Updated As on 3/9/2019

ASSET Liability
S.N Item Cost Value Market Value Item Amount
1 Home 50,000,000 120,000,000 Personal Loan 400,000
2 Vehicles 7,000,000 4,000,000 vehicles loan 2,000,000
3 Rental income 500,000 500,000
4 lands 10,000,000 10,000,000
5 Stocks 100,000 100,000
6 Saving Account 100,000 100,000
7 FD 1,000,000 1,000,000
8
9
10
11
12
Net Asset 68,700,000 135,700,000 Net Liability 2,400,000
Networth 133,300,000
Sn
Year
Age-Puneet
Age-Child
CashINflow 107% 3,998,519
Daughter(Edu/Marg)
Daughter(Insurance)
Self-Insurance
Self-Investment
### 31 32 33 34
### 2018 2019 2020 2021
### 30 31 32 33
4 5 6 7
### 766,800 1,200,000 1,320,000 1,452,000
500,000 600,000 720,000 864,000
100,000 100,000 100,000 100,000
100,000 100,000 100,000 100,000
1,000,000 1,000,000 1,000,000
 35 36 37 38 39 40 41 42
2022 2023 2024 2025 2026 2027 2028 2029
34 35 36 37 38 39 40 41
8 9 10 11 12 13 14 15
1,597,200 1,756,920 1,932,612 2,125,873 2,338,461 2,572,307 2,829,537 3,346,041
1,036,800 1,244,160 1,492,992 1,791,590 2,149,908 2,579,890 3,095,868 3,715,042
100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000
100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000
1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000
 43 44 45 46 47 48 49
2030 2031 2032 2033 2034 2035 2036
42 43 44 45 46 47 48
16 17 18 19 20 21 22
3,423,740 3,766,114 4,142,725 7,056,998 5,012,698 5,513,968 7,354,515
4,458,050 5,349,660 6,419,592 7,703,511 9,244,213 11,093,056 13,311,667
100,000 100,000 100,000 100,000
100,000 100,000 100,000 100,000
1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000
 50 51 52 53 54 55 56
2037 2038 2039 2040 2041 2042 2043
49 50 51 52 53 54 55
23 24 25 26 27 28 29
6,863,098 7,530,288 191,197 191,197 191,197 191,197 191,197
15,974,000 19,168,800 23,002,560 27,603,072

1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000

 57 58 59 60 61 62 63 64
2044 2045 2046 2047 2048 2049 2050 2051
56 57 58 59 60 61 62 63
30 31 32 33 34 35 36 37
191,197 191,197 191,197 191,197 191,197 191,197 191,197 191,197
10,000,000

1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000

 65
2052
64
38
191,197

1,000,000
 Money Back (93)
Year Preminum/INV Prem. At maturity Return
Total Money 192,140 323,550
Age NPV 96,093 1,624 94,527
16 2002 7,390 - -
17 2003 7,390 - -
18 2004 7,390 - -
19 2005 7,390 - -
20 2006 7,390 - -
21 2007 7,390 - 22,500
22 2008 7,390 - -
23 2009 7,390 - - Age
24 2010 7,390 - - 24
25 2011 7,390 - - 25
26 2012 7,390 - 22,500 26
27 2013 7,390 - - 27
28 2014 7,390 - - 28
29 2015 7,390 - - 29
30 2016 7,390 - - 30
31 2017 7,390 - 22,500 31
32 2018 7,390 - - 32
33 2019 7,390 - - 33
34 2020 7,390 - - 34
35 2021 7,390 - - 35
36 2022 7,390 - 22,500 36
37 2023 7,390 - - 37
38 2024 7,390 - - 38
39 2025 7,390 - - 39
40 2026 7,390 - - 40
41 2027 7,390 7,390 233,550 41
42
43
44
45
46
47
48
49
 Jeevan Saral(165) Jeevan
Year Preminum/INV Prem. At maturity Return Year

Total Money 500,500 1,187,830 Total Money

NPV 255,923 4,660 276,763 Age NPV
2012 20,020 - - 24 2012
2013 20,020 - - 25 2013
2014 20,020 - - 26 2014
2015 20,020 - - 27 2015
2016 20,020 - - 28 2016
2017 20,020 - - 29 2017
2018 20,020 - - 30 2018
2019 20,020 - - 31 2019
2020 20,020 - - 32 2020
2021 20,020 - - 33 2021
2022 20,020 - - 34 2022
2023 20,020 - - 35 2023
2024 20,020 - - 36 2024
2025 20,020 - - 37 2025
2026 20,020 - - 38 2026
2027 20,020 - - 39 2027
2028 20,020 - - 40 2028
2029 20,020 - - 41 2029
2030 20,020 - - 42 2030
2031 20,020 - - 43 2031
2032 20,020 - - 44 2032
2033 20,020 - - 45 2033
2034 20,020 - - 46 2034
2035 20,020 - - 47 2035
2036 20,020 20,000 1,187,830 48 2036
49 2037
50 2038
51 2039
52 2040
53 2041
54 2042
55 2043
56 2044
57 2045
 58 2046
59 2047
60 2048
61 2049
62 2050
63 2051
64 2052
65 2053
66 2054
67 2055
68 2056
69 2057
70 2058
71 2059
72 2060
73 2061
74 2062
75 2063
76 2064
77 2065
78 2066
79 2067
80 2068
81 2069
82 2070
83 2071
84 2072
85 2073
86 2074
87 2075
88 2076
89 2077
90 2078
91 2079
92 2080
93 2081
94 2082
95 2083
96 2084
97 2085
98 2086
99 2087
100
 Jeevan Anand(149)
Preminum/INV Prem. At maturity Return

500,500 6,409,889
255,923 4,665 388,484
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 - - 233,550
20,020 - -
20,020 - -
20,020 - -
20,020 - -
20,020 20,020 101,321
101,321
101,321 1,289,151
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
 101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
101,321 101,321
1,141,197 101,321
101,321
 Year Discount Rate (10%) 2019 2020
Age NPV 31 32
Annual Appraisal 10% Income 21,818,182 1,200,000 1,320,000
Insurance-Self 49,499 49,499
Annual Appraisal 7% Other expenses 14,758,377 360,000 385,200

Total Expenses 5,503,514 409,499 434,699

Savings 16,314,667 790,501 885,301
66% 67%

Total Amount 5,503,514

to be insured
 2021 2022 2023 2024 2025 2026 2027
33 34 35 36 37 38 39
1,452,000 1,597,200 1,756,920 1,932,612 2,125,873 2,338,461 2,572,307
49,499 49,499 49,499 49,499 49,499 49,499 49,499
412,164 441,015 471,887 504,919 540,263 578,081 618,547

461,663 490,514 521,386 554,418 589,762 627,580 668,046

990,337 1,106,686 1,235,534 1,378,194 1,536,111 1,710,880 1,904,261
68% 69% 70% 71% 72% 73% 74%
2028 2029 2030 2031 2032 2033 2034
40 41 42 43 44 45 46
2,829,537 3,112,491 3,423,740 3,766,114 4,142,725 4,556,998 5,012,698
49,499 49,499 49,499 49,499 49,499 49,499 49,499
661,845 708,174 757,747 810,789 867,544 928,272 993,251

711,344 757,673 807,246 860,288 917,043 977,771 1,042,750

2,118,193 2,354,817 2,616,494 2,905,826 3,225,682 3,579,227 3,969,947
75% 76% 76% 77% 78% 79% 79%
 2035 2036 2037 2038
47 48 49 50
5,513,968 6,065,364 6,671,901 7,339,091
49,499 49,499
1,062,779 1,137,173 1,216,776 1,301,950

1,112,278 1,186,672 1,216,776 1,301,950

4,401,690 4,878,692 5,455,125 6,037,141
80% 80% 82% 82%
 Year Discount Rate (10%) 2019 2020
My Age NPV 31 32
My Dayghter Age 4 5
My Spouse Age 29 30
Income 22,790,067 1,200,000 1,320,000
Daughter(Edu/Marg) 600,000 720,000
Daughter(Insurance) 1,300,000 100,000 100,000
House hold 9,838,918 240,000 256,800
-

Total Need 11,138,918 940,000 1,076,800

Total Amount to be
insured 11,138,918
78,333 89,733
 2021 2022 2023 2024 2025 2026 2027 2028
33 34 35 36 37 38 39 40
6 7 8 9 10 11 12 13
31 32 33 34 35 36 37 38
1,452,000 1,597,200 1,756,920 1,932,612 2,125,873 2,338,461 2,572,307 2,829,537
864,000 1,036,800 1,244,160 1,492,992 1,791,590 2,149,908 2,579,890 3,095,868
100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000
274,776 294,010 314,591 336,612 360,175 385,388 412,365 441,230

1,238,776 1,430,810 1,658,751 1,929,604 2,251,766 2,635,296 3,092,255 3,637,098

103,231 119,234 138,229 160,800 187,647 219,608 257,688 303,092

 2029 2030 2031 2032 2033 2034 2035 2036
41 42 43 44 45 46 47 48
14 15 16 17 18 19 20 21
39 40 41 42 43 44 45 46
3,346,041 3,423,740 3,766,114 4,142,725 7,056,998 5,012,698 5,513,968 7,354,515
3,715,042 4,458,050 5,349,660 6,419,592 7,703,511 9,244,213 11,093,056 13,311,667
100,000 100,000 100,000 100,000 100,000 - - -
472,116 505,164 540,526 578,363 618,848 662,168 708,519 758,116

4,287,158 5,063,215 5,990,186 7,097,955 8,422,359 9,906,381 11,801,575 14,069,782

357,263 421,935 499,182 591,496 701,863 825,532 983,465 1,172,482

 2037 2038 2039 2040 2041 2042 2043 2044
49 50 51 52 53 54 55 56
22 23 24 25 26 27 28 29
47 48 49 50 51 52 53 54
6,863,098 7,530,288 191,197 191,197 191,197 191,197 191,197 191,197
15,974,000 19,168,800 23,002,560 27,603,072 - - - -
- - - - - - - -
811,184 867,967 928,724 993,735 1,063,296 1,137,727 1,217,368 1,302,584

16,785,184 20,036,767 23,931,284 28,596,807 1,063,296 1,137,727 1,217,368 1,302,584

1,398,765 1,669,731 1,994,274 2,383,067 88,608 94,811 101,447 108,549

 2045 2046 2047 2048 2049 2050 2051 2052
57 58 59 60 61 62 63 64
30 31 32 33 34 35 36 37
55 56 57 58 59 60 61 62
191,197 191,197 191,197 191,197 191,197 191,197 191,197 191,197
- 10,000,000

1,393,765 1,491,328 1,595,721 1,707,422 1,826,941 1,954,827 2,091,665 2,238,082

1,393,765 11,491,328 1,595,721 1,707,422 1,826,941 1,954,827 2,091,665 2,238,082

116,147 957,611 132,977 142,285 152,245 162,902 174,305 186,507

2053
65
38
63
-

###

###
 Net Asset 135,700,000
Daughter's marriage and Education fund 10,000,000
Expected Funds Emergency Fund 3,000,000
Final Expenses 100,000
Net Liability 2,400,000
Total Deduction 15,500,000
Capital Available for producing income 120,200,000

Monthly expense required for 1 month 70,000

Post My Untimely Death Yearly expense required for 1 month 840,000
Capital Required to Produce above yearly 10,500,000
income for Perpetuity@ 8% Rate
capital Available to produce Income 120,200,000
Amount Required for insurance (109,700,000)

Total Amount to be insured (109,700,000)

 ASSET Liability
S.N Item Cost Value Market Value Item
1 Home 50,000,000 120,000,000 Personal Loan
2 Vehicles 7,000,000 4,000,000 vehicles loan
3 Rental income 500,000 500,000
4 lands 10,000,000 10,000,000
5 Stocks 100,000 100,000
6 Saving Account 100,000 100,000
7 FD 1,000,000 1,000,000
8
9

10
11
12
Net Asset 68,700,000 135,700,000 Net Liability
Networth
Liability
Amount
400,000
2,000,000

2,400,000
133,300,000