Please download this sheet and then make changes in it.

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

STEP 1
Check the sheet Budgeting and Expense Management Budgeting

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 35 Year Investment Plan

This is an investment plan broken down into different investment options. We have considered an income amount that is something many people begin their job li
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 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 Calculators
We have separate calculations adjusting the returns for inflation

Check the sheet Bad Loans 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
ng many people begin their job lives with.
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
hi and 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 will continue to stay invested. When you
Year Month Number Monthly Income Health Insurance Emergency Fund Mutual Fund/ Stocks PPF/EPF
1 1 ₹ 20,000 ₹ 600 ₹ 6,000 ₹ 2,000 ₹ 2,400
1 2 ₹ 20,000 ₹ 600 ₹ 6,000 ₹ 2,000 ₹ 2,400
1 3 ₹ 20,000 ₹ 600 ₹ 6,000 ₹ 2,000 ₹ 2,400
1 4 ₹ 20,000 ₹ 600 ₹ 6,000 ₹ 2,000 ₹ 2,400
1 5 ₹ 20,000 ₹ 600 ₹ 6,000 ₹ 2,000 ₹ 2,400
1 6 ₹ 20,000 ₹ 600 ₹ 6,000 ₹ 2,000 ₹ 2,400
1 7 ₹ 20,000 ₹ 600 ₹ 6,000 ₹ 2,000 ₹ 2,400
1 8 ₹ 20,000 ₹ 600 ₹ 6,000 ₹ 2,000 ₹ 2,400
1 9 ₹ 20,000 ₹ 600 ₹ 6,000 ₹ 2,000 ₹ 2,400
1 10 ₹ 20,000 ₹ 600 ₹ 6,000 ₹ 2,000 ₹ 2,400
1 11 ₹ 20,000 ₹ 600 ₹ 6,000 ₹ 2,000 ₹ 2,400
1 12 ₹ 20,000 ₹ 600 ₹ 6,000 ₹ 2,000 ₹ 2,400
Totals ₹ 240,000 ₹ 7,200 ₹ 72,000 ₹ 24,000 ₹ 28,800
2 13 ₹ 21,000 ₹ 675 ₹ 1,000 ₹ 6,000 ₹ 2,520
2 14 ₹ 21,000 ₹ 675 ₹ 1,000 ₹ 6,000 ₹ 2,520
2 15 ₹ 21,000 ₹ 675 ₹ 1,000 ₹ 6,000 ₹ 2,520
2 16 ₹ 21,000 ₹ 675 ₹ 1,000 ₹ 6,000 ₹ 2,520
2 17 ₹ 21,000 ₹ 675 ₹ 1,000 ₹ 6,000 ₹ 2,520
2 18 ₹ 21,000 ₹ 675 ₹ 1,000 ₹ 6,000 ₹ 2,520
2 19 ₹ 21,000 ₹ 675 ₹ 1,000 ₹ 6,000 ₹ 2,520
2 20 ₹ 21,000 ₹ 675 ₹ 1,000 ₹ 6,000 ₹ 2,520
2 21 ₹ 21,000 ₹ 675 ₹ 1,000 ₹ 6,000 ₹ 2,520
2 22 ₹ 21,000 ₹ 675 ₹ 1,000 ₹ 6,000 ₹ 2,520
2 23 ₹ 21,000 ₹ 675 ₹ 1,000 ₹ 6,000 ₹ 2,520
2 24 ₹ 21,000 ₹ 675 ₹ 1,000 ₹ 6,000 ₹ 2,520
Totals ₹ 252,000 ₹ 8,100 ₹ 12,000 ₹ 72,000 ₹ 30,240
3 25 ₹ 22,000 ₹ 700 ₹ 1,000 ₹ 7,000 ₹ 2,640
3 26 ₹ 22,000 ₹ 700 ₹ 1,000 ₹ 7,000 ₹ 2,640
3 27 ₹ 22,000 ₹ 700 ₹ 1,000 ₹ 7,000 ₹ 2,640
3 28 ₹ 22,000 ₹ 700 ₹ 1,000 ₹ 7,000 ₹ 2,640
3 29 ₹ 22,000 ₹ 700 ₹ 1,000 ₹ 7,000 ₹ 2,640
3 30 ₹ 22,000 ₹ 700 ₹ 1,000 ₹ 7,000 ₹ 2,640
3 31 ₹ 22,000 ₹ 700 ₹ 1,000 ₹ 7,000 ₹ 2,640
3 32 ₹ 22,000 ₹ 700 ₹ 1,000 ₹ 7,000 ₹ 2,640
3 33 ₹ 22,000 ₹ 700 ₹ 1,000 ₹ 7,000 ₹ 2,640
3 34 ₹ 22,000 ₹ 700 ₹ 1,000 ₹ 7,000 ₹ 2,640
3 35 ₹ 22,000 ₹ 700 ₹ 1,000 ₹ 7,000 ₹ 2,640
3 36 ₹ 22,000 ₹ 700 ₹ 1,000 ₹ 7,000 ₹ 2,640
Totals ₹ 264,000 ₹ 8,400 ₹ 12,000 ₹ 84,000 ₹ 31,680
4 37 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
4 38 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
4 39 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
4 40 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
4 41 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
4 42 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
4 43 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
4 44 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
4 45 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
4 46 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
4 47 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
4 48 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
Totals ₹ 276,000 ₹ 9,000 ₹ 12,000 ₹ 84,000 ₹ 33,120
5 49 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
5 50 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
5 51 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
5 52 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
5 53 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
5 54 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
5 55 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
5 56 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
5 57 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
5 58 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
5 59 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 7,000 ₹ 2,760
5 60 ₹ 23,000 ₹ 750 ₹ 1,000 ₹ 8,000 ₹ 2,760
Totals ₹ 276,000 ₹ 9,000 ₹ 12,000 ₹ 85,000 ₹ 33,120
6 61 ₹ 24,000 ₹ 800 ₹ 1,000 ₹ 8,000 ₹ 2,880
6 62 ₹ 24,000 ₹ 800 ₹ 1,000 ₹ 8,000 ₹ 2,880
6 63 ₹ 24,000 ₹ 800 ₹ 1,000 ₹ 8,000 ₹ 2,880
6 64 ₹ 24,000 ₹ 800 ₹ 1,000 ₹ 8,000 ₹ 2,880
6 65 ₹ 24,000 ₹ 800 ₹ 1,000 ₹ 8,000 ₹ 2,880
6 66 ₹ 24,000 ₹ 800 ₹ 1,000 ₹ 8,000 ₹ 2,880
6 67 ₹ 24,000 ₹ 800 ₹ 1,000 ₹ 8,000 ₹ 2,880
6 68 ₹ 24,000 ₹ 800 ₹ 1,000 ₹ 8,000 ₹ 2,880
6 69 ₹ 24,000 ₹ 800 ₹ 1,000 ₹ 8,000 ₹ 2,880
6 70 ₹ 24,000 ₹ 800 ₹ 1,000 ₹ 8,000 ₹ 2,880
6 71 ₹ 24,000 ₹ 800 ₹ 1,000 ₹ 8,000 ₹ 2,880
6 72 ₹ 24,000 ₹ 800 ₹ 1,000 ₹ 8,000 ₹ 2,880
Totals ₹ 288,000 ₹ 9,600 ₹ 12,000 ₹ 96,000 ₹ 34,560
7 73 ₹ 25,000 ₹ 850 ₹ 1,000 ₹ 8,000 ₹ 3,000
7 74 ₹ 25,000 ₹ 850 ₹ 1,000 ₹ 8,000 ₹ 3,000
7 75 ₹ 25,000 ₹ 850 ₹ 1,000 ₹ 8,000 ₹ 3,000
7 76 ₹ 25,000 ₹ 850 ₹ 1,000 ₹ 8,000 ₹ 3,000
7 77 ₹ 25,000 ₹ 850 ₹ 1,000 ₹ 8,000 ₹ 3,000
7 78 ₹ 25,000 ₹ 850 ₹ 1,000 ₹ 8,000 ₹ 3,000
7 79 ₹ 25,000 ₹ 850 ₹ 1,000 ₹ 8,000 ₹ 3,000
7 80 ₹ 25,000 ₹ 850 ₹ 1,000 ₹ 8,000 ₹ 3,000
7 81 ₹ 25,000 ₹ 850 ₹ 1,000 ₹ 8,000 ₹ 3,000
7 82 ₹ 25,000 ₹ 850 ₹ 1,000 ₹ 8,000 ₹ 3,000
7 83 ₹ 25,000 ₹ 850 ₹ 9,000 ₹ 3,000
7 84 ₹ 25,000 ₹ 850 ₹ 9,000 ₹ 3,000
Totals ₹ 300,000 ₹ 10,200 ₹ 10,000 ₹ 98,000 ₹ 36,000
8 85 ₹ 25,000 ₹ 900 ₹0 ₹ 8,000 ₹ 3,000
8 86 ₹ 25,000 ₹ 900 ₹0 ₹ 8,000 ₹ 3,000
8 87 ₹ 25,000 ₹ 900 ₹0 ₹ 8,000 ₹ 3,000
8 88 ₹ 25,000 ₹ 900 ₹0 ₹ 8,000 ₹ 3,000
8 89 ₹ 25,000 ₹ 900 ₹0 ₹ 8,000 ₹ 3,000
8 90 ₹ 25,000 ₹ 900 ₹0 ₹ 8,000 ₹ 3,000
8 91 ₹ 25,000 ₹ 900 ₹0 ₹ 8,000 ₹ 3,000
8 92 ₹ 25,000 ₹ 900 ₹0 ₹ 8,000 ₹ 3,000
8 93 ₹ 25,000 ₹ 900 ₹0 ₹ 8,000 ₹ 3,000
8 94 ₹ 25,000 ₹ 900 ₹0 ₹ 8,000 ₹ 3,000
8 95 ₹ 25,000 ₹ 900 ₹0 ₹ 8,000 ₹ 3,000
8 96 ₹ 25,000 ₹ 900 ₹0 ₹ 8,000 ₹ 3,000
Totals ₹ 300,000 ₹ 10,800 ₹0 ₹ 96,000 ₹ 36,000
9 97 ₹ 25,000 ₹ 950 ₹ 8,000 ₹ 3,000
9 98 ₹ 25,000 ₹ 950 ₹ 8,000 ₹ 3,000
9 99 ₹ 25,000 ₹ 950 ₹ 8,000 ₹ 3,000
9 100 ₹ 25,000 ₹ 950 ₹ 8,000 ₹ 3,000
9 101 ₹ 25,000 ₹ 950 ₹ 8,000 ₹ 3,000
9 102 ₹ 25,000 ₹ 950 ₹ 8,000 ₹ 3,000
9 103 ₹ 25,000 ₹ 950 ₹ 8,000 ₹ 3,000
9 104 ₹ 25,000 ₹ 950 ₹ 8,000 ₹ 3,000
9 105 ₹ 25,000 ₹ 950 ₹ 8,000 ₹ 3,000
9 106 ₹ 25,000 ₹ 950 ₹ 8,000 ₹ 3,000
9 107 ₹ 25,000 ₹ 950 ₹ 8,000 ₹ 3,000
9 108 ₹ 25,000 ₹ 950 ₹ 8,000 ₹ 3,000
Totals ₹ 300,000 ₹ 11,400 ₹0 ₹ 96,000 ₹ 36,000
10 109 ₹ 26,000 ₹ 1,000 ₹ 8,500 ₹ 3,120
10 110 ₹ 26,000 ₹ 1,000 ₹ 8,500 ₹ 3,120
10 111 ₹ 26,000 ₹ 1,000 ₹ 8,500 ₹ 3,120
10 112 ₹ 26,000 ₹ 1,000 ₹ 8,500 ₹ 3,120
10 113 ₹ 26,000 ₹ 1,000 ₹ 8,500 ₹ 3,120
10 114 ₹ 26,000 ₹ 1,000 ₹ 8,500 ₹ 3,120
10 115 ₹ 26,000 ₹ 1,000 ₹ 8,500 ₹ 3,120
10 116 ₹ 26,000 ₹ 1,000 ₹ 8,500 ₹ 3,120
10 117 ₹ 26,000 ₹ 1,000 ₹ 8,500 ₹ 3,120
10 118 ₹ 26,000 ₹ 1,000 ₹ 8,500 ₹ 3,120
10 119 ₹ 26,000 ₹ 1,000 ₹ 8,500 ₹ 3,120
10 120 ₹ 26,000 ₹ 1,000 ₹ 8,500 ₹ 3,120
Totals ₹ 312,000 ₹ 12,000 ₹0 ₹ 102,000 ₹ 37,440
11 121 ₹ 26,000 ₹ 1,050 ₹ 9,000 ₹ 3,120
11 122 ₹ 26,000 ₹ 1,050 ₹ 9,000 ₹ 3,120
11 123 ₹ 26,000 ₹ 1,050 ₹ 9,000 ₹ 3,120
11 124 ₹ 26,000 ₹ 1,050 ₹ 9,000 ₹ 3,120
11 125 ₹ 26,000 ₹ 1,050 ₹ 9,000 ₹ 3,120
11 126 ₹ 26,000 ₹ 1,050 ₹ 9,000 ₹ 3,120
11 127 ₹ 26,000 ₹ 1,050 ₹ 9,000 ₹ 3,120
11 128 ₹ 26,000 ₹ 1,050 ₹ 9,000 ₹ 3,120
11 129 ₹ 26,000 ₹ 1,050 ₹ 9,000 ₹ 3,120
11 130 ₹ 26,000 ₹ 1,050 ₹ 9,000 ₹ 3,120
11 131 ₹ 26,000 ₹ 1,050 ₹ 9,000 ₹ 3,120
11 132 ₹ 26,000 ₹ 1,050 ₹ 9,000 ₹ 3,120
Totals ₹ 312,000 ₹ 12,600 ₹0 ₹ 108,000 ₹ 37,440
12 133 ₹ 27,000 ₹ 1,100 ₹ 9,500 ₹ 3,240
12 134 ₹ 27,000 ₹ 1,100 ₹ 9,500 ₹ 3,240
12 135 ₹ 27,000 ₹ 1,100 ₹ 9,500 ₹ 3,240
12 136 ₹ 27,000 ₹ 1,100 ₹ 9,500 ₹ 3,240
12 137 ₹ 27,000 ₹ 1,100 ₹ 9,500 ₹ 3,240
12 138 ₹ 27,000 ₹ 1,100 ₹ 9,500 ₹ 3,240
12 139 ₹ 27,000 ₹ 1,100 ₹ 9,500 ₹ 3,240
12 140 ₹ 27,000 ₹ 1,100 ₹ 9,500 ₹ 3,240
12 141 ₹ 27,000 ₹ 1,100 ₹ 9,500 ₹ 3,240
12 142 ₹ 27,000 ₹ 1,100 ₹ 9,500 ₹ 3,240
12 143 ₹ 27,000 ₹ 1,100 ₹ 9,500 ₹ 3,240
12 144 ₹ 27,000 ₹ 1,100 ₹ 9,500 ₹ 3,240
Totals ₹ 324,000 ₹ 13,200 ₹0 ₹ 114,000 ₹ 38,880
13 145 ₹ 27,000 ₹ 1,150 ₹ 9,500 ₹ 3,240
13 146 ₹ 27,000 ₹ 1,150 ₹ 9,500 ₹ 3,240
13 147 ₹ 27,000 ₹ 1,150 ₹ 9,500 ₹ 3,240
13 148 ₹ 27,000 ₹ 1,150 ₹ 9,500 ₹ 3,240
13 149 ₹ 27,000 ₹ 1,150 ₹ 9,500 ₹ 3,240
13 150 ₹ 27,000 ₹ 1,150 ₹ 9,500 ₹ 3,240
13 151 ₹ 27,000 ₹ 1,150 ₹ 9,500 ₹ 3,240
13 152 ₹ 27,000 ₹ 1,150 ₹ 9,500 ₹ 3,240
13 153 ₹ 27,000 ₹ 1,150 ₹ 9,500 ₹ 3,240
13 154 ₹ 27,000 ₹ 1,150 ₹ 9,500 ₹ 3,240
13 155 ₹ 27,000 ₹ 1,150 ₹ 9,500 ₹ 3,240
13 156 ₹ 27,000 ₹ 1,150 ₹ 9,500 ₹ 3,240
Totals ₹ 324,000 ₹ 13,800 ₹0 ₹ 114,000 ₹ 38,880
14 157 ₹ 28,000 ₹ 1,200 ₹ 10,000 ₹ 3,360
14 158 ₹ 28,000 ₹ 1,200 ₹ 10,000 ₹ 3,360
14 159 ₹ 28,000 ₹ 1,200 ₹ 10,000 ₹ 3,360
14 160 ₹ 28,000 ₹ 1,200 ₹ 10,000 ₹ 3,360
14 161 ₹ 28,000 ₹ 1,200 ₹ 10,000 ₹ 3,360
14 162 ₹ 28,000 ₹ 1,200 ₹ 10,000 ₹ 3,360
14 163 ₹ 28,000 ₹ 1,200 ₹ 10,000 ₹ 3,360
14 164 ₹ 28,000 ₹ 1,200 ₹ 10,000 ₹ 3,360
14 165 ₹ 28,000 ₹ 1,200 ₹ 10,000 ₹ 3,360
14 166 ₹ 28,000 ₹ 1,200 ₹ 10,000 ₹ 3,360
14 167 ₹ 28,000 ₹ 1,200 ₹ 10,000 ₹ 3,360
14 168 ₹ 28,000 ₹ 1,200 ₹ 10,000 ₹ 3,360
Totals ₹ 336,000 ₹ 14,400 ₹0 ₹ 120,000 ₹ 40,320
15 169 ₹ 28,000 ₹ 1,250 ₹ 500 ₹ 10,000 ₹ 3,360
15 170 ₹ 28,000 ₹ 1,250 ₹ 500 ₹ 10,000 ₹ 3,360
15 171 ₹ 28,000 ₹ 1,250 ₹ 500 ₹ 10,000 ₹ 3,360
15 172 ₹ 28,000 ₹ 1,250 ₹ 500 ₹ 10,000 ₹ 3,360
15 173 ₹ 28,000 ₹ 1,250 ₹ 500 ₹ 10,000 ₹ 3,360
15 174 ₹ 28,000 ₹ 1,250 ₹ 500 ₹ 10,000 ₹ 3,360
15 175 ₹ 28,000 ₹ 1,250 ₹ 500 ₹ 10,000 ₹ 3,360
15 176 ₹ 28,000 ₹ 1,250 ₹ 500 ₹ 10,000 ₹ 3,360
15 177 ₹ 28,000 ₹ 1,250 ₹ 500 ₹ 10,000 ₹ 3,360
15 178 ₹ 28,000 ₹ 1,250 ₹ 500 ₹ 10,000 ₹ 3,360
15 179 ₹ 28,000 ₹ 1,250 ₹ 500 ₹ 10,000 ₹ 3,360
15 180 ₹ 28,000 ₹ 1,250 ₹ 500 ₹ 10,000 ₹ 3,360
Totals ₹ 336,000 ₹ 15,000 ₹ 6,000 ₹ 120,000 ₹ 40,320
16 181 ₹ 29,000 ₹ 1,300 ₹ 500 ₹ 10,000 ₹ 3,480
16 182 ₹ 29,000 ₹ 1,300 ₹ 500 ₹ 10,000 ₹ 3,480
16 183 ₹ 29,000 ₹ 1,300 ₹ 500 ₹ 10,000 ₹ 3,480
16 184 ₹ 29,000 ₹ 1,300 ₹ 500 ₹ 10,000 ₹ 3,480
16 185 ₹ 29,000 ₹ 1,300 ₹ 500 ₹ 10,000 ₹ 3,480
16 186 ₹ 29,000 ₹ 1,300 ₹ 500 ₹ 10,000 ₹ 3,480
16 187 ₹ 29,000 ₹ 1,300 ₹ 500 ₹ 10,000 ₹ 3,480
16 188 ₹ 29,000 ₹ 1,300 ₹ 500 ₹ 10,000 ₹ 3,480
16 189 ₹ 29,000 ₹ 1,300 ₹ 500 ₹ 10,000 ₹ 3,480
16 190 ₹ 29,000 ₹ 1,300 ₹ 500 ₹ 10,000 ₹ 3,480
16 191 ₹ 29,000 ₹ 1,300 ₹ 500 ₹ 10,000 ₹ 3,480
16 192 ₹ 29,000 ₹ 1,300 ₹ 500 ₹ 10,000 ₹ 3,480
Totals ₹ 348,000 ₹ 15,600 ₹ 6,000 ₹ 120,000 ₹ 41,760
17 193 ₹ 29,000 ₹ 1,350 ₹ 10,000 ₹ 3,480
17 194 ₹ 29,000 ₹ 1,350 ₹ 10,000 ₹ 3,480
17 195 ₹ 29,000 ₹ 1,350 ₹ 10,000 ₹ 3,480
17 196 ₹ 29,000 ₹ 1,350 ₹ 10,000 ₹ 3,480
17 197 ₹ 29,000 ₹ 1,350 ₹ 10,000 ₹ 3,480
17 198 ₹ 29,000 ₹ 1,350 ₹ 10,000 ₹ 3,480
17 199 ₹ 29,000 ₹ 1,350 ₹ 10,000 ₹ 3,480
17 200 ₹ 29,000 ₹ 1,350 ₹ 10,000 ₹ 3,480
17 201 ₹ 29,000 ₹ 1,350 ₹ 10,000 ₹ 3,480
17 202 ₹ 29,000 ₹ 1,350 ₹ 10,000 ₹ 3,480
17 203 ₹ 29,000 ₹ 1,350 ₹ 10,000 ₹ 3,480
17 204 ₹ 29,000 ₹ 1,350 ₹ 10,000 ₹ 3,480
Totals ₹ 348,000 ₹ 16,200 ₹0 ₹ 120,000 ₹ 41,760
18 205 ₹ 30,000 ₹ 1,400 ₹ 10,000 ₹ 3,600
18 206 ₹ 30,000 ₹ 1,400 ₹ 10,000 ₹ 3,600
18 207 ₹ 30,000 ₹ 1,400 ₹ 10,000 ₹ 3,600
18 208 ₹ 30,000 ₹ 1,400 ₹ 10,000 ₹ 3,600
18 209 ₹ 30,000 ₹ 1,400 ₹ 10,000 ₹ 3,600
18 210 ₹ 30,000 ₹ 1,400 ₹ 10,000 ₹ 3,600
18 211 ₹ 30,000 ₹ 1,400 ₹ 10,000 ₹ 3,600
18 212 ₹ 30,000 ₹ 1,400 ₹ 10,000 ₹ 3,600
18 213 ₹ 30,000 ₹ 1,400 ₹ 10,000 ₹ 3,600
18 214 ₹ 30,000 ₹ 1,400 ₹ 10,000 ₹ 3,600
18 215 ₹ 30,000 ₹ 1,400 ₹ 10,000 ₹ 3,600
18 216 ₹ 30,000 ₹ 1,400 ₹ 10,000 ₹ 3,600
Totals ₹ 360,000 ₹ 16,800 ₹0 ₹ 120,000 ₹ 43,200
19 217 ₹ 30,000 ₹ 1,450 ₹ 10,500 ₹ 3,600
19 218 ₹ 30,000 ₹ 1,450 ₹ 10,500 ₹ 3,600
19 219 ₹ 30,000 ₹ 1,450 ₹ 10,500 ₹ 3,600
19 220 ₹ 30,000 ₹ 1,450 ₹ 10,500 ₹ 3,600
19 221 ₹ 30,000 ₹ 1,450 ₹ 10,500 ₹ 3,600
19 222 ₹ 30,000 ₹ 1,450 ₹ 10,500 ₹ 3,600
19 223 ₹ 30,000 ₹ 1,450 ₹ 10,500 ₹ 3,600
19 224 ₹ 30,000 ₹ 1,450 ₹ 10,500 ₹ 3,600
19 225 ₹ 30,000 ₹ 1,450 ₹ 10,500 ₹ 3,600
19 226 ₹ 30,000 ₹ 1,450 ₹ 10,500 ₹ 3,600
19 227 ₹ 30,000 ₹ 1,450 ₹ 10,500 ₹ 3,600
19 228 ₹ 30,000 ₹ 1,450 ₹ 10,500 ₹ 3,600
Totals ₹ 360,000 ₹ 17,400 ₹0 ₹ 126,000 ₹ 43,200
20 229 ₹ 31,000 ₹ 1,500 ₹ 10,500 ₹ 3,720
20 230 ₹ 31,000 ₹ 1,500 ₹ 10,500 ₹ 3,720
20 231 ₹ 31,000 ₹ 1,500 ₹ 10,500 ₹ 3,720
20 232 ₹ 31,000 ₹ 1,500 ₹ 10,500 ₹ 3,720
20 233 ₹ 31,000 ₹ 1,500 ₹ 10,500 ₹ 3,720
20 234 ₹ 31,000 ₹ 1,500 ₹ 10,500 ₹ 3,720
20 235 ₹ 31,000 ₹ 1,500 ₹ 10,500 ₹ 3,720
20 236 ₹ 31,000 ₹ 1,500 ₹ 10,500 ₹ 3,720
20 237 ₹ 31,000 ₹ 1,500 ₹ 10,500 ₹ 3,720
20 238 ₹ 31,000 ₹ 1,500 ₹ 10,500 ₹ 3,720
20 239 ₹ 31,000 ₹ 1,500 ₹ 10,500 ₹ 3,720
20 240 ₹ 31,000 ₹ 1,500 ₹ 10,500 ₹ 3,720
Totals ₹ 372,000 ₹ 18,000 ₹0 ₹ 126,000 ₹ 44,640
21 241 ₹ 31,000 ₹ 1,550 ₹ 10,500 ₹ 3,720
21 242 ₹ 31,000 ₹ 1,550 ₹ 10,500 ₹ 3,720
21 243 ₹ 31,000 ₹ 1,550 ₹ 10,500 ₹ 3,720
21 244 ₹ 31,000 ₹ 1,550 ₹ 10,500 ₹ 3,720
21 245 ₹ 31,000 ₹ 1,550 ₹ 10,500 ₹ 3,720
21 246 ₹ 31,000 ₹ 1,550 ₹ 10,500 ₹ 3,720
21 247 ₹ 31,000 ₹ 1,550 ₹ 10,500 ₹ 3,720
21 248 ₹ 31,000 ₹ 1,550 ₹ 10,500 ₹ 3,720
21 249 ₹ 31,000 ₹ 1,550 ₹ 10,500 ₹ 3,720
21 250 ₹ 31,000 ₹ 1,550 ₹ 10,500 ₹ 3,720
21 251 ₹ 31,000 ₹ 1,550 ₹ 10,500 ₹ 3,720
21 252 ₹ 31,000 ₹ 1,550 ₹ 10,500 ₹ 3,720
Totals ₹ 372,000 ₹ 18,600 ₹0 ₹ 126,000 ₹ 44,640
22 253 ₹ 32,000 ₹ 1,600 ₹ 10,500 ₹ 3,840
22 254 ₹ 32,000 ₹ 1,600 ₹ 10,500 ₹ 3,840
22 255 ₹ 32,000 ₹ 1,600 ₹ 10,500 ₹ 3,840
22 256 ₹ 32,000 ₹ 1,600 ₹ 10,500 ₹ 3,840
22 257 ₹ 32,000 ₹ 1,600 ₹ 10,500 ₹ 3,840
22 258 ₹ 32,000 ₹ 1,600 ₹ 10,500 ₹ 3,840
22 259 ₹ 32,000 ₹ 1,600 ₹ 10,500 ₹ 3,840
22 260 ₹ 32,000 ₹ 1,600 ₹ 10,500 ₹ 3,840
22 261 ₹ 32,000 ₹ 1,600 ₹ 10,500 ₹ 3,840
22 262 ₹ 32,000 ₹ 1,600 ₹ 10,500 ₹ 3,840
22 263 ₹ 32,000 ₹ 1,600 ₹ 10,500 ₹ 3,840
22 264 ₹ 32,000 ₹ 1,600 ₹ 10,500 ₹ 3,840
Totals ₹ 384,000 ₹ 19,200 ₹0 ₹ 126,000 ₹ 46,080
23 265 ₹ 32,000 ₹ 1,650 ₹ 10,500 ₹ 3,840
23 266 ₹ 32,000 ₹ 1,650 ₹ 10,500 ₹ 3,840
23 267 ₹ 32,000 ₹ 1,650 ₹ 10,500 ₹ 3,840
23 268 ₹ 32,000 ₹ 1,650 ₹ 10,500 ₹ 3,840
23 269 ₹ 32,000 ₹ 1,650 ₹ 10,500 ₹ 3,840
23 270 ₹ 32,000 ₹ 1,650 ₹ 10,500 ₹ 3,840
23 271 ₹ 32,000 ₹ 1,650 ₹ 10,500 ₹ 3,840
23 272 ₹ 32,000 ₹ 1,650 ₹ 10,500 ₹ 3,840
23 273 ₹ 32,000 ₹ 1,650 ₹ 10,500 ₹ 3,840
23 274 ₹ 32,000 ₹ 1,650 ₹ 10,500 ₹ 3,840
23 275 ₹ 32,000 ₹ 1,650 ₹ 10,500 ₹ 3,840
23 276 ₹ 32,000 ₹ 1,650 ₹ 10,500 ₹ 3,840
Totals ₹ 384,000 ₹ 19,800 ₹0 ₹ 126,000 ₹ 46,080
24 277 ₹ 33,000 ₹ 1,700 ₹ 11,000 ₹ 3,960
24 278 ₹ 33,000 ₹ 1,700 ₹ 11,000 ₹ 3,960
24 279 ₹ 33,000 ₹ 1,700 ₹ 11,000 ₹ 3,960
24 280 ₹ 33,000 ₹ 1,700 ₹ 11,000 ₹ 3,960
24 281 ₹ 33,000 ₹ 1,700 ₹ 11,000 ₹ 3,960
24 282 ₹ 33,000 ₹ 1,700 ₹ 11,000 ₹ 3,960
24 283 ₹ 33,000 ₹ 1,700 ₹ 11,000 ₹ 3,960
24 284 ₹ 33,000 ₹ 1,700 ₹ 11,000 ₹ 3,960
24 285 ₹ 33,000 ₹ 1,700 ₹ 11,000 ₹ 3,960
24 286 ₹ 33,000 ₹ 1,700 ₹ 11,000 ₹ 3,960
24 287 ₹ 33,000 ₹ 1,700 ₹ 11,000 ₹ 3,960
24 288 ₹ 33,000 ₹ 1,700 ₹ 11,000 ₹ 3,960
Totals ₹ 396,000 ₹ 20,400 ₹0 ₹ 132,000 ₹ 47,520
25 289 ₹ 33,000 ₹ 1,750 ₹ 11,000 ₹ 3,960
25 290 ₹ 33,000 ₹ 1,750 ₹ 11,000 ₹ 3,960
25 291 ₹ 33,000 ₹ 1,750 ₹ 11,000 ₹ 3,960
25 292 ₹ 33,000 ₹ 1,750 ₹ 11,000 ₹ 3,960
25 293 ₹ 33,000 ₹ 1,750 ₹ 11,000 ₹ 3,960
25 294 ₹ 33,000 ₹ 1,750 ₹ 11,000 ₹ 3,960
25 295 ₹ 33,000 ₹ 1,750 ₹ 11,000 ₹ 3,960
25 296 ₹ 33,000 ₹ 1,750 ₹ 11,000 ₹ 3,960
25 297 ₹ 33,000 ₹ 1,750 ₹ 11,000 ₹ 3,960
25 298 ₹ 33,000 ₹ 1,750 ₹ 11,000 ₹ 3,960
25 299 ₹ 33,000 ₹ 1,750 ₹ 11,000 ₹ 3,960
25 300 ₹ 33,000 ₹ 1,750 ₹ 11,000 ₹ 3,960
Totals ₹ 396,000 ₹ 21,000 ₹0 ₹ 132,000 ₹ 47,520
26 301 ₹ 34,000 ₹ 1,800 ₹ 11,000 ₹ 4,080
26 302 ₹ 34,000 ₹ 1,800 ₹ 11,000 ₹ 4,080
26 303 ₹ 34,000 ₹ 1,800 ₹ 11,000 ₹ 4,080
26 304 ₹ 34,000 ₹ 1,800 ₹ 11,000 ₹ 4,080
26 305 ₹ 34,000 ₹ 1,800 ₹ 11,000 ₹ 4,080
26 306 ₹ 34,000 ₹ 1,800 ₹ 11,000 ₹ 4,080
26 307 ₹ 34,000 ₹ 1,800 ₹ 11,000 ₹ 4,080
26 308 ₹ 34,000 ₹ 1,800 ₹ 11,000 ₹ 4,080
26 309 ₹ 34,000 ₹ 1,800 ₹ 11,000 ₹ 4,080
26 310 ₹ 34,000 ₹ 1,800 ₹ 11,000 ₹ 4,080
26 311 ₹ 34,000 ₹ 1,800 ₹ 11,000 ₹ 4,080
26 312 ₹ 34,000 ₹ 1,800 ₹ 11,000 ₹ 4,080
Totals ₹ 408,000 ₹ 21,600 ₹0 ₹ 132,000 ₹ 48,960
27 313 ₹ 34,000 ₹ 1,850 ₹ 12,000 ₹ 4,080
27 314 ₹ 34,000 ₹ 1,850 ₹ 12,000 ₹ 4,080
27 315 ₹ 34,000 ₹ 1,850 ₹ 12,000 ₹ 4,080
27 316 ₹ 34,000 ₹ 1,850 ₹ 12,000 ₹ 4,080
27 317 ₹ 34,000 ₹ 1,850 ₹ 12,000 ₹ 4,080
27 318 ₹ 34,000 ₹ 1,850 ₹ 12,000 ₹ 4,080
27 319 ₹ 34,000 ₹ 1,850 ₹ 12,000 ₹ 4,080
27 320 ₹ 34,000 ₹ 1,850 ₹ 12,000 ₹ 4,080
27 321 ₹ 34,000 ₹ 1,850 ₹ 12,000 ₹ 4,080
27 322 ₹ 34,000 ₹ 1,850 ₹ 12,000 ₹ 4,080
27 323 ₹ 34,000 ₹ 1,850 ₹ 12,000 ₹ 4,080
27 324 ₹ 34,000 ₹ 1,850 ₹ 12,000 ₹ 4,080
Totals ₹ 408,000 ₹ 22,200 ₹0 ₹ 144,000 ₹ 48,960
28 325 ₹ 35,000 ₹ 1,900 ₹ 12,000 ₹ 4,200
28 326 ₹ 35,000 ₹ 1,900 ₹ 12,000 ₹ 4,200
28 327 ₹ 35,000 ₹ 1,900 ₹ 12,000 ₹ 4,200
28 328 ₹ 35,000 ₹ 1,900 ₹ 12,000 ₹ 4,200
28 329 ₹ 35,000 ₹ 1,900 ₹ 12,000 ₹ 4,200
28 330 ₹ 35,000 ₹ 1,900 ₹ 12,000 ₹ 4,200
28 331 ₹ 35,000 ₹ 1,900 ₹ 12,000 ₹ 4,200
28 332 ₹ 35,000 ₹ 1,900 ₹ 12,000 ₹ 4,200
28 333 ₹ 35,000 ₹ 1,900 ₹ 12,000 ₹ 4,200
28 334 ₹ 35,000 ₹ 1,900 ₹ 12,000 ₹ 4,200
28 335 ₹ 35,000 ₹ 1,900 ₹ 12,000 ₹ 4,200
28 336 ₹ 35,000 ₹ 1,900 ₹ 12,000 ₹ 4,200
Totals ₹ 420,000 ₹ 22,800 ₹0 ₹ 144,000 ₹ 50,400
29 337 ₹ 35,000 ₹ 1,950 ₹ 12,000 ₹ 4,200
29 338 ₹ 35,000 ₹ 1,950 ₹ 12,000 ₹ 4,200
29 339 ₹ 35,000 ₹ 1,950 ₹ 12,000 ₹ 4,200
29 340 ₹ 35,000 ₹ 1,950 ₹ 12,000 ₹ 4,200
29 341 ₹ 35,000 ₹ 1,950 ₹ 12,000 ₹ 4,200
29 342 ₹ 35,000 ₹ 1,950 ₹ 12,000 ₹ 4,200
29 343 ₹ 35,000 ₹ 1,950 ₹ 12,000 ₹ 4,200
29 344 ₹ 35,000 ₹ 1,950 ₹ 12,000 ₹ 4,200
29 345 ₹ 35,000 ₹ 1,950 ₹ 12,000 ₹ 4,200
29 346 ₹ 35,000 ₹ 1,950 ₹ 12,000 ₹ 4,200
29 347 ₹ 35,000 ₹ 1,950 ₹ 12,000 ₹ 4,200
29 348 ₹ 35,000 ₹ 1,950 ₹ 12,000 ₹ 4,200
Totals ₹ 420,000 ₹ 23,400 ₹0 ₹ 144,000 ₹ 50,400
30 349 ₹ 36,000 ₹ 2,000 ₹ 12,000 ₹ 4,320
30 350 ₹ 36,000 ₹ 2,000 ₹ 12,000 ₹ 4,320
30 351 ₹ 36,000 ₹ 2,000 ₹ 12,000 ₹ 4,320
30 352 ₹ 36,000 ₹ 2,000 ₹ 12,000 ₹ 4,320
30 353 ₹ 36,000 ₹ 2,000 ₹ 12,000 ₹ 4,320
30 354 ₹ 36,000 ₹ 2,000 ₹ 12,000 ₹ 4,320
30 355 ₹ 36,000 ₹ 2,000 ₹ 12,000 ₹ 4,320
30 356 ₹ 36,000 ₹ 2,000 ₹ 12,000 ₹ 4,320
30 357 ₹ 36,000 ₹ 2,000 ₹ 12,000 ₹ 4,320
30 358 ₹ 36,000 ₹ 2,000 ₹ 12,000 ₹ 4,320
30 359 ₹ 36,000 ₹ 2,000 ₹ 12,000 ₹ 4,320
30 360 ₹ 36,000 ₹ 2,000 ₹ 12,000 ₹ 4,320
Totals ₹ 432,000 ₹ 24,000 ₹0 ₹ 144,000 ₹ 51,840
31 361 ₹ 36,000 ₹ 2,100 ₹ 12,000 ₹ 4,320
31 362 ₹ 36,000 ₹ 2,100 ₹ 12,000 ₹ 4,320
31 363 ₹ 36,000 ₹ 2,100 ₹ 12,000 ₹ 4,320
31 364 ₹ 36,000 ₹ 2,100 ₹ 12,000 ₹ 4,320
31 365 ₹ 36,000 ₹ 2,100 ₹ 12,000 ₹ 4,320
31 366 ₹ 36,000 ₹ 2,100 ₹ 12,000 ₹ 4,320
31 367 ₹ 36,000 ₹ 2,100 ₹ 12,000 ₹ 4,320
31 368 ₹ 36,000 ₹ 2,100 ₹ 12,000 ₹ 4,320
31 369 ₹ 36,000 ₹ 2,100 ₹ 12,000 ₹ 4,320
31 370 ₹ 36,000 ₹ 2,100 ₹ 12,000 ₹ 4,320
31 371 ₹ 36,000 ₹ 2,100 ₹ 12,000 ₹ 4,320
31 372 ₹ 36,000 ₹ 2,100 ₹ 12,000 ₹ 4,320
Totals ₹ 432,000 ₹ 25,200 ₹0 ₹ 144,000 ₹ 51,840
32 373 ₹ 37,000 ₹ 2,150 ₹ 12,000 ₹ 4,440
32 374 ₹ 37,000 ₹ 2,150 ₹ 12,000 ₹ 4,440
32 375 ₹ 37,000 ₹ 2,150 ₹ 12,000 ₹ 4,440
32 376 ₹ 37,000 ₹ 2,150 ₹ 12,000 ₹ 4,440
32 377 ₹ 37,000 ₹ 2,150 ₹ 12,000 ₹ 4,440
32 378 ₹ 37,000 ₹ 2,150 ₹ 12,000 ₹ 4,440
32 379 ₹ 37,000 ₹ 2,150 ₹ 12,000 ₹ 4,440
32 380 ₹ 37,000 ₹ 2,150 ₹ 12,000 ₹ 4,440
32 381 ₹ 37,000 ₹ 2,150 ₹ 12,000 ₹ 4,440
32 382 ₹ 37,000 ₹ 2,150 ₹ 12,000 ₹ 4,440
32 383 ₹ 37,000 ₹ 2,150 ₹ 12,000 ₹ 4,440
32 384 ₹ 37,000 ₹ 2,150 ₹ 12,000 ₹ 4,440
Totals ₹ 444,000 ₹ 25,800 ₹0 ₹ 144,000 ₹ 53,280
33 385 ₹ 37,000 ₹ 2,200 ₹ 12,000 ₹ 4,440
33 386 ₹ 37,000 ₹ 2,200 ₹ 12,000 ₹ 4,440
33 387 ₹ 37,000 ₹ 2,200 ₹ 12,000 ₹ 4,440
33 388 ₹ 37,000 ₹ 2,200 ₹ 12,000 ₹ 4,440
33 389 ₹ 37,000 ₹ 2,200 ₹ 12,000 ₹ 4,440
33 390 ₹ 37,000 ₹ 2,200 ₹ 12,000 ₹ 4,440
33 391 ₹ 37,000 ₹ 2,200 ₹ 12,000 ₹ 4,440
33 392 ₹ 37,000 ₹ 2,200 ₹ 12,000 ₹ 4,440
33 393 ₹ 37,000 ₹ 2,200 ₹ 12,000 ₹ 4,440
33 394 ₹ 37,000 ₹ 2,200 ₹ 12,000 ₹ 4,440
33 395 ₹ 37,000 ₹ 2,200 ₹ 12,000 ₹ 4,440
33 396 ₹ 37,000 ₹ 2,200 ₹ 12,000 ₹ 4,440
Totals ₹ 444,000 ₹ 26,400 ₹0 ₹ 144,000 ₹ 53,280
34 397 ₹ 38,000 ₹ 2,250 ₹ 12,000 ₹ 4,560
34 398 ₹ 38,000 ₹ 2,250 ₹ 12,000 ₹ 4,560
34 399 ₹ 38,000 ₹ 2,250 ₹ 12,000 ₹ 4,560
34 400 ₹ 38,000 ₹ 2,250 ₹ 12,000 ₹ 4,560
34 401 ₹ 38,000 ₹ 2,250 ₹ 12,000 ₹ 4,560
34 402 ₹ 38,000 ₹ 2,250 ₹ 12,000 ₹ 4,560
34 403 ₹ 38,000 ₹ 2,250 ₹ 12,000 ₹ 4,560
34 404 ₹ 38,000 ₹ 2,250 ₹ 12,000 ₹ 4,560
34 405 ₹ 38,000 ₹ 2,250 ₹ 12,000 ₹ 4,560
34 406 ₹ 38,000 ₹ 2,250 ₹ 12,000 ₹ 4,560
34 407 ₹ 38,000 ₹ 2,250 ₹ 12,000 ₹ 4,560
34 408 ₹ 38,000 ₹ 2,250 ₹ 12,000 ₹ 4,560
Totals ₹ 456,000 ₹ 27,000 ₹0 ₹ 144,000 ₹ 54,720
35 409 ₹ 38,000 ₹ 2,300 ₹ 12,000 ₹ 4,560
35 410 ₹ 38,000 ₹ 2,300 ₹ 12,000 ₹ 4,560
35 411 ₹ 38,000 ₹ 2,300 ₹ 12,000 ₹ 4,560
35 412 ₹ 38,000 ₹ 2,300 ₹ 12,000 ₹ 4,560
35 413 ₹ 38,000 ₹ 2,300 ₹ 12,000 ₹ 4,560
35 414 ₹ 38,000 ₹ 2,300 ₹ 12,000 ₹ 4,560
35 415 ₹ 38,000 ₹ 2,300 ₹ 12,000 ₹ 4,560
35 416 ₹ 38,000 ₹ 2,300 ₹ 12,000 ₹ 4,560
35 417 ₹ 38,000 ₹ 2,300 ₹ 12,000 ₹ 4,560
35 418 ₹ 38,000 ₹ 2,300 ₹ 12,000 ₹ 4,560
35 419 ₹ 38,000 ₹ 2,300 ₹ 12,000 ₹ 4,560
35 420 ₹ 38,000 ₹ 2,300 ₹ 12,000 ₹ 4,560
Totals ₹ 456,000 ₹ 27,600 ₹0 ₹ 144,000 ₹ 54,720

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 grow over a period of time. You can inv
PPF has a lock in of 15 years. After the initial lock in, you can renew it for 5 years without investing anything new in it. You just need to inform your bank
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. You can then invest this in other investm
National Pension Scheme has a mandatory lock in till you are 60 years. So, you will have to continue investing in it till you are 60 years.
Out of the NPS maturity, 60% can be withdrawn tax free. The balance 40% will have to be used to buy a pension plan that will pay you a monthly pensio
tay invested. When you stay invested, you keep earning additional income on it without doing anything extra for it
NPS Total investment Balance in Hand
₹ 10,400 ₹ 9,000
₹ 10,400 ₹ 9,000
₹ 10,400 ₹ 9,000
₹ 10,400 ₹ 9,000
₹ 10,400 ₹ 9,000
₹ 10,400 ₹ 9,000
₹ 10,400 ₹ 9,000
₹ 10,400 ₹ 9,000
₹ 2,000 ₹ 12,400 ₹ 7,000
₹ 2,000 ₹ 12,400 ₹ 7,000
₹ 2,000 ₹ 12,400 ₹ 7,000
₹ 2,000 ₹ 12,400 ₹ 7,000
₹ 8,000 ₹ 132,800 ₹ 100,000 Health insurance
₹ 500,000
₹ 500 ₹ 10,020 ₹ 10,305
₹ 500 ₹ 10,020 ₹ 10,305
₹ 500 ₹ 10,020 ₹ 10,305
₹ 500 ₹ 10,020 ₹ 10,305
₹ 500 ₹ 10,020 ₹ 10,305
₹ 500 ₹ 10,020 ₹ 10,305
₹ 500 ₹ 10,020 ₹ 10,305
₹ 500 ₹ 10,020 ₹ 10,305
₹ 500 ₹ 10,020 ₹ 10,305
₹ 500 ₹ 10,020 ₹ 10,305
₹ 500 ₹ 10,020 ₹ 10,305
₹ 500 ₹ 10,020 ₹ 10,305
₹ 6,000 ₹ 120,240 ₹ 123,660 Health insurance
₹ 500,000
₹ 500 ₹ 11,140 ₹ 10,160
 ₹ 500 ₹ 11,140 ₹ 10,160
₹ 500 ₹ 11,140 ₹ 10,160
₹ 500 ₹ 11,140 ₹ 10,160
₹ 500 ₹ 11,140 ₹ 10,160
₹ 500 ₹ 11,140 ₹ 10,160
₹ 500 ₹ 11,140 ₹ 10,160
₹ 500 ₹ 11,140 ₹ 10,160
₹ 500 ₹ 11,140 ₹ 10,160
₹ 500 ₹ 11,140 ₹ 10,160
₹ 500 ₹ 11,140 ₹ 10,160
₹ 500 ₹ 11,140 ₹ 10,160
₹ 6,000 ₹ 133,680 ₹ 121,920 Health insurance
₹ 500,000
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 6,000 ₹ 135,120 ₹ 131,880 Health insurance
₹ 500,000
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
 ₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 11,260 ₹ 10,990
₹ 500 ₹ 12,260 ₹ 9,990
₹ 6,000 ₹ 136,120 ₹ 130,880 Health insurance
₹ 500,000
₹ 500 ₹ 12,380 ₹ 10,820
₹ 500 ₹ 12,380 ₹ 10,820
₹ 500 ₹ 12,380 ₹ 10,820
₹ 500 ₹ 12,380 ₹ 10,820
₹ 500 ₹ 12,380 ₹ 10,820
₹ 500 ₹ 12,380 ₹ 10,820
₹ 500 ₹ 12,380 ₹ 10,820
₹ 500 ₹ 12,380 ₹ 10,820
₹ 500 ₹ 12,380 ₹ 10,820
₹ 500 ₹ 12,380 ₹ 10,820
₹ 500 ₹ 12,380 ₹ 10,820
₹ 500 ₹ 12,380 ₹ 10,820
₹ 6,000 ₹ 148,560 ₹ 129,840 Health insurance
₹ 500,000
₹ 500 ₹ 12,500 ₹ 11,650
₹ 500 ₹ 12,500 ₹ 11,650
₹ 500 ₹ 12,500 ₹ 11,650
₹ 500 ₹ 12,500 ₹ 11,650
₹ 500 ₹ 12,500 ₹ 11,650
₹ 500 ₹ 12,500 ₹ 11,650
₹ 500 ₹ 12,500 ₹ 11,650
₹ 500 ₹ 12,500 ₹ 11,650
₹ 500 ₹ 12,500 ₹ 11,650
 ₹ 500 ₹ 12,500 ₹ 11,650
₹ 500 ₹ 12,500 ₹ 11,650
₹ 500 ₹ 12,500 ₹ 11,650
₹ 6,000 ₹ 150,000 ₹ 139,800 Health insurance
₹ 500,000
₹ 500 ₹ 11,500 ₹ 12,600
₹ 500 ₹ 11,500 ₹ 12,600
₹ 500 ₹ 11,500 ₹ 12,600
₹ 500 ₹ 11,500 ₹ 12,600
₹ 500 ₹ 11,500 ₹ 12,600
₹ 500 ₹ 11,500 ₹ 12,600
₹ 500 ₹ 11,500 ₹ 12,600
₹ 500 ₹ 11,500 ₹ 12,600
₹ 500 ₹ 11,500 ₹ 12,600
₹ 500 ₹ 11,500 ₹ 12,600
₹ 500 ₹ 11,500 ₹ 12,600
₹ 500 ₹ 11,500 ₹ 12,600
₹ 6,000 ₹ 138,000 ₹ 151,200 Health insurance
₹ 500,000
₹ 500 ₹ 11,500 ₹ 12,550
₹ 500 ₹ 11,500 ₹ 12,550
₹ 500 ₹ 11,500 ₹ 12,550
₹ 500 ₹ 11,500 ₹ 12,550
₹ 500 ₹ 11,500 ₹ 12,550
₹ 500 ₹ 11,500 ₹ 12,550
₹ 500 ₹ 11,500 ₹ 12,550
₹ 500 ₹ 11,500 ₹ 12,550
₹ 500 ₹ 11,500 ₹ 12,550
₹ 500 ₹ 11,500 ₹ 12,550
₹ 500 ₹ 11,500 ₹ 12,550
₹ 500 ₹ 11,500 ₹ 12,550
₹ 6,000 ₹ 138,000 ₹ 150,600 Health insurance
 ₹ 500,000
₹ 500 ₹ 12,120 ₹ 12,880
₹ 500 ₹ 12,120 ₹ 12,880
₹ 500 ₹ 12,120 ₹ 12,880
₹ 500 ₹ 12,120 ₹ 12,880
₹ 500 ₹ 12,120 ₹ 12,880
₹ 500 ₹ 12,120 ₹ 12,880
₹ 500 ₹ 12,120 ₹ 12,880
₹ 500 ₹ 12,120 ₹ 12,880
₹ 500 ₹ 12,120 ₹ 12,880
₹ 500 ₹ 12,120 ₹ 12,880
₹ 500 ₹ 12,120 ₹ 12,880
₹ 500 ₹ 12,120 ₹ 12,880
₹ 6,000 ₹ 145,440 ₹ 154,560 Health insurance
₹ 500,000
₹ 500 ₹ 12,620 ₹ 12,330
₹ 500 ₹ 12,620 ₹ 12,330
₹ 500 ₹ 12,620 ₹ 12,330
₹ 500 ₹ 12,620 ₹ 12,330
₹ 500 ₹ 12,620 ₹ 12,330
₹ 500 ₹ 12,620 ₹ 12,330
₹ 500 ₹ 12,620 ₹ 12,330
₹ 500 ₹ 12,620 ₹ 12,330
₹ 500 ₹ 12,620 ₹ 12,330
₹ 500 ₹ 12,620 ₹ 12,330
₹ 500 ₹ 12,620 ₹ 12,330
₹ 500 ₹ 12,620 ₹ 12,330
₹ 6,000 ₹ 151,440 ₹ 147,960 Health insurance
₹ 600,000
₹ 500 ₹ 13,240 ₹ 12,660
₹ 500 ₹ 13,240 ₹ 12,660
₹ 500 ₹ 13,240 ₹ 12,660
 ₹ 500 ₹ 13,240 ₹ 12,660
₹ 500 ₹ 13,240 ₹ 12,660
₹ 500 ₹ 13,240 ₹ 12,660
₹ 500 ₹ 13,240 ₹ 12,660
₹ 500 ₹ 13,240 ₹ 12,660
₹ 500 ₹ 13,240 ₹ 12,660
₹ 500 ₹ 13,240 ₹ 12,660
₹ 500 ₹ 13,240 ₹ 12,660
₹ 500 ₹ 13,240 ₹ 12,660
₹ 6,000 ₹ 158,880 ₹ 151,920 Health insurance
₹ 600,000
₹ 500 ₹ 13,240 ₹ 12,610
₹ 500 ₹ 13,240 ₹ 12,610
₹ 500 ₹ 13,240 ₹ 12,610
₹ 500 ₹ 13,240 ₹ 12,610
₹ 500 ₹ 13,240 ₹ 12,610
₹ 500 ₹ 13,240 ₹ 12,610
₹ 500 ₹ 13,240 ₹ 12,610
₹ 500 ₹ 13,240 ₹ 12,610
₹ 500 ₹ 13,240 ₹ 12,610
₹ 500 ₹ 13,240 ₹ 12,610
₹ 500 ₹ 13,240 ₹ 12,610
₹ 500 ₹ 13,240 ₹ 12,610
₹ 6,000 ₹ 158,880 ₹ 151,320 Health insurance
₹ 600,000
₹ 500 ₹ 13,860 ₹ 12,940
₹ 500 ₹ 13,860 ₹ 12,940
₹ 500 ₹ 13,860 ₹ 12,940
₹ 500 ₹ 13,860 ₹ 12,940
₹ 500 ₹ 13,860 ₹ 12,940
₹ 500 ₹ 13,860 ₹ 12,940
₹ 500 ₹ 13,860 ₹ 12,940
 ₹ 500 ₹ 13,860 ₹ 12,940
₹ 500 ₹ 13,860 ₹ 12,940
₹ 500 ₹ 13,860 ₹ 12,940
₹ 500 ₹ 13,860 ₹ 12,940
₹ 500 ₹ 13,860 ₹ 12,940
₹ 6,000 ₹ 166,320 ₹ 155,280 Health insurance
₹ 600,000
₹ 500 ₹ 14,360 ₹ 12,390
₹ 500 ₹ 14,360 ₹ 12,390
₹ 500 ₹ 14,360 ₹ 12,390
₹ 500 ₹ 14,360 ₹ 12,390
₹ 500 ₹ 14,360 ₹ 12,390
₹ 500 ₹ 14,360 ₹ 12,390
₹ 500 ₹ 14,360 ₹ 12,390
₹ 500 ₹ 14,360 ₹ 12,390
₹ 500 ₹ 14,360 ₹ 12,390
₹ 500 ₹ 14,360 ₹ 12,390
₹ 500 ₹ 14,360 ₹ 12,390
₹ 500 ₹ 14,360 ₹ 12,390
₹ 6,000 ₹ 172,320 ₹ 148,680 Health insurance
₹ 600,000
₹ 500 ₹ 14,480 ₹ 13,220
₹ 500 ₹ 14,480 ₹ 13,220
₹ 500 ₹ 14,480 ₹ 13,220
₹ 500 ₹ 14,480 ₹ 13,220
₹ 500 ₹ 14,480 ₹ 13,220
₹ 500 ₹ 14,480 ₹ 13,220
₹ 500 ₹ 14,480 ₹ 13,220
₹ 500 ₹ 14,480 ₹ 13,220
₹ 500 ₹ 14,480 ₹ 13,220
₹ 500 ₹ 14,480 ₹ 13,220
₹ 500 ₹ 14,480 ₹ 13,220
 ₹ 500 ₹ 14,480 ₹ 13,220
₹ 6,000 ₹ 173,760 ₹ 158,640 Health insurance
₹ 600,000
₹ 500 ₹ 13,980 ₹ 13,670
₹ 500 ₹ 13,980 ₹ 13,670
₹ 500 ₹ 13,980 ₹ 13,670
₹ 500 ₹ 13,980 ₹ 13,670
₹ 500 ₹ 13,980 ₹ 13,670
₹ 500 ₹ 13,980 ₹ 13,670
₹ 500 ₹ 13,980 ₹ 13,670
₹ 500 ₹ 13,980 ₹ 13,670
₹ 500 ₹ 13,980 ₹ 13,670
₹ 500 ₹ 13,980 ₹ 13,670
₹ 500 ₹ 13,980 ₹ 13,670
₹ 500 ₹ 13,980 ₹ 13,670
₹ 6,000 ₹ 167,760 ₹ 164,040 Health insurance
₹ 600,000
₹ 500 ₹ 14,100 ₹ 14,500
₹ 500 ₹ 14,100 ₹ 14,500
₹ 500 ₹ 14,100 ₹ 14,500
₹ 500 ₹ 14,100 ₹ 14,500
₹ 500 ₹ 14,100 ₹ 14,500
₹ 500 ₹ 14,100 ₹ 14,500
₹ 500 ₹ 14,100 ₹ 14,500
₹ 500 ₹ 14,100 ₹ 14,500
₹ 500 ₹ 14,100 ₹ 14,500
₹ 500 ₹ 14,100 ₹ 14,500
₹ 500 ₹ 14,100 ₹ 14,500
₹ 500 ₹ 14,100 ₹ 14,500
₹ 6,000 ₹ 169,200 ₹ 174,000 Health insurance
₹ 600,000
₹ 500 ₹ 14,600 ₹ 13,950
 ₹ 500 ₹ 14,600 ₹ 13,950
₹ 500 ₹ 14,600 ₹ 13,950
₹ 500 ₹ 14,600 ₹ 13,950
₹ 500 ₹ 14,600 ₹ 13,950
₹ 500 ₹ 14,600 ₹ 13,950
₹ 500 ₹ 14,600 ₹ 13,950
₹ 500 ₹ 14,600 ₹ 13,950
₹ 500 ₹ 14,600 ₹ 13,950
₹ 500 ₹ 14,600 ₹ 13,950
₹ 500 ₹ 14,600 ₹ 13,950
₹ 500 ₹ 14,600 ₹ 13,950
₹ 6,000 ₹ 175,200 ₹ 167,400 Health insurance
₹ 600,000
₹ 500 ₹ 14,720 ₹ 14,780
₹ 500 ₹ 14,720 ₹ 14,780
₹ 500 ₹ 14,720 ₹ 14,780
₹ 500 ₹ 14,720 ₹ 14,780
₹ 500 ₹ 14,720 ₹ 14,780
₹ 500 ₹ 14,720 ₹ 14,780
₹ 500 ₹ 14,720 ₹ 14,780
₹ 500 ₹ 14,720 ₹ 14,780
₹ 500 ₹ 14,720 ₹ 14,780
₹ 500 ₹ 14,720 ₹ 14,780
₹ 500 ₹ 14,720 ₹ 14,780
₹ 500 ₹ 14,720 ₹ 14,780
₹ 6,000 ₹ 176,640 ₹ 177,360 Health insurance
₹ 700,000
₹ 500 ₹ 14,720 ₹ 14,730
₹ 500 ₹ 14,720 ₹ 14,730
₹ 500 ₹ 14,720 ₹ 14,730
₹ 500 ₹ 14,720 ₹ 14,730
₹ 500 ₹ 14,720 ₹ 14,730
 ₹ 500 ₹ 14,720 ₹ 14,730
₹ 500 ₹ 14,720 ₹ 14,730
₹ 500 ₹ 14,720 ₹ 14,730
₹ 500 ₹ 14,720 ₹ 14,730
₹ 500 ₹ 14,720 ₹ 14,730
₹ 500 ₹ 14,720 ₹ 14,730
₹ 500 ₹ 14,720 ₹ 14,730
₹ 6,000 ₹ 176,640 ₹ 176,760 Health insurance
₹ 700,000
₹ 500 ₹ 14,840 ₹ 15,560
₹ 500 ₹ 14,840 ₹ 15,560
₹ 500 ₹ 14,840 ₹ 15,560
₹ 500 ₹ 14,840 ₹ 15,560
₹ 500 ₹ 14,840 ₹ 15,560
₹ 500 ₹ 14,840 ₹ 15,560
₹ 500 ₹ 14,840 ₹ 15,560
₹ 500 ₹ 14,840 ₹ 15,560
₹ 500 ₹ 14,840 ₹ 15,560
₹ 500 ₹ 14,840 ₹ 15,560
₹ 500 ₹ 14,840 ₹ 15,560
₹ 500 ₹ 14,840 ₹ 15,560
₹ 6,000 ₹ 178,080 ₹ 186,720 Health insurance
₹ 700,000
₹ 500 ₹ 14,840 ₹ 15,510
₹ 500 ₹ 14,840 ₹ 15,510
₹ 500 ₹ 14,840 ₹ 15,510
₹ 500 ₹ 14,840 ₹ 15,510
₹ 500 ₹ 14,840 ₹ 15,510
₹ 500 ₹ 14,840 ₹ 15,510
₹ 500 ₹ 14,840 ₹ 15,510
₹ 500 ₹ 14,840 ₹ 15,510
₹ 500 ₹ 14,840 ₹ 15,510
 ₹ 500 ₹ 14,840 ₹ 15,510
₹ 500 ₹ 14,840 ₹ 15,510
₹ 500 ₹ 14,840 ₹ 15,510
₹ 6,000 ₹ 178,080 ₹ 186,120 Health insurance
₹ 700,000
₹ 500 ₹ 15,460 ₹ 15,840
₹ 500 ₹ 15,460 ₹ 15,840
₹ 500 ₹ 15,460 ₹ 15,840
₹ 500 ₹ 15,460 ₹ 15,840
₹ 500 ₹ 15,460 ₹ 15,840
₹ 500 ₹ 15,460 ₹ 15,840
₹ 500 ₹ 15,460 ₹ 15,840
₹ 500 ₹ 15,460 ₹ 15,840
₹ 500 ₹ 15,460 ₹ 15,840
₹ 500 ₹ 15,460 ₹ 15,840
₹ 500 ₹ 15,460 ₹ 15,840
₹ 500 ₹ 15,460 ₹ 15,840
₹ 6,000 ₹ 185,520 ₹ 190,080 Health insurance
₹ 700,000
₹ 500 ₹ 15,460 ₹ 15,790
₹ 500 ₹ 15,460 ₹ 15,790
₹ 500 ₹ 15,460 ₹ 15,790
₹ 500 ₹ 15,460 ₹ 15,790
₹ 500 ₹ 15,460 ₹ 15,790
₹ 500 ₹ 15,460 ₹ 15,790
₹ 500 ₹ 15,460 ₹ 15,790
₹ 500 ₹ 15,460 ₹ 15,790
₹ 500 ₹ 15,460 ₹ 15,790
₹ 500 ₹ 15,460 ₹ 15,790
₹ 500 ₹ 15,460 ₹ 15,790
₹ 500 ₹ 15,460 ₹ 15,790
₹ 6,000 ₹ 185,520 ₹ 189,480 Health insurance
 ₹ 700,000
₹ 500 ₹ 15,580 ₹ 16,620
₹ 500 ₹ 15,580 ₹ 16,620
₹ 500 ₹ 15,580 ₹ 16,620
₹ 500 ₹ 15,580 ₹ 16,620
₹ 500 ₹ 15,580 ₹ 16,620
₹ 500 ₹ 15,580 ₹ 16,620
₹ 500 ₹ 15,580 ₹ 16,620
₹ 500 ₹ 15,580 ₹ 16,620
₹ 500 ₹ 15,580 ₹ 16,620
₹ 500 ₹ 15,580 ₹ 16,620
₹ 500 ₹ 15,580 ₹ 16,620
₹ 500 ₹ 15,580 ₹ 16,620
₹ 6,000 ₹ 186,960 ₹ 199,440 Health insurance
₹ 700,000
₹ 500 ₹ 16,580 ₹ 15,570
₹ 500 ₹ 16,580 ₹ 15,570
₹ 500 ₹ 16,580 ₹ 15,570
₹ 500 ₹ 16,580 ₹ 15,570
₹ 500 ₹ 16,580 ₹ 15,570
₹ 500 ₹ 16,580 ₹ 15,570
₹ 500 ₹ 16,580 ₹ 15,570
₹ 500 ₹ 16,580 ₹ 15,570
₹ 500 ₹ 16,580 ₹ 15,570
₹ 500 ₹ 16,580 ₹ 15,570
₹ 500 ₹ 16,580 ₹ 15,570
₹ 500 ₹ 16,580 ₹ 15,570
₹ 6,000 ₹ 198,960 ₹ 186,840 Health insurance
₹ 700,000
₹ 500 ₹ 16,700 ₹ 16,400
₹ 500 ₹ 16,700 ₹ 16,400
₹ 500 ₹ 16,700 ₹ 16,400
 ₹ 500 ₹ 16,700 ₹ 16,400
₹ 500 ₹ 16,700 ₹ 16,400
₹ 500 ₹ 16,700 ₹ 16,400
₹ 500 ₹ 16,700 ₹ 16,400
₹ 500 ₹ 16,700 ₹ 16,400
₹ 500 ₹ 16,700 ₹ 16,400
₹ 500 ₹ 16,700 ₹ 16,400
₹ 500 ₹ 16,700 ₹ 16,400
₹ 500 ₹ 16,700 ₹ 16,400
₹ 6,000 ₹ 200,400 ₹ 196,800 Health insurance
₹ 700,000
₹ 500 ₹ 16,700 ₹ 16,350
₹ 500 ₹ 16,700 ₹ 16,350
₹ 500 ₹ 16,700 ₹ 16,350
₹ 500 ₹ 16,700 ₹ 16,350
₹ 500 ₹ 16,700 ₹ 16,350
₹ 500 ₹ 16,700 ₹ 16,350
₹ 500 ₹ 16,700 ₹ 16,350
₹ 500 ₹ 16,700 ₹ 16,350
₹ 500 ₹ 16,700 ₹ 16,350
₹ 500 ₹ 16,700 ₹ 16,350
₹ 500 ₹ 16,700 ₹ 16,350
₹ 500 ₹ 16,700 ₹ 16,350
₹ 6,000 ₹ 200,400 ₹ 196,200 Health insurance
₹ 700,000
₹ 500 ₹ 16,820 ₹ 17,180
₹ 500 ₹ 16,820 ₹ 17,180
₹ 500 ₹ 16,820 ₹ 17,180
₹ 500 ₹ 16,820 ₹ 17,180
₹ 500 ₹ 16,820 ₹ 17,180
₹ 500 ₹ 16,820 ₹ 17,180
₹ 500 ₹ 16,820 ₹ 17,180
 ₹ 500 ₹ 16,820 ₹ 17,180
₹ 500 ₹ 16,820 ₹ 17,180
₹ 500 ₹ 16,820 ₹ 17,180
₹ 500 ₹ 16,820 ₹ 17,180
₹ 500 ₹ 16,820 ₹ 17,180
₹ 6,000 ₹ 201,840 ₹ 206,160 Health insurance
₹ 800,000
₹ 500 ₹ 16,820 ₹ 17,080
₹ 500 ₹ 16,820 ₹ 17,080
₹ 500 ₹ 16,820 ₹ 17,080
₹ 500 ₹ 16,820 ₹ 17,080
₹ 500 ₹ 16,820 ₹ 17,080
₹ 500 ₹ 16,820 ₹ 17,080
₹ 500 ₹ 16,820 ₹ 17,080
₹ 500 ₹ 16,820 ₹ 17,080
₹ 500 ₹ 16,820 ₹ 17,080
₹ 500 ₹ 16,820 ₹ 17,080
₹ 500 ₹ 16,820 ₹ 17,080
₹ 500 ₹ 16,820 ₹ 17,080
₹ 6,000 ₹ 201,840 ₹ 204,960 Health insurance
₹ 800,000
₹ 500 ₹ 16,940 ₹ 17,910
₹ 500 ₹ 16,940 ₹ 17,910
₹ 500 ₹ 16,940 ₹ 17,910
₹ 500 ₹ 16,940 ₹ 17,910
₹ 500 ₹ 16,940 ₹ 17,910
₹ 500 ₹ 16,940 ₹ 17,910
₹ 500 ₹ 16,940 ₹ 17,910
₹ 500 ₹ 16,940 ₹ 17,910
₹ 500 ₹ 16,940 ₹ 17,910
₹ 500 ₹ 16,940 ₹ 17,910
₹ 500 ₹ 16,940 ₹ 17,910
 ₹ 500 ₹ 16,940 ₹ 17,910
₹ 6,000 ₹ 203,280 ₹ 214,920 Health insurance
₹ 800,000
₹ 500 ₹ 16,940 ₹ 17,860
₹ 500 ₹ 16,940 ₹ 17,860
₹ 500 ₹ 16,940 ₹ 17,860
₹ 500 ₹ 16,940 ₹ 17,860
₹ 500 ₹ 16,940 ₹ 17,860
₹ 500 ₹ 16,940 ₹ 17,860
₹ 500 ₹ 16,940 ₹ 17,860
₹ 500 ₹ 16,940 ₹ 17,860
₹ 500 ₹ 16,940 ₹ 17,860
₹ 500 ₹ 16,940 ₹ 17,860
₹ 500 ₹ 16,940 ₹ 17,860
₹ 500 ₹ 16,940 ₹ 17,860
₹ 6,000 ₹ 203,280 ₹ 214,320 Health insurance
₹ 800,000
₹ 500 ₹ 17,060 ₹ 18,690
₹ 500 ₹ 17,060 ₹ 18,690
₹ 500 ₹ 17,060 ₹ 18,690
₹ 500 ₹ 17,060 ₹ 18,690
₹ 500 ₹ 17,060 ₹ 18,690
₹ 500 ₹ 17,060 ₹ 18,690
₹ 500 ₹ 17,060 ₹ 18,690
₹ 500 ₹ 17,060 ₹ 18,690
₹ 500 ₹ 17,060 ₹ 18,690
₹ 500 ₹ 17,060 ₹ 18,690
₹ 500 ₹ 17,060 ₹ 18,690
₹ 500 ₹ 17,060 ₹ 18,690
₹ 6,000 ₹ 204,720 ₹ 224,280 Health insurance
₹ 800,000
₹ 500 ₹ 17,060 ₹ 18,640
 ₹ 500 ₹ 17,060 ₹ 18,640
₹ 500 ₹ 17,060 ₹ 18,640
₹ 500 ₹ 17,060 ₹ 18,640
₹ 500 ₹ 17,060 ₹ 18,640
₹ 500 ₹ 17,060 ₹ 18,640
₹ 500 ₹ 17,060 ₹ 18,640
₹ 500 ₹ 17,060 ₹ 18,640
₹ 500 ₹ 17,060 ₹ 18,640
₹ 500 ₹ 17,060 ₹ 18,640
₹ 500 ₹ 17,060 ₹ 18,640
₹ 500 ₹ 17,060 ₹ 18,640
₹ 6,000 ₹ 204,720 ₹ 223,680 Health insurance
₹ 800,000

riod of time. You can invest and forget about it

eed to inform your bank or post office about your decision.

vest this in other investments like mutual funds or even PPF.

ay you a monthly pension. This pension is taxable.

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment
₹ 72,000 ₹ 28,800 ₹ 24,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 84,000 ₹ 59,040 ₹ 96,000
Short Term (emergency) Medium Term (PPF) Mutual Fund Investment
₹ 96,000 ₹ 90,720 ₹ 180,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 108,000 ₹ 123,840 ₹ 264,000
Short Term (emergency) Medium Term (PPF) Mutual Fund Investment
₹ 120,000 ₹ 156,960 ₹ 349,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 132,000 ₹ 191,520 ₹ 445,000
Short Term (emergency) Medium Term (PPF) Mutual Fund Investment
₹ 142,000 ₹ 227,520 ₹ 543,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 142,000 ₹ 263,520 ₹ 639,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

 ₹ 142,000 ₹ 299,520 ₹ 735,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 142,000 ₹ 336,960 ₹ 837,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 142,000 ₹ 374,400 ₹ 945,000
Short Term (emergency) Medium Term (PPF) Mutual Fund Investment
₹ 142,000 ₹ 413,280 ₹ 1,059,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 142,000 ₹ 452,160 ₹ 1,173,000
Short Term (emergency) Medium Term (PPF) Mutual Fund Investment
₹ 142,000 ₹ 492,480 ₹ 1,293,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 148,000 ₹ 532,800 ₹ 1,413,000
PPF MATURES IN 15 YEARS, BUT CAN BE RENEWED
IT IS RENEWED FOR 5 YEARS AT A TIME
Short Term (emergency) Medium Term (PPF) Mutual Fund Investment
₹ 154,000 ₹ 574,560 ₹ 1,533,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 154,000 ₹ 616,320 ₹ 1,653,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 154,000 ₹ 659,520 ₹ 1,773,000
Short Term (emergency) Medium Term (PPF) Mutual Fund Investment
₹ 154,000 ₹ 702,720 ₹ 1,899,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 154,000 ₹ 747,360 ₹ 2,025,000
Short Term (emergency) Medium Term (PPF) Mutual Fund Investment
₹ 154,000 ₹ 792,000 ₹ 2,151,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 154,000 ₹ 838,080 ₹ 2,277,000
Short Term (emergency) Medium Term (PPF) Mutual Fund Investment
₹ 154,000 ₹ 884,160 ₹ 2,403,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 154,000 ₹ 931,680 ₹ 2,535,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

 ₹ 154,000 ₹ 979,200 ₹ 2,667,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 154,000 ₹ 1,028,160 ₹ 2,799,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 154,000 ₹ 1,077,120 ₹ 2,943,000
Short Term (emergency) Medium Term (PPF) Mutual Fund Investment
₹ 154,000 ₹ 1,127,520 ₹ 3,087,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 154,000 ₹ 1,177,920 ₹ 3,231,000
Short Term (emergency) Medium Term (PPF) Mutual Fund Investment
₹ 154,000 ₹ 1,229,760 ₹ 3,375,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 154,000 ₹ 1,281,600 ₹ 3,519,000
Short Term (emergency) Medium Term (PPF) Mutual Fund Investment
₹ 154,000 ₹ 1,334,880 ₹ 3,663,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 154,000 ₹ 1,388,160 ₹ 3,807,000

Short Term (emergency) Medium Term (PPF) Mutual Fund Investment

₹ 154,000 ₹ 1,442,880 ₹ 3,951,000
Short Term (emergency) Medium Term (PPF) Mutual Fund Investment
₹ 154,000 ₹ 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 Adjusting for Inflation

PPF ₹ 1,497,600 ₹ 6,474,789 ₹ 1,800,870 PPF Calculator - Public Provident Fund C

EPF ₹ 1,497,600 ₹ 15,231,924 ₹ 3,682,173 EPF Calculator - Employee Provident Fu
Mutual Funds ₹ 4,095,000 ₹ 41,495,919 ₹ 11,566,553 Step up SIP Calculator | SIP Calculator (f
National Pension Scheme ₹ 212,000 ₹ 2,650,000 ₹ 674,217 Pension Calculator | NPS Trust
Total ₹ 5,804,600 ₹ 59,377,843 ₹ 15,922,943

Value considering EPF investment ₹ 59,377,843 ₹ 15,922,943

Value considering PPF investment ₹ 50,620,708 ₹ 14,041,640

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 approximation
If you stay invested in your mutual funds then your investment will keep growing as time passes.
ulator - Public Provident Fund Calculator Online | PPF Investment Calculator (groww.in)
ulator - Employee Provident Fund (EPF) Calculator | Scripbox
IP Calculator | SIP Calculator (finology.in)
Calculator | NPS Trust
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)
Golden Rule No 1: No Bad Loans
Bad loans are loans that don't end up giving you an appreciating asset. In
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

OKAY Home Loans

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

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