Financial Plan for Mrs.

Nita Ambani

Prepared by: Buddy Group - 9, TYBBA - C

Group Members:
Roll No. Name
C07 Anurag Rander
C20 Ishank Jain
C24 Karan Surana
C31 Mansi Vaid
C50 Shubh Bheda
C58 Viraj Diwane

Case:
My friend has just won the lottery of Rs. 50 lakhs, she is 30 years old and plans to retire at the age of 35.
etire at the age of 35.

Nita Ambani
30 years old
Teacher
Wishes to Retire at 35
Life Expectancy 70
Has recently won a lottery
Yearly Income of Rs. 500,000
Family Members
Mukesh Ambani
Nita's Husband
33 years old
Retirement age 60
Life Expectancy 65 years
Petrol Pump Manager
Yearly Income Rs. 700,000
mily Members
Isha Ambani
Daughter of Nita and Mukesh
5 years old
Her parents want to financially plan her future
Assumptions:
The average inflation rate is taken at 6%
The inflation rate for the education sector is taken as 10%
The client is retiring at the age of 35 and the husband is retiring at the age of 60
The life expectancy for the client has been taken at 70 years old and for her husband its taken at 65 years old
The weighted rate of return based on your risk profile and the investments made is 24.72% p.a., which has been considered
All the expenses are borne by Nita.
The wife will pay for the downpayment on the car and even the monthly EMIs
All expenses are planned after the wife retires
The rate of return and the standard deviation of portfolio are taken on the basis of historical data
The wife has prior savings of Rs. 4 lakhs at the age of 30
 Source: https://www.numbeo.com/cost-of-living/city-estimator/

Monthly expenditure:
Restaurants ₹ 2,500
Entertainment (Cinemas) ₹ 1,200
Groceries ₹ 7,000
Car Fuel ₹ 12,000
Basic utilities (electricity, water) ₹ 2,500
Mobile tarrif expenses ₹ 300
Clothing/Personal ₹ 1,200
Household supplies ₹ 2,900
Misc Personal Expenses ₹ 4,000
Total Monthly Expenditure ₹ 33,600.00
Monthly Expenditure paid for by the client ₹ 16,800.00 [50% of total monthly expenses paid by
Yearly expenditure for the client ₹ 201,600.00
Inflation 6%
Inflation adjusted expenses for the client ₹ 269,786.28
Real Rate of return 4.76%

Current age 30
Retirement age 35
Life Expectancy 70
Post Retirement Period 35

Corpus required for Household expenses till death at age 35 ₹ 4,553,261.10

t-of-living/city-estimator/in/Bhopal

monthly expenses paid by wife]

 Medical Family Floater
Policy Provider Policy Name Cover Annual Premium
Reliance General Arogya Sanjeevani 500,000 ₹ 6,264.00
Niva Bupa Health ReAssure 500,000 ₹ 12,739.00
Aditya Birla Activ Assure Diamond 500,000 ₹ 21,250.00

Term Life Insurance

Policy Provider Policy Name Cover Annual Premium
Max Life Insurance Smart Secure Plus Plan 10,000,000 ₹ 12,525

Total Premium Payable till age 60 ₹ 375,750

Medical Insurance Payable ₹ 382,170.00

Total Premium Payable after Retirement ₹ 313,125

Total Medical Premium after Retirement ₹ 318,475.00
Medical Family Floater
Claim Settlement Ratio Remarks
100% daily room rent capped at a lower amount; no-claim bonus capped at 5%, maximum 50%
96% no-claim bonus of 50%, maximum 100%, premium discount for two year policy
94% no-claim bonus of 50%, maximum 100%, premium discount for two year policy

Term Life Insurance

Claim Settlement Ratio Remarks
99.35% Payable for next 30 years, till Nita turns 60 and covers till age 70
maximum 50%
olicy
olicy

Source: https://www.maxlifeinsurance.com/term-insurance-plans/premium-calculator?stage=quote&
age 70
mium-calculator?stage=quote&utm_s=brand&utmCode=1311271&gclid=CjwKCAjw_tWRBhAwEiwALxFPoa2aqCPmfkdK7wfyl0XJZlufohrZY-
qCPmfkdK7wfyl0XJZlufohrZY-9FF7YJYdDsON1Wd8a6B7ZdbxoCrKAQAvD_BwE
 Manufacturer
Mahindra
Tata Motors
Hyundai

* Loan tenure of 5 years with 7% interest rate and down payment of 20% of on-road price

Downpayment
Monthly EMI
Annual Payment
Total Payment

Source: https://www.cardekho.com/hyundai/alcazar/price-in-bhopal
Source: https://www.bankbazaar.com/car-loan/emi-calculator.html
 Comparison of Affordable Hatchbacks
Car Model On Road Price Monthly EMI* Safety Ranking
Thar AX Opt 4 Convert Top ₹ 1,540,000.00 ₹ 24,395.00 2
Harrier XMA AT ₹ 2,039,000.00 ₹ 32,300.00 1
Alcazar Prestige Diesel ₹ 1,964,000.00 ₹ 31,112.00 3

down payment of 20% of on-road price

₹ 407,800.00
₹ 32,300.00
₹ 387,600.00
₹ 2,345,800.00

www.cardekho.com/hyundai/alcazar/price-in-bhopal
www.bankbazaar.com/car-loan/emi-calculator.html
 Travelin

Age when she won the lottery 30

She plans to take trips every 3 years after she retires till she is 60

Age when she will take the trip

Location of the trip

Travelling cost (inflated every year at CPI rate) via Train per person one way 6%
Total travelling cost for 3 people including inflation taken into account ever 3 years

Hotel cost per night for a 3 star hotel 6%

Average cost of hotel per night Inflated and for 5 days

Total Travelling + Hotel cost

Misc. Expenses (40% of Total traveling and hotel cost) 40%

Total Cost of the entire trip

No of Days

PV of total cost of the trip at age 35

Total PV sum required at the age of 35

 Traveling cost every year

Their Daughter will accompany them

36 39 42

Kashmir Ran of Kutch Kerela

₹ 2,400 ₹ 1,200 ₹ 2,400

₹ 20,427 ₹ 12,164 ₹ 28,976

₹ 3,500 ₹ 3,500 ₹ 3,500

₹ 24,824 ₹ 29,566 ₹ 35,213

₹ 45,251 ₹ 41,730 ₹ 64,189

₹ 18,100 ₹ 16,692 ₹ 25,676

₹ 63,351 ₹ 58,422 ₹ 89,865

5 5 5

₹ 57,048.36 ₹ 38,418.01 ₹ 43,153.29

₹ 256,721.30
 Just the couple will travel alone

45 48 51

Puducherry Mumbai Goa

₹ 2,400 ₹ 1,200 ₹ 2,000

₹ 34,510 ₹ 13,701 ₹ 27,197

₹ 3,500 ₹ 2,750 ₹ 2,750

₹ 41,940 ₹ 39,247 ₹ 46,744

₹ 76,450 ₹ 52,948 ₹ 73,941

₹ 30,580 ₹ 21,179 ₹ 29,576

₹ 107,030 ₹ 74,127 ₹ 103,517

5 5 5

₹ 37,531.79 ₹ 18,981.82 ₹ 19,357.02

Just the couple will travel alone

54 57 60

Rishikesh Delhi & Agra Jaipur

₹ 2,400 ₹ 1,500 ₹ 1,200

₹ 38,870 ₹ 28,934 ₹ 27,569

₹ 2,750 ₹ 2,750 ₹ 2,750

₹ 55,673 ₹ 66,307 ₹ 78,973

₹ 94,543 ₹ 95,241 ₹ 106,542

₹ 37,817 ₹ 38,097 ₹ 42,617

₹ 132,360 ₹ 133,338 ₹ 149,158

5 5 5

₹ 18,073.89 ₹ 13,295.88 ₹ 10,861.24

School education:
Current age
No. of years of schooling left

School chosen:

From 1st std to 5th std, Isha received free schooling as Nita was a teacher in that school.

College expenses:
College fees in govt. universities
Total college fees

Living costs for 3 years of college, taken as 15000 p.m.

Living Cost pa
Total living cost

Education expenses:
School fees:
Current class (year)
Inflation rate
Year
6
7
8
9
10
11
12

College expenses:
Year
13
14
15

Total Inflated Education Cost for Isha Ambani

Living costs:
PG cost per year
Year
13
14
15
Total inflated living costs

Total cost (education + living expense)

PV of Total Education Cost

 Mid-range fee schools in Vadodra:
5 Kendriya Vidyalaya School 17850
13 Holy Cross Coed School 31932
Eastern Public School 49000
St. Marys Convent School 54000
St. Theresa's Girl's School The Sanskar Valley School 37000
St. Theresa's Girl's School 25000

average fees in mid-range schools in Bhopal 35797

18000
54000

180000
540000

1
10%
Current Fees Inflated fees PV fees
25000 40262.8 ₹ 36,257.07
25000 44289.0 ₹ 35,914.90
25000 48717.9 ₹ 35,575.96
28000 60020.5 ₹ 39,469.04
28000 66022.5 ₹ 39,096.56
31000 80406.0 ₹ 42,876.97
31000 88446.6 ₹ 42,472.33
193000 ₹ 428,165.36 ₹ 271,662.81

Current fees Inflated fees PV Fees

18000 56491.71 ₹ 24,428.61
18000 62140.88 ₹ 24,198.07
18000 68354.97 ₹ 23,969.70
54000 ₹ 186,987.56 ₹ 72,596.39

₹ 615,152.92

180000
Cost per year Inflated cost PV Fees
180000 362,195.36 ₹ 156,623.51
180000 383,927.09 ₹ 149,503.75
180000 406,962.71 ₹ 142,707.63
₹ 1,153,085.16 ₹ 448,834.90

₹ 1,768,238.09

₹ 793,094.10
https://www.schoolmykids.com/school/st-theresa-girls-school-piplani-bhel-bhopal-madhya-pradesh-india-s10017371
pradesh-india-s10017371
Wedding Expenses

Age at which Isha will get married 26

2 day events - Sangeet and Wedding
No. of guests 400

Option1: Hotel Ranjit Lakeview - 4 Star Hotel

Per Plate Rate ₹ 1,100
Total one day event costing ₹ 440,000
Wedding + Sangeet ₹ 880,000

Option2: Sayaji Banquets - Mid Range Party Plot

Per Plate Rate ₹ 950
Total one day event costing ₹ 380,000
Wedding + Sangeet ₹ 760,000

Decoration Expenses ₹ 500,000

Wedding Outfits ₹ 120,000

Wedding Jewelry
Shaadi Set ₹ 250,000
Sangeet Set ₹ 250,000
Wedding Ring ₹ 50,000
Total Jewellery Cost ₹ 550,000

Wedding Miscellaneous expenses ₹ 70,000

Total Wedding Expenses (current) ₹ 2,000,000

Total Inflation Rate 6%

Inflated Wedding Expenses ₹ 5,080,703.37

PV of Wedding Expenses ₹ 950,062.07

Source: https://boutiqueeventsgroup.com.au/how-much-does-a-middle-c
m.au/how-much-does-a-middle-class-indian-wedding-cost/
 At age 50 At age 35
Property Type Description Cost Inflated Cost PV of House
Bungalow 3bhk, 1100 sqft ₹ 4,390,000.00 ₹ 10,520,890.47 ₹ 2,184,697.85
Residential Flat 3bhk, 2500 sqft ₹ 2,849,000.00 ₹ 6,827,794.29 ₹ 1,417,814.16

Source: https://www.magicbricks.com/villa-for-sale-in-bhopal-pppfs
Source: https://www.99acres.com/flats-in-bhopal-ffid
Lottery Amount 5000000
Tax 1560000
Lottery amount after tax ₹ 3,440,000.00
Less: Down Payment for Car ₹ -407,800.00
Amount available for investing ₹ 3,032,200.00

SIP Returns 1 year

BOI AXA Tax Advantage Fund (ELSS SIP) 9.70%
Kotak Debt Hybrid (SIP) 10.29%
Aditya Birla Sun Life Money Manager Fund (91 days liquid fund) 4.03%
Mahindra Finance Fixed Deposit (3 years) 5.70%

Investment NAV (as on 17/2)

BOI AXA Tax Advantage Fund (ELSS SIP) ₹ 107.54
Kotak Debt Hybrid (SIP) ₹ 47.34
Aditya Birla Sun Life Money Manager Fund (91 days liquid fund) ₹ 297.34
Mahindra Finance Fixed Deposit (3 years) -
* Annualised historic 3 year returns

Correlation BOI AXA ELSS Kotak Debt Hybrid

BOI AXA ELSS 1.00 0.99
Kotak Debt Hybrid Fund 0.99 1.00
Aditya Birla Liquid Fund 0.21 0.09
Mahindra FD 0.70 0.60

Covariance BOI AXA ELSS Kotak Debt Hybrid

BOI AXA ELSS 4.068289 1.21681806284374
Kotak Debt Hybrid Fund 1.21681806284374 0.369664
Aditya Birla Liquid Fund 0.326196468528939 0.0411618308399059

Bordered Covariance Matrix BOI AXA ELSS

Weights 0.8
0.800 BOI AXA ELSS 2.60370496
0.100 Kotak Debt Hybrid Fund 0.0973454450274993
0.100 Aditya Birla Liquid Fund 0.0260957174823151
1.000 2.72714612250981

Reassigned Weights (incl.

FD) Amount Invested Total
BOI AXA ELSS 0.774 ₹ 2,345,760.00
Kotak Debt Hybrid Fund 0.097 ₹ 293,220.00
Aditya Birla Liquid Fund 0.097 ₹ 293,220.00
Mahindra Finance FD 0.033 ₹ 100,000.00
1.00 ₹ 3,032,200.00

Portfolio Variance 2.86

Portfolio SD 1.6915
Portfolio Return 24.84%
Real RoR 17.69%

FV of investments at 35 ₹ 9,196,146.27

Post-retirement Phase

Bordered Covariance Matrix Kotak Debt Hybrid

Weights 0.6
0.600 Kotak Debt Hybrid Fund 0.13307904
0.400 Aditya Birla Liquid Fund 0.00987883940157741
1.000 0.142957879401577

Portfolio Variance 0.247700718803155

Portfolio standard deviation 0.49770

Weighted Rate of Return Weights RoR

Kotak Debt Hybrid Fund 0.6 14.34%
Aditya Birla Liquid Fund 0.4 6.11%
(31.2% u/s 194B)
Source: https://www.incometaxindia.gov.in/pages/tools/tax-calcu

2 year 3 year 5 year

34.05% 31.25% 22.20%
15.32% 14.58% 12.27%
4.36% 5.09% 6.08%
6.20% 6.30% 6.45%

RoR* Beta Std. Dev

29.29% 0.86 2.017 16.58%
14.34% 1.3 0.608
6.11% 1.45 0.77
6.30% - 0

Aditya Birla Liquid Fund

0.21
0.09
1.00
0.84

Aditya Birla Liquid Fund

0.326196468528939
0.0411618308399058
0.5929

Kotak Debt Hybrid Aditya Birla Liquid Fund

0.1
0.0973454450274993
0.00369664
0.000411618308399059
0.101453703335898
0.1
0.0260957174823151
0.000411618308399059
0.005929
0.0324363357907142
Aditya Birla Liquid Fund
0.4
0.0098788394015774
0.094864
0.104742839401577

WxR
8.60%
2.44%
11.05% Real RoR (inflation adjusted) 6.95%
in/pages/tools/tax-calculator.aspx
Corpus Required at Age 35 for Nita:

Medical Insurance Premium ₹ 318,475

Term Insurance Premium ₹ 313,125
Child Education Expenses ₹ 793,094
Family Vacation Costs ₹ 256,721
House Purchase ₹ 2,184,698
Household Expenses ₹ 4,553,261
Total Expenses (PV at age of 35) ₹ 8,419,374.35

Total Corpus Accumulated ₹ 9,196,146.27

Excess/ (Shortfall) ₹ 776,771.92

₹ 4,553,261

Medical Insurance Pre

Family Vacation Costs
 Corpus Requirement
₹ 318,475
₹ 313,125

₹ 793,094
₹ 256,721

₹ 4,553,261

₹ 2,184,698

Medical Insurance Premium Term Insurance Premium Child Education Expenses

Family Vacation Costs House Purchase Household Expenses
Cash Flow till Retirement

Current age 30
Living expenses
Year Age Total Income Car EMI
(Variable)

2022 31 ₹ 500,000.00 ₹ 201,600.00 ₹ 387,600.00

2023 32 ₹ 530,000.00 ₹ 213,696.00 ₹ 387,600.00
2024 33 ₹ 561,800.00 ₹ 226,517.76 ₹ 387,600.00
2025 34 ₹ 595,508.00 ₹ 240,108.83 ₹ 387,600.00
2026 35 ₹ 631,238.48 ₹ 254,515.36 ₹ 387,600.00

Cash Flow post Retirement

Child education
Year Age Income Living Expenses
expenses

2027 36 ₹ 269,786.28 ₹ 36,257.07

2028 37 ₹ 285,973.45 ₹ 35,914.90
2029 38 ₹ 303,131.86 ₹ 35,575.96
2030 39 ₹ 321,319.77 ₹ 39,469.04
2031 40 ₹ 340,598.96 ₹ 39,096.56
2032 41 ₹ 361,034.90 ₹ 42,876.97
2033 42 ₹ 382,696.99 ₹ 42,472.33
2034 43 ₹ 405,658.81 ₹ 181,052.12
2035 44 ₹ 429,998.34 ₹ 173,701.82
2036 45 ₹ 455,798.24 ₹ 166,677.34
2037 46 ₹ 483,146.13
2038 47 ₹ 512,134.90
2039 48 ₹ 542,862.99
2040 49 ₹ 575,434.77
2041 50 ₹ 609,960.86
2042 51 ₹ 646,558.51
2043 52 ₹ 685,352.02
2044 53 ₹ 726,473.14
2045 54 ₹ 770,061.53
2046 55 ₹ 816,265.22
2047 56 ₹ 865,241.14
2048 57 ₹ 917,155.61
2049 58 ₹ 972,184.94
2050 59 ₹ 1,030,516.04
2051 60 ₹ 1,092,347.00
2052 61 ₹ 1,157,887.82
2053 62 ₹ 1,227,361.09
2054 63 ₹ 1,301,002.76
2055 64 ₹ 1,379,062.92
2056 65 ₹ 1,461,806.70
2057 66 ₹ 1,549,515.10
2058 67 ₹ 1,642,486.00
2059 68 ₹ 1,741,035.16
2060 69 ₹ 1,845,497.27
2061 70 ₹ 1,956,227.11
 Medical Lumpsum Lumpsum
Term Insurance Surplus/(Deficit) Balance
Insurance Outflow Inflow
Prev Savings : ₹ 400,000
12525 ₹ 12,739.00 ₹ 614,464.00 ₹ 500,000.00 ₹ -114,464.00 ₹ 285,536.00
12525 ₹ 12,739.00 ₹ 626,560.00 ₹ 530,000.00 ₹ -96,560.00 ₹ 188,976.00
12525 ₹ 12,739.00 ₹ 639,381.76 ₹ 561,800.00 ₹ -77,581.76 ₹ 111,394.24
12525 ₹ 12,739.00 ₹ 652,972.83 ₹ 595,508.00 ₹ -57,464.83 ₹ 53,929.41
12525 ₹ 12,739.00 ₹ 667,379.36 ₹ 631,238.48 ₹ -36,140.88 ₹ 17,788.54

Medical Child Wedding Return on

Vacation Costs House Purchase Life Insurance
Insurance Expenses Invested Amount

₹ 63,351.06 ₹ 12,525.00 ₹ 12,739.00 ₹ 1,015,990.24

₹ 12,525.00 ₹ 12,739.00 ₹ 1,084,634.98
₹ 12,525.00 ₹ 12,739.00 ₹ 1,166,112.06
₹ 58,422.18 ₹ 12,525.00 ₹ 12,739.00 ₹ 1,254,732.52
₹ 12,525.00 ₹ 12,739.00 ₹ 1,344,249.77
₹ 12,525.00 ₹ 12,739.00 ₹ 1,448,022.55
₹ 89,864.69 ₹ 12,525.00 ₹ 12,739.00 ₹ 1,560,584.74
₹ 12,525.00 ₹ 12,739.00 ₹ 1,673,306.01
₹ 12,525.00 ₹ 12,739.00 ₹ 1,790,561.87
₹ 107,030.29 ₹ 12,525.00 ₹ 12,739.00 ₹ 1,918,895.19
₹ 12,525.00 ₹ 12,739.00 ₹ 2,047,507.75
₹ 12,525.00 ₹ 12,739.00 ₹ 2,217,547.26
₹ 74,127.19 ₹ 12,525.00 ₹ 12,739.00 ₹ 2,403,170.05
₹ 12,525.00 ₹ 12,739.00 ₹ 2,597,716.03
₹ 10,520,890.47 ₹ 12,525.00 ₹ 12,739.00 ₹ 2,818,346.50
₹ 103,516.71 ₹ 12,525.00 ₹ 12,739.00 ₹ 5,080,703.37 ₹ 1,897,189.80
₹ 12,525.00 ₹ 12,739.00 ₹ 1,459,815.74
₹ 12,525.00 ₹ 12,739.00 ₹ 1,542,587.33
₹ 132,359.67 ₹ 12,525.00 ₹ 12,739.00 ₹ 1,629,960.46
₹ 12,525.00 ₹ 12,739.00 ₹ 1,707,547.83
₹ 12,525.00 ₹ 12,739.00 ₹ 1,803,225.56
₹ 133,337.87 ₹ 12,525.00 ₹ 12,739.00 ₹ 1,904,062.91
₹ 12,525.00 ₹ 12,739.00 ₹ 1,995,574.10
₹ 12,525.00 ₹ 12,739.00 ₹ 2,105,846.97
₹ 149,158.47 ₹ 12,525.00 ₹ 12,739.00 ₹ 2,221,858.36
₹ 2,327,376.58
₹ 2,456,581.70
₹ 2,592,385.99
₹ 2,735,058.01
₹ 2,884,868.35
₹ 3,042,088.20
₹ 3,206,987.68
₹ 3,379,833.82
₹ 3,560,888.30
₹ 3,750,404.70
Lumpsum Outflow Lumpsum Inflow Surplus/(Deficit) Balance

₹ 9,196,146.27
₹ 394,658.41 ₹ 1,015,990.24 ₹ 621,332 ₹ 9,817,478.10
₹ 347,152.35 ₹ 1,084,634.98 ₹ 737,483 ₹ 10,554,960.73
₹ 363,971.82 ₹ 1,166,112.06 ₹ 802,140 ₹ 11,357,100.97
₹ 444,474.99 ₹ 1,254,732.52 ₹ 810,258 ₹ 12,167,358.49
₹ 404,959.51 ₹ 1,344,249.77 ₹ 939,290 ₹ 13,106,648.75
₹ 429,175.87 ₹ 1,448,022.55 ₹ 1,018,847 ₹ 14,125,495.44
₹ 540,298.01 ₹ 1,560,584.74 ₹ 1,020,287 ₹ 15,145,782.16
₹ 611,974.93 ₹ 1,673,306.01 ₹ 1,061,331 ₹ 16,207,113.24
₹ 628,964.16 ₹ 1,790,561.87 ₹ 1,161,598 ₹ 17,368,710.96
₹ 754,769.87 ₹ 1,918,895.19 ₹ 1,164,125 ₹ 18,532,836.28
₹ 508,410.13 ₹ 2,047,507.75 ₹ 1,539,098 ₹ 20,071,933.90
₹ 537,398.90 ₹ 2,217,547.26 ₹ 1,680,148 ₹ 21,752,082.25
₹ 642,254.18 ₹ 2,403,170.05 ₹ 1,760,916 ₹ 23,512,998.12
₹ 600,698.77 ₹ 2,597,716.03 ₹ 1,997,017 ₹ 25,510,015.38
₹ 11,156,115.33 ₹ 2,818,346.50 ₹ -8,337,769 ₹ 17,172,246.55
₹ 5,856,042.59 ₹ 1,897,189.80 ₹ -3,958,853 ₹ 13,213,393.76
₹ 710,616.02 ₹ 1,459,815.74 ₹ 749,200 ₹ 13,962,593.48
₹ 751,737.14 ₹ 1,542,587.33 ₹ 790,850 ₹ 14,753,443.66
₹ 927,685.21 ₹ 1,629,960.46 ₹ 702,275 ₹ 15,455,718.91
₹ 841,529.22 ₹ 1,707,547.83 ₹ 866,019 ₹ 16,321,737.52
₹ 890,505.14 ₹ 1,803,225.56 ₹ 912,720 ₹ 17,234,457.94
₹ 1,075,757.47 ₹ 1,904,062.91 ₹ 828,305 ₹ 18,062,763.38
₹ 997,448.94 ₹ 1,995,574.10 ₹ 998,125 ₹ 19,060,888.54
₹ 1,055,780.04 ₹ 2,105,846.97 ₹ 1,050,067 ₹ 20,110,955.47
₹ 1,266,769.47 ₹ 2,221,858.36 ₹ 955,089 ₹ 21,066,044.36
₹ 1,157,887.82 ₹ 2,327,376.58 ₹ 1,169,489 ₹ 22,235,533.12
₹ 1,227,361.09 ₹ 2,456,581.70 ₹ 1,229,221 ₹ 23,464,753.73
₹ 1,301,002.76 ₹ 2,592,385.99 ₹ 1,291,383 ₹ 24,756,136.97
₹ 1,379,062.92 ₹ 2,735,058.01 ₹ 1,355,995 ₹ 26,112,132.06
₹ 1,461,806.70 ₹ 2,884,868.35 ₹ 1,423,062 ₹ 27,535,193.71
₹ 1,549,515.10 ₹ 3,042,088.20 ₹ 1,492,573 ₹ 29,027,766.81
₹ 1,642,486.00 ₹ 3,206,987.68 ₹ 1,564,502 ₹ 30,592,268.49
₹ 1,741,035.16 ₹ 3,379,833.82 ₹ 1,638,799 ₹ 32,231,067.15
₹ 1,845,497.27 ₹ 3,560,888.30 ₹ 1,715,391 ₹ 33,946,458.17
₹ 1,956,227.11 ₹ 3,750,404.70 ₹ 1,794,178 ₹ 35,740,635.76