Please download this sheet and then make changes in it.

This is for everyone, so don't make any changes directly in the she
Note About Taxes - Click here
Here are some tips to use this toolkit

STEP 1
Check the sheet Budgeting and Expense Management

The success of your investment journey depends on how well you manage your expenses
That's why Budgeting is the FIRST step of your financial planning journey
You need to break down your expenses into
-NEEDS
-WANTS

NEEDS are things that are essential for our survival

WANTS are things we buy to make our life a little worthwhile, but aren't really necessary for survival

The best way to BUILD a portfolio is to limit your expenses and invest your funds
We don't mean live like a monk, but enjoy your life without splurging unnecessarily

STEP 2
Check the sheet 35 year investment plan

This is an investment plan broken down into different investment options. We have considered an income amount that is so
The more you increase your income, the more you can invest, and grow your corpus.
We have assumed you start working at 20 years, and retire at 55 years
Remember one important thing
Invest and then don't redeem unless you need the funds. Giving time to your investments to grow is essential to compounding

STEP 3
Check the sheet Returns

This sheet mainly talks about the return on your investments based on their maturities
PPF has an initial lock in period of 15 years. It can then be renewed for 5 years at a time.
EPF will only mature once you retire at 55 years.
We have shown calculations for both

Mutual fund returns and NPS returns have been calculated using calculators that we have given links to in the sheet Calculato
We have separate calculations adjusting the returns for inflation

Check the sheet Bad Loans

This sheet looks at a few Bad Loans

Bad loans are those that do not leave you with an asset. But you have to pay interest on it.
Paying interest on a loan reduces the amount you can invest for yourself.
However, some loans that help you acquire an asset are still good loans

A note about Income Taxes in this workbook:

As of now, if your income is below Rs. 2,50,000, there are no taxes on it.
If your income is between Rs. 2,50,000 and Rs. 5,00,000, you will have to file your return but not pay any tax
As per our Income Calculations, the income is below Rs. 5,00,000
You will also get some benefit for investing in Health Insurance
So, in this workbook, you will not have to pay any Income taxes for the 40 years
If your income increases, taxes will increase
ges directly in the sheet

Budgeting

35 Year Investment Plan

ome amount that is something many people begin their job lives with.

ential to compounding

Returns

in the sheet Calculators

Bad Loans
Budgeting - The key to financial planning

Remember this:
Income - Investments = Expenses

This way, you will always have enough money to save for the future

Watch this video on Budgeting that simplifies Budgeting

Kakeibo - a japanese trick TO MAKE YOU RICH | Personal finance series by Abhi and Niyu - YouTube
(video in English)
यदि आप पैसा बचाना चाहते हैं, तो आपको यह जानना होगा कि आप इसे कहां खर्च कर रहे हैं

The 1st Step of Financial Planning is knowing your expenses

NEEDS
WANTS

NEEDS include expenses like:

> Rent
> Food
> Electricity
> Internet
> Medicines / Health and wellness related spends
> Clothes

WANTS include expenses like:

> Watching a movie
> Travelling
> Eating meals in a restaurant or ordering in
> Buying things you don't really need

You can't be a monk and only spend on NEEDS. WANTS make life fun.
But you need to limit what you spend on WANTS
For that, you need to make a list of your wants.

अपने भविष्य के खर्चों को पूरा करने के लिए आज आपको अपने खर्चों पर नियंत्रण रखना होगा

Use THIS FREE PRINTABLE to write down your expenses

अपने खर्चों को लिखने के लिए इस Free PDF का उपयोग करें
d Niyu - YouTube

kakeibo-mindful-japanese-budgeting.combined.1a-min.pdf (credit.com)
kakeibo-mindful-japanese-budgeting.combined.1a-min.pdf (credit.com)
35 Year Investment Plan Click here to read a note for investments at the end of 35 years
Now, if you increase your investments, your corpus will increase. We have also assumed you will not sell any investment and w
Year Month Number Monthly Income Health Insurance Emergency Fund
1 1 ₹ 20,000 ₹ 600 ₹ 6,000
1 2 ₹ 20,000 ₹ 600 ₹ 6,000
1 3 ₹ 20,000 ₹ 600 ₹ 6,000
1 4 ₹ 20,000 ₹ 600 ₹ 6,000
1 5 ₹ 20,000 ₹ 600 ₹ 6,000
1 6 ₹ 20,000 ₹ 600 ₹ 6,000
1 7 ₹ 20,000 ₹ 600 ₹ 6,000
1 8 ₹ 20,000 ₹ 600 ₹ 6,000
1 9 ₹ 20,000 ₹ 600 ₹ 6,000
1 10 ₹ 20,000 ₹ 600 ₹ 6,000
1 11 ₹ 20,000 ₹ 600 ₹ 6,000
1 12 ₹ 20,000 ₹ 600 ₹ 6,000
Totals ₹ 240,000 ₹ 7,200 ₹ 72,000

2 13 ₹ 21,000 ₹ 675 ₹ 1,000

2 14 ₹ 21,000 ₹ 675 ₹ 1,000
2 15 ₹ 21,000 ₹ 675 ₹ 1,000
2 16 ₹ 21,000 ₹ 675 ₹ 1,000
2 17 ₹ 21,000 ₹ 675 ₹ 1,000
2 18 ₹ 21,000 ₹ 675 ₹ 1,000
2 19 ₹ 21,000 ₹ 675 ₹ 1,000
2 20 ₹ 21,000 ₹ 675 ₹ 1,000
2 21 ₹ 21,000 ₹ 675 ₹ 1,000
2 22 ₹ 21,000 ₹ 675 ₹ 1,000
2 23 ₹ 21,000 ₹ 675 ₹ 1,000
2 24 ₹ 21,000 ₹ 675 ₹ 1,000
Totals ₹ 252,000 ₹ 8,100 ₹ 12,000

3 25 ₹ 22,000 ₹ 700 ₹ 1,000

3 26 ₹ 22,000 ₹ 700 ₹ 1,000
3 27 ₹ 22,000 ₹ 700 ₹ 1,000
3 28 ₹ 22,000 ₹ 700 ₹ 1,000
3 29 ₹ 22,000 ₹ 700 ₹ 1,000
3 30 ₹ 22,000 ₹ 700 ₹ 1,000
3 31 ₹ 22,000 ₹ 700 ₹ 1,000
3 32 ₹ 22,000 ₹ 700 ₹ 1,000
3 33 ₹ 22,000 ₹ 700 ₹ 1,000
3 34 ₹ 22,000 ₹ 700 ₹ 1,000
3 35 ₹ 22,000 ₹ 700 ₹ 1,000
3 36 ₹ 22,000 ₹ 700 ₹ 1,000
 Totals ₹ 264,000 ₹ 8,400 ₹ 12,000

4 37 ₹ 23,000 ₹ 750 ₹ 1,000

4 38 ₹ 23,000 ₹ 750 ₹ 1,000
4 39 ₹ 23,000 ₹ 750 ₹ 1,000
4 40 ₹ 23,000 ₹ 750 ₹ 1,000
4 41 ₹ 23,000 ₹ 750 ₹ 1,000
4 42 ₹ 23,000 ₹ 750 ₹ 1,000
4 43 ₹ 23,000 ₹ 750 ₹ 1,000
4 44 ₹ 23,000 ₹ 750 ₹ 1,000
4 45 ₹ 23,000 ₹ 750 ₹ 1,000
4 46 ₹ 23,000 ₹ 750 ₹ 1,000
4 47 ₹ 23,000 ₹ 750 ₹ 1,000
4 48 ₹ 23,000 ₹ 750 ₹ 1,000
Totals ₹ 276,000 ₹ 9,000 ₹ 12,000

5 49 ₹ 23,000 ₹ 750 ₹ 1,000

5 50 ₹ 23,000 ₹ 750 ₹ 1,000
5 51 ₹ 23,000 ₹ 750 ₹ 1,000
5 52 ₹ 23,000 ₹ 750 ₹ 1,000
5 53 ₹ 23,000 ₹ 750 ₹ 1,000
5 54 ₹ 23,000 ₹ 750 ₹ 1,000
5 55 ₹ 23,000 ₹ 750 ₹ 1,000
5 56 ₹ 23,000 ₹ 750 ₹ 1,000
5 57 ₹ 23,000 ₹ 750 ₹ 1,000
5 58 ₹ 23,000 ₹ 750 ₹ 1,000
5 59 ₹ 23,000 ₹ 750 ₹ 1,000
5 60 ₹ 23,000 ₹ 750 ₹ 1,000
Totals ₹ 276,000 ₹ 9,000 ₹ 12,000

6 61 ₹ 24,000 ₹ 800 ₹ 1,000

6 62 ₹ 24,000 ₹ 800 ₹ 1,000
6 63 ₹ 24,000 ₹ 800 ₹ 1,000
6 64 ₹ 24,000 ₹ 800 ₹ 1,000
6 65 ₹ 24,000 ₹ 800 ₹ 1,000
6 66 ₹ 24,000 ₹ 800 ₹ 1,000
6 67 ₹ 24,000 ₹ 800 ₹ 1,000
6 68 ₹ 24,000 ₹ 800 ₹ 1,000
6 69 ₹ 24,000 ₹ 800 ₹ 1,000
6 70 ₹ 24,000 ₹ 800 ₹ 1,000
6 71 ₹ 24,000 ₹ 800 ₹ 1,000
6 72 ₹ 24,000 ₹ 800 ₹ 1,000
 Totals ₹ 288,000 ₹ 9,600 ₹ 12,000

7 73 ₹ 25,000 ₹ 850 ₹ 1,000

7 74 ₹ 25,000 ₹ 850 ₹ 1,000
7 75 ₹ 25,000 ₹ 850 ₹ 1,000
7 76 ₹ 25,000 ₹ 850 ₹ 1,000
7 77 ₹ 25,000 ₹ 850 ₹ 1,000
7 78 ₹ 25,000 ₹ 850 ₹ 1,000
7 79 ₹ 25,000 ₹ 850 ₹ 1,000
7 80 ₹ 25,000 ₹ 850 ₹ 1,000
7 81 ₹ 25,000 ₹ 850 ₹ 1,000
7 82 ₹ 25,000 ₹ 850 ₹ 1,000
7 83 ₹ 25,000 ₹ 850
7 84 ₹ 25,000 ₹ 850
Totals ₹ 300,000 ₹ 10,200 ₹ 10,000

8 85 ₹ 25,000 ₹ 900 ₹0
8 86 ₹ 25,000 ₹ 900 ₹0
8 87 ₹ 25,000 ₹ 900 ₹0
8 88 ₹ 25,000 ₹ 900 ₹0
8 89 ₹ 25,000 ₹ 900 ₹0
8 90 ₹ 25,000 ₹ 900 ₹0
8 91 ₹ 25,000 ₹ 900 ₹0
8 92 ₹ 25,000 ₹ 900 ₹0
8 93 ₹ 25,000 ₹ 900 ₹0
8 94 ₹ 25,000 ₹ 900 ₹0
8 95 ₹ 25,000 ₹ 900 ₹0
8 96 ₹ 25,000 ₹ 900 ₹0
Totals ₹ 300,000 ₹ 10,800 ₹0

9 97 ₹ 25,000 ₹ 950
9 98 ₹ 25,000 ₹ 950
9 99 ₹ 25,000 ₹ 950
9 100 ₹ 25,000 ₹ 950
9 101 ₹ 25,000 ₹ 950
9 102 ₹ 25,000 ₹ 950
9 103 ₹ 25,000 ₹ 950
9 104 ₹ 25,000 ₹ 950
9 105 ₹ 25,000 ₹ 950
9 106 ₹ 25,000 ₹ 950
9 107 ₹ 25,000 ₹ 950
9 108 ₹ 25,000 ₹ 950
 Totals ₹ 300,000 ₹ 11,400 ₹0

10 109 ₹ 26,000 ₹ 1,000

10 110 ₹ 26,000 ₹ 1,000
10 111 ₹ 26,000 ₹ 1,000
10 112 ₹ 26,000 ₹ 1,000
10 113 ₹ 26,000 ₹ 1,000
10 114 ₹ 26,000 ₹ 1,000
10 115 ₹ 26,000 ₹ 1,000
10 116 ₹ 26,000 ₹ 1,000
10 117 ₹ 26,000 ₹ 1,000
10 118 ₹ 26,000 ₹ 1,000
10 119 ₹ 26,000 ₹ 1,000
10 120 ₹ 26,000 ₹ 1,000
Totals ₹ 312,000 ₹ 12,000 ₹0

11 121 ₹ 26,000 ₹ 1,050

11 122 ₹ 26,000 ₹ 1,050
11 123 ₹ 26,000 ₹ 1,050
11 124 ₹ 26,000 ₹ 1,050
11 125 ₹ 26,000 ₹ 1,050
11 126 ₹ 26,000 ₹ 1,050
11 127 ₹ 26,000 ₹ 1,050
11 128 ₹ 26,000 ₹ 1,050
11 129 ₹ 26,000 ₹ 1,050
11 130 ₹ 26,000 ₹ 1,050
11 131 ₹ 26,000 ₹ 1,050
11 132 ₹ 26,000 ₹ 1,050
Totals ₹ 312,000 ₹ 12,600 ₹0

12 133 ₹ 27,000 ₹ 1,100

12 134 ₹ 27,000 ₹ 1,100
12 135 ₹ 27,000 ₹ 1,100
12 136 ₹ 27,000 ₹ 1,100
12 137 ₹ 27,000 ₹ 1,100
12 138 ₹ 27,000 ₹ 1,100
12 139 ₹ 27,000 ₹ 1,100
12 140 ₹ 27,000 ₹ 1,100
12 141 ₹ 27,000 ₹ 1,100
12 142 ₹ 27,000 ₹ 1,100
12 143 ₹ 27,000 ₹ 1,100
12 144 ₹ 27,000 ₹ 1,100
 Totals ₹ 324,000 ₹ 13,200 ₹0

13 145 ₹ 27,000 ₹ 1,150

13 146 ₹ 27,000 ₹ 1,150
13 147 ₹ 27,000 ₹ 1,150
13 148 ₹ 27,000 ₹ 1,150
13 149 ₹ 27,000 ₹ 1,150
13 150 ₹ 27,000 ₹ 1,150
13 151 ₹ 27,000 ₹ 1,150
13 152 ₹ 27,000 ₹ 1,150
13 153 ₹ 27,000 ₹ 1,150
13 154 ₹ 27,000 ₹ 1,150
13 155 ₹ 27,000 ₹ 1,150
13 156 ₹ 27,000 ₹ 1,150
Totals ₹ 324,000 ₹ 13,800 ₹0

14 157 ₹ 28,000 ₹ 1,200

14 158 ₹ 28,000 ₹ 1,200
14 159 ₹ 28,000 ₹ 1,200
14 160 ₹ 28,000 ₹ 1,200
14 161 ₹ 28,000 ₹ 1,200
14 162 ₹ 28,000 ₹ 1,200
14 163 ₹ 28,000 ₹ 1,200
14 164 ₹ 28,000 ₹ 1,200
14 165 ₹ 28,000 ₹ 1,200
14 166 ₹ 28,000 ₹ 1,200
14 167 ₹ 28,000 ₹ 1,200
14 168 ₹ 28,000 ₹ 1,200
Totals ₹ 336,000 ₹ 14,400 ₹0

15 169 ₹ 28,000 ₹ 1,250 ₹ 500

15 170 ₹ 28,000 ₹ 1,250 ₹ 500
15 171 ₹ 28,000 ₹ 1,250 ₹ 500
15 172 ₹ 28,000 ₹ 1,250 ₹ 500
15 173 ₹ 28,000 ₹ 1,250 ₹ 500
15 174 ₹ 28,000 ₹ 1,250 ₹ 500
15 175 ₹ 28,000 ₹ 1,250 ₹ 500
15 176 ₹ 28,000 ₹ 1,250 ₹ 500
15 177 ₹ 28,000 ₹ 1,250 ₹ 500
15 178 ₹ 28,000 ₹ 1,250 ₹ 500
15 179 ₹ 28,000 ₹ 1,250 ₹ 500
15 180 ₹ 28,000 ₹ 1,250 ₹ 500
 Totals ₹ 336,000 ₹ 15,000 ₹ 6,000

16 181 ₹ 29,000 ₹ 1,300 ₹ 500

16 182 ₹ 29,000 ₹ 1,300 ₹ 500
16 183 ₹ 29,000 ₹ 1,300 ₹ 500
16 184 ₹ 29,000 ₹ 1,300 ₹ 500
16 185 ₹ 29,000 ₹ 1,300 ₹ 500
16 186 ₹ 29,000 ₹ 1,300 ₹ 500
16 187 ₹ 29,000 ₹ 1,300 ₹ 500
16 188 ₹ 29,000 ₹ 1,300 ₹ 500
16 189 ₹ 29,000 ₹ 1,300 ₹ 500
16 190 ₹ 29,000 ₹ 1,300 ₹ 500
16 191 ₹ 29,000 ₹ 1,300 ₹ 500
16 192 ₹ 29,000 ₹ 1,300 ₹ 500
Totals ₹ 348,000 ₹ 15,600 ₹ 6,000

17 193 ₹ 29,000 ₹ 1,350

17 194 ₹ 29,000 ₹ 1,350
17 195 ₹ 29,000 ₹ 1,350
17 196 ₹ 29,000 ₹ 1,350
17 197 ₹ 29,000 ₹ 1,350
17 198 ₹ 29,000 ₹ 1,350
17 199 ₹ 29,000 ₹ 1,350
17 200 ₹ 29,000 ₹ 1,350
17 201 ₹ 29,000 ₹ 1,350
17 202 ₹ 29,000 ₹ 1,350
17 203 ₹ 29,000 ₹ 1,350
17 204 ₹ 29,000 ₹ 1,350
Totals ₹ 348,000 ₹ 16,200 ₹0

18 205 ₹ 30,000 ₹ 1,400

18 206 ₹ 30,000 ₹ 1,400
18 207 ₹ 30,000 ₹ 1,400
18 208 ₹ 30,000 ₹ 1,400
18 209 ₹ 30,000 ₹ 1,400
18 210 ₹ 30,000 ₹ 1,400
18 211 ₹ 30,000 ₹ 1,400
18 212 ₹ 30,000 ₹ 1,400
18 213 ₹ 30,000 ₹ 1,400
18 214 ₹ 30,000 ₹ 1,400
18 215 ₹ 30,000 ₹ 1,400
18 216 ₹ 30,000 ₹ 1,400
 Totals ₹ 360,000 ₹ 16,800 ₹0

19 217 ₹ 30,000 ₹ 1,450

19 218 ₹ 30,000 ₹ 1,450
19 219 ₹ 30,000 ₹ 1,450
19 220 ₹ 30,000 ₹ 1,450
19 221 ₹ 30,000 ₹ 1,450
19 222 ₹ 30,000 ₹ 1,450
19 223 ₹ 30,000 ₹ 1,450
19 224 ₹ 30,000 ₹ 1,450
19 225 ₹ 30,000 ₹ 1,450
19 226 ₹ 30,000 ₹ 1,450
19 227 ₹ 30,000 ₹ 1,450
19 228 ₹ 30,000 ₹ 1,450
Totals ₹ 360,000 ₹ 17,400 ₹0

20 229 ₹ 31,000 ₹ 1,500

20 230 ₹ 31,000 ₹ 1,500
20 231 ₹ 31,000 ₹ 1,500
20 232 ₹ 31,000 ₹ 1,500
20 233 ₹ 31,000 ₹ 1,500
20 234 ₹ 31,000 ₹ 1,500
20 235 ₹ 31,000 ₹ 1,500
20 236 ₹ 31,000 ₹ 1,500
20 237 ₹ 31,000 ₹ 1,500
20 238 ₹ 31,000 ₹ 1,500
20 239 ₹ 31,000 ₹ 1,500
20 240 ₹ 31,000 ₹ 1,500
Totals ₹ 372,000 ₹ 18,000 ₹0

21 241 ₹ 31,000 ₹ 1,550

21 242 ₹ 31,000 ₹ 1,550
21 243 ₹ 31,000 ₹ 1,550
21 244 ₹ 31,000 ₹ 1,550
21 245 ₹ 31,000 ₹ 1,550
21 246 ₹ 31,000 ₹ 1,550
21 247 ₹ 31,000 ₹ 1,550
21 248 ₹ 31,000 ₹ 1,550
21 249 ₹ 31,000 ₹ 1,550
21 250 ₹ 31,000 ₹ 1,550
21 251 ₹ 31,000 ₹ 1,550
21 252 ₹ 31,000 ₹ 1,550
 Totals ₹ 372,000 ₹ 18,600 ₹0

22 253 ₹ 32,000 ₹ 1,600

22 254 ₹ 32,000 ₹ 1,600
22 255 ₹ 32,000 ₹ 1,600
22 256 ₹ 32,000 ₹ 1,600
22 257 ₹ 32,000 ₹ 1,600
22 258 ₹ 32,000 ₹ 1,600
22 259 ₹ 32,000 ₹ 1,600
22 260 ₹ 32,000 ₹ 1,600
22 261 ₹ 32,000 ₹ 1,600
22 262 ₹ 32,000 ₹ 1,600
22 263 ₹ 32,000 ₹ 1,600
22 264 ₹ 32,000 ₹ 1,600
Totals ₹ 384,000 ₹ 19,200 ₹0

23 265 ₹ 32,000 ₹ 1,650

23 266 ₹ 32,000 ₹ 1,650
23 267 ₹ 32,000 ₹ 1,650
23 268 ₹ 32,000 ₹ 1,650
23 269 ₹ 32,000 ₹ 1,650
23 270 ₹ 32,000 ₹ 1,650
23 271 ₹ 32,000 ₹ 1,650
23 272 ₹ 32,000 ₹ 1,650
23 273 ₹ 32,000 ₹ 1,650
23 274 ₹ 32,000 ₹ 1,650
23 275 ₹ 32,000 ₹ 1,650
23 276 ₹ 32,000 ₹ 1,650
Totals ₹ 384,000 ₹ 19,800 ₹0

24 277 ₹ 33,000 ₹ 1,700

24 278 ₹ 33,000 ₹ 1,700
24 279 ₹ 33,000 ₹ 1,700
24 280 ₹ 33,000 ₹ 1,700
24 281 ₹ 33,000 ₹ 1,700
24 282 ₹ 33,000 ₹ 1,700
24 283 ₹ 33,000 ₹ 1,700
24 284 ₹ 33,000 ₹ 1,700
24 285 ₹ 33,000 ₹ 1,700
24 286 ₹ 33,000 ₹ 1,700
24 287 ₹ 33,000 ₹ 1,700
24 288 ₹ 33,000 ₹ 1,700
 Totals ₹ 396,000 ₹ 20,400 ₹0

25 289 ₹ 33,000 ₹ 1,750

25 290 ₹ 33,000 ₹ 1,750
25 291 ₹ 33,000 ₹ 1,750
25 292 ₹ 33,000 ₹ 1,750
25 293 ₹ 33,000 ₹ 1,750
25 294 ₹ 33,000 ₹ 1,750
25 295 ₹ 33,000 ₹ 1,750
25 296 ₹ 33,000 ₹ 1,750
25 297 ₹ 33,000 ₹ 1,750
25 298 ₹ 33,000 ₹ 1,750
25 299 ₹ 33,000 ₹ 1,750
25 300 ₹ 33,000 ₹ 1,750
Totals ₹ 396,000 ₹ 21,000 ₹0

26 301 ₹ 34,000 ₹ 1,800

26 302 ₹ 34,000 ₹ 1,800
26 303 ₹ 34,000 ₹ 1,800
26 304 ₹ 34,000 ₹ 1,800
26 305 ₹ 34,000 ₹ 1,800
26 306 ₹ 34,000 ₹ 1,800
26 307 ₹ 34,000 ₹ 1,800
26 308 ₹ 34,000 ₹ 1,800
26 309 ₹ 34,000 ₹ 1,800
26 310 ₹ 34,000 ₹ 1,800
26 311 ₹ 34,000 ₹ 1,800
26 312 ₹ 34,000 ₹ 1,800
Totals ₹ 408,000 ₹ 21,600 ₹0

27 313 ₹ 34,000 ₹ 1,850

27 314 ₹ 34,000 ₹ 1,850
27 315 ₹ 34,000 ₹ 1,850
27 316 ₹ 34,000 ₹ 1,850
27 317 ₹ 34,000 ₹ 1,850
27 318 ₹ 34,000 ₹ 1,850
27 319 ₹ 34,000 ₹ 1,850
27 320 ₹ 34,000 ₹ 1,850
27 321 ₹ 34,000 ₹ 1,850
27 322 ₹ 34,000 ₹ 1,850
27 323 ₹ 34,000 ₹ 1,850
27 324 ₹ 34,000 ₹ 1,850
 Totals ₹ 408,000 ₹ 22,200 ₹0

28 325 ₹ 35,000 ₹ 1,900

28 326 ₹ 35,000 ₹ 1,900
28 327 ₹ 35,000 ₹ 1,900
28 328 ₹ 35,000 ₹ 1,900
28 329 ₹ 35,000 ₹ 1,900
28 330 ₹ 35,000 ₹ 1,900
28 331 ₹ 35,000 ₹ 1,900
28 332 ₹ 35,000 ₹ 1,900
28 333 ₹ 35,000 ₹ 1,900
28 334 ₹ 35,000 ₹ 1,900
28 335 ₹ 35,000 ₹ 1,900
28 336 ₹ 35,000 ₹ 1,900
Totals ₹ 420,000 ₹ 22,800 ₹0

29 337 ₹ 35,000 ₹ 1,950

29 338 ₹ 35,000 ₹ 1,950
29 339 ₹ 35,000 ₹ 1,950
29 340 ₹ 35,000 ₹ 1,950
29 341 ₹ 35,000 ₹ 1,950
29 342 ₹ 35,000 ₹ 1,950
29 343 ₹ 35,000 ₹ 1,950
29 344 ₹ 35,000 ₹ 1,950
29 345 ₹ 35,000 ₹ 1,950
29 346 ₹ 35,000 ₹ 1,950
29 347 ₹ 35,000 ₹ 1,950
29 348 ₹ 35,000 ₹ 1,950
Totals ₹ 420,000 ₹ 23,400 ₹0

30 349 ₹ 36,000 ₹ 2,000

30 350 ₹ 36,000 ₹ 2,000
30 351 ₹ 36,000 ₹ 2,000
30 352 ₹ 36,000 ₹ 2,000
30 353 ₹ 36,000 ₹ 2,000
30 354 ₹ 36,000 ₹ 2,000
30 355 ₹ 36,000 ₹ 2,000
30 356 ₹ 36,000 ₹ 2,000
30 357 ₹ 36,000 ₹ 2,000
30 358 ₹ 36,000 ₹ 2,000
30 359 ₹ 36,000 ₹ 2,000
30 360 ₹ 36,000 ₹ 2,000
 Totals ₹ 432,000 ₹ 24,000 ₹0

31 361 ₹ 36,000 ₹ 2,100

31 362 ₹ 36,000 ₹ 2,100
31 363 ₹ 36,000 ₹ 2,100
31 364 ₹ 36,000 ₹ 2,100
31 365 ₹ 36,000 ₹ 2,100
31 366 ₹ 36,000 ₹ 2,100
31 367 ₹ 36,000 ₹ 2,100
31 368 ₹ 36,000 ₹ 2,100
31 369 ₹ 36,000 ₹ 2,100
31 370 ₹ 36,000 ₹ 2,100
31 371 ₹ 36,000 ₹ 2,100
31 372 ₹ 36,000 ₹ 2,100
Totals ₹ 432,000 ₹ 25,200 ₹0

32 373 ₹ 37,000 ₹ 2,150

32 374 ₹ 37,000 ₹ 2,150
32 375 ₹ 37,000 ₹ 2,150
32 376 ₹ 37,000 ₹ 2,150
32 377 ₹ 37,000 ₹ 2,150
32 378 ₹ 37,000 ₹ 2,150
32 379 ₹ 37,000 ₹ 2,150
32 380 ₹ 37,000 ₹ 2,150
32 381 ₹ 37,000 ₹ 2,150
32 382 ₹ 37,000 ₹ 2,150
32 383 ₹ 37,000 ₹ 2,150
32 384 ₹ 37,000 ₹ 2,150
Totals ₹ 444,000 ₹ 25,800 ₹0

33 385 ₹ 37,000 ₹ 2,200

33 386 ₹ 37,000 ₹ 2,200
33 387 ₹ 37,000 ₹ 2,200
33 388 ₹ 37,000 ₹ 2,200
33 389 ₹ 37,000 ₹ 2,200
33 390 ₹ 37,000 ₹ 2,200
33 391 ₹ 37,000 ₹ 2,200
33 392 ₹ 37,000 ₹ 2,200
33 393 ₹ 37,000 ₹ 2,200
33 394 ₹ 37,000 ₹ 2,200
33 395 ₹ 37,000 ₹ 2,200
33 396 ₹ 37,000 ₹ 2,200
 Totals ₹ 444,000 ₹ 26,400 ₹0

34 397 ₹ 38,000 ₹ 2,250

34 398 ₹ 38,000 ₹ 2,250
34 399 ₹ 38,000 ₹ 2,250
34 400 ₹ 38,000 ₹ 2,250
34 401 ₹ 38,000 ₹ 2,250
34 402 ₹ 38,000 ₹ 2,250
34 403 ₹ 38,000 ₹ 2,250
34 404 ₹ 38,000 ₹ 2,250
34 405 ₹ 38,000 ₹ 2,250
34 406 ₹ 38,000 ₹ 2,250
34 407 ₹ 38,000 ₹ 2,250
34 408 ₹ 38,000 ₹ 2,250
Totals ₹ 456,000 ₹ 27,000 ₹0

35 409 ₹ 38,000 ₹ 2,300

35 410 ₹ 38,000 ₹ 2,300
35 411 ₹ 38,000 ₹ 2,300
35 412 ₹ 38,000 ₹ 2,300
35 413 ₹ 38,000 ₹ 2,300
35 414 ₹ 38,000 ₹ 2,300
35 415 ₹ 38,000 ₹ 2,300
35 416 ₹ 38,000 ₹ 2,300
35 417 ₹ 38,000 ₹ 2,300
35 418 ₹ 38,000 ₹ 2,300
35 419 ₹ 38,000 ₹ 2,300
35 420 ₹ 38,000 ₹ 2,300
Totals ₹ 456,000 ₹ 27,600 ₹0

Note for investments after 35 years:

Your mutual fund investments do not mature until you sell them. As long as you stay invested, it will continue to
PPF has a lock in of 15 years. After the initial lock in, you can renew it for 5 years without investing anything new
The interest earned on this PPF will be tax free.
EPF matures after you reach 55 years of age. At that age, you can withdraw the entire corpus. It will be tax free.
National Pension Scheme has a mandatory lock in till you are 60 years. So, you will have to continue investing in
Out of the NPS maturity, 60% can be withdrawn tax free. The balance 40% will have to be used to buy a pension
l not sell any investment and will continue to stay invested. When you stay invested, you keep earning additional income on it without doi
Mutual Fund/ Stocks PPF/EPF NPS Total investment
₹ 2,000 ₹ 2,400 ₹ 10,400
₹ 2,000 ₹ 2,400 ₹ 10,400
₹ 2,000 ₹ 2,400 ₹ 10,400
₹ 2,000 ₹ 2,400 ₹ 10,400
₹ 2,000 ₹ 2,400 ₹ 10,400
₹ 2,000 ₹ 2,400 ₹ 10,400
₹ 2,000 ₹ 2,400 ₹ 10,400
₹ 2,000 ₹ 2,400 ₹ 10,400
₹ 2,000 ₹ 2,400 ₹ 2,000 ₹ 12,400
₹ 2,000 ₹ 2,400 ₹ 2,000 ₹ 12,400
₹ 2,000 ₹ 2,400 ₹ 2,000 ₹ 12,400
₹ 2,000 ₹ 2,400 ₹ 2,000 ₹ 12,400
₹ 24,000 ₹ 28,800 ₹ 8,000 ₹ 132,800

₹ 6,000 ₹ 2,520 ₹ 500 ₹ 10,020

₹ 6,000 ₹ 2,520 ₹ 500 ₹ 10,020
₹ 6,000 ₹ 2,520 ₹ 500 ₹ 10,020
₹ 6,000 ₹ 2,520 ₹ 500 ₹ 10,020
₹ 6,000 ₹ 2,520 ₹ 500 ₹ 10,020
₹ 6,000 ₹ 2,520 ₹ 500 ₹ 10,020
₹ 6,000 ₹ 2,520 ₹ 500 ₹ 10,020
₹ 6,000 ₹ 2,520 ₹ 500 ₹ 10,020
₹ 6,000 ₹ 2,520 ₹ 500 ₹ 10,020
₹ 6,000 ₹ 2,520 ₹ 500 ₹ 10,020
₹ 6,000 ₹ 2,520 ₹ 500 ₹ 10,020
₹ 6,000 ₹ 2,520 ₹ 500 ₹ 10,020
₹ 72,000 ₹ 30,240 ₹ 6,000 ₹ 120,240

₹ 7,000 ₹ 2,640 ₹ 500 ₹ 11,140

₹ 7,000 ₹ 2,640 ₹ 500 ₹ 11,140
₹ 7,000 ₹ 2,640 ₹ 500 ₹ 11,140
₹ 7,000 ₹ 2,640 ₹ 500 ₹ 11,140
₹ 7,000 ₹ 2,640 ₹ 500 ₹ 11,140
₹ 7,000 ₹ 2,640 ₹ 500 ₹ 11,140
₹ 7,000 ₹ 2,640 ₹ 500 ₹ 11,140
₹ 7,000 ₹ 2,640 ₹ 500 ₹ 11,140
₹ 7,000 ₹ 2,640 ₹ 500 ₹ 11,140
₹ 7,000 ₹ 2,640 ₹ 500 ₹ 11,140
₹ 7,000 ₹ 2,640 ₹ 500 ₹ 11,140
₹ 7,000 ₹ 2,640 ₹ 500 ₹ 11,140
₹ 84,000 ₹ 31,680 ₹ 6,000 ₹ 133,680

₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260

₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 84,000 ₹ 33,120 ₹ 6,000 ₹ 135,120

₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260

₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 7,000 ₹ 2,760 ₹ 500 ₹ 11,260
₹ 8,000 ₹ 2,760 ₹ 500 ₹ 12,260
₹ 85,000 ₹ 33,120 ₹ 6,000 ₹ 136,120

₹ 8,000 ₹ 2,880 ₹ 500 ₹ 12,380

₹ 8,000 ₹ 2,880 ₹ 500 ₹ 12,380
₹ 8,000 ₹ 2,880 ₹ 500 ₹ 12,380
₹ 8,000 ₹ 2,880 ₹ 500 ₹ 12,380
₹ 8,000 ₹ 2,880 ₹ 500 ₹ 12,380
₹ 8,000 ₹ 2,880 ₹ 500 ₹ 12,380
₹ 8,000 ₹ 2,880 ₹ 500 ₹ 12,380
₹ 8,000 ₹ 2,880 ₹ 500 ₹ 12,380
₹ 8,000 ₹ 2,880 ₹ 500 ₹ 12,380
₹ 8,000 ₹ 2,880 ₹ 500 ₹ 12,380
₹ 8,000 ₹ 2,880 ₹ 500 ₹ 12,380
₹ 8,000 ₹ 2,880 ₹ 500 ₹ 12,380
₹ 96,000 ₹ 34,560 ₹ 6,000 ₹ 148,560

₹ 8,000 ₹ 3,000 ₹ 500 ₹ 12,500

₹ 8,000 ₹ 3,000 ₹ 500 ₹ 12,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 12,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 12,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 12,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 12,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 12,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 12,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 12,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 12,500
₹ 9,000 ₹ 3,000 ₹ 500 ₹ 12,500
₹ 9,000 ₹ 3,000 ₹ 500 ₹ 12,500
₹ 98,000 ₹ 36,000 ₹ 6,000 ₹ 150,000

₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500

₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 96,000 ₹ 36,000 ₹ 6,000 ₹ 138,000

₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500

₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
₹ 8,000 ₹ 3,000 ₹ 500 ₹ 11,500
 ₹ 96,000 ₹ 36,000 ₹ 6,000 ₹ 138,000

₹ 8,500 ₹ 3,120 ₹ 500 ₹ 12,120

₹ 8,500 ₹ 3,120 ₹ 500 ₹ 12,120
₹ 8,500 ₹ 3,120 ₹ 500 ₹ 12,120
₹ 8,500 ₹ 3,120 ₹ 500 ₹ 12,120
₹ 8,500 ₹ 3,120 ₹ 500 ₹ 12,120
₹ 8,500 ₹ 3,120 ₹ 500 ₹ 12,120
₹ 8,500 ₹ 3,120 ₹ 500 ₹ 12,120
₹ 8,500 ₹ 3,120 ₹ 500 ₹ 12,120
₹ 8,500 ₹ 3,120 ₹ 500 ₹ 12,120
₹ 8,500 ₹ 3,120 ₹ 500 ₹ 12,120
₹ 8,500 ₹ 3,120 ₹ 500 ₹ 12,120
₹ 8,500 ₹ 3,120 ₹ 500 ₹ 12,120
₹ 102,000 ₹ 37,440 ₹ 6,000 ₹ 145,440

₹ 9,000 ₹ 3,120 ₹ 500 ₹ 12,620

₹ 9,000 ₹ 3,120 ₹ 500 ₹ 12,620
₹ 9,000 ₹ 3,120 ₹ 500 ₹ 12,620
₹ 9,000 ₹ 3,120 ₹ 500 ₹ 12,620
₹ 9,000 ₹ 3,120 ₹ 500 ₹ 12,620
₹ 9,000 ₹ 3,120 ₹ 500 ₹ 12,620
₹ 9,000 ₹ 3,120 ₹ 500 ₹ 12,620
₹ 9,000 ₹ 3,120 ₹ 500 ₹ 12,620
₹ 9,000 ₹ 3,120 ₹ 500 ₹ 12,620
₹ 9,000 ₹ 3,120 ₹ 500 ₹ 12,620
₹ 9,000 ₹ 3,120 ₹ 500 ₹ 12,620
₹ 9,000 ₹ 3,120 ₹ 500 ₹ 12,620
₹ 108,000 ₹ 37,440 ₹ 6,000 ₹ 151,440

₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240

₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 114,000 ₹ 38,880 ₹ 6,000 ₹ 158,880

₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240

₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 9,500 ₹ 3,240 ₹ 500 ₹ 13,240
₹ 114,000 ₹ 38,880 ₹ 6,000 ₹ 158,880

₹ 10,000 ₹ 3,360 ₹ 500 ₹ 13,860

₹ 10,000 ₹ 3,360 ₹ 500 ₹ 13,860
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 13,860
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 13,860
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 13,860
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 13,860
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 13,860
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 13,860
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 13,860
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 13,860
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 13,860
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 13,860
₹ 120,000 ₹ 40,320 ₹ 6,000 ₹ 166,320

₹ 10,000 ₹ 3,360 ₹ 500 ₹ 14,360

₹ 10,000 ₹ 3,360 ₹ 500 ₹ 14,360
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 14,360
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 14,360
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 14,360
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 14,360
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 14,360
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 14,360
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 14,360
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 14,360
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 14,360
₹ 10,000 ₹ 3,360 ₹ 500 ₹ 14,360
₹ 120,000 ₹ 40,320 ₹ 6,000 ₹ 172,320

₹ 10,000 ₹ 3,480 ₹ 500 ₹ 14,480

₹ 10,000 ₹ 3,480 ₹ 500 ₹ 14,480
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 14,480
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 14,480
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 14,480
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 14,480
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 14,480
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 14,480
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 14,480
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 14,480
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 14,480
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 14,480
₹ 120,000 ₹ 41,760 ₹ 6,000 ₹ 173,760

₹ 10,000 ₹ 3,480 ₹ 500 ₹ 13,980

₹ 10,000 ₹ 3,480 ₹ 500 ₹ 13,980
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 13,980
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 13,980
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 13,980
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 13,980
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 13,980
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 13,980
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 13,980
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 13,980
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 13,980
₹ 10,000 ₹ 3,480 ₹ 500 ₹ 13,980
₹ 120,000 ₹ 41,760 ₹ 6,000 ₹ 167,760

₹ 10,000 ₹ 3,600 ₹ 500 ₹ 14,100

₹ 10,000 ₹ 3,600 ₹ 500 ₹ 14,100
₹ 10,000 ₹ 3,600 ₹ 500 ₹ 14,100
₹ 10,000 ₹ 3,600 ₹ 500 ₹ 14,100
₹ 10,000 ₹ 3,600 ₹ 500 ₹ 14,100
₹ 10,000 ₹ 3,600 ₹ 500 ₹ 14,100
₹ 10,000 ₹ 3,600 ₹ 500 ₹ 14,100
₹ 10,000 ₹ 3,600 ₹ 500 ₹ 14,100
₹ 10,000 ₹ 3,600 ₹ 500 ₹ 14,100
₹ 10,000 ₹ 3,600 ₹ 500 ₹ 14,100
₹ 10,000 ₹ 3,600 ₹ 500 ₹ 14,100
₹ 10,000 ₹ 3,600 ₹ 500 ₹ 14,100
₹ 120,000 ₹ 43,200 ₹ 6,000 ₹ 169,200

₹ 10,500 ₹ 3,600 ₹ 500 ₹ 14,600

₹ 10,500 ₹ 3,600 ₹ 500 ₹ 14,600
₹ 10,500 ₹ 3,600 ₹ 500 ₹ 14,600
₹ 10,500 ₹ 3,600 ₹ 500 ₹ 14,600
₹ 10,500 ₹ 3,600 ₹ 500 ₹ 14,600
₹ 10,500 ₹ 3,600 ₹ 500 ₹ 14,600
₹ 10,500 ₹ 3,600 ₹ 500 ₹ 14,600
₹ 10,500 ₹ 3,600 ₹ 500 ₹ 14,600
₹ 10,500 ₹ 3,600 ₹ 500 ₹ 14,600
₹ 10,500 ₹ 3,600 ₹ 500 ₹ 14,600
₹ 10,500 ₹ 3,600 ₹ 500 ₹ 14,600
₹ 10,500 ₹ 3,600 ₹ 500 ₹ 14,600
₹ 126,000 ₹ 43,200 ₹ 6,000 ₹ 175,200

₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720

₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 126,000 ₹ 44,640 ₹ 6,000 ₹ 176,640

₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720

₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 10,500 ₹ 3,720 ₹ 500 ₹ 14,720
₹ 126,000 ₹ 44,640 ₹ 6,000 ₹ 176,640

₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840

₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 126,000 ₹ 46,080 ₹ 6,000 ₹ 178,080

₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840

₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 10,500 ₹ 3,840 ₹ 500 ₹ 14,840
₹ 126,000 ₹ 46,080 ₹ 6,000 ₹ 178,080

₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460

₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 132,000 ₹ 47,520 ₹ 6,000 ₹ 185,520

₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460

₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 11,000 ₹ 3,960 ₹ 500 ₹ 15,460
₹ 132,000 ₹ 47,520 ₹ 6,000 ₹ 185,520

₹ 11,000 ₹ 4,080 ₹ 500 ₹ 15,580

₹ 11,000 ₹ 4,080 ₹ 500 ₹ 15,580
₹ 11,000 ₹ 4,080 ₹ 500 ₹ 15,580
₹ 11,000 ₹ 4,080 ₹ 500 ₹ 15,580
₹ 11,000 ₹ 4,080 ₹ 500 ₹ 15,580
₹ 11,000 ₹ 4,080 ₹ 500 ₹ 15,580
₹ 11,000 ₹ 4,080 ₹ 500 ₹ 15,580
₹ 11,000 ₹ 4,080 ₹ 500 ₹ 15,580
₹ 11,000 ₹ 4,080 ₹ 500 ₹ 15,580
₹ 11,000 ₹ 4,080 ₹ 500 ₹ 15,580
₹ 11,000 ₹ 4,080 ₹ 500 ₹ 15,580
₹ 11,000 ₹ 4,080 ₹ 500 ₹ 15,580
₹ 132,000 ₹ 48,960 ₹ 6,000 ₹ 186,960

₹ 12,000 ₹ 4,080 ₹ 500 ₹ 16,580

₹ 12,000 ₹ 4,080 ₹ 500 ₹ 16,580
₹ 12,000 ₹ 4,080 ₹ 500 ₹ 16,580
₹ 12,000 ₹ 4,080 ₹ 500 ₹ 16,580
₹ 12,000 ₹ 4,080 ₹ 500 ₹ 16,580
₹ 12,000 ₹ 4,080 ₹ 500 ₹ 16,580
₹ 12,000 ₹ 4,080 ₹ 500 ₹ 16,580
₹ 12,000 ₹ 4,080 ₹ 500 ₹ 16,580
₹ 12,000 ₹ 4,080 ₹ 500 ₹ 16,580
₹ 12,000 ₹ 4,080 ₹ 500 ₹ 16,580
₹ 12,000 ₹ 4,080 ₹ 500 ₹ 16,580
₹ 12,000 ₹ 4,080 ₹ 500 ₹ 16,580
₹ 144,000 ₹ 48,960 ₹ 6,000 ₹ 198,960

₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700

₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 144,000 ₹ 50,400 ₹ 6,000 ₹ 200,400

₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700

₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 12,000 ₹ 4,200 ₹ 500 ₹ 16,700
₹ 144,000 ₹ 50,400 ₹ 6,000 ₹ 200,400

₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820

₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 144,000 ₹ 51,840 ₹ 6,000 ₹ 201,840

₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820

₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 12,000 ₹ 4,320 ₹ 500 ₹ 16,820
₹ 144,000 ₹ 51,840 ₹ 6,000 ₹ 201,840

₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940

₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 144,000 ₹ 53,280 ₹ 6,000 ₹ 203,280

₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940

₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
₹ 12,000 ₹ 4,440 ₹ 500 ₹ 16,940
 ₹ 144,000 ₹ 53,280 ₹ 6,000 ₹ 203,280

₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060

₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 144,000 ₹ 54,720 ₹ 6,000 ₹ 204,720

₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060

₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 12,000 ₹ 4,560 ₹ 500 ₹ 17,060
₹ 144,000 ₹ 54,720 ₹ 6,000 ₹ 204,720

tay invested, it will continue to grow over a period of time. You can invest and forget about it
without investing anything new in it. You just need to inform your bank or post office about your decision.

ntire corpus. It will be tax free. You can then invest this in other investments like mutual funds or even PPF.
l have to continue investing in it till you are 60 years.
ve to be used to buy a pension plan that will pay you a monthly pension. This pension is taxable.
earning additional income on it without doing anything extra for it
Balance in Hand
₹ 9,000
₹ 9,000
₹ 9,000
₹ 9,000
₹ 9,000
₹ 9,000
₹ 9,000
₹ 9,000
₹ 7,000
₹ 7,000
₹ 7,000
₹ 7,000
₹ 100,000 Health insurance Short Term (emergency)
₹ 500,000 ₹ 72,000
₹ 10,305
₹ 10,305
₹ 10,305
₹ 10,305
₹ 10,305
₹ 10,305
₹ 10,305
₹ 10,305
₹ 10,305
₹ 10,305
₹ 10,305
₹ 10,305
₹ 123,660 Health insurance Short Term (emergency)
₹ 500,000 ₹ 84,000
₹ 10,160
₹ 10,160
₹ 10,160
₹ 10,160
₹ 10,160
₹ 10,160
₹ 10,160
₹ 10,160
₹ 10,160
₹ 10,160
₹ 10,160
₹ 10,160
₹ 121,920 Health insurance Short Term (emergency)
₹ 500,000 ₹ 96,000
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 131,880 Health insurance Short Term (emergency)
₹ 500,000 ₹ 108,000
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 10,990
₹ 9,990
₹ 130,880 Health insurance Short Term (emergency)
₹ 500,000 ₹ 120,000
₹ 10,820
₹ 10,820
₹ 10,820
₹ 10,820
₹ 10,820
₹ 10,820
₹ 10,820
₹ 10,820
₹ 10,820
₹ 10,820
₹ 10,820
₹ 10,820
₹ 129,840 Health insurance Short Term (emergency)
₹ 500,000 ₹ 132,000
₹ 11,650
₹ 11,650
₹ 11,650
₹ 11,650
₹ 11,650
₹ 11,650
₹ 11,650
₹ 11,650
₹ 11,650
₹ 11,650
₹ 11,650
₹ 11,650
₹ 139,800 Health insurance Short Term (emergency)
₹ 500,000 ₹ 142,000
₹ 12,600
₹ 12,600
₹ 12,600
₹ 12,600
₹ 12,600
₹ 12,600
₹ 12,600
₹ 12,600
₹ 12,600
₹ 12,600
₹ 12,600
₹ 12,600
₹ 151,200 Health insurance Short Term (emergency)
₹ 500,000 ₹ 142,000
₹ 12,550
₹ 12,550
₹ 12,550
₹ 12,550
₹ 12,550
₹ 12,550
₹ 12,550
₹ 12,550
₹ 12,550
₹ 12,550
₹ 12,550
₹ 12,550
₹ 150,600 Health insurance Short Term (emergency)
₹ 500,000 ₹ 142,000
₹ 12,880
₹ 12,880
₹ 12,880
₹ 12,880
₹ 12,880
₹ 12,880
₹ 12,880
₹ 12,880
₹ 12,880
₹ 12,880
₹ 12,880
₹ 12,880
₹ 154,560 Health insurance Short Term (emergency)
₹ 500,000 ₹ 142,000
₹ 12,330
₹ 12,330
₹ 12,330
₹ 12,330
₹ 12,330
₹ 12,330
₹ 12,330
₹ 12,330
₹ 12,330
₹ 12,330
₹ 12,330
₹ 12,330
₹ 147,960 Health insurance Short Term (emergency)
₹ 600,000 ₹ 142,000
₹ 12,660
₹ 12,660
₹ 12,660
₹ 12,660
₹ 12,660
₹ 12,660
₹ 12,660
₹ 12,660
₹ 12,660
₹ 12,660
₹ 12,660
₹ 12,660
₹ 151,920 Health insurance Short Term (emergency)
₹ 600,000 ₹ 142,000
₹ 12,610
₹ 12,610
₹ 12,610
₹ 12,610
₹ 12,610
₹ 12,610
₹ 12,610
₹ 12,610
₹ 12,610
₹ 12,610
₹ 12,610
₹ 12,610
₹ 151,320 Health insurance Short Term (emergency)
₹ 600,000 ₹ 142,000
₹ 12,940
₹ 12,940
₹ 12,940
₹ 12,940
₹ 12,940
₹ 12,940
₹ 12,940
₹ 12,940
₹ 12,940
₹ 12,940
₹ 12,940
₹ 12,940
₹ 155,280 Health insurance Short Term (emergency)
₹ 600,000 ₹ 142,000
₹ 12,390
₹ 12,390
₹ 12,390
₹ 12,390
₹ 12,390
₹ 12,390
₹ 12,390
₹ 12,390
₹ 12,390
₹ 12,390
₹ 12,390
₹ 12,390
₹ 148,680 Health insurance Short Term (emergency)
₹ 600,000 ₹ 148,000
₹ 13,220
₹ 13,220
₹ 13,220
₹ 13,220
₹ 13,220
₹ 13,220
₹ 13,220
₹ 13,220
₹ 13,220
₹ 13,220
₹ 13,220
₹ 13,220
₹ 158,640 Health insurance Short Term (emergency)
₹ 600,000 ₹ 154,000
₹ 13,670
₹ 13,670
₹ 13,670
₹ 13,670
₹ 13,670
₹ 13,670
₹ 13,670
₹ 13,670
₹ 13,670
₹ 13,670
₹ 13,670
₹ 13,670
₹ 164,040 Health insurance Short Term (emergency)
₹ 600,000 ₹ 154,000
₹ 14,500
₹ 14,500
₹ 14,500
₹ 14,500
₹ 14,500
₹ 14,500
₹ 14,500
₹ 14,500
₹ 14,500
₹ 14,500
₹ 14,500
₹ 14,500
₹ 174,000 Health insurance Short Term (emergency)
₹ 600,000 ₹ 154,000
₹ 13,950
₹ 13,950
₹ 13,950
₹ 13,950
₹ 13,950
₹ 13,950
₹ 13,950
₹ 13,950
₹ 13,950
₹ 13,950
₹ 13,950
₹ 13,950
₹ 167,400 Health insurance Short Term (emergency)
₹ 600,000 ₹ 154,000
₹ 14,780
₹ 14,780
₹ 14,780
₹ 14,780
₹ 14,780
₹ 14,780
₹ 14,780
₹ 14,780
₹ 14,780
₹ 14,780
₹ 14,780
₹ 14,780
₹ 177,360 Health insurance Short Term (emergency)
₹ 700,000 ₹ 154,000
₹ 14,730
₹ 14,730
₹ 14,730
₹ 14,730
₹ 14,730
₹ 14,730
₹ 14,730
₹ 14,730
₹ 14,730
₹ 14,730
₹ 14,730
₹ 14,730
₹ 176,760 Health insurance Short Term (emergency)
₹ 700,000 ₹ 154,000
₹ 15,560
₹ 15,560
₹ 15,560
₹ 15,560
₹ 15,560
₹ 15,560
₹ 15,560
₹ 15,560
₹ 15,560
₹ 15,560
₹ 15,560
₹ 15,560
₹ 186,720 Health insurance Short Term (emergency)
₹ 700,000 ₹ 154,000
₹ 15,510
₹ 15,510
₹ 15,510
₹ 15,510
₹ 15,510
₹ 15,510
₹ 15,510
₹ 15,510
₹ 15,510
₹ 15,510
₹ 15,510
₹ 15,510
₹ 186,120 Health insurance Short Term (emergency)
₹ 700,000 ₹ 154,000
₹ 15,840
₹ 15,840
₹ 15,840
₹ 15,840
₹ 15,840
₹ 15,840
₹ 15,840
₹ 15,840
₹ 15,840
₹ 15,840
₹ 15,840
₹ 15,840
₹ 190,080 Health insurance Short Term (emergency)
₹ 700,000 ₹ 154,000
₹ 15,790
₹ 15,790
₹ 15,790
₹ 15,790
₹ 15,790
₹ 15,790
₹ 15,790
₹ 15,790
₹ 15,790
₹ 15,790
₹ 15,790
₹ 15,790
₹ 189,480 Health insurance Short Term (emergency)
₹ 700,000 ₹ 154,000
₹ 16,620
₹ 16,620
₹ 16,620
₹ 16,620
₹ 16,620
₹ 16,620
₹ 16,620
₹ 16,620
₹ 16,620
₹ 16,620
₹ 16,620
₹ 16,620
₹ 199,440 Health insurance Short Term (emergency)
₹ 700,000 ₹ 154,000
₹ 15,570
₹ 15,570
₹ 15,570
₹ 15,570
₹ 15,570
₹ 15,570
₹ 15,570
₹ 15,570
₹ 15,570
₹ 15,570
₹ 15,570
₹ 15,570
₹ 186,840 Health insurance Short Term (emergency)
₹ 700,000 ₹ 154,000
₹ 16,400
₹ 16,400
₹ 16,400
₹ 16,400
₹ 16,400
₹ 16,400
₹ 16,400
₹ 16,400
₹ 16,400
₹ 16,400
₹ 16,400
₹ 16,400
₹ 196,800 Health insurance Short Term (emergency)
₹ 700,000 ₹ 154,000
₹ 16,350
₹ 16,350
₹ 16,350
₹ 16,350
₹ 16,350
₹ 16,350
₹ 16,350
₹ 16,350
₹ 16,350
₹ 16,350
₹ 16,350
₹ 16,350
₹ 196,200 Health insurance Short Term (emergency)
₹ 700,000 ₹ 154,000
₹ 17,180
₹ 17,180
₹ 17,180
₹ 17,180
₹ 17,180
₹ 17,180
₹ 17,180
₹ 17,180
₹ 17,180
₹ 17,180
₹ 17,180
₹ 17,180
₹ 206,160 Health insurance Short Term (emergency)
₹ 800,000 ₹ 154,000
₹ 17,080
₹ 17,080
₹ 17,080
₹ 17,080
₹ 17,080
₹ 17,080
₹ 17,080
₹ 17,080
₹ 17,080
₹ 17,080
₹ 17,080
₹ 17,080
₹ 204,960 Health insurance Short Term (emergency)
₹ 800,000 ₹ 154,000
₹ 17,910
₹ 17,910
₹ 17,910
₹ 17,910
₹ 17,910
₹ 17,910
₹ 17,910
₹ 17,910
₹ 17,910
₹ 17,910
₹ 17,910
₹ 17,910
₹ 214,920 Health insurance Short Term (emergency)
₹ 800,000 ₹ 154,000
₹ 17,860
₹ 17,860
₹ 17,860
₹ 17,860
₹ 17,860
₹ 17,860
₹ 17,860
₹ 17,860
₹ 17,860
₹ 17,860
₹ 17,860
₹ 17,860
 ₹ 214,320 Health insurance Short Term (emergency)
₹ 800,000 ₹ 154,000
₹ 18,690
₹ 18,690
₹ 18,690
₹ 18,690
₹ 18,690
₹ 18,690
₹ 18,690
₹ 18,690
₹ 18,690
₹ 18,690
₹ 18,690
₹ 18,690
₹ 224,280 Health insurance Short Term (emergency)
₹ 800,000 ₹ 154,000
₹ 18,640
₹ 18,640
₹ 18,640
₹ 18,640
₹ 18,640
₹ 18,640
₹ 18,640
₹ 18,640
₹ 18,640
₹ 18,640
₹ 18,640
₹ 18,640
₹ 223,680 Health insurance Short Term (emergency)
₹ 800,000 ₹ 154,000

or even PPF.
Medium Term (PPF) Mutual Fund Investment
₹ 28,800 ₹ 24,000

Medium Term (PPF) Mutual Fund Investment

₹ 59,040 ₹ 96,000
Medium Term (PPF) Mutual Fund Investment
₹ 90,720 ₹ 180,000

Medium Term (PPF) Mutual Fund Investment

₹ 123,840 ₹ 264,000

Medium Term (PPF) Mutual Fund Investment

₹ 156,960 ₹ 349,000
Medium Term (PPF) Mutual Fund Investment
₹ 191,520 ₹ 445,000

Medium Term (PPF) Mutual Fund Investment

₹ 227,520 ₹ 543,000

Medium Term (PPF) Mutual Fund Investment

₹ 263,520 ₹ 639,000
Medium Term (PPF) Mutual Fund Investment
₹ 299,520 ₹ 735,000

Medium Term (PPF) Mutual Fund Investment

₹ 336,960 ₹ 837,000

Medium Term (PPF) Mutual Fund Investment

₹ 374,400 ₹ 945,000
Medium Term (PPF) Mutual Fund Investment
₹ 413,280 ₹ 1,059,000

Medium Term (PPF) Mutual Fund Investment

₹ 452,160 ₹ 1,173,000

Medium Term (PPF) Mutual Fund Investment

₹ 492,480 ₹ 1,293,000
 Medium Term (PPF) Mutual Fund Investment
₹ 532,800 ₹ 1,413,000
PPF MATURES IN 15 YEARS, BUT CAN BE RENEWED
IT IS RENEWED FOR 5 YEARS AT A TIME

Medium Term (PPF) Mutual Fund Investment

₹ 574,560 ₹ 1,533,000

Medium Term (PPF) Mutual Fund Investment

₹ 616,320 ₹ 1,653,000
Medium Term (PPF) Mutual Fund Investment
₹ 659,520 ₹ 1,773,000

Medium Term (PPF) Mutual Fund Investment

₹ 702,720 ₹ 1,899,000

Medium Term (PPF) Mutual Fund Investment

₹ 747,360 ₹ 2,025,000
Medium Term (PPF) Mutual Fund Investment
₹ 792,000 ₹ 2,151,000

Medium Term (PPF) Mutual Fund Investment

₹ 838,080 ₹ 2,277,000

Medium Term (PPF) Mutual Fund Investment

₹ 884,160 ₹ 2,403,000
Medium Term (PPF) Mutual Fund Investment
₹ 931,680 ₹ 2,535,000

Medium Term (PPF) Mutual Fund Investment

₹ 979,200 ₹ 2,667,000

Medium Term (PPF) Mutual Fund Investment

₹ 1,028,160 ₹ 2,799,000
Medium Term (PPF) Mutual Fund Investment
₹ 1,077,120 ₹ 2,943,000

Medium Term (PPF) Mutual Fund Investment

₹ 1,127,520 ₹ 3,087,000

Medium Term (PPF) Mutual Fund Investment

₹ 1,177,920 ₹ 3,231,000
Medium Term (PPF) Mutual Fund Investment
₹ 1,229,760 ₹ 3,375,000

Medium Term (PPF) Mutual Fund Investment

₹ 1,281,600 ₹ 3,519,000

Medium Term (PPF) Mutual Fund Investment

₹ 1,334,880 ₹ 3,663,000
 Medium Term (PPF) Mutual Fund Investment
₹ 1,388,160 ₹ 3,807,000

Medium Term (PPF) Mutual Fund Investment

₹ 1,442,880 ₹ 3,951,000

Medium Term (PPF) Mutual Fund Investment

₹ 1,497,600 ₹ 4,095,000
If you are investing in EPF, then it matures when you retire at 55 years
We are assuming that you begin working at 20 years
National Pension Scheme
₹ 8,000

National Pension Scheme

₹ 14,000
National Pension Scheme
₹ 20,000

National Pension Scheme

₹ 26,000

National Pension Scheme

₹ 32,000
National Pension Scheme
₹ 38,000

National Pension Scheme

₹ 44,000

National Pension Scheme

₹ 50,000
National Pension Scheme
₹ 56,000

National Pension Scheme

₹ 62,000

National Pension Scheme

₹ 68,000
National Pension Scheme
₹ 74,000

National Pension Scheme

₹ 80,000

National Pension Scheme

₹ 86,000
National Pension Scheme
₹ 92,000

National Pension Scheme

₹ 98,000

National Pension Scheme

₹ 104,000
National Pension Scheme
₹ 110,000

National Pension Scheme

₹ 116,000

National Pension Scheme

₹ 122,000
National Pension Scheme
₹ 128,000

National Pension Scheme

₹ 134,000

National Pension Scheme

₹ 140,000
National Pension Scheme
₹ 146,000

National Pension Scheme

₹ 152,000

National Pension Scheme

₹ 158,000
National Pension Scheme
₹ 164,000

National Pension Scheme

₹ 170,000

National Pension Scheme

₹ 176,000
National Pension Scheme
₹ 182,000

National Pension Scheme

₹ 188,000

National Pension Scheme

₹ 194,000
National Pension Scheme
₹ 200,000

National Pension Scheme

₹ 206,000

National Pension Scheme

₹ 212,000
Inflation Rate 6.00%
Type of Investment Investment in 35 years Value in 35 years

PPF ₹ 1,497,600 ₹ 6,474,789

EPF ₹ 1,497,600 ₹ 15,231,924
Mutual Funds ₹ 4,095,000 ₹ 41,495,919
National Pension Scheme ₹ 212,000 ₹ 2,650,000
Total ₹ 5,804,600 ₹ 59,377,843

Value considering EPF investment ₹ 59,377,843

Value considering PPF investment ₹ 50,620,708

Note:
We are calculating returns for both EPF and PPF. You can invest in either instrument.
EPF current interest rate is 8.5%
PPF current interest rate is 7.1%
The interest and maturity of EPF and PPF is tax free
Return taken on SIP is 12%
NPS investment is done till the age of 60, since we invested till 55, I adjusted the calculations accordingly. It is an approximatio
If you stay invested in your mutual funds then your investment will keep growing as time passes.
 Adjusting for Inflation

₹ 1,800,870 PPF Calculator - Public Provident Fund Calculator Online | PPF Investment Calculator (groww.in)
₹ 3,682,173 EPF Calculator - Employee Provident Fund (EPF) Calculator | Scripbox
₹ 11,566,553 Step up SIP Calculator | SIP Calculator (finology.in)
₹ 674,217 Pension Calculator | NPS Trust
₹ 15,922,943

₹ 15,922,943
₹ 14,041,640

culations accordingly. It is an approximation

as time passes.
nvestment Calculator (groww.in)
Calculate NPS Pension Calculator | NPS Trust
Calculate Goal based SIP Online SIP Calculator: Mutual Fund Return Calculators (mutualfundssahihai.com)
Calculate MF Returns Online SIP Calculator: Mutual Fund Return Calculators (mutualfundssahihai.com)
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simple words - if you take a loan for your wedding, you are not acquiring an
asset that will grow in monetary value over time.

AVOID Personal loans and credit card debt

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Remember, if you CANT afford to buy the same thing TWICE, DON'T buy it in the first place!

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asset. In
cquiring an