Family financial plan
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Private and Confidential ARB Financial Consultants
Family Financial Planning Service
For : Kumar and Kumari
Planning year Feb 2013 to Jan 2014
Strictly Private & Confidential
A Plan designed by
Plan By : Ashish Ramesh Bhave CFPCM Page 1 of 43
Sr. No. Page no.
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29 31
30 32
31 33
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33 35
34 36
35 37
36 38
37 39
38 40
39 41
40 42
Liabilities.
Last page
Real estate.
Tangible assets.
Liquid assets.
Life insurance.
Health insurance.
General insurance.
Personal details.
Regular income and regular expenses.
Equity investments.
MF investments.
Retrial's.
Fixed income instruments.
PF calculations.
Retirement expense calculations.
Other goals calculations.
Financial goals at a glance.
Life cash flow at a glance.
Data & ARB's recommendations - Cover.
Life insurance need analysis.
Contingency fund calculation.
Child Education & marriage funding calculations.
Car Purchase calculations.
International tour calculations.
Retirement planning.
Investment - Graphical for planning year.
Financial assessment & goals quantification - Cover
Data & assumptions for plan construction.
Net-worth statement.
Financial assessment - Graphical representation - 1.
Financial assessment - Graphical representation - 2.
Cover - Planned financial goals.
Planned financial goals.
Financial planner's summery - Cover
Financial planner's comment.
Action plan for the planning year.
Investment strategy for planning year.
Family financial plan
Table of contents.
Description
Disclaimer and Disclosures.
Family financial plan - Scope of work.
Private and Confidential ARB Financial Consultants
Disclaimer
A Financial Plan is a generic direction to your cash flows over a period of time. Your future financial
condition may alter due to changes in income/expense patterns, new family commitments, macro
economic scenario etc. which may prompt you to alter some aspects of your goals and add new goals.
Therefore this Financial Plan and the Cashflows depicted in it should be used to give you a long term
direction for managing your personal finances while taking immediate actions as a step towards
accomplishing your financial objectives.
These recommendations are subject to review at the time when you are actually taking actions as
recommended because of changes in legal circumstances, economic conditions etc. If considerable time has
elapsed since the date of this plan, you should not act on any specific recommendation without further
consideration with the planner.
Returns from each recommended investment will vary in line with market conditions and investment policies
of the fund manager. Income and growth assumptions are intended as a guide only and should be treated
with caution. The planner should not be held responsible for the accuracy of the same. Most equity/ growth
investment are long term in nature and significant variations including capital loss, may occur over shorter
periods. Neither the authorized representative nor the company guarantees the performance or return of
capital on any of these investments. Performances of investments are subject to market risks. Past
performances of a particular asset class or investment may not be the true indicator of their performance in
future.
These recommendations are based on the information you have supplied. If any material information has
been withheld or any inaccurate, these recommendations could prove to be inappropriate for you.
While we have made every attempt to ensure that the calculations contained in this Financial Plan are correct
and complete, kindly note the plan may contain inaccuracies or errors due the manual-computer interface
involved in making the calculations and we expressly exclude liability for any such inaccuracies or errors. In
the case where a error or omission is involved, you can request us to rectify the error or omission, we shall do
needful.
Disclosure
If the product recommendation are implemented through us, we would receive applicable brokerage from
all/some the investments recommended. We will be entitled to commission directly from product providers.
We will be also eligible to other incentives including allowances and incentives based on volumes, discounted
services and awards.
Plan By : Ashish Ramesh Bhave CFPCM Page 3 of 43
Private and Confidential ARB Financial Consultants
Scope of Work For Family Financial Planning consultancy
Service.
Life Goals
Insurance Planning (Need based analysis Method )
Contingency Planning & Funding
Children Higher education & Marrige Exp. Planning
Retirement Planning
Purchase of House
Purchase of Car
International Vacation
Analysis
Inflow/Outflow
Assets/Liabilities
Life Cashflows & Goal feasibility study
Insurance Policies
Mutual Funds
Equity Portfolio
Debt Instruments
Further to the Data Gathering Meeting held, we shall be covering the following in the your Personal
Financial Plan to give you Financial Planning Recommendations & a Goal-Oriented Investment
Strategy;
Plan By : Ashish Ramesh Bhave CFPCM Page 4 of 43
Private and Confidential ARB Financial Consultants
Planned Financial Goals
Plan By : Ashish Ramesh Bhave CFPCM Page 5 of 43
Private and Confidential ARB Financial Consultants
Planned financial Goals
Child 1 Education / Name of child Little angle
Particulars Present value of expenses At Age Years till expenses Priority
Graduation 10,00,000 18 High
PG 30,00,000 22 High
Marriage 15,00,000 26 High
Vehicle 65,000 18 High
Child 2 Education / Name of child 0
Particulars Present value of expenses At Age Years till expenses Priority
Graduation 18 High
PG 22 High
Marriage 25 High
Bike / Scooter 18 High
Retirement @ age Choice of Std. of livingReduction in exp. Post
retirement in %Priority
55 Maintining Std. of living High
Medical corpus 10,00,000 High
Tours Cost of tour as on today Frequency of Tour first Such Exp. After Priority
International tours 5,00,000 5 8 High
Car Cost of car as on today Frequency of Change first Such Exp. After Priority
Car 1 7,00,000 5 5 High
Other goals Cost of exp. as on today years from now Priority
International tour 3,00,000 2
Farm house 25,00,000 10
Plan By : Ashish Ramesh Bhave CFPCM Page 6 of 43
Private and Confidential ARB Financial Consultants
Financial Planner's Summary
Plan By : Ashish Ramesh Bhave CFPCM Page 7 of 43
Private and Confidential ARB Financial Consultants
Sr. No Goals Year of goal Future value of Goal Goal can be achived
1 Graduation Feb-31 65,43,553 Yes Successfully
2 PG Feb-35 87,75,782 Yes Successfully
3 PG Feb-39 2,26,19,797 Yes Successfully
4 Vehicle Feb-31 1,31,678 Yes Successfully
1 Graduation Feb-31 0 Yes Successfully
2 PG Feb-35 0 Yes Successfully
3 Marriage Feb-38 0 Yes Successfully
4 Bike / Scooter Feb-31 0 Yes Successfully
1 Retirement Fund Feb-36 11,76,74,283 Yes Successfully
1 Intenational tour Feb-21 11,52,269 Yes Successfully
2 Intenational tour Feb-26 19,41,640 Yes Successfully
3 Intenational tour Feb-31 32,71,776 Yes Successfully
4 Intenational tour Feb-36 55,13,134 Yes Successfully
5 Intenational tour Feb-41 92,89,951 Yes Successfully
6 Intenational tour Feb-46 1,56,54,107 Yes Successfully
1 Car 1 Yes Successfully
2 Car 2 Yes Successfully
1 International tour Feb-15 3,73,608 Yes Successfully
2 Farm house Feb-23 74,88,833 Yes Successfully
2 0 Feb-13 0 Yes Successfully
2 0 Feb-13 0 Yes Successfully
Other golals
Changes as desiered
Car
Planner's Comment
Planning year Feb 2013 to Jan 2014
Little angle
0
Retirement funding
Tours
children education and other expanses
Plan By : Ashish Ramesh Bhave CFPCM Page 8 of 43
Private and Confidential ARB Financial Consultants
Sr. No Description Need Calculation criteria Amount / Action to takeC
on
tin
ge
ncy
Contingency Fund
This is the fund required
as a support to Families
requirements in
emergencies.
6 X (monthly Household Exp +
Monthly Life style exp. + Monthly
committed Exp. Like insurance
premiums, EMI Etc.)
Rs. 5,07,000/- to be maintained ( Savings Flexi Fix
a/c & FD )
Medical Insurance To protect our existing
asset. The Life style of Individual & Age.
Have to take a family floater plan. cover : 3 Lac, the
plan suggested to you is Optima restore-Floater
from Apollo munich.
Accidental & Disability Policy To protect our existing
asset.
For earning member in the family.
Monthly income X 75
Personal accident and Disability plan of Rs. 1crore
for you, the plan suggested to you is PA premium
plan -Apollo munich.
Te
rm L
ife
insu
ran
ce
Self To protect the important
financial goals & liabilities
Creation of Fund to take care of Basic
Financial Goals & liabilities less
Existing life insurance.
Take additional cover of Rs. 1 crores for 15 years,
we recommend you to buy online term insurance
plan from HDFC life insurance or ICICI prudential
life insurance.
Life insurance Investments to be made
in Efficient way Yield from investment Continue existing life insurance policies
FD's Cope up with possible
needs Existing financial and social situation Continue till maturity.
Equity investment optimisation of
investments Management in efficient way .
Gradually Liquidate portfolio to enter in the ARB's
suggested portfolio.
Mutual funds optimisation of
investments Management in efficient way .
Gradually Liquidate portfolio to enter in the ARB's
suggested portfolio.
Re
al
est
ate
Existing real estate optimisation of cash
flows
Returns from the property and need
of cash flowHold
ARB's Portfolio Mutual funds SIP amount Execution No. of SIP's per month
ICICI focused bluechip fund 3200 Once in a month 1
DSPBR top 100 equity fund 3,500 Once in a month 1
IDFC Premier equity fund 6,000 Once in a month 1
HDFC midcap opportunities 4000 Once in a month 1
SBI Magnum emerging business - Growth 5,000 Twice in a month 2
ICICI dynamic fund 3200 Once in a month 1
UTI Dividend yield fund 3,500 Once in a month 1
DSPBR small and midcap fund 2,200 Once in a month 1
Debt. ( FD's) Bank Fixed deposits 78,786 One time investment NA
Commodity ( Gold ) Gold ETF of any company. 2,200 Once in a month 1
Actions to be taken - Planning year Feb 2013 to Jan 2014
Financial plan - Protection system.G
en
era
l In
sura
nce
Financial Plan - Existing Investment
Fix
ed
In
com
e
inst
rum
en
t
Part of contingency fund to be kept in FD.
Eq
uit
y a
nd
MF
inv
est
me
nts
Particulars
New investments in this financial planning year.
Mutual Funds
Your spouse's salary is taken in to consideration from year 2015 and the amount considered is Rs.3,00,000/- as then. The growth in salary is considered @ 8% from then.
The additional income of Rs.1,20,000/- is considered as rental income as you are expecting to rent out the property you have.
Cash flow changes, made on the basis of information given by you.
Accumulation in this year
In this year you are expecting investible surplus of Rs. 4,45,600/- . The investment plan would be designed separately for the amounts as and when these are available.
Part of contingency fund to be kept in Savings a/c. 2,07,000/- made available for this goals in current year
Amount needed
5,00,000/- made available for this goals in current year
Goals in this year
Plan By : Ashish Ramesh Bhave CFPCM Page 9 of 43
Private and Confidential ARB Financial Consultants
Weekly SIP Amount Yearly amount
3,200 38,400
3,500 42,000
6,000 72,000
4,000 48,000
5,000 1,20,000
3,200 38,400
3,500 42,000
2,200 26,400
2,200 26,400
Nationlised Bank 3,00,000 Part of Contingency Fund
Savings A/C with Auto
sweep facility 2,07,160 Part of Contingency Fund
Nationlised Bank 78,786 Debt Portion of asset
allocation
Total Debt 5,85,945
Investment Product recommnendation
Bank FD
Available funds for regular investment 5,32,386
Total Equity & Gold 4,53,600
ICICI dynamic fund
Net asset 5,32,386
Investment strategy
Planning year Feb 2013 to Jan 2014Investment Statistics
Existing Financial Asset 10,39,545
Goals Funding for current year. 5,07,160
UTI Dividend yield fund
DSPBR small and midcap fund
Gold ETF of any company.
Products
ICICI focused bluechip fund
DSPBR top 100 equity fund
IDFC Premier equity fund
HDFC midcap opportunities
SBI Magnum emerging business - Growth
Plan By : Ashish Ramesh Bhave CFPCM Page 10 of 43
Private and Confidential ARB Financial Consultants
Asset Class Amount investment % Distribution
Large cap Equity 80,400 15%
Midcap Equity 2,40,000 45%
Small cap Equity 26,400 5%
Opportunity Equity 80,400 15%
Gold 26,400 5%
Debt 78,786 15%
Total 5,32,386 100%
Investment strategy
Planning year Feb 2013 to Jan 2014
Large cap Equity
15%
Midcap Equity
45%
Small cap Equity
5%
Opportunity Equity
15%
Gold
5%
Debt
15%
Investment strategy
Planning year Feb 2013 to Jan 2014
Plan By : Ashish Ramesh Bhave CFPCM Page 11 of 43
Financial assessment & Goals quantification
Private and Confidential ARB Financial Consultants
Particulars
Client
Date of Birth
Current Age
Retirement Age
Life Expectancy
% Income Increase
Dependents
Particulars Child-1 Child-2 Father Mother
Name Little angle
Date of Birth 15-10-2012
Current Age 0
Real estate Auto. International tour Education Rental Income
14% 4% 11% 11% 6%
Investment
StrategyAggressive Cautious Conservative Protective
Expected returns 15% 12% 10% 8%
Plan Date
16-Feb-13 Growth rate
Economic InflationInflation Post
retirement
Post tax return post
retirement Life style inflation Foreign education
11.60% 8% 9% 11% 5%
Growth rate assumptions
Portfolio Return Assumptions
Other Assumptions
80
Self Spouce
Kumar Kumari
8%
The above said portfolio return assumptions are just indicative figures and are not guarantee of the
returns, returns are subject to financial market risks.
Data & Assumptions For Financial plan structuring
06-Sep-80 05-Jan-83
8%
32 30
55 52
80
Plan By : Ashish Ramesh Bhave CFPCM Page 13 of 43
Private and Confidential ARB Financial Consultants
Particulars Total Percentage
Residential Property 40,00,000
Vehicle 0
Jewellery 0
Inheritance of Wealth 0
Others 0
Personal Assets 40,00,000 34%
Savings Bank/Cash in Hand 4,00,000
Receivables 0
Total Liquid Assets 4,00,000 3%
Fixed Deposits 4,78,323
PPF (Public Provident Fund) 1,50,480
EPF + Superannuation +
Gratuity0
NSC / POMIS / KVP / RDs etc 0
Debt Mutual Funds 0
Traditional Insurance Policies
SV0
Bonds/Debentures/CDs 0
Total Debt Assets 6,28,803 5%
Direct Equity 1,49,298
Equity & Hybrid Mutual Funds 4,90,247
Unit-linked Insurance Policies
SV0
Total Equity Assets 6,39,545 5%
Gold/Silver (ETFs, MF, Bars) 0 0%
Real Estate 60,00,000 51%
Total Assets 1,16,68,348 100%
Home Loan 27,00,000
Vehicle Loan 2,98,000
Personal Loan 0
Total Liabilities 29,98,000 26%
Networth (Assets-Liabilities) 86,70,348 74%
Networth Statement
Plan By : Ashish Ramesh Bhave CFPCM Page 14 of 43
Private and Confidential ARB Financial Consultants
%
Networth 86,70,348 74%
Total Liabilities 29,98,000 26%
Total Assets 1,16,68,348 100%
%
Monthly Income 1,25,000 100%
Monthly Exp. 80,943 65%
Investible Surplus 44,057 35%
Networth
ARB's Comment : The Solvency ratio is very Good .
Requested to maintain the same.
Monthly Cashflow
ARB's Comment : The expenses are with in limits &
investible surplus ratio is healthy, a good sign.
Financial assessment - graphical representation.
Monthly Income Monthly Exp. Investible Surplus
1,25,000
80,943
44,057
Monthly Cashflow
Networth Total Liabilities Total Assets
74%
26%
100%
Networth
Plan By : Ashish Ramesh Bhave CFPCM Page 15 of 43
Private and Confidential ARB Financial Consultants
Existing investment portfolio %
Debt 6,28,803 9%
Equity 6,39,545 9%
Commodity 0 0%
Cash 4,00,000 5%
Real estate 57,02,000 77%
Total Assets 73,70,348 100%
%
Income 1,25,000 100%
Household
Expenses15,000 12%
Lifestyle Expenses 22,100 18%
Dependents
Expenses0 0%
Pure Insurance
Premiums1,843 1%
Loan Serving 42,000 34%
Regular
Investments9,583 8%
Surplus 34,473 28%
ARB's Comment : Proportion to House hold and Life style expenses are in
the limits, Loan serving to Income is with in limits, Good investible surplus
ratio.
Current Income - Expenses distribution
ARB's Comment : The Investment portfolio is having a real estate majorly,
no added exposure to real estate is suggested, very less exposure to
equity, debt and no to commodity. Imbalanced portfolio have to build
equity, Debt and commodity in portfolio.
Financial assessment - graphical representation.
Debt
9%
Equity
9%
Cash
5%
Real estate
77%
Existing investment portfolio
Household
Expenses
12%
Lifestyle
Expenses
18%
Dependents
Expenses
0%
Pure
Insurance
Premiums
1%
Loan Serving
34%Regular
Investments
8%
Surplus
27%
Current income and expenses
distribution
Plan By : Ashish Ramesh Bhave CFPCM Page 16 of 43
Private and Confidential ARB Financial Consultants
Type Description Present value of Financial goals
Child higher Education 41,76,593
Retirement 50,80,350
Contingency Fund 0
Other goals 0
Household Exp. 34,87,077
Life style Exp. 51,37,627
Dependent's exp. 8,73,885
Loans 29,98,000
Total liability 2,17,53,533
Existing Asset 10,39,545
Additional required 2,07,13,988
Insurance cover requiredIncomewise breck up of
insurance coverExisting insurance cover Additional insurance required
Self 2,07,13,988 1,00,00,000 1,07,13,988
Spouse 0 0 0
Life insurance need analysis
Goals
Liabilities
This is a calculation of your life
insurance requirement, here we
have considered the
nonnegotiable expenses in your
life the figures you are able to see
are discounted figures of all the
expenses @ 10%.
Existing Asset
5%
Additional required
95%
Life insurance need analysis
Plan By : Ashish Ramesh Bhave CFPCM Page 17 of 43
Private and Confidential ARB Financial Consultants
Contingency Fund
Particulars Amount
Current Monthly Expenses
Household Exp. 15,000
Life style exp 22,100
Commited Exp. 0
Insurance premiums 5,427
Loan EMI 42,000
Total Monthly Expenses 84,527
Contingency Funding Requirement
Contingency Period (No. of Months) 6
Contingency Funds 5,07,160
Planners Comment : This is the Fund which is required to be maintained in the
easily accassible form. This will help a Family to Sustain in any type of
contingency.
You are requested to maintain 6 months expenses as liquidity with you, this
table gives you calculation of the fund required considering your fixed, non
negotiable expenses per month.
Plan By : Ashish Ramesh Bhave CFPCM Page 18 of 43
Private and Confidential ARB Financial Consultants
Child-1 Name
Goal Graduation PG Marriage Bike / Sotter
Goal @ Age 18 22 26 18
Years to Goal 18 22 26 18
Current Value 10,00,000 30,00,000 15,00,000 65,000
Year OF Goal Feb-31 Feb-35 Feb-39 Feb-31
Future value of
Goal65,43,553 87,75,782 2,26,19,797 1,31,678
Child's Education.
Children's Future
Little angle
You are planning to educate your child as per his/her major milestones in
education. This table will give you the idea of year of goal and amount required
at that time.
Plan By : Ashish Ramesh Bhave CFPCM Page 19 of 43
Private and Confidential ARB Financial Consultants
Car 1
Year to buyToday's price of a
Car
Future Projected price
of a carYear Count
15-Feb-18 7,00,000 8,51,657 5
14-Feb-23 7,00,000 10,36,171 10
13-Feb-28 7,00,000 12,60,660 15
11-Feb-33 7,00,000 15,33,786 20
10-Feb-38 7,00,000 18,66,085 25
Car 2
Year to buyToday's price of a
Car
Future Projected price
of a carYear Count
0
You are planning to buy cars in the respective years as per given table ( the
1st column.), and the third column will give you the amount required for the
same.
You are planning to buy cars in the respective years as per given table ( the 1st
column.), and the third column will give you the amount required for the
same.
Car Purchase Planning
Plan By : Ashish Ramesh Bhave CFPCM Page 20 of 43
Private and Confidential ARB Financial Consultants
Year to tourToday's price of
Tour
Future Projected
priceYear Count
Feb-21 5,00,000 11,52,269 8
Feb-26 5,00,000 19,41,640 13
Feb-31 5,00,000 32,71,776 18
Feb-36 5,00,000 55,13,134 23
Feb-41 5,00,000 92,89,951 28
Feb-46 5,00,000 1,56,54,107 33
Feb-51 5,00,000 2,63,78,081 38
You are planning to visit different destinations in the world, in the respective years as per given in above table ( the 1st
column.), and the third column will give you the amount required for the same.
International Tours
Plan By : Ashish Ramesh Bhave CFPCM Page 21 of 43
Private and Confidential ARB Financial Consultants
Retirement Planning
Particulars Amount Remarks/Notes
Current Expenses
Household Exp. 15,000
Life style exp. 22,100
Dependent Exp. 0
Total Monthly Expenses 37,100
Total Annual Expenses 4,45,200
Future Expenses at Retirement
Retirement Age 55
Reduction in Exp. 25%Reduction is considered as family
size will reduce to 2 from 3.
Inflation 11.60%
No. of Years for Retirement 23
Retirement Year Feb-36
Expenses in the First Year of
Retirement41,63,963
Corpus Required to Fund Retirement
Expenses
No. of Years in Retirement 25
Inflation during Retirement Years 8.00%
Tax adjusted Investment Returns on
Retirement Corpus9.00%
Net Returns 0.93%
Retirement Corpus Required
considering rental income10,66,48,016
Medical corpus
Amount at present value 10,00,000
Inflation 11%
Amount at the time of retirement 1,10,26,267
Total Corpus required
Retirement Fund ( Cost of living ) 10,66,48,016
Medical corpus 1,10,26,267
Total 11,76,74,283
Retirement benefits ( less ) 4,18,55,962
Additional funding required 7,58,18,321
Plan By : Ashish Ramesh Bhave CFPCM Page 22 of 43
Self
PF
41855962.09
Year Self's AgeCorpus @
BOY
Monthly
contri.
Corpus @
EOY
Feb-13 32 1,50,480.00 25,000 4,74,707
Feb-14 33 4,74,707 27,000 8,51,322
Feb-15 34 8,51,322 29,160 12,86,756
Feb-16 35 12,86,756 31,493 17,88,145
Feb-17 36 17,88,145 34,012 23,63,404
Feb-18 37 23,63,404 36,733 30,21,300
Feb-19 38 30,21,300 39,672 37,71,548
Feb-20 39 37,71,548 42,846 46,24,900
Feb-21 40 46,24,900 46,273 55,93,256
Feb-22 41 55,93,256 49,975 66,89,774
Feb-23 42 66,89,774 53,973 79,29,004
Feb-24 43 79,29,004 58,291 93,27,021
Feb-25 44 93,27,021 62,954 1,09,01,581
Feb-26 45 1,09,01,581 67,991 1,26,72,289
Feb-27 46 1,26,72,289 73,430 1,46,60,784
Feb-28 47 1,46,60,784 79,304 1,68,90,937
Feb-29 48 1,68,90,937 85,649 1,93,89,079
Feb-30 49 1,93,89,079 92,500 2,21,84,238
Feb-31 50 2,21,84,238 99,900 2,53,08,406
Feb-32 51 2,53,08,406 1,07,893 2,87,96,834
Feb-33 52 2,87,96,834 1,16,524 3,26,88,348
Feb-34 53 3,26,88,348 1,25,846 3,70,25,703
Feb-35 54 3,70,25,703 1,35,914 4,18,55,962
Feb-36 55 4,18,55,962 1,46,787 4,72,30,920
Feb-37 56 4,72,30,920 1,58,530 5,32,07,562
Feb-38 57 5,32,07,562 1,71,212 5,98,48,568
Feb-39 58 5,98,48,568 1,84,909 6,72,22,867
Retirement benefits
Maturity amount
Year Age self Age spouse Corpus @ BOY Passive income Other exp. Expenses Corpus @ EOY
Feb-36 55 53 10,66,48,016 4,32,424 41,63,963 11,21,78,960
Feb-37 56 54 11,21,78,960 4,58,370 44,97,080 11,78,72,872
Feb-38 57 55 11,78,72,872 4,85,872 48,56,847 12,37,17,069
Feb-39 58 56 12,37,17,069 5,15,024 52,45,394 12,96,95,502
Feb-40 59 57 12,96,95,502 5,45,926 56,65,026 13,57,88,278
Feb-41 60 58 13,57,88,278 5,78,682 61,18,228 14,19,71,117
Feb-42 61 59 14,19,71,117 6,13,402 66,07,686 14,82,14,748
Feb-43 62 60 14,82,14,748 6,50,207 71,36,301 15,44,84,233
Feb-44 63 61 15,44,84,233 6,89,219 77,07,205 16,07,38,208
Feb-45 64 62 16,07,38,208 7,30,572 83,23,782 16,69,28,049
Feb-46 65 63 16,69,28,049 7,74,406 89,89,684 17,29,96,920
Feb-47 66 64 17,29,96,920 8,20,871 97,08,859 17,88,78,736
Feb-48 67 65 17,88,78,736 8,70,123 1,04,85,568 18,44,96,988
Feb-49 68 66 18,44,96,988 9,22,330 1,13,24,413 18,97,63,446
Feb-50 69 67 18,97,63,446 9,77,670 1,22,30,366 19,45,76,718
Feb-51 70 68 19,45,76,718 10,36,330 1,32,08,795 19,88,20,636
Feb-52 71 69 19,88,20,636 10,98,510 1,42,65,499 20,23,62,475
Feb-53 72 70 20,23,62,475 11,64,421 1,54,06,739 20,50,50,971
Feb-54 73 71 20,50,50,971 12,34,286 1,66,39,278 20,67,14,118
Feb-55 74 72 20,67,14,118 13,08,343 1,79,70,420 20,71,56,724
Feb-56 75 73 20,71,56,724 13,86,844 1,94,08,054 20,61,57,711
Feb-57 76 74 20,61,57,711 14,70,055 2,09,60,698 20,34,67,103
Feb-58 77 75 20,34,67,103 15,58,258 2,26,37,554 19,88,02,709
Feb-59 78 76 19,88,02,709 16,51,753 2,44,48,558 19,18,46,435
Feb-60 79 77 19,18,46,435 17,50,858 2,64,04,443 18,22,40,207
Feb-61 80 78 18,22,40,207 18,55,910 2,85,16,799 16,95,81,457
Feb-62 81 79 16,95,81,457 19,67,265 3,07,98,143 15,34,18,131
Feb-63 82 80 15,34,18,131 20,85,300 3,32,61,994 13,32,43,167
Feb-64 83 81 13,32,43,167 22,10,419 3,59,22,953 10,84,88,390
Feb-65 84 82 10,84,88,390 23,43,044 3,87,96,790 7,85,17,761
Feb-66 85 83 7,85,17,761 24,83,626 4,19,00,533 4,26,19,932
Feb-67 86 84 4,26,19,932 26,32,644 4,52,52,575 0
Retirement calculator
Private and Confidential ARB Financial Consultants
Other Goals
Plan For Year Of GoalToday's
Amount
Future
Projected
Amount
Year
Count
International tour Feb-15 3,00,000 3,73,608 2
Farm house Feb-23 25,00,000 74,88,833 10
0 Feb-13 0 0 0
0 Feb-13 0 0 0
0 Feb-13 0 0 0
0 Feb-13 0 0 0
0 Feb-13 0 0 0
0 Feb-13 0 0 0
0 Feb-13 0 0 0
Plan By : Ashish Ramesh Bhave CFPCM Page 25 of 43
Goals Outflow at a glance.
Year Feb-13 Feb-14 Feb-15 Feb-16 Feb-17 Feb-18 Feb-19 Feb-20 Feb-21 Feb-22 Feb-23 Feb-24 Feb-25 Feb-26 Feb-27 Feb-28 Feb-29 Feb-30 Feb-31 Feb-32 Feb-33 Feb-34 Feb-35 Feb-36 Feb-37 Feb-38 Feb-39 Feb-40 Feb-41 Feb-42
Child 1 Education & Marriage 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 66,75,231 0 0 0 87,75,782 0 0 0 2,26,19,797 0 0 0
Child 2 Education & Marriage 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Contingency Fund 5,07,160 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Car 1 0 0 0 0 0 8,51,657 0 0 0 0 10,36,171 0 0 0 0 12,60,660 0 0 0 0 15,33,786 0 0 0 0 18,66,085 0 0 0 0
Car 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
International vacation 0 0 0 0 0 0 0 0 11,52,269 8 0 0 0 19,41,640 0 0 0 0 32,71,776 0 0 0 0 55,13,134 0 0 0 0 92,89,951 0
Other Goal 0 0 3,73,608 0 0 0 0 0 0 0 74,88,833 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Retirement Fund 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7,58,18,321 0 0 0 0 0 0
Total 5,07,160 0 3,73,608 0 0 8,51,657 0 0 11,52,269 8 85,25,004 0 0 19,41,640 0 12,60,660 0 0 99,47,007 0 15,33,786 0 87,75,782 8,13,31,455 0 1866085.43 22619797.2 0 9289950.72 0
Year of goal 16-Feb-13 16-Feb-14 16-Feb-15 16-Feb-16 15-Feb-17 15-Feb-18 15-Feb-19 15-Feb-20 14-Feb-21 14-Feb-22 14-Feb-23 14-Feb-24 13-Feb-25 13-Feb-26 13-Feb-27 13-Feb-28 12-Feb-29 12-Feb-30 12-Feb-31 12-Feb-32 11-Feb-33 11-Feb-34 11-Feb-35 11-Feb-36 10-Feb-37 10-Feb-38 10-Feb-39 10-Feb-40 09-Feb-41 09-Feb-42 09-Feb-43 09-Feb-44
Self Age 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63
spouse Age 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61
Salary Self 15,00,000 16,20,000 17,49,600 18,89,568 20,40,733 22,03,992 23,80,311 25,70,736 27,76,395 29,98,507 32,38,387 34,97,458 37,77,255 40,79,436 44,05,790 47,58,254 51,38,914 55,50,027 59,94,029 64,73,552 69,91,436 75,50,751 81,54,811 0 0 0 0 0 0 0 0 0
Salary Spouce 0 0 0 3,00,000 3,24,000 3,49,920 3,77,914 4,08,147 4,40,798 4,76,062 5,14,147 5,55,279 5,99,701 6,47,677 6,99,492 7,55,451 8,15,887 8,81,158 9,51,651 10,27,783 11,10,005 11,98,806 0 0 0 0 0 0 0 0 0 0
Rental income 0 1,20,000 1,27,200 1,34,832 1,42,922 1,51,497 1,60,587 1,70,222 1,80,436 1,91,262 2,02,737 2,14,902 2,27,796 2,41,464 2,55,951 2,71,308 2,87,587 3,04,842 3,23,133 3,42,521 3,63,072 3,84,856 4,07,948 0 0 0 0 0 0 0 0 0
Other sources 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investment maturing 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Inflow 15,00,000 17,40,000 18,76,800 23,24,400 25,07,655 27,05,409 29,18,812 31,49,105 33,97,629 36,65,831 39,55,272 42,67,639 46,04,752 49,68,577 53,61,234 57,85,013 62,42,388 67,36,027 72,68,813 78,43,855 84,64,513 91,34,413 85,62,758 0 0 0 0 0 0 0 0 0
Household Exp. 1,80,000 2,00,872 2,24,165 2,50,158 2,79,166 3,11,537 3,47,662 3,87,976 4,32,964 4,83,169 5,39,196 6,01,719 6,71,493 7,49,357 8,36,250 9,33,219 10,41,432 11,62,194 12,96,958 14,47,349 16,15,179 18,02,470 20,11,479 0 0 0 0 0 0 0 0 0
Life style exp. 2,65,200 2,95,952 3,30,269 3,68,566 4,11,304 4,58,998 5,12,222 5,71,617 6,37,900 7,11,869 7,94,415 8,86,533 9,89,333 11,04,053 12,32,075 13,74,943 15,34,377 17,12,299 19,10,851 21,32,428 23,79,697 26,55,640 29,63,579 0 0 0 0 0 0 0 0 0
Insurace premium Exp. 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 0 0 0 0 0 0 0 0 0
EMI 5,04,000 5,04,000 4,32,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Additional premium Suggested 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 0 0 0 0 0 0 0 0 0
Dependent Exp. 0 0 0 80,000 88,800 98,568 1,09,410 1,21,446 1,34,805 1,49,633 1,66,093 1,84,363 2,04,643 2,27,154 2,52,141 2,79,876 3,10,662 3,44,835 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investment Insurance premium 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 0 0 0 0 0 0 0 0 0
PPF / VPF 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Recurring Deposits 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Cash outflow 10,54,319 11,05,943 10,91,553 11,63,844 12,44,389 13,34,222 14,34,413 15,46,158 16,70,788 18,09,791 19,64,823 21,37,735 23,30,588 25,45,683 27,85,585 26,93,157 29,91,591 33,24,447 33,12,928 36,84,896 40,99,996 45,63,229 50,80,178 0 0 0 0 0 0 0 0 0
Inflow -outflow ( Surplus ) 4,45,681 6,34,057 7,85,247 11,60,556 12,63,266 13,71,188 14,84,399 16,02,948 17,26,841 18,56,040 19,90,449 21,29,905 22,74,165 24,22,894 25,75,648 30,91,856 32,50,797 34,11,581 39,55,884 41,58,959 43,64,517 45,71,184 34,82,581 0 0 0 0 0 0 0 0 0
Returns 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 12% 12% 12% 12% 12% 12% 12% 12% 12% 12% 12% 12% 12%
Corpus @ BOY 10,39,545 10,16,237 18,02,729 24,28,736 39,53,603 58,09,910 70,73,179 96,18,555 1,26,64,286 1,49,65,661 1,90,66,541 1,41,13,218 1,83,60,105 2,33,88,285 2,70,86,536 3,37,25,164 4,04,26,035 4,97,40,738 6,06,13,429 6,22,22,269 7,38,47,901 8,53,56,326 10,01,70,268 10,58,44,405 2,74,54,504 3,07,49,045 3,23,48,915 1,08,96,611 1,22,04,205 32,63,964 36,55,640 40,94,317
Goals Outflow 5,07,160 0 3,73,608 0 0 8,51,657 0 0 11,52,269 8 85,25,004 0 0 19,41,640 0 12,60,660 0 0 99,47,007 0 15,33,786 0 87,75,782 8,13,31,455 0 18,66,085 2,26,19,797 0 92,89,951 0 0 0
Net. Corpus 5,32,386 10,16,237 14,29,121 24,28,736 39,53,603 49,58,253 70,73,179 96,18,555 1,15,12,017 1,49,65,653 1,05,41,538 1,41,13,218 1,83,60,105 2,14,46,645 2,70,86,536 3,24,64,504 4,04,26,035 4,97,40,738 5,06,66,422 6,22,22,269 7,23,14,115 8,53,56,326 9,13,94,486 2,45,12,950 2,74,54,504 2,88,82,959 97,29,117 1,08,96,611 29,14,254 32,63,964 36,55,640 40,94,317
Corpus @ EOY 10,16,237 18,02,729 24,28,736 39,53,603 58,09,910 70,73,179 96,18,555 1,26,64,286 1,49,65,661 1,90,66,541 1,41,13,218 1,83,60,105 2,33,88,285 2,70,86,536 3,37,25,164 4,04,26,035 4,97,40,738 6,06,13,429 6,22,22,269 7,38,47,901 8,53,56,326 10,01,70,268 10,58,44,405 2,74,54,504 3,07,49,045 3,23,48,915 1,08,96,611 1,22,04,205 32,63,964 36,55,640 40,94,317 45,85,635
Ca
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ow
Inv
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rtfo
lio
Life cash flow at a glance.C
ash
Ou
t fl
ow
0
2,00,00,000
4,00,00,000
6,00,00,000
8,00,00,000
10,00,00,000
12,00,00,000
14,00,00,000
01-Jan-13 01-Jan-15 01-Jan-17 01-Jan-19 01-Jan-21 01-Jan-23 01-Jan-25 01-Jan-27 01-Jan-29 01-Jan-31 01-Jan-33 01-Jan-35 01-Jan-37 01-Jan-39 01-Jan-41 01-Jan-43
Axis
Tit
le
Life cash flow at a glance.
Corpus @ EOY
Goals Outflow
Private and Confidential ARB Financial Consultants
Data & ARB's Recommendation
Plan By : Ashish Ramesh Bhave CFPCM Page 28 of 43
Private and Confidential ARB Financial Consultants
Today's Date 16-Feb-13
Particulars Self Spouse
Title(Mr,Mrs,Ms) Mr. Mrs. Mr.
First Name Kumar Kumari Mrs.
Gender Male Female
Date of Birth 6-Sep-80 5-Jan-83 Male
PAN No. KYC complied ? Yes Yes Female
Residential Status Resident Resident
Critical illness? No No Service Govt.
Smoker? No No Self employed
Date of Marriage(if applicable) Professional
Occupation Service housewife Housewife
Retirement age 55 50
Life Expectancy 80 80 Retired
NA
Dependent Details
Name of Dependent Date of Birth Relationship Occupation Critical illnes ?
Little angle 15-Oct-12 Daughter NA No
End of page
Personal & Dependent Details
04-Dec-08
Plan By : Ashish Ramesh Bhave CFPCM Page 29 of 43
Private and Confidential ARB Financial Consultants
Income & Expenses detailsMonthly Income
Income Head Self Spouse Total
Income from salary( NET) 1,25,000 0 1,25,000
Income from Business or Profession 0 0 0
Income from Other Sources 0 0 0
Gross Total 1,25,000 0 1,25,000
Deductions if any 0 0 0
Net Income 1,25,000 0 1,25,000
Growth in salary in % 8% 8% 0%
Income from House property 0 0 0
Total income 125000 0 125000
Monthly Expenditure
Monthly Annual % of Income Inflation rate
15,000 1,80,000
0 0
0 0
0 0
0 0
0 0
15,000 1,80,000 12% 11%
15,000 1,80,000
0 0
0 0
2,100 25,200
5,000 60,000
22,100 2,65,200 18% 12%
0 0
0 0
0 0 0% 11%
750 9,000
0 0
1,093 13,119
1,843 22,119 1% 0%
30,000 3,60,000
0 0
12,000 1,44,000
42,000 5,04,000 34% 0%
80,943 9,71,319 65%
44,057 5,28,681 35%
0 0
0 0
3,583 43,000
6,000 72,000
9,583 1,15,000 8%
34,473 4,13,681 28%
11.60% 37,100
End of page
Net Outflows
Savings (Inflows-Outflows)
PF + VPF+PPF
Recurring Deposits (RDs)
Mutual Fund SIPs
Regular Monthly Investments
Insurance Premiums (Investments)
Home Loan 1 EMIs
Home Loan 2 EMIs
Surplus (Savings-Investments)
Customised Economic inflation
Personal Loan EMIs
Loan Servicing
Lifestyle Expenses
Children's Schooling/College Expenses
Contribution to Parents, Siblings etc
Dependent Expenses
Pure Insurance Premiums
Mediclaim/PA/CI
Motor Insurance
Life Insurance (Term)
Electricity / Water / Labour / AMCs
Particulars
Food & Grocery
House Rent / Maintenance / Repair
Conveyance, Fuel & Maintenance
Medicines / Doctor / Healthcare
Personal Care / Others
Travel & Annual Vacations
Mobile / Telephone / Internet
Household Expenses
Clothes & Accessories
Shopping, Gifts, Whitegoods, Gadgets
Dining / Movies / Sports
Plan By : Ashish Ramesh Bhave CFPCM Page 30 of 43
Private and Confidential ARB Financial Consultants
Sr. No. Holder Script Market rate No of script Total value ARB's
Recommendation
1 0 BHEL 205 85 17,387
2 0 DLFLIM 249 25 6,218
3 0 UTIBAN 1,449 2 2,899
4 0 HDIL 67 25 1,671
5 0 LARTOU 1,444 19 27,436
6 0 NTPC 150 20 3,000
7 0 ONGC 323 20 6,455
8 0 RELCAP 400 50 20,008
9 0 POWGRI 106 385 40,675
10 0 RELIND 846 20 16,916
11 0 RELPOW 79 25 1,966
12 0 SESGOA 165 25 4,125
13 0 SUZENE 22 25 543
14
15
16
17
18
19
20
Total 1,49,298
Equity Investments
End of page
Sell and align to the
ARB's portfolio.
Plan By : Ashish Ramesh Bhave CFPCM Page 31 of 43
Private and Confidential ARB Financial Consultants
Sr.
NoFund Name Option (gr./div.) Fund category Holder SIP Y/N Amount
Total
Units
Latest
NAV
Present
ValueLocked in (Y/N)
1 HDFC Top 200 fund Growth Largecap 0 Yes 3,000 401 222 89,213 No
2 Reliance Equity Opportunities fund Growth Largecap 0 Yes 3,000 2,232 43 94,851 No
3 HDFC Top 200 fund Growth Largecap 0 No 0 287 222 63,739 No
4 Reliance Equity Opportunities fund Growth Largecap 0 No 0 1,946 43 82,695 No
5 Sundaram SMILE Growth Multicap 0 No 0 2,405 30 72,663 0
6 Sundaram select midcap Growth Midcap 0 No 0 413 158 65,399 0
7 Tata Infra Growth Sectoral 0 No 0 457 28 12,748 0
8 Reliance diversified power sector Growth Sectoral 0 No 0 169 53 8,938 0
9 0 0 0 0 0 0 0 0 0 0
10 0 0 0 0 0 0 0 0 0 0
Total 4,90,247
1
2
3
4
5
6
Mutual Funds
Equity Schemes
Balanced Schemens
Plan By : Ashish Ramesh Bhave CFPCM Page 32 of 43
Private and Confidential ARB Financial Consultants
Sr.No Particulars HolderMonthly
contribution.
Current
Accumulated
value
Investment
start date
Interest
rate
Date of
maturityMaturity Value
ARB's
Recommendation
1 PF Self 12,500 1,50,480 41153 0.00% 0 0 Continue
2
3
4
5
6
7
Total 12,500 1,50,480 0
End of page
Retirement Related investments / Benefits
Plan By : Ashish Ramesh Bhave CFPCM Page 33 of 43
Private and Confidential ARB Financial Consultants
Sr.No ParticularsInvested
amount
Current
Accumula
ted value
Investment
date
Coupon/
Interest
rate
Passive
income
p.a
Date of
maturityMaturity Value
ARB's
Recommendation
1 FD 4,78,323 0 41179 0.0875 0 41545 5,20,296
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
Total 4,78,323 0 0 0 520296
Fixed Income Instruments
End of page
Continue till
maturity
Plan By : Ashish Ramesh Bhave CFPCM Page 34 of 43
Private and Confidential ARB Financial Consultants
Sr.No Type of PropertyPurchase
Value
Purchase
DatePresent Value On loan
Passive
income
Willing to
Liquidate
(Y/N)
ARB's
recommendation
1 Resi House 20,00,000 10-08-2005 40,00,000 No No No Hold
2 Resi House 50,00,000 29-03-2012 50,00,000 Yes No Yes Hold
3 Land 10,00,000 dd-mm-yyyy 10,00,000 No No No Hold
4
5
6
7
8
9
Total 80,00,000 1,00,00,000 0
Real Estate Investments
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 35 of 43
Private and Confidential ARB Financial Consultants
Sr. No ParticularsPurchase
Value
Purchase
Date
Present
Value
Willing to
Liquidate (Y/N)
Liquidation
Proportion
Liquidation
Amount
ARB's
Recommendation
1
2 Vehicles 4,50,000 41202 N/A No 0 0 Hold
3
4
5
6
7
8
9
Total Value 0
End of page
Tangible Asset Investments
Plan By : Ashish Ramesh Bhave CFPCM Page 36 of 43
Private and Confidential ARB Financial Consultants
Sr No. Particulars Present balance ARB's Recommendation
1 Savings a/c 4,00,000 Align to main portfolio
2
3
4
5
6
7
8
9
10
11
12
13
14
15
Total 4,00,000
End of page
Liquid Assets
Plan By : Ashish Ramesh Bhave CFPCM Page 37 of 43
Private and Confidential ARB Financial Consultants
Sr No. Type Name of policy ModeYearly
premiumDate of Issue Maturity Date Cover
Surrender
Value
Maturity
Amount
ARB's
Recommendation
1 Term Aviva Life Insurence Yearly 9000 16-11-2011 16-11-2046 1,00,00,000 0 0 Continue
Total 9000 1,00,00,000 0 0
Total 0 0 0 0 0
0 0 0 0 0
Self
Life Insurance
Spouse
Children's
0
Plan By : Ashish Ramesh Bhave CFPCM Page 38 of 43
Private and Confidential ARB Financial Consultants
Sr No. Type Company NameIndividual /
Family coverDate of Start
Insurance Cover
Amount
Premium
Amount
ARB's
Recommendation
1 Others Tata AIG Individual 26-Nov-04 3,00,000 21,000 Continue
2
3
4
5
6
7
8
9
3,00,000 21,000
Health Insurance
End of page
Premium Total
Plan By : Ashish Ramesh Bhave CFPCM Page 39 of 43
Private and Confidential ARB Financial Consultants
Sr No. Policy Name Policy Type Policy HolderDate of
CommencementValid Upto
Premium
Amount
Insured
AmountClaims ( if any )
ARB's
Recommendation
1 Vehicle Comprehensive Self 20-Oct-12 19-Oct-13 13,119 N/A 0
2
3
4
5
6
13,119 0
End of page
General Insurance
Plan By : Ashish Ramesh Bhave CFPCM Page 40 of 43
Private and Confidential ARB Financial Consultants
Sr.No Liability Type Borrers Name.Current rate of
interest p.aCurrent EMI
No.of
installments
Remaining
Balance
OutstandingARB's Recommendation
1 Housing loan Self 10.75% 30,000 2 27,00,000 Continue
2 Others Self 9.50% 12,000 30 2,98,000
3
4
5
6
7
8
9
Total 42,000 29,98,000
Liabilities
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 41 of 43
Private and Confidential ARB Financial Consultants
Mobile : 8793107044
Financial plan Prepared by
Ashish Ramesh Bhave.
Office address :
1st Floor, "Snehashanti", Chatrapati Shivaji Hsg. Soc., off LBS raod, Navi peth
Pune -411030
email : arbfinancials@gmail.com
MBA. CPFA.CFPCM
Chief financial planner.
ARB financial consultants.
Plan By : Ashish Ramesh Bhave CFPCM Page 42 of 43
Annexture 1
Cars on Loan
Car 1 plan Projected EMI's if loan is taken for cars
Price of Car 8,51,657 Price of Car 10,36,171 Price of Car 12,60,660
Prepayment 20% Prepayment 20% Prepayment 20%
Laon 6,81,326 Laon 8,28,937 Laon 10,08,528
Rate of Int 12% Rate of Int 12% Rate of Int 12%
Tenure ( Y ) 5 Tenure ( Y ) 5 Tenure ( Y ) 5
EMI 15,156 EMI 18,439 EMI 22,434
Year Amount Year Amount Year Amount
2012 3,52,200 2022 4,28,505 2029 5,21,342
2013 1,81,869 2023 2,21,271 2030 2,69,210
2014 1,81,869 2024 2,21,271 2031 2,69,210
2015 1,81,869 2025 2,21,271 2032 2,69,210
2016 1,81,869 2026 2,21,271 2033 2,69,210
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