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te SIP
as per
needs .
..
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SIP
Table
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Need
Calculat
Delay
or ...in
Cost
starting
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...
e using
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Disclamer
This dynamic calculator is produced
throughrisk.
seriesPlease
a of mathematical
are subject to market read the offer
formulas. Utmost care is taken in
document carefully before investing.
creating the formulas. Certain
assumptions are made in making the
Calculator. The output so generated
only helps the investors in making
investment decisions. It may not or
may not be suited to your needs or
according to your own assumptions.
NJ IndiaInvest Pvt Ltd nor any of it
All rights are reserved. No
employees or Partners are not
unathorised, copying, editing,
responsible
The for any
Calculator losses arising by
is develop
distributions, rebranding, etc is
the usage of these plan, or for any
permissible of this tool. Any
investments taken on its basis.
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towards NJ IndiaInvest Pvt. Ltd.,
the sole owner/user of this tool. NJ
Fundz Network is a part of NJ
IndiaInvest Pvt. Ltd.
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SYSTEMATIC INVESTMENT PLAN

Returns Calculator

Monthly Investment Amount Rs. 3,400,000 /-

Investment Period In Years 10

Returns Expected (% Annualised) 20.00%

End Value of your Investments

Rs. 1,170,657,413

Amount actually paid Rs. ###

Times amount gets rolled-over 2.87

Assuming Investments are made at the biginning of each month

Compounding is done on an annualised basis

DISCLOSURE
Mutual Fund Investments are subject to market risk. Please read the offer document carefully before investing.

The mutual fund investments are dependent upon market performance. The NAV of the scheme may go up or down depending
on the performance of the markets.
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SIP Table …

Enter SIP Amount - 1,000

Monthly payments beginning at the start of the month …

Expected End Value of your Investment For A Monthly Investment of Rs.2,000/-

Number of Years of Investments

Exp.
Returns
5 10 15 20 25 30

10% 77,172 201,458 401,621 723,987 1,243,160 2,079,293

12% 81,104 224,036 475,931 919,857 1,702,207 3,080,973

15% 87,342 263,018 616,366 1,327,073 2,756,561 5,631,770

20% 98,704 344,311 955,460 2,476,194 6,260,267 15,676,252

DISCLAIMER
Mutual Fund Investments are subject to Market Risks. Please read the offer document carefully before investing in any mutual fund
scheme.

Realise
Your
Financial
Dreams !!
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SIP NEED CALCULATOR !!

Get What U Want !!

Through SIP in Mutual Fund Equity Schemes …

I want Rupees 5,000,000

In 3 Years

Will your savings increase from the present levels (annually) during these years??
If yes, at what rate … (take a nominal % to be on a safer side). Enter "0" if no increase is expected.
Annual % Increase in Investible Amount

Your Expectations of Returns, 20.00% p.a.

You will need to do an SIP of … 103,562 Rs. per month

You can also do an SIP in a Mutual Fund Scheme as per the following details

Monthly Amount For SIP Needed

Expected Returns

8.00% 10.00% 12.00% 15.00% 17.50% 20.00%

123,077 119,502 116,065 111,152 107,268 103,562
Amount of Monthly SIP needed to achieve your goal in given years

How to Become a CrorePati ??

Monthly Amount For SIP Needed (non-growing)

Number of Years of SIP

Exp. Returns
5 10 15 20 25 30

10% 129,581 49,638 24,899 13,812 8,044 4,809

12% 123,299 44,636 21,011 10,871 5,875 3,246

15% 114,492 38,020 16,224 7,535 3,628 1,776

20% 101,313 29,044 10,466 4,038 1,597 638

Realise
Your
Financial
Dreams !!
DISCLAIMER

Mutual Fund Investments are subject to Market Risks. Please read the offer document carefully before investing in any mutual fund scheme.
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SIP + Delay cost calculator

At a particular given fixed point of time in future … eg. Say at your age 55 years

Step 1 Monthly Investment … 1,000

Step 2 Investment Horizon in years 27

Step 3 Expectate rate of returns p.a. 20.00% End Value (payment at beginning of the month)

Step 4 Delay in starting SIP from today 6

Enter in Months …

Your End Investment Value, if you had started MF SIP today …

9,043,965

Your End Investment Value, if you delay you delay your investments…

8,250,194

The cost of delay is … 793,771

If you delay your investment by 6 month/s, you stand to loose Rs. 793771/-
in the end value of your investment …

Another Perspective …
If you do delay your investment, then …

You would loose Rs. 164,603 in todays worth of money !!

Notes …

Disclamer

This dynamic calculator is produced through series a of mathematical formulas. Utmost care is taken in creating the formulas. Certain assumptions are made in making the
Calculator. The plan so generated only helps the investors in making investment decisions. It may not or may not be suited to your needs or according to your own
assumptions. NJ IndiaInvest Pvt Ltd nor any of it employees or Partners are not responsible for any losses arising by the usage of these plan, or for any investments taken on
its basis.

The Calculator is developed by the Research Department of NJ IndiaInvest Pvt. Ltd.

All rights are reserved. No unathorised, copying, editing, distributions, rebranding, etc is permissible of this tool. Any copyrights infringement will give rise to
damages, claims, etc towards NJ IndiaInvest Pvt. Ltd., the sole owner/user of this tool. NJ Fundz Network is a part of NJ IndiaInvest Pvt. Ltd.
HOME
Tools Answers questions like
Links
Present Value of a Single Amt
Present Value of an Annuity
Present Value of Irregular Cash Flows
Systematic Investment Plan - PV & FV
Future Value (Growing)
Future Value (Decreasing)
Weighted Average Exp Returns
Notes

Present Value Single Amt

Future Value Rs. 50,000,000
What is the today's equivalent
After years 37.00 of Rs. 5 lacs that I will receive
after 5 years?
Dicounting Rate - Ann 5.00%
Present value Rs. 8,221,782

Present Value of an Annuity

Annuity Amount 50,000
Frequency in a year 12 What is the today's worth of a
Annuity runs for years - 15.00 series of monthly payments of
Rs.1,000 that I will receive for 3
Annuity Starts after years - 20.00 years? The 3 years of payment will
Discounting Rate - Ann 6.00% though start after 2 years.

Total Amount Accrued 9,000,000

Present Value Rs. 1,866,437

Present Value Irregular Cash Flows

After Year Amt.
1 80,000
2 100,000
3
4
5
6 What is the today's worth of certain
cash receivables in future when
7
both the amount receivable and the
8 time is not certain?
9
 What is the today's worth of certain
cash receivables in future when
both the amount receivable and the
time is not certain?

10 250,000
11
12
13
14
15 500,000
Discounting Rate - Ann 6.00%
Total Amount received 930,000
Present Value Rs. 512,703
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Systematic Investment Plan (SIP)

Monthly Investment Rs. 4,000
For years 1.00 What will be the present and
Returns Expectation - Ann 15.00% the future worth of my existing
SIP of Rs. 10,000 to be
End Value in Future 51,817 continued for next 5 yrs, returns
Discounting Rate - Ann 6.00% expected at 12%?

Present value 48,884

Future Value Calculator (growing)

Present Value Rs. 1,000,000
How much will Rs. 10,000
After years 3.00 today will grow to after 5 years,
if grows by 6% annually?
Compounding Rate - Ann 15.00%
Future value Rs. 1,520,875

Future Value Calculator (decreasing)

Present Value Rs. 10,000
What will be the worth of Rs.
After years 3.00
10,000/- after 3 years?
Discounting Rate - Ann 6.00%
Future value Rs. 8,396

Weighted Average Returns

Asset Class Amt. Invested Exp Returns
A 100,000 10.00%
B 100,000 15.00%
C
D
E
 F
Total Amt Invested 200,000
Weighted Average Exp Returns 12.50%

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You can use the above tools to input values in your financial plan.

The Advisor can use the above tool to assess the following:
# Find out the Present Cost of an known 'X' amount in future
# Find out the Present Value of the 'Cash Flow Stream' which accrues in Future
Fixed amount of any frequency occuring for any duration
Duration of running cash flows may start at any time in future, or now!
Variable amounts expected over the next 15 years
Of an existing Systematic Investment Plan with an AMC
# Find out the future value of a present
Fixed asset or cash which decreases in value as time goes on
Fixed asset or cash which appreciates in value with time
Running Systemative Investment Plan with an AMC
# Find out the weighted average expected returns on your existing investments in different asset classes
 Help

Discounting Rate
should ideally be
equal to the Inflation
Rate of 6.00%

Annuity is simply
a series of cash
flows of a fixed
amount Eg: Insurance
premium to LIC is a
kind of
Annuity
 Compounding Rate
can be taken as the
Rate of Return that
you expect the asset
to earn during the
period

Measures the decrease

in value of an asset -
due to depreciation,
inflation, etc.

How much returns should I

expect over all the different
investments that I hold, on
an averaged basis?
ifferent asset classes
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 DELAY COST
Why this huge difference ??

The first installment is the one that stays in the term for the longest. Hence it is the
one that has the highest appreciation!!

A better way of looking at is - you are not delaying the SIP (since the SIP matures the same
day) but instead you are just eliminating the first installment that gives you the most returns!!!!

The difference is in the end value of client's investment

The assumptions

Payment is made at the beginning of the period

The rate of return is compounded monthly

The rate of returns stays constant for the term of the SIP

The delay for 10 days is calculated by dividing that for 1 month by 3

The delay for 10 days is not exact but convenient to calculate this way, and easy to explain
The difference though is not very huge and can be ignored for convenience