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VIJAY DHRUV

INSURANCE AND INVESTMENT CONSULTANTS

A/31,PRANIK GARDEN TOWER CHS.LTD.
MAHAVIR NAGAR,KANDIVALI(W).
MUMBAI-400067
TEL :022 28082361 M: 98205 39405

Multi - Plan Chart

Date : 24/11/2009

Wonder-Plan Quotation

Quotation No : Nida Chart Date : 11/11/2009

Name : Nida Chart required upto : 11/11/2090

Date of Birth : 18/06/1990 Age : 19 I. T. Slab : 30.60%

Loan Interest Rate : 9.00% Loan Re-Investment Rate : 10.50%

Maturity/S.B. proceeds Re-invt. Rate : 7.00%

Sec.80 CCE Inv. Limit : 100000 Sec.80 CCE Tax Rebate : 30.60%

Interim
* Assu # Assu
Sr. M Bonus Bonus Step Basic Installment Annual Mat
Plan/Tm/
No Year Plan Name Sum d Rate Rate Rate A/c Premium Premium Premium Date
Prem. Tm

1 2009 178/10/10 Jeevan Tarang 500000 Y 40 40 0.00 52334 52834 52834 11/11/19

2 2009 178/15/15 Jeevan Tarang 500000 Y 44 44 0.00 33861 34361 34361 11/11/24

3 2009 178/20/20 Jeevan Tarang 1000000 Y 48 48 0.00 48220 49220 49220 11/11/29

Total : 2000000 134415 136415 136415 p.a.

Rider Details

Sr. Plan/Tm/ Rider Name Rider Rider Prem. Installment Annual Total
No Year Prem. Tm Sum Term Term Premium Premium Premium Pd.

1 2009 178/10/10 Double Accident Benefit 500000 10 10 500 500 5000

2 2009 178/15/15 Double Accident Benefit 500000 15 15 500 500 7500

3 2009 178/20/20 Double Accident Benefit 1000000 20 20 1000 1000 20000
Total : 2000000 2000 2000 32500

1. '*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2009

2. '#' : - Assuming that bonus rate declared by LIC will increase/decrease per year by step rate mentioned above.

3. ** If premiums paid during the year for any policy exceeds 20% of Sum Assured then Maturity proceeds will be taxable and
eligible amount for section 80 CCE rebate will be restricted to 20% of Sum Assured.

The above statement is based on certain assumptions which are
liable to change according to Government/Corporation's policies.
VIJAY DHRUV
INSURANCE AND INVESTMENT CONSULTANTS

A/31,PRANIK GARDEN TOWER CHS.LTD.
MAHAVIR NAGAR,KANDIVALI(W).
MUMBAI-400067
TEL :022 28082361 M: 98205 39405

Multi - Plan Chart

Insurance Facts

Quotation No : Nida Chart Date : 11/11/2009

Name : Nida Chart required upto : 11/11/2090

Date of Birth : 18/06/1990 Age : 19 I. T. Slab : 30.60%

Risk Cover Annual Tax Nett Returns New Loan Total Loan
Year Age Normal Accident Premium Saved Premium From L.I.C. Available Available

2009 19 2090000 4090000 136415 30600 105815 0 0 0
2010 20 2180000 4180000 136415 30600 105815 0 0 0
2011 21 2270000 4270000 136415 30600 105815 0 132500 132500
2012 22 2360000 4360000 136415 30600 105815 0 115500 248000
2013 23 2450000 4450000 136415 30600 105815 0 101000 349000
2014 24 2540000 4540000 136415 30600 105815 0 115750 464750
2015 25 2630000 4630000 136415 30600 105815 0 132000 596750
2016 26 2720000 4720000 136415 30600 105815 0 150750 747500
2017 27 2810000 4810000 136415 30600 105815 0 171250 918750
2018 28 2900000 4900000 136415 30600 105815 0 247750 1166500
2019 29 2770000 4270000 83581 25575 58006 200000 184250 1150750
2020 30 2840000 4340000 83581 25575 58006 27500 161750 1285000
2021 31 2910000 4410000 83581 25575 58006 27500 179250 1436750
2022 32 2980000 4480000 83581 25575 58006 27500 199500 1608750
2023 33 3050000 4550000 83581 25575 58006 27500 252250 1833500
2024 34 2768000 3768000 49220 15061 34159 357500 198750 1674750
2025 35 2816000 3816000 49220 15061 34159 55000 194000 1813750
2026 36 2864000 3864000 49220 15061 34159 55000 212250 1971000
2027 37 2912000 3912000 49220 15061 34159 55000 232500 2148500
2028 38 2960000 3960000 49220 15061 34159 55000 324750 2418250
2029 39 2000000 2000000 0 0 0 1015000 216750 1620000
2030 40 2000000 2000000 0 0 0 110000 110000 1620000
2031 41 2000000 2000000 0 0 0 110000 110000 1620000
2032 42 2000000 2000000 0 0 0 110000 110000 1620000
2033 43 2000000 2000000 0 0 0 110000 110000 1620000
2034 44 2000000 2000000 0 0 0 110000 110000 1620000
2035 45 2000000 2000000 0 0 0 110000 110000 1620000
2036 46 2000000 2000000 0 0 0 110000 110000 1620000
2037 47 2000000 2000000 0 0 0 110000 110000 1620000
2038 48 2000000 2000000 0 0 0 110000 110000 1620000
2039 49 2000000 2000000 0 0 0 110000 110000 1620000
2040 50 2000000 2000000 0 0 0 110000 110000 1620000

The above statement is based on certain assumptions which are
liable to change according to Government/Corporation's policies.
VIJAY DHRUV
INSURANCE AND INVESTMENT CONSULTANTS

A/31,PRANIK GARDEN TOWER CHS.LTD.
MAHAVIR NAGAR,KANDIVALI(W).
MUMBAI-400067
TEL :022 28082361 M: 98205 39405

Multi - Plan Chart

Risk Cover Annual Tax Nett Returns New Loan Total Loan
Year Age Normal Accident Premium Saved Premium From L.I.C. Available Available

2041 51 2000000 2000000 0 0 0 110000 110000 1620000
2042 52 2000000 2000000 0 0 0 110000 110000 1620000
2043 53 2000000 2000000 0 0 0 110000 110000 1620000
2044 54 2000000 2000000 0 0 0 110000 110000 1620000
2045 55 2000000 2000000 0 0 0 110000 110000 1620000
2046 56 2000000 2000000 0 0 0 110000 110000 1620000
2047 57 2000000 2000000 0 0 0 110000 110000 1620000
2048 58 2000000 2000000 0 0 0 110000 110000 1620000
2049 59 2000000 2000000 0 0 0 110000 110000 1620000
2050 60 2000000 2000000 0 0 0 110000 110000 1620000
2051 61 2000000 2000000 0 0 0 110000 110000 1620000
2052 62 2000000 2000000 0 0 0 110000 110000 1620000
2053 63 2000000 2000000 0 0 0 110000 110000 1620000
2054 64 2000000 2000000 0 0 0 110000 110000 1620000
2055 65 2000000 2000000 0 0 0 110000 110000 1620000
2056 66 2000000 2000000 0 0 0 110000 110000 1620000
2057 67 2000000 2000000 0 0 0 110000 110000 1620000
2058 68 2000000 2000000 0 0 0 110000 110000 1620000
2059 69 2000000 2000000 0 0 0 110000 110000 1620000
2060 70 2000000 2000000 0 0 0 110000 110000 1620000
2061 71 2000000 2000000 0 0 0 110000 110000 1620000
2062 72 2000000 2000000 0 0 0 110000 110000 1620000
2063 73 2000000 2000000 0 0 0 110000 110000 1620000
2064 74 2000000 2000000 0 0 0 110000 110000 1620000
2065 75 2000000 2000000 0 0 0 110000 110000 1620000
2066 76 2000000 2000000 0 0 0 110000 110000 1620000
2067 77 2000000 2000000 0 0 0 110000 110000 1620000
2068 78 2000000 2000000 0 0 0 110000 110000 1620000
2069 79 2000000 2000000 0 0 0 110000 110000 1620000
2070 80 2000000 2000000 0 0 0 110000 110000 1620000
2071 81 2000000 2000000 0 0 0 110000 110000 1620000
2072 82 2000000 2000000 0 0 0 110000 110000 1620000
2073 83 2000000 2000000 0 0 0 110000 110000 1620000
2074 84 2000000 2000000 0 0 0 110000 110000 1620000
2075 85 2000000 2000000 0 0 0 110000 110000 1620000
2076 86 2000000 2000000 0 0 0 110000 110000 1620000
2077 87 2000000 2000000 0 0 0 110000 110000 1620000
2078 88 2000000 2000000 0 0 0 110000 110000 1620000

The above statement is based on certain assumptions which are
liable to change according to Government/Corporation's policies.
VIJAY DHRUV
INSURANCE AND INVESTMENT CONSULTANTS

A/31,PRANIK GARDEN TOWER CHS.LTD.
MAHAVIR NAGAR,KANDIVALI(W).
MUMBAI-400067
TEL :022 28082361 M: 98205 39405

Multi - Plan Chart

Risk Cover Annual Tax Nett Returns New Loan Total Loan
Year Age Normal Accident Premium Saved Premium From L.I.C. Available Available

2079 89 2000000 2000000 0 0 0 110000 110000 1620000
2080 90 2000000 2000000 0 0 0 110000 110000 1620000
2081 91 2000000 2000000 0 0 0 110000 110000 1620000
2082 92 2000000 2000000 0 0 0 110000 110000 1620000
2083 93 2000000 2000000 0 0 0 110000 110000 1620000
2084 94 2000000 2000000 0 0 0 110000 110000 1620000
2085 95 2000000 2000000 0 0 0 110000 110000 1620000
2086 96 2000000 2000000 0 0 0 110000 110000 1620000
2087 97 2000000 2000000 0 0 0 110000 110000 1620000
2088 98 2000000 2000000 0 0 0 110000 110000 1620000
2089 99 2000000 2000000 0 0 0 110000 110000 1620000
2090 100 2000000 2000000 0 0 0 2110000 1620000 1620000

Total : 2028155 509180 1518975 10612500

The above statement is based on certain assumptions which are
liable to change according to Government/Corporation's policies.
VIJAY DHRUV
INSURANCE AND INVESTMENT CONSULTANTS

A/31,PRANIK GARDEN TOWER CHS.LTD.
MAHAVIR NAGAR,KANDIVALI(W).
MUMBAI-400067
TEL :022 28082361 M: 98205 39405

Multi - Plan Chart

Summary of Proposed Insurance

Quotation No : Nida Chart Date : 11/11/2009

Name : Nida Chart required upto : 11/11/2090

Date of Birth : 18/06/1990 Age : 19 I. T. Slab : 30.60%

Maximum Risk Cover enjoyed (Normal) Rs. 3050000

Maximum Risk Cover enjoyed (Accidental) Rs. 4900000

Total Premium paid Rs. 2028155

Less : Tax saved on premium Rs. 509180

Nett Premium paid Rs 1518975

Proceeds from LIC by way of Maturity / Sur. Bens. Rs. 10612500
Tax Payable Rs.
0

Nett after tax Payable Rs. 10612500

Compounded Value of LIC proceeds @ 7.00 % by 2090 Rs. 10612500

Additional Gain through Loan re-cycling @ 10.50 % Rs. 0

Nett in hand as on 2090 Rs. 10612500

Yield on Investments 7.22 %

Assumptions
--> Premium payments will save tax.
--> Returns will not be Re-invested in Section 80 CCE schemes.
--> Gains on Returns Re-investments will not be taxed.
--> Gains on Loans Re-investments will not be taxed.

The above statement is based on certain assumptions which are
liable to change according to Government/Corporation's policies.