SVKM’s NMIMS

School of Business Management

Programme: MBA Batch: 2022 - 2024

Academic Year: 2023 – 2024 Subject: Wealth Management
Date: 07 December 2023 Time: 11:00 to 13:00 Duration: - 2 Hrs

N.B.:-

1. There are four questions in this paper. All questions are compulsory.

2. Each question carries10 marks.

3. For answering the questions use of this excel book is only allowed.

4. Access to Internet / intranet is prohibited.

5. Each question has been provided in the designated excel sheet for that question.

6. Answer each question in the designated excel sheet for that question.

7. While answering the question don’t leave unnecessary space.

8. Cover your answer area by thick box border in the same way as questions are covered

9. While answering do not change question data.

 Semester: V
Marks: 40
Duration: - 2 Hrs

et for that question.

y as questions are covered

Q1: Mr Rohvir an employee at JCL ltd approached you for his retirement planning. His annual expenses
today are Rs. 10 lakh out of which Rs. 2 lakh are health related expenses and rest of Rs. 8 lakh are
general expenses. However he is committed to change his living standard and thereby reduce the general
expenses to 75% of current general expenses but health expenses are expected to increase by 50%. He is
currently 32 years old and is expected to retire at 65. He life expectancy si 80 years. Expected overall
inflation rate is 5%. The return on retirement corpus is expected to be 7%. You are required to:
a. Solve the case to arrive at inflation adjusted annual expenses of client at the time of retirement. 2 Marks
b.
c. Appraise Rohvir investing
He is currently about the retirement
Rs. 12000 corpus required
pm in large captoequity
finance the expenses
oriented of non-earning
funds which life. to 3 Marks
are expected
generate a return of 12% annually. Ralate and find out if this investment enough to finance his retirement
corpus. 3 Marks
d. Judge the rate of retrun that Rohvir needs so as to finance his retirement corpus adequately,
considering that he can invest only Rs. 12000 pm? 2 Marks

ANS 1

INPUT DATA
CURRENT AGE 32
RETIREMEMENT AGE 65
LIFE EXPECTANCY 80

CURRENT EXPENSES 1,000,000

POST RETIREMENT EXPENSES 900,000
INFLATION RATE 5%
RETURN ON CORPUS 7%

RETURN ON INVESTMENT 12%

 A) CALCULATION OF MONTHLY EXPENSES AT RETIREMENT
INLFATION RATE 5.00%
RETIREMENT EXPENSES (MONTHLY) 75,000
YEARS TO RETIREMENT 33

INFLATION ADJUSTED RETIREMENT

EXPENSES (MONTHLY) ₹ 375,239.14

B) CALCULATION OF RETIREMENT CORPUS

EXPENSES AT RETIREMENT ₹ 375,239.14

MONTHLY EXPENSE AT RETIREMENT ₹ 375,239.14

REAL RATE 1.90%
YEARS LEFT AFTER RETIREMENT 15
CORPUS REQUIRED ₹ 58,710,686.23 (BASED ON MONTHLY EXPENSES)
 C) CALCULATION OF REQUIRED SIP

TOTAL SIP 144,000

NOMINAL MONTHLY RATE 11.39%
SIP REQUIRED ₹ 16,396.63
ADDITIONAL SIP ₹ 4,396.63

D) CALCULATION OF REQUIRED RATE OF RETURN

CORPUS REQUIRED ₹ 58,710,686.23
RATE OF RETURN ON CORPUS 7%
REQUIRED RATE 11.03%
Q2: Chandan, aged 35 years, is working as a faculty mamber in a management institute with an annual sala
aged 8 years and 4 years and is expected to retire at the of age of 65 years. His wife is aged 30 years and h
for Rs 1 Crore at present. Value of his present investments (in his name) is Rs.5,50,000/- and balance at ba
Chandan would like to have an emergency fund of Rs.5,00,000/- and also to create education fund for his t
kind of education he wants for elder child are Rs.10,00,000/- and younger child are Rs.12,00,000/- in today
when the child turns of 18. Education inflation in India on an average is assumed to be 5.5%.
He has an outstanding loan of Rs.10,00,000/- on his house property, currently valued at Rs.80,00,000/-. Be
protection insurance at the time of disbursement of loan to which Candan agreed.
Chandan wishes to provide the present income to the family for 1 year in case of his untimely death. Then
age of 18 and 50% of present income for the remaining surviving period of his spouse.
Chandan wants to know whether he is adequately insured, and, in case if not, what is the additional amoun
and average inflation over the next 35 years to be 4%. Demonstrate the use of need based approach and ap
insurance.
 ute with an annual salary of Rs. 14,00,000/-. He is married and has two children
e is aged 30 years and has a life expectancy up to age 70. He has a life insurance
000/- and balance at bank is Rs.50,000/-
ducation fund for his two children. In present times, the college expenses for the
Rs.12,00,000/- in todays terms. He will be required to spend on higher education
be 5.5%.
d at Rs.80,00,000/-. Being a mortgage loan, the bank had insisted for a loan

untimely death. Then onwards, 75% of his present income till elder child attains
se.
s the additional amount of life insurance required. Assume the rate of return at 8%
based approach and appraise Chandan about the requirement of additional life

10 Marks
ANS 2
1) FUNDS FOR READJUSTMENT PERIOD
NPER 1
REAL RATE 3.85%
PRESENT INCOME 1,400,000
FUNDS REQUIRED ₹ 1,348,148.15

2) FUNDS FOR DEPENDANCY PERIOD

PV AT YEAR 10 ₹ 8,582,041.28
PV ₹ 8,264,187.90

3) FUNDS FOR SPOUSE

NPER 5 (70-65)
PV AT YEAR 5 ₹ 3,129,789.90
PV ₹ 13,993,692.59

4) FUNDS FOR HIGHER EDUCATION OF -

ELDER SON
NPER 10
REAL RATE 2.37%
FUNDS REQUIRED ₹ 8,811,301.35

YOUNGER SON
NPER 14
REAL RATE 2.37%
FUNDS REQUIRED ₹ 14,156,578.97
TOTAL EDUCATION FUND ₹ 22,967,880.32
EMERGENCY FUND 500,000

1) FUNDS FOR READJUSTMENT PERIOD ₹ 1,348,148.15

2) FUNDS FOR DEPENDANCY PERIOD ₹ 8,264,187.90
TOTAL EDUCATION FUND ₹ 22,967,880.32
EMERGENCY FUND 500,000
FUNDS FOR SPOUSE ₹ 13,993,692.59
INVESTMENTS 550,000
BANK BALANCE 50,000
HOUSE 8,000,000
TOTAL ₹ 55,673,908.97

LOAN 1,000,000
INSURANCE REQUIRED ₹ 56,673,908.97
INSURANCE ALREADY TAKEN 10,000,000
ADDITIONAL INSURANCE REQUIRED ₹ 46,673,908.97
Q3: Mr. X is a citizen of USA and a person of African origin. Appraise him about his residential status
with the help of the following data of his stay in India for the Assessment Year 2023-24.
F.Y.
2022-23
2021-22
2020-21
2019-20
2018-19

Also assess which of the following incomes will be taxable in his hands:-
Partiulars of Income
Income from house property from Mumbai house
Amount of gift received in Delhi from Indian friend above exemption limit
Income from Denmark Business received in Denmark.Business is controlled from india
Income from sale of agricultural land in Japan
Income earned in Paris in previous yr 2011-12. Remitted in India Now

Investigate about the sensitivity of above income items w.r.t. different residential status one accessee ca
asssume.
out his residential status
2023-24.
Days
71
208
11
70
110

Amount INR
5000000
75000
25000000
30000000
50000

al status one accessee can

10 Marks
ANS 3
CONDITIONS U/S 6(1) (RESIDENTIAL STATUS)
ASSESSEE SHOULD-
1) STAY IN INDIA FOR 182 DAYS OR MORE DURING PY
OR
2) STAY IN INDIA FOR 365 DAYS DURING 4 PYS AND 60 DAYS IN PY PRECEDING CURRENT PY
IF ONE OR BOTH CONDITIONS IS SATISFIED, WE CHECK FOR ROR OR RNOR
1) STAY IN INDIA FOR ANY 2PYS OUT OF 10 PYS PRECEDING CURRENT PY
AND
2) STAY IN INDIA FOR 730 DAYS OR MORE DURING 7PYS PRECEDING CURRENT PY
IF BOTH CONDITIONS SATISFIED = ROR
IF NONE CONDITION SATISFIED = RNOR
IF NONE OF THE ABOVE MENTIONED CONDITIONS ARE SATISFIED = NON-RESIDENT
CALCULATION OF TOTAL DAYS STAYED IN INDIA AS PER ABOVE CONDITIONS-
2018-19
2019-20
2020-21
2021-22
2022-23
TOTAL
DAYS IN 4 PYS PRECEDING CURRENT PY
HE DID NOT RESIDE FOR 60 DAYS AND 365 DAYS DURING PY AND 4 PYS RESPECTIVELY
HE DID NOT RESIDE FOR 182 DAYS OR MORE IN PRECEDING PY
THEREFORE, HE IS A NON-RESIDENT OF INDIA

PARTICULARS OF INCOME
Income from house property from Mumbai house
Amount of gift received in Delhi from Indian friend above exemption limit
Income from Denmark Business received in Denmark.Business is controlled from india
Income from sale of agricultural land in Japan
Income earned in Paris in previous yr 2011-12. Remitted in India Now
 110
70
11
208
71
470
360

ROR RNOR NON RESIDENT

TAXABLE TAXABLE TAXABLE
TAXABLE TAXABLE TAXABLE
TAXABLE TAXABLE TAXABLE
TAXABLE TAXABLE NO
NO NO NO
Q4: Mr. XMan, aged 25, is a manager earning Rs 12,00,000 annually. He is planning to marry Yeti and they plan
student loans, borrowed at 10% for 8 years, 12 months back, whose repayment starts after 12 months. She has got
purchase a home for Rs 1,00,00,000 next year, partly financed by his parents by Rs 50,00,000. Rest they are plann
20,000 annually. Health and life insurance, cost them Rs 25,000 annually. Mr. XMan has saved Rs 3,00,000 in his
index mutual fund (12% annual return expected). Mrs. XMan has Gold worth Rs 12,00,000 given by her mother.
paid Rs 3,00,000, worth 2,50,000 now and would be worth Rs 2,25,000 next year. She still owes Rs 1,00,000 on h
six-year-old Car worth Rs 3,00,000 now (Rs, 2,50,000 next year) that is completely paid off. Consider monthly ex
and nothing for Yeti.

(a) Appriase Mr & Mrs.. Xman about their total assets and liabilities & net worth this year? Next year?
(b) Ascertain the monthly payout on their mortgage?
(c) Examine if Mr Xman take mortgage loan provided the bank only funds upto EMI of 35% of take home salary
would he get the loan?

ANS 4

A) CALCULATION OF NET WORTH OF MR. XMAN & WIFE MRS YETI-

C) 35% OF TAKE HOME (AFTER TAX)

1020000
357000
HE WOULD GET THE LOAN BASED ON HIS TAKE HOME SALARY
 techt and owes Rs 11,00,000 in
ally from next month. They plan to
urance on the house and cars totals Rs
d has another Rs 4,00,000 in a equity
es a three-year-old Car for which she
Car Loan is Rs 10,000. Mr. X drives a
me tax at 15% overall for Mr Xman,

3+3 Marks
2 Marks
2 Marks

AMOUNT (RS) AMOUNT (RS)

ASSETS CURRENT YEAR NEXT YEAR
MR XMAN-
HOME 10,000,000 10,000,000
SAVINGS 300,000 310,500
EQUITY FUND 400,000 448,000
CAR 300,000 250,000
MRS YETI
GOLD 1,200,000 1,320,000
CAR 250,000 225,000
TOTAL 12,450,000 12,553,500

MONTHLY PAYOUT
ON MORTGAGE LOAN AM
B)
LOAN VALUE 5,000,000 PER PMT
INTEREST RATE 10% 1 ₹ 500,000.00
YEARS 20 2 ₹ 500,000.00
NPER 240 3 ₹ 500,000.00
 4 ₹ 500,000.00
5 ₹ 500,000.00
6 ₹ 500,000.00
7 ₹ 500,000.00
8 ₹ 500,000.00
9 ₹ 500,000.00
10 ₹ 500,000.00
11 ₹ 500,000.00
12 ₹ 500,000.00
13 ₹ 500,000.00
14 ₹ 500,000.00
15 ₹ 500,000.00
16 ₹ 500,000.00
17 ₹ 500,000.00
18 ₹ 500,000.00
19 ₹ 500,000.00
20 ₹ 500,000.00
21 ₹ 500,000.00
22 ₹ 500,000.00
23 ₹ 500,000.00
24 ₹ 500,000.00
25 ₹ 500,000.00
26 ₹ 500,000.00
27 ₹ 500,000.00
28 ₹ 500,000.00
29 ₹ 500,000.00
30 ₹ 500,000.00
31 ₹ 500,000.00
32 ₹ 500,000.00
33 ₹ 500,000.00
34 ₹ 500,000.00
35 ₹ 500,000.00
36 ₹ 500,000.00
37 ₹ 500,000.00
38 ₹ 500,000.00
39 ₹ 500,000.00
40 ₹ 500,000.00
41 ₹ 500,000.00
42 ₹ 500,000.00
43 ₹ 500,000.00
44 ₹ 500,000.00
45 ₹ 500,000.00
46 ₹ 500,000.00
47 ₹ 500,000.00
48 ₹ 500,000.00
49 ₹ 500,000.00
50 ₹ 500,000.00
51 ₹ 500,000.00
52 ₹ 500,000.00
53 ₹ 500,000.00
54 ₹ 500,000.00
55 ₹ 500,000.00
56 ₹ 500,000.00
57 ₹ 500,000.00
58 ₹ 500,000.00
59 ₹ 500,000.00
60 ₹ 500,000.00
61 ₹ 500,000.00
62 ₹ 500,000.00
63 ₹ 500,000.00
64 ₹ 500,000.00
65 ₹ 500,000.00
66 ₹ 500,000.00
67 ₹ 500,000.00
68 ₹ 500,000.00
69 ₹ 500,000.00
70 ₹ 500,000.00
71 ₹ 500,000.00
72 ₹ 500,000.00
73 ₹ 500,000.00
74 ₹ 500,000.00
75 ₹ 500,000.00
76 ₹ 500,000.00
77 ₹ 500,000.00
78 ₹ 500,000.00
79 ₹ 500,000.00
80 ₹ 500,000.00
81 ₹ 500,000.00
82 ₹ 500,000.00
83 ₹ 500,000.00
84 ₹ 500,000.00
85 ₹ 500,000.00
86 ₹ 500,000.00
87 ₹ 500,000.00
88 ₹ 500,000.00
89 ₹ 500,000.00
90 ₹ 500,000.00
91 ₹ 500,000.00
92 ₹ 500,000.00
93 ₹ 500,000.00
94 ₹ 500,000.00
95 ₹ 500,000.00
 96 ₹ 500,000.00
97 ₹ 500,000.00
98 ₹ 500,000.00
99 ₹ 500,000.00
100 ₹ 500,000.00
101 ₹ 500,000.00
102 ₹ 500,000.00
103 ₹ 500,000.00
104 ₹ 500,000.00
105 ₹ 500,000.00
106 ₹ 500,000.00
107 ₹ 500,000.00
108 ₹ 500,000.00
109 ₹ 500,000.00
110 ₹ 500,000.00
111 ₹ 500,000.00
112 ₹ 500,000.00
113 ₹ 500,000.00
114 ₹ 500,000.00
115 ₹ 500,000.00
116 ₹ 500,000.00
117 ₹ 500,000.00
118 ₹ 500,000.00
119 ₹ 500,000.00
120 ₹ 500,000.00
121 ₹ 500,000.00
122 ₹ 500,000.00
123 ₹ 500,000.00
124 ₹ 500,000.00
125 ₹ 500,000.00
126 ₹ 500,000.00
127 ₹ 500,000.00
128 ₹ 500,000.00
129 ₹ 500,000.00
130 ₹ 500,000.00
131 ₹ 500,000.00
132 ₹ 500,000.00
133 ₹ 500,000.00
134 ₹ 500,000.00
135 ₹ 500,000.00
136 ₹ 500,000.00
137 ₹ 500,000.00
138 ₹ 500,000.00
139 ₹ 500,000.00
140 ₹ 500,000.00
141 ₹ 500,000.00
142 ₹ 500,000.00
143 ₹ 500,000.00
144 ₹ 500,000.00
145 ₹ 500,000.00
146 ₹ 500,000.00
147 ₹ 500,000.00
148 ₹ 500,000.00
149 ₹ 500,000.00
150 ₹ 500,000.00
151 ₹ 500,000.00
152 ₹ 500,000.00
153 ₹ 500,000.00
154 ₹ 500,000.00
155 ₹ 500,000.00
156 ₹ 500,000.00
157 ₹ 500,000.00
158 ₹ 500,000.00
159 ₹ 500,000.00
160 ₹ 500,000.00
161 ₹ 500,000.00
162 ₹ 500,000.00
163 ₹ 500,000.00
164 ₹ 500,000.00
165 ₹ 500,000.00
166 ₹ 500,000.00
167 ₹ 500,000.00
168 ₹ 500,000.00
169 ₹ 500,000.00
170 ₹ 500,000.00
171 ₹ 500,000.00
172 ₹ 500,000.00
173 ₹ 500,000.00
174 ₹ 500,000.00
175 ₹ 500,000.00
176 ₹ 500,000.00
177 ₹ 500,000.00
178 ₹ 500,000.00
179 ₹ 500,000.00
180 ₹ 500,000.00
181 ₹ 500,000.00
182 ₹ 500,000.00
183 ₹ 500,000.00
184 ₹ 500,000.00
185 ₹ 500,000.00
186 ₹ 500,000.00
187 ₹ 500,000.00
188 ₹ 500,000.00
189 ₹ 500,000.00
190 ₹ 500,000.00
191 ₹ 500,000.00
192 ₹ 500,000.00
193 ₹ 500,000.00
194 ₹ 500,000.00
195 ₹ 500,000.00
196 ₹ 500,000.00
197 ₹ 500,000.00
198 ₹ 500,000.00
199 ₹ 500,000.00
200 ₹ 500,000.00
201 ₹ 500,000.00
202 ₹ 500,000.00
203 ₹ 500,000.00
204 ₹ 500,000.00
205 ₹ 500,000.00
206 ₹ 500,000.00
207 ₹ 500,000.00
208 ₹ 500,000.00
209 ₹ 500,000.00
210 ₹ 500,000.00
211 ₹ 500,000.00
212 ₹ 500,000.00
213 ₹ 500,000.00
214 ₹ 500,000.00
215 ₹ 500,000.00
216 ₹ 500,000.00
217 ₹ 500,000.00
218 ₹ 500,000.00
219 ₹ 500,000.00
220 ₹ 500,000.00
221 ₹ 500,000.00
222 ₹ 500,000.00
223 ₹ 500,000.00
224 ₹ 500,000.00
225 ₹ 500,000.00
226 ₹ 500,000.00
227 ₹ 500,000.00
228 ₹ 500,000.00
229 ₹ 500,000.00
230 ₹ 500,000.00
231 ₹ 500,000.00
232 ₹ 500,000.00
233 ₹ 500,000.00
234 ₹ 500,000.00
235 ₹ 500,000.00
236 ₹ 500,000.00
237 ₹ 500,000.00
238 ₹ 500,000.00
239 ₹ 500,000.00
240 ₹ 500,000.00
 AMOUNT (RS) AMOUNT (RS)
LIABILITIES CURRENT YEAR NEXT YEAR
MR XMAN-
HOME LOAN 5,000,000 5,000,000

MRS YETI-
STUDENT LOAN 1,100,000 989,988
CAR LOAN 100,000 -
TOTAL 6,200,000 5,989,988
NET WORTH CURRENT YEAR NEXT YEAR
6,250,000 6,563,512

LOAN AMORTIZATION SCHEDULE

IPMT PPMT OPMT CPMT

500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.00
500,000 ₹ 0.00 5,000,000.00 ₹ 0.01
500,000 ₹ 0.00 5,000,000.00 ₹ 0.01
500,000 ₹ 0.00 5,000,000.00 ₹ 0.01
500,000 ₹ 0.00 5,000,000.00 ₹ 0.01
500,000 ₹ 0.00 5,000,000.00 ₹ 0.01
500,000 ₹ 0.00 5,000,000.00 ₹ 0.01
500,000 ₹ 0.00 5,000,000.00 ₹ 0.01
500,000 ₹ 0.00 5,000,000.00 ₹ 0.01
500,000 ₹ 0.00 5,000,000.00 ₹ 0.01
500,000 ₹ 0.00 5,000,000.00 ₹ 0.01
500,000 ₹ 0.00 5,000,000.00 ₹ 0.01
500,000 ₹ 0.00 5,000,000.00 ₹ 0.02
500,000 ₹ 0.00 5,000,000.00 ₹ 0.02
500,000 ₹ 0.00 5,000,000.00 ₹ 0.02
500,000 ₹ 0.00 5,000,000.00 ₹ 0.02
500,000 ₹ 0.00 5,000,000.00 ₹ 0.02
500,000 ₹ 0.00 5,000,000.00 ₹ 0.03
500,000 ₹ 0.00 5,000,000.00 ₹ 0.03
500,000 ₹ 0.00 5,000,000.00 ₹ 0.03
500,000 ₹ 0.00 5,000,000.00 ₹ 0.03
500,000 ₹ 0.00 5,000,000.00 ₹ 0.04
500,000 ₹ 0.00 5,000,000.00 ₹ 0.04
500,000 ₹ 0.00 5,000,000.00 ₹ 0.05
500,000 ₹ 0.00 5,000,000.00 ₹ 0.05
500,000 ₹ 0.01 4,999,999.99 ₹ 0.06
500,000 ₹ 0.01 4,999,999.99 ₹ 0.06
500,000 ₹ 0.01 4,999,999.99 ₹ 0.07
500,000 ₹ 0.01 4,999,999.99 ₹ 0.07
500,000 ₹ 0.01 4,999,999.99 ₹ 0.08
500,000 ₹ 0.01 4,999,999.99 ₹ 0.09
500,000 ₹ 0.01 4,999,999.99 ₹ 0.10
500,000 ₹ 0.01 4,999,999.99 ₹ 0.11
500,000 ₹ 0.01 4,999,999.99 ₹ 0.12
500,000 ₹ 0.01 4,999,999.99 ₹ 0.13
500,000 ₹ 0.01 4,999,999.99 ₹ 0.15
500,000 ₹ 0.01 4,999,999.99 ₹ 0.16
500,000 ₹ 0.02 4,999,999.98 ₹ 0.18
500,000 ₹ 0.02 4,999,999.98 ₹ 0.19
500,000 ₹ 0.02 4,999,999.98 ₹ 0.21
500,000 ₹ 0.02 4,999,999.98 ₹ 0.24
500,000 ₹ 0.02 4,999,999.98 ₹ 0.26
500,000 ₹ 0.03 4,999,999.97 ₹ 0.28
500,000 ₹ 0.03 4,999,999.97 ₹ 0.31
500,000 ₹ 0.03 4,999,999.97 ₹ 0.34
500,000 ₹ 0.03 4,999,999.97 ₹ 0.38
500,000 ₹ 0.04 4,999,999.96 ₹ 0.42
500,000 ₹ 0.04 4,999,999.96 ₹ 0.46
500,000 ₹ 0.05 4,999,999.95 ₹ 0.50
500,000 ₹ 0.05 4,999,999.95 ₹ 0.56
500,000 ₹ 0.06 4,999,999.94 ₹ 0.61
500,000 ₹ 0.06 4,999,999.94 ₹ 0.67
500,000 ₹ 0.07 4,999,999.93 ₹ 0.74
500,000 ₹ 0.07 4,999,999.93 ₹ 0.81
500,000 ₹ 0.08 4,999,999.92 ₹ 0.89
500,000 ₹ 0.09 4,999,999.91 ₹ 0.98
500,000 ₹ 0.10 4,999,999.90 ₹ 1.08
500,000 ₹ 0.11 4,999,999.89 ₹ 1.19
500,000 ₹ 0.12 4,999,999.88 ₹ 1.31
500,000 ₹ 0.13 4,999,999.87 ₹ 1.44
500,000 ₹ 0.14 4,999,999.86 ₹ 1.59
500,000 ₹ 0.16 4,999,999.84 ₹ 1.74
500,000 ₹ 0.17 4,999,999.83 ₹ 1.92
500,000 ₹ 0.19 4,999,999.81 ₹ 2.11
500,000 ₹ 0.21 4,999,999.79 ₹ 2.32
500,000 ₹ 0.23 4,999,999.77 ₹ 2.55
500,000 ₹ 0.26 4,999,999.74 ₹ 2.81
500,000 ₹ 0.28 4,999,999.72 ₹ 3.09
500,000 ₹ 0.31 4,999,999.69 ₹ 3.40
500,000 ₹ 0.34 4,999,999.66 ₹ 3.74
500,000 ₹ 0.37 4,999,999.63 ₹ 4.11
500,000 ₹ 0.41 4,999,999.59 ₹ 4.52
500,000 ₹ 0.45 4,999,999.55 ₹ 4.98
500,000 ₹ 0.50 4,999,999.50 ₹ 5.47
499,999 ₹ 0.55 4,999,999.45 ₹ 6.02
499,999 ₹ 0.60 4,999,999.40 ₹ 6.62
499,999 ₹ 0.66 4,999,999.34 ₹ 7.29
499,999 ₹ 0.73 4,999,999.27 ₹ 8.02
499,999 ₹ 0.80 4,999,999.20 ₹ 8.82
499,999 ₹ 0.88 4,999,999.12 ₹ 9.70
499,999 ₹ 0.97 4,999,999.03 ₹ 10.67
499,999 ₹ 1.07 4,999,998.93 ₹ 11.74
499,999 ₹ 1.17 4,999,998.83 ₹ 12.91
499,999 ₹ 1.29 4,999,998.71 ₹ 14.20
499,999 ₹ 1.42 4,999,998.58 ₹ 15.62
499,998 ₹ 1.56 4,999,998.44 ₹ 17.18
499,998 ₹ 1.72 4,999,998.28 ₹ 18.90
499,998 ₹ 1.89 4,999,998.11 ₹ 20.79
499,998 ₹ 2.08 4,999,997.92 ₹ 22.87
499,998 ₹ 2.29 4,999,997.71 ₹ 25.16
499,997 ₹ 2.52 4,999,997.48 ₹ 27.68
499,997 ₹ 2.77 4,999,997.23 ₹ 30.44
499,997 ₹ 3.04 4,999,996.96 ₹ 33.49
499,997 ₹ 3.35 4,999,996.65 ₹ 36.84
499,996 ₹ 3.68 4,999,996.32 ₹ 40.52
499,996 ₹ 4.05 4,999,995.95 ₹ 44.57
499,996 ₹ 4.46 4,999,995.54 ₹ 49.03
499,995 ₹ 4.90 4,999,995.10 ₹ 53.93
499,995 ₹ 5.39 4,999,994.61 ₹ 59.32
499,994 ₹ 5.93 4,999,994.07 ₹ 65.26
499,993 ₹ 6.53 4,999,993.47 ₹ 71.78
499,993 ₹ 7.18 4,999,992.82 ₹ 78.96
499,992 ₹ 7.90 4,999,992.10 ₹ 86.86
499,991 ₹ 8.69 4,999,991.31 ₹ 95.54
499,990 ₹ 9.55 4,999,990.45 ₹ 105.10
499,989 ₹ 10.51 4,999,989.49 ₹ 115.61
499,988 ₹ 11.56 4,999,988.44 ₹ 127.17
499,987 ₹ 12.72 4,999,987.28 ₹ 139.89
499,986 ₹ 13.99 4,999,986.01 ₹ 153.87
499,985 ₹ 15.39 4,999,984.61 ₹ 169.26
499,983 ₹ 16.93 4,999,983.07 ₹ 186.19
499,981 ₹ 18.62 4,999,981.38 ₹ 204.81
499,980 ₹ 20.48 4,999,979.52 ₹ 225.29
499,977 ₹ 22.53 4,999,977.47 ₹ 247.82
499,975 ₹ 24.78 4,999,975.22 ₹ 272.60
499,973 ₹ 27.26 4,999,972.74 ₹ 299.86
499,970 ₹ 29.99 4,999,970.01 ₹ 329.84
499,967 ₹ 32.98 4,999,967.02 ₹ 362.83
499,964 ₹ 36.28 4,999,963.72 ₹ 399.11
499,960 ₹ 39.91 4,999,960.09 ₹ 439.02
499,956 ₹ 43.90 4,999,956.10 ₹ 482.92
499,952 ₹ 48.29 4,999,951.71 ₹ 531.22
499,947 ₹ 53.12 4,999,946.88 ₹ 584.34
499,942 ₹ 58.43 4,999,941.57 ₹ 642.77
499,936 ₹ 64.28 4,999,935.72 ₹ 707.05
499,929 ₹ 70.71 4,999,929.29 ₹ 777.75
499,922 ₹ 77.78 4,999,922.22 ₹ 855.53
499,914 ₹ 85.55 4,999,914.45 ₹ 941.08
499,906 ₹ 94.11 4,999,905.89 ₹ 1,035.19
499,896 ₹ 103.52 4,999,896.48 ₹ 1,138.71
499,886 ₹ 113.87 4,999,886.13 ₹ 1,252.58
499,875 ₹ 125.26 4,999,874.74 ₹ 1,377.84
499,862 ₹ 137.78 4,999,862.22 ₹ 1,515.62
499,848 ₹ 151.56 4,999,848.44 ₹ 1,667.19
499,833 ₹ 166.72 4,999,833.28 ₹ 1,833.91
499,817 ₹ 183.39 4,999,816.61 ₹ 2,017.30
499,798 ₹ 201.73 4,999,798.27 ₹ 2,219.03
499,778 ₹ 221.90 4,999,778.10 ₹ 2,440.93
499,756 ₹ 244.09 4,999,755.91 ₹ 2,685.02
499,731 ₹ 268.50 4,999,731.50 ₹ 2,953.52
499,705 ₹ 295.35 4,999,704.65 ₹ 3,248.88
499,675 ₹ 324.89 4,999,675.11 ₹ 3,573.76
499,643 ₹ 357.38 4,999,642.62 ₹ 3,931.14
499,607 ₹ 393.11 4,999,606.89 ₹ 4,324.25
499,568 ₹ 432.43 4,999,567.57 ₹ 4,756.68
499,524 ₹ 475.67 4,999,524.33 ₹ 5,232.35
499,477 ₹ 523.23 4,999,476.77 ₹ 5,755.58
499,424 ₹ 575.56 4,999,424.44 ₹ 6,331.14
499,367 ₹ 633.11 4,999,366.89 ₹ 6,964.26
499,304 ₹ 696.43 4,999,303.57 ₹ 7,660.68
499,234 ₹ 766.07 4,999,233.93 ₹ 8,426.75
499,157 ₹ 842.67 4,999,157.33 ₹ 9,269.42
499,073 ₹ 926.94 4,999,073.06 ₹ 10,196.37
498,980 ₹ 1,019.64 4,998,980.36 ₹ 11,216.00
498,878 ₹ 1,121.60 4,998,878.40 ₹ 12,337.60
498,766 ₹ 1,233.76 4,998,766.24 ₹ 13,571.36
498,643 ₹ 1,357.14 4,998,642.86 ₹ 14,928.50
498,507 ₹ 1,492.85 4,998,507.15 ₹ 16,421.35
498,358 ₹ 1,642.14 4,998,357.86 ₹ 18,063.49
498,194 ₹ 1,806.35 4,998,193.65 ₹ 19,869.83
498,013 ₹ 1,986.98 4,998,013.02 ₹ 21,856.82
497,814 ₹ 2,185.68 4,997,814.32 ₹ 24,042.50
497,596 ₹ 2,404.25 4,997,595.75 ₹ 26,446.75
497,355 ₹ 2,644.68 4,997,355.32 ₹ 29,091.43
497,091 ₹ 2,909.14 4,997,090.86 ₹ 32,000.57
496,800 ₹ 3,200.06 4,996,799.94 ₹ 35,200.62
496,480 ₹ 3,520.06 4,996,479.94 ₹ 38,720.69
496,128 ₹ 3,872.07 4,996,127.93 ₹ 42,592.76
495,741 ₹ 4,259.28 4,995,740.72 ₹ 46,852.03
495,315 ₹ 4,685.20 4,995,314.80 ₹ 51,537.23
494,846 ₹ 5,153.72 4,994,846.28 ₹ 56,690.96
494,331 ₹ 5,669.10 4,994,330.90 ₹ 62,360.05
493,764 ₹ 6,236.01 4,993,763.99 ₹ 68,596.06
493,140 ₹ 6,859.61 4,993,140.39 ₹ 75,455.67
492,454 ₹ 7,545.57 4,992,454.43 ₹ 83,001.23
491,700 ₹ 8,300.12 4,991,699.88 ₹ 91,301.36
490,870 ₹ 9,130.14 4,990,869.86 ₹ 100,431.49
489,957 ₹ 10,043.15 4,989,956.85 ₹ 110,474.64
488,953 ₹ 11,047.46 4,988,952.54 ₹ 121,522.10
487,848 ₹ 12,152.21 4,987,847.79 ₹ 133,674.31
486,633 ₹ 13,367.43 4,986,632.57 ₹ 147,041.75
485,296 ₹ 14,704.17 4,985,295.83 ₹ 161,745.92
483,825 ₹ 16,174.59 4,983,825.41 ₹ 177,920.51
482,208 ₹ 17,792.05 4,982,207.95 ₹ 195,712.56
480,429 ₹ 19,571.26 4,980,428.74 ₹ 215,283.82
478,472 ₹ 21,528.38 4,978,471.62 ₹ 236,812.20
476,319 ₹ 23,681.22 4,976,318.78 ₹ 260,493.42
473,951 ₹ 26,049.34 4,973,950.66 ₹ 286,542.77
471,346 ₹ 28,654.28 4,971,345.72 ₹ 315,197.04
468,480 ₹ 31,519.70 4,968,480.30 ₹ 346,716.75
465,328 ₹ 34,671.67 4,965,328.33 ₹ 381,388.42
461,861 ₹ 38,138.84 4,961,861.16 ₹ 419,527.26
458,047 ₹ 41,952.73 4,958,047.27 ₹ 461,479.99
453,852 ₹ 46,148.00 4,953,852.00 ₹ 507,627.99
449,237 ₹ 50,762.80 4,949,237.20 ₹ 558,390.79
444,161 ₹ 55,839.08 4,944,160.92 ₹ 614,229.87
438,577 ₹ 61,422.99 4,938,577.01 ₹ 675,652.85
432,435 ₹ 67,565.29 4,932,434.71 ₹ 743,218.14
425,678 ₹ 74,321.81 4,925,678.19 ₹ 817,539.95
418,246 ₹ 81,754.00 4,918,246.00 ₹ 899,293.95
410,071 ₹ 89,929.39 4,910,070.61 ₹ 989,223.34
401,078 ₹ 98,922.33 4,901,077.67 ₹ 1,088,145.68
391,185 ₹ 108,814.57 4,891,185.43 ₹ 1,196,960.25
380,304 ₹ 119,696.02 4,880,303.98 ₹ 1,316,656.27
368,334 ₹ 131,665.63 4,868,334.37 ₹ 1,448,321.90
355,168 ₹ 144,832.19 4,855,167.81 ₹ 1,593,154.09
340,685 ₹ 159,315.41 4,840,684.59 ₹ 1,752,469.50
324,753 ₹ 175,246.95 4,824,753.05 ₹ 1,927,716.45
307,228 ₹ 192,771.64 4,807,228.36 ₹ 2,120,488.09
287,951 ₹ 212,048.81 4,787,951.19 ₹ 2,332,536.90
266,746 ₹ 233,253.69 4,766,746.31 ₹ 2,565,790.59
243,421 ₹ 256,579.06 4,743,420.94 ₹ 2,822,369.65
217,763 ₹ 282,236.97 4,717,763.03 ₹ 3,104,606.62
189,540 ₹ 310,460.66 4,689,539.34 ₹ 3,415,067.28
158,494 ₹ 341,506.73 4,658,493.27 ₹ 3,756,574.00
124,343 ₹ 375,657.40 4,624,342.60 ₹ 4,132,231.40
86,777 ₹ 413,223.14 4,586,776.86 ₹ 4,545,454.55
45,454 ₹ 454,545.45 4,545,454.55 ₹ 5,000,000.00
5,000,000.00