For Individual For Institution

Assumed
yield -
Retail
YFMP 396 Days YFMP 396 Days Bank
(Growth Option) - (Growth Option) Deposits YFMP 396 Days
Without - with 396 (Growth Option) -
Particulars Indexation With Indexation days tenure Particulars Without Indexation

Amount invested (Rs.) 100 100 100 7.40% Amount invested (Rs.) 100
Assumed rate of return / interest (%) 7.40% 7.40% 6.00% Assumed rate of return / interest (%) 7.80%
Return / interest for 396 days (Rs.) 8.03 8.03 6.51 Return / interest for 396 days (Rs.) 8.46
Bank FD
Rate
Gross Receipts at Maturity (Rs.) 108.03 108.03 106.51
Assumed Gross Receipts at Maturity (Rs.) 108.46
Indexation Benefit Not availed Availed No 6.00% Indexation Benefit Not availed
Indexed Cost of Investments (Assuming 7% Indexed Cost of Investments (Assuming
as cost of inflation) N.A 107.00 N.A 7% as cost of inflation) N.A
Taxable Capital Gain 8.03 1.03 6.51 Taxable Capital Gain 8.46
Tax Rate 10% 20% 30% Tax Rate 10%

Applicable tax rate assuming highest tax Applicable tax rate assuming highest tax
bracket + 3% Cess 10.30% 20.60% 30.90% bracket + 7.50% Surcharge + 3% Cess 11.0725%
Tax Liability 0.83 0.21 2.01 Tax Liability 0.94
Proceedings net of tax 107.20 107.82 104.50 Proceedings net of tax 107.53
Post tax return annualized 6.64% 7.20% 4.15% Post tax return annualized 6.94%

Cost of Inflation assumed No of Cost of Inflation assumed

7.00% Days 396 7.00%

Bank Deposits
YFMP 396 Days with 396 days YFMP 396 Days
Particulars (Dividend Option) tenure Particulars (Dividend Option)
Amount invested (Rs.) 100 100 Amount invested (Rs.) 100
Assumed rate of return / interest (%) 7.40% 6.00% Assumed rate of return / interest (%) 7.80%
Return / interest for 396 days (Rs.) 8.03 6.51 Return / interest for 396 days (Rs.) 8.46
Dividend Distribution Tax Rate 12.5% 0.0% Dividend Distribution Tax Rate 20%
Income Tax 0.0% 30% Income Tax 0%
 Applicable tax rate assuming highest tax Applicable tax rate assuming highest tax
bracket + 7.50% Surcharge + 3% Cess 13.8406% 30.90% bracket + 7.50% Surcharge + 3% Cess 22.1450%
Proceedings net of tax 7.05 4.50 Proceedings net of tax 6.93
Proceedings net of tax 107.05 104.50 Proceedings net of tax 106.93
Post tax return annualized 6.50% 4.15% Post tax return annualized 6.39%

Note: Mutual funds are subject to market risks. Please read the offer document of the schemes carefully before investing.
Note: Yield mentioned above is only for illustrative purpose
Note: No returns are assured under the scheme.
titution

Assumed
yield -
Institutional
YFMP 396 Days Bank
(Growth Option) Deposits
- with 396
With Indexation days tenure

100 100 7.80%

7.80% 6.00%
8.46 6.51
Bank FD Rate
Assumed
108.46 106.51
Availed No 6.00%

107.00 N.A
1.46 6.51
20% 30%

22.1450% 33.2175%
0.32 2.16
108.14 104.35
7.50% 4.01%

Bank Deposits
with 396 days
tenure
100
6.00%
6.51
0.0%
30%
33.2175%
4.35
104.35
4.01%