, Income & G. Sec. - - - - - 8.00%
- 1579536 7938000 - 1421583 26.33% 14.92%
Gold / Silver ( ETF / Coins / Bars )
Gold Mutual Funds Gold Funds / ETF - - - - - 8.00%
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Gold / Silver- ( Coins / Bars / Ornaments) 450000 405000 6.00%
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- 450000 - - 405000 7.50% 6.00%
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Real Estate
Properties Properties Investment Real Estate & Other Properties 1000000 800000 5.0% 16.67% 5.00%
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Retirement Fund
Debt Retirement Fund Retirement A/c. - Contribution (EPF / EPS) 315000 1710720 - 9.50%
Post Office Scheme Public Provident Fund 85000 124000 147000 - - 8.00%
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85000 439000 1857720 - - 7.32% 9.08%
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Investments
Future Future Income Surrender
Asset Type Asset Category Scheme Category Investment Current Value Investment from Value / Cash IRR (%)
Commitment Investment Value
Traditional Life Insurance / Pension Plan
Debt Life Insurance Single Prem.-Traditional Life Ins.Plan 50000 92125 - - 53213 4.80%
Single Prem.-Traditional Pension Plan 45000 81500 - - 73350 3.93%
Reg. Prem. -Traditional Life Insurance Plan 218966 343466 175185 37500 150004 4.78%
Reg. Prem.-Traditional Pension Plan 51600 96600 77400 - 38418 5.71%
365566 613691 252585 37500 314984 10.23% 4.81%
Unit Linked Life Insurance / Pension Plan
Equity Life Insurance Single Prem.-Unit Linked Insurance Plan 50000 53000 - - 51000 4.49%
Reg. Prem.-Unit Linked Insurance Plan 50000 30000 - - 20000 -4.23%
Single Prem.-Unit Linked Pension Plan 50000 53000 - - 51000 4.49%
Reg. Prem.-Unit Linked Pension Plan 60000 108000 90000 - 91000 5.03%
210000 244000 90000 - 213000 4.07% 3.66%
5998235 10162805 280951 4675909 100.00%
Your Investment Portfolio is growing @pre-tax return (Weighted Average Return)

8.95%
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Current Asset Allocation Analysis :

2500000
Equity
32%
2000000
Debt
1500000 38%
1000000
Gold
7%
500000
Properties
0 Cash 17%
Cash Debt Equity Gold Properties
6%
Current Value 357092 2300226 1890918 450000 1000000
Surrender Value 350863 1437765 1682281 405000 800000 Cash Debt Equity Gold Properties
1800000 Post Office Scheme

Bonds / NCD's &
14%
1600000 Co. FD's
7%
Stock Market Life Insurance
1400000 1% 14%
1200000
1000000
Physical Gold /
Funds / ETF
800000 Mutual Funds 7%
27%
600000
400000 Properties
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Investment
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200000 17%
Bank FDR
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Cash Account Retirement Fund
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4%
0 4% 5%
Physical Properti
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Bonds / Post Life Retirem
Cash Bank Mutual Stock Gold / es
NCD's & Office Insuranc ent
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Account FDR Funds Market Funds / Investm
Co. FD's Scheme e Fund
ETF ent Cash Account Bank FDR Mutual Funds
Current Value 225668 226660 1590960 86304 391434 854518 857691 450000 1000000 315000 Stock Market Bonds / NCD's & Co. FD's Post Office Scheme
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Life Insurance Physical Gold / Funds / ETF Properties Investment
Surrender Value 225668 209994 1432778 64728 352291 657467 527984 405000 800000 0
Retirement Fund
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Present - Life Insurance Coverage - Details & Analysis

Required Life Insurance Cover as of today : Existing Life Insurance Cover Details :
Future Rate of Return in case of Death Claim Basic Sum Paid Up Value Pension Plan
As per Income Scheme Type Present Death Benefit Value Rs.
occurs as of today : Assured of Policy Value Rs.
Replacement Concept
15% 12% 9% Traditional Plan Amar Patel Sangita Patel Others
For - Amar Patel 4001168 4808964 5931571 Single Prem.-Life Insurance 55000 92125 - - - -
For - Sangita Patel 2597390 3475681 4852087 Single Prem.-Pension Plan - - 50000
Reg. Prem.-Life Insurance 325000 344250 68000 86000 306952 -
Reg. Prem.-Pension Plan - 95000 125000
As per Expense
4709879 6012848 7930579 380000 436375 68000 86000 401952 175000
Replacement Concept Unit Linked Plan
Single Prem.-Life Insurance 60000 - - 60000 - -
Reg. Prem.-Life Insurance 200000 200000 - - #DIV/0! -
As Per Need Analysis Single Prem.-Pension Plan - - 60000
Current Year / Immediate Exp. Reg. Prem.-Pension Plan - #DIV/0! 200000
770777 770777 770777
& Need + O/s. Liabilities 260000 200000 - 60000 #DIV/0! 260000
Future Family Expenses
4709879 6012848 7930579
( As above) - - - -
Pure Life Cover Term
- - - -
All Future Need for Child 3332765 4619978 6574935 Plan - - - -
All Other Future Need for - - - -
2609236 3134164 3800793
Family
Required Total Life
Insurance @various 11422657 14537767 19077084 Total Amount Rs. 640000 636375 68000 146000 #DIV/0! 435000
scenario
Less :
Present Value of Spouse /
Other Income in Future
4540286 5838038 7765956 Life Insurance Need @various concept & scenario
25000000
Required Net Life Insurance
6882371 8699729 11311128
Cover 20000000 @Return : 15% @Return : 12% @Return : 9%
Less : As per15000000
Income replacement 4001168 4808964 5931571
Available Resources As per Expenses replacement 4709879 6012848 7930579
10000000
Surrender Value of All As per Need Analysis 11422657 14537767 19077084
4495138 4495138 4495138
Investments 5000000
Shortfall (If any) - As per Need Analysis
-1750858 -3568216 -6179615
Existing Death Benefit 0
Coverage - through Life 636375 636375 636375
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Insurance -5000000
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Available life cover shield
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-10000000
through Investments & Life 5131513 5131513 5131513 @Return : 15% @Return : 12% @Return : 9%
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Insurance As per Income replacement 4001168 4808964 5931571
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As per Expenses replacement 4709879 6012848 7930579
Shortfall of Life Insurance As per Need Analysis 11422657 14537767 19077084
1750858 3568216 6179615
Coverage (if any)
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Shortfall (If any) - As per Need Analysis -1750858 -3568216 -6179615
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Present - Outstanding Loan Liabilities Details :

Outstanding -
Outstanding Outstanding Outstanding -
Interest rate EMI Amount Interest
Sr_No. Assets Name Loan for? Loan Balance Period in Total Amount
today onwards Rs. Amount to be
Rs. Months to be paid
paid
1 Residential Building / Flat Personal Assets 150183 63 9.00% 3000 38817 189000
2 Two Wheelers Personal Assets 22629 12 11.00% 2000 1371 24000
3 Credit Card Outstanding's For Expenses / Other Need 63167 48 36.00% 2500 56833 120000
4 Credit Card Outstanding's For Expenses / Other Need 43665 36 36.00% 2000 28335 72000
5 Loan from Friend's / Relatives For Expenses / Other Need 100000 0 0.00% 0 0 0
6 0 0 0 0 0.00% 0 0 0
7 0 0 0 0 0.00% 0 0 0
8 0 0 0 0 0.00% 0 0 0
9 0 0 0 0 0.00% 0 0 0
10 0 0 0 0 0.00% 0 0 0
11 0 0 0 0 0.00% 0 0 0
12 0 0 0 0 0.00% 0 0 0
13 0 0 0 0 0.00% 0 0 0
14 0 0 0 0 0.00% 0 0 0
15 0 0 0 0 0.00% 0 0 0
379644 9500 125356 405000
Loan Ratio - for Continue Existing Loan Loan Ratio - Continue Existing Loan with Planned Future Loan
Loan Ratio - with Self Earning Loan Ratio - with Total Income Loan Ratio - with Self Earning Loan Ratio - with Total Income
30% 40%
35%
25%
30%
20%
25%
15% 20%
15%
10%
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10%
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5%
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5%
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0% 0%
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Net Worth Statement

Immediate
Current Outstanding
Fixed Assets Valuation Rs.
Liquidation Loan Payment Liabilities Loan Amt. Rs.
Value Rs.
For Personal & Family use 4535000 3628000 For Fixed Assets : Personal Purpose 172812
( Indluding Immovable & Movable Properties) ( Land / Building /Flats /Vehicles/Home contents Etc.)
Total : Fixed Assets :: Rs.: 4535000 3628000 For Investment Purpose : Real Estate / Properties 0
Current Surrender
Financial Investments Valuation Rs. Valuation Rs.
Outstanding Loan : On Fixed Assets -Rs.: 172812
Liabilities
Assets
Cash & Equivelant 357092 350863 Outstanding
Payment Liabilities for Expenses type Loan Loan Amt. Rs.
Bank & Company FDR / NCD's 498094 448285
Post Office Schemes ( Excluding - PPF A/c.) 730518 657467
Direct Equity Loan Payment - EMI Mode -
Net Worth Statement
86304 64728
106831
Mutual Fund -( Excluding - Liquid Fund/Gold ETF) 1579536 1421583 ( Personal Loan + Credit Card )
Gold / Silver ( ETF / Coins / Bars ) 450000 405000
Real Estate 1000000 800000
Loan from relatives / friends - Regular / Cum. Interest 100000
Retirement Fund - ( EPS / EPS / PPF) 439000 0
Traditional Life Insurance / Pension Plan 613691 314984
Unit Linked Life Insurance / Pension Plan 244000 213000
Outstanding Loan :
Total : Financial Investments :: Rs.: 5998235 4675909 206831
Advances to Friends / Relatives / Others 100000 100000
(For Expenses & Other Need) -Rs.:
Grand Total :: Assets :: Amount Rs.: 10633235 8403909 Grand Total : Liabilities :: Amount :: Rs.: 379644
Less : Outstanding Loan Liabilities 379644 379644

Assets - Liabilities -(% wise)
100%
Present Net Worh :: Amount Rs.: 10253592 8024266
90%
80%
Net Worth Analysis : 70%
12000000 60%Particulars Current Value Rs.:
Surrender Value Rs.:
Particulars Current Value Rs.:
Surrender Value Rs.:
10000000 Assets 10633235 8403909 50%Assets 10633235 8403909
8000000 Liabilities 379644 379644 40%Liabilities 379644 379644

Net Worth 10253592 8024266 30%
6000000
4000000
20%
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10%
2000000
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0%
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0 Current Value Rs.: Surrender Value Rs.:
Assets Liabilities Net Worth
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Current Value Rs.: 10633235 379644 10253592 Liabilities 379644 379644
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Surrender Value Rs.: 8403909 379644 8024266 Assets 10633235 8403909
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Savings to Income Ratio : Current Value Method / Formula to arrive ratio : (Current Investment Value / Current Income)
Current Value of your Savings / Investments is Rs. 5998235
Your Annual Income

Self +Spouse Income Rs. 800657 7.49 Your Savings /Investments are 7.49 times of your Annual Income -(Self + Spouse Income)
Total Income (Excl. Interest / Div. Income) Rs. 950657 6.31 Your Savings /Investments are 6.31 times of your Total Annual Income
Debt to Income Ratio : Current Value Method / Formula to arrive ratio : (Current Financial Obligation OR Liabilities / Annual Income)
Current Value of your O/s. Payment Liabilities 379644
Your Annual Income

Self +Spouse Income Rs. 800657 0.47 Your Debt to Income Ratio is 0.47 with your Annual Income -(Self + Spouse Income)
Total Income (Excl. Interest / Div. Income) Rs. 950657 0.40 Your Debt to Income Ratio is 0.40 with your Total Annual Income.
Savings Rate to Income Ratio : Current Value Method / Formula to arrive ratio : (Total Annual Savings / Investment Commitment / Annual Income)
Total Annual Savings / Investment Commitment Rs. 257991 ( EPF Contribution (if any) + Regular Investment Commitment)
Your Annual Income is
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Self +Spouse Income Rs. 800657 32% Your Savings Rate Ratio is 32% with your Annual Income -(Self + Spouse Income)
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Total Income (Excl. Interest / Div. Income) Rs. 950657 27% Your Savings Rate Ratio is 27% with your Total Annual Income
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Basic Liquidity Ratio : Current Value Method / Formula to arrive ratio : (Total Liquid Assets / Monthly Outflow of Expenses & Loan EMI )
Liquid Asset -( Cash +Liquid Funds+FDR<1 Year) 357092
Your Annual Outflow Monthly Amt.
Yearly Expenses Amount Rs. 485400 40450
Total Annual Payment of EMI + Interest 132000 11000
51450 6.94
Your have 6.94 months of instant liquid balance to sustain routine expenses.
(Surrender Value of Investments / Monthly Outflow of Expenses & Loan EMI

Expanded Liquidity Ratio : Current Value Method / Formula to arrive ratio :
)
Surrender / Liquidity -Value of Investments -Rs. 4675909
Your Annual Outflow Monthly Amt.
Yearly Expenses Amount Rs. 485400 40450
Total Annual Payment of EMI + Interest 132000 11000
51450 90.88 Your have 90.88 months of provision to sustain living standard, if unable to earn on
regular basis.
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Liquid Assets Coverage Ratio : Current Value Method / Formula to arrive ratio : ( Total Liquid Assets / Total Debt )
Liquid Asset -( Cash +Liquid Funds+FDR<1 Year) 357092
Total Debt / O/s. Liabilities 379644 0.94

Your Liquid Assets Coverage Ratio is 0.94
Solvency Ratio : Current Value Method / Formula to arrive ratio : (Surrender Value of Investments / Total O/s. Liabilities )
Surrender / Liquidity -Value of Investments -Rs. 4675909
Total Debt / O/s. Liabilities 379644 12.32

Your Assets is 12.32 times of debt available to repay your debt.
(Cur. value of Investment - liabilities + Death Benefit by Life Ins./ Annual

Life Insurance Coverage Ratio : Current Value Method / Formula to arrive ratio :
Income )
Value of Investments (Excl.- LI Policy) - Liabilies + Death 5657996
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Benefit of Life Ins. Policy
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Your Annual Income - Rs. 620657 9.12
Your Assets + Death Benefit is covering your annual income is 9.12 times.
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Sa ple
By m
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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.
Wants to
I wish to provide Life Insurance cover to my family for following Present Cost of Inflation Effect - Fund to be Fund to be Protect Need & Different Rate of Return, Scenario of Future Cash
Goal OR Target Present Goal Amount will rise required in required for No. Provide Life Flow in your absence & Provide Financial Shelter
future needs & liabilities. Goal Amount @Rate Period OR Year of Years Cover to your Family
Yes /No.
% wise Amt. wise 15% 12% 9%
Expenses for
Housing Expenses 83400 6% 0 2013 - to - 2033 21 Yes
Family
Future Family
Food Expenses 104600 8% 0 2013 - to - 2033 21 Yes
Living Expenses 114600 7% 0 2013 - to - 2033 21 Yes 4709879 6012848 7930579
Expenses Health Expenses 52400 10% 0 2013 - to - 2033 21 Yes
Entertainment Expenses 62000 10% 0 2013 - to - 2033 21 Yes
% wise Amt. wise
0 0% Yes
Fund for - Pre-Primary & Primary Education 50000 10% 2013 - To - 2015 3 Yes
Child Future Planning
Fund for - Secondary & Higher Sec. Education 100000 10% 2016 - To - 2019 4 Yes
Planning
Fund for - Graduation & Higher Education 100000 10% 2020 - To - 2022 3 Yes 1915908 2576740 3543851
For-Kevin Fund for - Post Graduation & Master Degree 500000 10% 2023 - To - 2025 3 Yes
Fund for - For start in life 1500000 5% 2029 1 Yes
Fund for - Marriage Expenses 300000 6% 2031 1 Yes
Fund for -- Child Care Expenses Yes
Fund for -- Pre-Primary & Primary Education 50000 6% 2013 - To - 2020 8 Yes
Planning Fund for -- Secondary & Higher Sec. Education 100000 6% 2021 - To - 2024 4 Yes
For- Fund for -- Graduation & Higher Education 100000 10% 2025 - To - 2027 3 Yes 1416858 2043238 3031083
Sandhya Fund for -- Post Graduation & Master Degree 500000 10% 2028 - To - 2030 3 Yes
0 0% Yes
Fund for -- Marriage Expenses 500000 6% 2032 1 Yes
Future Financial
Need - Fund for - New Residential House 3500000 6% 2020 1 Yes

Need - Fund for - Motor Car 800000 6% 2015 1 Yes
Goal
Future Need - Fund for - Bike for Kevin 70000 6% 2018 1 Yes
2609236 3134164 3800793
Need Need - Fund for - Scooty for Sandhya 55000 6% 2021 1 Yes
Need - Fund for - 2 Computer System 80000 5% 2017 1 Yes
Need - Fund for - Home Appliances / Furniture 250000 0% 10000 2029 1 Yes
Gross Life Insurance Cover for Future Need : Amount Rs. :: 10651880 13766990 18306307
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Spouse Income -( Subject to Life Insurance Cover available ) Yes
Less :
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4430286 5728038 7655956
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Other Income Agriculture Income etc. Yes
Total Income from other sources Yes
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Total Life Insurance required for future need : Amount Rs. : 6221594 8038952 10650351
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B / F => Total Life Insurance required for future need : Amount Rs. : 6221594 8038952 10650351
Required Wants to Required

Add : Present OR Immediate Need / Particulars Amount Rs. Protect Need?
Present OR Immediate Need / Particulars
Amount Rs.
Loan Outstanding Loan Liabilities -
379644 N.A. Misc. Need 250000
Repayment For Assets & Cash Loan
Amount required for
Housing Expenses 22800 Yes 0 0
Immediate Need OR in Food Expenses 27800 Yes
Other 0 0
Current Year - Family Need
Living Expenses 34867 Yes 0 0
i.e. in 2012 Expenses Health Expenses 38200 Yes 0 0
Entertainment Expenses 17467 Yes 0 0
Total required Amount Rs.: 520777 Total required Amount Rs.: 250000
770777
Less : Present OR immediate income from spouse & other income 110000
Total Life Insurance Cover for Present Need : Amount Rs. :: 660777 660777 660777
Gross Life Insurance required to protect all need of your family in your absence : (@ various rate ) :: 6882371 8699729 11311128
12% <== Select future Interest Rate on Lump sum Investment from life insurance claim amount to provide a shelter to family
Life Insurance Death Claim
Cash Flow Statement
Present & Future Need to Family in your absence Less : Future Income
Life Insurance To cover future To cover future Current & Net Amount
Spouse Income Interest on Closing
to be required / Family Outstanding expenses : expenses : Future Financial to be required
Sr. Year Your Age Spouse Age (Subject to Life Other Income Balance Amt. Balance
Opening Expenses Loan Liabilities Planning For- Planning For- Needs for in future
Ins.Cover )
Balance Kevin Sandhya Family
1 2012 39 36 8699729 141133 379644 250000 60000 50000 660777 964674 9003627
2 2013 40 37 9003627 449834 55000 53000 0 197773 180000 180061 1058828 9882394
3 2014 41 38 9882394 485343 60500 56180 0 215513 196500 190010 1163086 10855470
4 2015 42 39 10855470 523753 66550 59551 952813 235038 214650 1152979 1164299 10866790
5 2016 43 40 10866790 565308 146410 63124 0 256297 234615 283930 1269943 11852804
6 2017 44 41 11852804 610275 161051 66911 102103 280818 256577 402945 1373983 12823842
7 2018 45 42 12823842 658942 177156 70926 99296 307324 280734 418262 1488670 13894249
8 2019 46 43 13894249 711625 194872 75182 0 335927 307308 338443 1626697 15182503
9 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 11080476
11 2022 49 46 11080476 897340 259374 179085 0 466874 389061 479864 1272073 11872685
12 2023 50 47 11872685 969820 1426558 189830 0 512160 427968 1646081 1227193 11453797
13 2024 51 48 11453797 1048355 1569214 201220 0 558232 470764 1789792 1159681 10823685
14 2025 52 49 10823685 1133467 1726136 345227 0 608905 517841 2078084 1049472 9795073
15 2026 53 50 9795073 1225724 0 379750 0 664649 569625 371200 1130865 10554739
16 2027 54 51 10554739 1325744 0 417725 0 725959 626587 390923 1219658 11383474
17 2028 55 52 11383474 1434202 0 2297486 0 793404 689246 2249039 1096132 10230568
18 2029 56 53 10230568 1551831 3438027 2527235 420000 867595 758171 6311328 470309 4389549
19 2030 57 54 4389549 1679430 0 2779959 0 949120 833988 2676281 205592 1918860
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20 2031 58 55 1918860 1817871 907680 0 0 1028589 917386 779576 136714 1275997
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21 2032 59 56 1275997 1968103 0 1603568 0 1115994 1009125 1446552 -20466 -191021
tis Pla
22 2033 60 57 -191021 2131160 0 0 0 1212143 1110037 -191021 0 0
is
23 2034 61 58 0 0 0 0 0 0 0 0 0 0
M
24 2035 62 59 0 0 0 0 0 0 0 0 0 0
25 2036 63 60 0 0 0 0 0 0 0 0 0 0
Sa ple
26 2037 64 61 0 0 0 0 0 0 0 0 0 0
27 2038 65 62 0 0 0 0 0 0 0 0 0 0
28 2039 66 63 0 0 0 0 0 0 0 0 0 0
By m
29 2040 67 64 0 0 0 0 0 0 0 0 0 0
30 2041 68 65 0 0 0 0 0 0 0 0 0 0
Sa
31 2042 69 66 0 0 0 0 0 0 0 0 0 0

Available Life Insurance Coverage through existing Life Insurance Policies With Coverage through Existing Assets Value
Exis ng Life Insurance Coverage -Death Beneﬁt Value Rs. 636375

For : Amar Patel
Basic Sum Present Death Paid Up Value of Surrender Value
Schem Category / Particulars Current Value Add :
Assured Benefit Value Policy Rs.
Traditional Life Insurance Plan
Reg. Prem. -Traditional Life Insurance Plan 225000 344250 249178 224286 107559
Existing Investment Value Rs. :
Single Premium -Traditional Life Insurance Plan 55000 92125 92125 - 53213
280000 436375 341303 224286 160771

Investment Instrument Current Value Surrender Value Select Option
Unit Linked Life Insurance Plan Cash Account 225668 225668

Reg. Prem.-Unit Linked Insurance Plan 200000 200000 30000 33000 20000 Bank FDR 226660 209994
Single Premium -Unit Linked Insurance Plan - - - - - 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
Surrender
- - Post Office Scheme 854518 657467 4495138
Value >>
- - Other Life Ins. & Pension Plan 486388 347213
- - Physical Gold / Funds / ETF 450000 405000
- - Properties Investment 1000000 800000
Retirement Fund 315000 0
Total Amount Rs.: 480000 636375 371303 257286 180771 Present available coverage to family - Amount Rs.: 5131513
14000000
For : Sangita Patel 12000000
Basic Sum Present Death Pension Plan Surrender Value 10000000
Schem Category / Particulars Current Value
Assured Benefit Value Value Rs. Rs. Particulars
8000000 @Return : 15% @Return : 12% @Return : 9%
Traditional Life Insurance Plan Reqired
6000000Life Ins. Cover 6882371 8699729 11311128
Reg. Prem. -Traditional Life Insurance Plan 50000 68000 24400 14667 8275 Exsting
4000000Life Ins. Cover 5131513 5131513 5131513
Single Prem. -Traditional Life Insurance Plan - - - - - Shortfall
2000000(if any) -1750858 -3568216 -6179615
50000 68000 24400 14667 8275 0
Unit Linked Life Insurance Plan -2000000
Reg. Prem.-Unit Linked Insurance Plan - - - - - -4000000
Single Premium -Unit Linked Insurance Plan - - - - - -6000000
- - - - - -8000000
Life Insurance - Pure Term Plan @Return : 15% @Return : 12% @Return : 9%
- - Reqired Life Ins. Cover 6882371 8699729 11311128
- - Exsting Life Ins. Cover 5131513 5131513 5131513
- - Shortfall (if any) -1750858 -3568216 -6179615
- -
Gross Life Insurance Need to 15% 12% 9%

Total Amount Rs.: 50000 68000 24400 14667 8275
Family : (As above Calculated) 6882371 8699729 11311128
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Required Life Insurance Coverage : 15% 12% 9%
Existing available coverage to
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5131513 5131513 5131513
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As per Income Replacement Strategy : 2597390 3475681 4852087
family - Amount Rs.
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Available Life Insurance Coverage : 68000 68000 68000
Sa ple
Additional Life Insurance cover to be
Additional Life Insurance Cover to be required required to protect your family in
By m
2529390 3407681 4784087 1750858 3568216 6179615
for : Sangita Patel your absence :
Sa
15182503
Required V/s. Available -Life Insurance Cover Analysis
13894249
12823842
16000000
11872685
11852804
11453797
11383474
11080476
10866790
10855470
10823685
14000000
10554739
10466155
10230568
9882394
9795073
12000000
9003627
8699729
10000000
8000000
4389549
6000000
1918860
1275997
4000000
2000000
0
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032
Available Life Ins. Cover Shortall in Life Ins. Cover Required Life Ins. Cover
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
6311328
5837721
7000000
6000000
5000000
4000000
2676281
2249039
2078084
1789792
3000000
1646081
1446552
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1152979
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2000000
779576
660777
tis Pla
572873
479864
418262
402945
390923
is
371200
338443
283930
190010
180061
1000000
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Sa ple
0
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032
-1000000
By m
Sa
Findings from your Risk Analysis

1 Your age is : 30 - 40
2 Your current annual take-home income is : between Rs.500,000 and Re.10,00,000
3 The number of years you have until retirement is : 15 years or more
4 Your present job or business is : Is relatively secure
5 What is your expectation of how your future earnings would be : It would keep pace with inflation
6 How would you describe yourself as a risk-taker? low risk taking capability
7 How good is your knowledge of finance? I'm proficient in finance
If you lose your job or stop working today, how long do you think your savings can
8 6 months to 1 year
support you
9 If you had Rs.50,000 to invest, which of the following choices would you make ? Invest the money in Mutual Funds
10 You have a market tip on the price appreciation of a certain scrip, you : Do some enquiry and analysis and then decide
You are on a TV game show and you win Rs.10,000. You have a choice to keep the
11 Risk the Rs.10,000 on a 50% chance of winning Rs.30,000
money or risk it to win a higher amount. You :
Which one of the following best describes your feeling immediately after making an
12 Are satisfied and content with the decision
investment, you :
The stock market has dropped 25% and a share that you own also dropped 25%, but
13 Sell some of them
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
14 invest the money in Open ended Equity Oriented Mutual Fund
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
15 2 to 3 persons besides youself
spouse's income)
Your risk analysis from above questionnaire
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Result of Risk Analysis
Your risk profile is suggest that you are a -
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Risk Capacity High
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Risk Behaviour Balanced - (Medium Risk) Balanced - (Medium Risk) - type of investor
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Aggregate Balanced - (Medium Risk)
By m
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Goal Mapping & Funding - with Future Need & Investment Cash Flow - Calculation
With Existing Investment Portfolio

Finding from Your Risk Analysis Non Maturity based Investment Portfolio Existing Expected
Calculation of Required Emergency Fund. ( i. e. Direct Equity + Mutual Fund) Portfolio Return (%)
Particulars Current Value Cash / S.B. A/c. / Bank FDR <1 Year 345668 5%
Risk Analysis
Risk Capacity High
Regular Expenses 485400 Debt -Liquid 11424 8%
Loan EMI Amount 132000 Debt -Short Term, Income & G. Sec. 0 8%
Emergency Fund - Risk Behaviour Balanced - (Medium Risk)
Regular Investment Commitment 257991 Direct Equity 86304 18%
Should be kept in form of Cash Equity - Diversified
Total Yearly Outflow Amount Rs. 875391 630663 15%
& Equivalent
Advice to kept emergency For Months Aggregate Balanced - (Medium Risk) Equity - Diversified -ELSS 756828 15%
fund in Cash or Equivalent 291797 Equity - Sectoral 44704 15%
for the Month Nos. >>>> 4 Equity - Thematic & Others 115360 15%
Hybrid Fund - Balanced 14804 13%
Your risk profile is suggest that you are a - Hybrid Fund - Asset Allocation/Others 0 10%
Also required fund in Cash & Equivalent Total Amount to be required in Current
for Current Year Requirements ( If any) Year ( i.e. in Year )
250000 Balanced - (Medium Risk) - type of investor Hybrid Fund - MIP 17176 9%
Gold Funds / ETF 0 8%
Total Amount & Weighted Avg. Return 2022932 13.38%
Post Tax Rate of Return - Assumption

Financial Concerns Future Need - Period breakup with required Rate of Return Non Maturity based Expected
Investment Portfolio Existing Portfolio Wighted
Inflation Extremely Concern Post Tax -
For - Pre - Retirement Period : Period (Years) : ( i. e. Direct Equity + Mutual Portfolio Weightage Average
Tax Relief/advantage Slightly Concern Return Select Fund) Return (%)
Safety/ Security Slightly Concern Short Term Need 0 - to - 3 8% Short to Medium Term 374268 19% 9.54%
Period
Liquidity Not Concern Medium Term Need 4 - to - 7 9% Medium to Long Term 1162765 57% 9.88%
( No. of Years ) 22
Generating Income Not Concern Long Term Need Long Term Funds 485900 24% 12.00%
upto Retirement.: 12%
Ease of Management Extremely Concern 8 - Year onwards Total : 2022932 100.00% 9.54%
Note :
Age : 60 Post Tax Rate
Investment Priorities Retirement :
2033 of Return (%) If retirement period is fall in Short / Medium Term
Year : Post Retirement
Preserve Capital Some Extent Age : 80 Rate of Return (%) Period, Long Term Return Rate is automatically
Life Expectacy : 7%
Regular Income Not Priority Year : 2053 replaced by Post Retirement Rate of Return. Please
Timely Goal Achievement Very Important
check first, how much year left to retirement.
Optimum Return Fairly Important Select : Retirement Cash Flow - With Accumulation & Consumption. 2
Growth Over Time Very Important
Maximum Growth Some Extent
Planner's
Note
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Goal Selection
Inflation Goal Funding Goal Funding
Financial Goal Particulars Present Cost Effect -
Period
( Years)
Fund to be
Fund to be
Wants to
include OR
If Goal Selection is
"Yes", Goal Future Goal -
Amt. from Amount Total Possible
Possible Goal
Age at Goal of Goal OR Present Goal required in Calculate your Assets through Goal Shortfall in Shortfall in
available for required for Goal Priority Goal Amt. with Funding from Amount to be Achievement
Start Target Goal Amount will Period OR Assets Liquidation required Rs.
Liquidation / Financial Achievement Goal Amt. Rs. Goal %wise
Regular No. of Years Current Cash %wise
Amount rise @%wise Year Flow? / Future Loan? Future Loans - Investment Amt. Rs.
Investments
OR Amt.wise Rs. A/c.
Child Age % OR/ Amt,wise After calculating with your actual cash flow
0 0 0 High Yes N.A. 0 0 0 0 0 0% 0%
Fund for - Pre-Primary & Primary Education 12 50000 10.00% 1 2013 - To - 2015 3 High Yes N.A. 182050 0 182050 182050 0 100% 0%
Fund for - Secondary & Higher Sec. Education 15 100000 10.00% 4 2016 - To - 2019 4 High Yes N.A. 679489 0 679489 679489 0 100% 0%
Planning
Fund for - Graduation & Higher Education 19 100000 10.00% 8 2020 - To - 2022 3 Optional Yes N.A. 709528 0 709528 709528 0 100% 0%
For-Kevin
Fund for - Post Graduation & Master Degree 22 500000 10.00% 11 2023 - To - 2025 3 High Yes N.A. 4721908 0 4721908 4721908 0 100% 0%
Fund for - For start in life 28 1500000 5.00% 17 2029 1 High Yes Yes 3438027 1719014 1719014 3438027 0 100% 0%
Fund for - Marriage Expenses 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%
Fund for -- Pre-Primary & Primary Education 7 50000 6.00% 1 2013 - To - 2020 8 High Yes N.A. 524566 0 524566 524566 0 100% 0%
Planning Fund for -- Secondary & Higher Sec. Education 15 100000 6.00% 9 2021 - To - 2024 4 High Yes N.A. 739082 0 739082 739082 0 100% 0%
For- Fund for -- Graduation & Higher Education 19 100000 10.00% 13 2025 - To - 2027 3 High Yes N.A. 1142702 0 1142702 1142702 0 100% 0%
Sandhya Fund for -- Post Graduation & Master Degree 22 500000 10.00% 16 2028 - To - 2030 3 High Yes N.A. 7604680 0 2297486 2297486 5307194 30% 70%
Fund for -- Marriage Expenses 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%
Future Financial
Need - Fund for - New Residential House 47 3500000 6.00% 8 2020 1 High Yes Yes 5578468 2789234 2789234 5578468 0 100% 0%
Need - Fund for - Motor Car 42 800000 6.00% 3 2015 1 Medium Yes Yes 952813 476406 476406 952813 0 100% 0%
Goal
Future Need - Fund for - Bike for Kevin 45 70000 6.00% 6 2018 1 Medium Yes Yes 99296 0 99296 99296 0 100% 0%
Need Need - Fund for - Scooty for Sandhya 48 55000 6.00% 9 2021 1 Medium Yes Yes 92921 0 92921 92921 0 100% 0%
Need - Fund for - 2 Computer System 44 80000 5.00% 5 2017 1 Medium Yes Yes 102103 0 102103 102103 0 100% 0%
Need - Fund for - Home Appliances / Furniture 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%
Retirement
Funds to be required to provide regular

60 7224450 0 21 2033 1 High Yes 71115515 0 32503095 32503095 38612420 46% 54%
Planning
expenses from Retirement year onwards.

Retirement Retirement Need Provision - Medical Expenses 60 500000 6.00% 21 2033 1 High Yes 1699782 0 1699782 1699782 0 100% 0%
Corpus &
Retirement Need Provision - Tour - Yatra 60 1000000 5.00% 21 2033 1 Medium Yes 2785963 0 2785963 2785963 0 100% 0%
Provision
Retirement Need Provision - Donation / Gift 60 1000000 5.00% 21 2033 1 Low Yes 2785963 0 2785963 2785963 0 100% 0%
Retirement Need Provision - Reserve Balance 60 1000000 6.00% 21 2033 1 Optional Yes 3399564 0 3399564 3399564 0 100% 0%
Your Age 81786786 43174365 43174365 38612420 53% 47%
Future Financial
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Dream - Fund for - Farm House & Land 57 3000000 6.00% 18 2030 1 Optional Yes Yes 8563017 0 0 0 8563017 0% 100%
tis Pla
Dream - Fund for - Create Wealth for Family 77 5000000 21 2050 1 Optional Yes Yes 5000000 0 0 0 5000000 0% 100%
is
Goal
Future 0 0 0 High Yes Yes 0 0 0 0 0 0% 0%
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Dreams Dream - Fund for - Domestic Long Tour 57 40000 5.00% 18 2030 - To - 2045 Every 3 Year Optional Yes Yes 859051 0 762786 762786 96265 89% 11%
Sa ple
Dream - Fund for - Foreign Tour 62 250000 5.00% 21 2035 - To - 2055 Every 5 Year Optional Yes Yes 4595080 0 2998710 2998710 1596369 65% 35%
19017148 0 3761496 3761496 15255652 20% 80%
130302815 6149510 64558039 70707549 59595266 54% 46%
By m
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Age :
Loan
Regular Net Balance
Spouse Agriculture Surplus Total Loan Repayment Net Surplus
Self Income Total Investment (+/-)
Sr. No. Year Amar Patel Sangita Patel Kevin Sandhya Income Income Other Income Total Income (Basic Cash Repayment For Future for Savings /
( Net of Tax ) Expenses Commitment @Each Year
(Net of Tax) (if any) Flow) Amount Rs. Goal Amount Investment
(Outflow) Ended
Rs.
0 2012 39 36 11 6 206886 60000 50000 3750 320636 161800 158836 33000 125836 82053 43783
1 2013 40 37 12 7 623026 197773 165000 15000 1000799 522338 478461 126000 0 352461 263991 88470
2 2014 41 38 13 8 622490 215513 181500 15000 1034504 562197 472306 108000 0 364306 281991 82315
3 2015 42 39 14 9 623562 235038 199650 15000 1073249 605218 468031 202000 68790 197240 299991 -102751
4 2016 43 40 15 10 623489 256297 219615 15000 1114402 651661 462740 58500 68790 335450 312991 22459
5 2017 44 41 16 11 625755 280818 241577 15000 1163149 701809 461340 36000 68790 356550 317991 38559
6 2018 45 42 17 12 625405 307324 265734 15000 1213464 755969 457495 0 68790 388705 335991 52714
7 2019 46 43 18 13 625405 335927 292308 15000 1268640 814473 454167 0 68790 385376 353991 31385
8 2020 47 44 19 14 625405 366925 321538 115000 1428868 877684 551184 0 69747 481437 361335 120102
9 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 55735
11 2023 50 47 22 17 663598 512160 427968 0 1603725 1099664 504062 0 69747 434314 386527 47787
12 2024 51 48 23 18 663598 558232 470764 0 1692594 1185989 506605 0 69747 436858 404527 32331
13 2025 52 49 24 19 663598 608905 517841 0 1790343 1279359 510984 0 69747 441237 416077 25160
14 2026 53 50 25 20 663598 664649 569625 0 1897872 1380369 517502 0 69747 447755 434077 13678
15 2027 54 51 26 21 663598 725959 626587 0 2016144 1489669 526475 0 69747 456728 450000 6728
16 2028 55 52 27 22 663598 793404 689246 0 2146247 1607962 538286 0 69747 468538 468000 538
17 2029 56 53 28 23 663598 867595 758171 0 2289363 1736016 553347 0 69747 483600 486000 -2400
18 2030 57 54 29 24 663598 949120 833988 0 2446706 1874667 572038 0 69747 502291 504000 -1709
19 2031 58 55 30 25 663598 1028589 917386 0 2609572 2024822 584750 0 69747 515003 522000 -6997
20 2032 59 56 31 26 663598 1115994 1009125 0 2788717 2187471 601246 0 69747 531499 540000 -8501
21 2033 60 57 32 27 663598 1212143 1110037 0 2985778 2363690 622088 0 69747 552341 558000 -5659
22 2034 61 58 33 28 0 1317908 0 0 1317908 0 1317908 0 69747 1248161 0 1248161
23 2035 62 59 34 29 0 1434254 0 0 1434254 0 1434254 0 0 1434254 0 1434254
24 2036 63 60 35 30 0 1562224 0 0 1562224 0 1562224 0 0 1562224 0 1562224
25 2037 64 61 36 31 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 37 32 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 38 33 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 39 34 0 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 40 35 0 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 41 36 0 0 0 0 0 0 0 0 0 0 0 0
31 2043 70 67 42 37 0 0 0 0 0 0 0 0 0 0 0 0
32 2044 71 68 43 38 0 0 0 0 0 0 0 0 0 0 0 0
33 2045 72 69 44 39 0 0 0 0 0 0 0 0 0 0 0 0
34 2046 73 70 45 40 0 0 0 0 0 0 0 0 0 0 0 0
35 2047 74 71 46 41 0 0 0 0 0 0 0 0 0 0 0 0
36 2048 75 72 47 42 0 0 0 0 0 0 0 0 0 0 0 0
37 2049 76 73 48 43 0 0 0 0 0 0 0 0 0 0 0 0
38 2050 77 74 49 44 0 0 0 0 0 0 0 0 0 0 0 0
39 2051 78 75 50 45 0 0 0 0 0 0 0 0 0 0 0 0
40 2052 79 76 51 46 0 0 0 0 0 0 0 0 0 0 0 0
41 2053 80 77 52 47 0 0 0 0 0 0 0 0 0 0 0 0
42 2054 81 78 53 48 0 0 0 0 0 0 0 0 0 0 0 0
try
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43 2055 82 79 54 49 0 0 0 0 0 0 0 0 0 0 0 0
44 2056 83 80 55 50 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
is
45 2057 84 81 56 51 0 0 0 0 0 0 0 0 0 0 0 0
46 2058 85 82 57 52 0 0 0 0 0 0 0 0 0 0 0 0
M
47 2059 86 83 58 53 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
48 2060 87 84 59 54 0 0 0 0 0 0 0 0 0 0 0 0
49 2061 88 85 60 55 0 0 0 0 0 0 0 0 0 0 0 0
50 2062 89 86 61 56 0 0 0 0 0 0 0 0 0 0 0 0
By m
Sa
Age : Child Future Planning - Future Need for Kevin Child Future Planning - Future Need for Sandhya
Post Post
Pre-Primary & Secondary & Graduation & Total Amount Pre-Primary & Secondary & Graduation & Total Amount
Child Care Graduation & For start in Marriage Child Care Graduation & For start in Marriage
Sr. No. Year Amar Patel Sangita Patel Age Primary Higher Sec. Higher to be Age Primary Higher Sec. Higher to be
Expenses Master life Expenses Expenses Master life Expenses
Education Education Education required. Education Education Education required.
Degree Degree
Total Requirement : >>>> 0 182050 679489 709528 4721908 3438027 907680 10638682 0 524566 739082 1142702 7604680 0 1603568 11614598
1 2013 40 37 12 0 55000 0 0 0 0 0 55000 7 0 53000 0 0 0 0 0 53000
2 2014 41 38 13 0 60500 0 0 0 0 0 60500 8 0 56180 0 0 0 0 0 56180
3 2015 42 39 14 0 66550 0 0 0 0 0 66550 9 0 59551 0 0 0 0 0 59551
4 2016 43 40 15 0 0 146410 0 0 0 0 146410 10 0 63124 0 0 0 0 0 63124
5 2017 44 41 16 0 0 161051 0 0 0 0 161051 11 0 66911 0 0 0 0 0 66911
6 2018 45 42 17 0 0 177156 0 0 0 0 177156 12 0 70926 0 0 0 0 0 70926
7 2019 46 43 18 0 0 194872 0 0 0 0 194872 13 0 75182 0 0 0 0 0 75182
8 2020 47 44 19 0 0 0 214359 0 0 0 214359 14 0 79692 0 0 0 0 0 79692
9 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 179085
11 2023 50 47 22 0 0 0 0 1426558 0 0 1426558 17 0 0 189830 0 0 0 0 189830
12 2024 51 48 23 0 0 0 0 1569214 0 0 1569214 18 0 0 201220 0 0 0 0 201220
13 2025 52 49 24 0 0 0 0 1726136 0 0 1726136 19 0 0 0 345227 0 0 0 345227
14 2026 53 50 25 0 0 0 0 0 0 0 0 20 0 0 0 379750 0 0 0 379750
15 2027 54 51 26 0 0 0 0 0 0 0 0 21 0 0 0 417725 0 0 0 417725
16 2028 55 52 27 0 0 0 0 0 0 0 0 22 0 0 0 0 2297486 0 0 2297486
17 2029 56 53 28 0 0 0 0 0 3438027 0 3438027 23 0 0 0 0 2527235 0 0 2527235
18 2030 57 54 29 0 0 0 0 0 0 0 0 24 0 0 0 0 2779959 0 0 2779959
19 2031 58 55 30 0 0 0 0 0 0 907680 907680 25 0 0 0 0 0 0 0 0
20 2032 59 56 31 0 0 0 0 0 0 0 0 26 0 0 0 0 0 0 1603568 1603568
21 2033 60 57 32 0 0 0 0 0 0 0 0 27 0 0 0 0 0 0 0 0
22 2034 61 58 33 0 0 0 0 0 0 0 0 28 0 0 0 0 0 0 0 0
23 2035 62 59 34 0 0 0 0 0 0 0 0 29 0 0 0 0 0 0 0 0
24 2036 63 60 35 0 0 0 0 0 0 0 0 30 0 0 0 0 0 0 0 0
25 2037 64 61 36 0 0 0 0 0 0 0 0 31 0 0 0 0 0 0 0 0
26 2038 65 62 37 0 0 0 0 0 0 0 0 32 0 0 0 0 0 0 0 0
27 2039 66 63 38 0 0 0 0 0 0 0 0 33 0 0 0 0 0 0 0 0
28 2040 67 64 39 0 0 0 0 0 0 0 0 34 0 0 0 0 0 0 0 0
29 2041 68 65 40 0 0 0 0 0 0 0 0 35 0 0 0 0 0 0 0 0
30 2042 69 66 41 0 0 0 0 0 0 0 0 36 0 0 0 0 0 0 0 0
31 2043 70 67 42 0 0 0 0 0 0 0 0 37 0 0 0 0 0 0 0 0
32 2044 71 68 43 0 0 0 0 0 0 0 0 38 0 0 0 0 0 0 0 0
33 2045 72 69 44 0 0 0 0 0 0 0 0 39 0 0 0 0 0 0 0 0
34 2046 73 70 45 0 0 0 0 0 0 0 0 40 0 0 0 0 0 0 0 0
35 2047 74 71 46 0 0 0 0 0 0 0 0 41 0 0 0 0 0 0 0 0
36 2048 75 72 47 0 0 0 0 0 0 0 0 42 0 0 0 0 0 0 0 0
37 2049 76 73 48 0 0 0 0 0 0 0 0 43 0 0 0 0 0 0 0 0
38 2050 77 74 49 0 0 0 0 0 0 0 0 44 0 0 0 0 0 0 0 0
39 2051 78 75 50 0 0 0 0 0 0 0 0 45 0 0 0 0 0 0 0 0
40 2052 79 76 51 0 0 0 0 0 0 0 0 46 0 0 0 0 0 0 0 0
41 2053 80 77 52 0 0 0 0 0 0 0 0 47 0 0 0 0 0 0 0 0
42 2054 81 78 53 0 0 0 0 0 0 0 0 48 0 0 0 0 0 0 0 0
43 2055 82 79 54 0 0 0 0 0 0 0 0 49 0 0 0 0 0 0 0 0
try
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44 2056 83 80 55 0 0 0 0 0 0 0 0 50 0 0 0 0 0 0 0 0
tis Pla
45 2057 84 81 56 0 0 0 0 0 0 0 0 51 0 0 0 0 0 0 0 0
is
46 2058 85 82 57 0 0 0 0 0 0 0 0 52 0 0 0 0 0 0 0 0
47 2059 86 83 58 0 0 0 0 0 0 0 0 53 0 0 0 0 0 0 0 0
M
48 2060 87 84 59 0 0 0 0 0 0 0 0 54 0 0 0 0 0 0 0 0
Sa ple
49 2061 88 85 60 0 0 0 0 0 0 0 0 55 0 0 0 0 0 0 0 0
50 2062 89 86 61 0 0 0 0 0 0 0 0 56 0 0 0 0 0 0 0 0
By m
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Age : Future Financial Need & Dream Retirement Need

Funds to be
required to Retirement Retirement
Need-New Need-2 Need-Home Dream-Create Dream- Total Amount Retirement Retirement Total Amount
Need-Motor Need-Bike for Need-Scooty Dream-Farm Dream- provide regular Need Provision - Need Provision -
Sr. No. Year Amar Patel Sangita Patel Residential Computer Appliances / Wealth for 0-0 Domestic to be
expenses from Medical
Need Provision - Need Provision -
Reserve
to be
Car Kevin for Sandhya House & Land Foreign Tour Tour - Yatra Donation / Gift
House System Furniture Family Long Tour required. Retirement year Expenses Balance required.
onwards.
Total Requirement : >>>> 5578468 952813 99296 92921 102103 8563017 420000 5000000 0 4595080 859051 26262749 71115515 1699782 2785963 2785963 3399564 81786786
1 2013 40 37 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2 2014 41 38 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
3 2015 42 39 0 952813 0 0 0 0 0 0 0 0 0 952813 0 0 0 0 0 0
4 2016 43 40 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
5 2017 44 41 0 0 0 0 102103 0 0 0 0 0 0 102103 0 0 0 0 0 0
6 2018 45 42 0 0 99296 0 0 0 0 0 0 0 0 99296 0 0 0 0 0 0
7 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
8 2020 47 44 5578468 0 0 0 0 0 0 0 0 0 0 5578468 0 0 0 0 0 0
9 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 0
11 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
12 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
13 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
14 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
15 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
16 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
17 2029 56 53 0 0 0 0 0 0 420000 0 0 0 0 420000 0 0 0 0 0 0
18 2030 57 54 0 0 0 0 0 8563017 0 0 0 0 96265 8659282 0 0 0 0 0 0
19 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
20 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
21 2033 60 57 0 0 0 0 0 0 0 0 0 0 111439 111439 0 0 0 0 0 0
22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 1165379 1699782 2785963 2785963 3399564 11836649
23 2035 62 59 0 0 0 0 0 0 0 0 0 767881 0 767881 1320672 0 0 0 0 1320672
24 2036 63 60 0 0 0 0 0 0 0 0 0 0 129004 129004 1487159 0 0 0 0 1487159
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 1665701 0 0 0 0 1665701
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 1857225 0 0 0 0 1857225
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 149338 149338 2062740 0 0 0 0 2062740
28 2040 67 64 0 0 0 0 0 0 0 0 0 980032 0 980032 2283333 0 0 0 0 2283333
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 2520184 0 0 0 0 2520184
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 172878 172878 2774571 0 0 0 0 2774571
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 3047879 0 0 0 0 3047879
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 3341609 0 0 0 0 3341609
33 2045 72 69 0 0 0 0 0 0 0 0 0 1250797 200128 1450925 3657387 0 0 0 0 3657387
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 3996981 0 0 0 0 3996981
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 4362304 0 0 0 0 4362304
36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 4755438 0 0 0 0 4755438
37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 5178639 0 0 0 0 5178639
38 2050 77 74 0 0 0 0 0 0 0 5000000 0 1596369 0 6596369 5634359 0 0 0 0 5634359
39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 6125262 0 0 0 0 6125262
40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 6654243 0 0 0 0 6654243
41 2053 80 77 0 0 0 0 0 0 0 0 0 0 0 0 7224450 0 0 0 0 7224450
try
42 2054 81 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
h n
43 2055 82 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
44 2056 83 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
is
45 2057 84 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
M
46 2058 85 82 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
47 2059 86 83 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
48 2060 87 84 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
49 2061 88 85 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
50 2062 89 86 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
By m
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Planning For-Kevin Planning For-Sandhya Future Need & Dream
Particulars For start in Marriage Marriage

New
Residential Motor Car
life Expenses Expenses
House
Requirement / Need type Regular Regular Lumpsum Lumpsum Regular Regular Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum
Total Amount to be required for Financial Goal? 0 0 3438027 907680 0 0 0 1603568 5578468 952813 0 0 0 0 0 0 0
How much % of funding you expect through Assets Sale OR

0% 0% 50% 40% 0% 0% 0% 50% 50% 50% 0% 0% 0% 0% 0% 0% 0%
Future Loan?
Goal Funding amount expected through Assets Sale OR
0 0 1719014 363072 0 0 0 801784 2789234 476406 0 0 0 0 0 0 0
Future Loan.
Amount to be required in year / from year? 0 0 2029 2031 0 0 0 2032 2020 2015 0 0 0 0 0 0 0
Wants to utilise current assets for goal funding? 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 / 5 - Gold /
Name of Assets, if you wants to use against Goal 1 - Residential 2 - Four
Gold 0 0 0 Silver / 0 0 0 0 0
Funding Building / Flat Wheelers
Ornaments Ornaments
Assets value to be available to utilise for Goal funding in that

0 0 0 756400 0 0 0 1122497 2216183 218700 0 0 0 0 0 0 0
year
How much amount, you wants to utilise through Assets? 0 0 0 363072 0 0 0 801784 2216183 218700 0 0 0 0 0 0 0
Outstanding Goal Amount After funding from Assets 0 0 1719014 0 0 0 0 0 573051 257706 0 0 0 0 0 0 0
Wants to take loan in future for goal funding? 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%
How much % of funding you wants through loan? 0% 0% 100% 0% 0% 0% 0% 0% 100% 100% 0% 0% 0% 0% 0% 0% 0%
Goal Funding Amount from Future Loan 0 0 1719014 0 0 0 0 0 573051 257706 0 0 0 0 0 0 0
Future Loan to be paid from your Income? 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%
If Yes, Please fill up following details
Estimated Interest Rate (%) on Future Loan (if any) 0% 0% 10% 0% 0% 0% 0% 0% 9% 12% 0% 0% 0% 0% 0% 0% 0%
Projected Loan Payment Period (in Years) 0 0 10 0 0 0 0 0 15 5 0 0 0 0 0 0 0
Monthly Installments 0 0 22717 0 0 0 0 0 5812 5733 0 0 0 0 0 0 0
Yearly Loan Payment 0 0 272603 0 0 0 0 0 69747 68790 0 0 0 0 0 0 0
After funding from loan (if any ) - Remaining Goal Amount to

0 0 1719014 544608 0 0 0 801784 2789234 476406 0 0 0 0 0 0 0
be mapped with Financial Investment Account
try
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Balance of Assets amount (if any) after goal funding to be
0 0 0 393328 0 0 0 320714 0 0 0 0 0 0 0 0 0
transfer to cash flow account
tis Pla
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Sa ple
By m
Sa
Required Net Total Amount of Goal Funding Inflow through Maturity proceeds of Life Insurance Schemes / Fixed Return Schemes & Interest Income on Aggregate Amt. of
Summary Data - Retirement Need
(Other than Retirement Need) Investments. ( For Other than Retirement Need ) Need & Fund
For Child Future Need / Other Future Need &
Inflow through Maturity Proceeds.
Dreams / Retirement Needs Income from Investment Total Inflow
Total Amount Total inflow Investments Account Total Inflow - Retirement
& of Goal
Net Amount
through
Total inflow
Investment
Total Amount -
Benefit /
Total Amount throgh
Child Future Child Future Future to be required Regular Total Amount of through Post Of Future Maturity
Funds available through Maturity proceeds Funding to be Interest / Sys. Total Income / Total Income / Income & Investment
Planning - Planning - Financial from Income from Mutual Fund Withdrawal Maturity Maturity Retirement Need / Proceeds &
of Investment / Interest Income & Retirement from Sale of Maturity Maturity Maturity
Future Need Future Need Need & Financial Maturity Proceeds from proceeds of Expenses & Dreams / Investment
Assets & Debt Regular from Proceeds Proceeds of proceeds of
Benefit / PPF A/c. Etc. for Kevin for Sandhya Dream Investment
Proceeds
Amount from
Postal Investment Funding Need Retirement Income,
Future Loan - Investment Withdrawal Investment Amount from Schemes / Investment Retirement
Portfolio - Rs. (Other than (SWP) Unit Linked Account - Rs. Need Etc. Retirement
Rs. Account Traditional Plan Bonds - NCD / Account Account
Sr. No. Year Amar Patel Sangita Patel MF) Plan Fund Etc.
FDR
0 2012 39 36 23205 0 23205 0 0 73862 73862 97067 0 97067

1 2013 40 37 55000 53000 0 0 108000 72910 0 72910 18750 44000 0 62750 135660 0 0 108000 135660
2 2014 41 38 60500 56180 0 0 116680 59160 0 59160 0 0 260000 260000 319160 0 0 116680 319160
3 2015 42 39 66550 59551 952813 476406 602507 48410 0 48410 0 155195 50000 205195 253605 0 0 602507 253605
4 2016 43 40 146410 63124 0 0 209534 38058 0 38058 0 0 854190 854190 892247 0 0 209534 892247
5 2017 44 41 161051 66911 102103 0 330065 1708 0 1708 171225 0 48031 219256 220964 0 0 330065 220964
6 2018 45 42 177156 70926 99296 0 347378 0 0 0 18750 0 0 18750 18750 0 0 347378 18750
7 2019 46 43 194872 75182 0 0 270053 0 0 0 0 0 70000 70000 70000 0 0 270053 70000
8 2020 47 44 214359 79692 5578468 2789234 3083285 0 0 0 255000 0 0 255000 255000 0 0 3083285 255000
9 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 108500
11 2023 50 47 1426558 189830 0 0 1616388 0 0 0 89625 0 0 89625 89625 0 0 1616388 89625
12 2024 51 48 1569214 201220 0 0 1770434 0 0 0 0 0 0 0 0 0 0 1770434 0
13 2025 52 49 1726136 345227 0 0 2071363 0 0 0 243125 0 0 243125 243125 0 0 2071363 243125
14 2026 53 50 0 379750 0 0 379750 0 0 0 0 0 0 0 0 0 0 379750 0
15 2027 54 51 0 417725 0 0 417725 0 0 0 108500 0 0 108500 108500 0 0 417725 108500
16 2028 55 52 0 2297486 0 0 2297486 0 0 0 0 0 0 0 0 0 0 2297486 0
17 2029 56 53 3438027 2527235 420000 1719014 4666249 0 0 0 0 0 0 0 0 0 0 4666249 0
18 2030 57 54 0 2779959 8659282 0 11439241 0 0 0 0 0 0 0 0 0 0 11439241 0
19 2031 58 55 907680 0 0 363072 544608 0 0 0 0 0 0 0 0 0 0 544608 0
20 2032 59 56 0 1603568 0 801784 801784 0 0 0 0 0 0 0 0 0 0 801784 0
21 2033 60 57 0 0 111439 0 111439 0 0 0 0 0 0 0 0 0 0 111439 0
22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 11836649 15916649 11836649 15916649
23 2035 62 59 0 0 767881 0 767881 0 0 0 0 0 0 0 0 1320672 0 2088553 0
24 2036 63 60 0 0 129004 0 129004 0 0 0 0 0 0 0 0 1487159 0 1616163 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 1665701 0 1665701 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 1857225 0 1857225 0
27 2039 66 63 0 0 149338 0 149338 0 0 0 0 0 0 0 0 2062740 0 2212078 0
28 2040 67 64 0 0 980032 0 980032 0 0 0 0 0 0 0 0 2283333 0 3263365 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 2520184 0 2520184 0
30 2042 69 66 0 0 172878 0 172878 0 0 0 0 0 0 0 0 2774571 0 2947449 0
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 3047879 0 3047879 0
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 3341609 0 3341609 0
33 2045 72 69 0 0 1450925 0 1450925 0 0 0 0 0 0 0 0 3657387 0 5108312 0
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 3996981 0 3996981 0
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 4362304 0 4362304 0
36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0
try
0 0 0 0 4755438 4755438
h n
37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 5178639 0 5178639 0
tis Pla
38 2050 77 74 0 0 6596369 0 6596369 0 0 0 0 0 0 0 0 5634359 0 12230728 0
is
39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 6125262 0 6125262 0
M
40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 6654243 0 6654243 0
41 2053 80 77 0 0 0 0 0 0 0 0 0 0 0 0 0 7224450 0 7224450 0
Sa ple
42 2054 81 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
43 2055 82 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
44 2056 83 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
By m
45 2057 84 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa
Financial Investment Portfolio - Cash Flow with Goal Mapping Year Wise Goal Gap / Shortfall Analysis
Lumpsum - Financial Investment + Retirement Portfolio SIP Cash Flow ( Incl. Retirement Fund) Shortfall, Return & Closing Balance
Year Opening Inflow of Weighted Closing

C/F - Cash - Net Flow Available Fund Require Opening Possible Goal SIP Balance Outstanding / Return on Possible Goal
Balance Maturity Balance After Average Rate Balance
Sr. No. Net Balance - During the Balance for for - Future Balance of fundings from After Shortfall of Balance Achievement Possible Goal
( Investments Amount Fundings of Return ( On Cash Shortfall in Shortfall in Primary Cash
upto Year Age in Direct
From Earning
(See Annexure
Year Funding Financial
(7)
SIP A/c. at SIP Corpus Fundings Goal Amount
( Stock + MF
Amount
Basis)
(Financial Achievement
Goal Amt. Rs. Goal %wise Flow Shortfall
Retireme Cash Flow (4) (5) Need / Goals Each Year (9) ( 10 ) ( 11 ) (13) Investment) %wise
Equity & MF) ) ( 5-6 ) Portfolio) (14)
nt (2) (2+3) (1+4) (6) (8) ( 8-7) ( 8-9) ( 7-9) ( 7 x 12) Amt. Rs.
(1) (3) ( 11 ) (7+13)
0 2012 39 2022932 0 97067 97067 2119999 250000 1869999 0 0 49519 0 0.00% 0 1869999 64558039 52% 59595266 48% 10902
1 2013 40 1869999 43783 135660 179443 2049441 108000 1941441 49519 0 226754 0 9.54% 185128 2126569 108000 100% 0 0% 0
2 2014 41 2126569 88470 319160 407630 2534199 116680 2417519 226754 0 445501 0 9.54% 230524 2648044 116680 100% 0 0% 0
3 2015 42 2648044 82315 253605 335920 2983964 602507 2381456 445501 0 712434 0 9.54% 227086 2608542 602507 100% 0 0% 0
4 2016 43 2608542 -102751 892247 789496 3398038 209534 3188504 712434 0 1035299 0 9.88% 315157 3503662 209534 100% 0 0% 0
5 2017 44 3503662 22459 220964 243423 3747085 330065 3417020 1035299 0 1423087 0 9.88% 337744 3754764 330065 100% 0 0% 0
6 2018 45 3754764 38559 18750 57309 3812073 347378 3464694 1423087 0 1886235 0 9.88% 342456 3807151 347378 100% 0 0% 0
7 2019 46 3807151 52714 70000 122714 3929864 270053 3659811 1886235 0 2436857 0 9.88% 361742 4021553 270053 100% 0 0% 0
8 2020 47 4021553 31385 255000 286385 4307938 3083285 1224653 2436857 0 3089015 0 12.00% 146958 1371611 3083285 100% 0 0% 0
9 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% 0
11 2023 50 1320144 55735 89625 145360 1465503 1616388 -150885 4765852 150885 5656330 0 12.00% 0 0 1616388 100% 0 0% 0
12 2024 51 0 47787 0 47787 47787 1770434 -1722646 5656330 1722646 4878548 0 12.00% 0 0 1770434 100% 0 0% 0
13 2025 52 0 32331 243125 275456 275456 2071363 -1795907 4878548 1795907 3903717 0 12.00% 0 0 2071363 100% 0 0% 0
14 2026 53 0 25160 0 25160 25160 379750 -354590 3903717 354590 4458214 0 12.00% 0 0 379750 100% 0 0% 0
15 2027 54 0 13678 108500 122178 122178 417725 -295547 4458214 295547 5183404 0 12.00% 0 0 417725 100% 0 0% 0
16 2028 55 0 6728 0 6728 6728 2297486 -2290758 5183404 2290758 3722243 0 12.00% 0 0 2297486 100% 0 0% 0
17 2029 56 0 538 0 538 538 4666249 -4665711 3722243 1718475 2703495 2947235 12.00% 0 0 1719014 37% 2947235 63% 0
18 2030 57 0 -2400 0 -2400 -2400 11439241 -11441641 2703495 0 3528727 11441641 12.00% 0 0 0 0% 11439241 100% 2400
19 2031 58 0 391619 0 391619 391619 544608 -152989 3528727 152989 4322058 0 12.00% 0 0 544608 100% 0 0% 0
20 2032 59 0 313716 0 313716 313716 801784 -488067 4322058 488067 4866998 0 12.00% 0 0 801784 100% 0 0% 0
21 2033 60 0 -8501 0 -8501 -8501 111439 -119940 4866998 111439 5949734 8501 12.00% 0 0 111439 100% 0 0% 8501
22 2034 61 0 -5659 15916649 15910990 15910990 11836649 4074341 13514755 0 13514755 0 7.00% 1231237 18820333 11836649 100% 0 0% 0
0 2035 62 18820333 1248161 0 1248161 20068494 2088553 17979941 0 0 0 0 7.00% 1258596 19238537 2088553 100% 0 0% 0
0 2036 63 19238537 1434254 0 1434254 20672791 1616163 19056627 0 0 0 0 7.00% 1333964 20390591 1616163 100% 0 0% 0
0 2037 64 20390591 1562224 0 1562224 21952816 1665701 20287115 0 0 0 0 7.00% 1420098 21707213 1665701 100% 0 0% 0
0 2038 65 21707213 0 0 0 21707213 1857225 19849988 0 0 0 0 7.00% 1389499 21239487 1857225 100% 0 0% 0
0 2039 66 21239487 0 0 0 21239487 2212078 19027409 0 0 0 0 7.00% 1331919 20359327 2212078 100% 0 0% 0
0 2040 67 20359327 0 0 0 20359327 3263365 17095962 0 0 0 0 7.00% 1196717 18292680 3263365 100% 0 0% 0
0 2041 68 18292680 0 0 0 18292680 2520184 15772496 0 0 0 0 7.00% 1104075 16876570 2520184 100% 0 0% 0
0 2042 69 16876570 0 0 0 16876570 2947449 13929121 0 0 0 0 7.00% 975038 14904160 2947449 100% 0 0% 0
0 2043 70 14904160 0 0 0 14904160 3047879 11856281 0 0 0 0 7.00% 829940 12686220 3047879 100% 0 0% 0
0 2044 71 12686220 0 0 0 12686220 3341609 9344612 0 0 0 0 7.00% 654123 9998735 3341609 100% 0 0% 0
0 2045 72 9998735 0 0 0 9998735 5108312 4890423 0 0 0 0 7.00% 342330 5232752 5108312 100% 0 0% 0
0 2046 73 5232752 0 0 0 5232752 3996981 1235771 0 0 0 0 7.00% 86504 1322275 3996981 100% 0 0% 0
0 2047 74 1322275 0 0 0 1322275 4362304 -3040029 0 0 0 3040029 7.00% 0 0 1322275 30% 3040029 70% 0
0 2048 75 0 0 0 0 0 4755438 -4755438 0 0 0 4755438 7.00% 0 0 0 0% 4755438 100% 0
try
0 2049 76 0 0 0 0 0 5178639 -5178639 0 0 0 5178639 7.00% 0 0 0 0% 5178639 100% 0
h n
0 2050 77 0 0 0 0 0 12230728 -12230728 0 0 0 12230728 7.00% 0 0 0 0% 12230728 100% 0
tis Pla
is
0 2051 78 0 0 0 0 0 6125262 -6125262 0 0 0 6125262 7.00% 0 0 0 0% 6125262 100% 0
0 2052 79 0 0 0 0 0 6654243 -6654243 0 0 0 6654243 7.00% 0 0 0 0% 6654243 100% 0
M
0 2053 80 0 0 0 0 0 7224450 -7224450 0 0 0 7224450 7.00% 0 0 0 0% 7224450 100% 0
Sa ple
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 0 0 0 0 0.00% 0 0 0 0% 0 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
By m
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0
Sa
Financial Goalwise - Gross Investment Need & Investment Need for Goal Shortfall
Today onwards - For Short Term Need - Next 3 Years -Investment For Long Term Need -8 to 22 Years - Investment required @12% & 23 years
available years For Medium Term Need -4 to 7 Years - Investment required @9%
for Regular
required @ 8% onwards - Post Retirement @7%
Present Cost of
Investment
Selected Financial Goal Goal OR Target
&
For Full Goal Amount For Shortfall For Full Goal Amount For Shortfall For Full Goal Amount For Shortfall
Goal Amount Funds Required Required Required Required Required Required Required Required Required Required
requirement for
Required Goal Required Required Goal Required Required Goal Required
Lumpsum Lumpsum Lumpsum Monthly Lumpsum Monthly Lumpsum Regular Lumpsum Regular
No. of Years Amount Rs. Amount Rs. Amount Rs. Amount Rs. Amount Rs. Amount Rs.
Investment Investment Investment Investment Investment Investment Investment Investment Investment Investment
Monthly Monthly
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pre-Primary & Primary Education 50000 1 / 3 182050 155624 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Secondary & Higher Sec. Education 100000 4 / 4 0 0 0 0 679489 420627 8990 0 0 0 0 0 0 0 0 0
Planning
Graduation & Higher Education 100000 8 / 3 0 0 0 0 0 0 0 0 0 0 709528 255117 3397 0 0 0
For-Kevin Post Graduation & Master Degree 500000 11 / 3 0 0 0 0 0 0 0 0 0 0 4721908 1208465 12493 0 0 0
For start in life 1500000 17 / 1 0 0 0 0 0 0 0 0 0 0 3438027 500729 3657 0 0 0
Marriage Expenses 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 0
Planning Secondary & Higher Sec. Education 100000 9 / 4 0 0 0 0 0 0 0 0 0 0 739082 224804 2724 0 0 0
For- Graduation & Higher Education 100000 13 / 3 0 0 0 0 0 0 0 0 0 0 1142702 233138 2113 0 0 0
Sandhya Post Graduation & Master Degree 500000 16 / 3 0 0 0 0 0 0 0 0 0 0 7604680 1104352 8476 5307194 729582 5328
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
New Residential House 3500000 8 / 1 0 0 0 0 0 0 0 0 0 0 5578468 2253050 30002 0 0 0
Motor Car 800000 3 / 1 952813 756374 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Future Bike for Kevin 70000 6 / 1 0 0 0 0 99296 59207 848 0 0 0 0 0 0 0 0 0
Need Scooty for Sandhya 55000 9 / 1 0 0 0 0 0 0 0 0 0 0 92921 33508 406 0 0 0

2 Computer System 80000 5 / 1 0 0 0 0 102103 66360 1138 0 0 0 0 0 0 0 0 0
Home Appliances / Furniture 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
Funds to be required to provide

regular expenses from Retirement 7224450 21 / 1 0 0 0 0 0 0 0 0 0 0 71115515 2716122 25362 38612420 1057555 9875
year onwards.
Retirement
Medical Expenses 500000 21 / 1 0 0 0 0 0 0 0 0 0 0 1699782 140474 1312 0 0 0
Corpus &
Provision Tour - Yatra 1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 2785963 230239 2150 0 0 0
Donation / Gift 1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 2785963 230239 2150 0 0 0
Reserve Balance 1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 3399564 280948 2623 0 0 0
try
h n
0 0 0 0 0 0 0 0 0 0 81786786 3598023 33596 38612420 1057555 9875
tis Pla
Farm House & Land 3000000 18 / 1 0 0 0 0 0 0 0 0 0 0 8563017 1113531 7755 8563017 1113531 7755
is
Create Wealth for Family 5000000 21 / 1 0 0 0 0 0 0 0 0 0 0 5000000 139969 818 5000000 139969 818
M
Future 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
Dreams Domestic Long Tour 40000 18 / Every 3 Year 0 0 0 0 0 0 0 0 0 0 859051 57117 398 96265 12518 87
Foreign Tour 250000 21 / Every 5 Year 0 0 0 0 0 0 0 0 0 0 4595080 207075 1210 1596369 44689 261
By m
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
Sa
Financial Goal Particulars Possible Goal

Achievement
%wise
Shortfall in
Goal %wise Financial Goal Gap Analysis
0% 0%
Funds to be available Shortfall in Funds Funds to be required Funds to be available Shortfall in Funds
Fund for - Pre-Primary & Primary Education 100% 0% 4000000 100%
Fund for - Secondary & Higher Sec. Education 100% 0% 80%
3000000
Planning 60%
Fund for - Graduation & Higher Education 100% 0%
For-Kevin 2000000
40%
Fund for - Post Graduation & Master Degree 100% 0%
1000000 20%
Fund for - For start in life 100% 0%
0 0%
Fund for - Marriage Expenses
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
100% 0%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
100% 0%
0% 0%
Fund for -- Pre-Primary & Primary Education 100% 0% 4000000 100%
Planning Fund for -- Secondary & Higher Sec. Education 100% 0% 80%
3000000
For- Fund for -- Graduation & Higher Education 100% 0% 60%
2000000
Sandhya Fund for -- Post Graduation & Master Degree 30% 70% 40%
1000000
Fund for -- Marriage Expenses 100% 0% 20%
0 0%
0% 0%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
54% 46%
Need - Fund for - New Residential House 100% 0% Funds to be available Shortfall in Funds Funds to be required Funds to be available Shortfall in Funds
Future Financial
Need - Fund for - Motor Car 100% 0% 6000000 100%

80%
Future Need - Fund for - Bike for Kevin 100% 0% 4000000 60%
Goal
Need Need - Fund for - Scooty for Sandhya 100% 0% 2000000

40%
20%
Need - Fund for - 2 Computer System 100% 0%
0 0%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Need - Fund for - Home Appliances / Furniture 0% 100%
94% 6%

46% 54% Funds to be available Shortfall in Funds Funds to be required Funds to be available Shortfall in Funds
expenses from Retirement year onwards. 100%
Retirement
Retirement Retirement Need Provision - Medical Expenses 100% 0% 15000000

Planning
Corpus & Retirement Need Provision - Tour - Yatra 10000000 50%

100% 0%
Provision 5000000
Retirement Need Provision - Donation / Gift 100% 0%
0 0%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Retirement Need Provision - Reserve Balance
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
100% 0%
53% 47%
Dream - Fund for - Farm House & Land 0% 100%

Future Financial
try
10000000 100%
h n
Dream - Fund for - Create Wealth for Family 0% 100%
Future
tis Pla
Goal
is
0% 0% 5000000 50%
Dreams
Dream - Fund for - Domestic Long Tour
M
89% 11%
0 0%
Dream - Fund for - Foreign Tour 65% 35%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Sa ple
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
20% 80%
By m
Aggregate : 54% 46%
Sa
Yearwise Amountwise Goal Gap Analysis

14000000
12230728
11836649
11439241
12000000
Shortfall in Funds
10000000
7224450
6654243
8000000
6125262
Funds to be available
5178639
5108312
4755438
4666249
6000000
4362304
3996981
3341609
3263365
3083285
3047879
2947449
4000000
2520184
2297486
2212078
2088553
2071363
1857225
1770434
1665701
1616388
1616163
Funds to be required
801784
2000000
602507
544608
497664
438459
417725
379750
347378
330065
270053
209534
116680
108000
111439
0
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
100%
90%
80%
70%
60%
50%
40%
30%
try
h n
20%
tis Pla
10%
is
0%
M
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
Sa ple
By m
Sa
Personal & Dependant Information

Name Sex Relationship Current Status Health Status Date of Birth Age
Amar Patel Male Self Doing Job Very Good 07/05/1973 39
Sangita Patel Female Spouse / Wife Working Very Good 16/07/1976 36
Maheshbhai Patel Male Father Retired Above Average 05/02/1948 64
Sujataben Patel Female Mother Retired Average 22/11/1951 60
Kevin Male Son Studying Very Good 18/04/2001 11
Sandhya Female Daughter Studying Very Good 26/02/2006 6
0 0 0 0 0 0
0 0 0 0 0 0
Family Health Information & History

Major Surgery Have you or any family member ever suffered / suffering
Covered under Health Any permanent physical Continue on any
Name /Hospitalisation in last 5 from?
Insurance? disability? Medications or Drugs?
Years? Self Family History
Amar Patel Yes No No No 0 Heart Disease
Sangita Patel Yes No No No 0 0
Maheshbhai Patel No No Yes No High / Low BP Heart Disease
Sujataben Patel No No Yes No Diabetes 0
Kevin Yes No No No 0 0
Sandhya Yes No No No 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
Health Insurance Policy Details

Policy Name Insurer Company Policy Type Annual Premium Sum Assured Start Date No. of Insured Person
XYZ ABC Floating 4400 200000 22/09/2003 4
try
h n
0 0 0 0 0 0 0
tis Pla
0 0 0 0 0 0 0
is
0 0 0 0 0 0 0
M
0 0 0 0 0 0 0
Sa ple
Group Mediclaim 0 0 0 0 0 0
By m
Sa
Planner's Comments / Advice - On Health Insurance Coverage

Policy Type Indicative
From Suggested Annual
Individual OR Policy Name
Company Health Cover Premium
Floating Amount
Pure Risk Coverage - General Insurance Policy Details

No. of
Rider Annual Family
Insurance Policy ( For) Name of Person Insured Insurer Company Start Date Sum Assured
(if any) Premium Person /
Assets
Personal Accident 0 0 0 0 0 0 0
Group Pers.Accident 0 0 0 0 0 0 0
Critical Illness 0 0 0 0 0 0 0
Vehicles 0 0 0 0 0 0
Household 0 0 0 0 0 0
Planner's Comments / Advice on other General Insurance Coverage / Risk Protection

Indicative
Policy For / To From Suggested Annual
Policy Name
Cover Company Cover Premium
Amount
try
h n
tis Pla
is
M
Sa ple
By m
Sa
Navsari
Planning For-Kevin
Pre-Primary & Secondary & Graduation &
Your Selection - Planning For- Post Graduation Marriage Total Amount
Primary Higher Sec. Higher For start in life
& Master Degree Expenses Rs.
Kevin Education Education Education
Financial Goal Priority 0 High High Optional High High High
Current Cost / Expenses -You wants to provide : 0 50000 100000 100000 500000 1500000 300000 2550000
Goal Cost / Expenses Will Grow @% wise 0% 10% 10% 10% 10% 5% 6%
Inflation Effect
OR @Amountwise year on year 0 0 0 0 0 0 0
Years left to Financial Goal Arrival 0 1 4 8 11 17 19

This period is
remain same in
To be required in Year / Or / Goal start beginning from Year 0 2013 2016 2020 2023 2029 2031 most of time,
try
Requirement for Period / Total No. of Years 0 3 4 3 3 1 1 except if there
h n
is early
Requirement up to Year
tis Pla
0 2015 2019 2022 2025 2029 2031 retirement
is
desired before
M
Fin. Goal year
Regular Investment to be required for No. of Years from today onwards 0 1 4 8 11 17 19 arrival.
Sa ple
Regular Investment to be required up to year from today onwards 0 2013 2016 2020 2023 2029 2031
By m
Sa
Financial Goal / Requirement - will start - Child age at each goal stage 0 12 15 19 22 28 30

Navsari
Gross - Lumpsum Or Regular Cash amount

required to be invest before analysing
future earning & Investment cash flow.
Short Term Required in Year / From Year 0 2013 0 0 0 0 0

Requirement (if any) Required Amount 0 182050 0 0 0 0 0 182050
Investment to be required @% 0 0 0 0 0 0 0 0
Pre Retirement Period
8% Lumpsum 0 155624 0 0 0 0 0 155624
Lump sum
Investment Pre-Primary & Secondary & Graduation &
Post Graduation Marriage Interest on Closing
Sr. No. Year Age Rate of Return Require / Primary Higher Sec. Higher For start in life Total Needs
& Master Degree Expenses Balance Amt. Balance
Opening Education Education Education
Balance
1 2012 39 8% 155624 12450 168074

2 2013 40 8% 168074 0 55000 0 0 0 0 0 55000 9046 122120
try
h n
3 2014 41 8% 122120 0 60500 0 0 0 0 0 60500 4930 66550
tis Pla
is
4 2015 42 8% 66550 0 66550 0 0 0 0 0 66550 0 0
M
Sa ple
By m
Sa
Navsari
Required in Year / From Year 0 0 2016 0 0 0 0

Medium Term
Required Amount 0 0 679489 0 0 0 0 679489
Requirement (if any) Investment to be required @% 0 0 0 0 0 0 0 0
9% Lumpsum 0 0 420627 0 0 0 0 420627
15% Monthly 0 0 8990 0 0 0 0 8990
Lump sum
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

Pre Retirement
Required Amount 0 0 0 709528 4721908 3438027 907680 9777143
Required in Year / From Year Post 0 0 0 0 0 0 0
Long Term Required Amount Retirement 0 0 0 0 0 0 0 0
Regular
Investment
Requirement 0 0 0 0 0 0 0 0 Amount is
suggested upto
Required in Year / From Year Consolidated 0 0 0 2020 2023 2029 2031
Goal Starting
Required Amount Requirement 0 0 0 709528 4721908 3438027 907680 9777143 Year
Lumpsum Investment to be required @% 0 0 0 0 0 0 0 0 OR
Upto
Post Retirement
Pre Retirement 12% Retirement
7% Lumpsum 0 0 0 255117 1208465 500729 105388 2069700
try
Year -
h n
SIP OR Other Regular Investment Monthly 0 0 0 3397 12493 3657 701 20249 Whichever is
tis Pla
recommendations are for need away 5 Year arising earlier.
is
Quarterly 0 0 0 10156 37496 11072 2129 60854
15% from now and upto Goal Starts OR Retirement
M
period starts,whichever arises earlier only.- Half Yearly 0 0 0 20208 75029 22434 4333 122004
Sa ple
@Projected Return ->> Yearly 0 0 0 40014 150123 45941 8948 245026
By m
Sa
Navsari
Lump sum Investment to be required for each Goal 0 0 0 255117 1208465 500729 105388 2069700 Total Lump sum amt. required
Monthly Investment (up to Goal Start ) to be required for each Goal 0 0 0 3397 12493 3657 701 20249 Total amt. required - Monthly
Lump sum
Sr. No. Year Age Rate of Return Require / N.A. Primary Higher Sec. Higher For start in life Total Needs
Balance
1 2012 39 12% 2069700 248364 2318064
2 2013 40 12% 2318064 0 0 0 0 0 0 0 0 278168 2596232
3 2014 41 12% 2596232 0 0 0 0 0 0 0 0 311548 2907779
4 2015 42 12% 2907779 0 0 0 0 0 0 0 0 348934 3256713
5 2016 43 12% 3256713 0 0 0 0 0 0 0 0 390806 3647518
6 2017 44 12% 3647518 0 0 0 0 0 0 0 0 437702 4085221
7 2018 45 12% 4085221 0 0 0 0 0 0 0 0 490226 4575447
8 2019 46 12% 4575447 0 0 0 0 0 0 0 0 549054 5124501
9 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 5895192
11 2022 49 12% 5895192 0 0 0 259374 0 0 0 259374 676298 6312116
12 2023 50 12% 6312116 0 0 0 0 1426558 0 0 1426558 586267 5471824
13 2024 51 12% 5471824 0 0 0 0 1569214 0 0 1569214 468313 4370923
14 2025 52 12% 4370923 0 0 0 0 1726136 0 0 1726136 317374 2962162
15 2026 53 12% 2962162 0 0 0 0 0 0 0 0 355459 3317621
16 2027 54 12% 3317621 0 0 0 0 0 0 0 0 398115 3715736
17 2028 55 12% 3715736 0 0 0 0 0 0 0 0 445888 4161624
18 2029 56 12% 4161624 0 0 0 0 0 3438027 0 3438027 86832 810428
19 2030 57 12% 810428 0 0 0 0 0 0 0 0 97251 907680
20 2031 58 12% 907680 0 0 0 0 0 0 907680 907680 0 0
21 2032 59 12% 0 0 0 0 0 0 0 0 0 0 0
22 2033 60 12% 0 0 0 0 0 0 0 0 0 0 0
23 2034 61 7% 0 0 0 0 0 0 0 0 0 0 0
24 2035 62 7% 0 0 0 0 0 0 0 0 0 0 0
25 2036 63 7% 0 0 0 0 0 0 0 0 0 0 0
26 2037 64 7% 0 0 0 0 0 0 0 0 0 0 0
27 2038 65 7% 0 0 0 0 0 0 0 0 0 0 0
28 2039 66 7% 0 0 0 0 0 0 0 0 0 0 0
29 2040 67 7% 0 0 0 0 0 0 0 0 0 0 0
30 2041 68 7% 0 0 0 0 0 0 0 0 0 0 0
31 2042 69 7% 0 0 0 0 0 0 0 0 0 0 0
32 2043 70 7% 0 0 0 0 0 0 0 0 0 0 0
try
h n
33 2044 71 7% 0 0 0 0 0 0 0 0 0 0 0
tis Pla
34 2045 72 7% 0 0 0 0 0 0 0 0 0 0 0
is
35 2046 73 7% 0 0 0 0 0 0 0 0 0 0 0
M
36 2047 74 7% 0 0 0 0 0 0 0 0 0 0 0
37 2048 75 7% 0 0 0 0 0 0 0 0 0 0 0
Sa ple
38 2049 76 7% 0 0 0 0 0 0 0 0 0 0 0
51 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0
By m
Sa
Navsari
Goal Status : Pre-Primary &

Primary
Secondary &
Higher Sec.
Graduation &
Higher
Post Graduation
For start in life
Marriage
Total Amount
& Master Degree Expenses
Particulars Education Education Education
Total Amount of Future Goal : -

0 182050 679489 709528 4721908 3438027 907680 10638682
To be required - (Amount Rs. ) :
Possible Achievement of Future Goal (Amount Rs. ) : :
0
with your Actual Cash Flow :
Goal Funding through Sale of Assets 0 0 0 0 0 0 363072 363072

Goal Funding through Sale of Assets
Goal Funding through Future Loan 0 0 0 0 0 1719014 0 1719014
Goal Funding through Future Loan
Goal Funding through Financial Investments 0 182050 679489 709528 4721908 1719014 544608 8556597
Goal Funding through Financial Investments
Shortfall of Goal Amount : :
0 0 0 0 0 0 0 0
Calculating with your actual cash flow. : Goal Shortfall
Possible Achievement of Future Goal ( %wise ) : :
0% 100% 100% 100% 100% 100% 100% 100%
Shortfall of Goal Amount (% wise ) : :
0% 0% 0% 0% 0% 0% 0% 0%
Calculating with your actual cash flow. :
Goal Gap Analysis

100%
Goal Shortfall 90%
80%
70%
Goal Funding through
60%
Financial Investments
50%
Goal Funding through 40%

Future Loan 30%
20%
try
Goal Funding through Sale
h n
10%
of Assets
tis Pla
is
0%
Pre-Primary & Secondary & Graduation & Post Graduation For start in life Marriage
M
Primary Higher Sec. Higher & Master Expenses
Sa ple
Education Education Education Degree
By m
Sa
Navsari
Lumpsum Or Regular Cash amount required

to be invest after calculating & analysing
future earning & Investment cash flow for
shortfall (if any)
8% Lumpsum 0 0 0 0 0 0 0 0
Lump sum
Balance
1 2012 39 8% 0 0 0
try
h n
2 2013 40 8% 0 0 0 0 0 0 0 0 0 0 0
tis Pla
is
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
M
Sa ple
By m
Sa
Navsari

Medium Term
Required Amount 0 0 0 0 0 0 0 0
9% Lumpsum 0 0 0 0 0 0 0 0
15% Monthly 0 0 0 0 0 0 0 0
Lump sum
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

Pre Retirement
Regular
Investment
suggested upto
Goal Starting
Upto
Post Retirement
7% Lumpsum 0 0 0 0 0 0 0 0
Year -
try
h n
Quarterly 0 0 0 0 0 0 0 0
tis Pla
is
@Projected Return ->>
M
Yearly 0 0 0 0 0 0 0 0
Sa ple
By m
Sa
Navsari
Lump sum
Balance
1 2012 39 12% 0 0 0
2 2013 40 12% 0 0 0 0 0 0 0 0 0 0 0
3 2014 41 12% 0 0 0 0 0 0 0 0 0 0 0
4 2015 42 12% 0 0 0 0 0 0 0 0 0 0 0
5 2016 43 12% 0 0 0 0 0 0 0 0 0 0 0
6 2017 44 12% 0 0 0 0 0 0 0 0 0 0 0
7 2018 45 12% 0 0 0 0 0 0 0 0 0 0 0
8 2019 46 12% 0 0 0 0 0 0 0 0 0 0 0
9 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 0
11 2022 49 12% 0 0 0 0 0 0 0 0 0 0 0
12 2023 50 12% 0 0 0 0 0 0 0 0 0 0 0
13 2024 51 12% 0 0 0 0 0 0 0 0 0 0 0
14 2025 52 12% 0 0 0 0 0 0 0 0 0 0 0
15 2026 53 12% 0 0 0 0 0 0 0 0 0 0 0
16 2027 54 12% 0 0 0 0 0 0 0 0 0 0 0
17 2028 55 12% 0 0 0 0 0 0 0 0 0 0 0
18 2029 56 12% 0 0 0 0 0 0 0 0 0 0 0
19 2030 57 12% 0 0 0 0 0 0 0 0 0 0 0
20 2031 58 12% 0 0 0 0 0 0 0 0 0 0 0
21 2032 59 12% 0 0 0 0 0 0 0 0 0 0 0
22 2033 60 12% 0 0 0 0 0 0 0 0 0 0 0
23 2034 61 7% 0 0 0 0 0 0 0 0 0 0 0
24 2035 62 7% 0 0 0 0 0 0 0 0 0 0 0
25 2036 63 7% 0 0 0 0 0 0 0 0 0 0 0
26 2037 64 7% 0 0 0 0 0 0 0 0 0 0 0
27 2038 65 7% 0 0 0 0 0 0 0 0 0 0 0
28 2039 66 7% 0 0 0 0 0 0 0 0 0 0 0
29 2040 67 7% 0 0 0 0 0 0 0 0 0 0 0
30 2041 68 7% 0 0 0 0 0 0 0 0 0 0 0
31 2042 69 7% 0 0 0 0 0 0 0 0 0 0 0
32 2043 70 7% 0 0 0 0 0 0 0 0 0 0 0
33 2044 71 7% 0 0 0 0 0 0 0 0 0 0 0
34 2045 72 7% 0 0 0 0 0 0 0 0 0 0 0
try
35 2046 73 7% 0 0 0 0 0 0 0 0 0 0 0
h n
36 2047 74 7% 0 0 0 0 0 0 0 0 0 0 0
tis Pla
is
37 2048 75 7% 0 0 0 0 0 0 0 0 0 0 0
M
38 2049 76 7% 0 0 0 0 0 0 0 0 0 0 0
39 2050 77 7% 0 0 0 0 0 0 0 0 0 0 0
Sa ple
40 2051 78 7% 0 0 0 0 0 0 0 0 0 0 0
41 2052 79 7% 0 0 0 0 0 0 0 0 0 0 0
By m
42 2053 80 0% 0 0 0 0 0 0 0 0 0 0 0
43 2054 81 0% 0 0 0 0 0 0 0 0 0 0 0
Sa
51 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0
Planning For-Sandhya
Pre-Primary & Secondary & Graduation &
Your Selection - Planning For- Post Graduation Marriage Total Amount
Primary Higher Sec. Higher
& Master Degree Expenses Rs.
Sandhya Education Education Education
Financial Goal Priority 0 High High High High High 0
Current Cost / Expenses -You wants to provide : 0 50000 100000 100000 500000 500000 0 1250000
Goal Cost / Expenses Will Grow @% wise 0% 6% 6% 10% 10% 6% 0%

Inflation Effect
OR @Amountwise year on year 0 0 0 0 0 0 0
Years left to Financial Goal Arrival 0 1 9 13 16 20 0

This period is
remain same in
To be required in Year / Or / Goal start beginning from Year 0 2013 2021 2025 2028 2032 0 most of time,
try
Requirement for Period / Total No. of Years except if there
h n
0 8 4 3 3 1 0
is early
tis Pla
Requirement up to Year 0 2020 2024 2027 2030 2032 0 retirement
is
desired before
M
Fin. Goal year
Regular Investment to be required for No. of Years from today onwards 0 1 9 13 16 20 0 arrival.
Sa ple
Regular Investment to be required up to year from today onwards 0 2013 2021 2025 2028 2032 0
By m
Sa
Financial Goal / Requirement - will start - Child age at each goal stage 0 7 15 19 22 26 0


8% Lumpsum 0 144513 0 0 0 0 0 144513
Lump sum
Sr. No. Year Age Rate of Return Require / Primary Higher Sec. Higher Total Needs
Balance
1 2012 39 8% 144513 11561 156074
2 2013 40 8% 156074 0 53000 0 0 0 0 0 53000 8246 111320
try
h n
3 2014 41 8% 111320 0 56180 0 0 0 0 0 56180 4411 59551
tis Pla
is
4 2015 42 8% 59551 0 59551 0 0 0 0 0 59551 0 0
M
Sa ple
By m
Sa

Medium Term
Required Amount 0 276143 0 0 0 0 0 276143
9% Lumpsum 0 171624 0 0 0 0 0 171624
15% Monthly 0 3668 0 0 0 0 0 3668
Lump sum
Balance
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

Pre Retirement
Required Amount 0 79692 739082 1142702 7604680 1603568 0 11169724
Regular
Investment
suggested upto
Required in Year / From Year Consolidated 0 2020 2021 2025 2028 2032 0 Goal Starting
Upto
Post Retirement
7% Lumpsum 0 32186 224804 233138 1104352 166237 0 1760718
Year -
try
h n
tis Pla
is
Quarterly 0 1281 8154 6359 25624 3218 0 44636
M
Sa ple
Yearly 0 5048 32294 25751 105659 13611 0 182364
By m
Sa
Lump sum
Sr. No. Year Age Rate of Return Require / N.A. Primary Higher Sec. Higher N.A. Total Needs
Balance
1 2012 39 12% 1760718 211286 1972004
2 2013 40 12% 1972004 0 0 0 0 0 0 0 0 236640 2208644
3 2014 41 12% 2208644 0 0 0 0 0 0 0 0 265037 2473682
4 2015 42 12% 2473682 0 0 0 0 0 0 0 0 296842 2770524
5 2016 43 12% 2770524 0 0 0 0 0 0 0 0 332463 3102986
6 2017 44 12% 3102986 0 0 0 0 0 0 0 0 372358 3475345
7 2018 45 12% 3475345 0 0 0 0 0 0 0 0 417041 3892386
8 2019 46 12% 3892386 0 0 0 0 0 0 0 0 467086 4359472
9 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 5179334
11 2022 49 12% 5179334 0 0 179085 0 0 0 0 179085 600030 5600280
12 2023 50 12% 5600280 0 0 189830 0 0 0 0 189830 649254 6059704
13 2024 51 12% 6059704 0 0 201220 0 0 0 0 201220 703018 6561502
14 2025 52 12% 6561502 0 0 0 345227 0 0 0 345227 745953 6962228
15 2026 53 12% 6962228 0 0 0 379750 0 0 0 379750 789897 7372375
16 2027 54 12% 7372375 0 0 0 417725 0 0 0 417725 834558 7789209
17 2028 55 12% 7789209 0 0 0 0 2297486 0 0 2297486 659007 6150729
18 2029 56 12% 6150729 0 0 0 0 2527235 0 0 2527235 434819 4058313
19 2030 57 12% 4058313 0 0 0 0 2779959 0 0 2779959 153403 1431757
20 2031 58 12% 1431757 0 0 0 0 0 0 0 0 171811 1603568
21 2032 59 12% 1603568 0 0 0 0 0 1603568 0 1603568 0 0
22 2033 60 12% 0 0 0 0 0 0 0 0 0 0 0
23 2034 61 7% 0 0 0 0 0 0 0 0 0 0 0
24 2035 62 7% 0 0 0 0 0 0 0 0 0 0 0
25 2036 63 7% 0 0 0 0 0 0 0 0 0 0 0
26 2037 64 7% 0 0 0 0 0 0 0 0 0 0 0
27 2038 65 7% 0 0 0 0 0 0 0 0 0 0 0
28 2039 66 7% 0 0 0 0 0 0 0 0 0 0 0
29 2040 67 7% 0 0 0 0 0 0 0 0 0 0 0
30 2041 68 7% 0 0 0 0 0 0 0 0 0 0 0
31 2042 69 7% 0 0 0 0 0 0 0 0 0 0 0
32 2043 70 7% 0 0 0 0 0 0 0 0 0 0 0
try
h n
33 2044 71 7% 0 0 0 0 0 0 0 0 0 0 0
tis Pla
34 2045 72 7% 0 0 0 0 0 0 0 0 0 0 0
is
35 2046 73 7% 0 0 0 0 0 0 0 0 0 0 0
M
36 2047 74 7% 0 0 0 0 0 0 0 0 0 0 0
Sa ple
37 2048 75 7% 0 0 0 0 0 0 0 0 0 0 0
38 2049 76 7% 0 0 0 0 0 0 0 0 0 0 0
51 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0
By m
Sa
Goal Status : Pre-Primary &

Primary
Secondary &
Higher Sec.
Graduation &
Higher
Post Graduation Marriage
Total Amount
& Master Degree Expenses
Particulars Education Education Education

0 524566 739082 1142702 7604680 1603568 0 11614598
0
Goal Funding through Sale of Assets 0 0 0 0 0 801784 0 801784

Goal Funding through Future Loan 0 0 0 0 0 0 0 0
Goal Funding through Financial Investments 0 524566 739082 1142702 2297486 801784 0 5505620
0 0 0 0 5307194 0 0 5307194
0% 100% 100% 100% 30% 100% 0% 54%
0% 0% 0% 0% 70% 0% 0% 46%
Goal Gap Analysis

100%
90% Goal Shortfall

80%
70%
Goal Funding through Financial
60% Investments
50%
40% Goal Funding through Future Loan

30%
20%
try
h n
10%
tis Pla
is
0%
M
Pre-Primary & Secondary & Higher Graduation & Post Graduation & Marriage Expenses
Sa ple
Primary Education Sec. Education Higher Education Master Degree
By m
Sa

shortfall (if any)

8% Lumpsum 0 0 0 0 0 0 0 0
Lump sum
Balance
1 2012 39 8% 0 0 0
try
h n
2 2013 40 8% 0 0 0 0 0 0 0 0 0 0 0
tis Pla
is
3 2014 41 8% 0 0 0 0 0 0 0 0 0 0 0
M
4 2015 42 8% 0 0 0 0 0 0 0 0 0 0 0
Sa ple
By m
Sa

Medium Term
9% Lumpsum 0 0 0 0 0 0 0 0
15% Monthly 0 0 0 0 0 0 0 0
Lump sum
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

Pre Retirement
Required Amount 0 0 0 0 5307194 0 0 5307194
Regular
Investment
suggested upto
Goal Starting
Upto
Post Retirement
7% Lumpsum 0 0 0 0 729582 0 0 729582
Year -
try
arising earlier.
h n
recommendations are for need away 5 Year Quarterly 0 0 0 0 16132 0 0 16132
tis Pla
is
M
Sa ple
By m
Sa
Lump sum
Balance
1 2012 39 12% 729582 87550 817132
2 2013 40 12% 817132 0 0 0 0 0 0 0 0 98056 915188
3 2014 41 12% 915188 0 0 0 0 0 0 0 0 109823 1025010
4 2015 42 12% 1025010 0 0 0 0 0 0 0 0 123001 1148012
5 2016 43 12% 1148012 0 0 0 0 0 0 0 0 137761 1285773
6 2017 44 12% 1285773 0 0 0 0 0 0 0 0 154293 1440066
7 2018 45 12% 1440066 0 0 0 0 0 0 0 0 172808 1612874
8 2019 46 12% 1612874 0 0 0 0 0 0 0 0 193545 1806419
9 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 2265972
11 2022 49 12% 2265972 0 0 0 0 0 0 0 0 271917 2537888
12 2023 50 12% 2537888 0 0 0 0 0 0 0 0 304547 2842435
13 2024 51 12% 2842435 0 0 0 0 0 0 0 0 341092 3183527
14 2025 52 12% 3183527 0 0 0 0 0 0 0 0 382023 3565550
15 2026 53 12% 3565550 0 0 0 0 0 0 0 0 427866 3993416
16 2027 54 12% 3993416 0 0 0 0 0 0 0 0 479210 4472626
17 2028 55 12% 4472626 0 0 0 0 0 0 0 0 536715 5009341
18 2029 56 12% 5009341 0 0 0 0 2527235 0 0 2527235 297853 2779959
19 2030 57 12% 2779959 0 0 0 0 2779959 0 0 2779959 0 0
20 2031 58 12% 0 0 0 0 0 0 0 0 0 0 0
21 2032 59 12% 0 0 0 0 0 0 0 0 0 0 0
22 2033 60 12% 0 0 0 0 0 0 0 0 0 0 0
23 2034 61 7% 0 0 0 0 0 0 0 0 0 0 0
24 2035 62 7% 0 0 0 0 0 0 0 0 0 0 0
25 2036 63 7% 0 0 0 0 0 0 0 0 0 0 0
26 2037 64 7% 0 0 0 0 0 0 0 0 0 0 0
27 2038 65 7% 0 0 0 0 0 0 0 0 0 0 0
28 2039 66 7% 0 0 0 0 0 0 0 0 0 0 0
29 2040 67 7% 0 0 0 0 0 0 0 0 0 0 0
30 2041 68 7% 0 0 0 0 0 0 0 0 0 0 0
try
31 2042 69 7% 0 0 0 0 0 0 0 0 0 0 0
h n
32 2043 70 7% 0 0 0 0 0 0 0 0 0 0 0
tis Pla
is
33 2044 71 7% 0 0 0 0 0 0 0 0 0 0 0
34 2045 72 7% 0 0 0 0 0 0 0 0 0 0 0
M
35 2046 73 7% 0 0 0 0 0 0 0 0 0 0 0
Sa ple
36 2047 74 7% 0 0 0 0 0 0 0 0 0 0 0
37 2048 75 7% 0 0 0 0 0 0 0 0 0 0 0
51 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0
By m
Sa
Analysis & Cash Flow Statement
Need-New Need-Home
Your Selection for Need-Motor Need-Bike for Need-Scooty for Need-2 Computer Total Amount
Residential Appliances /
Car Kevin Sandhya System Rs.
Financial Need House Furniture
Financial Goal Priority High Medium Medium Medium Medium Optional
Current Cost / Expenses -You wants to provide : 3500000 800000 70000 55000 80000 250000 4755000
Goal Cost / Expenses Will Grow @% wise 6% 6% 6% 6% 5% 0%

Inflation Effect
OR @Amountwise year on year 0 0 0 0 0 10000
Years left to Financial Goal Arrival 8 3 6 9 5 17

This period is
remain same in
To be required in Year / Or / Goal start beginning from Year 2020 2015 2018 2021 2017 2029 most of time,
try
except if there
h n
Requirement for Period / Total No. of Years 1 1 1 1 1 1
is early
tis Pla
Requirement up to Year 2020 2015 2018 2021 2017 2029
is
retirement
desired before
M
Fin. Goal year
Regular Investment to be required for No. of Years from today onwards 8 3 6 9 5 17 arrival.
Sa ple
Regular Investment to be required up to year from today onwards 2020 2015 2018 2021 2017 2029
By m
Sa

Short Term Required in Year / From Year 0 2015 0 0 0 0

Requirement (if any) Required Amount 0 952813 0 0 0 0 952813
Investment to be required @% 0 0 0 0 0 0 0
8% Lumpsum 0 756374 0 0 0 0 756374
Lump sum
Investment Need-New Need-Home
Need-Motor Need-Bike for Need-Scooty for Need-2 Computer Interest on Closing
Sr. No. Year Age Rate of Return Require / 0 Residential Appliances / Total Needs
Car Kevin Sandhya System Balance Amt. Balance
Opening House Furniture
Balance
1 2012 39 8% 756374 60510 816883
2 2013 40 8% 816883 0 0 0 0 0 0 0 65351 882234
try
3 2014 41 8% 882234 0 0 0 0 0 0 0 70579 952813
h n
tis Pla
4 2015 42 8% 952813 0 952813 0 0 0 0 952813 0 0
is
M
Sa ple
By m
Sa
Required in Year / From Year 0 0 2018 0 2017 0

Medium Term
Required Amount 0 0 99296 0 102103 0 201399
Requirement (if any) Investment to be required @% 0 0 0 0 0 0 0
9% Lumpsum 0 0 59207 0 66360 0 125567
15% Monthly 0 0 848 0 1138 0 1986
Lump sum
Balance
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

Pre Retirement
Required Amount 5578468 0 0 92921 0 420000 0 6091390
Regular
Investment
suggested upto
Goal Starting
Upto
Post Retirement
7% Lumpsum 2253050 0 0 33508 0 61171 0 2347729
Year -
try
h n
tis Pla
is
Quarterly 89693 0 0 1215 0 1353 0 92261
M
Sa ple
By m
Sa
Lump sum
Sr. No. Year Age Rate of Return Require / Residential Appliances / Total Needs
Balance
1 2012 39 12% 2347729 281727 2629456
2 2013 40 12% 2629456 0 0 0 0 0 0 0 315535 2944991
3 2014 41 12% 2944991 0 0 0 0 0 0 0 353399 3298390
4 2015 42 12% 3298390 0 0 0 0 0 0 0 395807 3694197
5 2016 43 12% 3694197 0 0 0 0 0 0 0 443304 4137500
6 2017 44 12% 4137500 0 0 0 0 0 0 0 496500 4634000
7 2018 45 12% 4634000 0 0 0 0 0 0 0 556080 5190080
8 2019 46 12% 5190080 0 0 0 0 0 0 0 622810 5812890
9 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 189987
11 2022 49 12% 189987 0 0 0 0 0 0 0 22798 212785
12 2023 50 12% 212785 0 0 0 0 0 0 0 25534 238319
13 2024 51 12% 238319 0 0 0 0 0 0 0 28598 266918
14 2025 52 12% 266918 0 0 0 0 0 0 0 32030 298948
15 2026 53 12% 298948 0 0 0 0 0 0 0 35874 334821
16 2027 54 12% 334821 0 0 0 0 0 0 0 40179 375000
17 2028 55 12% 375000 0 0 0 0 0 0 0 45000 420000
18 2029 56 12% 420000 0 0 0 0 0 420000 420000 0 0
19 2030 57 12% 0 0 0 0 0 0 0 0 0 0
20 2031 58 12% 0 0 0 0 0 0 0 0 0 0
21 2032 59 12% 0 0 0 0 0 0 0 0 0 0
22 2033 60 12% 0 0 0 0 0 0 0 0 0 0
23 2034 61 7% 0 0 0 0 0 0 0 0 0 0
24 2035 62 7% 0 0 0 0 0 0 0 0 0 0
25 2036 63 7% 0 0 0 0 0 0 0 0 0 0
26 2037 64 7% 0 0 0 0 0 0 0 0 0 0
27 2038 65 7% 0 0 0 0 0 0 0 0 0 0
28 2039 66 7% 0 0 0 0 0 0 0 0 0 0
29 2040 67 7% 0 0 0 0 0 0 0 0 0 0
30 2041 68 7% 0 0 0 0 0 0 0 0 0 0
31 2042 69 7% 0 0 0 0 0 0 0 0 0 0
32 2043 70 7% 0 0 0 0 0 0 0 0 0 0
try
h n
33 2044 71 7% 0 0 0 0 0 0 0 0 0 0
tis Pla
34 2045 72 7% 0 0 0 0 0 0 0 0 0 0
is
35 2046 73 7% 0 0 0 0 0 0 0 0 0 0
M
36 2047 74 7% 0 0 0 0 0 0 0 0 0 0
Sa ple
37 2048 75 7% 0 0 0 0 0 0 0 0 0 0
38 2049 76 7% 0 0 0 0 0 0 0 0 0 0
51 2062 89 0% 0 0 0 0 0 0 0 0 0 0
By m
Sa
Goal Status : Need-New

Residential
Need-Motor Need-Bike for Need-Scooty for Need-2 Computer
Need-Home
Appliances / Total Amount
Car Kevin Sandhya System
Particulars House Furniture

5578468 952813 99296 92921 102103 420000 7245601
0
Goal Funding through Sale of Assets 2216183 218700 0 0 0 0 2434883

Goal Funding through Future Loan 573051 257706 0 0 0 0 830757
Goal Funding through Financial Investments 2789234 476406 99296 92921 102103 0 3559961
0 0 0 0 0 420000 420000
100% 100% 100% 100% 100% 0% 94%
0% 0% 0% 0% 0% 100% 6%
Goal Gap Analysis

100%
90% Goal Shortfall

80%
70%
60% Investments
50%

30%
try
20%
h n
tis Pla
10%
is
0%
M
Need-New Residential Need-Motor Car Need-Bike for Kevin Need-Scooty for Need-2 Computer Need-Home
Sa ple
House Sandhya System Appliances / Furniture
By m
Sa

shortfall (if any)
8% Lumpsum 0 0 0 0 0 0 0
Lump sum
Balance
1 2012 39 8% 0 0 0
try
h n
2 2013 40 8% 0 0 0 0 0 0 0 0 0 0
tis Pla
is
3 2014 41 8% 0 0 0 0 0 0 0 0 0 0
M
4 2015 42 8% 0 0 0 0 0 0 0 0 0 0
Sa ple
By m
Sa

Medium Term
Required Amount 0 0 0 0 0 0 0
9% Lumpsum 0 0 0 0 0 0 0
15% Monthly 0 0 0 0 0 0 0
Lump sum
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

Pre Retirement
Required Amount 0 0 0 0 0 420000 420000
Required in Year / From Year Post 0 0 0 0 0 0
Long Term Required Amount Retirement 0 0 0 0 0 0 0
Regular
Investment
Requirement 0 0 0 0 0 0 0 Amount is
suggested upto
Required in Year / From Year Consolidated 0 0 0 0 0 2029
Goal Starting
Required Amount Requirement 0 0 0 0 0 420000 420000 Year
Lumpsum Investment to be required @% 0 0 0 0 0 0 0 OR
Upto
Post Retirement
7% Lumpsum 0 0 0 0 0 61171 61171
Year -
SIP OR Other Regular Investment Monthly 0 0 0 0 0 447 447 Whichever is
try
arising earlier.
h n
recommendations are for need away 5 Year Quarterly 0 0 0 0 0 1353 1353
tis Pla
is
period starts,whichever arises earlier only.- Half Yearly 0 0 0 0 0 2741 2741
M
@Projected Return ->> Yearly 0 0 0 0 0 5612 5612
Sa ple
By m
Sa
Lump sum
Balance
1 2012 39 12% 61171 7340 68511
2 2013 40 12% 68511 0 0 0 0 0 0 0 8221 76732
3 2014 41 12% 76732 0 0 0 0 0 0 0 9208 85940
4 2015 42 12% 85940 0 0 0 0 0 0 0 10313 96253
5 2016 43 12% 96253 0 0 0 0 0 0 0 11550 107804
6 2017 44 12% 107804 0 0 0 0 0 0 0 12936 120740
7 2018 45 12% 120740 0 0 0 0 0 0 0 14489 135229
8 2019 46 12% 135229 0 0 0 0 0 0 0 16227 151456
9 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 189987
11 2022 49 12% 189987 0 0 0 0 0 0 0 22798 212785
12 2023 50 12% 212785 0 0 0 0 0 0 0 25534 238319
13 2024 51 12% 238319 0 0 0 0 0 0 0 28598 266918
14 2025 52 12% 266918 0 0 0 0 0 0 0 32030 298948
15 2026 53 12% 298948 0 0 0 0 0 0 0 35874 334821
16 2027 54 12% 334821 0 0 0 0 0 0 0 40179 375000
17 2028 55 12% 375000 0 0 0 0 0 0 0 45000 420000
18 2029 56 12% 420000 0 0 0 0 0 420000 420000 0 0
19 2030 57 12% 0 0 0 0 0 0 0 0 0 0
20 2031 58 12% 0 0 0 0 0 0 0 0 0 0
21 2032 59 12% 0 0 0 0 0 0 0 0 0 0
22 2033 60 12% 0 0 0 0 0 0 0 0 0 0
23 2034 61 7% 0 0 0 0 0 0 0 0 0 0
24 2035 62 7% 0 0 0 0 0 0 0 0 0 0
25 2036 63 7% 0 0 0 0 0 0 0 0 0 0
26 2037 64 7% 0 0 0 0 0 0 0 0 0 0
27 2038 65 7% 0 0 0 0 0 0 0 0 0 0
28 2039 66 7% 0 0 0 0 0 0 0 0 0 0
29 2040 67 7% 0 0 0 0 0 0 0 0 0 0
30 2041 68 7% 0 0 0 0 0 0 0 0 0 0
try
31 2042 69 7% 0 0 0 0 0 0 0 0 0 0
h n
32 2043 70 7% 0 0 0 0 0 0 0 0 0 0
tis Pla
is
33 2044 71 7% 0 0 0 0 0 0 0 0 0 0
34 2045 72 7% 0 0 0 0 0 0 0 0 0 0
M
35 2046 73 7% 0 0 0 0 0 0 0 0 0 0
Sa ple
36 2047 74 7% 0 0 0 0 0 0 0 0 0 0
37 2048 75 7% 0 0 0 0 0 0 0 0 0 0
51 2062 89 0% 0 0 0 0 0 0 0 0 0 0
By m
Sa
Pre - Retirement Expenses Details

Current Current Retirement After Ret.you will be able to
Expenses Inflation effect on Expenses Expenses at Final Expenses Amount -
Year Age Current Expenses / Particulars Period Retirement Year reduce lump sum expenses
Amount Rs. Retirement - Rs. Retirement Year Onwards
%wise OR Amount wise
2012 39 %wise OR Amount wise ( In Years)
Personal Expenses 68400 6% 0 21 2033 232530 40% 0 139518
Housing Expenses 83400 6% 0 21 2033 283524 5% 0 269347
Food Expenses 104600 8% 0 21 2033 526539 5% 0 500212
Living Expenses 114600 7% 0 21 2033 474508 5% 0 450783 2130523
Health Expenses 52400 10% 0 21 2033 387773 -10% 0 426550
Entertainment Expenses 62000 10% 0 21 2033 458815 25% 0 344112
Total Amount Rs. 485400 2363690 Reduction >> 10% 2130523
8000000
6000000
Pre -Retirement Expenses 4000000
Post -Retirement Expenses 2000000
Post - Retirement Income -Expenses Details

Retirement year onwards Expenses Retirement year onwards Income
Retirement Retirement Expenses Inflation effect after retirement Retirement Retirement Retirement Income will rise Life Expectancy Less :
Retirement year onwards
Year Age Amount at Income from / Income Amount Retirement
Expenses / Particulars
Retirement Source Rs. Income - Rs.
2033 60 %wise Amt.wise %wise OR Amt.wise Age Upto Yr.
Personal Expenses 139518 6% 0 0 1110037 0% 0 80 2053
Total Period Housing Expenses 269347 6% 0 0 0 0% 0 80 2053

20
in Years Food Expenses 500212 6% 0 0 0 0% 0 80 2053
try
h n
Living Expenses 450783 6% 0 0 0 0% 0 80 2053 1110037
tis Pla
is
Life Expectancy Health Expenses 426550 10% 0 0 0 0% 0 80 2053
Entertainment Expenses
M
Year Age 344112 6% 0 80 2053
1110037
2053 80 Total Amount Rs. 2130523
Sa ple
By m
Net Expenses Rs. : ( Retirement onwards Expenses - Income ) - to be required at start of retirement period 1020485
Sa
Gross Retirement Corpus Need -Calculation Sheet

Amount needed in year Aggressive Moderate Rate Conservative
Calculation of Post Retirement Corpus with 3 scenario at different rate of return Rate (%) (%) Rate (%)
2033 60
Expenses amount at retirement year onwards ( As per Income - Expenses calculation sheet) 1020485 1020485 1020485
Post Retirement - Expected Rate of Return on Retirement Corpus 8% 7% 6%
Requirement duration : Total No. of Years ( Retirement Year to Life Expectancy Year ) 20 20 20
Total corpus to be required for retirement period ( upto 20 years) to cover post retirement expenses 29886121 32865924 36276567
Current Cost Current Cost - ( Inflation )

Add : Additional Requirement at Retirement
OR Target Amount will Rise @ % Or Amt. wise
Medical Expenses 500000 6% 0 1699782 1699782 1699782
Tour - Yatra 1000000 5% 0 2785963 2785963 2785963
Donation / Gift 1000000 5% 0 2785963 2785963 2785963
Reserve Balance 1000000 6% 0 3399564 3399564 3399564

10671271 10671271 10671271
Total corpus to be required at retirement to cover post retirement expenses &
40557391 43537194 46947838
Additional provisional fund requirement (if any)
Funds to be
required to Retirement
Retirement Retirement Need Retirement Need
Your Selection for provide regular Need Provision Total Amount
Need Provision Provision - Provision -
expenses from - Medical Rs.
Retirement Need Retirement year Expenses
- Tour - Yatra Donation / Gift Reserve Balance
onwards.
Financial Goal Priority High High Medium Low Optional
Current Cost / Expenses -You wants to provide : 485400 500000 1000000 1000000 1000000 3985400
Goal Cost / Expenses Will Grow @% wise As mentioned 6% 5% 5% 6%

Inflation Effect
OR @Amountwise year on year in above sheet
try
Years left to Financial Goal Arrival 21 21 21 21 21
h n
This period is
tis Pla
remain same in
is
To be required in Year / Or / Goal start beginning from Year 2033 2033 2033 2033 2033 most of time,
M
Requirement for Period / Total No. of Years 1 1 1 1 1 except if there
is early
Sa ple
Requirement up to Year 2033 2033 2033 2033 2033 retirement
desired before
Fin. Goal year
By m
Regular Investment to be required for No. of Years from today onwards 21 21 21 21 21 arrival.
Regular Investment to be required up to year from today onwards 2033 2033 2033 2033 2033
Sa

Short Term Required in Year / From Year 0 0 0 0 0

Requirement (if any) Required Amount 0 0 0 0 0 0
Investment to be required @% 0 0 0 0 0 0
8% Lumpsum 0 0 0 0 0 0
Lump sum Funds to be

Retirement
Investment required to Retirement Retirement Need Retirement Need
Need Provision Interest on Closing
Sr. No. Year Age Rate of Return Require / 0 provide regular Need Provision Provision - Provision - Total Needs
- Medical Balance Amt. Balance
Opening expenses from - Tour - Yatra Donation / Gift Reserve Balance
Expenses
try
Balance Retirement year
h n
1 2012 39 8% 0 0 0
tis Pla
is
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
M
4 2015 42 8% 0 0 0 0 0 0 0 0 0
Sa ple
By m
Sa
Required in Year / From Year 0 0 0 0 0

Medium Term
Required Amount 0 0 0 0 0 0
Requirement (if any) Investment to be required @% 0 0 0 0 0 0
9% Lumpsum 0 0 0 0 0 0
15% Monthly 0 0 0 0 0 0
Funds to be
Lump sum
Investment Retirement Retirement Need Retirement Need
provide regular Need Provision Interest on Closing
Sr. No. Year Age Rate of Return Require / 0 Need Provision Provision - Provision - Total Needs
expenses from - Medical Balance Amt. Balance
Opening - Tour - Yatra Donation / Gift Reserve Balance
Retirement year Expenses
Balance
onwards.
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

Pre Retirement
Regular
Investment
Requirement 0 0 0 0 0 0 0 Amount is
suggested upto
Required in Year / From Year Consolidated 2034 2034 2034 2034 2034 0
Goal Starting
Lumpsum Investment to be required @% 0 0 0 0 0 0 0 OR
Upto
Post Retirement
7% Lumpsum 2716122 140474 230239 230239 280948 0 3598023
Year -
try
arising earlier.
h n
recommendations are for need away 5 Year Quarterly 76706 3967 6502 6502 7934 0 101612
tis Pla
is
M
Yearly 317230 16407 26891 26891 32813 0 420231
Sa ple
By m
Sa
Lump sum Investment to be required for each Goal 0 2716122 140474 230239 230239 280948 3598023 Total Lump sum amt. required
Monthly Investment (up to Goal Start ) to be required for each Goal 0 25362 1312 2150 2150 2623 33596 Total amt. required - Monthly
Funds to be
Lump sum
Sr. No. Year Age Rate of Return Require / Need Provision Provision - Provision - Total Needs
Balance
onwards.
1 2012 39 12% 3598023 431763 4029786
2 2013 40 12% 4029786 0 0 0 0 0 0 483574 4513360
3 2014 41 12% 4513360 0 0 0 0 0 0 541603 5054963
4 2015 42 12% 5054963 0 0 0 0 0 0 606596 5661559
5 2016 43 12% 5661559 0 0 0 0 0 0 679387 6340946
6 2017 44 12% 6340946 0 0 0 0 0 0 760914 7101859
7 2018 45 12% 7101859 0 0 0 0 0 0 852223 7954083
8 2019 46 12% 7954083 0 0 0 0 0 0 954490 8908573
9 2020 47 12% 8908573 0 0 0 0 0 0 1069029 9977601
10 2021 48 12% 9977601 0 0 0 0 0 0 1197312 11174913
11 2022 49 12% 11174913 0 0 0 0 0 0 1340990 12515903
12 2023 50 12% 12515903 0 0 0 0 0 0 1501908 14017811
13 2024 51 12% 14017811 0 0 0 0 0 0 1682137 15699949
14 2025 52 12% 15699949 0 0 0 0 0 0 1883994 17583942
15 2026 53 12% 17583942 0 0 0 0 0 0 2110073 19694016
16 2027 54 12% 19694016 0 0 0 0 0 0 2363282 22057297
17 2028 55 12% 22057297 0 0 0 0 0 0 2646876 24704173
18 2029 56 12% 24704173 0 0 0 0 0 0 2964501 27668674
19 2030 57 12% 27668674 0 0 0 0 0 0 3320241 30988915
20 2031 58 12% 30988915 0 0 0 0 0 0 3718670 34707585
21 2032 59 12% 34707585 0 0 0 0 0 0 4164910 38872495
22 2033 60 12% 38872495 0 0 0 0 0 0 4664699 43537194
23 2034 61 7% 43537194 1165379 1699782 2785963 2785963 3399564 11836649 2219038 33919583
24 2035 62 7% 33919583 1320672 0 0 0 0 1320672 2281924 34880835
25 2036 63 7% 34880835 1487159 0 0 0 0 1487159 2337557 35731233
26 2037 64 7% 35731233 1665701 0 0 0 0 1665701 2384587 36450120
27 2038 65 7% 36450120 1857225 0 0 0 0 1857225 2421503 37014397
28 2039 66 7% 37014397 2062740 0 0 0 0 2062740 2446616 37398274
29 2040 67 7% 37398274 2283333 0 0 0 0 2283333 2458046 37572987
30 2041 68 7% 37572987 2520184 0 0 0 0 2520184 2453696 37506499
31 2042 69 7% 37506499 2774571 0 0 0 0 2774571 2431235 37163162
32 2043 70 7% 37163162 3047879 0 0 0 0 3047879 2388070 36503353
33 2044 71 7% 36503353 3341609 0 0 0 0 3341609 2321322 35483067
34 2045 72 7% 35483067 3657387 0 0 0 0 3657387 2227798 34053477
35 2046 73 7% 34053477 3996981 0 0 0 0 3996981 2103955 32160451
try
h n
36 2047 74 7% 32160451 4362304 0 0 0 0 4362304 1945870 29744017
37 2048 75 7% 29744017 4755438 0 0 0 0 4755438 1749201 26737779
tis Pla
is
38 2049 76 7% 26737779 5178639 0 0 0 0 5178639 1509140 23068280
M
39 2050 77 7% 23068280 5634359 0 0 0 0 5634359 1220374 18654296
40 2051 78 7% 18654296 6125262 0 0 0 0 6125262 877032 13406066
Sa ple
41 2052 79 7% 13406066 6654243 0 0 0 0 6654243 472628 7224450
42 2053 80 0% 7224450 7224450 0 0 0 0 7224450 0 0
By m
43 2054 81 0% 0 0 0 0 0 0 0 0 0
44 2055 82 0% 0 0 0 0 0 0 0 0 0
Sa
45 2056 83 0% 0 0 0 0 0 0 0 0 0
Funds to be
Goal Status : provide regular Need Provision
Retirement
Need Provision
Retirement Need Retirement Need
Provision - Provision - 0 Total Amount
expenses from - Medical
Particulars Retirement year Expenses
- Tour - Yatra Donation / Gift Reserve Balance
onwards.

71115515 1699782 2785963 2785963 3399564 81786786
32503095 1699782 2785963 2785963 3399564 43174365
with your Actual Cash Flow : Goal Funding through Investment
38612420 0 0 0 0 38612420
46% 100% 100% 100% 100% 53%
54% 0% 0% 0% 0% 47%
Goal Gap Analysis

100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
Funds to be required to Retirement Need Provision - Retirement Need Provision - Retirement Need Provision - Retirement Need Provision -
provide regular expenses from Medical Expenses Tour - Yatra Donation / Gift Reserve Balance
Retirement year onwards.
try
h n
Goal Funding through Investment Goal Shortfall
tis Pla
is
M
Sa ple
By m
Sa

shortfall (if any)

8% Lumpsum 0 0 0 0 0 0
Funds to be
Lump sum
Sr. No. Year Age Rate of Return Require / Need Provision Provision - Provision - 0 Total Needs
Balance
onwards.
1 2012 39 8% 0 0 0
2 2013 40 8% 0 0 0 0 0 0 0 0 0
try
h n
3 2014 41 8% 0 0 0 0 0 0 0 0 0
tis Pla
is
4 2015 42 8% 0 0 0 0 0 0 0 0 0
M
Sa ple
By m
Sa

Medium Term
9% Lumpsum 0 0 0 0 0 0
15% Monthly 0 0 0 0 0 0
Funds to be
Lump sum
Sr. No. Year Age Rate of Return Require / 0 Need Provision Provision - Provision - 0 Total Needs
Balance
onwards.
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

Pre Retirement
Required in Year / From Year Post 2034 0 0 0 0
Long Term Required Amount Retirement 38612420 0 0 0 0 38612420
Regular
Investment
Requirement 0 0 0 0 0 0 Amount is
suggested upto
Required in Year / From Year Consolidated 2034 0 0 0 0 Goal Starting
Required Amount Requirement 38612420 0 0 0 0 38612420 Year
Lumpsum Investment to be required @% 0 0 0 0 0 0 OR
Upto
Post Retirement
Pre Retirement 12% 7% Lumpsum 1057555 0 0 0 0 1057555
try
Retirement
Year -
h n
SIP OR Other Regular Investment Monthly 9875 0 0 0 0 9875 Whichever is
tis Pla
is
recommendations are for need away 5 Year Quarterly 29866 0 0 0 0 29866
arising earlier.
M
period starts,whichever arises earlier only.- Half Yearly 60435 0 0 0 0 60435
Sa ple
@Projected Return ->> Yearly 123517 0 0 0 0 123517
By m
Sa
Funds to be
Lump sum
Sr. No. Year Age Rate of Return Require / Need Provision Provision - Provision - Total Needs
Balance
onwards.
1 2012 39 12% 1057555 126907 1184462
2 2013 40 12% 1184462 0 0 0 0 0 0 142135 1326597
3 2014 41 12% 1326597 0 0 0 0 0 0 159192 1485789
4 2015 42 12% 1485789 0 0 0 0 0 0 178295 1664084
5 2016 43 12% 1664084 0 0 0 0 0 0 199690 1863774
6 2017 44 12% 1863774 0 0 0 0 0 0 223653 2087427
7 2018 45 12% 2087427 0 0 0 0 0 0 250491 2337918
8 2019 46 12% 2337918 0 0 0 0 0 0 280550 2618468
9 2020 47 12% 2618468 0 0 0 0 0 0 314216 2932684
10 2021 48 12% 2932684 0 0 0 0 0 0 351922 3284606
11 2022 49 12% 3284606 0 0 0 0 0 0 394153 3678759
12 2023 50 12% 3678759 0 0 0 0 0 0 441451 4120210
13 2024 51 12% 4120210 0 0 0 0 0 0 494425 4614635
14 2025 52 12% 4614635 0 0 0 0 0 0 553756 5168391
15 2026 53 12% 5168391 0 0 0 0 0 0 620207 5788598
16 2027 54 12% 5788598 0 0 0 0 0 0 694632 6483230
17 2028 55 12% 6483230 0 0 0 0 0 0 777988 7261218
18 2029 56 12% 7261218 0 0 0 0 0 0 871346 8132564
19 2030 57 12% 8132564 0 0 0 0 0 0 975908 9108471
20 2031 58 12% 9108471 0 0 0 0 0 0 1093017 10201488
21 2032 59 12% 10201488 0 0 0 0 0 0 1224179 11425666
22 2033 60 12% 11425666 0 0 0 0 0 0 1371080 12796746
23 2034 61 7% 12796746 0 0 0 0 0 0 895772 13692519
24 2035 62 7% 13692519 0 0 0 0 0 0 958476 14650995
25 2036 63 7% 14650995 0 0 0 0 0 0 1025570 15676565
26 2037 64 7% 15676565 0 0 0 0 0 0 1097360 16773924
27 2038 65 7% 16773924 0 0 0 0 0 0 1174175 17948099
28 2039 66 7% 17948099 0 0 0 0 0 0 1256367 19204466
29 2040 67 7% 19204466 0 0 0 0 0 0 1344313 20548778
30 2041 68 7% 20548778 0 0 0 0 0 0 1438414 21987193
31 2042 69 7% 21987193 0 0 0 0 0 0 1539104 23526296
32 2043 70 7% 23526296 0 0 0 0 0 0 1646841 25173137
33 2044 71 7% 25173137 0 0 0 0 0 0 1762120 26935257
34 2045 72 7% 26935257 0 0 0 0 0 0 1885468 28820725
try
h n
35 2046 73 7% 28820725 0 0 0 0 0 0 2017451 30838175
36 2047 74 7% 30838175 3040029 0 0 0 0 3040029 1945870 29744017
tis Pla
is
37 2048 75 7% 29744017 4755438 0 0 0 0 4755438 1749201 26737779
M
38 2049 76 7% 26737779 5178639 0 0 0 0 5178639 1509140 23068280
39 2050 77 7% 23068280 5634359 0 0 0 0 5634359 1220374 18654296
Sa ple
40 2051 78 7% 18654296 6125262 0 0 0 0 6125262 877032 13406066
41 2052 79 7% 13406066 6654243 0 0 0 0 6654243 472628 7224450
By m
42 2053 80 0% 7224450 7224450 0 0 0 0 7224450 0 0
43 2054 81 0% 0 0 0 0 0 0 0 0 0
Sa
44 2055 82 0% 0 0 0 0 0 0 0 0 0
Separate Retirement Plan Calculation Sheet For Working Couple to find Investment Need with Retirement Corpus
Total Retirement Corpus to be required at Retirement : 40557391 43537194 46947838

8% 7% 6%
Retirement
Year Age
Less : Amount receivable towards retirement benefits / other investment contributed for retirements
Amar Patel Value of Retirement Benefit Corpus
Retirement benefits corpus
2033 60 Amar Patel- in 2033 Sangita Patel- in 2036
Sangita Patel EPF & EPS Valuation at Retirement 6307986 0 6307986 6307986 6307986
2036 60 Gratuity Value at Retirement 904327 0 904327 904327 904327
Total : 7212313 Total : 0 7212313 7212313 7212313
Other Investment / Retirement Corpus
PPF Valuation of all Accounts 1139315 1139315 1139315

Mutual Fund -SIP Valuation (Retirement) 7565021 7565021 7565021
8704336 8704336 8704336
Total value of retirement benefit corpus at Retirement Rs. :: 15916649 15916649 15916649
2033 60 Therefore, total amount to be accumulated at retirement year 24640742 27620545 31031189
Current Current
Year Age So, as of today how much amount to be invested to build retirement corpus
2012 39 Aggressive Moderate Conservative
Assumed Return - Pre Retirement 15% 12% 9%

Investment Tenure ( Years) 22 22 22
total Corpus to be accumulated 24640742 27620545 31031189 24640742 27620545 31031189 24640742 27620545 31031189
Aggressive Moderate Conservative Aggressive Moderate Conservative Aggressive Moderate Conservative

Assumed Return - Post Retirement 8% 7% 6% 8% 7% 6% 8% 7% 6%
Yearly Investment to be required 155682 174508 196057 237838 266600 299520 359551 403032 452799
Monthly Investment to be required 12049 13506 15173 19205 21527 24185 29858 33469 37602
try
Lump sum Investment to be required 1138417 1276085 1433659 2036373 2282631 2564495 3700589 4148101 4660317
h n
tis Pla
is
M
Sa ple
By m
Sa
Retirement Planning : Cash Flow Statement

Pre-Retirement Rate of Return on Investment :: Select Here 12% 7% Select Here :: Post-Retirement Rate of Return on Investment
Amar Patel Sangita Patel Retirement Benefits & Corpus Value Retirement Needs
Required Fund
Opening Maturity Value Blanace each Reserve Fund - Interest Closing
Sr. Year Fund for Yearly Net_Need_Rs. Interest Rate%
Age Age Balance Rs. Amar Patel Sangita Patel of other Provisional Amount Rs. Balance Rs.
year Expenses
Investments Requirement
1 2012 39 36 2282631 0 0 Rs. 0 2282631 0 0 2282631 12% 273916 2556547
2 2013 40 37 2556547 0 0 0 2556547 0 0 2556547 12% 306786 2863333
3 2014 41 38 2863333 0 0 0 2863333 0 0 2863333 12% 343600 3206932
4 2015 42 39 3206932 0 0 0 3206932 0 0 3206932 12% 384832 3591764
5 2016 43 40 3591764 0 0 0 3591764 0 0 3591764 12% 431012 4022776
6 2017 44 41 4022776 0 0 0 4022776 0 0 4022776 12% 482733 4505509
7 2018 45 42 4505509 0 0 0 4505509 0 0 4505509 12% 540661 5046170
8 2019 46 43 5046170 0 0 0 5046170 0 0 5046170 12% 605540 5651711
9 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 7089506
11 2022 49 46 7089506 0 0 0 7089506 0 0 7089506 12% 850741 7940247
12 2023 50 47 7940247 0 0 0 7940247 0 0 7940247 12% 952830 8893076
13 2024 51 48 8893076 0 0 0 8893076 0 0 8893076 12% 1067169 9960245
14 2025 52 49 9960245 0 0 0 9960245 0 0 9960245 12% 1195229 11155475
15 2026 53 50 11155475 0 0 0 11155475 0 0 11155475 12% 1338657 12494132
16 2027 54 51 12494132 0 0 0 12494132 0 0 12494132 12% 1499296 13993428
17 2028 55 52 13993428 0 0 0 13993428 0 0 13993428 12% 1679211 15672639
18 2029 56 53 15672639 0 0 0 15672639 0 0 15672639 12% 1880717 17553355
19 2030 57 54 17553355 0 0 0 17553355 0 0 17553355 12% 2106403 19659758
20 2031 58 55 19659758 0 0 0 19659758 0 0 19659758 12% 2359171 22018929
21 2032 59 56 22018929 0 0 0 22018929 0 0 22018929 12% 2642271 24661201
22 2033 60 57 24661201 0 0 0 24661201 0 0 24661201 12% 2959344 27620545
23 2034 61 58 27620545 7212313 0 8704336 43537194 10671271 1165379 31700545 7% 2219038 33919583
24 2035 62 59 33919583 0 0 0 33919583 0 1320672 32598911 7% 2281924 34880835
25 2036 63 60 34880835 0 0 0 34880835 0 1487159 33393676 7% 2337557 35731233
26 2037 64 61 35731233 0 0 0 35731233 0 1665701 34065533 7% 2384587 36450120
27 2038 65 62 36450120 0 0 0 36450120 0 1857225 34592895 7% 2421503 37014397
28 2039 66 63 37014397 0 0 0 37014397 0 2062740 34951657 7% 2446616 37398274
29 2040 67 64 37398274 0 0 0 37398274 0 2283333 35114941 7% 2458046 37572987
30 2041 68 65 37572987 0 0 0 37572987 0 2520184 35052803 7% 2453696 37506499
31 2042 69 66 37506499 0 0 0 37506499 0 2774571 34731927 7% 2431235 37163162
32 2043 70 67 37163162 0 0 0 37163162 0 3047879 34115283 7% 2388070 36503353
33 2044 71 68 36503353 0 0 0 36503353 0 3341609 33161744 7% 2321322 35483067
34 2045 72 69 35483067 0 0 0 35483067 0 3657387 31825679 7% 2227798 34053477
35 2046 73 70 34053477 0 0 0 34053477 0 3996981 30056496 7% 2103955 32160451
36 2047 74 71 32160451 0 0 0 32160451 0 4362304 27798146 7% 1945870 29744017
37 2048 75 72 29744017 0 0 0 29744017 0 4755438 24988579 7% 1749201 26737779
38 2049 76 73 26737779 0 0 0 26737779 0 5178639 21559140 7% 1509140 23068280
39 2050 77 74 23068280 0 0 0 23068280 0 5634359 17433921 7% 1220374 18654296
try
40 2051 78 75 18654296 0 0 0 18654296 0 6125262 12529034 7% 877032 13406066
h n
41 2052 79 76 13406066 0 0 0 13406066 0 6654243 6751823 7% 472628 7224450
tis Pla
is
42 2053 80 77 7224450 0 0 0 7224450 0 7224450 0 7% 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0% 0 0
M
0 0 0 0 0 0 0 0 0 0 0 0 0% 0 0
Sa ple
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
By m
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
Sa
0 0 0 0 0 0 0 0 0 0 0 0 0% 0 0
0
5000000
10000000
15000000
20000000
25000000
30000000
35000000
40000000
2012
2013
2014
2015
2282631
2016
2556547
2017
2863333
2018
3206932
2019
3591764
2020
4022776
Retirement Need
2021
4505509
2022
5046170
2023
5651711
2024
6329916
2025
7089506
2026
7940247
2027
8893076
2028
9960245
2029
11155475
2030
12494132
2031
13993428
2032
15672639
2033
Retirement Corpus
17553355
2034
19659758
2035
22018929
2036
24661201
2037
27620545
2038
33919583
2039
34880835
2040
35731233
2041
36450120
2042
37014397
2043
37398274
2044
37572987
Contact : Satish Mistry, Email: moneycarefp@gmail.com
2045
37506499
Interest on Balance
2046
37163162
2047
36503353
Retirement Cash Flow
2048
35483067
2049
34053477
2050
32160451
2051
29744017
2052
26737779
2053
23068280
18654296
13406066
7224450
Retirement Need
Retirement Corpus
Interest on Balance
Required Balance Each Year
Required Balance Each Year
Sa
By m
Sa ple
70
30/09/2012
tis Pla
h n
M
is
try
Dream-Create
Your Selection for Dream-Farm Dream-Domestic Dream-Foreign Total Amount
Wealth for
House & Land Long Tour Tour Rs.
Financial Dream Family
Financial Goal Priority Optional Optional 0 Optional Optional
Current Cost / Expenses -You wants to provide : 3000000 5000000 0 40000 250000 8290000
Goal Cost / Expenses Will Grow @% wise 6% 0% 0% 5% 5%

Inflation Effect
OR @Amountwise year on year 0 0 0 0 0
Years left to Financial Goal Arrival 18 38 0 18 23

This period is
remain same in
To be required in Year / Or / Goal start beginning from Year 2030 2050 0 2030 2035 most of time,
Requirement for Period / Total No. of Years 1 1 0 16 21 except if there
is early
Requirement up to Year 2030 2050 0 2045 2055 retirement
desired before
try
Fin. Goal year
h n
Regular Investment to be required for No. of Years from today onwards 18 21 0 18 21 arrival.
tis Pla
is
Regular Investment to be required up to year from today onwards 2030 2033 0 2030 2033
M
Sa ple
By m
Sa


8% Lumpsum 0 0 0 0 0 0
Lump sum
Investment Dream-Create
Dream-Farm Dream-Domestic Dream-Foreign Interest on Closing
Sr. No. Year Age Rate of Return Require / 0 Wealth for Total Needs
House & Land Long Tour Tour Balance Amt. Balance
Opening Family
Balance
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
try
h n
4 2015 42 8% 0 0 0 0 0 0 0 0 0
tis Pla
is
M
Sa ple
By m
Sa

Medium Term
9% Lumpsum 0 0 0 0 0 0
15% Monthly 0 0 0 0 0 0
Lump sum
Sr. No. Year Age Rate of Return Require / 0 Wealth for Total Needs
Opening Family
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

Pre Retirement
Required Amount 8563017 0 0 207703 0 0 8770721
Regular
Investment
Requirement 0 0 0 0 0 0 0
Amount is
suggested upto
Required in Year / From Year Consolidated 2030 2050 0 2030 2035 0 Goal Starting
Lumpsum Investment to be required @% 0 0 0 0 0 0 0
OR
Upto
Post Retirement
7% Lumpsum 1113531 139969 0 57117 207075 0 1517693
Year -
recommendations are for need away 5 Year Quarterly 23514 2496 0 1206 3693 0 30909 arising earlier.
try
@Projected Return ->> Yearly 98186 10701 0 5036 15831 0 129755
h n
tis Pla
is
M
Sa ple
By m
Sa
Lump sum
Sr. No. Year Age Rate of Return Require / Wealth for N.A. Total Needs
Opening Family
Balance
1 2012 39 12% 1517693 182123 1699816
2 2013 40 12% 1699816 0 0 0 0 0 0 203978 1903794
3 2014 41 12% 1903794 0 0 0 0 0 0 228455 2132249
4 2015 42 12% 2132249 0 0 0 0 0 0 255870 2388119
5 2016 43 12% 2388119 0 0 0 0 0 0 286574 2674693
6 2017 44 12% 2674693 0 0 0 0 0 0 320963 2995657
7 2018 45 12% 2995657 0 0 0 0 0 0 359479 3355135
8 2019 46 12% 3355135 0 0 0 0 0 0 402616 3757752
9 2020 47 12% 3757752 0 0 0 0 0 0 450930 4208682
10 2021 48 12% 4208682 0 0 0 0 0 0 505042 4713724
11 2022 49 12% 4713724 0 0 0 0 0 0 565647 5279370
12 2023 50 12% 5279370 0 0 0 0 0 0 633524 5912895
13 2024 51 12% 5912895 0 0 0 0 0 0 709547 6622442
14 2025 52 12% 6622442 0 0 0 0 0 0 794693 7417135
15 2026 53 12% 7417135 0 0 0 0 0 0 890056 8307192
16 2027 54 12% 8307192 0 0 0 0 0 0 996863 9304055
17 2028 55 12% 9304055 0 0 0 0 0 0 1116487 10420541
18 2029 56 12% 10420541 0 0 0 0 0 0 1250465 11671006
19 2030 57 12% 11671006 8563017 0 0 96265 0 8659282 361407 3373131
20 2031 58 12% 3373131 0 0 0 0 0 0 404776 3777906
21 2032 59 12% 3777906 0 0 0 0 0 0 453349 4231255
22 2033 60 12% 4231255 0 0 0 111439 0 111439 494378 4614195
23 2034 61 7% 4614195 0 0 0 0 0 0 322994 4937188
24 2035 62 7% 4937188 0 0 0 0 767881 767881 291852 4461159
25 2036 63 7% 4461159 0 0 0 129004 0 129004 303251 4635406
26 2037 64 7% 4635406 0 0 0 0 0 0 324478 4959884
27 2038 65 7% 4959884 0 0 0 0 0 0 347192 5307076
28 2039 66 7% 5307076 0 0 0 149338 0 149338 361042 5518779
29 2040 67 7% 5518779 0 0 0 0 980032 980032 317712 4856459
30 2041 68 7% 4856459 0 0 0 0 0 0 339952 5196411
31 2042 69 7% 5196411 0 0 0 172878 0 172878 351647 5375181
32 2043 70 7% 5375181 0 0 0 0 0 0 376263 5751444
33 2044 71 7% 5751444 0 0 0 0 0 0 402601 6154045
34 2045 72 7% 6154045 0 0 0 200128 1250797 1450925 329218 5032339
try
h n
35 2046 73 7% 5032339 0 0 0 0 0 0 352264 5384602
tis Pla
36 2047 74 7% 5384602 0 0 0 0 0 0 376922 5761524
is
37 2048 75 7% 5761524 0 0 0 0 0 0 403307 6164831
M
38 2049 76 7% 6164831 0 0 0 0 0 0 431538 6596369
Sa ple
39 2050 77 7% 6596369 0 5000000 0 0 1596369 6596369 0 0
40 2051 78 7% 0 0 0 0 0 0 0 0 0
41 2052 79 7% 0 0 0 0 0 0 0 0 0
By m
42 2053 80 0% 0 0 0 0 0 0 0 0 0
Sa
43 2054 81 0% 0 0 0 0 0 0 0 0 0
44 2055 82 0% 0 0 0 0 0 0 0 0 0
Goal Status : Dream-Farm

Dream-Create
Wealth for
Dream-Domestic Dream-Foreign
Total Amount
House & Land Long Tour Tour
Particulars Family

8563017 5000000 0 859051 4595080 19017148
0
Goal Funding through Sale of Assets 0 0 0 0 0 0

Goal Funding through Future Loan 0 0 0 0 0 0
Goal Funding through Financial Investments 0 0 0 762786 2998710 3761496
8563017 5000000 0 96265 1596369 15255652
0% 0% 0% 89% 65% 20%
100% 100% 0% 11% 35% 80%
Goal Gap Analysis

100%
90% Goal Shortfall

80%
70%
60% Investments
50%

30%
20%
10%
try
h n
0%
tis Pla
Dream-Farm House & Dream-Create Wealth Dream-Domestic Long Dream-Foreign Tour
is
Land for Family Tour
M
Sa ple
By m
Sa

shortfall (if any)

8% Lumpsum 0 0 0 0 0 0 0
Lump sum
Sr. No. Year Age Rate of Return Require / Wealth for 0 Total Needs
Opening Family
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
try
h n
tis Pla
is
M
Sa ple
By m
Sa
Medium Term
9% Lumpsum 0 0 0 0 0 0 0
15% Monthly 0 0 0 0 0 0 0
Lump sum
Sr. No. Year Age Rate of Return Require / 0 Wealth for 0 Total Needs
Opening Family
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

Pre Retirement
Required Amount 8563017 0 0 96265 0 8659282
Required in Year / From Year Post 0 2034 0 0 2034
Regular
Investment
Requirement 0 0 0 0 0 0 Amount is
suggested upto
Required in Year / From Year Consolidated 2030 2034 0 2030 2034
Goal Starting
Lumpsum Investment to be required @% 0 0 0 0 0 0 OR
Upto
Post Retirement
7% Lumpsum 1113531 139969 0 12518 44689 1310707
Year -
SIP OR Other Regular Investment Monthly 7755 818 0 87 261 8921 Whichever is
Quarterly 23514 2496 0 264 797 27072
period starts,whichever arises earlier only.- Half Yearly 47750 5116 0 537 1633 55036
@Projected Return ->> Yearly 98186 10701 0 1104 3416 113407
try
h n
tis Pla
is
M
Sa ple
By m
Sa
Lump sum
Sr. No. Year Age Rate of Return Require / Wealth for Total Needs
Opening Family
Balance
1 2012 39 12% 1310707 157285 1467992
2 2013 40 12% 1467992 0 0 0 0 0 0 176159 1644151
3 2014 41 12% 1644151 0 0 0 0 0 0 197298 1841450
4 2015 42 12% 1841450 0 0 0 0 0 0 220974 2062424
5 2016 43 12% 2062424 0 0 0 0 0 0 247491 2309914
6 2017 44 12% 2309914 0 0 0 0 0 0 277190 2587104
7 2018 45 12% 2587104 0 0 0 0 0 0 310452 2897557
8 2019 46 12% 2897557 0 0 0 0 0 0 347707 3245263
9 2020 47 12% 3245263 0 0 0 0 0 0 389432 3634695
10 2021 48 12% 3634695 0 0 0 0 0 0 436163 4070858
11 2022 49 12% 4070858 0 0 0 0 0 0 488503 4559361
12 2023 50 12% 4559361 0 0 0 0 0 0 547123 5106485
13 2024 51 12% 5106485 0 0 0 0 0 0 612778 5719263
14 2025 52 12% 5719263 0 0 0 0 0 0 686312 6405575
15 2026 53 12% 6405575 0 0 0 0 0 0 768669 7174244
16 2027 54 12% 7174244 0 0 0 0 0 0 860909 8035153
17 2028 55 12% 8035153 0 0 0 0 0 0 964218 8999371
18 2029 56 12% 8999371 0 0 0 0 0 0 1079925 10079296
19 2030 57 12% 10079296 8563017 0 0 96265 0 8659282 170402 1590415
20 2031 58 12% 1590415 0 0 0 0 0 0 190850 1781265
21 2032 59 12% 1781265 0 0 0 0 0 0 213752 1995017
22 2033 60 12% 1995017 0 0 0 0 0 0 239402 2234419
23 2034 61 7% 2234419 0 0 0 0 0 0 156409 2390828
24 2035 62 7% 2390828 0 0 0 0 0 0 167358 2558186
25 2036 63 7% 2558186 0 0 0 0 0 0 179073 2737259
26 2037 64 7% 2737259 0 0 0 0 0 0 191608 2928867
27 2038 65 7% 2928867 0 0 0 0 0 0 205021 3133888
28 2039 66 7% 3133888 0 0 0 0 0 0 219372 3353260
29 2040 67 7% 3353260 0 0 0 0 0 0 234728 3587988
30 2041 68 7% 3587988 0 0 0 0 0 0 251159 3839147
31 2042 69 7% 3839147 0 0 0 0 0 0 268740 4107887
32 2043 70 7% 4107887 0 0 0 0 0 0 287552 4395439
33 2044 71 7% 4395439 0 0 0 0 0 0 307681 4703120
34 2045 72 7% 4703120 0 0 0 0 0 0 329218 5032339
try
35 2046 73 7% 5032339 0 0 0 0 0 0 352264 5384602
h n
36 2047 74 7% 5384602 0 0 0 0 0 0 376922 5761524
tis Pla
is
37 2048 75 7% 5761524 0 0 0 0 0 0 403307 6164831
38 2049 76 7% 6164831 0 0 0 0 0 0 431538 6596369
M
39 2050 77 7% 6596369 0 5000000 0 0 1596369 6596369 0 0
Sa ple
40 2051 78 7% 0 0 0 0 0 0 0 0 0
41 2052 79 7% 0 0 0 0 0 0 0 0 0
By m
42 2053 80 0% 0 0 0 0 0 0 0 0 0
43 2054 81 0% 0 0 0 0 0 0 0 0 0
Sa
44 2055 82 0% 0 0 0 0 0 0 0 0 0
Child Future - Child Future -

Future Need Retirement Future Dream Total Amount
Consolidated Goal - Cash Flow Planning For- Planning For-
Planning Planning Planning Rs.
Kevin Sandhya
Short Term Required in Year / From Year

Investment to be required @% 0
8% Lumpsum 155624 144513 756374 0 0 1056511
Lump sum
Investment Child Future - Child Future -
Future Need Retirement Future Dream Interest on Closing
Sr. No. Year Age Rate of Return Require / 0 Planning For- Planning For- Total Needs
Planning Planning Planning Balance Amt. Balance
Opening Kevin Sandhya
try
Balance
h n
1 2012 39 8% 1056511 84521 1141032
tis Pla
is
2 2013 40 8% 1141032 55000 53000 0 0 0 108000 82643 1115674
M
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
Sa ple
By m
Sa
Required in Year / From Year
Medium Term
Required Amount 679489 276143 201399 0 0 1157030
Requirement (if any) Investment to be required @% 0
9% Lumpsum 420627 171624 125567 0 0 717817
15% Monthly 0
Lump sum
Sr. No. Year Age Rate of Return Require / 0 Planning For- Planning For- Total Needs
Balance
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

Pre Retirement
Required Amount 9777143 11169724 6091390 0 8770721 35808978
Required in Year / From Year Post
Regular
Investment
Requirement 0 Amount is
suggested upto
Required in Year / From Year Consolidated Goal Starting
Lumpsum Investment to be required @% 0 OR
Upto
Post Retirement
7% Lumpsum 2069700 1760718 2347729 3598023 1517693 11293862
Year -
SIP OR Other Regular Investment Monthly 0 Whichever is
Quarterly 0
period starts,whichever arises earlier only.- Half Yearly 0
try
Yearly 0
h n
tis Pla
is
M
Sa ple
By m
Sa
Lump sum
Sr. No. Year Age Rate of Return Require / Planning For- Planning For- Total Needs
Balance
1 2012 39 12% 11293862 1355263 12649126
2 2013 40 12% 12649126 0 0 0 0 0 0 1517895 14167021
3 2014 41 12% 14167021 0 0 0 0 0 0 1700042 15867063
4 2015 42 12% 15867063 0 0 0 0 0 0 1904048 17771111
5 2016 43 12% 17771111 0 0 0 0 0 0 2132533 19903644
6 2017 44 12% 19903644 0 0 0 0 0 0 2388437 22292082
7 2018 45 12% 22292082 0 0 0 0 0 0 2675050 24967131
8 2019 46 12% 24967131 0 0 0 0 0 0 2996056 27963187
9 2020 47 12% 27963187 214359 79692 5578468 0 0 5872520 2650880 24741548
10 2021 48 12% 24741548 235795 168948 92921 0 0 497664 2909266 27153150
11 2022 49 12% 27153150 259374 179085 0 0 0 438459 3205763 29920454
12 2023 50 12% 29920454 1426558 189830 0 0 0 1616388 3396488 31700553
13 2024 51 12% 31700553 1569214 201220 0 0 0 1770434 3591614 33521734
14 2025 52 12% 33521734 1726136 345227 0 0 0 2071363 3774045 35224415
15 2026 53 12% 35224415 0 379750 0 0 0 379750 4181360 39026025
16 2027 54 12% 39026025 0 417725 0 0 0 417725 4632996 43241297
17 2028 55 12% 43241297 0 2297486 0 0 0 2297486 4913257 45857067
18 2029 56 12% 45857067 3438027 2527235 420000 0 0 6385263 4736617 44208421
19 2030 57 12% 44208421 0 2779959 0 0 8659282 11439241 3932302 36701482
20 2031 58 12% 36701482 907680 0 0 0 0 907680 4295256 40089059
21 2032 59 12% 40089059 0 1603568 0 0 0 1603568 4618259 43103750
22 2033 60 12% 43103750 0 0 0 0 111439 111439 5159077 48151389
23 2034 61 7% 48151389 0 0 0 11836649 0 11836649 2542032 38856771
24 2035 62 7% 38856771 0 0 0 1320672 767881 2088553 2573775 39341994
25 2036 63 7% 39341994 0 0 0 1487159 129004 1616163 2640808 40366639
26 2037 64 7% 40366639 0 0 0 1665701 0 1665701 2709066 41410004
27 2038 65 7% 41410004 0 0 0 1857225 0 1857225 2768695 42321473
28 2039 66 7% 42321473 0 0 0 2062740 149338 2212078 2807658 42917053
29 2040 67 7% 42917053 0 0 0 2283333 980032 3263365 2775758 42429446
30 2041 68 7% 42429446 0 0 0 2520184 0 2520184 2793648 42702910
31 2042 69 7% 42702910 0 0 0 2774571 172878 2947449 2782882 42538343
32 2043 70 7% 42538343 0 0 0 3047879 0 3047879 2764333 42254797
33 2044 71 7% 42254797 0 0 0 3341609 0 3341609 2723923 41637111
34 2045 72 7% 41637111 0 0 0 3657387 1450925 5108312 2557016 39085815
try
h n
35 2046 73 7% 39085815 0 0 0 3996981 0 3996981 2456218 37545053
tis Pla
36 2047 74 7% 37545053 0 0 0 4362304 0 4362304 2322792 35505541
is
37 2048 75 7% 35505541 0 0 0 4755438 0 4755438 2152507 32902610
M
38 2049 76 7% 32902610 0 0 0 5178639 0 5178639 1940678 29664649
Sa ple
39 2050 77 7% 29664649 0 0 0 5634359 6596369 12230728 1220374 18654296
40 2051 78 7% 18654296 0 0 0 6125262 0 6125262 877032 13406066
41 2052 79 7% 13406066 0 0 0 6654243 0 6654243 472628 7224450
By m
42 2053 80 0% 7224450 0 0 0 7224450 0 7224450 0 0
Sa
43 2054 81 0% 0 0 0 0 0 0 0 0 0
44 2055 82 0% 0 0 0 0 0 0 0 0 0
Goal Status : Child Future -

Planning For-
Child Future -
Planning For-
Future Need Retirement Future Dream
Total Amount
Planning Planning Planning
Particulars Kevin Sandhya

10638682 11614598 7245601 81786786 19017148 130302815
0 0 0 0
Goal Funding through Sale of Assets Goal Funding through Sale of Assets
363072 801784 2434883 0 3599739
Goal Funding through Future Loan Goal Funding through Future

1719014Loan 0 830757 0 2549771
Goal Funding through Financial Investments Goal Funding through Financial

8556597 Investments
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%
Goal Gap Analysis

100%
90% Goal Shortfall
80%
70%
60%
Investments
50%
30%
20%
try
10%
h n
0%
tis Pla
is
Child Future - Planning For- Child Future - Planning For- Future Need Planning Retirement Planning Future Dream Planning
M
Kevin Sandhya
Sa ple
By m
Sa
Short Term Required in Year / From Year

Investment to be required @% 0
8% Lumpsum 0 0 0 0 0 0
Lump sum
Sr. No. Year Age Rate of Return Require / Planning For- Planning For- 0 Total Needs
Balance
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

Medium Term
Requirement (if any) Investment to be required @% 0
9% Lumpsum 0 0 0 0 0 0
15% Monthly 0
Lump sum
Sr. No. Year Age Rate of Return Require / 0 Planning For- Planning For- 0 Total Needs
Balance
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

Pre Retirement
Required Amount 0 5307194 420000 0 8659282 14386476
Required in Year / From Year Regular
Long Term Required Amount
Post
Retirement 0 0 0 38612420 6596369 45208790
Investment
Amount is
Requirement 0
suggested upto
try
h n
Required in Year / From Year Consolidated Goal Starting
tis Pla
is
Lumpsum Investment to be required @% 0 OR
M
Upto
Post
Pre Retirement 12% 7% Lumpsum 0 729582 61171 1057555 1310707 3159016 Retirement
Sa ple
Retirement
Year -
SIP OR Other Regular Investment Monthly 0
Whichever is
recommendations are for need away 5 Year
By m
Quarterly 0 arising earlier.
Half Yearly 0
Sa
period starts,whichever arises earlier only.-
@Projected Return ->> Yearly 0
Lump sum
Sr. No. Year Age Rate of Return Require / Planning For- Planning For- Total Needs
Balance
1 2012 39 12% 3159016 379082 3538097
2 2013 40 12% 3538097 0 0 0 0 0 0 424572 3962669
3 2014 41 12% 3962669 0 0 0 0 0 0 475520 4438189
4 2015 42 12% 4438189 0 0 0 0 0 0 532583 4970772
5 2016 43 12% 4970772 0 0 0 0 0 0 596493 5567265
6 2017 44 12% 5567265 0 0 0 0 0 0 668072 6235336
7 2018 45 12% 6235336 0 0 0 0 0 0 748240 6983577
8 2019 46 12% 6983577 0 0 0 0 0 0 838029 7821606
9 2020 47 12% 7821606 0 0 0 0 0 0 938593 8760199
10 2021 48 12% 8760199 0 0 0 0 0 0 1051224 9811423
11 2022 49 12% 9811423 0 0 0 0 0 0 1177371 10988793
12 2023 50 12% 10988793 0 0 0 0 0 0 1318655 12307449
13 2024 51 12% 12307449 0 0 0 0 0 0 1476894 13784342
14 2025 52 12% 13784342 0 0 0 0 0 0 1654121 15438464
15 2026 53 12% 15438464 0 0 0 0 0 0 1852616 17291079
16 2027 54 12% 17291079 0 0 0 0 0 0 2074930 19366009
17 2028 55 12% 19366009 0 0 0 0 0 0 2323921 21689930
18 2029 56 12% 21689930 0 2527235 420000 0 0 2947235 2249123 20991818
19 2030 57 12% 20991818 0 2779959 0 0 8659282 11439241 1146309 10698886
20 2031 58 12% 10698886 0 0 0 0 0 0 1283866 11982753
21 2032 59 12% 11982753 0 0 0 0 0 0 1437930 13420683
22 2033 60 12% 13420683 0 0 0 0 0 0 1610482 15031165
23 2034 61 7% 15031165 0 0 0 0 0 0 1052182 16083346
24 2035 62 7% 16083346 0 0 0 0 0 0 1125834 17209181
25 2036 63 7% 17209181 0 0 0 0 0 0 1204643 18413823
26 2037 64 7% 18413823 0 0 0 0 0 0 1288968 19702791
27 2038 65 7% 19702791 0 0 0 0 0 0 1379195 21081986
28 2039 66 7% 21081986 0 0 0 0 0 0 1475739 22557725
29 2040 67 7% 22557725 0 0 0 0 0 0 1579041 24136766
30 2041 68 7% 24136766 0 0 0 0 0 0 1689574 25826340
31 2042 69 7% 25826340 0 0 0 0 0 0 1807844 27634184
32 2043 70 7% 27634184 0 0 0 0 0 0 1934393 29568577
33 2044 71 7% 29568577 0 0 0 0 0 0 2069800 31638377
try
34 2045 72 7% 31638377 0 0 0 0 0 0 2214686 33853063
h n
35 2046 73 7% 33853063 0 0 0 0 0 0 2369714 36222778
tis Pla
is
36 2047 74 7% 36222778 0 0 0 3040029 0 3040029 2322792 35505541
M
37 2048 75 7% 35505541 0 0 0 4755438 0 4755438 2152507 32902610
38 2049 76 7% 32902610 0 0 0 5178639 0 5178639 1940678 29664649
Sa ple
39 2050 77 7% 29664649 0 0 0 5634359 6596369 12230728 1220374 18654296
40 2051 78 7% 18654296 0 0 0 6125262 0 6125262 877032 13406066
By m
41 2052 79 7% 13406066 0 0 0 6654243 0 6654243 472628 7224450
42 2053 80 0% 7224450 0 0 0 7224450 0 7224450 0 0
Sa
43 2054 81 0% 0 0 0 0 0 0 0 0 0
Year wise - Various type of Loan Repayment Schedule

EMI - Amount Payable Principal Amount Payable Interest Amount Payable
Total Total
Loan for Personal Loan for Personal Loan from Loan for Personal Loan from
Loan for Self Loan for Total EMI Loan for Self Loan for Principal Loan for Self Loan for Interest
Year Additional Loan / Credit Additional Loan / Credit Friends / Additional Loan / Credit Friends /
Residence other Assets Amount Rs. Residence other Assets Amt. Residence other Assets Amt.
Home Cards Home Cards Relatives Home Cards Relatives
Payable Payable
2012 9000 0 6000 13500 28500 5663 0 5427 4003 0 15093 3337 0 573 9497 4500 17907
2013 36000 0 18000 54000 108000 23966 0 17202 20084 0 61252 12034 0 798 33916 18000 64748
2014 36000 0 0 54000 90000 26214 0 0 28635 0 54849 9786 0 0 25365 18000 53151
2015 36000 0 0 48000 84000 28673 0 0 34645 100000 163317 7327 0 0 13355 18000 38683
2016 36000 0 0 22500 58500 31363 0 0 19465 0 50828 4637 0 0 3035 0 7672
2017 36000 0 0 0 36000 34305 0 0 0 0 34305 1695 0 0 0 0 1695
2018 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2019 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2020 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2021 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2022 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2023 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2024 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2025 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2026 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2027 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2028 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2029 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2030 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2031 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2032 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2033 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2034 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2035 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2036 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
180000 100%
160000 90%
140000 80%
70%
120000
60%
100000
50%
try
h n
80000 40%
tis Pla
60000 30%
is
40000 20%
M
20000 10%
Sa ple
0 0%
2012 2013 2014 2015 2016 2017 2012 2013 2014 2015 2016 2017
By m
Total EMI Amount Rs. Total Principal Amt. Payable Total Interest Amt. Payable Total Principal Amt. Payable Total Interest Amt. Payable
Sa
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
Total Amount Liquidate? OR

Total Amount Estimated
Regular Inflow Regular Regular Payable Continue?
Maturity Lumpsum Total Receivable Effective Current Surrender
Investment Outflow Investment Investment towards Maturity Value Interest
Sr. No. Type of Scheme Scheme Name Holder Name Certificate No. Maturity Date Period (In Investment Invested towards Rate of Valuation of Value of
Date Frequency / Outflow Inflow from Future Rs. Rate (%)
Mode Amount Investment
Years) Amount Rs. Amount Rs.
Investment
Interest from Return (%) Investment Investment Planner's
Today Rs.
from Today 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
try
h n
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
tis Pla
is
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
M
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
Sa ple
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
By m
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
Sa
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
Total Total Liquidate? OR Continue?

Estimated Total Amount Amount
Regular Regular Regular Make Policy Paid Up?
Bonus Sum Amount Payable Receivable Effective Paid UP Surrender
Premium Insurance Maturity Premium Attached Pension Yearly Current
Policy Start Rate Per Policy Assured Paid towards towards Maturity Rate of Value of Value of
Sr. No. Type of Scheme Issued by Scheme Name Holder Name Policy No. Payment Premium Maturity Date Period (In Payment Rider (if Plan Premium Valuation of
Date
Frequency Outflow Years) Term (In
Rs. 1000 Status
any)
Amount
Value Rs. Outflow
towards Future Survival Value Rs. Return
Policy / Plan.
Policy / Plan - Policy / Planner's
Sum Rs. Premium Premium Benefit (%) Rs. Plan - Rs.
Mode Amount Years)
Assured Amt. Rs. from from Recommendation
Today Today
Regular Premium - Life Insurance
Liquidate Policy with Current
1 Traditional Life Insurance Corporation of 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
Plan India
Surrender Value
Life Insurance
Stop to Pay Premium & Make Policy
2 0 Corporation of 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
India
Paid UP
Life Insurance
Continue to Pay Premium up to
3 0 Corporation of 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
India
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
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
Maturity
Life Insurance
Regular Premium - Continue to Pay Premium up to
6 Corporation of 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
Traditional Pension Plan Maturity
India
Single Premium - Life Insurance
Liquidate Policy with Current
7 Traditional Life Insurance Corporation of 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
Plan India
Surrender Value
Life Insurance
Single Premium - Liquidate Policy with Current
8 Corporation of 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
Traditional Pension Plan Surrender Value
India
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
try
h n
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
tis Pla
is
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
M
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
Sa ple
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
By m
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
Sa
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
Liquidate? OR Continue?
Total
Projected
Regular Regular Regular Total Amount Make Policy Paid Up?
Growth Current
Premium Insurance Maturity Premium Attached Sum Pension Yearly Amount Paid Payable Effective Surrender
Policy Start Policy Maturity Rate from Valuation of
Sr. No. Type of Scheme Issued by Scheme Name Holder Name Policy No. Payment Premium Maturity Date Period (In Payment Rider (if Assured Plan Value Premium towards towards Rate of Value of Policy
Date
Frequency Outflow Years) Term (In
Status
any) Amount Rs. Rs. Outflow Premium Future
Value Rs. today on
Return (%)
Policy /
/ Plan - Rs. Planner's
ULIP / Plan.
Mode Amount Years) Amt. Rs. Premium
ULPP Recommendation
from Today
Regular Premium - Unit Life Insurance Liquidate Policy with Current

1 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
Linked Insurance Plan Corporation of India Surrender Value
Regular Premium - Unit Life Insurance Continue to Pay Premium up
2 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
Linked Pension Plan Corporation of India to Maturity
Single Premium - Unit Life Insurance Liquidate Policy with Current
3 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
Linked Insurance Plan Corporation of India Surrender Value
Single Premium - Unit Life Insurance
4 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
Linked Pension Plan Corporation of India
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
try
h n
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
tis Pla
is
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
M
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
Sa ple
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
By m
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
Sa
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%
Total No. of
IF SIP OR
Monthly Dividend CAGR (%)
Date of SWP, Scheme Current
Present Transactio Investment Price Unit Recd. / Asset Scheme Fund Fund Sub- Current NAV Net Profit / For >1 Year
Investment Monthly Holder Name Folio No. Primary Scheme Name Fund Category No. of Units Fund Value
Investment Mode n through Amount Rs. NAV Rs. Alloted SWP Class Type House Category Price Loss Abs. Ret.
OR Start Date Amt. of SIP Purpose Rs.
SIP OR Amount For <1 Year
OR SWP
SWP
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%
SIP Running -For HDFC MID-CAP OPPORTUNITIES FUND -

00/01/1900 5000 35 175000 12.00 14583.33 0 Sangita Patel 2 Equity Open Ended Growth HDFC Equity Diversified Mid & Small Cap 14583.333 16.425 239531 64531 20.15%
General Goal Growth Option
SIP Running -For
00/01/1900 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%
General Goal
Canara Robeco Equity Diversified-Growth
12/01/2009 Lumpsum 0 0 220000 48.60 4526.75 0 Sangita Patel 4 Equity Open Ended Growth Canara Equity Diversified Large & Mid Cap 4526.749 56.7400 256848 36848 4.25%
Option
DSP BlackRock India T.I.G.E.R. Fund - Equity -Thematic &
23/08/2003 Lumpsum 0 0 100000 35.00 2857.14 0 Maheshbhai Patel 5 Equity Open Ended Growth DSP Infrastructure 2857.143 40.376 115360 15360 1.58%
Regular Plan - Growth Others
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%
SIP Running -For

00/01/1900 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%
Retirement
Reliance Banking Fund-Growth Plan-
26/02/2009 Lumpsum 0 0 25000 79.22 315.58 0 Sujataben Patel 11 Equity Open Ended Growth Reliance Equity Sectoral Banking 315.577 99.2151 31310 6310 6.46%
Growth Option
Reliance Pharma Fund-Growth Plan-
26/02/2009 Lumpsum 0 0 10000 44.18 226.36 0 Amar Patel 12 Equity Open Ended Growth Reliance Equity Sectoral Pharma 226.357 59.1740 13394 3394 8.47%
Growth
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%
Birla Sun Life MIP II - Wealth 25 Plan-Plan Debt Oriented -MIP & Debt-oriented
26/02/2009 Lumpsum 0 0 10000 11.15 897.00 0 Amar Patel 15 Hybrid Open Ended Income Birla 896.998 19.1483 17176 7176 16.24%
B (Growth) Asset Allo. Aggressive
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%
try
h n
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%
tis Pla
is
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%
M
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%
Sa ple
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%
By m
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%
Sa
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%

Plan Date : Select Stock - NSE OR Select Stock - BSE Total Value >> Total Value Planner's Advice
67048 86304 << Stock Portfolio
30/09/2012 Price Data on : 16-Jul-12 Price Data on : N.A. Stock Portfolio Cash=> 19344
Purchase Profit /
(Optional) Quantity / Total Current Total Market Abs.
NSE BSE Stock Cost / Loss Sale Qty.
Sr. No. Investment NSE Series Group Type Stock Name No. of Investment Price of Value of Return OR Amount Rs.
Symbol Name Average Amount - ( if any)
Date Stocks Value Rs. Stock (Rs.) Stock - (Rs.) CAGR %
Cost Rs. 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
try
h n
22 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
tis Pla
23 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
is
24 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
M
25 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
Sa ple
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
By m
28 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
Sa
29 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
Stratagies & Recommendation through Restructuring of Existing Loan & Expenses

Additional Lumpsum Allocated : 106832 Additional Lumpsum Payment in future date As
Existing Loan Portfolio Details Payment towards Loan Actual : 106832 (Subject to Surplus Available) Expenses Expenses as Mentioned, Suggested 250
x 10000
Outstanding O / S. -Total Outstanding O / S. -Interest Extra Put your Extra Put your Extra Put your per Current You can Amount by 200
Sr.
Assets Name Loan Balance Amount to be Period in
Existing EMI Amount
Amt. to be Payment as Extra Payment in Extra Payment in Extra Particulars Lifestyle reduce exp. Planner
No. Interest Rate Rs. 150
Rs. paid Months paid of Today Payment -1 Future Date Payment -2 Future Date Payment -3 upto amt.
1 Residential Building / Flat 150183 189000 63 9.00% 3000 38817 Personal Expenses 68400 61560 61560 100
2 Agriculture Land 0 0 0 0.00% 0 0 Housing Expenses 83400 82656 82656
Shop / Office Premises Food Expenses 50
3 0 0 0 0.00% 0 0 104600 103400 103400
4 Furniture / Fixtures / Paintings 0 0 0 0.00% 0 0 Living Expenses 114600 103140 103140 -
Health Expenses
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
5 Home Contents / Appliances 0 0 0 0.00% 0 0 52400 52400 52400
6 Home Contents / Appliances 0 0 0 0.00% 0 0 Entertainment Expenses 62000 57700 57700
Four Wheelers Total Expenses : Current Proposed Savings
7 0 0 0 0.00% 0 0 485400 460856 460856
8 Four Wheelers 0 0 0 0.00% 0 0
9 Two Wheelers 22629 24000 12 11.00% 2000 1371
10 Two Wheelers 0 0 0 0.00% 0 0
11 Two Wheelers 0 0 0 0.00% 0 0
Available Net Yearly Balance after Proposed Changes in Loan
12 Additional Residence / Flat 0 0 0 0.00% 0 0 Repayment & Regular Investments ( if any)
13 Commercial Land
60085
0 0 0 0.00% 0 0
59367
55895
70000
54947
14 Agriculture Land 0 0 0 0.00% 0 0
49191
15 Holiday Home / Farm House 60000
43069
0 0 0 0.00% 0 0
37484
16 Shop / Office Premises 0 0 0 0.00% 0 0 50000
32396
30465
27767
17 Any Others 0 0 0 0.00% 0 0 40000
23563
19751
18 Credit Card Outstanding's 63167 120000 48 36.00% 2500 56833 10/2012 63167
16301
30000
13559
13188
12082
11310
10518
10385
19 Credit Card Outstanding's 43665 72000 36 36.00% 2000 28335 10/2012 43665
9307
9151
20000
20 Credit Card Outstanding's 0 0 0 0.00% 0 0
21 Personal Loan 0 0 0 0.00% 0 0 10000
22 Personal Loan 0 0 0 0.00% 0 0 0
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
23 Loan from Friends-1 100000 18.00%
24 0 0 0.00%
Net Effect after Proposed Extra

Recommendation on Regular EMI Payment Effective data after recommendation Benefit /
Existing Loan Payment Proposed Loan Payment Payment ( As above) & Proposed Existing Proposed Total Yearly Payment of EMI
( Subject to Surplus Cash Flow in Future ) on Regular Payment
Regular EMI Payment Loss -
0 100000 200000 300000
Revised O/s. Loan
Outstanding Revised Int. Outstanding Proposed - O/ Proposed - Exisitng -Total Proposed -
Sr. Wants to changing loan as Revised EMI Interest rate Revised EMI 2013 126000 after Interest
Assets Name Period in rate today Period in 72000 S. Period Additional Interest Total Interest Year Existing Proposed
No. per following Amount Rs. today Amount Rs. 2014 108000
in Months Payment
Additional
Payable Payable
Amount
Months onwards Months 54000 Payment
onwards 270790
2015 222790
1 Residential Building / Flat 63 9.00% 3000 63 0 150183 38817 38817 0 2012 33000 19499
2016 127290
2 Agriculture Land 0 0.00% 0 104790 0 0 0 0 0 0 2013 126000 72000
2017 104790
3 Shop / Office Premises 0 0.00% 0 104790 0 0 0 0 0 0 2014 108000 54000
2018 68790
4 Furniture / Fixtures / Paintings 0 0.00% 0 68790 0 0 0 0 0 0 2015 202000 154000
2019 68790
5 Home Contents / Appliances 0 0.00% 0 68790 0 0 0 0 0 0 2016 58500 36000
2020 69747
6 Home Contents / Appliances 0 0.00% 0 69747 0 0 0 0 0 0 2017 36000 36000
2021 69747
7 Four Wheelers 0 0.00% 0 69747 0 0 0 0 0 0 2018 0 0
2022 69747
8 Four Wheelers 0 0.00% 0 69747 0 0 0 0 0 0 2019 0 0
2023 69747
9 Two Wheelers 12 11.00% 2000 69747 12 0 22629 1371 1371 0 2020 0 0
2024 69747
10 Two Wheelers 0 0.00% 0 69747 0 0 0 0 0 0 2021 0 0
2025 69747
11 Two Wheelers 0 0.00% 0 69747 0 0 0 0 0 0 2022 0 0
2026 69747
12 Additional Residence / Flat 0 0.00% 0 69747 0 0 0 0 0 0 2023 0 0
2027 69747
13 Commercial Land 0 0.00% 0 69747 0 0 0 0 0 0 2024 0 0
2028 69747
try
14 Agriculture Land 0 0.00% 0 69747 0 0 0 0 0 0 2025 0 0
h n
2029 69747
15 Holiday Home / Farm House 0 0.00% 0 69747 0 0 0 0 0 0 2026 0 0
2030 69747
tis Pla
16 Shop / Office Premises 0 0.00% 0 69747 0 0 0 0 0 0 2027 0 0
is
2031 69747
17 Any Others 0 0.00% 0 69747 0 0 0 0 0 0 2028 0 0
2032 69747
M
18 Credit Card Outstanding's 48 36.00% 2500 69747 0 63167 0 56833 0 56833 2029 0 0
2033 69747
19 Credit Card Outstanding's 36 36.00% 2000 69747 2 43665 0 28335 0 28336 2030 0 0
69747
Sa ple
2034 69747
20 Credit Card Outstanding's 0 0.00% 0 0
0 0 0 0 0 0 2031 0 0
2035 0
21 Personal Loan 0 0.00% 0 0
0 0 0 0 0 0 2032 0 0
2036 0
22 Personal Loan 0 0.00% 0 0
0 0 0 0 0 0 2033 0 0
2037
By m
23 Loan from Friends-1 0 100000
24 0 0
Sa
Cash Reconciliation, Asset Allocation & Portfolio Rebalancing

Your risk analysis from above questionnaire C/ F Balance from Cash & Equivalent -196129
Financial Concerns
Risk Analysis
Result of Risk Analysis Required - Cash & Equivalent Add: Cash -From Liquidation of Investments Liquidate Amt
Inflation Extremely Concern Risk Capacity High For Emergency Fund 291797 From Fixed Return Scheme Portfolio 149024
Tax Relief/advantage Slightly Concern Risk Behaviour Balanced - (Medium Risk) For Current Year Need 250000 From Traditional Life Ins./ Pension Plan 151206
Safety/ Security Slightly Concern Aggregate Balanced - (Medium Risk) Total required Amt. Rs. 541797 541797 From Unit Linked Life Ins./ Pension Plan 71000
Liquidity Not Concern Less: Available Balance : Existing Proposed Allocation From Mutual Fund Portfolio 360960
Generating Income Not Concern Your risk profile is suggest that you are a - Balanced - Cash A/C. + SB A/c. Balance 225668 40% 216719 From Stock Market Portfolio 19344 751534
Ease of Management Extremely Concern (Medium Risk) - type of investor Bank Fixed Deposit : < 1 Year 120000 30% 162539 Existing Liquidate Amt
Liquid 0 30% 162539 From Physical Gold / Silver 450000
Available Balance Rs. 345668 100% 541797 From Properties 1000000
Investment Priorities Ideal Asset Allocation - As per your Risk Profile - (Select Below)
Cash reqd. from Existing Portfolio 196129 From Retirement Fund 315000
Preserve Capital Some Extent From O/s. Receivables / Loan 100000
Balanced ( Medium Risk )
Regular Income Not Priority From O/s. Receivables / Loan 0 0
Timely Goal Achievement Very Important Minimum Portfolio Size of Rs. : Mutual Fund Allocation 97% Total Available Cash to utilise / OR / Re-Invest : 555405
100% 72%
Optimum Return Fairly Important For Allocation of Gold : Existing Less: For Loan - Additional Repayment 106832 106832
Growth Over Time Very Important For Allocation of Properties 10000000 Allocation
50% Balance Amount Available to Investment - Rs.: 448573
19%
Maximum Growth Some Extent Proposed 1% 9% 0% 0% 2% Less: Balance Allocated towards Investment A/c. - Rs. : 448573
Allocation - As per Risk Profie V/s. Existing Portfolio Allocation 0% Net Cash Balance Amount Rs. : ( It should be = 0) 0
0% 10% 20% 30% 40% 50% Debt Equity Gold Hybrid
Existing After Changes(- Proposed Existing After Proposed
Cash , 13%
Scheme Particulars Scheme Particulars
Portfolio ) Addition Portfolio Changes(-) Addition
Future Need - Period breakup with required Rate of Return Cash , 6% Direct Equity
LT 86304 66960 ST Cash A/C. + SB A/c. Balance 225668 225668 -8949
Cash
For - Pre - Retirement Post Tax - Debt, 34% ML Large & Mid Cap 256848 210000 ST Bank Fixed Deposit : < 1 Year 120000 120000 42539
Period (Years) : Return Select
Period : Debt, 38%
LT Mid & Small Cap 239531 250000 ST Liquid 11424 0 162539
Short Term Need 0 - to - 3 8% ML Multi Cap 134284 180000 ST FMP 0 0
Period
Equity Mutual Fund

Medium Term Need 4 - to - 7 9% Equity, 46% ML Tax Planning 756828 500000 ST Gilt Medium & Long Term 0 0
( No. of Years ) 22 Equity, 32%
Debt Mutual Fund

Long Term Need ML Large Cap 0 0 100000 ST Gilt Short Term 0 0
Banking
8 - Year onwards Gold, 7% LT 31310 0 ST Income 0 0
LT FMCG 0 0 ST Short Term 0 0
Gold, 8%
Age : 60 Post Tax Rate of LT Pharma 13394 0 ST Ultra Short Term 0 0
Retirement : Post Retirement Return (%) Properties, 0% Technology
Year : 2033 LT 0 0 SM Debt-oriented Aggressive 17176 0
Rate of Return Properties, 17% Equity: Others
Age : 80 LT 0 0 SM Debt-oriented Conservative 0 0 148573
Life Expectacy : (%) 7%
Infrastructure
Year : 2053 LT 115360 90000 ST Arbitrage 0 0
As Risk Profile -Ideal Existing International
LT 0 0 SM Asset Allocation 0 0
ML Equity-oriented 14804 0 200000 SM Hybrid: Others 0 0
Existing V/s. Proposed Portfolio
Actual applicable to your Need as per following
0% 10% 20% 30% 40% 50%
Existing After Changes(- Proposed Existing After Proposed
Scheme Particulars Scheme Particulars
Portfolio ) Addition Portfolio Changes(-) Addition
Cash, 6%
Investment Allocation to be required as of today LT Public Provident Fund 124000 124000 LT Reg. Prem.-ULIP 30000 0
Post Office Scheme

Cash, 10%
For Short Term Weightage / Allocation MT Post Office Rec.Deposit 80297 80297 LT Reg. Prem.-ULPP 108000 33000
Life Insurance
For Emergency Fund 291797 Debt, 38% MT Post Office MIS 350000 350000 LT Single Prem.-ULIP 53000 0
For Current Year Need 250000 15% 916065 Debt, 36% MT Senior Citizen Savings Scheme 150000 150000 LT Single Prem.-ULPP 53000 53000
Next 3 Years @8% 374268 SM Post Office - Time Deposits 26746 0 LT Reg. Prem. -Tradi. Life Ins. 343466 261833
try
Equity, 32%
h n
For Medium Term ML National Savings Certificates 86073 86073 LT Reg. Prem. -TradI. Pension Plan 96600 96600
Equity, 29%
tis Pla
4 to 7 Years @9% 1162765 19% 1162765 LT Kisan Vikas Patra 37402 0 LT Single Prem.-Tradi. Life Ins. 92125 0
is
Gold, 8%
For Long Term LT Single Prem.-Tradi. Pension Plan 81500 0
M
8 to 22 Years @12% & 23 years Gold, 8% SM Income Bond's & NCD 190000 190000
Bonds & FDR

3919406 65% 3919406
onwards - Post Retirement @7% SM LT Gold
Gold
Properties, 17% Income -Co. FD's 100000 100000 0 0
Sa ple
SM Growth -Bond's & NCD 64064 0 LT Gold /Silver 450000 450000
Total Value of Existing Investment as of today : Rs. 5998235 Properties, 18%
SM Growth -Co. FD's 37371 0
SM Bank FDR > 1 Year 106660 106660 LT Real Estate 1000000 1000000
By m
Existing Allocation Proposed Allocation
LT Retirement Fund 315000 315000
Sa
Existing Proposed Existing Allocation Proposed Allocation Existing Allocation Proposed Allocation
60%
55%
Bonds / NCD's Post Office Physical Gold / Properties Retirement 0% 5% 10% 15% 20% 25% 30%
48% Cash Account Bank FDR Mutual Funds Stock Market & Co. FD's Scheme Life Insurance Funds / ETF Investment Fund
50%
35% 6%
32% Cash - SB A/c./ ST FDR /
40% Liquid
30% 10%
28%
30%
21% 22% 0%
25% Debt -Mutual Fund
20%
3%
10% 9% 10% 10% 10%
10% 6% 20%
18% 18%
26%
0% 15% 15% Equity - Mutual Fund
15% 14%
Short Term Short / Medium Term Medium / Long Term 26%
Medium Term Long Term
10% 1%
8% 8% 8%
7% Equity - Stock Market
5% 6% 6%
5% 1%
0% 5% 10% 15% 20% 25% 5% 4% 4% 4%
6% 2% 1%
Cash
Short Term 23%

9% 0% Debt - FD/Bonds/NCD/Post
9% 21%
Debt
Short / Medium Term

9%
10% 10%
Debt
Medium Term Debt - Life Insurance

10%
2% 6%
Debt
Medium / Long Term

3% MF Allocation Existing Allocation Proposed Allocation
4%
18%
ties Gold Equity Equity Equity Debt
Long Term Equity - Life Insurance

14%
2%
0% Debt Debt
Short / Medium Term Debt -Short Equity Equity - Asset Oriented - Oriented -
1% Debt Govt. Term & Equity Diversified Equity Thematic & Gold Funds Allocation & MIP & Asset MIP & Cap. 8%
19% Debt -FMP Sec. Debt -Liquid Income Diversified /Index Fund Sectoral Others & ETF Others Balanced Allo. Prot. Gold - Funds /ETF / Physical
Medium / Long Term 100%
22% 87% 8%
90%
12% 80%
Long Term
8% 70% 62% 17%
60% Properties Investment
8%
Long Term 50% 18%
8%
40%
Proper
17% 30%
Long Term 5%
17% 20%
9% 11%
5% 7% 5% 8% Retirement Fund
10% 3%
try
0% 0% 0% 0% 1% 0% 0% 0% 0% 0% 0% 0% 0% 1% 1% 0% 0%
6%
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0%
Existing Proposed
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Sample Financial
Advice to New Addition Plan Report
of - Fixed Returnin Excel
Schemes 30/09/2012
Plan Date : 30/09/2012
Public Provident Fund Suggested : >> 0
Effective Regular Suggested Planned -

Select Investment Period Compounding
Sr. No. Holder Name Rate (%) Rate of Investment Lumpsum Regular Maturity Date Maturity Value
Postal Scheme - Term / Rate Date (Years) Mode
Return Frequency Investment Investment
1 00/01/1900 Yearly 0% 0
2 00/01/1900 Yearly 0% 0
3 00/01/1900 Yearly 0% 0
4 00/01/1900 Yearly 0% 0
5 00/01/1900 Yearly 0% 0
Available Net Yearly Balance after Proposed Changes in Loan Repayment & Regular Investments ( if any)
60085
59367
55895
54947
70000
49191
43069
60000
37484
32396
50000
30465
27767
23563
40000
19751
16301
13559
13188
12082
30000
11310
10518
10385
9307
9151
20000
10000
0
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
Post Office Recurring Deposit Scheme
Effective Regular Regular

Sr. No. Holder Name Rate (%) Rate of Investment Investment Maturity Date Maturity Value
Return Frequency Amount Rs.
1 00/01/1900 0.00% Monthly 0
2 00/01/1900 0.00% 0
Post Office Monthly Income Scheme Suggested : >> 0
Effective Interest Lump sum Regular

Sr. No. Holder Name Rate (%) Rate of Receivable Investment Income from Maturity Date Maturity Value
Return Frequency Value Rs. Investment
1 00/01/1900 0.00% 0 0
2 00/01/1900 0.00% 0 0
3 00/01/1900 0.00% 0 0
4 00/01/1900 0.00% 0 0
try
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Senior Citizen Savings Scheme Suggested : >> 0
tis Pla
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M
Sr. No. Holder Name Rate (%) Rate of Receivable Investment Income from Maturity Date Maturity Value
Sa ple
1 00/01/1900 0.00% 0 0
By m
2 00/01/1900 0.00% 0 0
Sa
Regular Income Bonds - NCD's Suggested : >> 0
Investment Period Compounding
Sr. No. Issued by Company / Financial Institution Holder Name Rate (%) Rate of Receivable Investment Income from Maturity Date Maturity Value
Date (Years) Mode
1 00/01/1900 0.00% 0 0 0
2 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 Suggested : >> 0

Sr. No. Issued by Company / Financial Institution Holder Name Rate (%) Rate of Receivable Investment Income from Maturity Date Maturity Value
Date (Years) Mode
1 00/01/1900 0.00% 0 0 0
2 00/01/1900 0.00% 0 0 0
3 00/01/1900 0.00% 0 0 0
4 00/01/1900 0.00% 0 0 0
5 00/01/1900 0.00% 0 0 0
Post Office - Time Deposits Suggested : >> 0
Effective Interest Lump sum

Sr. No. Holder Name Rate (%) Rate of Receivable Investment Maturity Date Maturity Value
Return Frequency Value Rs.
1 00/01/1900 0.00% 0
2 00/01/1900 0.00% 0
National Savings Certificates Suggested : >> 0

Sr. No. Holder Name Rate (%) Rate of Receivable Investment Maturity Date Maturity Value
1 00/01/1900 0.00% 0
2 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
try
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Cumulative - Growth - Bonds & NCD Sample Financial Plan Report in Excel Suggested : >> 0 30/09/2012

Sr. No. Issued by Company / Financial Institution Holder Name Rate (%) Rate of Receivable Investment Maturity Date Maturity Value
Date (Years) Mode
1 00/01/1900 0.00% 0
2 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
Cumulative - Growth - Company FD's Suggested : >> 0

Sr. No. Issued by Company / Financial Institution Holder Name Rate (%) Rate of Receivable Investment Maturity Date Maturity Value
Date (Years) Mode
1 00/01/1900 0.00% 0
2 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
Bank Fixed Deposits > 1 Year Suggested : >> 0

Sr. No. Issued by Bank Holder Name Rate (%) Rate of Receivable Investment Maturity Date Maturity Value
Date (Years) Mode
1 00/01/1900 0.00% 0
2 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
6 00/01/1900 0.00% 0
7 00/01/1900 0.00% 0
8 00/01/1900 0.00% 0
9 00/01/1900 0.00% 0
10 00/01/1900 0.00% 0
try
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Advice to New Addition of - Traditional - (With Profit) - Life Insurance & PensionSample
Plan Financial Plan Report in Excel
Plan Date : 30/09/2012
30/09/2012
60085
59367
55895
54947
70000
49191
43069
60000
37484
32396
50000
30465
27767
23563
40000
19751
16301
13559
13188
12082
11310
30000
10518
10385
9307
9151
20000
10000
0
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
Regular Premium - Traditional Life Insurance Plan Suggested : >> 0 Survival Benefit @% of Sum Assured - in Year (if any)
1st Installment 2nd Installment 3rd Installment 4th Installment 5th Installment 6th Installment 7th Installment
Estimated
Policy Holder / Plan No. ( if Premium % of % of % of % of % of % of % of
Maturity Term Premium Premium Attached Rider Bonus Rate Maturity
SR. Name of Life Ins. Co. Scheme / Plan Name of Person any) -For LIC
( In Years)
Paying Term Start Date Sum Assured
Amount Rs. Payment Mode (If any) Per 1000 Sum Amount
IRR % Year Sr. Sum Year Sr. Sum Year Sr. Sum Year Sr. Sum Year Sr. Sum Year Sr. Sum Year Sr. Sum Total
Insured Policy (In Years) Assured Assured Assured Assured Assured Assured Assured
Assured
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%
Regular Premium - Traditional Pension Plan Suggested : >> 0
Estimated
Policy Holder / Premium
Plan No. ( if Maturity Term Plan / Scheme Premium Premium Bonus Rate Maturity
SR. Name of Life Ins. Co. Plan Name of Person Paying Term Start Date IRR %
any) ( In Years) Value Amount Rs. Payment Mode Per 1000 Sum Amount
Insured (In Years)
Assured
00/01/1900 0 0.00%
00/01/1900 0 0.00%
Single Premium - Traditional Life Insurance Plan Suggested : >> 0 Survival Benefit @% of Sum Assured - in Year (if any)
1st Installment 2nd Installment 3rd Installment 4th Installment 5th Installment 6th Installment 7th Installment
Estimated
Policy Holder / % of % of % of % of % of % of % of
Maturity Term Premium Bonus Rate Maturity
SR. Name of Life Ins. Co. Plan Name of Person Start Date
( In Years) Amount Rs.
Sum Assured
Per 1000 Sum Amount
IRR % Survival Benefit Data Year Sr. Sum Year Sr. Sum Year Sr. Sum Year Sr. Sum Year Sr. Sum Year Sr. Sum Year Sr. Sum Total
Insured Assured Assured Assured Assured Assured Assured Assured
Assured
00/01/1900 0 0.00%
00/01/1900 0 0.00%
Single Premium - Traditional Pension Plan Suggested : >> 0
Estimated
Policy Holder /
Maturity Term Premium Pension Plan Bonus Rate Maturity
SR. Name of Life Ins. Co. Plan Name of Person Start Date IRR %
( In Years) Amount Rs. Value Per 1000 Sum Amount
Insured
Assured
00/01/1900 0 0.00%
00/01/1900 0 0.00%
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Advice to New Addition of - Unit Linked - Life Insurance & Pension
Sample PlanPlan Report in Excel
Financial Plan Date : 30/09/2012
30/09/2012
60085
59367
55895
54947
70000
49191
43069
60000
37484
32396
50000
30465
27767
23563
40000
19751
16301
13559
13188
12082
11310
30000
10518
10385
9307
9151
20000
10000
0
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
accordingly
Regular Premium - Unit Linked Life Insurance Plan Suggested : >>
Policy Holder / Suggested Projected

Fund Maturity Term Premium Premium Attached Rider Maturity
SR. Name of Life Ins. Co. Scheme / Plan Name of Person Premium Start Date Sum Assured Return - IRR %
Allocation ( In Years) Amount Rs. Payment Mode (If any) Amount
Insured Paying Term @%
00/01/1900 0
00/01/1900 0
00/01/1900 0
00/01/1900 0
00/01/1900 0
Regular Premium - Unit Linked Pension Plan Suggested : >>
Policy Holder / Suggested Projected

Fund Maturity Term Plan / Scheme Premium Premium Maturity
SR. Name of Life Ins. Co. Plan Name of Person Premium Start Date Return - IRR %
Allocation ( In Years) Value Amount Rs. Payment Mode Amount
Insured Paying Term @%
00/01/1900 0
00/01/1900 0
Single Premium - Unit Linked Life Insurance Plan Suggested : >> 0
Policy Holder / Projected

Maturity Term Premium Fund Maturity
SR. Name of Life Ins. Co. Plan Name of Person Start Date Sum Assured Return - IRR %
( In Years) Amount Rs. Allocation Amount
Insured @%
00/01/1900 0
00/01/1900 0
Single Premium - Unit Linked Pension Plan Suggested : >> 0
Policy Holder / Projected

Maturity Term Premium Pension Plan Fund Maturity
SR. Name of Life Ins. Co. Plan Name of Person Start Date Return - IRR %
( In Years) Amount Rs. Value Allocation Amount
Insured @%
00/01/1900 0
00/01/1900 0
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(Existing ) -Today - onwards - Cash - Inflow & Outflow with Investment Cash Flow & Annexures
Age : Main Income Other Income Regular Expenses - Outflow
Interest on
Self Loan /
Sangita Employed / Spouse Agriculture House Rent Other Other Other Principal - Personal Housing Food Living Health Entertainme Total
Sr. No. Year Amar Patel
Patel Personal Income Income etc. Income Income Income Income from Expenses Expenses Expenses Expenses Expenses nt Expenses Expenses
Income Friends/
Relatives
0 2012 39 36 206886 60000 50000 0 0 0 0 3750 22800 27800 34867 38200 17467 20667 161800
1 2013 40 37 623026 197773 165000 0 0 0 0 15000 72504 88404 112968 122622 57640 68200 522338
2 2014 41 38 622490 215513 181500 0 0 0 0 15000 76854 93708 122005 131206 63404 75020 562197
3 2015 42 39 623562 235038 199650 0 0 0 0 15000 81465 99331 131766 140390 69744 82522 605218
4 2016 43 40 623489 256297 219615 0 0 0 0 15000 86353 105291 142307 150217 76719 90774 651661
5 2017 44 41 625755 280818 241577 0 0 0 0 15000 91535 111608 153692 160732 84391 99852 701809
6 2018 45 42 625405 307324 265734 0 0 0 0 15000 97027 118304 165987 171984 92830 109837 755969
7 2019 46 43 625405 335927 292308 0 0 0 0 15000 102848 125403 179266 184023 102113 120820 814473
8 2020 47 44 625405 366925 321538 0 0 0 0 115000 109019 132927 193607 196904 112324 132903 877684
9 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 1019834
11 2023 50 47 663598 512160 427968 0 0 0 0 0 129844 158318 243889 241216 149503 176893 1099664
12 2024 51 48 663598 558232 470764 0 0 0 0 0 137634 167817 263401 258101 164454 194583 1185989
13 2025 52 49 663598 608905 517841 0 0 0 0 0 145892 177886 284473 276168 180899 214041 1279359
14 2026 53 50 663598 664649 569625 0 0 0 0 0 154646 188559 307230 295500 198989 235445 1380369
15 2027 54 51 663598 725959 626587 0 0 0 0 0 163925 199873 331809 316185 218888 258989 1489669
16 2028 55 52 663598 793404 689246 0 0 0 0 0 173760 211865 358354 338318 240777 284888 1607962
17 2029 56 53 663598 867595 758171 0 0 0 0 0 184186 224577 387022 362000 264854 313377 1736016
18 2030 57 54 663598 949120 833988 0 0 0 0 0 195237 238052 417984 387340 291340 344715 1874667
19 2031 58 55 663598 1028589 917386 0 0 0 0 0 206951 252335 451422 414454 320474 379186 2024822
20 2032 59 56 663598 1115994 1009125 0 0 0 0 0 219368 267475 487536 443466 352521 417105 2187471
21 2033 60 57 663598 1212143 1110037 0 0 0 0 0 232530 283524 526539 474508 387773 458815 2363690
22 2034 61 58 0 1317908 0 0 0 0 0 0 0 0 0 0 0 0 0
23 2035 62 59 0 1434254 0 0 0 0 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 1562224 0 0 0 0 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
try
h n
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
33 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
is
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
M
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
38 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
By m
39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa
Investment For Retirement

Age : Regular Investment Outflow Total
Self / Employer Contribution
Needs
Traditional Unit Linked Total Investment
Post Office Traditional Unit Linked Mutual Fund Total Regular Mutual Fund Commitment EPF EPF
Amar Sangita Life Life Investment
Sr. No. Year Reccuring Pension Pension SIP Investment Investment SIP (Outflow) Contribution Contribution
Patel Patel Insurance Insurance for
Deposit Plan Plan Investment Outflow in PPF Investment (Self) (Spouse)
Plan Plan Retirement
0 2012 39 36 3500 2553 0 0 10000 48000 64053 6000 12000 18000 82053 25920 0
1 2013 40 37 6000 19541 6450 0 10000 156000 197991 24000 42000 66000 263991 77760 0
2 2014 41 38 6000 19541 6450 0 10000 168000 209991 24000 48000 72000 281991 77760 0
3 2015 42 39 6000 19541 6450 0 10000 180000 221991 24000 54000 78000 299991 77760 0
4 2016 43 40 3000 19541 6450 0 10000 192000 230991 22000 60000 82000 312991 77760 0
5 2017 44 41 0 19541 6450 0 10000 204000 239991 12000 66000 78000 317991 77760 0
6 2018 45 42 0 19541 6450 0 10000 216000 251991 12000 72000 84000 335991 77760 0
7 2019 46 43 0 19541 6450 0 10000 228000 263991 12000 78000 90000 353991 77760 0
8 2020 47 44 0 9885 6450 0 10000 240000 266335 11000 84000 95000 361335 77760 0
9 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 0
11 2023 50 47 0 2077 6450 0 0 276000 284527 0 102000 102000 386527 77760 0
12 2024 51 48 0 2077 6450 0 0 288000 296527 0 108000 108000 404527 77760 0
13 2025 52 49 0 2077 0 0 0 300000 302077 0 114000 114000 416077 77760 0
14 2026 53 50 0 2077 0 0 0 312000 314077 0 120000 120000 434077 77760 0
15 2027 54 51 0 0 0 0 0 324000 324000 0 126000 126000 450000 77760 0
16 2028 55 52 0 0 0 0 0 336000 336000 0 132000 132000 468000 77760 0
17 2029 56 53 0 0 0 0 0 348000 348000 0 138000 138000 486000 77760 0
18 2030 57 54 0 0 0 0 0 360000 360000 0 144000 144000 504000 77760 0
19 2031 58 55 0 0 0 0 0 372000 372000 0 150000 150000 522000 77760 0
20 2032 59 56 0 0 0 0 0 384000 384000 0 156000 156000 540000 77760 0
21 2033 60 57 0 0 0 0 0 396000 396000 0 162000 162000 558000 77760 0
22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0
23 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0
33 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0
try
h n
36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0
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38 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0
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39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0
By m
Sa
Fixed Assets Fixed Assets

- For - For Loan for Loan for
Assets - Purpose of use Others Loan Others Loan
Personal Personal Expenses Expenses
use only use only
Expenses Expenses Total Loan
Immovable Movable Liabilities of Liabilities of
Property Types type Loan- type Loan-
Properties Properties Payment Payment Payment
EMI EMI Liabilites
Residential Credit Card Credit Card Loan from
Two Loan from
Loan on Assets Building / Outstanding' Outstanding' Friends-1-
Wheelers Friends-1
Flat s s Interest
Amar Sangita
Sr. No. Year
Patel Patel
0 2012 39 36 9000 6000 7500 6000 0 4500 0 0 0 0 0 0 0 0 33000
1 2013 40 37 36000 18000 30000 24000 0 18000 0 0 0 0 0 0 0 0 126000
2 2014 41 38 36000 0 30000 24000 0 18000 0 0 0 0 0 0 0 0 108000
3 2015 42 39 36000 0 30000 18000 100000 18000 0 0 0 0 0 0 0 0 202000
4 2016 43 40 36000 0 22500 0 0 0 0 0 0 0 0 0 0 0 58500
5 2017 44 41 36000 0 0 0 0 0 0 0 0 0 0 0 0 0 36000
6 2018 45 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
7 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
8 2020 47 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
9 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 0
11 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
12 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
13 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
14 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
15 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
16 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
17 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
18 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
19 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
20 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
21 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
23 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
try
2043 70 67
h n
31 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
is
33 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
M
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
By m
Sa
Investment through SIP - For

Investment through SIP - For Need other than Retirement
Retirement Need Only
HDFC MID-
ICICI
CAP HDFC Equity
Prudential
Amar Sangita OPPORTUNI Fund -
Sr. No. Year 0 0 0 0 0 0 0 0 Tax Plan- 0 0 0 0
Patel Patel TIES FUND - Growth
Growth
Growth Option
Option
Option
0 2012 39 36 20000 28000 0 0 0 0 0 0 0 0 12000 0 0 0 0
1 2013 40 37 66000 90000 0 0 0 0 0 0 0 0 42000 0 0 0 0
2 2014 41 38 72000 96000 0 0 0 0 0 0 0 0 48000 0 0 0 0
3 2015 42 39 78000 102000 0 0 0 0 0 0 0 0 54000 0 0 0 0
4 2016 43 40 84000 108000 0 0 0 0 0 0 0 0 60000 0 0 0 0
5 2017 44 41 90000 114000 0 0 0 0 0 0 0 0 66000 0 0 0 0
6 2018 45 42 96000 120000 0 0 0 0 0 0 0 0 72000 0 0 0 0
7 2019 46 43 102000 126000 0 0 0 0 0 0 0 0 78000 0 0 0 0
8 2020 47 44 108000 132000 0 0 0 0 0 0 0 0 84000 0 0 0 0
9 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 0
11 2023 50 47 126000 150000 0 0 0 0 0 0 0 0 102000 0 0 0 0
12 2024 51 48 132000 156000 0 0 0 0 0 0 0 0 108000 0 0 0 0
13 2025 52 49 138000 162000 0 0 0 0 0 0 0 0 114000 0 0 0 0
14 2026 53 50 144000 168000 0 0 0 0 0 0 0 0 120000 0 0 0 0
15 2027 54 51 150000 174000 0 0 0 0 0 0 0 0 126000 0 0 0 0
16 2028 55 52 156000 180000 0 0 0 0 0 0 0 0 132000 0 0 0 0
17 2029 56 53 162000 186000 0 0 0 0 0 0 0 0 138000 0 0 0 0
18 2030 57 54 168000 192000 0 0 0 0 0 0 0 0 144000 0 0 0 0
19 2031 58 55 174000 198000 0 0 0 0 0 0 0 0 150000 0 0 0 0
20 2032 59 56 180000 204000 0 0 0 0 0 0 0 0 156000 0 0 0 0
21 2033 60 57 186000 210000 0 0 0 0 0 0 0 0 162000 0 0 0 0
22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
23 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2045 72 69
try
33 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
h n
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
is
36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
M
37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
38 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
By m
Sa

Income from Investment
Total inflow Investments Account Total Inflow
Retirement
through Total Total inflow throgh
Total Income Benefit /
Investment & Maturity Benefit

Age : Regular Interest / Total Income Amount of through Maturity
/ Maturity Investment
Income from Mutual Fund Sys. / Maturity Maturity Maturity Proceeds &
Proceeds Maturity
Debt Regular Withdrawal Proceeds Proceeds proceeds of Investment
Amount proceeds of
Investment Withdrawal from Amount from Postal Investment Retirement Income,
Sangita Investment from Account Retirement
Sr. No. Year Amar Patel (Other than (SWP) from Unit Schemes / Account
Patel Account Traditional Fund Etc.
MF) Linked Plan Bonds - NCD
Summary -Income from Plan
/ FDR
0 2012 39 36 23205 0 23205 0 0 73862 73862 0 97067
1 2013 40 37 72910 0 72910 18750 44000 0 62750 0 135660
2 2014 41 38 59160 0 59160 0 0 260000 260000 0 319160
3 2015 42 39 48410 0 48410 0 155195 50000 205195 0 253605
4 2016 43 40 38058 0 38058 0 0 854190 854190 0 892247
5 2017 44 41 1708 0 1708 171225 0 48031 219256 0 220964
6 2018 45 42 0 0 0 18750 0 0 18750 0 18750
7 2019 46 43 0 0 0 0 0 70000 70000 0 70000
8 2020 47 44 0 0 0 255000 0 0 255000 0 255000
Cash Flow
9 2021 48 45 0 0 0 0 227187 117171 344357 0 344357
10 2022 49 46 0 0 0 108500 0 0 108500 0 108500
11 2023 50 47 0 0 0 89625 0 0 89625 0 89625
12 2024 51 48 0 0 0 0 0 0 0 0 0
13 2025 52 49 0 0 0 243125 0 0 243125 0 243125
14 2026 53 50 0 0 0 0 0 0 0 0 0
15 2027 54 51 0 0 0 108500 0 0 108500 0 108500
16 2028 55 52 0 0 0 0 0 0 0 0 0
17 2029 56 53 0 0 0 0 0 0 0 0 0
18 2030 57 54 0 0 0 0 0 0 0 0 0
19 2031 58 55 0 0 0 0 0 0 0 0 0
20 2032 59 56 0 0 0 0 0 0 0 0 0
21 2033 60 57 0 0 0 0 0 0 0 0 0
22 2034 61 58 0 0 0 0 0 0 0 15916649 15916649
23 2035 62 59 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0
31 2043 70 67 0 0 0 0 0 0 0 0 0
try
32 2044 71 68 0 0 0 0 0 0 0 0 0
h n
33 2045 72 69 0 0 0 0 0 0 0 0 0
tis Pla
is
34 2046 73 70 0 0 0 0 0 0 0 0 0
35 2047 74 71 0 0 0 0 0 0 0 0 0
M
36 2048 75 72 0 0 0 0 0 0 0 0 0
Sa ple
37 2049 76 73 0 0 0 0 0 0 0 0 0
38 2050 77 74 0 0 0 0 0 0 0 0 0
39 2051 78 75 0 0 0 0 0 0 0 0 0
By m
40 2052 79 76 0 0 0 0 0 0 0 0 0
Sa
Regular Income / Maturity Proceeds - Traditional Pension Plan Unit Linked Life Insurance / Pension Plan
Age :
Traditional Life Insurance Plan Maturity Total Income Maturity Proceeds Total Amount
Total Income
/ Maturity of Maturity
Regular / Maturity
Single Prem.- Regular Proceeds Proceeds from
Prem.- Reg. Single Single Prem.- Amount Proceeds
Traditional Prem.- Postal
Traditional Premium Premium Traditional Ulip-Regular ULPP- Amount
Sangita Life Traditional from Ulip-Single ULPP-Single from Unit Schemes /
Sr. No. Year Amar Patel Life Policy - Policy - Pension Traditional Premium - Regular Bonds - NCD /
Patel Insurance Pension Premium Premium Linked Plan
Insurance Survival Survival Plan - Plan Maturity Premium FDR
Plan - Plan -
Plan - Benefit Benefit Maturity
Maturity Maturity
Maturity
0 2012 39 36 0 0 0 0 0 0 0 0 0 0 0 0 73862
1 2013 40 37 0 0 18750 0 0 0 18750 44000 0 0 0 44000 0
2 2014 41 38 0 0 0 0 0 0 0 0 0 0 0 0 260000
3 2015 42 39 0 0 0 0 0 0 0 0 77597 0 77597 155195 50000
4 2016 43 40 0 0 0 0 0 0 0 0 0 0 0 0 854190
5 2017 44 41 0 73975 0 0 0 97250 171225 0 0 0 0 0 48031
6 2018 45 42 0 0 18750 0 0 0 18750 0 0 0 0 0 0
7 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 70000
8 2020 47 44 255000 0 0 0 0 0 255000 0 0 0 0 0 0
9 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 0
11 2023 50 47 89625 0 0 0 0 0 89625 0 0 0 0 0 0
12 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0
13 2025 52 49 0 0 0 0 243125 0 243125 0 0 0 0 0 0
14 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0
15 2027 54 51 108500 0 0 0 0 0 108500 0 0 0 0 0 0
16 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0
17 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 0
18 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 0
19 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0
20 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0
21 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 0
22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0
23 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0
try
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0
h n
33 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
is
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0
M
36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0
38 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0
39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0
By m
40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa
Age : Regular Income from Investment Maturity Proceeds of Investments - Post Office Schemes / Bonds / NCD / Company FDR / Bank FDR
Post Office Senior Income - Senior Income - Growth -
Income - Post Office Post Office Income - Postal - National Growth -
Sangita Monthly Citizen Govt. / Pvt. Citizen Govt. / Pvt. Kisan Vikas Govt. / Pvt.
Sr. No. Year Amar Patel Company Reccuring Monthly Company Time Savings Company Bank_FDR
Patel Income Savings Co. -Bond / Savings Co. -Bond / Patra Co. -Bond /
FDs Deposit Scheme FDs Deposit Certificate FDs
Scheme Scheme NCD Scheme NCD NCD
0 2012 39 36 7125 3375 7300 5405 73862 0 0 0 0 0 0 0 0 0 0
1 2013 40 37 28500 13500 20100 10810 0 0 0 0 0 0 0 0 0 0 0
2 2014 41 38 28500 13500 6350 10810 0 110000 0 150000 0 0 0 0 0 0 0
3 2015 42 39 20500 13500 3600 10810 0 0 50000 0 0 0 0 0 0 0 0
4 2016 43 40 20500 6750 2700 8108 36931 250000 100000 40000 100000 37699 0 0 89391 52145 148024
5 2017 44 41 1708 0 0 0 0 0 0 0 0 0 48031 0 0 0 0
6 2018 45 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
7 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 70000 0 0 0
8 2020 47 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
9 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 0
11 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
12 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
13 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
14 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
15 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
16 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
17 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
18 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
19 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
20 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
21 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
23 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
33 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
try
h n
37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
38 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
is
39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
M
40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
By m
Sa
Age : Maturity Proceeds of Retirement Fund - (Self) Maturity Proceeds of Retirement Fund - (Spouse) PPF Maturity Total Fund
Total Mutual Fund
Total ( Re - Available at
Retirement SIP ( Value
Sangita Retirement invested if Retirement
Sr. No. Year Amar Patel EPF EPS Gratuity Any Others Benefit (Self) EPF EPS Gratuity Any Others Benefit at
Patel mature (From Regular
(Spouse) Retirement)
earlier) Investments)
0 2012 39 36 0 0 0 0 0 0 0 0 0 0 0
1 2013 40 37 0 0 0 0 0 0 0 0 0 0 0
2 2014 41 38 0 0 0 0 0 0 0 0 0 0 0
3 2015 42 39 0 0 0 0 0 0 0 0 0 0 0
4 2016 43 40 0 0 0 0 0 0 0 0 0 0 0
5 2017 44 41 0 0 0 0 0 0 0 0 0 0 0
6 2018 45 42 0 0 0 0 0 0 0 0 0 0 0
7 2019 46 43 0 0 0 0 0 0 0 0 0 0 0
8 2020 47 44 0 0 0 0 0 0 0 0 0 0 0
9 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 0
11 2023 50 47 0 0 0 0 0 0 0 0 0 0 0
12 2024 51 48 0 0 0 0 0 0 0 0 0 0 0
13 2025 52 49 0 0 0 0 0 0 0 0 0 0 0
14 2026 53 50 0 0 0 0 0 0 0 0 0 0 0
15 2027 54 51 0 0 0 0 0 0 0 0 0 0 0
16 2028 55 52 0 0 0 0 0 0 0 0 0 0 0
17 2029 56 53 0 0 0 0 0 0 0 0 0 0 0
18 2030 57 54 0 0 0 0 0 0 0 0 0 0 0
19 2031 58 55 0 0 0 0 0 0 0 0 0 0 0
20 2032 59 56 0 0 0 0 0 0 0 0 0 0 0
21 2033 60 57 0 0 0 0 0 0 0 0 0 0 0
22 2034 61 58 6074375 233611 904327 7212313 0 0 0 0 1139315 7565021 15916649
23 2035 62 59 0 0 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 0 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 0
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0
33 2045 72 69 0 0 0 0 0 0 0 0 0 0 0
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0
try
36 2048 75 72 0 0 0 0 0 0 0 0 0
h n
37 2049 76 73 0 0 0 0 0 0 0 0 0
tis Pla
is
38 2050 77 74 0 0 0 0 0 0 0 0 0
39 2051 78 75 0 0 0 0 0 0 0 0 0
M
40 2052 79 76 0 0 0 0 0 0 0 0 0
Sa ple
By m
Sa
Income from Salary - Working Sheet

Salary & EPF Calculation Sheet
Amar Patel > Select > Option : 1 OR 2 << Select << Option : 2
for : Other Deductions
No. of years in Services -Completed 12
OR Increase from
Current Balance of EPF Account 220000 Self Contribution
Applicable Monthly Salary for EPF Monthly EPF Yearly EPF
EPF Deduction
Current Balance of EPS Account 95000 Salary Increase Every Deduction - Contribution Contribution
Rate (%)
EPF Limit Applicable on if Yes - 6500 is Limit Amount Rs. Amount Rs.
Current Interest Rate on EPF 9.50% Yearly : 3
Current Salary?
No
Retirement Age : 60 Year gap 47500 12% 5700 68400
Current Salary Structure Monthly Yearly Rise %wise OR Amt. wise Rise %wise OR Amt. wise Employer Contribution EPF Dedu. Rate
Contribution
Contribution
Applicable Monthly Salary for EPF Amt. - Monthly
(%) Amt. - Yearly Rs.
Basic Salary 35000 420000 8% 0% 0% 0% Deduction - Rs.
EPF Limit Applicable on if Yes - 6500 is Limit
DA 12500 150000 8% 0% OR 0% 0%
Current Salary?
Yes 12.00% EPF EPF
Basic+ DA - Salary 47500 570000 6500 3.67% 239 2863
Other Allowances EPS EPS
Bonus 5000 60000 8% 0% 0% 0% 8.33% 541 6497
HRA 4000 48000 0% 0% 0% 0%
Conveyance 3000 36000 0% 0% 0% 0% ESIC 0 0 Yes
Child Education 1000 12000 0% 0% 0% 0% Professional Tax 250 3000
Medical 1000 12000 0% 0% 0% 0% Total Deductions 5950 71400
Uniform 100 1200 0% 0% 0% 0% Net Salary ( in Cash ) 55650 667800
Total Allowances 14100 169200 Total Value of EPF at Retirement 2033 6074375 Monthly Yearly
Effective Salary (with EPF / EPS)
Total Salary 61600 739200 Total Value of Gratuity at Retirement 2033 904327 62130 745560
try
h n
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Sa ple
By m
Sa
Income from Salary - Working Sheet

Amar Patel Other Allowances ( if in other head -rename it) Other Deductions
EPF
Sr. Total Child Grand Total Professional Total
Age Year Basic Salary DA Bonus HRA Conveyance Medical Uniform Contribution ESIC Net Salary
No. Basic Salary Education (Salary) Tax Deduction
(Self)
1 39 2012 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
2 40 2013 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
3 41 2014 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
4 42 2015 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
5 43 2016 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
6 44 2017 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
7 45 2018 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
8 46 2019 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
9 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 667800
11 49 2022 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
12 50 2023 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
13 51 2024 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
14 52 2025 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
15 53 2026 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
16 54 2027 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
17 55 2028 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
18 56 2029 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
19 57 2030 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
20 58 2031 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
21 59 2032 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
22 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 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 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
try
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
h n
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
is
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
M
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
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
By m
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa
30/09/2012 Net Cash Income
EPS
Opening Total Amt Interest Amt. Closing Opening Closing Effective Applicable Salary After
Age Gratuity Contribution Net Salary Total EPF Total EPS Net Salary
Balance Rs. EPF Rs. Rs. Balance Rs. Balance Rs. Balance Rs. Salary Income Tax Tax
( Employer )
39 220000 23754 20900 264654 0 95000 2166 97166 222600 23754 2166 248520 222600 15714 206886
EPF & EPS - Cash Flow - Today Onwards 40

41
264654
361059
71263
71263
25142
34301
361059
466622
0
0
97166
103663
6497
6497
103663
110161
667800
667800
71263
71263
6497
6497
745560
745560
667800
667800
44774
45310
623026
622490
42 466622 71263 44329 582214 0 110161 6497 116658 667800 71263 6497 745560 667800 44239 623562
43 582214 71263 55310 708787 0 116658 6497 123155 667800 71263 6497 745560 667800 44311 623489
44 708787 71263 67335 847384 0 123155 6497 129653 667800 71263 6497 745560 667800 42045 625755
45 847384 71263 80501 999148 0 129653 6497 136150 667800 71263 6497 745560 667800 42395 625405
46 999148 71263 94919 1165330 0 136150 6497 142648 667800 71263 6497 745560 667800 42395 625405
47 1165330 71263 110706 1347299 0 142648 6497 149145 667800 71263 6497 745560 667800 42395 625405
48 1347299 71263 127993 1546555 0 149145 6497 155642 667800 71263 6497 745560 667800 39305 628495
49 1546555 71263 146923 1764740 0 155642 6497 162140 667800 71263 6497 745560 667800 4202 663598
50 1764740 71263 167650 2003653 0 162140 6497 168637 667800 71263 6497 745560 667800 4202 663598
51 2003653 71263 190347 2265263 0 168637 6497 175135 667800 71263 6497 745560 667800 4202 663598
52 2265263 71263 215200 2551725 0 175135 6497 181632 667800 71263 6497 745560 667800 4202 663598
53 2551725 71263 242414 2865402 0 181632 6497 188129 667800 71263 6497 745560 667800 4202 663598
54 2865402 71263 272213 3208877 0 188129 6497 194627 667800 71263 6497 745560 667800 4202 663598
55 3208877 71263 304843 3584983 0 194627 6497 201124 667800 71263 6497 745560 667800 4202 663598
56 3584983 71263 340573 3996819 0 201124 6497 207622 667800 71263 6497 745560 667800 4202 663598
57 3996819 71263 379698 4447780 0 207622 6497 214119 667800 71263 6497 745560 667800 4202 663598
58 4447780 71263 422539 4941582 0 214119 6497 220616 667800 71263 6497 745560 667800 4202 663598
59 4941582 71263 469450 5482294 0 220616 6497 227114 667800 71263 6497 745560 667800 4202 663598
60 5482294 71263 520818 6074375 904327 227114 6497 233611 667800 71263 6497 745560 667800 4202 663598
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 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
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 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
try
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
h n
tis Pla
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M
Sa ple
By m
Sa
Income Tax - Calculation & Projection Sheet

Your another Taxable Income?
For : Amar Patel No Yes Yes Yes Deductions: 3%
Taxable
Grand Less : Interest on Income Total Under Under Net Applicable Total
Sr. Profession Taxable Income - Other Other Other Income
Age Year Total Exemption Loan from Other Taxable Chapter Chapter VI - Taxable Income Edu. Cess Income
No. al Tax Salary House Income Income Income Tax Ratio
(Salary) U/s. 10 & 17 /Advances Sources Income VI -A Sec.-80 C Income Tax Tax
Properties
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%
try
32 70 2043 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%
h n
33 71 2044 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%
tis Pla
is
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%
M
36 74 2047 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%
Sa ple
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%
By m
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%
Sa
Annexure -1 - Income Tax Calculation sheet

Exemption Under Section -10 & 17 ( Applicable only for Salary Income) Income from House Properties
Limit Limit Limit Limit Limit Limit Limit Limit
Rent Paid Per Month For 2 Child Annual Net Income
120000 800 400 15000 Total Interest on Loan from
Metro 9600 9600 Exemption Deduction 100% 100% House
50% Amount 100% 30% Yes Yes Properties
Rs. House Less : Loan for Loan for
Sr. Conveyan Child S/B A/c. U/s. 10 Net Annual Standard Taxable
Age Year HRA Medical Uniform LTA Rent Municipal Self Additional
No. ce Education Interest (10) Value Deduction Income
Income Tax Residence Home
1 39 2012 48000 9600 9600 12000 1200 80400 0 0 0 0 14090 0 -14090
2 40 2013 48000 9600 9600 12000 1200 80400 0 0 0 0 12034 0 -12034
3 41 2014 48000 9600 9600 12000 1200 80400 0 0 0 0 9786 0 -9786
4 42 2015 48000 9600 9600 12000 1200 80400 0 0 0 0 7327 0 -7327
5 43 2016 48000 9600 9600 12000 1200 80400 0 0 0 0 4637 0 -4637
6 44 2017 48000 9600 9600 12000 1200 80400 0 0 0 0 1695 0 -1695
7 45 2018 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
8 46 2019 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
9 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 0
11 49 2022 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
12 50 2023 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
13 51 2024 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
14 52 2025 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
15 53 2026 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
16 54 2027 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
17 55 2028 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
18 56 2029 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
19 57 2030 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
20 58 2031 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
21 59 2032 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
22 60 2033 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
23 61 2034 0 0 0 0 0 0 0 0 0 0 0 0 0
24 62 2035 0 0 0 0 0 0 0 0 0 0 0 0 0
25 63 2036 0 0 0 0 0 0 0 0 0 0 0 0 0
26 64 2037 0 0 0 0 0 0 0 0 0 0 0 0 0
27 65 2038 0 0 0 0 0 0 0 0 0 0 0 0 0
28 66 2039 0 0 0 0 0 0 0 0 0 0 0 0 0
29 67 2040 0 0 0 0 0 0 0 0 0 0 0 0 0
30 68 2041 0 0 0 0 0 0 0 0 0 0 0 0 0
try
31 69 2042 0 0 0 0 0 0 0 0 0 0 0 0 0
h n
32 70 2043 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
is
33 71 2044 0 0 0 0 0 0 0 0 0 0 0 0 0
M
34 72 2045 0 0 0 0 0 0 0 0 0 0 0 0 0
35 73 2046 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
36 74 2047 0 0 0 0 0 0 0 0 0 0 0 0 0
37 75 2048 0 0 0 0 0 0 0 0 0 0 0 0 0
By m
38 76 2049 0 0 0 0 0 0 0 0 0 0 0 0 0
39 77 2050 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa
40 78 2051 0 0 0 0 0 0 0 0 0 0 0 0 0

Self Home Addi. Home
Under Chapter - VI Share (%) Share (%) Exemption Under Section -80 C
100% 100%
EPF PPF Life Life Ins.
Pension Child Applicable
Sr. Contributi Contributi Insurance (Term Plan Housing Loan Long Term Total Limit U/s.
Age Year Plan ( LI) MF ELSS NSC NPS RGESS Education Others Others Exemption
No. on on Premium Premium) Principal Repayment Bank FDR Amount Rs. -80 C
Fees U/s. 80C
1 39 2012 68400 12000 12873 16450 0 21910 0 36000 167633 100000 100000
2 40 2013 68400 12000 12873 16450 0 23966 0 42000 175689 100000 100000
3 41 2014 68400 12000 12873 16450 0 26214 0 48000 183937 100000 100000
4 42 2015 68400 12000 12873 16450 0 28673 0 54000 192396 100000 100000
5 43 2016 68400 12000 12873 16450 0 31363 0 60000 201086 100000 100000
6 44 2017 68400 12000 12873 16450 0 34305 0 66000 210028 100000 100000
7 45 2018 68400 12000 12873 16450 0 0 0 72000 181723 100000 100000
8 46 2019 68400 12000 12873 16450 0 0 0 78000 187723 100000 100000
9 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 100000
11 49 2022 68400 0 7767 6450 0 0 0 96000 178617 100000 100000
12 50 2023 68400 0 2077 6450 0 0 0 102000 178927 100000 100000
13 51 2024 68400 0 2077 6450 0 0 0 108000 184927 100000 100000
14 52 2025 68400 0 2077 0 0 0 0 114000 184477 100000 100000
15 53 2026 68400 0 2077 0 0 0 0 120000 190477 100000 100000
16 54 2027 68400 0 0 0 0 0 0 126000 194400 100000 100000
17 55 2028 68400 0 0 0 0 0 0 132000 200400 100000 100000
18 56 2029 68400 0 0 0 0 0 0 138000 206400 100000 100000
19 57 2030 68400 0 0 0 0 0 0 144000 212400 100000 100000
20 58 2031 68400 0 0 0 0 0 0 150000 218400 100000 100000
21 59 2032 68400 0 0 0 0 0 0 156000 224400 100000 100000
22 60 2033 68400 0 0 0 0 0 0 162000 230400 100000 100000
23 61 2034 0 0 0 0 0 0 0 0 0 100000 0
24 62 2035 0 0 0 0 0 0 0 0 0 100000 0
25 63 2036 0 0 0 0 0 0 0 0 0 100000 0
26 64 2037 0 0 0 0 0 0 0 0 0 100000 0
27 65 2038 0 0 0 0 0 0 0 0 0 100000 0
28 66 2039 0 0 0 0 0 0 0 0 0 100000 0
29 67 2040 0 0 0 0 0 0 0 0 0 100000 0
30 68 2041 0 0 0 0 0 0 0 0 0 100000 0
try
31 69 2042 0 0 0 0 0 0 0 0 0 100000 0
h n
32 70 2043 0 0 0 0 0 0 0 0 0 100000 0
tis Pla
is
33 71 2044 0 0 0 0 0 0 0 0 0 100000 0
34 72 2045 0 0 0 0 0 0 0 0 0 100000 0
M
35 73 2046 0 0 0 0 0 0 0 0 0 100000 0
Sa ple
36 74 2047 0 0 0 0 0 0 0 0 0 100000 0
37 75 2048 0 0 0 0 0 0 0 0 0 100000 0
By m
38 76 2049 0 0 0 0 0 0 0 0 0 100000 0
39 77 2050 0 0 0 0 0 0 0 0 0 100000 0
Sa
40 78 2051 0 0 0 0 0 0 0 0 0 100000 0

Income from other sources
Under Chapter - VI-A -Exemption Under Section -80 D & Others ( Interest - Regular & Provisional)
Select - Other members from following to clubbing income (if any)
Medical Deduction
Health Ins. Medical for Interest on Rent - Total
Health for for
Sr. For Handicapped Higher Donation ( 80GG) Total Income
Age Year Insurance Specified Permanent Others Others Year Amar Patel Kevin Sandhya
No. Parents Dependants Education ( 80 G ) if HRA not Deduction from other
( 80 D) Disease Disability
( 80 D) ( 80 DD) Loan Recd. sources
( 80 DDB) ( 80 U)
1 39 2012 15000 15000 2012 34569 0 2570 0 37139
2 40 2013 15000 15000 2013 20841 0 2746 0 23588
3 41 2014 15000 15000 2014 20985 0 2935 0 23920
4 42 2015 15000 15000 2015 13139 0 3137 0 16276
5 43 2016 15000 15000 2016 10602 0 3352 0 13954
6 44 2017 15000 15000 2017 0 0 0 0 0
7 45 2018 15000 15000 2018 0 0 0 0 0
8 46 2019 15000 15000 2019 0 0 0 0 0
9 47 2020 15000 15000 2020 0 0 0 0 0
10 48 2021 15000 15000 2021 0 0 0 0 0
11 49 2022 15000 15000 2022 0 0 0 0 0
12 50 2023 15000 15000 2023 0 0 0 0 0
13 51 2024 15000 15000 2024 0 0 0 0 0
14 52 2025 15000 15000 2025 0 0 0 0 0
15 53 2026 15000 15000 2026 0 0 0 0 0
16 54 2027 15000 15000 2027 0 0 0 0 0
17 55 2028 15000 15000 2028 0 0 0 0 0
18 56 2029 15000 15000 2029 0 0 0 0 0
19 57 2030 15000 15000 2030 0 0 0 0 0
20 58 2031 15000 15000 2031 0 0 0 0 0
21 59 2032 15000 15000 2032 0 0 0 0 0
22 60 2033 15000 15000 2033 0 0 0 0 0
23 61 2034 0 2034 0 0 0 0 0
24 62 2035 0 2035 0 0 0 0 0
25 63 2036 0 2036 0 0 0 0 0
26 64 2037 0 2037 0 0 0 0 0
27 65 2038 0 2038 0 0 0 0 0
28 66 2039 0 2039 0 0 0 0 0
29 67 2040 0 2040 0 0 0 0 0
try
30 68 2041 0 2041 0 0 0 0 0
h n
31 69 2042 0 2042 0 0 0 0 0
tis Pla
32 70 2043 0 2043 0 0 0 0 0
is
33 71 2044 0 2044 0 0 0 0 0
M
34 72 2045 0 2045 0 0 0 0 0
Sa ple
35 73 2046 0 2046 0 0 0 0 0
36 74 2047 0 2047 0 0 0 0 0
37 75 2048 0 2048 0 0 0 0 0
By m
38 76 2049 0 2049 0 0 0 0 0
Sa
39 77 2050 0 2050 0 0 0 0 0
40 78 2051 0 2051 0 0 0 0 0
Income Tax - Calculation & Projection Sheet

Your another Taxable Income?
For : Sangita Patel No No No No Deductions: 3% Transfer to Expenses
Taxable
Interest on Income Total Under Under Net Applicable Total
Sr. Self Total Income - Other Other Other Income
Age Year Loan from Other Taxable Chapter Chapter VI - Taxable Income Edu. Cess Income
No. Income Income House Income Income Income Tax Ratio
/Advances Sources Income VI -A Sec.-80 C Income Tax Tax
Properties
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%
try
32 0 2043 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%
h n
33 0 2044 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%
tis Pla
is
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%
M
36 0 2047 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%
Sa ple
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%
By m
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%
Sa

Exemption Under Section -10 & 17 ( Applicable only for Salary Income) Income from House Properties
Limit Limit Limit Limit Limit Limit Limit Limit
Rent Paid Per Month For 2 Child Annual Net Income
120000 800 400 15000 Total Interest on Loan from
Metro 9600 9600 Exemption Deduction 0% 0% House
50% Amount 0% 30% No No Properties
Rs. House Less : Loan for Loan for
Sr. Conveyan Child S/B A/c. U/s. 10 Net Annual Standard Taxable
Age Year HRA Medical Uniform LTA Rent Municipal Self Additional
No. ce Education Interest (10) Value Deduction Income
Income Tax Residence Home
1 36 2012 0 0 0 0 0 0 0 0 0 0 0 0 0
2 37 2013 0 0 0 0 0 0 0 0 0 0 0 0 0
3 38 2014 0 0 0 0 0 0 0 0 0 0 0 0 0
4 39 2015 0 0 0 0 0 0 0 0 0 0 0 0 0
5 40 2016 0 0 0 0 0 0 0 0 0 0 0 0 0
6 41 2017 0 0 0 0 0 0 0 0 0 0 0 0 0
7 42 2018 0 0 0 0 0 0 0 0 0 0 0 0 0
8 43 2019 0 0 0 0 0 0 0 0 0 0 0 0 0
9 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 0
11 46 2022 0 0 0 0 0 0 0 0 0 0 0 0 0
12 47 2023 0 0 0 0 0 0 0 0 0 0 0 0 0
13 48 2024 0 0 0 0 0 0 0 0 0 0 0 0 0
14 49 2025 0 0 0 0 0 0 0 0 0 0 0 0 0
15 50 2026 0 0 0 0 0 0 0 0 0 0 0 0 0
16 51 2027 0 0 0 0 0 0 0 0 0 0 0 0 0
17 52 2028 0 0 0 0 0 0 0 0 0 0 0 0 0
18 53 2029 0 0 0 0 0 0 0 0 0 0 0 0 0
19 54 2030 0 0 0 0 0 0 0 0 0 0 0 0 0
20 55 2031 0 0 0 0 0 0 0 0 0 0 0 0 0
21 56 2032 0 0 0 0 0 0 0 0 0 0 0 0 0
22 57 2033 0 0 0 0 0 0 0 0 0 0 0 0 0
23 58 2034 0 0 0 0 0 0 0 0 0 0 0 0 0
24 59 2035 0 0 0 0 0 0 0 0 0 0 0 0 0
25 60 2036 0 0 0 0 0 0 0 0 0 0 0 0 0
26 0 2037 0 0 0 0 0 0 0 0 0 0 0 0 0
27 0 2038 0 0 0 0 0 0 0 0 0 0 0 0 0
28 0 2039 0 0 0 0 0 0 0 0 0 0 0 0 0
29 0 2040 0 0 0 0 0 0 0 0 0 0 0 0 0
30 0 2041 0 0 0 0 0 0 0 0 0 0 0 0 0
try
31 0 2042 0 0 0 0 0 0 0 0 0 0 0 0 0
h n
32 0 2043 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
is
33 0 2044 0 0 0 0 0 0 0 0 0 0 0 0 0
M
34 0 2045 0 0 0 0 0 0 0 0 0 0 0 0 0
35 0 2046 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
36 0 2047 0 0 0 0 0 0 0 0 0 0 0 0 0
37 0 2048 0 0 0 0 0 0 0 0 0 0 0 0 0
By m
38 0 2049 0 0 0 0 0 0 0 0 0 0 0 0 0
39 0 2050 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa
40 0 2051 0 0 0 0 0 0 0 0 0 0 0 0 0

Self Home Addi. Home
Under Chapter - VI Share (%) Share (%) Exemption Under Section -80 C
0% 0%
EPF PPF Life Life Ins.
Pension Child Applicable
Sr. Contributi Contributi Insurance (Term Plan Housing Loan Long Term Total Limit U/s.
Age Year Plan ( LI) MF ELSS NSC NPS RGESS Education Others Others Exemption
No. on on Premium Premium) Principal Repayment Bank FDR Amount Rs. -80 C
Fees U/s. 80C
1 36 2012 0 12000 4550 2118 0 0 0 0 18668 100000 18668

2 37 2013 0 12000 4550 2118 0 0 0 0 18668 100000 18668
3 38 2014 0 12000 4550 2118 0 0 0 0 18668 100000 18668
4 39 2015 0 12000 4550 2118 0 0 0 0 18668 100000 18668
5 40 2016 0 10000 4550 2118 0 0 0 0 16668 100000 16668
6 41 2017 0 0 4550 2118 0 0 0 0 6668 100000 6668
7 42 2018 0 0 4550 2118 0 0 0 0 6668 100000 6668
8 43 2019 0 0 4550 2118 0 0 0 0 6668 100000 6668
9 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 2118
11 46 2022 0 0 0 0 0 0 0 0 0 100000 0
12 47 2023 0 0 0 0 0 0 0 0 0 100000 0
13 48 2024 0 0 0 0 0 0 0 0 0 100000 0
14 49 2025 0 0 0 0 0 0 0 0 0 100000 0
15 50 2026 0 0 0 0 0 0 0 0 0 100000 0
16 51 2027 0 0 0 0 0 0 0 0 0 100000 0
17 52 2028 0 0 0 0 0 0 0 0 0 100000 0
18 53 2029 0 0 0 0 0 0 0 0 0 100000 0
19 54 2030 0 0 0 0 0 0 0 0 0 100000 0
20 55 2031 0 0 0 0 0 0 0 0 0 100000 0
21 56 2032 0 0 0 0 0 0 0 0 0 100000 0
22 57 2033 0 0 0 0 0 0 0 0 0 100000 0
23 58 2034 0 0 0 0 0 0 0 0 0 100000 0
24 59 2035 0 0 0 0 0 0 0 0 0 100000 0
25 60 2036 0 0 0 0 0 0 0 0 0 100000 0
26 0 2037 0 0 0 0 0 0 0 0 0 100000 0
27 0 2038 0 0 0 0 0 0 0 0 0 100000 0
28 0 2039 0 0 0 0 0 0 0 0 0 100000 0
29 0 2040 0 0 0 0 0 0 0 0 0 100000 0
30 0 2041 0 0 0 0 0 0 0 0 0 100000 0
try
31 0 2042 0 0 0 0 0 0 0 0 0 100000 0
h n
32 0 2043 0 0 0 0 0 0 0 0 0 100000 0
tis Pla
is
33 0 2044 0 0 0 0 0 0 0 0 0 100000 0
34 0 2045 0 0 0 0 0 0 0 0 0 100000 0
M
35 0 2046 0 0 0 0 0 0 0 0 0 100000 0
Sa ple
36 0 2047 0 0 0 0 0 0 0 0 0 100000 0
37 0 2048 0 0 0 0 0 0 0 0 0 100000 0
By m
38 0 2049 0 0 0 0 0 0 0 0 0 100000 0
39 0 2050 0 0 0 0 0 0 0 0 0 100000 0
Sa
40 0 2051 0 0 0 0 0 0 0 0 0 100000 0

Income from other sources
Under Chapter - VI-A -Exemption Under Section -80 D & Others ( Interest - Regular & Provisional)
Select - Other members from following to clubbing income (if any)
Medical Deduction
Health Ins. Medical for Interest on Rent - Total
Health for for
Sr. For Handicapped Higher Donation ( 80GG) Total Sangita Income
Age Year Insurance Specified Permanenet Others Others Year
No. Parents Dependants Education ( 80 G ) if HRA not Deduction Patel from other
( 80 D) Disease Disability
( 80 D) ( 80 DD) Loan Recd. sources
( 80 DDB) ( 80 U)
1 36 2012 0 2012 22732 0 0 0 22732
2 37 2013 0 2013 22887 0 0 0 22887
3 38 2014 0 2014 23053 0 0 0 23053
4 39 2015 0 2015 23230 0 0 0 23230
5 40 2016 0 2016 23420 0 0 0 23420
6 41 2017 0 2017 4832 0 0 0 4832
7 42 2018 0 2018 0 0 0 0 0
8 43 2019 0 2019 0 0 0 0 0
9 44 2020 0 2020 0 0 0 0 0
10 45 2021 0 2021 0 0 0 0 0
11 46 2022 0 2022 0 0 0 0 0
12 47 2023 0 2023 0 0 0 0 0
13 48 2024 0 2024 0 0 0 0 0
14 49 2025 0 2025 0 0 0 0 0
15 50 2026 0 2026 0 0 0 0 0
16 51 2027 0 2027 0 0 0 0 0
17 52 2028 0 2028 0 0 0 0 0
18 53 2029 0 2029 0 0 0 0 0
19 54 2030 0 2030 0 0 0 0 0
20 55 2031 0 2031 0 0 0 0 0
21 56 2032 0 2032 0 0 0 0 0
22 57 2033 0 2033 0 0 0 0 0
23 58 2034 0 2034 0 0 0 0 0
24 59 2035 0 2035 0 0 0 0 0
25 60 2036 0 2036 0 0 0 0 0
26 0 2037 0 2037 0 0 0 0 0
27 0 2038 0 2038 0 0 0 0 0
28 0 2039 0 2039 0 0 0 0 0
29 0 2040 0 2040 0 0 0 0 0
try
30 0 2041 0 2041 0 0 0 0 0
h n
31 0 2042 0 2042 0 0 0 0 0
tis Pla
32 0 2043 0 2043 0 0 0 0 0
is
33 0 2044 0 2044 0 0 0 0 0
M
34 0 2045 0 2045 0 0 0 0 0
Sa ple
35 0 2046 0 2046 0 0 0 0 0
36 0 2047 0 2047 0 0 0 0 0
37 0 2048 0 2048 0 0 0 0 0
By m
38 0 2049 0 2049 0 0 0 0 0
Sa
39 0 2050 0 2050 0 0 0 0 0
40 0 2051 0 2051 0 0 0 0 0
Goal Mapping & Funding - with Future Need & Investment Cash Flow - Calculation
With Proposed Investment Portfolio

Finding from Your Risk Analysis Non Maturity based Investment Portfolio Existing Expected
Calculation of Required Emergency Fund. ( i. e. Direct Equity + Mutual Fund) Portfolio Return (%)
Particulars Current Value Cash / S.B. A/c. / Bank FDR <1 Year 379258 6%
Risk Analysis
Risk Capacity High
Regular Expenses 485400 Debt -Liquid 162539 8%
Loan EMI Amount 132000 Debt -Short Term, Income & G. Sec. 0 8%
Emergency Fund - Risk Behaviour Balanced - (Medium Risk)
Regular Investment Commitment 257991 Direct Equity 66960 18%
Should be kept in form of Cash Equity - Diversified
Total Yearly Outflow Amount Rs. 875391 1240000 15%
& Equivalent Advice to kept emergency For Months Aggregate Balanced - (Medium Risk) Equity - Diversified -ELSS 0 15%
fund in Cash or Equivalent 291797 Equity - Sectoral 0 15%
for the Month Nos. >>>> 4 Equity - Thematic & Others 90000 15%
Hybrid Fund - Balanced 200000 13%
Your risk profile is suggest that you are a - Hybrid Fund - Asset Allocation/Others 0 10%
Also required fund in Cash & Equivalent Total Amount to be required in Current
for Current Year Requirements ( If any) Year ( i.e. in Year )
250000 Balanced - (Medium Risk) - type of investor Hybrid Fund - MIP 148573 9%
Gold Funds / ETF 0 8%
Total Amount & Weighted Avg. Return 2287330 12.47%
Post Tax Rate of Return - Assumption

Financial Concerns Future Need - Period breakup with required Rate of Return Non Maturity based Expected
Investment Portfolio Existing Portfolio Wighted
Inflation Extremely Concern Post Tax -
Tax Relief/advantage Slightly Concern
For - Pre - Retirement Period : Period (Years) : Return Select
( i. e. Direct Equity + Mutual Portfolio Weightage Average
Fund) Return (%)
Safety/ Security Slightly Concern Short Term Need 0 - to - 3 8% Short to Medium Term 690370 30% 11.51%
Period
Liquidity Not Concern Medium Term Need 4 - to - 7 9% Medium to Long Term 1190000 52% 11.82%
( No. of Years ) 22
Generating Income Not Concern Long Term Need Long Term Funds 406960 18% 12.00%
Ease of Management Extremely Concern 8 - Year onwards Total : 2287330 100.00% 11.51%
Note :
Age : 60 Post Tax Rate
Investment Priorities Retirement :
Year : 2033 Post Retirement of Return (%) If retirement period is fall in Short / Medium Term
Preserve Capital Some Extent Age : 80 Rate of Return (%) Period, Long Term Return Rate is automatically
Life Expectacy : 9%
Regular Income Not Priority Year : 2053 replaced by Post Retirement Rate of Return. Please
Timely Goal Achievement Very Important
Optimum Return Fairly Important Select : Retirement Cash Flow - With Accumulation & Consumption. #N/A
check first, how much year left to retirement.
Growth Over Time Very Important
Maximum Growth Some Extent
Planner'
s Note
try
h n
tis Pla
is
M
Sa ple
By m
Sa
Goal Selection
Inflation Wants to include Goal Funding Goal Funding
Financial Goal Particulars Present Cost Effect -
Period
( Years)
Fund to be
Fund to be
OR Calculate your If Goal Selection is
"Yes", Goal Future Goal -
Amt. from Amount Total Possible
Possible Goal
Age at Goal of Goal OR Present Goal required in Goal Amt. with Assets through Goal Shortfall in Shortfall in
available for required for Goal Priority Current Cash Funding from Amount to be Achievement
Start Target Goal Amount will Period OR Assets Liquidation required Rs.
Liquidation / Financial Achievement Goal Amt. Rs. Goal %wise
Regular No. of Years Flow? %wise
Amount rise @%wise Year / Future Loan? Future Loans - Investment Amt. Rs.
Investments
OR Amt.wise Rs. A/c.
Child Age % OR/ Amt,wise After calculating with your actual cash flow
0 0 0 High Yes N.A. 0 0 0 0 0 0% 0%
Fund for - Pre-Primary & Primary Education 12 50000 10.00% 1 2013 - To - 2015 3 High Yes N.A. 182050 0 182050 182050 0 100% 0%
Fund for - Secondary & Higher Sec. Education 15 100000 10.00% 4 2016 - To - 2019 4 High Yes N.A. 679489 0 679489 679489 0 100% 0%
Planning
Fund for - Graduation & Higher Education 19 100000 10.00% 8 2020 - To - 2022 3 Optional Yes N.A. 709528 0 709528 709528 0 100% 0%
For-Kevin
Fund for - Post Graduation & Master Degree 22 500000 10.00% 11 2023 - To - 2025 3 High Yes N.A. 4721908 0 4721908 4721908 0 100% 0%
Fund for - For start in life 28 1500000 5.00% 17 2029 1 High Yes Yes 3438027 1719014 1719014 3438027 0 100% 0%
Fund for - Marriage Expenses 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%
Fund for -- Pre-Primary & Primary Education 7 50000 6.00% 1 2013 - To - 2020 8 High Yes N.A. 524566 0 524566 524566 0 100% 0%
Planning Fund for -- Secondary & Higher Sec. Education 15 100000 6.00% 9 2021 - To - 2024 4 High Yes N.A. 739082 0 739082 739082 0 100% 0%
For- Fund for -- Graduation & Higher Education 19 100000 10.00% 13 2025 - To - 2027 3 High Yes N.A. 1142702 0 1142702 1142702 0 100% 0%
Sandhya Fund for -- Post Graduation & Master Degree 22 500000 10.00% 16 2028 - To - 2030 3 High Yes N.A. 7604680 0 4854718 4854718 2749963 64% 36%
Fund for -- Marriage Expenses 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%
Future Financial
Need - Fund for - New Residential House 47 3500000 6.00% 8 2020 1 High Yes Yes 5578468 2789234 2789234 5578468 0 100% 0%
Need - Fund for - Motor Car 42 800000 6.00% 3 2015 1 Medium Yes Yes 952813 476406 476406 952813 0 100% 0%
Goal
Future Need - Fund for - Bike for Kevin 45 70000 6.00% 6 2018 1 Medium Yes Yes 99296 0 99296 99296 0 100% 0%
Need Need - Fund for - Scooty for Sandhya 48 55000 6.00% 9 2021 1 Medium Yes Yes 92921 0 92921 92921 0 100% 0%
Need - Fund for - 2 Computer System 44 80000 5.00% 5 2017 1 Medium Yes Yes 102103 0 102103 102103 0 100% 0%
Need - Fund for - Home Appliances / Furniture 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%
Retirement

60 7224450 0 21 2033 1 High Yes 71115515 0 39555542 39555542 31559973 56% 44%
Planning

Retirement Retirement Need Provision - Medical Expenses 60 500000 6.00% 21 2033 1 High Yes 1699782 0 1699782 1699782 0 100% 0%
Corpus &
Retirement Need Provision - Tour - Yatra 60 1000000 5.00% 21 2033 1 Medium Yes 2785963 0 2785963 2785963 0 100% 0%
Provision
Retirement Need Provision - Donation / Gift 60 1000000 5.00% 21 2033 1 Low Yes 2785963 0 2785963 2785963 0 100% 0%
Retirement Need Provision - Reserve Balance 60 1000000 6.00% 21 2033 1 Optional Yes 3399564 0 3399564 3399564 0 100% 0%
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Your Age 81786786 50226812 50226812 31559973 61% 39%
Future Financial
h n
Dream - Fund for - Farm House & Land 57 3000000 6.00% 18 2030 1 Optional Yes Yes 8563017 0 0 0 8563017 0% 100%
tis Pla
is
Dream - Fund for - Create Wealth for Family 77 5000000 21 2050 1 Optional Yes Yes 5000000 0 0 0 5000000 0% 100%
Goal
Future
M
0 0 0 High Yes Yes 0 0 0 0 0 0% 0%
Dreams Dream - Fund for - Domestic Long Tour 57 40000 5.00% 18 2030 - To - 2045 Every 3 Year Optional Yes Yes 859051 0 762786 762786 96265 89% 11%
Sa ple
Dream - Fund for - Foreign Tour 62 250000 5.00% 21 2035 - To - 2055 Every 5 Year Optional Yes Yes 4595080 0 2998710 2998710 1596369 65% 35%
19017148 0 3761496 3761496 15255652 20% 80%
By m
130302815 6149510 74587717 80737227 49565587 62% 38%
Sa
Age :
Loan
Regular Net Balance
Agriculture Surplus Total Loan Repayment Net Surplus
Spouse Total Investment (+/-)
Sr. No. Year Amar Patel Sangita Patel Kevin Sandhya Self Income Income Other Income Total Income (Basic Cash Repayment For Future for Savings /
Income Expenses Commitment @Each Year
(if any) Flow) Amount Rs. Goal Amount Investment
(Outflow) Ended
Rs.
0 2012 39 36 11 6 206886 60000 50000 3750 320636 153619 167017 19500 147517 92053 55464
1 2013 40 37 12 7 623026 197773 165000 15000 1000799 496011 504789 72000 0 432789 284951 147838
2 2014 41 38 13 8 622490 215513 181500 15000 1034504 533953 500551 54000 0 446551 304151 142400
3 2015 42 39 14 9 623562 235038 199650 15000 1073249 574912 498337 154000 68790 275547 323351 -47804
4 2016 43 40 15 10 623489 256297 219615 15000 1114402 619137 495265 36000 68790 390474 337551 52923
5 2017 44 41 16 11 625755 280818 241577 15000 1163149 666898 496251 36000 68790 391461 343751 47710
6 2018 45 42 17 12 625405 307324 265734 15000 1213464 718490 494974 0 68790 426183 362951 63232
7 2019 46 43 18 13 625405 335927 292308 15000 1268640 774231 494409 0 68790 425618 382151 43467
8 2020 47 44 19 14 625405 366925 321538 115000 1428868 834467 594401 0 69747 524654 395245 129409
9 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 69294
11 2023 50 47 22 17 663598 512160 427968 0 1603725 1046079 557646 0 69747 487899 429727 58172
12 2024 51 48 23 18 663598 558232 470764 0 1692594 1128402 564193 0 69747 494445 448927 45518
13 2025 52 49 24 19 663598 608905 517841 0 1790343 1217458 572885 0 69747 503138 461677 41461
14 2026 53 50 25 20 663598 664649 569625 0 1897872 1313819 584053 0 69747 514305 480877 33428
15 2027 54 51 26 21 663598 725959 626587 0 2016144 1418106 598038 0 69747 528291 498000 30291
16 2028 55 52 27 22 663598 793404 689246 0 2146247 1530995 615253 0 69747 545506 517200 28306
17 2029 56 53 28 23 663598 867595 758171 0 2289363 1653220 636143 0 69747 566396 536400 29996
18 2030 57 54 29 24 663598 949120 833988 0 2446706 1785583 661123 0 69747 591375 555600 35775
19 2031 58 55 30 25 663598 1028589 917386 0 2609572 1928954 680619 0 69747 610872 574800 36072
20 2032 59 56 31 26 663598 1115994 1009125 0 2788717 2084280 704437 0 69747 634689 594000 40689
21 2033 60 57 32 27 663598 1212143 1110037 0 2985778 2252595 733183 0 69747 663436 613200 50236
22 2034 61 58 33 28 0 1317908 0 0 1317908 0 1317908 0 69747 1248161 0 1248161
23 2035 62 59 34 29 0 1434254 0 0 1434254 0 1434254 0 0 1434254 0 1434254
24 2036 63 60 35 30 0 1562224 0 0 1562224 0 1562224 0 0 1562224 0 1562224
25 2037 64 61 36 31 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 37 32 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 38 33 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 39 34 0 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 40 35 0 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 41 36 0 0 0 0 0 0 0 0 0 0 0 0
31 2043 70 67 42 37 0 0 0 0 0 0 0 0 0 0 0 0
32 2044 71 68 43 38 0 0 0 0 0 0 0 0 0 0 0 0
33 2045 72 69 44 39 0 0 0 0 0 0 0 0 0 0 0 0
34 2046 73 70 45 40 0 0 0 0 0 0 0 0 0 0 0 0
35 2047 74 71 46 41 0 0 0 0 0 0 0 0 0 0 0 0
36 2048 75 72 47 42 0 0 0 0 0 0 0 0 0 0 0 0
37 2049 76 73 48 43 0 0 0 0 0 0 0 0 0 0 0 0
38 2050 77 74 49 44 0 0 0 0 0 0 0 0 0 0 0 0
39 2051 78 75 50 45 0 0 0 0 0 0 0 0 0 0 0 0
40 2052 79 76 51 46 0 0 0 0 0 0 0 0 0 0 0 0
41 2053 80 77 52 47 0 0 0 0 0 0 0 0 0 0 0 0
2054 0 0 0 0 0 0
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42 81 78 53 48 0 0 0 0 0 0
h n
43 2055 82 79 54 49 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
44 2056 83 80 55 50 0 0 0 0 0 0 0 0 0 0 0 0
is
45 2057 84 81 56 51 0 0 0 0 0 0 0 0 0 0 0 0
M
46 2058 85 82 57 52 0 0 0 0 0 0 0 0 0 0 0 0
47 2059 86 83 58 53 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
48 2060 87 84 59 54 0 0 0 0 0 0 0 0 0 0 0 0
49 2061 88 85 60 55 0 0 0 0 0 0 0 0 0 0 0 0
50 2062 89 86 61 56 0 0 0 0 0 0 0 0 0 0 0 0
By m
Sa
Required Net Total Amount of Goal Funding Inflow through Maturity proceeds of Life Insurance Schemes / Fixed Return Schemes & Interest Income on Aggregate Amt. of
Summary Data - Retirement Need
For Child Future Need / Other Future Need &
(Other than Retirement Need) Investments. ( For Other than Retirement Need ) Need & Fund
Dreams / Retirement Needs Income from Investment Total Inflow
Total Amount Total inflow Investments Account Total Inflow - Retirement
& of Goal
Net Amount
through
Total inflow
Investment
Total Amount -
Benefit /
Total Amount throgh
Child Future Child Future Future to be required Regular Total Amount of through Post Of Future Maturity
Funds available through Maturity proceeds Funding to be Interest / Sys. Total Income / Total Income / Income & Investment
Planning - Planning - Financial from Income from Mutual Fund Withdrawal Maturity Maturity Retirement Need / Proceeds &
of Investment / Interest Income & Retirement from Sale of Maturity Maturity Maturity
Future Need Future Need Need & Financial Maturity Proceeds from proceeds of Expenses & Dreams / Investment
Assets & Debt Regular from Proceeds Proceeds of proceeds of
Benefit / PPF A/c. Etc. for Kevin for Sandhya Dream Investment
Proceeds
Amount from
Postal Investment Funding Need Retirement Income,
Future Loan - Investment Withdrawal Investment Amount from Schemes / Investment Retirement
Portfolio - Rs. (Other than (SWP) Unit Linked Account - Rs. Need Etc. Retirement
Rs. Account Traditional Plan Bonds - NCD / Account Account
Sr. No. Year Amar Patel Sangita Patel MF) Plan Fund Etc.
FDR
0 2012 39 36 23205 0 23205 0 0 73862 73862 97067 0 97067

1 2013 40 37 55000 53000 0 0 108000 72910 0 72910 18750 0 0 18750 91660 0 0 108000 91660
2 2014 41 38 60500 56180 0 0 116680 59160 0 59160 0 0 260000 260000 319160 0 0 116680 319160
3 2015 42 39 66550 59551 952813 476406 602507 48410 0 48410 0 77597 50000 127597 176007 0 0 602507 176007
4 2016 43 40 146410 63124 0 0 209534 38058 0 38058 0 0 674955 674955 713013 0 0 209534 713013
5 2017 44 41 161051 66911 102103 0 330065 1708 0 1708 0 0 48031 48031 49739 0 0 330065 49739
6 2018 45 42 177156 70926 99296 0 347378 0 0 0 18750 0 0 18750 18750 0 0 347378 18750
7 2019 46 43 194872 75182 0 0 270053 0 0 0 0 0 0 0 0 0 0 270053 0
8 2020 47 44 214359 79692 5578468 2789234 3083285 0 0 0 213667 0 0 213667 213667 0 0 3083285 213667
9 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 108500
11 2023 50 47 1426558 189830 0 0 1616388 0 0 0 0 0 0 0 0 0 0 1616388 0
12 2024 51 48 1569214 201220 0 0 1770434 0 0 0 0 0 0 0 0 0 0 1770434 0
13 2025 52 49 1726136 345227 0 0 2071363 0 0 0 243125 0 0 243125 243125 0 0 2071363 243125
14 2026 53 50 0 379750 0 0 379750 0 0 0 0 0 0 0 0 0 0 379750 0
15 2027 54 51 0 417725 0 0 417725 0 0 0 108500 0 0 108500 108500 0 0 417725 108500
16 2028 55 52 0 2297486 0 0 2297486 0 0 0 0 0 0 0 0 0 0 2297486 0
17 2029 56 53 3438027 2527235 420000 1719014 4666249 0 0 0 0 0 0 0 0 0 0 4666249 0
18 2030 57 54 0 2779959 8659282 0 11439241 0 0 0 0 0 0 0 0 0 0 11439241 0
19 2031 58 55 907680 0 0 363072 544608 0 0 0 0 0 0 0 0 0 0 544608 0
20 2032 59 56 0 1603568 0 801784 801784 0 0 0 0 0 0 0 0 0 0 801784 0
21 2033 60 57 0 0 111439 0 111439 0 0 0 0 0 0 0 0 0 0 111439 0
22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 11836649 15916649 11836649 15916649
23 2035 62 59 0 0 767881 0 767881 0 0 0 0 0 0 0 0 1320672 0 2088553 0
24 2036 63 60 0 0 129004 0 129004 0 0 0 0 0 0 0 0 1487159 0 1616163 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 1665701 0 1665701 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 1857225 0 1857225 0
27 2039 66 63 0 0 149338 0 149338 0 0 0 0 0 0 0 0 2062740 0 2212078 0
28 2040 67 64 0 0 980032 0 980032 0 0 0 0 0 0 0 0 2283333 0 3263365 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 2520184 0 2520184 0
30 2042 69 66 0 0 172878 0 172878 0 0 0 0 0 0 0 0 2774571 0 2947449 0
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 3047879 0 3047879 0
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 3341609 0 3341609 0
33 2045 72 69 0 0 1450925 0 1450925 0 0 0 0 0 0 0 0 3657387 0 5108312 0
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 3996981 0 3996981 0
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 4362304 0 4362304 0
36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 4755438 0 4755438 0
37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 5178639 0 5178639 0
try
h n
38 2050 77 74 0 0 6596369 0 6596369 0 0 0 0 0 0 0 0 5634359 0 12230728 0
tis Pla
39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 6125262 0 6125262 0
is
40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 6654243 0 6654243 0
M
41 2053 80 77 0 0 0 0 0 0 0 0 0 0 0 0 0 7224450 0 7224450 0
42 2054 81 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
43 2055 82 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
44 2056 83 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
45 2057 84 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
By m
Sa
Financial Investment Portfolio Cash Flow with Goal Mapping Year Wise Goal Gap / Shortfall Analysis
Lumpsum - Financial Investment + Retirement Portfolio SIP Cash Flow ( Incl. Retirement Fund) Shortfall, Return & Closing Balance
Year Opening Inflow of Closing

C/F - Cash - Net Flow Available Fund Require Opening Possible Goal SIP Balance Outstanding / Return on Possible Goal
Balance Maturity Balance After Weighted Balance
Sr. No. Net Balance - During the Balance for for - Future Balance of fundings from After Shortfall of Balance Achievement Possible Goal
( Investments Amount Fundings Average Rate ( On Cash Shortfall in Shortfall in Primary Cash
upto Year Age in Direct
From Earning
(See Annexure
Year Funding Financial
(7)
SIP A/c. at SIP Corpus Fundings Goal Amount
of Return
Amount
Basis)
(Financial Achievement
Goal Amt. Rs. Goal %wise Flow Shortfall
Retireme Cash Flow (4) (5) Need / Goals Each Year (9) ( 10 ) ( 11 ) (13) Investment) %wise
Equity & MF) ) ( 5-6 ) (12) (14)
nt (2) (2+3) (1+4) (6) (8) ( 8-7) ( 8-9) ( 7-9) ( 7 x 12) Amt. Rs.
(1) (3) (7+13)
0 2012 39 2287330 0 97067 97067 2384397 250000 2134397 0 0 51582 0 0.00% 0 2134397 74587717 60% 49565587 40% 0
1 2013 40 2134397 55464 91660 147124 2281521 108000 2173521 51582 0 235659 0 11.51% 250212 2423733 108000 100% 0 0% 0
2 2014 41 2423733 147838 319160 466998 2890730 116680 2774050 235659 0 462349 0 11.51% 319344 3093394 116680 100% 0 0% 0
3 2015 42 3093394 142400 176007 318407 3411802 602507 2809294 462349 0 738501 0 11.51% 323401 3132696 602507 100% 0 0% 0
4 2016 43 3132696 -47804 713013 665209 3797904 209534 3588371 738501 0 1072066 0 11.82% 424171 4012542 209534 100% 0 0% 0
5 2017 44 4012542 52923 49739 102663 4115204 330065 3785140 1072066 0 1472275 0 11.82% 447431 4232570 330065 100% 0 0% 0
6 2018 45 4232570 47710 18750 66460 4299030 347378 3951651 1472275 0 1949841 0 11.82% 467114 4418765 347378 100% 0 0% 0
7 2019 46 4418765 63232 0 63232 4481997 270053 4211944 1949841 0 2517199 0 11.82% 497882 4709826 270053 100% 0 0% 0
8 2020 47 4709826 43467 213667 257134 4966960 3083285 1883675 2517199 0 3188783 0 12.00% 226041 2109715 3083285 100% 0 0% 0
9 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% 0
11 2023 50 2270363 69294 0 69294 2339657 1616388 723268 4914342 0 6010341 0 12.00% 86792 810061 1616388 100% 0 0% 0
12 2024 51 810061 58172 0 58172 868233 1770434 -902201 6010341 902201 6248314 0 12.00% 0 0 1770434 100% 0 0% 0
13 2025 52 0 45518 243125 288643 288643 2071363 -1782719 6248314 1782719 5515498 0 12.00% 0 0 2071363 100% 0 0% 0
14 2026 53 0 41461 0 41461 41461 379750 -338289 5515498 338289 6354528 0 12.00% 0 0 379750 100% 0 0% 0
15 2027 54 0 33428 108500 141928 141928 417725 -275796 6354528 275796 7413996 0 12.00% 0 0 417725 100% 0 0% 0
16 2028 55 0 30291 0 30291 30291 2297486 -2267196 7413996 2267196 6345273 0 12.00% 0 0 2297486 100% 0 0% 0
17 2029 56 0 28306 0 28306 28306 4666249 -4637943 6345273 4637943 2365914 0 12.00% 0 0 4666249 100% 0 0% 0
18 2030 57 0 29996 0 29996 29996 11439241 -11409245 2365914 0 3143390 11409245 12.00% 0 0 29996 0% 11409245 100% 0
19 2031 58 0 429103 0 429103 429103 544608 -115505 3143390 115505 3924796 0 12.00% 0 0 544608 100% 0 0% 0
20 2032 59 0 356785 0 356785 356785 801784 -444999 3924796 444999 4462377 0 12.00% 0 0 801784 100% 0 0% 0
21 2033 60 0 40689 0 40689 40689 111439 -70749 4462377 70749 5533810 0 12.00% 0 0 111439 100% 0 0% 0
22 2034 61 0 50236 15916649 15966885 15966885 11836649 4130236 16276449 0 16276449 0 7.00% 1428468 21835153 11836649 100% 0 0% 0
0 2035 62 21835153 1248161 0 1248161 23083314 2088553 20994761 0 0 0 0 7.00% 1469633 22464394 2088553 100% 0 0% 0
0 2036 63 22464394 1434254 0 1434254 23898648 1616163 22282485 0 0 0 0 7.00% 1559774 23842259 1616163 100% 0 0% 0
0 2037 64 23842259 1562224 0 1562224 25404483 1665701 23738783 0 0 0 0 7.00% 1661715 25400497 1665701 100% 0 0% 0
0 2038 65 25400497 0 0 0 25400497 1857225 23543272 0 0 0 0 7.00% 1648029 25191301 1857225 100% 0 0% 0
0 2039 66 25191301 0 0 0 25191301 2212078 22979223 0 0 0 0 7.00% 1608546 24587769 2212078 100% 0 0% 0
0 2040 67 24587769 0 0 0 24587769 3263365 21324403 0 0 0 0 7.00% 1492708 22817112 3263365 100% 0 0% 0
0 2041 68 22817112 0 0 0 22817112 2520184 20296928 0 0 0 0 7.00% 1420785 21717713 2520184 100% 0 0% 0
0 2042 69 21717713 0 0 0 21717713 2947449 18770264 0 0 0 0 7.00% 1313918 20084182 2947449 100% 0 0% 0
0 2043 70 20084182 0 0 0 20084182 3047879 17036303 0 0 0 0 7.00% 1192541 18228844 3047879 100% 0 0% 0
0 2044 71 18228844 0 0 0 18228844 3341609 14887236 0 0 0 0 7.00% 1042106 15929342 3341609 100% 0 0% 0
0 2045 72 15929342 0 0 0 15929342 5108312 10821030 0 0 0 0 7.00% 757472 11578502 5108312 100% 0 0% 0
0 2046 73 11578502 0 0 0 11578502 3996981 7581522 0 0 0 0 7.00% 530707 8112228 3996981 100% 0 0% 0
0 2047 74 8112228 0 0 0 8112228 4362304 3749924 0 0 0 0 7.00% 262495 4012418 4362304 100% 0 0% 0
0 2048 75 4012418 0 0 0 4012418 4755438 -743020 0 0 0 743020 7.00% 0 0 4012418 84% 743020 16% 0
0 2049 76 0 0 0 0 0 5178639 -5178639 0 0 0 5178639 7.00% 0 0 0 0% 5178639 100% 0
try
0 2050 77 0 0 0 0 0 12230728 -12230728 0 0 0 12230728 7.00% 0 0 0 0% 12230728 100% 0
h n
0 2051 78 0 0 0 0 0 6125262 -6125262 0 0 0 6125262 7.00% 0 0 0 0% 6125262 100% 0
tis Pla
is
0 2052 79 0 0 0 0 0 6654243 -6654243 0 0 0 6654243 7.00% 0 0 0 0% 6654243 100% 0
0 2053 80 0 0 0 0 0 7224450 -7224450 0 0 0 7224450 7.00% 0 0 0 0% 7224450 100% 0
M
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0
Sa ple
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 0 0 0 0 0.00% 0 0 0 0% 0 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
By m
Sa
Financial Goalwise - Gross Investment Need & Investment Need for Goal Shortfall
Today onwards - For Short Term Need - Next 3 Years -Investment For Long Term Need -8 to 22 Years - Investment required @12% & 23 years
available years For Medium Term Need -4 to 7 Years - Investment required @9%
for Regular
required @ 8% onwards - Post Retirement @7%
Present Cost of
Investment
Selected Financial Goal Goal OR Target
&
For Full Goal Amount For Shortfall For Full Goal Amount For Shortfall For Full Goal Amount For Shortfall
Goal Amount Funds Required Required Required Required Required Required Required Required Required Required
requirement for
Required Goal Required Required Goal Required Required Goal Required
Lumpsum Lumpsum Lumpsum Monthly Lumpsum Monthly Lumpsum Regular Lumpsum Regular
No. of Years Amount Rs. Amount Rs. Amount Rs. Amount Rs. Amount Rs. Amount Rs.
Investment Investment Investment Investment Investment Investment Investment Investment Investment Investment
Monthly Monthly
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Secondary & Higher Sec. Education 100000 4 / 4 0 0 0 0 679489 420627 8990 0 0 0 0 0 0 0 0 0
Planning
Graduation & Higher Education 100000 8 / 3 0 0 0 0 0 0 0 0 0 0 709528 255117 3397 0 0 0
For-Kevin Post Graduation & Master Degree 500000 11 / 3 0 0 0 0 0 0 0 0 0 0 4721908 1208465 12493 0 0 0
For start in life 1500000 17 / 1 0 0 0 0 0 0 0 0 0 0 3438027 500729 3657 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 0
Planning Secondary & Higher Sec. Education 100000 9 / 4 0 0 0 0 0 0 0 0 0 0 739082 224804 2724 0 0 0
For- Graduation & Higher Education 100000 13 / 3 0 0 0 0 0 0 0 0 0 0 1142702 233138 2113 0 0 0
Sandhya Post Graduation & Master Degree 500000 16 / 3 0 0 0 0 0 0 0 0 0 0 7604680 1104352 8476 2749963 357604 2490
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
New Residential House 3500000 8 / 1 0 0 0 0 0 0 0 0 0 0 5578468 2253050 30002 0 0 0
Motor Car 800000 3 / 1 952813 756374 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Future Bike for Kevin 70000 6 / 1 0 0 0 0 99296 59207 848 0 0 0 0 0 0 0 0 0
Need Scooty for Sandhya 55000 9 / 1 0 0 0 0 0 0 0 0 0 0 92921 33508 406 0 0 0

2 Computer System 80000 5 / 1 0 0 0 0 102103 66360 1138 0 0 0 0 0 0 0 0 0
Home Appliances / Furniture 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
Funds to be required to provide

regular expenses from Retirement 7224450 21 / 1 0 0 0 0 0 0 0 0 0 0 71115515 2716122 25362 31559973 824703 7701
year onwards.
Retirement
Medical Expenses 500000 21 / 1 0 0 0 0 0 0 0 0 0 0 1699782 140474 1312 0 0 0
Corpus &
Provision Tour - Yatra 1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 2785963 230239 2150 0 0 0
Donation / Gift 1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 2785963 230239 2150 0 0 0
Reserve Balance 1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 3399564 280948 2623 0 0 0
try
h n
0 0 0 0 0 0 0 0 0 0 81786786 3598023 33596 31559973 824703 7701
tis Pla
Farm House & Land 3000000 18 / 1 0 0 0 0 0 0 0 0 0 0 8563017 1113531 7755 8563017 1113531 7755
is
Create Wealth for Family 5000000 21 / 1 0 0 0 0 0 0 0 0 0 0 5000000 139969 818 5000000 139969 818
M
Future 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
Dreams Domestic Long Tour 40000 18 / Every 3 Year 0 0 0 0 0 0 0 0 0 0 859051 57117 398 96265 12518 87
Foreign Tour 250000 21 / Every 5 Year 0 0 0 0 0 0 0 0 0 0 4595080 207075 1210 1596369 44689 261
By m
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
Sa
Financial Goal Particulars Possible Goal

Achievement
%wise
Shortfall in
Goal %wise Financial Goal Gap Analysis
0% 0%
Fund for - Pre-Primary & Primary Education 100% 0% 4000000 100%
Fund for - Secondary & Higher Sec. Education 100% 0% 80%
3000000
Planning 60%
Fund for - Graduation & Higher Education 100% 0%
For-Kevin 2000000
40%
Fund for - Post Graduation & Master Degree 100% 0%
1000000 20%
Fund for - For start in life 100% 0%
0 0%
Fund for - Marriage Expenses
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
100% 0%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
100% 0%
0% 0%
Fund for -- Pre-Primary & Primary Education 100% 0% 4000000 100%
Planning Fund for -- Secondary & Higher Sec. Education 100% 0% 80%
3000000
For- Fund for -- Graduation & Higher Education 100% 0% 60%
2000000
Sandhya Fund for -- Post Graduation & Master Degree 64% 36% 40%
1000000
Fund for -- Marriage Expenses 100% 0% 20%
0 0%
0% 0%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
76% 24%
Need - Fund for - New Residential House 100% 0% Funds to be available Shortfall in Funds Funds to be required Funds to be available Shortfall in Funds
Future Financial
Need - Fund for - Motor Car 100% 0% 6000000 100%

80%
Future Need - Fund for - Bike for Kevin 100% 0% 4000000 60%
Goal
Need Need - Fund for - Scooty for Sandhya 100% 0% 2000000

40%
20%
Need - Fund for - 2 Computer System 100% 0%
0 0%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Need - Fund for - Home Appliances / Furniture 100% 0%
100% 0%

56% 44% Funds to be available Shortfall in Funds Funds to be required Funds to be available Shortfall in Funds
100%
Retirement
Retirement Retirement Need Provision - Medical Expenses 100% 0% 15000000

Planning
Corpus & Retirement Need Provision - Tour - Yatra 10000000

100% 0% 50%
Provision 5000000
Retirement Need Provision - Donation / Gift 100% 0%
0
0%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Retirement Need Provision - Reserve Balance 100% 0%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
61% 39%
try
Dream - Fund for - Farm House & Land 0% 100%
Future Financial
h n
10000000 100%
Dream - Fund for - Create Wealth for Family
tis Pla
0% 100%
is
Future 5000000
Goal
0% 0% 50%
Dreams 0
M
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Dream - Fund for - Domestic Long Tour 89% 11%
-5000000
Sa ple
0%
Dream - Fund for - Foreign Tour 65% 35%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
20% 80%
By m
Aggregate : 62% 38%
Sa
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
0
10000000
12000000
14000000
2000000
4000000
6000000
8000000
2013 2013 108000
2014 2014 116680
2015 2015 602507
2016 2016 209534
2017 2017 330065
2018 2018 347378
2019 2019 270053
2020 2020 3083285
2021 2021 497664
2022 2022 438459
2023 2023 1616388
2024 2024 1770434
2025 2025 2071363
2026 2026 379750
2027 2027 417725
2028 2028 2297486
2029 2029 4666249
2030 2030 11439241
2031 2031 544608
2032 2032 801784
2033 2033 111439
2034 2034 11836649
2035 2035 2088553
2036 2036 1616163
2037 2037 1665701
2038 2038 1857225
2039 2039 2212078
2040
Yearwise Amountwise Goal Gap Analysis
2040 3263365
Yearwise %wise Goal Gap Analysis
2041 2041 2520184
2042 2042 2947449

Contact : Satish Mistry, Email: moneycarefp@gmail.com
2043 2043 3047879
2044 2044 3341609
2045 2045 5108312
2046 2046 3996981
2047 2047 4362304
2048 2048 4755438
2049 2049 5178639
2050 2050 12230728
2051 2051 6125262
2052 2052 6654243
2053 2053 7224450
Sa
Shortfall in Funds
By m
Shortfall in Funds
Funds to be required
Sa ple
125
30/09/2012
tis Pla
h n
M
is
try
(Proposed) -Today - onwards - Cash - Inflow & Outflow with Investment Cash Flow & Annexures
Age : Main Income Other Income Regular Expenses - Outflow
Interest on
Self Loan /
Sangita Employed / Spouse Agriculture House Rent Other Other Other Principal - Personal Housing Food Living Health Entertainme Total
Sr. No. Year Amar Patel
Patel Personal Income Income etc. Income Income Income Income from Expenses Expenses Expenses Expenses Expenses nt Expenses Expenses
Income Friends/
Relatives
0 2012 39 36 206886 60000 50000 0 0 0 0 3750 20520 27552 34467 34380 17467 19233 153619
1 2013 40 37 623026 197773 165000 0 0 0 0 15000 65254 87615 111672 110360 57640 63470 496011
2 2014 41 38 622490 215513 181500 0 0 0 0 15000 69169 92872 120606 118085 63404 69817 533953
3 2015 42 39 623562 235038 199650 0 0 0 0 15000 73319 98445 130254 126351 69744 76799 574912
4 2016 43 40 623489 256297 219615 0 0 0 0 15000 77718 104351 140675 135196 76719 84479 619137
5 2017 44 41 625755 280818 241577 0 0 0 0 15000 82381 110612 151929 144659 84391 92926 666898
6 2018 45 42 625405 307324 265734 0 0 0 0 15000 87324 117249 164083 154785 92830 102219 718490
7 2019 46 43 625405 335927 292308 0 0 0 0 15000 92563 124284 177209 165620 102113 112441 774231
8 2020 47 44 625405 366925 321538 0 0 0 0 115000 98117 131741 191386 177214 112324 123685 834467
9 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 969965
11 2023 50 47 663598 512160 427968 0 0 0 0 0 116859 156906 241091 217094 149503 164625 1046079
12 2024 51 48 663598 558232 470764 0 0 0 0 0 123871 166320 260379 232291 164454 181087 1128402
13 2025 52 49 663598 608905 517841 0 0 0 0 0 131303 176299 281209 248551 180899 199196 1217458
14 2026 53 50 663598 664649 569625 0 0 0 0 0 139181 186877 303706 265950 198989 219116 1313819
15 2027 54 51 663598 725959 626587 0 0 0 0 0 147532 198090 328002 284567 218888 241027 1418106
16 2028 55 52 663598 793404 689246 0 0 0 0 0 156384 209975 354242 304486 240777 265130 1530995
17 2029 56 53 663598 867595 758171 0 0 0 0 0 165767 222574 382582 325800 264854 291643 1653220
18 2030 57 54 663598 949120 833988 0 0 0 0 0 175713 235928 413188 348606 291340 320807 1785583
19 2031 58 55 663598 1028589 917386 0 0 0 0 0 186256 250084 446243 373009 320474 352888 1928954
20 2032 59 56 663598 1115994 1009125 0 0 0 0 0 197431 265089 481943 399119 352521 388177 2084280
21 2033 60 57 663598 1212143 1110037 0 0 0 0 0 209277 280994 520498 427058 387773 426994 2252595
22 2034 61 58 0 1317908 0 0 0 0 0 0 0 0 0 0 0 0 0
23 2035 62 59 0 1434254 0 0 0 0 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 1562224 0 0 0 0 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
try
h n
33 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
is
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
M
36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
38 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
By m
40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa
Investment For Retirement

Age : Regular Investment Outflow Total
Self / Employer Contribution
Needs
Traditional Unit Linked Total Investment
Post Office Traditional Unit Linked Mutual Fund Total Regular Mutual Fund Commitment EPF EPF
Amar Sangita Life Life Investment
Sr. No. Year Reccuring Pension Pension SIP Investment Investment SIP (Outflow) Contribution Contribution
Patel Patel Insurance Insurance for
Deposit Plan Plan Investment Outflow in PPF Investment (Self) (Spouse)
Plan Plan Retirement
0 2012 39 36 3500 2553 0 0 10000 50000 66053 6000 20000 26000 92053 25920 0
1 2013 40 37 6000 9301 6450 0 10000 162000 193751 24000 67200 91200 284951 77760 0
2 2014 41 38 6000 9301 6450 0 10000 174000 205751 24000 74400 98400 304151 77760 0
3 2015 42 39 6000 9301 6450 0 10000 186000 217751 24000 81600 105600 323351 77760 0
4 2016 43 40 3000 9301 6450 0 10000 198000 226751 22000 88800 110800 337551 77760 0
5 2017 44 41 0 9301 6450 0 10000 210000 235751 12000 96000 108000 343751 77760 0
6 2018 45 42 0 9301 6450 0 10000 222000 247751 12000 103200 115200 362951 77760 0
7 2019 46 43 0 9301 6450 0 10000 234000 259751 12000 110400 122400 382151 77760 0
8 2020 47 44 0 4195 6450 0 10000 246000 266645 11000 117600 128600 395245 77760 0
9 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 0
11 2023 50 47 0 2077 6450 0 0 282000 290527 0 139200 139200 429727 77760 0
12 2024 51 48 0 2077 6450 0 0 294000 302527 0 146400 146400 448927 77760 0
13 2025 52 49 0 2077 0 0 0 306000 308077 0 153600 153600 461677 77760 0
14 2026 53 50 0 2077 0 0 0 318000 320077 0 160800 160800 480877 77760 0
15 2027 54 51 0 0 0 0 0 330000 330000 0 168000 168000 498000 77760 0
16 2028 55 52 0 0 0 0 0 342000 342000 0 175200 175200 517200 77760 0
17 2029 56 53 0 0 0 0 0 354000 354000 0 182400 182400 536400 77760 0
18 2030 57 54 0 0 0 0 0 366000 366000 0 189600 189600 555600 77760 0
19 2031 58 55 0 0 0 0 0 378000 378000 0 196800 196800 574800 77760 0
20 2032 59 56 0 0 0 0 0 390000 390000 0 204000 204000 594000 77760 0
21 2033 60 57 0 0 0 0 0 402000 402000 0 211200 211200 613200 77760 0
22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0
23 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0
33 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0
try
36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0
h n
37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
is
38 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0
39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0
M
40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
0 0
By m
Sa
Fixed Assets Fixed Assets

- For - For
Assets - Purpose of use Others Loan Others Loan
Personal Personal
use only use only
Immovable Movable Liabilities of Liabilities of

Property Types Total Loan
Properties Properties Payment Payment
Payment
Liabilites
Loan from
Residential
Two Loan from Friends-1-
Loan on Assets Building /
Wheelers Friends-1 Interest
Flat
Payment
Amar Sangita
Sr. No. Year
Patel Patel
0 2012 39 36 9000 6000 0 4500 0 0 0 0 0 0 0 0 0 0 19500
1 2013 40 37 36000 18000 0 18000 0 0 0 0 0 0 0 0 0 0 72000
2 2014 41 38 36000 0 0 18000 0 0 0 0 0 0 0 0 0 0 54000
3 2015 42 39 36000 0 100000 18000 0 0 0 0 0 0 0 0 0 0 154000
4 2016 43 40 36000 0 0 0 0 0 0 0 0 0 0 0 0 0 36000
5 2017 44 41 36000 0 0 0 0 0 0 0 0 0 0 0 0 0 36000
6 2018 45 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
7 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
8 2020 47 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
9 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 0
11 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
12 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
13 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
14 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
15 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
16 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
17 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
18 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
19 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
20 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
21 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
23 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
try
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
h n
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
2043 70 67
is
31 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
M
33 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
By m
Sa
Investment through SIP - For

Investment through SIP - For Need other than Retirement
Retirement Need Only
HDFC MID- HDFC Equity
ICICI Birla Sun
CAP Fund -
Prudential Life MIP II -
Amar Sangita OPPORTUNI Growth
Sr. No. Year 0 0 0 0 0 0 0 0 Tax Plan- Wealth 25 0 0 0
Patel Patel TIES FUND - Option
Growth Plan-Plan B
Growth
Option (Growth)
Option
0 2012 39 36 22000 28000 0 0 0 0 0 0 0 0 12000 8000 0 0 0
1 2013 40 37 72000 90000 0 0 0 0 0 0 0 0 42000 25200 0 0 0
2 2014 41 38 78000 96000 0 0 0 0 0 0 0 0 48000 26400 0 0 0
3 2015 42 39 84000 102000 0 0 0 0 0 0 0 0 54000 27600 0 0 0
4 2016 43 40 90000 108000 0 0 0 0 0 0 0 0 60000 28800 0 0 0
5 2017 44 41 96000 114000 0 0 0 0 0 0 0 0 66000 30000 0 0 0
6 2018 45 42 102000 120000 0 0 0 0 0 0 0 0 72000 31200 0 0 0
7 2019 46 43 108000 126000 0 0 0 0 0 0 0 0 78000 32400 0 0 0
8 2020 47 44 114000 132000 0 0 0 0 0 0 0 0 84000 33600 0 0 0
9 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 0
11 2023 50 47 132000 150000 0 0 0 0 0 0 0 0 102000 37200 0 0 0
12 2024 51 48 138000 156000 0 0 0 0 0 0 0 0 108000 38400 0 0 0
13 2025 52 49 144000 162000 0 0 0 0 0 0 0 0 114000 39600 0 0 0
14 2026 53 50 150000 168000 0 0 0 0 0 0 0 0 120000 40800 0 0 0
15 2027 54 51 156000 174000 0 0 0 0 0 0 0 0 126000 42000 0 0 0
16 2028 55 52 162000 180000 0 0 0 0 0 0 0 0 132000 43200 0 0 0
17 2029 56 53 168000 186000 0 0 0 0 0 0 0 0 138000 44400 0 0 0
18 2030 57 54 174000 192000 0 0 0 0 0 0 0 0 144000 45600 0 0 0
19 2031 58 55 180000 198000 0 0 0 0 0 0 0 0 150000 46800 0 0 0
20 2032 59 56 186000 204000 0 0 0 0 0 0 0 0 156000 48000 0 0 0
21 2033 60 57 192000 210000 0 0 0 0 0 0 0 0 162000 49200 0 0 0
22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
23 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
33 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
try
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
h n
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
is
36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
M
38 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
By m
Sa

Income from Investment
Total inflow Investments Account Total Inflow
Retirement
through Total Total inflow throgh
Total Income Benefit /
Investment & Maturity Benefit

Age : Regular Interest / Total Income Amount of through Maturity
/ Maturity Investment
Income from Mutual Fund Sys. / Maturity Maturity Maturity Proceeds &
Proceeds Maturity
Debt Regular Withdrawal Proceeds Proceeds proceeds of Investment
Amount proceeds of
Investment Withdrawal from Amount from Postal Investment Retirement Income,
Sangita Investment from Account Retirement
Sr. No. Year Amar Patel (Other than (SWP) from Unit Schemes / Account
Patel Account Traditional Fund Etc.
MF) Linked Plan Bonds - NCD
Summary -Income from Plan
/ FDR
0 2012 39 36 23205 0 23205 0 0 73862 73862 0 97067
1 2013 40 37 72910 0 72910 18750 0 0 18750 0 91660
2 2014 41 38 59160 0 59160 0 0 260000 260000 0 319160
3 2015 42 39 48410 0 48410 0 77597 50000 127597 0 176007
4 2016 43 40 38058 0 38058 0 0 674955 674955 0 713013
5 2017 44 41 1708 0 1708 0 0 48031 48031 0 49739
6 2018 45 42 0 0 0 18750 0 0 18750 0 18750
7 2019 46 43 0 0 0 0 0 0 0 0 0
8 2020 47 44 0 0 0 213667 0 0 213667 0 213667
Cash Flow
9 2021 48 45 0 0 0 0 227187 117171 344357 0 344357
10 2022 49 46 0 0 0 108500 0 0 108500 0 108500
11 2023 50 47 0 0 0 0 0 0 0 0 0
12 2024 51 48 0 0 0 0 0 0 0 0 0
13 2025 52 49 0 0 0 243125 0 0 243125 0 243125
14 2026 53 50 0 0 0 0 0 0 0 0 0
15 2027 54 51 0 0 0 108500 0 0 108500 0 108500
16 2028 55 52 0 0 0 0 0 0 0 0 0
17 2029 56 53 0 0 0 0 0 0 0 0 0
18 2030 57 54 0 0 0 0 0 0 0 0 0
19 2031 58 55 0 0 0 0 0 0 0 0 0
20 2032 59 56 0 0 0 0 0 0 0 0 0
21 2033 60 57 0 0 0 0 0 0 0 0 0
22 2034 61 58 0 0 0 0 0 0 0 15916649 15916649
23 2035 62 59 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0
31 2043 70 67 0 0 0 0 0 0 0 0 0
32 2044 71 68 0 0 0 0 0 0 0 0 0
try
33 2045 72 69 0 0 0 0 0 0 0 0 0
h n
34 2046 73 70 0 0 0 0 0 0 0 0 0
tis Pla
is
35 2047 74 71 0 0 0 0 0 0 0 0 0
M
36 2048 75 72 0 0 0 0 0 0 0 0 0
37 2049 76 73 0 0 0 0 0 0 0 0 0
Sa ple
38 2050 77 74 0 0 0 0 0 0 0 0 0
39 2051 78 75 0 0 0 0 0 0 0 0 0
By m
40 2052 79 76 0 0 0 0 0 0 0 0 0
Sa
Regular Income / Maturity Proceeds - Traditional Pension Plan Unit Linked Life Insurance / Pension Plan
Age :
Traditional Life Insurance Plan Maturity Total Income Maturity Proceeds Total Amount
Total Income
/ Maturity of Maturity
Regular / Maturity
Single Prem.- Regular Proceeds Proceeds from
Prem.- Reg. Single Single Prem.- Amount Proceeds
Traditional Prem.- Postal
Traditional Premium Premium Traditional Ulip-Regular ULPP- Amount
Sangita Life Traditional from Ulip-Single ULPP-Single from Unit Schemes /
Sr. No. Year Amar Patel Life Policy - Policy - Pension Traditional Premium - Regular Bonds - NCD /
Patel Insurance Pension Premium Premium Linked Plan
Insurance Survival Survival Plan - Plan Maturity Premium FDR
Plan - Plan -
Plan - Benefit Benefit Maturity
Maturity Maturity
Maturity
0 2012 39 36 0 0 0 0 0 0 0 0 0 0 0 0 73862
1 2013 40 37 0 0 18750 0 0 0 18750 0 0 0 0 0 0
2 2014 41 38 0 0 0 0 0 0 0 0 0 0 0 0 260000
3 2015 42 39 0 0 0 0 0 0 0 0 0 0 77597 77597 50000
4 2016 43 40 0 0 0 0 0 0 0 0 0 0 0 0 674955
5 2017 44 41 0 0 0 0 0 0 0 0 0 0 0 0 48031
6 2018 45 42 0 0 18750 0 0 0 18750 0 0 0 0 0 0
7 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 0
8 2020 47 44 213667 0 0 0 0 0 213667 0 0 0 0 0 0
9 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 0
11 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0
12 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0
13 2025 52 49 0 243125 0 0 0 0 243125 0 0 0 0 0 0
14 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0
15 2027 54 51 108500 0 0 0 0 0 108500 0 0 0 0 0 0
16 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0
17 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 0
18 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 0
19 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0
20 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0
21 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 0
22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0
23 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0
try
33 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0
h n
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
is
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0
M
36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0
37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa ple
38 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0
39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0
By m
40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0
Sa
Age : Regular Income from Investment Maturity Proceeds of Investments - Post Office Schemes / Bonds / NCD / Company FDR / Bank FDR
Post Office Senior Income - Senior Income - Growth -
Income - Post Office Post Office Income - Postal - National Growth -
Sangita Monthly Citizen Govt. / Pvt. Citizen Govt. / Pvt. Kisan Vikas Govt. / Pvt.
Sr. No. Year Amar Patel Company Reccuring Monthly Company Time Savings Company Bank_FDR
Patel Income Savings Co. -Bond / Savings Co. -Bond / Patra Co. -Bond /
FDs Deposit Scheme FDs Deposit Certificate FDs
Scheme Scheme NCD Scheme NCD NCD
0 2012 39 36 7125 3375 7300 5405 73862 0 0 0 0 0 0 0 0 0 0
1 2013 40 37 28500 13500 20100 10810 0 0 0 0 0 0 0 0 0 0 0
2 2014 41 38 28500 13500 6350 10810 0 110000 0 150000 0 0 0 0 0 0 0
3 2015 42 39 20500 13500 3600 10810 0 0 50000 0 0 0 0 0 0 0 0
4 2016 43 40 20500 6750 2700 8108 36931 250000 100000 40000 100000 0 0 0 0 0 148024
5 2017 44 41 1708 0 0 0 0 0 0 0 0 0 48031 0 0 0 0
6 2018 45 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
7 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
8 2020 47 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
9 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 0
11 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
12 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
13 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
14 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
15 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
16 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
17 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
18 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
19 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
20 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
21 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
23 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
33 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
try
37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
h n
38 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
tis Pla
is
39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
M
Sa ple
By m
Sa
Age : Maturity Proceeds of Retirement Fund - (Self) Maturity Proceeds of Retirement Fund - (Spouse) PPF Maturity Total Fund
Total Mutual Fund
Total ( Re - Available at
Retirement SIP ( Value
Sangita Retirement invested if Retirement
Sr. No. Year Amar Patel EPF EPS Gratuity Any Others Benefit (Self) EPF EPS Gratuity Any Others Benefit at
Patel mature (From Regular
(Spouse) Retirement)
earlier) Investments)
0 2012 39 36 0 0 0 0 0 0 0 0 0 0 0
1 2013 40 37 0 0 0 0 0 0 0 0 0 0 0
2 2014 41 38 0 0 0 0 0 0 0 0 0 0 0
3 2015 42 39 0 0 0 0 0 0 0 0 0 0 0
4 2016 43 40 0 0 0 0 0 0 0 0 0 0 0
5 2017 44 41 0 0 0 0 0 0 0 0 0 0 0
6 2018 45 42 0 0 0 0 0 0 0 0 0 0 0
7 2019 46 43 0 0 0 0 0 0 0 0 0 0 0
8 2020 47 44 0 0 0 0 0 0 0 0 0 0 0
9 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 0
11 2023 50 47 0 0 0 0 0 0 0 0 0 0 0
12 2024 51 48 0 0 0 0 0 0 0 0 0 0 0
13 2025 52 49 0 0 0 0 0 0 0 0 0 0 0
14 2026 53 50 0 0 0 0 0 0 0 0 0 0 0
15 2027 54 51 0 0 0 0 0 0 0 0 0 0 0
16 2028 55 52 0 0 0 0 0 0 0 0 0 0 0
17 2029 56 53 0 0 0 0 0 0 0 0 0 0 0
18 2030 57 54 0 0 0 0 0 0 0 0 0 0 0
19 2031 58 55 0 0 0 0 0 0 0 0 0 0 0
20 2032 59 56 0 0 0 0 0 0 0 0 0 0 0
21 2033 60 57 0 0 0 0 0 0 0 0 0 0 0
22 2034 61 58 6074375 233611 904327 7212313 0 0 0 0 1139315 7565021 15916649
23 2035 62 59 0 0 0 0 0 0 0 0 0 0 0
24 2036 63 60 0 0 0 0 0 0 0 0 0 0 0
25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0
26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0
27 2039 66 63 0 0 0 0 0 0 0 0 0 0 0
28 2040 67 64 0 0 0 0 0 0 0 0 0 0 0
29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0
30 2042 69 66 0 0 0 0 0 0 0 0 0 0 0
31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0
32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0
33 2045 72 69 0 0 0 0 0 0 0 0 0 0 0
34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0
try
35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0
h n
36 2048 75 72 0 0 0 0 0 0 0 0 0
tis Pla
is
37 2049 76 73 0 0 0 0 0 0 0 0 0
M
38 2050 77 74 0 0 0 0 0 0 0 0 0
39 2051 78 75 0 0 0 0 0 0 0 0 0
Sa ple
40 2052 79 76 0 0 0 0 0 0 0 0 0
By m
Sa
Existing - Mutual Fund Portfolio Analysis
Sum of Current Fund Value Sum of Current Fund Value

Asset Class Asset
Sum of Current Fund ValueClass
Rs. - %wise
Rs. Rs. - %wise Sum of Current Fund Value Rs. - %wise
Debt 11424 Debt Current MF -Asset Allocation 0.72%
Equity 1547556 Equity
97.27%
97.27% Scheme Type
Hybrid 31980 100.00% Hybrid 2.01%
Grand Total 1590960 Grand
0.72%Total 2.01% 100.00%
0.00%
Debt Equity Hybrid
Asset Class
Sum of Current Fund Value Scheme

Sum of Current Type
Fund Value
Asset Class Scheme Type
Rs. Rs. - %wise Open Ended
Scheme 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
100.00%
Sum of Current Fund Value

Asset Class
Rs.
Fund House Debt Equity Hybrid Grand Total Sum of Current Fund Value Rs. - %wise
Birla 11424 8425 31980 51829
Canara 256848 256848 AMC wise Allocation
DSP 144093 144093
HDFC 872118 872118
Sum of Current Fund Value
ICICI 221368 221368 Fund House
Rs. - %wise
Reliance 44704 44704 Birla 3.26%
Grand Total 11424 1547556 31980 1590960 Canara 16.14%
DSP 9.06%
HDFC, 54.82%
HDFC 54.82%
ICICI 13.91% ICICI, 13.91%
Reliance Other, 16.72% 2.81%
try
Grand Total 100.00%
h n
tis Pla
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M
DSP, Canara, 16.14% Reliance, 2.81%
Birla, 3.26%
9.06%
Sa ple
By m
Sa
Sum of Current Fund Value Rs. - Sum of Existing SIP /SWP
Asset Class Fund Category Fund Sub-Category Fund House Sum of Current Fund Value Rs.
%wise Amount Rs.
Debt Debt -Liquid Liquid Birla 11424 0.72% 0
Liquid Total 11424 0.72% 0
Debt -Liquid Total 11424 0.72% 0
Debt Sum 11424 0.72% 0
Equity Equity Diversified Large & Mid Cap Canara 256848 16.14% 0
Large & Mid Cap Total 256848 16.14% 0
Mid & Small Cap HDFC 239531 15.06% 5000
Mid & Small Cap Total 239531 15.06% 5000
Multi Cap HDFC 134284 8.44% 7000
Multi Cap Total 134284 8.44% 7000
Tax Planning Birla 8425 0.53% 0
DSP 28733 1.81% 0
HDFC 498302 31.32% 0
ICICI 221368 13.91% 3000
Tax Planning Total 756828 47.57% 3000
Equity Diversified Total 1387492 87.21% 15000
Equity Sectoral Banking Reliance 31310 1.97% 0
Banking Total 31310 1.97% 0
Pharma Reliance 13394 0.84% 0
Pharma Total 13394 0.84% 0
Equity Sectoral Total 44704 2.81% 0
Equity -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% 15000

Hybrid Balanced Equity-oriented Birla 14804 0.93% 0
Equity-oriented Total 14804 0.93% 0
Balanced Total 14804 0.93% 0
Debt Oriented -MIP & Asset
Debt-oriented Aggressive Birla 17176 1.08% 0
Allo.
Debt-oriented Aggressive Total 17176 1.08% 0
17176 1.08% 0
Allo. Total
Hybrid Sum 31980 2.01% 0
Grand Total 1590960 100.00% 15000
try
h n
tis Pla
is
M
Sa ple
By m
Sa
Sum of Current Fund Value Rs. - Sum of Existing SIP /SWP
Asset Class Fund Category Fund Sub-Category Scheme Name Expense Ratio Assets Sum of Current Fund Value Rs.
%wise Amount Rs.
Birla Sun Life Cash Plus-
Debt Debt -Liquid Liquid 0.26 12341.67 11424 0.72% 0
Retail (Growth)
Debt Sum 11424 0.72% 0
Canara Robeco Equity
Equity Equity Diversified Large & Mid Cap 2.25 622.06 256848 16.14% 0
Diversified-Growth Option
Large & Mid Cap Total 256848 16.14% 0
HDFC MID-CAP
Mid & Small Cap OPPORTUNITIES FUND - 1.91 2021.09 239531 15.06% 5000
Growth Option
HDFC Equity Fund - Growth
Multi Cap 1.78 9718.17 134284 8.44% 7000
Option
Multi Cap Total 134284 8.44% 7000
Birla Sun Life Relief 96 -
Tax Planning 1.97 1349.42 8425 0.53% 0
Growth Option
DSP BlackRock Tax Saver
2.17 715.53 28733 1.81% 0
Fund - Growth
HDFC TaxSaver-Dividend
1.85 3149.79 474137 29.80% 0
Plan
HDFC TaxSaver-Growth Plan 1.85 3149.79 24166 1.52% 0
ICICI Prudential Tax Plan-
1.98 1295.14 221368 13.91% 3000
Growth Option
Reliance Banking Fund-
Equity Sectoral Banking 1.93 1671.49 31310 1.97% 0
Growth Plan-Growth Option
Banking Total 31310 1.97% 0
Reliance Pharma Fund-
Pharma 2.22 584.07 13394 0.84% 0
Growth Plan-Growth
Pharma Total 13394 0.84% 0
Equity Sectoral Total 44704 2.81% 0
DSP BlackRock India
Equity -Thematic & Others Infrastructure 1.95 1512.55 115360 7.25% 0
T.I.G.E.R. Fund - Regular Plan
Infrastructure Total 115360 7.25% 0
Equity -Thematic & Others Total 115360 7.25% 0
Equity Sum 1547556 97.27% 15000

Birla Sun Life 95 Fund-Plan
Hybrid Balanced Equity-oriented 2.24 519.08 14804 0.93% 0
B(Growth)
Debt Oriented -MIP & Asset Birla Sun Life MIP II - Wealth
Debt-oriented Aggressive 2.1 213.1 17176 1.08% 0
try
Allo. 25 Plan-Plan B (Growth)
h n
Debt-oriented Aggressive Total 17176 1.08% 0
tis Pla
is
17176 1.08% 0
M
Allo. Total
Hybrid Sum 31980 2.01% 0
Sa ple
Grand Total 1590960 100.00% 15000
By m
Sa
Existing - Mutual Fund Portfolio Analysis : : Scheme Performance Ranking

Sum of
Current
Expense 1 Year
Asset Class Fund Category Fund Sub-Category Scheme Name Assets 1 Week 15 Day 1 Month 3 Month 6 Month 1 Year 3 Year 5 Year 7 Year 10 Year Fund
Ratio Return
Value Rs. -
%wise
Birla Sun Life Cash Plus-Retail
Debt Debt -Liquid Liquid 0.26 12341.67 -- -- --- --- --- --- --- --- --- --- 9.17 0.72%
(Growth)
Liquid Total 0.72%
Debt -Liquid Total 0.72%
Debt Sum 0.72%
Equity Equity Diversified Large & Mid Cap 2.25 622.06 2 1 2 1 1 1 1 1 1 --- 0.72 16.14%
Large & Mid Cap Total 16.14%
HDFC MID-CAP
Mid & Small Cap OPPORTUNITIES FUND - 1.91 2021.09 1 1 1 3 1 1 1 1 --- --- -1.2 15.06%
Growth Option
Mid & Small Cap Total 15.06%
Multi Cap 1.78 9718.17 3 2 2 3 2 3 1 1 1 1 -7.63 8.44%
Option
Multi Cap Total 8.44%
Birla Sun Life Relief 96 - Growth
Tax Planning 1.97 1349.42 3 3 3 3 2 4 3 3 3 3 -9.47 0.53%
Option
DSP BlackRock Tax Saver Fund
2.17 715.53 1 1 2 2 1 2 2 2 --- --- -4.7 1.81%
- Growth
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%
1.98 1295.14 1 1 2 1 2 2 1 1 3 1 -3.77 13.91%
Growth Option
Tax Planning Total 47.57%
Equity Diversified Total 87.21%
Reliance Banking Fund-Growth
Equity Sectoral Banking 1.93 1671.49 4 1 1 1 1 3 1 1 1 --- -6.73 1.97%
Plan-Growth Option
Banking Total 1.97%
Reliance Pharma Fund-Growth
Pharma 2.22 584.07 1 1 1 1 1 1 1 1 1 --- 2.2 0.84%
Plan-Growth
Pharma Total 0.84%
Equity Sectoral Total 2.81%
DSP BlackRock India T.I.G.E.R.
Equity -Thematic & Others Infrastructure 1.95 1512.55 4 4 1 3 3 4 4 4 2 --- -9.78 7.25%
Fund - Regular Plan - Growth
Infrastructure Total 7.25%
try
h n
Equity -Thematic & Others Total 7.25%
tis Pla
is
Equity Sum 97.27%
Birla Sun Life 95 Fund-Plan
M
Hybrid Balanced Equity-oriented 2.24 519.08 -- -- --- --- --- --- --- --- --- --- -1.79 0.93%
B(Growth)
Sa ple
Equity-oriented Total 0.93%
Balanced Total 0.93%
By m
Debt Oriented -MIP & Asset Birla Sun Life MIP II - Wealth 25
Debt-oriented Aggressive 2.1 213.1 -- -- --- --- --- --- --- --- --- --- 4.38 1.08%
Allo. Plan-Plan B (Growth)
Sa
Debt-oriented Aggressive Total 1.08%
Existing - Mutual Fund Portfolio Analysis : : Scheme Performance Ranking

Sum of
Current
Expense 1 Year
Ratio Return
Value Rs. -
%wise
Hybrid 1.08%
Allo. Total
Hybrid Sum 2.01%
Grand Total 100.00%
try
h n
tis Pla
is
M
Sa ple
By m
Sa
Proposed - Mutual Fund Portfolio Analysis
Sum of Proposed Fund Sum of Proposed Fund

Asset Class Sum of Proposed Fund ValueClass
Asset Rs. - %wise
Value Rs. Value Rs. - %wise Sum of Proposed Fund Value Rs. - %wise
Debt 162539 Debt
Current MF -Asset Allocation 8.83%
Equity 1330000 Equity 72.24% Scheme Type
100.00% 72.24%
Hybrid 348573 Hybrid 18.93%
8.83% Total 18.93%
Grand Total 1841112 Grand 100.00%
0.00%
Debt Equity Hybrid
Asset Class
Scheme Type
Sum of Proposed Fund Sum of Proposed
OpenFund
Ended
Asset Class Scheme Type
Value Rs. Value Rs. - %wise
Scheme 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
100.00%
Sum of Proposed Fund

Asset Class Sum of Proposed Fund Value Rs. - %wise
Value Rs.
Fund House Debt Equity Hybrid Grand Total
Canara 210000 210000 AMC wise Allocation
DSP 190000 190000
HDFC 162539 730000 200000 1092539
ICICI 200000 200000
Sum of Proposed Fund
Reliance 0 148573 148573 Fund House
Value Rs. - %wise
Grand Total 162539 1330000 348573 1841112 Canara 11.41%
DSP 10.32%
HDFC, 59.34% ICICI, 10.86%
HDFC 59.34%
ICICI 10.86%
Reliance Other, 18.93% 8.07%
Grand Total 100.00%
try
h n
Reliance, 8.07%
tis Pla
is
Canara,
11.41%
M
DSP, 10.32%
Sa ple
By m
Sa
Sum of Proposed Fund Value Sum of Proposed Fund Value Sum of Proposed SIP OR SWP
Asset Class Fund Category Fund Sub-Category Fund House
Rs. Rs. - %wise Amt.
Debt Debt -Liquid Liquid HDFC 162539 8.83% 0
Debt Sum 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% 5500
Multi Cap HDFC 180000 9.78% 7000
Multi 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
Large Cap DSP 100000 5.43% 0
Fund
Large Cap Total 100000 5.43% 0
Equity Diversified /Index Fund
100000 5.43% 0
Total
Equity Sum 1330000 72.24% 15500
Hybrid Balanced Equity-oriented HDFC 200000 10.86% 0
Debt Oriented -MIP & Cap.
Debt-oriented Conservative Reliance 148573 8.07% 0
Prot.
Debt-oriented Conservative
148573 8.07% 0
Total
Debt Oriented -MIP & Cap. Prot.
148573 8.07% 0
Total
Hybrid Sum 348573 18.93% 0
Grand Total 1841112 100.00% 15500
try
h n
tis Pla
is
M
Sa ple
By m
Sa
Sum of Proposed Fund Value Sum of Proposed Fund Value Sum of Proposed SIP OR SWP
Asset Class Fund Category Fund Sub-Category Scheme Name Expense Ratio Assets
Rs. Rs. - %wise Amt.
Debt Debt -Liquid Liquid HDFC Liquid Fund-GROWTH 0.18 7494.78 162539 8.83% 0
Debt Sum 162539 8.83% 0
Equity Equity Diversified Large & Mid Cap 2.25 622.06 210000 11.41%
Large & Mid Cap Total 210000 11.41%
HDFC MID-CAP
Mid & Small Cap OPPORTUNITIES FUND - 1.91 2021.09 250000 13.58% 5500
Growth Option
Multi Cap 1.78 9718.17 180000 9.78% 7000
Option
Multi Cap Total 180000 9.78% 7000
Tax Planning 1.85 3149.79 300000 16.29%
Plan
1.98 1295.14 200000 10.86% 3000
Growth Option
DSP BlackRock India
Equity -Thematic & Others Infrastructure 1.95 1512.55 90000 4.89%
T.I.G.E.R. Fund - Regular Plan
Infrastructure Total 90000 4.89%
Equity -Thematic & Others Total 90000 4.89%

DSP BlackRock Top 100
Large Cap Equity Fund - Regular Plan - 1.85 3241.88 100000 5.43% 0
Fund
Growth
Large Cap Total 100000 5.43% 0
100000 5.43% 0
Total
Equity Sum 1330000 72.24% 15500
HDFC Prudence Fund -
Hybrid Balanced Equity-oriented 1.79 6040.56 200000 10.86% 0
Growth Option
Debt Oriented -MIP & Cap. Reliance Monthly Income
Debt-oriented Conservative 1.56 3617.76 148573 8.07% 0
Prot. Plan-Growth Plan
148573 8.07% 0
Total
148573 8.07% 0
Total
Hybrid Sum 348573 18.93% 0
try
Grand Total 1841112 100.00% 15500
h n
tis Pla
is
M
Sa ple
By m
Sa
Proposed - Mutual Fund Portfolio Analysis : : Scheme Performance Ranking

Sum of
Proposed
Expense 1 Year
Ratio Return
Value Rs. -
%wise
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 2.25 622.06 2 1 2 1 1 1 1 1 1 --- 0.72 11.41%
Large & Mid Cap Total 11.41%
HDFC MID-CAP
Mid & Small Cap OPPORTUNITIES FUND - 1.91 2021.09 1 1 1 3 1 1 1 1 --- --- -1.2 13.58%
Growth Option
Mid & Small Cap Total 13.58%
Multi Cap 1.78 9718.17 3 2 2 3 2 3 1 1 1 1 -7.63 9.78%
Option
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%
1.98 1295.14 1 1 2 1 2 2 1 1 3 1 -3.77 10.86%
Growth Option
Tax Planning Total 27.16%
Equity Diversified Total 61.92%
DSP BlackRock India T.I.G.E.R.
Equity -Thematic & Others Infrastructure 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%
DSP BlackRock Top 100 Equity

Equity Diversified /Index Fund Large Cap 1.85 3241.88 4 4 4 4 4 2 2 1 1 --- -4.18 5.43%
Large Cap Total 5.43%

5.43%
Total
Equity Sum 72.24%
HDFC Prudence Fund - Growth
Hybrid Balanced Equity-oriented 1.79 6040.56 -- -- --- --- --- --- --- --- --- --- -1.75 10.86%
Option
Equity-oriented Total 10.86%
Balanced Total 10.86%
Reliance Monthly Income Plan-
Debt Oriented -MIP & Cap. Prot. Debt-oriented Conservative 1.56 3617.76 -- -- --- --- --- --- --- --- --- --- 7.32 8.07%
Growth Plan
try
8.07%
h n
Total
tis Pla
is
8.07%
Total
M
Hybrid Sum 18.93%
Sa ple
Grand Total 100.00%
By m
Sa
Partywise Mutual Fund Rebalancing Report

Folio No. Scheme Name Sum of Addition OR
Sum of Current Fund Sum of Proposed Fund Sum of Current Fund Sum of Proposed Fund
Holder Name Current NAV Price Partly / Fully
Value Rs. Value Rs. Value Rs. - %wise Value Rs. - %wise
Redemption
Birla Sun Life Relief 96
Amar Patel 1 10.11 8425 0 -8425 0.53% 0.00%
- Growth Option
1 Total 8425 0 -8425 0.53% 0.00%
HDFC Equity Fund -
3 261.375 134284 180000 45716 8.44% 9.78%
Growth Option
3 Total 134284 180000 45716 8.44% 9.78%
HDFC TaxSaver-
6 49.822 451559 300000 -151559 28.38% 16.29%
Dividend Plan
6 Total 451559 300000 -151559 28.38% 16.29%
ICICI Prudential Tax
10 137.74 221368 200000 -21368 13.91% 10.86%
Plan-Growth Option
10 Total 221368 200000 -21368 13.91% 10.86%
12 59.1740 13394 0 -13394 0.84% 0.00%
Growth Plan-Growth
12 Total 13394 0 -13394 0.84% 0.00%
Birla Sun Life 95 Fund-
13 308.16 14804 0 -14804 0.93% 0.00%
Plan B(Growth)
13 Total 14804 0 -14804 0.93% 0.00%
Birla Sun Life Cash
14 289.3031 11424 0 -11424 0.72% 0.00%
Plus-Retail (Growth)
14 Total 11424 0 -11424 0.72% 0.00%
Birla Sun Life MIP II -
15 Wealth 25 Plan-Plan B 19.1483 17176 0 -17176 1.08% 0.00%
(Growth)
15 Total 17176 0 -17176 1.08% 0.00%
HDFC Liquid Fund-
(blank) 21.7518 162539 162539 8.83%
GROWTH
Reliance Monthly
try
Income Plan-Growth 23.6977 148573 148573 8.07%
h n
Plan
tis Pla
is
(blank) Total 311112 311112 16.90%
M
Amar Patel Total 872434 991112 118678 54.84% 53.83%
Sa ple
HDFC MID-CAP
Sangita Patel 2 OPPORTUNITIES 16.425 239531 250000 10469 15.06% 13.58%
By m
FUND - Growth Option
Sa
2 Total 239531 250000 10469 15.06% 13.58%
AMCwise Mutual Fund Rebalancing Report
Sum of Addition Sum of Current Sum of Proposed
Sum of Current Sum of Proposed
Fund House Asset Class Fund Category Fund Sub-Category Scheme Name OR Partly / Fully Fund Value Rs. - Fund Value Rs. -
Fund Value Rs. Fund Value Rs.
Redemption %wise %wise
Birla Debt Debt -Liquid Liquid 11424 0 -11424 0.72% 0.00%
Retail (Growth)
Debt Sum 11424 0 -11424 0.72% 0.00%
Equity Equity Diversified Tax Planning 8425 0 -8425 0.53% 0.00%
Growth Option
Equity Sum 8425 0 -8425 0.53% 0.00%
Hybrid Balanced Equity-oriented 14804 0 -14804 0.93% 0.00%
Plan B(Growth)
Debt Oriented -MIP & Debt-oriented
Wealth 25 Plan-Plan B 17176 0 -17176 1.08% 0.00%
Asset Allo. Aggressive
(Growth)
Hybrid Sum 31980 0 -31980 2.01% 0.00%
Birla Sum 51829 0 -51829 3.26% 0.00%
Canara Equity Equity Diversified Large & Mid Cap Diversified-Growth 256848 210000 -46848 16.14% 11.41%
Option
Equity Sum 256848 210000 -46848 16.14% 11.41%
Canara Sum 256848 210000 -46848 16.14% 11.41%
DSP BlackRock Tax
DSP Equity Equity Diversified Tax Planning 28733 0 -28733 1.81% 0.00%
Saver Fund - Growth
DSP BlackRock India
Equity -Thematic &
Infrastructure T.I.G.E.R. Fund - Regular 115360 90000 -25360 7.25% 4.89%
Others
Plan - Growth
Equity Diversified
Large Cap Equity Fund - Regular 100000 100000 5.43%
/Index Fund
Plan - Growth
Equity Sum 144093 190000 45907 9.06% 10.32%
DSP Sum 144093 190000 45907 9.06% 10.32%
HDFC Liquid Fund-
HDFC Debt Debt -Liquid Liquid 162539 162539 8.83%
GROWTH
Debt Sum 162539 162539 8.83%
try
h n
HDFC MID-CAP
tis Pla
Equity Equity Diversified Mid & Small Cap OPPORTUNITIES FUND - 239531 250000 10469 15.06% 13.58%
is
Growth Option
M
HDFC Equity Fund -
Multi Cap 134284 180000 45716 8.44% 9.78%
Sa ple
Growth Option
Tax Planning 474137 300000 -174137 29.80% 16.29%
By m
Plan
HDFC TaxSaver-Growth
Sa
24166 0 -24166 1.52% 0.00%
Plan
Equity Sum 872118 730000 -142118 54.82% 39.65%
AMCwise Mutual Fund Rebalancing Report
Sum of Addition Sum of Current Sum of Proposed
Sum of Current Sum of Proposed
Fund House Asset Class Fund Category Fund Sub-Category Scheme Name OR Partly / Fully Fund Value Rs. - Fund Value Rs. -
Fund Value Rs. Fund Value Rs.
Redemption %wise %wise
HDFC Hybrid Balanced Equity-oriented 200000 200000 10.86%
Growth Option
Hybrid Sum 200000 200000 10.86%
HDFC Sum 872118 1092539 220421 54.82% 59.34%
ICICI Equity Equity Diversified Tax Planning 221368 200000 -21368 13.91% 10.86%
Growth Option
Equity Sum 221368 200000 -21368 13.91% 10.86%
ICICI Sum 221368 200000 -21368 13.91% 10.86%
Reliance Equity Equity Sectoral Banking Growth Plan-Growth 31310 0 -31310 1.97% 0.00%
Option
Pharma 13394 0 -13394 0.84% 0.00%
Growth Plan-Growth
Equity Sum 44704 0 -44704 2.81% 0.00%
Debt Oriented -MIP & Debt-oriented Reliance Monthly Income

Hybrid 148573 148573 8.07%
Cap. Prot. Conservative Plan-Growth Plan
Hybrid Sum 148573 148573 8.07%

Reliance Sum 44704 148573 103869 2.81% 8.07%
Grand Total 1590960 1841112 250152 100.00% 100.00%
try
h n
tis Pla
is
M
Sa ple
By m
Sa
Asset Class & Fund Categorywise Mutual Fund Rebalancing Report

Sum of Current Fund Sum of Proposed Fund Sum of Addition OR Sum of Current Fund Sum of Proposed Fund
Asset Class Fund Category Fund Sub-Category Scheme Name
Value Rs. Value Rs. Partly / Fully Redemption Value Rs. - %wise Value Rs. - %wise
Debt Debt -Liquid Liquid 11424 0 -11424 0.72% 0.00%
Retail (Growth)
HDFC Liquid Fund-
162539 162539 8.83%
GROWTH
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 Cap Diversified-Growth 256848 210000 -46848 16.14% 11.41%
Option
Large & Mid Cap Total 256848 210000 -46848 16.14% 11.41%
HDFC MID-CAP
Mid & Small Cap OPPORTUNITIES FUND - 239531 250000 10469 15.06% 13.58%
Growth Option
Mid & Small Cap Total 239531 250000 10469 15.06% 13.58%
HDFC Equity Fund -
Multi Cap 134284 180000 45716 8.44% 9.78%
Growth Option
Multi Cap Total 134284 180000 45716 8.44% 9.78%
Tax Planning 8425 0 -8425 0.53% 0.00%
Growth Option
DSP BlackRock Tax
28733 0 -28733 1.81% 0.00%
Saver Fund - Growth
474137 300000 -174137 29.80% 16.29%
Plan
HDFC TaxSaver-Growth
24166 0 -24166 1.52% 0.00%
Plan
221368 200000 -21368 13.91% 10.86%
Growth Option
Tax Planning Total 756828 500000 -256828 47.57% 27.16%
Equity Diversified Total 1387492 1140000 -247492 87.21% 61.92%
Equity Sectoral Banking Growth Plan-Growth 31310 0 -31310 1.97% 0.00%
try
h n
Option
tis Pla
Banking Total 31310 0 -31310 1.97% 0.00%
is
M
Pharma 13394 0 -13394 0.84% 0.00%
Growth Plan-Growth
Sa ple
Pharma Total 13394 0 -13394 0.84% 0.00%
Equity Sectoral Total 44704 0 -44704 2.81% 0.00%
By m
DSP BlackRock India
Equity -Thematic &
Infrastructure T.I.G.E.R. Fund - Regular 115360 90000 -25360 7.25% 4.89%
Sa
Others
Plan - Growth
Asset Class & Fund Categorywise Mutual Fund Rebalancing Report

Sum of Current Fund Sum of Proposed Fund Sum of Addition OR Sum of Current Fund Sum of Proposed Fund
Asset Class Fund Category Fund Sub-Category Scheme Name
Value Rs. Value Rs. Partly / Fully Redemption Value Rs. - %wise Value Rs. - %wise
Equity -Thematic &
Equity Infrastructure Total 115360 90000 -25360 7.25% 4.89%
Others
Equity -Thematic &
115360 90000 -25360 7.25% 4.89%
Others Total
Equity Diversified
Large Cap Equity Fund - Regular 100000 100000 5.43%
/Index Fund
Plan - Growth
Large Cap Total 100000 100000 5.43%
100000 100000 5.43%
Fund Total
Equity Sum 1547556 1330000 -217556 97.27% 72.24%
Hybrid Balanced Equity-oriented 14804 0 -14804 0.93% 0.00%
Plan B(Growth)
200000 200000 10.86%
Growth Option
Equity-oriented Total 14804 200000 185196 0.93% 10.86%
Balanced Total 14804 200000 185196 0.93% 10.86%
Debt Oriented -MIP & Debt-oriented
Wealth 25 Plan-Plan B 17176 0 -17176 1.08% 0.00%
Asset Allo. Aggressive
(Growth)
Debt-oriented Aggressive
17176 0 -17176 1.08% 0.00%
Total
Debt Oriented -MIP &
17176 0 -17176 1.08% 0.00%
Asset Allo. Total
Debt Oriented -MIP & Debt-oriented Reliance Monthly Income

148573 148573 8.07%
Cap. Prot. Conservative Plan-Growth Plan
Debt-oriented
148573 148573 8.07%
Conservative Total
Debt Oriented -MIP &
148573 148573 8.07%
Cap. Prot. Total
Hybrid Sum 31980 348573 316593 2.01% 18.93%
Grand Total 1590960 1841112 250152 100.00% 100.00%
try
h n
tis Pla
is
M
Sa ple
By m
Sa

Sample Plan by Satish Mistry: Scope of Personal Financial Plan / Financial Objective

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Sample Plan by Satish Mistry: Scope of Personal Financial Plan / Financial Objective

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Sample Financial Plan Report in Excel 30/09/2012

Scope of Personal Financial Plan / Financial Objective ::

Fund for - Need - New Residential House High 3500000 6% 47 2020 1

Fund for - Funds to be required to provide regular expenses

Personal & Family Information

Family / Dependant Information

Present Situation, Findings & Analysis

Present : Cash Inflow -Outflow Analysis

Other Income 0 2% 19% Entertainment Expenses 62000

Other Income 0 Investment Loan Repayment 132000 Health

Present & Projected - Cash : Inflow -Outflow Analysis

Assets ( Personal & Investments )

For Personal / Family use

Immovable Properties 3000000 150183 2849817

Movable Properties 1535000 22629 1512371

Cash & Equivelant

5998235 10162805 280951 4675909 100.00%

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

Current Asset Allocation Analysis :

1800000 Post Office Scheme

Present - Life Insurance Coverage - Details & Analysis

Present - Outstanding Loan Liabilities Details :

Net Worth Statement

Less : Outstanding Loan Liabilities 379644 379644

8000000 Liabilities 379644 379644 40%Liabilities 379644 379644

Current Value of your Savings / Investments is Rs. 5998235

Your Annual Income

Current Value of your O/s. Payment Liabilities 379644

Your Annual Income

Liquid Asset -( Cash +Liquid Funds+FDR<1 Year) 357092

Your Annual Outflow Monthly Amt.

Yearly Expenses Amount Rs. 485400 40450

Total Annual Payment of EMI + Interest 132000 11000

(Surrender Value of Investments / Monthly Outflow of Expenses & Loan EMI

Surrender / Liquidity -Value of Investments -Rs. 4675909

Your Annual Outflow Monthly Amt.

Yearly Expenses Amount Rs. 485400 40450

Total Annual Payment of EMI + Interest 132000 11000

Liquid Asset -( Cash +Liquid Funds+FDR<1 Year) 357092

Total Debt / O/s. Liabilities 379644 0.94

Surrender / Liquidity -Value of Investments -Rs. 4675909

Total Debt / O/s. Liabilities 379644 12.32

(Cur. value of Investment - liabilities + Death Benefit by Life Ins./ Annual

Value of Investments (Excl.- LI Policy) - Liabilies + Death 5657996

Following is the life insurance cover amount,

Need - Fund for - New Residential House 3500000 6% 2020 1 Yes

Required Wants to Required

Contact : Satish Mistry, Email: moneycarefp@gmail.com 18

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

280000 436375 341303 224286 160771

Unit Linked Life Insurance Plan Cash Account 225668 225668

Gross Life Insurance Need to 15% 12% 9%

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

Findings from your Risk Analysis

2 Your current annual take-home income is : between Rs.500,000 and Re.10,00,000

3 The number of years you have until retirement is : 15 years or more

4 Your present job or business is : Is relatively secure

7 How good is your knowledge of finance? I'm proficient in finance

Your risk analysis from above questionnaire

With Existing Investment Portfolio

Post Tax Rate of Return - Assumption

Funds to be required to provide regular

expenses from Retirement year onwards.