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

1)

2)

3)

4)
inflation 5%
rate of return 7%
annual expenses at time of retirement 900000
current age 32
retirement age 65
years to retiremnt 33
required annual invcome ₹ 4,502,869.69
adjusted inflation rate 0.019047619047619
retiremnt corpus ₹ 59,382,901.91
years in retiremnet 15
rate of return 12%
required annual investment ₹ 11,657.43
current investment is enough
rate of return 0.99365%
 Q2: Chandan, aged 35 years, is working as a faculty mamber in a management institute with an annual sa
age of 65 years. His wife is aged 30 years and has a life expectancy up to age 70. He has a life insuran

Chandan would like to have an emergency fund of Rs.5,00,000/- and also to create education fund f
Rs.10,00,000/- and younger child are Rs.12,00,000/- in todays terms. He will be required to spend o
He has an outstanding loan of Rs.10,00,000/- on his house property, currently valued at Rs.80,00,000/-. Be
C
Chandan wishes to provide the present income to the family for 1 year in case of his untimely death. The
surviving
Chandan wants to know whether he is adequately insured, and, in case if not, what is the additional amou
Demonstrate the use of need based approach and app

rate of return cureent age 35

8% annual salary 1400000
inflation retiremsnt age 65
4% wife
adj. inflation for household exp. life expentancy of wife 40
0.0384615384615386 life insurance 10,000,000
current investments 550,000
savings 50,000
emergency fund 500,000
child 1
education inflation rate years 10
5.50% requied for education 1,000,000
adj. inflation rate for edu child 2
0.0236966824644551 years 14
requied for education 1,200,000
 ment institute with an annual salary of Rs. 14,00,000/-. He is married and has two children aged 8 years and 4 years and is expec
p to age 70. He has a life insurance for Rs 1 Crore at present. Value of his present investments (in his name) is Rs.5,50,000/- and
Rs.50,000/-
d also to create education fund for his two children. In present times, the college expenses for the kind of education he wants for
. He will be required to spend on higher education when the child turns of 18. Education inflation in India on an average is assum
ntly valued at Rs.80,00,000/-. Being a mortgage loan, the bank had insisted for a loan protection insurance at the time of disburse
Candan agreed.
n case of his untimely death. Then onwards, 75% of his present income till elder child attains age of 18 and 50% of present incom
surviving period of his spouse.
not, what is the additional amount of life insurance required. Assume the rate of return at 8% and average inflation over the nex
of need based approach and appraise Chandan about the requirement of additional life insurance.

required insurance

family income for 10 years

1050000 ₹ 8,582,041.28
family income for next 30 years
700000 ₹ 12,333,772.49

₹ 791,201.39

₹ 864,536.04
total insurance requied ₹ 22,571,551.20
add: emergency fund ₹ 500,000.00
less: current investments 550,000
less: savings 50,000
less: emergency fund 500,000
additional insurance 21,971,551.2015938
8 years and 4 years and is expected to retire at the of
his name) is Rs.5,50,000/- and balance at bank is

kind of education he wants for elder child are

in India on an average is assumed to be 5.5%.
nsurance at the time of disbursement of loan to which

of 18 and 50% of present income for the remaining

d average inflation over the next 35 years to be 4%.

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 can
asssume.
out his residential status
2023-24.
Days
71 1)
208
11
70 2)
110

Amount INR 399

5000000
75000
25000000
30000000
50000

al status one accessee can Mar

ks
 residential status

resident or not:
60 days or more during PY
he is a redident because he was in in india for more than 60 days that is 71 days
ordinary resident
resident in 2 PY out of 10 PY preceeding current PY
he was resident in 2020-2022 and 2019-2020
and in india for more than 730 days out of 7 PY preceeding PY
he was only for 399 days
he is not an ordinary resident
he is resident , not ordinary

particulars
income recived in india
income accured in india
income deemed to be recived in india
income accured or aroused in india deemed to be recived
income other than A1,A2,A3,A4(from businesses controlled from india )
income other than A1,A2,A3,A4,B1
not an income

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
tial status

code nature
A1 indian income
A2 indian income
A3 indian income
A4 indian income
B1 forigen income
B2 forigen income
O not income

Amount INR code taxable income ROR RNOR

5,000,000.00 A2 5,000,000.00 5,000,000.00 5,000,000.00
75,000.00 A1 75,000.00 75,000.00 75,000.00
25,000,000.00 B1 25,000,000.00 25,000,000.00 25,000,000.00
30,000,000.00 B2 - 30,000,000.00 -
50,000.00 O - - -
total taxable income: 30,075,000.00 60,075,000.00 30,075,000.00
NR
5,000,000.00
75,000.00
-
-
-
5,075,000.00
Q4: Mr. XMan, aged 25, is a manager earning Rs 12,00,000 annually. He is planning to marry Yeti and they p
for 8 years, 12 months back, whose repayment starts after 12 months. She has got a job which will pay her
financed by his parents by Rs 50,00,000. Rest they are planning to borrow at 8.5% for 20 years. The insurance
XMan has saved Rs 3,00,000 in his savings account (3.5% annual interest) and has another Rs 4,00,000 in a e
mother. Gold is giving 10% annual return. She drives a three-year-old Car for which she paid Rs 3,00,000, wo
monthly payment for the Car Loan is Rs 10,000. Mr. X drives a six-year-old Car worth Rs 3,00,000 now (R
Income tax at 15% overall for M

(a) Appriase Mr & Mrs.. Xman about their total ass

(b) Ascertain the monthly
(c) Examine if Mr Xman take mortgage loan provided the bank only funds upto EMI of 35% o

a)
current year
assets amount liablities amount
student loan 1,005,445.18
savings 300,000.00
mutal funds 400,000.00
gold 1,200,000.00
car1 250,000.00 car loan 100,000.00
car2 300,000.00
2,450,000.00 1,105,445.18
networth 1,344,554.82

c) pmt 29,750.00

intrest 8.50% 0.007083333333

years 20 240
amount ₹ 3,452,399.98

Mr. X will not be able to take loan because he needs loan of

50,00,000 and bank will only lend for 3452,399 under the
given condition
 to marry Yeti and they plan to have one child, Yax. Yeti, 23, is an architecht and owes Rs 11,00,000 in student loans, borrow
a job which will pay her Rs 7,00,000 annually from next month. They plan to purchase a home for Rs 1,00,00,000 next year,
20 years. The insurance on the house and cars totals Rs 20,000 annually. Health and life insurance, cost them Rs 25,000 ann
nother Rs 4,00,000 in a equity index mutual fund (12% annual return expected). Mrs. XMan has Gold worth Rs 12,00,000 giv
she 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 her car
orth Rs 3,00,000 now (Rs, 2,50,000 next year) that is completely paid off. Consider monthly expenses of 50,000 for the curre
e tax at 15% overall for Mr Xman, and nothing for Yeti.

Xman about their total assets and liabilities & net worth this year? Next year?
) Ascertain the monthly payout on their mortgage?
unds upto EMI of 35% of take home salary and maximum loan duration is 20 years? If not, how would he get the loan?

next year
assets amount liablities amount
house 100,000.00 loan 5,000,000.00
savings 310,500.00 student lo 900,989.24
mutal fund 448,000.00
gold 1,320,000.00
car1 225,000.00
car2 250,000.00
2,653,500.00 5,900,989.24
networth -3,247,489.24
0 in student loans, borrowed at 10%
Rs 1,00,00,000 next year, partly
, cost them Rs 25,000 annually. Mr.
ld worth Rs 12,00,000 given by her
es Rs 1,00,000 on her car loan. The
ses of 50,000 for the current year.

3+3 Marks
2 Marks
ould he get the loan? 2 Marks

student loan
loan 1,100,000 per pmt ipmt ppmt
rate 10% 0.008333 1 ₹ 16,691.58 ₹ 9,166.67 ₹ 7,524.91
years 8 96 2 ₹ 16,691.58 ₹ 9,103.96 ₹ 7,587.62
from 1 year ago 3 ₹ 16,691.58 ₹ 9,040.73 ₹ 7,650.85
4 ₹ 16,691.58 ₹ 8,976.97 ₹ 7,714.61
5 ₹ 16,691.58 ₹ 8,912.68 ₹ 7,778.90
6 ₹ 16,691.58 ₹ 8,847.86 ₹ 7,843.72
7 ₹ 16,691.58 ₹ 8,782.49 ₹ 7,909.09
8 ₹ 16,691.58 ₹ 8,716.59 ₹ 7,974.99
9 ₹ 16,691.58 ₹ 8,650.13 ₹ 8,041.45
10 ₹ 16,691.58 ₹ 8,583.12 ₹ 8,108.47
11 ₹ 16,691.58 ₹ 8,515.54 ₹ 8,176.04

12 ₹ 16,691.58 ₹ 8,447.41 ₹ 8,244.17

13 ₹ 16,691.58 ₹ 8,378.71 ₹ 8,312.87

14 ₹ 16,691.58 ₹ 8,309.44 ₹ 8,382.14

15 ₹ 16,691.58 ₹ 8,239.58 ₹ 8,452.00
16 ₹ 16,691.58 ₹ 8,169.15 ₹ 8,522.43
17 ₹ 16,691.58 ₹ 8,098.13 ₹ 8,593.45
18 ₹ 16,691.58 ₹ 8,026.52 ₹ 8,665.06
19 ₹ 16,691.58 ₹ 7,954.31 ₹ 8,737.27
20 ₹ 16,691.58 ₹ 7,881.50 ₹ 8,810.08
21 ₹ 16,691.58 ₹ 7,808.08 ₹ 8,883.50
22 ₹ 16,691.58 ₹ 7,734.05 ₹ 8,957.53
23 ₹ 16,691.58 ₹ 7,659.41 ₹ 9,032.17
24 ₹ 16,691.58 ₹ 7,584.14 ₹ 9,107.44
25 ₹ 16,691.58 ₹ 7,508.24 ₹ 9,183.34
26 ₹ 16,691.58 ₹ 7,431.72 ₹ 9,259.86
27 ₹ 16,691.58 ₹ 7,354.55 ₹ 9,337.03
28 ₹ 16,691.58 ₹ 7,276.74 ₹ 9,414.84
29 ₹ 16,691.58 ₹ 7,198.28 ₹ 9,493.30
30 ₹ 16,691.58 ₹ 7,119.17 ₹ 9,572.41
31 ₹ 16,691.58 ₹ 7,039.40 ₹ 9,652.18
32 ₹ 16,691.58 ₹ 6,958.97 ₹ 9,732.61
33 ₹ 16,691.58 ₹ 6,877.86 ₹ 9,813.72
34 ₹ 16,691.58 ₹ 6,796.08 ₹ 9,895.50
35 ₹ 16,691.58 ₹ 6,713.62 ₹ 9,977.96
36 ₹ 16,691.58 ₹ 6,630.47 ₹ 10,061.11
37 ₹ 16,691.58 ₹ 6,546.63 ₹ 10,144.95
38 ₹ 16,691.58 ₹ 6,462.09 ₹ 10,229.49
39 ₹ 16,691.58 ₹ 6,376.84 ₹ 10,314.74
40 ₹ 16,691.58 ₹ 6,290.89 ₹ 10,400.70
41 ₹ 16,691.58 ₹ 6,204.21 ₹ 10,487.37
42 ₹ 16,691.58 ₹ 6,116.82 ₹ 10,574.76
43 ₹ 16,691.58 ₹ 6,028.69 ₹ 10,662.89
44 ₹ 16,691.58 ₹ 5,939.84 ₹ 10,751.74
45 ₹ 16,691.58 ₹ 5,850.24 ₹ 10,841.34
46 ₹ 16,691.58 ₹ 5,759.90 ₹ 10,931.69
47 ₹ 16,691.58 ₹ 5,668.80 ₹ 11,022.78
48 ₹ 16,691.58 ₹ 5,576.94 ₹ 11,114.64
49 ₹ 16,691.58 ₹ 5,484.32 ₹ 11,207.26
50 ₹ 16,691.58 ₹ 5,390.93 ₹ 11,300.66
51 ₹ 16,691.58 ₹ 5,296.75 ₹ 11,394.83
52 ₹ 16,691.58 ₹ 5,201.80 ₹ 11,489.78
53 ₹ 16,691.58 ₹ 5,106.05 ₹ 11,585.53
54 ₹ 16,691.58 ₹ 5,009.50 ₹ 11,682.08
55 ₹ 16,691.58 ₹ 4,912.15 ₹ 11,779.43
56 ₹ 16,691.58 ₹ 4,813.99 ₹ 11,877.59
57 ₹ 16,691.58 ₹ 4,715.01 ₹ 11,976.57
58 ₹ 16,691.58 ₹ 4,615.20 ₹ 12,076.38
59 ₹ 16,691.58 ₹ 4,514.57 ₹ 12,177.01
60 ₹ 16,691.58 ₹ 4,413.09 ₹ 12,278.49
61 ₹ 16,691.58 ₹ 4,310.77 ₹ 12,380.81
62 ₹ 16,691.58 ₹ 4,207.60 ₹ 12,483.98
63 ₹ 16,691.58 ₹ 4,103.57 ₹ 12,588.01
64 ₹ 16,691.58 ₹ 3,998.67 ₹ 12,692.91
65 ₹ 16,691.58 ₹ 3,892.89 ₹ 12,798.69
66 ₹ 16,691.58 ₹ 3,786.24 ₹ 12,905.34
67 ₹ 16,691.58 ₹ 3,678.69 ₹ 13,012.89
68 ₹ 16,691.58 ₹ 3,570.25 ₹ 13,121.33
69 ₹ 16,691.58 ₹ 3,460.91 ₹ 13,230.67
70 ₹ 16,691.58 ₹ 3,350.65 ₹ 13,340.93
71 ₹ 16,691.58 ₹ 3,239.48 ₹ 13,452.10
72 ₹ 16,691.58 ₹ 3,127.38 ₹ 13,564.21
73 ₹ 16,691.58 ₹ 3,014.34 ₹ 13,677.24
74 ₹ 16,691.58 ₹ 2,900.36 ₹ 13,791.22
75 ₹ 16,691.58 ₹ 2,785.44 ₹ 13,906.14
76 ₹ 16,691.58 ₹ 2,669.55 ₹ 14,022.03
77 ₹ 16,691.58 ₹ 2,552.70 ₹ 14,138.88
78 ₹ 16,691.58 ₹ 2,434.88 ₹ 14,256.70
79 ₹ 16,691.58 ₹ 2,316.07 ₹ 14,375.51
80 ₹ 16,691.58 ₹ 2,196.28 ₹ 14,495.30
81 ₹ 16,691.58 ₹ 2,075.48 ₹ 14,616.10
82 ₹ 16,691.58 ₹ 1,953.68 ₹ 14,737.90
83 ₹ 16,691.58 ₹ 1,830.86 ₹ 14,860.72
84 ₹ 16,691.58 ₹ 1,707.03 ₹ 14,984.55
85 ₹ 16,691.58 ₹ 1,582.15 ₹ 15,109.43
86 ₹ 16,691.58 ₹ 1,456.24 ₹ 15,235.34
87 ₹ 16,691.58 ₹ 1,329.28 ₹ 15,362.30
88 ₹ 16,691.58 ₹ 1,201.26 ₹ 15,490.32
89 ₹ 16,691.58 ₹ 1,072.18 ₹ 15,619.40
90 ₹ 16,691.58 ₹ 942.01 ₹ 15,749.57
91 ₹ 16,691.58 ₹ 810.77 ₹ 15,880.81
92 ₹ 16,691.58 ₹ 678.43 ₹ 16,013.15
93 ₹ 16,691.58 ₹ 544.99 ₹ 16,146.60
94 ₹ 16,691.58 ₹ 410.43 ₹ 16,281.15
95 ₹ 16,691.58 ₹ 274.75 ₹ 16,416.83
96 ₹ 16,691.58 ₹ 137.95 ₹ 16,553.63
 mordgage b)
balance house 10,000,000 per pmt
₹ 1,092,475.09 parents 5,000,000 1 ₹ 43,391.16
₹ 1,084,887.46 loan 5,000,000 2 ₹ 43,391.16
₹ 1,077,236.61 rate 8.50% 0.007083 3 ₹ 43,391.16
₹ 1,069,522.00 years 20 240 4 ₹ 43,391.16
₹ 1,061,743.11 5 ₹ 43,391.16
₹ 1,053,899.39 6 ₹ 43,391.16
₹ 1,045,990.30 7 ₹ 43,391.16
₹ 1,038,015.31 8 ₹ 43,391.16
₹ 1,029,973.85 9 ₹ 43,391.16
₹ 1,021,865.39 10 ₹ 43,391.16
₹ 1,013,689.35 11 ₹ 43,391.16

₹ 1,005,445.18 12 ₹ 43,391.16

₹ 997,132.31 13 ₹ 43,391.16

₹ 988,750.17 14 ₹ 43,391.16
₹ 980,298.17 15 ₹ 43,391.16
₹ 971,775.74 16 ₹ 43,391.16
₹ 963,182.29 17 ₹ 43,391.16
₹ 954,517.23 18 ₹ 43,391.16
₹ 945,779.96 19 ₹ 43,391.16
₹ 936,969.88 20 ₹ 43,391.16
₹ 928,086.38 21 ₹ 43,391.16
₹ 919,128.86 22 ₹ 43,391.16
₹ 910,096.68 23 ₹ 43,391.16
₹ 900,989.24 24 ₹ 43,391.16
₹ 891,805.90 25 ₹ 43,391.16
₹ 882,546.04 26 ₹ 43,391.16
₹ 873,209.01 27 ₹ 43,391.16
₹ 863,794.17 28 ₹ 43,391.16
₹ 854,300.87 29 ₹ 43,391.16
₹ 844,728.47 30 ₹ 43,391.16
₹ 835,076.29 31 ₹ 43,391.16
₹ 825,343.68 32 ₹ 43,391.16
₹ 815,529.96 33 ₹ 43,391.16
₹ 805,634.47 34 ₹ 43,391.16
₹ 795,656.51 35 ₹ 43,391.16
₹ 785,595.40 36 ₹ 43,391.16
₹ 775,450.44 37 ₹ 43,391.16
₹ 765,220.95 38 ₹ 43,391.16
₹ 754,906.21 39 ₹ 43,391.16
₹ 744,505.52 40 ₹ 43,391.16
₹ 734,018.15 41 ₹ 43,391.16
₹ 723,443.39 42 ₹ 43,391.16
₹ 712,780.50 43 ₹ 43,391.16
₹ 702,028.76 44 ₹ 43,391.16
₹ 691,187.42 45 ₹ 43,391.16
₹ 680,255.73 46 ₹ 43,391.16
₹ 669,232.95 47 ₹ 43,391.16
₹ 658,118.31 48 ₹ 43,391.16
₹ 646,911.05 49 ₹ 43,391.16
₹ 635,610.39 50 ₹ 43,391.16
₹ 624,215.56 51 ₹ 43,391.16
₹ 612,725.78 52 ₹ 43,391.16
₹ 601,140.25 53 ₹ 43,391.16
₹ 589,458.17 54 ₹ 43,391.16
₹ 577,678.74 55 ₹ 43,391.16
₹ 565,801.15 56 ₹ 43,391.16
₹ 553,824.58 57 ₹ 43,391.16
₹ 541,748.20 58 ₹ 43,391.16
₹ 529,571.19 59 ₹ 43,391.16
₹ 517,292.70 60 ₹ 43,391.16
₹ 504,911.90 61 ₹ 43,391.16
₹ 492,427.91 62 ₹ 43,391.16
₹ 479,839.90 63 ₹ 43,391.16
₹ 467,146.99 64 ₹ 43,391.16
₹ 454,348.30 65 ₹ 43,391.16
₹ 441,442.95 66 ₹ 43,391.16
₹ 428,430.06 67 ₹ 43,391.16
₹ 415,308.73 68 ₹ 43,391.16
₹ 402,078.06 69 ₹ 43,391.16
₹ 388,737.13 70 ₹ 43,391.16
₹ 375,285.02 71 ₹ 43,391.16
₹ 361,720.82 72 ₹ 43,391.16
₹ 348,043.58 73 ₹ 43,391.16
₹ 334,252.36 74 ₹ 43,391.16
₹ 320,346.22 75 ₹ 43,391.16
₹ 306,324.19 76 ₹ 43,391.16
₹ 292,185.31 77 ₹ 43,391.16
₹ 277,928.61 78 ₹ 43,391.16
₹ 263,553.10 79 ₹ 43,391.16
₹ 249,057.79 80 ₹ 43,391.16
₹ 234,441.69 81 ₹ 43,391.16
₹ 219,703.79 82 ₹ 43,391.16
₹ 204,843.08 83 ₹ 43,391.16
₹ 189,858.52 84 ₹ 43,391.16
₹ 174,749.10 85 ₹ 43,391.16
₹ 159,513.76 86 ₹ 43,391.16
₹ 144,151.46 87 ₹ 43,391.16
₹ 128,661.14 88 ₹ 43,391.16
₹ 113,041.74 89 ₹ 43,391.16
₹ 97,292.17 90 ₹ 43,391.16
₹ 81,411.36 91 ₹ 43,391.16
₹ 65,398.21 92 ₹ 43,391.16
₹ 49,251.61 93 ₹ 43,391.16
₹ 32,970.46 94 ₹ 43,391.16
₹ 16,553.63 95 ₹ 43,391.16
₹ 0.00 96 ₹ 43,391.16
97 ₹ 43,391.16
98 ₹ 43,391.16
99 ₹ 43,391.16
100 ₹ 43,391.16
101 ₹ 43,391.16
102 ₹ 43,391.16
103 ₹ 43,391.16
104 ₹ 43,391.16
105 ₹ 43,391.16
106 ₹ 43,391.16
107 ₹ 43,391.16
108 ₹ 43,391.16
109 ₹ 43,391.16
110 ₹ 43,391.16
111 ₹ 43,391.16
112 ₹ 43,391.16
113 ₹ 43,391.16
114 ₹ 43,391.16
115 ₹ 43,391.16
116 ₹ 43,391.16
117 ₹ 43,391.16
118 ₹ 43,391.16
119 ₹ 43,391.16
120 ₹ 43,391.16
121 ₹ 43,391.16
122 ₹ 43,391.16
123 ₹ 43,391.16
124 ₹ 43,391.16
125 ₹ 43,391.16
126 ₹ 43,391.16
127 ₹ 43,391.16
128 ₹ 43,391.16
129 ₹ 43,391.16
130 ₹ 43,391.16
131 ₹ 43,391.16
132 ₹ 43,391.16
133 ₹ 43,391.16
134 ₹ 43,391.16
135 ₹ 43,391.16
136 ₹ 43,391.16
137 ₹ 43,391.16
138 ₹ 43,391.16
139 ₹ 43,391.16
140 ₹ 43,391.16
141 ₹ 43,391.16
142 ₹ 43,391.16
143 ₹ 43,391.16
144 ₹ 43,391.16
145 ₹ 43,391.16
146 ₹ 43,391.16
147 ₹ 43,391.16
148 ₹ 43,391.16
149 ₹ 43,391.16
150 ₹ 43,391.16
151 ₹ 43,391.16
152 ₹ 43,391.16
153 ₹ 43,391.16
154 ₹ 43,391.16
155 ₹ 43,391.16
156 ₹ 43,391.16
157 ₹ 43,391.16
158 ₹ 43,391.16
159 ₹ 43,391.16
160 ₹ 43,391.16
161 ₹ 43,391.16
162 ₹ 43,391.16
163 ₹ 43,391.16
164 ₹ 43,391.16
165 ₹ 43,391.16
166 ₹ 43,391.16
167 ₹ 43,391.16
168 ₹ 43,391.16
169 ₹ 43,391.16
170 ₹ 43,391.16
171 ₹ 43,391.16
172 ₹ 43,391.16
173 ₹ 43,391.16
174 ₹ 43,391.16
175 ₹ 43,391.16
176 ₹ 43,391.16
177 ₹ 43,391.16
178 ₹ 43,391.16
179 ₹ 43,391.16
180 ₹ 43,391.16
181 ₹ 43,391.16
182 ₹ 43,391.16
183 ₹ 43,391.16
184 ₹ 43,391.16
185 ₹ 43,391.16
186 ₹ 43,391.16
187 ₹ 43,391.16
188 ₹ 43,391.16
189 ₹ 43,391.16
190 ₹ 43,391.16
191 ₹ 43,391.16
192 ₹ 43,391.16
193 ₹ 43,391.16
194 ₹ 43,391.16
195 ₹ 43,391.16
196 ₹ 43,391.16
197 ₹ 43,391.16
198 ₹ 43,391.16
199 ₹ 43,391.16
200 ₹ 43,391.16
201 ₹ 43,391.16
202 ₹ 43,391.16
203 ₹ 43,391.16
204 ₹ 43,391.16
205 ₹ 43,391.16
206 ₹ 43,391.16
207 ₹ 43,391.16
208 ₹ 43,391.16
209 ₹ 43,391.16
210 ₹ 43,391.16
211 ₹ 43,391.16
212 ₹ 43,391.16
213 ₹ 43,391.16
214 ₹ 43,391.16
215 ₹ 43,391.16
216 ₹ 43,391.16
217 ₹ 43,391.16
218 ₹ 43,391.16
219 ₹ 43,391.16
220 ₹ 43,391.16
221 ₹ 43,391.16
222 ₹ 43,391.16
223 ₹ 43,391.16
224 ₹ 43,391.16
225 ₹ 43,391.16
226 ₹ 43,391.16
227 ₹ 43,391.16
228 ₹ 43,391.16
229 ₹ 43,391.16
230 ₹ 43,391.16
231 ₹ 43,391.16
232 ₹ 43,391.16
233 ₹ 43,391.16
234 ₹ 43,391.16
235 ₹ 43,391.16
236 ₹ 43,391.16
237 ₹ 43,391.16
238 ₹ 43,391.16
239 ₹ 43,391.16
240 ₹ 43,391.16
ipmt ppmt balance
₹ 35,416.67 ₹ 7,974.50 ₹ 4,992,025.50
₹ 35,360.18 ₹ 8,030.98 ₹ 4,983,994.52
₹ 35,303.29 ₹ 8,087.87 ₹ 4,975,906.66
₹ 35,246.01 ₹ 8,145.16 ₹ 4,967,761.50
₹ 35,188.31 ₹ 8,202.85 ₹ 4,959,558.65
₹ 35,130.21 ₹ 8,260.95 ₹ 4,951,297.70
₹ 35,071.69 ₹ 8,319.47 ₹ 4,942,978.23
₹ 35,012.76 ₹ 8,378.40 ₹ 4,934,599.83
₹ 34,953.42 ₹ 8,437.75 ₹ 4,926,162.08
₹ 34,893.65 ₹ 8,497.51 ₹ 4,917,664.57
₹ 34,833.46 ₹ 8,557.70 ₹ 4,909,106.86

₹ 34,772.84 ₹ 8,618.32 ₹ 4,900,488.54

₹ 34,711.79 ₹ 8,679.37 ₹ 4,891,809.17

₹ 34,650.31 ₹ 8,740.85 ₹ 4,883,068.33

₹ 34,588.40 ₹ 8,802.76 ₹ 4,874,265.57
₹ 34,526.05 ₹ 8,865.11 ₹ 4,865,400.45
₹ 34,463.25 ₹ 8,927.91 ₹ 4,856,472.54
₹ 34,400.01 ₹ 8,991.15 ₹ 4,847,481.39
₹ 34,336.33 ₹ 9,054.84 ₹ 4,838,426.56
₹ 34,272.19 ₹ 9,118.97 ₹ 4,829,307.59
₹ 34,207.60 ₹ 9,183.57 ₹ 4,820,124.02
₹ 34,142.55 ₹ 9,248.62 ₹ 4,810,875.40
₹ 34,077.03 ₹ 9,314.13 ₹ 4,801,561.28
₹ 34,011.06 ₹ 9,380.10 ₹ 4,792,181.17
₹ 33,944.62 ₹ 9,446.55 ₹ 4,782,734.63
₹ 33,877.70 ₹ 9,513.46 ₹ 4,773,221.17
₹ 33,810.32 ₹ 9,580.85 ₹ 4,763,640.33
₹ 33,742.45 ₹ 9,648.71 ₹ 4,753,991.62
₹ 33,674.11 ₹ 9,717.05 ₹ 4,744,274.56
₹ 33,605.28 ₹ 9,785.88 ₹ 4,734,488.68
₹ 33,535.96 ₹ 9,855.20 ₹ 4,724,633.48
₹ 33,466.15 ₹ 9,925.01 ₹ 4,714,708.47
₹ 33,395.85 ₹ 9,995.31 ₹ 4,704,713.16
₹ 33,325.05 ₹ 10,066.11 ₹ 4,694,647.05
₹ 33,253.75 ₹ 10,137.41 ₹ 4,684,509.64
₹ 33,181.94 ₹ 10,209.22 ₹ 4,674,300.42
₹ 33,109.63 ₹ 10,281.53 ₹ 4,664,018.89
₹ 33,036.80 ₹ 10,354.36 ₹ 4,653,664.52
₹ 32,963.46 ₹ 10,427.70 ₹ 4,643,236.82
₹ 32,889.59 ₹ 10,501.57 ₹ 4,632,735.25
₹ 32,815.21 ₹ 10,575.95 ₹ 4,622,159.30
₹ 32,740.30 ₹ 10,650.87 ₹ 4,611,508.43
₹ 32,664.85 ₹ 10,726.31 ₹ 4,600,782.12
₹ 32,588.87 ₹ 10,802.29 ₹ 4,589,979.83
₹ 32,512.36 ₹ 10,878.80 ₹ 4,579,101.03
₹ 32,435.30 ₹ 10,955.86 ₹ 4,568,145.17
₹ 32,357.69 ₹ 11,033.47 ₹ 4,557,111.70
₹ 32,279.54 ₹ 11,111.62 ₹ 4,546,000.08
₹ 32,200.83 ₹ 11,190.33 ₹ 4,534,809.75
₹ 32,121.57 ₹ 11,269.59 ₹ 4,523,540.16
₹ 32,041.74 ₹ 11,349.42 ₹ 4,512,190.74
₹ 31,961.35 ₹ 11,429.81 ₹ 4,500,760.93
₹ 31,880.39 ₹ 11,510.77 ₹ 4,489,250.16
₹ 31,798.86 ₹ 11,592.31 ₹ 4,477,657.85
₹ 31,716.74 ₹ 11,674.42 ₹ 4,465,983.43
₹ 31,634.05 ₹ 11,757.11 ₹ 4,454,226.32
₹ 31,550.77 ₹ 11,840.39 ₹ 4,442,385.93
₹ 31,466.90 ₹ 11,924.26 ₹ 4,430,461.67
₹ 31,382.44 ₹ 12,008.72 ₹ 4,418,452.94
₹ 31,297.38 ₹ 12,093.79 ₹ 4,406,359.16
₹ 31,211.71 ₹ 12,179.45 ₹ 4,394,179.70
₹ 31,125.44 ₹ 12,265.72 ₹ 4,381,913.98
₹ 31,038.56 ₹ 12,352.60 ₹ 4,369,561.38
₹ 30,951.06 ₹ 12,440.10 ₹ 4,357,121.28
₹ 30,862.94 ₹ 12,528.22 ₹ 4,344,593.06
₹ 30,774.20 ₹ 12,616.96 ₹ 4,331,976.10
₹ 30,684.83 ₹ 12,706.33 ₹ 4,319,269.77
₹ 30,594.83 ₹ 12,796.33 ₹ 4,306,473.43
₹ 30,504.19 ₹ 12,886.97 ₹ 4,293,586.46
₹ 30,412.90 ₹ 12,978.26 ₹ 4,280,608.20
₹ 30,320.97 ₹ 13,070.19 ₹ 4,267,538.01
₹ 30,228.39 ₹ 13,162.77 ₹ 4,254,375.24
₹ 30,135.16 ₹ 13,256.00 ₹ 4,241,119.24
₹ 30,041.26 ₹ 13,349.90 ₹ 4,227,769.34
₹ 29,946.70 ₹ 13,444.46 ₹ 4,214,324.88
₹ 29,851.47 ₹ 13,539.69 ₹ 4,200,785.18
₹ 29,755.56 ₹ 13,635.60 ₹ 4,187,149.58
₹ 29,658.98 ₹ 13,732.19 ₹ 4,173,417.40
₹ 29,561.71 ₹ 13,829.46 ₹ 4,159,587.94
₹ 29,463.75 ₹ 13,927.41 ₹ 4,145,660.53
₹ 29,365.10 ₹ 14,026.07 ₹ 4,131,634.46
₹ 29,265.74 ₹ 14,125.42 ₹ 4,117,509.05
₹ 29,165.69 ₹ 14,225.47 ₹ 4,103,283.57
₹ 29,064.93 ₹ 14,326.24 ₹ 4,088,957.34
₹ 28,963.45 ₹ 14,427.71 ₹ 4,074,529.62
₹ 28,861.25 ₹ 14,529.91 ₹ 4,059,999.71
₹ 28,758.33 ₹ 14,632.83 ₹ 4,045,366.88
₹ 28,654.68 ₹ 14,736.48 ₹ 4,030,630.40
₹ 28,550.30 ₹ 14,840.86 ₹ 4,015,789.54
₹ 28,445.18 ₹ 14,945.99 ₹ 4,000,843.55
₹ 28,339.31 ₹ 15,051.85 ₹ 3,985,791.70
₹ 28,232.69 ₹ 15,158.47 ₹ 3,970,633.23
₹ 28,125.32 ₹ 15,265.84 ₹ 3,955,367.39
₹ 28,017.19 ₹ 15,373.98 ₹ 3,939,993.41
₹ 27,908.29 ₹ 15,482.88 ₹ 3,924,510.54
₹ 27,798.62 ₹ 15,592.55 ₹ 3,908,917.99
₹ 27,688.17 ₹ 15,702.99 ₹ 3,893,215.00
₹ 27,576.94 ₹ 15,814.22 ₹ 3,877,400.78
₹ 27,464.92 ₹ 15,926.24 ₹ 3,861,474.54
₹ 27,352.11 ₹ 16,039.05 ₹ 3,845,435.49
₹ 27,238.50 ₹ 16,152.66 ₹ 3,829,282.83
₹ 27,124.09 ₹ 16,267.07 ₹ 3,813,015.75
₹ 27,008.86 ₹ 16,382.30 ₹ 3,796,633.45
₹ 26,892.82 ₹ 16,498.34 ₹ 3,780,135.11
₹ 26,775.96 ₹ 16,615.20 ₹ 3,763,519.91
₹ 26,658.27 ₹ 16,732.90 ₹ 3,746,787.01
₹ 26,539.74 ₹ 16,851.42 ₹ 3,729,935.59
₹ 26,420.38 ₹ 16,970.78 ₹ 3,712,964.80
₹ 26,300.17 ₹ 17,090.99 ₹ 3,695,873.81
₹ 26,179.11 ₹ 17,212.06 ₹ 3,678,661.76
₹ 26,057.19 ₹ 17,333.97 ₹ 3,661,327.78
₹ 25,934.41 ₹ 17,456.76 ₹ 3,643,871.02
₹ 25,810.75 ₹ 17,580.41 ₹ 3,626,290.62
₹ 25,686.23 ₹ 17,704.94 ₹ 3,608,585.68
₹ 25,560.82 ₹ 17,830.35 ₹ 3,590,755.33
₹ 25,434.52 ₹ 17,956.64 ₹ 3,572,798.69
₹ 25,307.32 ₹ 18,083.84 ₹ 3,554,714.85
₹ 25,179.23 ₹ 18,211.93 ₹ 3,536,502.92
₹ 25,050.23 ₹ 18,340.93 ₹ 3,518,161.99
₹ 24,920.31 ₹ 18,470.85 ₹ 3,499,691.14
₹ 24,789.48 ₹ 18,601.68 ₹ 3,481,089.46
₹ 24,657.72 ₹ 18,733.44 ₹ 3,462,356.01
₹ 24,525.02 ₹ 18,866.14 ₹ 3,443,489.87
₹ 24,391.39 ₹ 18,999.78 ₹ 3,424,490.10
₹ 24,256.80 ₹ 19,134.36 ₹ 3,405,355.74
₹ 24,121.27 ₹ 19,269.89 ₹ 3,386,085.85
₹ 23,984.77 ₹ 19,406.39 ₹ 3,366,679.46
₹ 23,847.31 ₹ 19,543.85 ₹ 3,347,135.61
₹ 23,708.88 ₹ 19,682.28 ₹ 3,327,453.33
₹ 23,569.46 ₹ 19,821.70 ₹ 3,307,631.63
₹ 23,429.06 ₹ 19,962.10 ₹ 3,287,669.52
₹ 23,287.66 ₹ 20,103.50 ₹ 3,267,566.02
₹ 23,145.26 ₹ 20,245.90 ₹ 3,247,320.12
₹ 23,001.85 ₹ 20,389.31 ₹ 3,226,930.81
₹ 22,857.43 ₹ 20,533.74 ₹ 3,206,397.07
₹ 22,711.98 ₹ 20,679.18 ₹ 3,185,717.89
₹ 22,565.50 ₹ 20,825.66 ₹ 3,164,892.23
₹ 22,417.99 ₹ 20,973.18 ₹ 3,143,919.05
₹ 22,269.43 ₹ 21,121.74 ₹ 3,122,797.32
₹ 22,119.81 ₹ 21,271.35 ₹ 3,101,525.97
₹ 21,969.14 ₹ 21,422.02 ₹ 3,080,103.95
₹ 21,817.40 ₹ 21,573.76 ₹ 3,058,530.19
₹ 21,664.59 ₹ 21,726.57 ₹ 3,036,803.62
₹ 21,510.69 ₹ 21,880.47 ₹ 3,014,923.15
₹ 21,355.71 ₹ 22,035.46 ₹ 2,992,887.70
₹ 21,199.62 ₹ 22,191.54 ₹ 2,970,696.16
₹ 21,042.43 ₹ 22,348.73 ₹ 2,948,347.42
₹ 20,884.13 ₹ 22,507.03 ₹ 2,925,840.39
₹ 20,724.70 ₹ 22,666.46 ₹ 2,903,173.93
₹ 20,564.15 ₹ 22,827.01 ₹ 2,880,346.92
₹ 20,402.46 ₹ 22,988.70 ₹ 2,857,358.21
₹ 20,239.62 ₹ 23,151.54 ₹ 2,834,206.67
₹ 20,075.63 ₹ 23,315.53 ₹ 2,810,891.14
₹ 19,910.48 ₹ 23,480.68 ₹ 2,787,410.46
₹ 19,744.16 ₹ 23,647.00 ₹ 2,763,763.46
₹ 19,576.66 ₹ 23,814.50 ₹ 2,739,948.95
₹ 19,407.97 ₹ 23,983.19 ₹ 2,715,965.76
₹ 19,238.09 ₹ 24,153.07 ₹ 2,691,812.69
₹ 19,067.01 ₹ 24,324.16 ₹ 2,667,488.54
₹ 18,894.71 ₹ 24,496.45 ₹ 2,642,992.08
₹ 18,721.19 ₹ 24,669.97 ₹ 2,618,322.12
₹ 18,546.45 ₹ 24,844.71 ₹ 2,593,477.40
₹ 18,370.46 ₹ 25,020.70 ₹ 2,568,456.71
₹ 18,193.24 ₹ 25,197.93 ₹ 2,543,258.78
₹ 18,014.75 ₹ 25,376.41 ₹ 2,517,882.37
₹ 17,835.00 ₹ 25,556.16 ₹ 2,492,326.21
₹ 17,653.98 ₹ 25,737.18 ₹ 2,466,589.02
₹ 17,471.67 ₹ 25,919.49 ₹ 2,440,669.53
₹ 17,288.08 ₹ 26,103.09 ₹ 2,414,566.45
₹ 17,103.18 ₹ 26,287.98 ₹ 2,388,278.46
₹ 16,916.97 ₹ 26,474.19 ₹ 2,361,804.27
₹ 16,729.45 ₹ 26,661.71 ₹ 2,335,142.56
₹ 16,540.59 ₹ 26,850.57 ₹ 2,308,291.99
₹ 16,350.40 ₹ 27,040.76 ₹ 2,281,251.23
₹ 16,158.86 ₹ 27,232.30 ₹ 2,254,018.93
₹ 15,965.97 ₹ 27,425.19 ₹ 2,226,593.74
₹ 15,771.71 ₹ 27,619.46 ₹ 2,198,974.28
₹ 15,576.07 ₹ 27,815.09 ₹ 2,171,159.19
₹ 15,379.04 ₹ 28,012.12 ₹ 2,143,147.07
₹ 15,180.63 ₹ 28,210.54 ₹ 2,114,936.53
₹ 14,980.80 ₹ 28,410.36 ₹ 2,086,526.17
₹ 14,779.56 ₹ 28,611.60 ₹ 2,057,914.57
₹ 14,576.89 ₹ 28,814.27 ₹ 2,029,100.31
₹ 14,372.79 ₹ 29,018.37 ₹ 2,000,081.94
₹ 14,167.25 ₹ 29,223.91 ₹ 1,970,858.02
₹ 13,960.24 ₹ 29,430.92 ₹ 1,941,427.11
₹ 13,751.78 ₹ 29,639.39 ₹ 1,911,787.72
₹ 13,541.83 ₹ 29,849.33 ₹ 1,881,938.39
₹ 13,330.40 ₹ 30,060.76 ₹ 1,851,877.62
₹ 13,117.47 ₹ 30,273.70 ₹ 1,821,603.93
₹ 12,903.03 ₹ 30,488.13 ₹ 1,791,115.79
₹ 12,687.07 ₹ 30,704.09 ₹ 1,760,411.70
₹ 12,469.58 ₹ 30,921.58 ₹ 1,729,490.12
₹ 12,250.56 ₹ 31,140.61 ₹ 1,698,349.52
₹ 12,029.98 ₹ 31,361.19 ₹ 1,666,988.33
₹ 11,807.83 ₹ 31,583.33 ₹ 1,635,405.00
₹ 11,584.12 ₹ 31,807.04 ₹ 1,603,597.96
₹ 11,358.82 ₹ 32,032.34 ₹ 1,571,565.62
₹ 11,131.92 ₹ 32,259.24 ₹ 1,539,306.38
₹ 10,903.42 ₹ 32,487.74 ₹ 1,506,818.64
₹ 10,673.30 ₹ 32,717.86 ₹ 1,474,100.77
₹ 10,441.55 ₹ 32,949.61 ₹ 1,441,151.16
₹ 10,208.15 ₹ 33,183.01 ₹ 1,407,968.15
₹ 9,973.11 ₹ 33,418.05 ₹ 1,374,550.10
₹ 9,736.40 ₹ 33,654.77 ₹ 1,340,895.33
₹ 9,498.01 ₹ 33,893.15 ₹ 1,307,002.18
₹ 9,257.93 ₹ 34,133.23 ₹ 1,272,868.95
₹ 9,016.16 ₹ 34,375.01 ₹ 1,238,493.94
₹ 8,772.67 ₹ 34,618.50 ₹ 1,203,875.45
₹ 8,527.45 ₹ 34,863.71 ₹ 1,169,011.74
₹ 8,280.50 ₹ 35,110.66 ₹ 1,133,901.08
₹ 8,031.80 ₹ 35,359.36 ₹ 1,098,541.71
₹ 7,781.34 ₹ 35,609.82 ₹ 1,062,931.89
₹ 7,529.10 ₹ 35,862.06 ₹ 1,027,069.83
₹ 7,275.08 ₹ 36,116.08 ₹ 990,953.74
₹ 7,019.26 ₹ 36,371.91 ₹ 954,581.84
₹ 6,761.62 ₹ 36,629.54 ₹ 917,952.30
₹ 6,502.16 ₹ 36,889.00 ₹ 881,063.30
₹ 6,240.87 ₹ 37,150.30 ₹ 843,913.00
₹ 5,977.72 ₹ 37,413.44 ₹ 806,499.56
₹ 5,712.71 ₹ 37,678.46 ₹ 768,821.10
₹ 5,445.82 ₹ 37,945.35 ₹ 730,875.75
₹ 5,177.04 ₹ 38,214.13 ₹ 692,661.63
₹ 4,906.35 ₹ 38,484.81 ₹ 654,176.82
₹ 4,633.75 ₹ 38,757.41 ₹ 615,419.41
₹ 4,359.22 ₹ 39,031.94 ₹ 576,387.47
₹ 4,082.74 ₹ 39,308.42 ₹ 537,079.05
₹ 3,804.31 ₹ 39,586.85 ₹ 497,492.20
₹ 3,523.90 ₹ 39,867.26 ₹ 457,624.94
₹ 3,241.51 ₹ 40,149.65 ₹ 417,475.29
₹ 2,957.12 ₹ 40,434.05 ₹ 377,041.25
₹ 2,670.71 ₹ 40,720.45 ₹ 336,320.79
₹ 2,382.27 ₹ 41,008.89 ₹ 295,311.90
₹ 2,091.79 ₹ 41,299.37 ₹ 254,012.54
₹ 1,799.26 ₹ 41,591.91 ₹ 212,420.63
₹ 1,504.65 ₹ 41,886.52 ₹ 170,534.11
₹ 1,207.95 ₹ 42,183.21 ₹ 128,350.90
₹ 909.15 ₹ 42,482.01 ₹ 85,868.89
₹ 608.24 ₹ 42,782.92 ₹ 43,085.97
₹ 305.19 ₹ 43,085.97 ₹ 0.00