Age today 30

Retierment Age 60

years to retierment 25

Monthly Savings 5000

Yearly Savings 60000

Kind of Investments

Equity % 55%
Mutual Funds % 20%
FD % 25%

Type of Investor not risk averse

Expected Return 20%

Value at End ₹ 13,441,535.97

 22.00%
1 ₹ 60,000.00
2 ₹ 133,200.00
3 ₹ 222,504.00
4 ₹ 331,454.88
5 ₹ 464,374.95
6 ₹ 626,537.44
7 ₹ 824,375.68
8 ₹ 1,065,738.33
9 ₹ 1,360,200.76
10 ₹ 1,719,444.93
11 ₹ 2,157,722.82
12 ₹ 2,692,421.84
13 ₹ 3,344,754.64
14 ₹ 4,140,600.66
15 ₹ 5,111,532.81
16 ₹ 6,296,070.02
17 ₹ 7,741,205.43
18 ₹ 9,504,270.62
19 ₹ 11,655,210.16
20 ₹ 14,279,356.40
=(1-(B20+B21)) 21 ₹ 17,480,814.80
22 ₹ 21,386,594.06
=IF(B20>=50%,"not risk averse",IF(B20+B21>=75%,"not risk
averse",IF(AND(B20<=50%,(B20+B21)>=60%),"fairly
conservative","conservative")))
23 ₹ 26,151,644.75
24 ₹ 31,965,006.60
25 ₹ 39,057,308.05
=IF(B24="not risk averse",20%,IF(B24="fairly
conservative",16%,IF(B24="conservative",14%))) 26 ₹ 47,709,915.82
27 ₹ 58,266,097.30
=FV(B27,20,-60000) 28 ₹ 71,144,638.70
29 ₹ 86,856,459.22
30 ₹ 106,024,880.25
 21.00% 20.00% 19.00% 18.00%
₹ 60,000.00 ₹ 60,000.00 ₹ 60,000.00 ₹ 60,000.00
₹ 132,600.00 ₹ 132,000.00 ₹ 131,400.00 ₹ 130,800.00
₹ 220,446.00 ₹ 218,400.00 ₹ 216,366.00 ₹ 214,344.00
₹ 326,739.66 ₹ 322,080.00 ₹ 317,475.54 ₹ 312,925.92
₹ 455,354.99 ₹ 446,496.00 ₹ 437,795.89 ₹ 429,252.59
₹ 610,979.54 ₹ 595,795.20 ₹ 580,977.11 ₹ 566,518.05
₹ 799,285.24 ₹ 774,954.24 ₹ 751,362.76 ₹ 728,491.30
₹ 1,027,135.14 ₹ 989,945.09 ₹ 954,121.69 ₹ 919,619.73
₹ 1,302,833.52 ₹ 1,247,934.11 ₹ 1,195,404.81 ₹ 1,145,151.29
₹ 1,636,428.56 ₹ 1,557,520.93 ₹ 1,482,531.72 ₹ 1,411,278.52
₹ 2,040,078.55 ₹ 1,929,025.11 ₹ 1,824,212.75 ₹ 1,725,308.65
₹ 2,528,495.05 ₹ 2,374,830.13 ₹ 2,230,813.17 ₹ 2,095,864.21
₹ 3,119,479.01 ₹ 2,909,796.16 ₹ 2,714,667.68 ₹ 2,533,119.77
₹ 3,834,569.60 ₹ 3,551,755.39 ₹ 3,290,454.53 ₹ 3,049,081.32
₹ 4,699,829.22 ₹ 4,322,106.47 ₹ 3,975,640.90 ₹ 3,657,915.96
₹ 5,746,793.36 ₹ 5,246,527.77 ₹ 4,791,012.67 ₹ 4,376,340.84
₹ 7,013,619.96 ₹ 6,355,833.32 ₹ 5,761,305.07 ₹ 5,224,082.19
₹ 8,546,480.15 ₹ 7,686,999.98 ₹ 6,915,953.04 ₹ 6,224,416.98
₹ 10,401,240.98 ₹ 9,284,399.98 ₹ 8,289,984.11 ₹ 7,404,812.04
₹ 12,645,501.59 ₹ 11,201,279.98 ₹ 9,925,081.10 ₹ 8,797,678.20
₹ 15,361,056.92 ₹ 13,501,535.97 ₹ 11,870,846.50 ₹ 10,441,260.28
₹ 18,646,878.88 ₹ 16,261,843.17 ₹ 14,186,307.34 ₹ 12,380,687.13

₹ 22,622,723.44 ₹ 19,574,211.80 ₹ 16,941,705.73 ₹ 14,669,210.81

₹ 27,433,495.37 ₹ 23,549,054.16 ₹ 20,220,629.82 ₹ 17,369,668.76
₹ 33,254,529.39 ₹ 28,318,864.99 ₹ 24,122,549.49 ₹ 20,556,209.13

₹ 40,297,980.57 ₹ 34,042,637.99 ₹ 28,765,833.89 ₹ 24,316,326.78

₹ 48,820,556.49 ₹ 40,911,165.59 ₹ 34,291,342.33 ₹ 28,753,265.60
₹ 59,132,873.35 ₹ 49,153,398.71 ₹ 40,866,697.38 ₹ 33,988,853.40
₹ 71,610,776.75 ₹ 59,044,078.45 ₹ 48,691,369.88 ₹ 40,166,847.02
₹ 86,709,039.87 ₹ 70,912,894.14 ₹ 58,002,730.15 ₹ 47,456,879.48
 April May

Credit Sales 292,500.00 600,000.00 800,000.00

Cash Sales 250,000.00 150,000.00
Total Sales 850,000.00 950,000.00

30% 40%
Collection
April May

87,750.00 87,750.00
180,000.00 180,000.00
240,000.00

267,750.00 507,750.00

Account Recievables

Opening Bal 292,500.00 624,750.00

Sales 600,000.00 800,000.00
Collection 267,750.00 507,750.00

Closing Balance 624,750.00 917,000.00

Commission
1st Layer 1% 250,000.00
2nd Layer 1% 500,000.00
3rd Layer 2% 500,000.00

April May
Comm to be paid 9,000.00 12,000.00

80%
85%

Accounts Payable April May

Opening Balance 127,500.00 102,000.00
Cost of Goods Sold 680,000.00 760,000.00
Payment 705,500.00 748,000.00

Closing Bal 102,000.00 114,000.00

Depriciation 5% 15%
Buliding Machinery

Gross Block 530,000.00 777,000.00

Addition - 223,000.00
Total 530,000.00 1,000,000.00

Depriciation for the Year 25,175.00 132,518.00

Accumulated Depriciation 26,500.00 116,550.00
Total Accumulated Dep 51,675.00 249,068.00

Net Block 478,325.00 750,932.00

Interest 11.50%

April May
Opening Bal 358,950.00 350,950.00
Principle Repayment 8,000.00 8,000.00
Interest Repayment 3,439.94 3,363.27
Closing Balance 350,950.00 342,950.00
June July August September October November

750,000.00 650,000.00 750,000.00 900,000.00 950,000.00 950,000.00

125,000.00 100,000.00 130,000.00 150,000.00 140,000.00 125,000.00
875,000.00 750,000.00 880,000.00 1,050,000.00 1,090,000.00 1,075,000.00

June July August September October November

117,000.00
240,000.00
240,000.00 320,000.00
225,000.00 225,000.00 300,000.00
195,000.00 195,000.00 260,000.00
225,000.00 225,000.00 300,000.00
270,000.00 270,000.00 360,000.00
285,000.00 285,000.00
285,000.00

822,000.00 740,000.00 720,000.00 755,000.00 855,000.00 930,000.00

917,000.00 845,000.00 755,000.00 785,000.00 930,000.00 1,025,000.00

750,000.00 650,000.00 750,000.00 900,000.00 950,000.00 950,000.00
822,000.00 740,000.00 720,000.00 755,000.00 855,000.00 930,000.00

845,000.00 755,000.00 785,000.00 930,000.00 1,025,000.00 1,045,000.00

June July August September October November
11,250.00 9,750.00 11,250.00 13,500.00 14,250.00 14,250.00

15%

June July August September October November

114,000.00 105,000.00 90,000.00 105,600.00 126,000.00 130,800.00
700,000.00 600,000.00 704,000.00 840,000.00 872,000.00 860,000.00
709,000.00 615,000.00 688,400.00 819,600.00 867,200.00 861,800.00
=(D54*$E$50)+(E54*$D$50)
105,000.00 90,000.00 105,600.00 126,000.00 130,800.00 129,000.00

10%
Furniture

330,000.00
130,000.00
460,000.00

42,700.00
33,000.00
75,700.00

384,300.00

June July August September October November

342,950.00 334,950.00 326,950.00 318,950.00 310,950.00 302,950.00
8,000.00 8,000.00 8,000.00 8,000.00 8,000.00 8,000.00
3,286.60 3,209.94 3,133.27 3,056.60 2,979.94 2,903.27
334,950.00 326,950.00 318,950.00 310,950.00 302,950.00 294,950.00
December January February March Total

900,000.00 950,000.00 900,000.00 850,000.00 9,950,000.00

130,000.00 120,000.00 115,000.00 110,000.00 1,645,000.00
1,030,000.00 1,070,000.00 1,015,000.00 960,000.00 11,595,000.00

December January February March

380,000.00
285,000.00 380,000.00
270,000.00 270,000.00 360,000.00
285,000.00 285,000.00 380,000.00
270,000.00 270,000.00
255,000.00

935,000.00 935,000.00 915,000.00 905,000.00 9,287,500.00

1,045,000.00 1,010,000.00 1,025,000.00 1,010,000.00

900,000.00 950,000.00 900,000.00 850,000.00
935,000.00 935,000.00 915,000.00 905,000.00

1,010,000.00 1,025,000.00 1,010,000.00 955,000.00

December January February March Total
13,500.00 14,250.00 13,500.00 12,750.00

December January February March

129,000.00 123,600.00 128,400.00 121,800.00
824,000.00 856,000.00 812,000.00 768,000.00 9,276,000.00
829,400.00 851,200.00 818,600.00 774,600.00

123,600.00 128,400.00 121,800.00 115,200.00

December January February March

294,950.00 286,950.00 278,950.00 270,950.00
8,000.00 8,000.00 8,000.00 8,000.00 96,000.00
2,826.60 2,749.94 2,673.27 2,596.60 36,219.25
286,950.00 278,950.00 270,950.00 262,950.00
 Cash Budge
Particulards April May June July

Opening Cash 225,500.00 100,000.00 100,000.00 100,000.00

Cash Sales 250,000.00 150,000.00 125,000.00 100,000.00
Collections From Account Recievable 267,750.00 507,750.00 822,000.00 740,000.00
Bank Overdraft 111,450.00 224,289.94 - -
Total Receipts 854,700.00 982,039.94 1,047,000.00 940,000.00

Accounts Payable 705,500.00 748,000.00 709,000.00 615,000.00

Rent 25,000.00 25,000.00 25,000.00 25,000.00
Electrcity 12,500.00 12,500.00 12,500.00
Salaries 62,500.00 62,500.00 62,500.00
Wages 3,400.00 6,800.00 6,800.00 6,800.00
Postage 800.00 800.00 800.00 800.00
Maintainance 3,000.00 3,000.00 3,000.00 3,000.00
Commission 9,000.00 12,000.00 11,250.00 9,750.00
Capex - - - -
Int - 3,439.94 3,363.27 3,286.60
Secured Loan Reapyment 8,000.00 8,000.00 8,000.00 8,000.00

Total Payment 754,700.00 882,039.94 842,213.27 746,636.60

Balance w/o repaytment of OD 100,000.00 100,000.00 204,786.73 193,363.40

Balance after repaytment of OD 100,000.00 100,000.00 100,000.00 100,000.00
Min Bal Req 100,000.00 100,000.00 100,000.00 100,000.00

Bal above minimum - - 104,786.73 93,363.40

Op bal of Overdraft - 111,450.00 335,739.94 230,953.21

Amt borrowed on overdraft 111,450.00 224,289.94 - -
Repayment of Overdraft - - 104,786.73 93,363.40
Overdraft cl bal 111,450.00 335,739.94 230,953.21 137,589.81
O/S Liabilities
Int 2,596.60
Electricity 12,500.00
Salary 62,500.00
Wages 3,400.00
Tax
 Income Statement
PARTICULARS AMT.
Revenues 11,595,000.00
COGS 9,276,000.00
Gross Profit 2,319,000.00

Expenses
Rent 300,000.00
Electricity 150,000.00
Salaries 750,000.00
Wages 81,600.00
Postage 9,600.00
Maintainance 36,000.00
Commission 149,250.00
EBITDA 842,550.00
Depriciation 200,393.00
EBIT 642,157.00
Interest 36,219.25
EBT 605,937.75
Tax 181,781.33
PAT 424,156.43
Cash Budget
August September October November December January February

100,000.00 100,000.00 100,000.00 100,000.00 100,000.00 100,000.00 100,000.00

130,000.00 150,000.00 140,000.00 125,000.00 130,000.00 120,000.00 115,000.00
720,000.00 755,000.00 855,000.00 930,000.00 935,000.00 935,000.00 915,000.00
- 402,833.27 8,106.60 - - - -
950,000.00 1,407,833.27 1,103,106.60 1,155,000.00 1,165,000.00 1,155,000.00 1,130,000.00

688,400.00 819,600.00 867,200.00 861,800.00 829,400.00 851,200.00 818,600.00

25,000.00 25,000.00 25,000.00 25,000.00 25,000.00 25,000.00 25,000.00
12,500.00 12,500.00 12,500.00 12,500.00 12,500.00 12,500.00 12,500.00
62,500.00 62,500.00 62,500.00 62,500.00 62,500.00 62,500.00 62,500.00
6,800.00 6,800.00 6,800.00 6,800.00 6,800.00 6,800.00 6,800.00
800.00 800.00 800.00 800.00 800.00 800.00 800.00
3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00
11,250.00 13,500.00 14,250.00 14,250.00 13,500.00 14,250.00 13,500.00
- 353,000.00 - - - - -
3,209.94 3,133.27 3,056.60 2,979.94 2,903.27 2,826.60 2,749.94
8,000.00 8,000.00 8,000.00 8,000.00 8,000.00 8,000.00 8,000.00

821,459.94 1,307,833.27 1,003,106.60 997,629.94 964,403.27 986,876.60 953,449.94

128,540.06 100,000.00 100,000.00 157,370.06 200,596.73 168,123.40 176,550.06

100,000.00 100,000.00 100,000.00 100,000.00 100,000.00 100,000.00 100,000.00
100,000.00 100,000.00 100,000.00 100,000.00 100,000.00 100,000.00 100,000.00

28,540.06 - - 57,370.06 100,596.73 68,123.40 76,550.06

137,589.81 109,049.75 511,883.02 519,989.63 462,619.56 362,022.83 293,899.44

- 402,833.27 8,106.60 - - - -
28,540.06 - - 57,370.06 100,596.73 68,123.40 76,550.06
109,049.75 511,883.02 519,989.63 462,619.56 362,022.83 293,899.44 217,349.38
March

100,000.00
110,000.00
905,000.00
-
1,115,000.00

774,600.00
25,000.00 25,000.00
12,500.00 12,500.00
62,500.00 62,500.00
6,800.00 3,400.00
800.00 800.00
3,000.00 3,000.00
12,750.00
-
2,673.27 2,596.60
8,000.00

908,623.27

206,376.73
100,000.00
100,000.00

106,376.73

217,349.38
-
106,376.73
110,972.65