Income

Monthly
Salary ₹ 90,000.00
Tutoring ₹ 90,000.00
₹ 180,000.00

Year No. Age

1 25
2 26
3 27
4 28
5 29
6 30
7 31
8 32
9 33
10 34
11 35
12 36
13 37
14 38
15 39
16 40
17 41
18 42
19 43
20 44

Goals
1. Wants to buy a car by the age of 35
2. Wants to get married by the age of 35
3. Wants to buy a house by the age of 45

Costs
Car ₹ 2,500,000.00
Marriage ₹ 3,000,000.00
House ₹ 17,500,000.00

Amount Needed at 35 for Car and Marriage

Amount Needed at 45 for House

Premium Payments
Year No. Savings
1 ₹ 1,240,800.00
2 ₹ 1,345,560.00
3 ₹ 1,458,766.00
4 ₹ 1,581,080.00
5 ₹ 1,711,677.00
 6 ₹ 1,854,398.00
7 ₹ 2,008,531.00
8 ₹ 2,174,964.00
9 ₹ 2,354,652.00
10 ₹ 2,546,960.12
11 ₹ 3,487,022.39
12 ₹ 2,961,029.12
13 ₹ 3,203,519.12
14 ₹ 3,465,144.80
15 ₹ 3,745,578.99
16 ₹ 4,049,980.02
17 ₹ 4,378,245.15
18 ₹ 4,732,190.92
19 ₹ 5,113,762.57
20 ₹ 5,523,116.03

Amount Needed at 35
Returns from ICICI GIFT at 35
Excess Returns

Amount Needed at 45
Returns from ICICI GIFT at 45
Debt Fund Liquidation
Total Amount
Excess Returns

Policy Comparison

COMPANY NAME ICICI Prudential

Name of Plan Guaranteed Income for Tomorrow (GIFT)
UIN 105N182V03
Type of Plan Savings Life Insurance Plan
Premium Type Monthly, Half Yearly, or Yearly
Entry Age Min 3 Years
Max 50, 55
Sum Assured Min Sum of all Premiums
Max Maturity Value
Premium Min Rs. 6,000 pa
Max Unlimited
Policy Term 1, 5, 6, 7, 8, 10, 12
Pay Term 5-12 Years
Pay Mode Installments
BENEFITS
Guarantees
 10X Annualised Premium

Death

Maturity Benefit
Maturity

Survival|Vesting Survival
Riders Available No
Bonus Revisionary Bonus
Surrender Benefit After two year's premium payments
Policy Loan Upto 80% of Surrender Value
e
Yearly
₹ 1,080,000.00
₹ 810,000.00
₹ 1,890,000.00

Salary Tutoring
₹ 1,080,000.00 ₹ 810,000.00
₹ 1,166,400.00 ₹ 874,800.00
₹ 1,259,712.00 ₹ 944,784.00
₹ 1,360,489.00 ₹ 1,020,367.00
₹ 1,469,328.00 ₹ 1,101,996.00
₹ 1,586,874.00 ₹ 1,190,156.00
₹ 1,713,824.00 ₹ 1,285,368.00
₹ 1,850,930.00 ₹ 1,388,197.00
₹ 1,999,004.00 ₹ 1,499,253.00
₹ 2,158,924.00 ₹ 1,619,193.00
₹ 2,331,638.00 ₹ 1,748,728.00
₹ 2,518,169.00 ₹ 1,888,626.00
₹ 2,719,623.00 ₹ 2,039,716.00
₹ 2,937,193.00 ₹ 2,202,893.00
₹ 3,172,168.00 ₹ 2,379,124.00
₹ 3,425,941.00 ₹ 2,569,454.00
₹ 3,700,016.00 ₹ 2,775,010.00
₹ 3,996,017.00 ₹ 2,997,011.00
₹ 4,315,698.00 ₹ 3,236,772.00
₹ 4,660,954.00 ₹ 3,495,714.00

FV
₹ 5,918,409.19
₹ 2,686,271.54
₹ 73,557,891.33

₹ 8,604,680.73
₹ 73,557,891.33

Premium Payments
Premium ICICI Leftover
₹ 1,320,000.00 -₹ 79,200.00
₹ 1,320,000.00 ₹ 25,560.00
₹ 1,320,000.00 ₹ 138,766.00
₹ 1,320,000.00 ₹ 261,080.00
₹ 1,320,000.00 ₹ 391,677.00
 ₹ 1,800,000.00 ₹ 54,398.00
₹ 1,800,000.00 ₹ 208,531.00
₹ 1,800,000.00 ₹ 374,964.00
₹ 1,800,000.00 ₹ 554,652.00
₹ 1,800,000.00 ₹ 746,960.12
₹ 3,000,000.00 ₹ 487,022.39
₹ 3,000,000.00 -₹ 38,970.88
₹ 3,000,000.00 ₹ 203,519.12
₹ 3,000,000.00 ₹ 465,144.80
₹ 3,000,000.00 ₹ 745,578.99
₹ 0.00 ₹ 4,049,980.02
₹ 0.00 ₹ 4,378,245.15
₹ 0.00 ₹ 4,732,190.92
₹ 0.00 ₹ 5,113,762.57
₹ 0.00 ₹ 5,523,116.03

₹ 8,604,680.73
₹ 9,355,393.00
₹ 750,712.27

₹ 73,557,891.33
₹ 38,631,427.00
₹ 39,216,381.56
₹ 77,847,808.56
₹ 4,289,917.23

HDFC Life Edelweiss Tokio Life

Sampoorn Samridhi Plus Plan Premier Guaranteed Income Plan
101B013V03 147B003V04
Endowment Life Plan Savings Life Insurance Plan
Monthly, Quarterly, Half Yearly, or Yearly Monthly, Quarterly, Half Yearly, or Yearly
30 Days 5 Years
60 Years 65 Years
₹ 100,000.00 ₹ 500,000.00
No upper limit No upper limit
Rs. 1,000 pa Based on individual details
Unlimited Based on individual details
5 years short of Policy term 6 years short of Policy term
15-40 Years 10-40 Years
Installments Installments
BENEFITS
 Highest of:
1. 10 times the Annualized Premium
Higher of: 2. Any absolute amount assured to be paid on death
Sum Assured on death + Accrued Guaranteed
Additions + Accrued Reversionary Bonuses + Interim
Bonus (if any) + Terminal Bonus (if any), or

105% of total premiums paid

Minimum Rs. 5,00,000
Benefit payable under Endowment Option + Sum
Assured on Maturity, payable on survival to age of 100
years
Survival Survival
Yes Yes
5% pa of Sum Assured on Maturity for first 5 years 5% pa of Sum Assured on Maturity for first 5 years
After two year's premium payments After two year's premium payments
Available Available
 Expenses Savings
Monthly Yearly Monthly
Rent ₹ 18,000.00 ₹ 216,000.00 ₹ 127,500.00
General Expenses ₹ 10,000.00 ₹ 120,000.00
Misc. Expenses ₹ 8,000.00 ₹ 96,000.00
Infrequent Expenses ₹ 12,500.00 ₹ 150,000.00
Travelling Expenses ₹ 4,000.00 ₹ 48,000.00
₹ 52,500.00 ₹ 630,000.00

Expenses Rent Car Insurance Medical Savings

₹ 414,000.00 ₹ 216,000.00 ₹ 0.00 ₹ 19,200.00 ₹ 1,240,800.00
₹ 438,840.00 ₹ 237,600.00 ₹ 0.00 ₹ 19,200.00 ₹ 1,345,560.00
₹ 465,170.00 ₹ 261,360.00 ₹ 0.00 ₹ 19,200.00 ₹ 1,458,766.00
₹ 493,080.00 ₹ 287,496.00 ₹ 0.00 ₹ 19,200.00 ₹ 1,581,080.00
₹ 522,665.00 ₹ 316,246.00 ₹ 0.00 ₹ 20,736.00 ₹ 1,711,677.00
₹ 554,025.00 ₹ 347,871.00 ₹ 0.00 ₹ 20,736.00 ₹ 1,854,398.00
₹ 587,267.00 ₹ 382,658.00 ₹ 0.00 ₹ 20,736.00 ₹ 2,008,531.00
₹ 622,503.00 ₹ 420,924.00 ₹ 0.00 ₹ 20,736.00 ₹ 2,174,964.00
₹ 659,853.00 ₹ 463,016.00 ₹ 0.00 ₹ 20,736.00 ₹ 2,354,652.00
₹ 699,444.00 ₹ 509,318.00 ₹ 0.00 ₹ 22,394.88 ₹ 2,546,960.12
₹ 741,411.00 ₹ 560,250.00 ₹ 20,000.00 ₹ 22,394.88 ₹ 2,736,310.12
₹ 785,896.00 ₹ 616,275.00 ₹ 21,200.00 ₹ 22,394.88 ₹ 2,961,029.12
₹ 833,050.00 ₹ 677,903.00 ₹ 22,472.00 ₹ 22,394.88 ₹ 3,203,519.12
₹ 883,033.00 ₹ 745,693.00 ₹ 23,820.32 ₹ 22,394.88 ₹ 3,465,144.80
₹ 936,015.00 ₹ 820,262.00 ₹ 25,249.54 ₹ 24,186.47 ₹ 3,745,578.99
₹ 992,176.00 ₹ 902,288.00 ₹ 26,764.51 ₹ 24,186.47 ₹ 4,049,980.02
₹ 1,051,707.00 ₹ 992,517.00 ₹ 28,370.38 ₹ 24,186.47 ₹ 4,378,245.15
₹ 1,114,809.00 ₹ 1,091,769.00 ₹ 30,072.61 ₹ 24,186.47 ₹ 4,732,190.92
₹ 1,181,698.00 ₹ 1,200,946.00 ₹ 31,876.96 ₹ 24,186.47 ₹ 5,113,762.57
₹ 1,252,600.00 ₹ 1,321,041.00 ₹ 33,789.58 ₹ 26,121.39 ₹ 5,523,116.03

Debt Fund
Opening Closing Interest
₹ 120,800.00 ₹ 41,600.00 ₹ 10,388.80
₹ 51,988.80 ₹ 77,548.80 ₹ 4,471.04
₹ 82,019.84 ₹ 220,785.84 ₹ 7,053.71
₹ 227,839.54 ₹ 488,919.54 ₹ 19,594.20
₹ 508,513.74 ₹ 900,190.74 ₹ 43,732.18
 ₹ 943,922.93 ₹ 998,320.93 ₹ 81,177.37
₹ 1,079,498.30 ₹ 1,288,029.30 ₹ 92,836.85
₹ 1,380,866.15 ₹ 1,755,830.15 ₹ 118,754.49
₹ 1,874,584.64 ₹ 2,429,236.64 ₹ 161,214.28
₹ 2,590,450.92 ₹ 3,337,411.04 ₹ 222,778.78
₹ 3,560,189.82 ₹ 4,047,212.21 ₹ 306,176.32
₹ 4,314,417.65 ₹ 4,314,417.65 ₹ 371,039.92
₹ 4,685,457.57 ₹ 4,888,976.69 ₹ 402,949.35
₹ 5,291,926.04 ₹ 5,757,070.84 ₹ 455,105.64
₹ 6,212,176.48 ₹ 6,957,755.47 ₹ 534,247.18
₹ 7,492,002.65 ₹ 11,541,982.66 ₹ 644,312.23
₹ 12,186,294.89 ₹ 16,564,540.04 ₹ 1,048,021.36
₹ 17,612,561.40 ₹ 22,344,752.32 ₹ 1,514,680.28
₹ 23,859,432.60 ₹ 28,973,195.17 ₹ 2,051,911.20
₹ 31,025,106.38 ₹ 36,548,222.41 ₹ 2,668,159.15
Savings Savings before turning 25
Yearly ₹ 200,000.00
₹ 1,260,000.00