LIC Jeevan Vriddhi Return Calculator - Analysis in Excel Sheet

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LIC Jeevan Vriddhi Plan launched 01/03/2012, - Return Calculation & Analysis Sheet for Investors.

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LIC Jeevan Vriddhi - Return AnalysisPremium Amount Rs. Enter : => Enter :=> 30000 Service Tax 1.500% 450 Total Premium Sum Assured is 5 times of Premium Amount

01/03/2012

Created by : Satish G. Mistry Associate Financial Planner

Caculate & decide yourself, whether you wants to go with or not?For illustration purpose only No Loyalty Addition* 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Return Yield 6.94% 6.92% 6.91% 6.89% 6.87% 6.85% 6.84% 6.82% 6.81% 6.80% 6.79% 6.78% 6.78% 6.77% 6.77% 6.76% 6.76% 6.75% 6.75% 6.74% 6.73% 6.72% 6.70% Age @Start Term (Yrs.) Age @Maturity Premium Amt. With Service Tax Sum Assured

Email : [email protected]

30450

150000 Select : => Premium Amt. With Service Tax 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 Sum Assured 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 Guaranteed Maturity Value 59538 59463 59375 59267 59163 59067 58991 58922 58857 58800 58749 58704 58665 58632 58604 58580 58556 58529 58497 58457 58406 58337 58248

Datasource : www.licindia.com Age @Start Term (Yrs.) 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 Age @Maturity 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

Select : => Guaranteed Maturity Value

No Loyalty Addition* Return Yield

31 10 41 30450 150000 58131 0 6.68% 32 10 42 30450 150000 57984 0 6.65% 33 10 43 30450 150000 57810 0 6.62% 34 10 44 30450 150000 57612 0 6.58% 35 10 45 30450 150000 57386 0 6.54% 36 10 46 30450 150000 57129 0 6.49% 37 10 47 30450 150000 56838 0 6.44% 38 10 48 30450 150000 56510 0 6.38% 39 10 49 30450 150000 56136 0 6.31% 40 10 50 30450 150000 55713 0 6.23% 41 10 51 30450 150000 55244 0 6.14% 42 10 52 30450 150000 54719 0 6.04% 43 10 53 30450 150000 54117 0 5.92% 44 10 54 30450 150000 53432 0 5.78% 45 10 55 30450 150000 52659 0 5.63% 46 10 56 30450 150000 51797 0 5.46% 47 10 57 30450 150000 50843 0 5.26% 48 10 58 30450 150000 49799 0 5.04% 49 10 59 30450 150000 48678 0 4.80% 50 10 60 30450 150000 47468 0 4.54% Loyalty Addition : Assumption is => 1 more proportionate bonus for total bonus of 10 years. Age Term Principal Maturity Value Bonus Part for 10 Yr. For 1 Yr. 35 10 30450 57386 26936 2694

Disclaimer :This sheet is for illustration & return analysis purpose only. Not for sale this such products. I am not a insurance agent. So, take your decision independantly or in consultation with your financial advisor. If there is any discrepancy in the sheet, please let me know : [email protected]

LIC Jeevan Vriddhi - Return AnalysisPremium Amount Rs. Enter : => Enter :=> 30000 Service Tax 1.500% 450 Total Premium Sum Assured is 5 times of Premium Amount

01/03/2012

Created by : Satish G. Mistry Associate Financial Planner

Caculate & decide yourself, whether you wants to go with or not?For illustration purpose only Yes Loyalty Addition* 2909 2901 2892 2882 2871 2862 2854 2847 2841 2835 2830 2825 2822 2818 2815 2813 2811 2808 2805 2801 2796 2789 2780 Return Yield 7.45% 7.43% 7.42% 7.40% 7.38% 7.36% 7.34% 7.33% 7.32% 7.31% 7.30% 7.29% 7.28% 7.27% 7.27% 7.26% 7.26% 7.25% 7.25% 7.24% 7.23% 7.22% 7.20% Age @Start Term (Yrs.) Age @Maturity Premium Amt. With Service Tax Sum Assured

Email : [email protected]

30450

150000 Select : => Premium Amt. With Service Tax 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 30450 Sum Assured 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 Guaranteed Maturity Value 59538 59463 59375 59267 59163 59067 58991 58922 58857 58800 58749 58704 58665 58632 58604 58580 58556 58529 58497 58457 58406 58337 58248

Datasource : www.licindia.com Age @Start Term (Yrs.) 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 Age @Maturity 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

Select : => Guaranteed Maturity Value

Yes Loyalty Addition* Return Yield

31 10 41 30450 150000 58131 2768 7.18% 32 10 42 30450 150000 57984 2753 7.15% 33 10 43 30450 150000 57810 2736 7.11% 34 10 44 30450 150000 57612 2716 7.08% 35 10 45 30450 150000 57386 2694 7.03% 36 10 46 30450 150000 57129 2668 6.98% 37 10 47 30450 150000 56838 2639 6.92% 38 10 48 30450 150000 56510 2606 6.86% 39 10 49 30450 150000 56136 2569 6.78% 40 10 50 30450 150000 55713 2526 6.70% 41 10 51 30450 150000 55244 2479 6.60% 42 10 52 30450 150000 54719 2427 6.50% 43 10 53 30450 150000 54117 2367 6.37% 44 10 54 30450 150000 53432 2298 6.23% 45 10 55 30450 150000 52659 2221 6.07% 46 10 56 30450 150000 51797 2135 5.88% 47 10 57 30450 150000 50843 2039 5.67% 48 10 58 30450 150000 49799 1935 5.44% 49 10 59 30450 150000 48678 1823 5.19% 50 10 60 30450 150000 47468 1702 4.91% Loyalty Addition : Assumption is => 1 more proportionate bonus for total bonus of 10 years. Age Term Principal Maturity Value Bonus Part for 10 Yr. For 1 Yr. 35 10 30450 57386 26936 2694

Disclaimer :This sheet is for illustration & return analysis purpose only. Not for sale this such products. I am not a insurance agent. So, take your decision independantly or in consultation with your financial advisor. If there is any discrepancy in the sheet, please let me know : [email protected]

LIC Jeevan Vriddhi - Return AnalysisPremium Amount Rs. Enter : => Enter :=> 50000 Service Tax 1.500% 750 Total Premium Sum Assured is 5 times of Premium Amount

01/03/2012

Created by : Satish G. Mistry Associate Financial Planner

Caculate & decide yourself, whether you wants to go with or not?For illustration purpose only No Loyalty Addition* 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Return Yield 7.07% 7.05% 7.04% 7.02% 7.00% 6.98% 6.97% 6.96% 6.95% 6.93% 6.93% 6.92% 6.91% 6.90% 6.90% 6.89% 6.89% 6.89% 6.88% 6.87% 6.86% 6.85% 6.83% Age @Start Term (Yrs.) Age @Maturity Premium Amt. With Service Tax Sum Assured

Email : [email protected]

50750

250000 Select : => Premium Amt. With Service Tax 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 Sum Assured 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 Guaranteed Maturity Value 100470 100344 100194 100012 99838 99676 99546 99430 99321 99225 99139 99063 98997 98942 98893 98853 98812 98767 98714 98645 98559 98443 98294

Datasource : www.licindia.com Age @Start Term (Yrs.) 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 Age @Maturity 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

Select : => Guaranteed Maturity Value

No Loyalty Addition* Return Yield

31 10 41 50750 250000 98096 0 6.81% 32 10 42 50750 250000 97848 0 6.79% 33 10 43 50750 250000 97554 0 6.75% 34 10 44 50750 250000 97220 0 6.72% 35 10 45 50750 250000 96838 0 6.67% 36 10 46 50750 250000 96405 0 6.63% 37 10 47 50750 250000 95914 0 6.57% 38 10 48 50750 250000 95360 0 6.51% 39 10 49 50750 250000 94730 0 6.44% 40 10 50 50750 250000 94016 0 6.36% 41 10 51 50750 250000 93223 0 6.27% 42 10 52 50750 250000 92337 0 6.17% 43 10 53 50750 250000 91322 0 6.05% 44 10 54 50750 250000 90166 0 5.92% 45 10 55 50750 250000 88862 0 5.76% 46 10 56 50750 250000 87407 0 5.59% 47 10 57 50750 250000 85797 0 5.39% 48 10 58 50750 250000 84035 0 5.17% 49 10 59 50750 250000 82144 0 4.93% 50 10 60 50750 250000 80101 0 4.67% Loyalty Addition : Assumption is => 1 more proportionate bonus for total bonus of 10 years. Age Term Principal Maturity Value Bonus Part for 10 Yr. For 1 Yr. 35 10 50750 96838 46088 4609

Disclaimer :This sheet is for illustration & return analysis purpose only. Not for sale this such products. I am not a insurance agent. So, take your decision independantly or in consultation with your financial advisor. If there is any discrepancy in the sheet, please let me know : [email protected]

LIC Jeevan Vriddhi - Return AnalysisPremium Amount Rs. Enter : => Enter :=> 50000 Service Tax 1.500% 750 Total Premium Sum Assured is 5 times of Premium Amount

01/03/2012

Created by : Satish G. Mistry Associate Financial Planner

Caculate & decide yourself, whether you wants to go with or not?For illustration purpose only Yes Loyalty Addition* 4972 4959 4944 4926 4909 4893 4880 4868 4857 4848 4839 4831 4825 4819 4814 4810 4806 4802 4796 4790 4781 4769 4754 Return Yield 7.59% 7.57% 7.56% 7.54% 7.52% 7.50% 7.48% 7.47% 7.46% 7.45% 7.44% 7.43% 7.42% 7.41% 7.41% 7.40% 7.40% 7.39% 7.39% 7.38% 7.37% 7.36% 7.34% Age @Start Term (Yrs.) Age @Maturity Premium Amt. With Service Tax Sum Assured

Email : [email protected]

50750

250000 Select : => Premium Amt. With Service Tax 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 50750 Sum Assured 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 250000 Guaranteed Maturity Value 100470 100344 100194 100012 99838 99676 99546 99430 99321 99225 99139 99063 98997 98942 98893 98853 98812 98767 98714 98645 98559 98443 98294

Datasource : www.licindia.com Age @Start Term (Yrs.) 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 Age @Maturity 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

Select : => Guaranteed Maturity Value

Yes Loyalty Addition* Return Yield

31 10 41 50750 250000 98096 4735 7.32% 32 10 42 50750 250000 97848 4710 7.29% 33 10 43 50750 250000 97554 4680 7.25% 34 10 44 50750 250000 97220 4647 7.22% 35 10 45 50750 250000 96838 4609 7.17% 36 10 46 50750 250000 96405 4566 7.12% 37 10 47 50750 250000 95914 4516 7.06% 38 10 48 50750 250000 95360 4461 7.00% 39 10 49 50750 250000 94730 4398 6.92% 40 10 50 50750 250000 94016 4327 6.84% 41 10 51 50750 250000 93223 4247 6.74% 42 10 52 50750 250000 92337 4159 6.64% 43 10 53 50750 250000 91322 4057 6.51% 44 10 54 50750 250000 90166 3942 6.37% 45 10 55 50750 250000 88862 3811 6.21% 46 10 56 50750 250000 87407 3666 6.02% 47 10 57 50750 250000 85797 3505 5.81% 48 10 58 50750 250000 84035 3328 5.58% 49 10 59 50750 250000 82144 3139 5.33% 50 10 60 50750 250000 80101 2935 5.05% Loyalty Addition : Assumption is => 1 more proportionate bonus for total bonus of 10 years. Age Term Principal Maturity Value Bonus Part for 10 Yr. For 1 Yr. 35 10 50750 96838 46088 4609

Disclaimer :This sheet is for illustration & return analysis purpose only. Not for sale this such products. I am not a insurance agent. So, take your decision independantly or in consultation with your financial advisor. If there is any discrepancy in the sheet, please let me know : [email protected]

LIC Jeevan Vriddhi - Return AnalysisPremium Amount Rs. Enter : => Enter :=> 100000 Service Tax 1.500% 1500 Total Premium Sum Assured is 5 times of Premium Amount

01/03/2012

Created by : Satish G. Mistry Associate Financial Planner

Caculate & decide yourself, whether you wants to go with or not?For illustration purpose only No Loyalty Addition* 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Return Yield 7.25% 7.24% 7.22% 7.20% 7.18% 7.17% 7.15% 7.14% 7.13% 7.12% 7.11% 7.10% 7.09% 7.09% 7.08% 7.08% 7.07% 7.07% 7.06% 7.06% 7.05% 7.03% 7.02% Age @Start Term (Yrs.) Age @Maturity Premium Amt. With Service Tax Sum Assured

Email : [email protected]

101500

500000 Select : => Premium Amt. With Service Tax 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 Sum Assured 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 Guaranteed Maturity Value 204414 204156 203852 203482 203126 202797 202534 202297 202076 201880 201705 201550 201417 201303 201205 201123 201041 200948 200840 200701 200526 200289 199985

Datasource : www.licindia.com Age @Start Term (Yrs.) 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 Age @Maturity 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

Select : => Guaranteed Maturity Value

No Loyalty Addition* Return Yield

31 10 41 101500 500000 199583 0 7.00% 32 10 42 101500 500000 199078 0 6.97% 33 10 43 101500 500000 198481 0 6.94% 34 10 44 101500 500000 197801 0 6.90% 35 10 45 101500 500000 197024 0 6.86% 36 10 46 101500 500000 196143 0 6.81% 37 10 47 101500 500000 195144 0 6.76% 38 10 48 101500 500000 194016 0 6.69% 39 10 49 101500 500000 192734 0 6.62% 40 10 50 101500 500000 191281 0 6.54% 41 10 51 101500 500000 189669 0 6.45% 42 10 52 101500 500000 187867 0 6.35% 43 10 53 101500 500000 185802 0 6.23% 44 10 54 101500 500000 183448 0 6.10% 45 10 55 101500 500000 180796 0 5.94% 46 10 56 101500 500000 177835 0 5.77% 47 10 57 101500 500000 174559 0 5.57% 48 10 58 101500 500000 170975 0 5.35% 49 10 59 101500 500000 167128 0 5.11% 50 10 60 101500 500000 162972 0 4.85% Loyalty Addition : Assumption is => 1 more proportionate bonus for total bonus of 10 years. Age Term Principal Maturity Value Bonus Part for 10 Yr. For 1 Yr. 35 10 101500 197024 95524 9552

Disclaimer :This sheet is for illustration & return analysis purpose only. Not for sale this such products. I am not a insurance agent. So, take your decision independantly or in consultation with your financial advisor. If there is any discrepancy in the sheet, please let me know : [email protected]

LIC Jeevan Vriddhi - Return AnalysisPremium Amount Rs. Enter : => Enter :=> 100000 Service Tax 1.500% 1500 Total Premium Sum Assured is 5 times of Premium Amount

01/03/2012

Created by : Satish G. Mistry Associate Financial Planner

Caculate & decide yourself, whether you wants to go with or not?For illustration purpose only Yes Loyalty Addition* 10291 10266 10235 10198 10163 10130 10103 10080 10058 10038 10020 10005 9992 9980 9971 9962 9954 9945 9934 9920 9903 9879 9848 Return Yield 7.78% 7.77% 7.75% 7.73% 7.71% 7.69% 7.68% 7.66% 7.65% 7.64% 7.63% 7.62% 7.61% 7.61% 7.60% 7.60% 7.59% 7.59% 7.58% 7.57% 7.56% 7.55% 7.53% Age @Start Term (Yrs.) Age @Maturity Premium Amt. With Service Tax Sum Assured

Email : [email protected]

101500

500000 Select : => Premium Amt. With Service Tax 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 101500 Sum Assured 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 Guaranteed Maturity Value 204414 204156 203852 203482 203126 202797 202534 202297 202076 201880 201705 201550 201417 201303 201205 201123 201041 200948 200840 200701 200526 200289 199985

Datasource : www.licindia.com Age @Start Term (Yrs.) 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 Age @Maturity 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

Select : => Guaranteed Maturity Value

Yes Loyalty Addition* Return Yield

31 10 41 101500 500000 199583 9808 7.51% 32 10 42 101500 500000 199078 9758 7.48% 33 10 43 101500 500000 198481 9698 7.45% 34 10 44 101500 500000 197801 9630 7.41% 35 10 45 101500 500000 197024 9552 7.36% 36 10 46 101500 500000 196143 9464 7.31% 37 10 47 101500 500000 195144 9364 7.26% 38 10 48 101500 500000 194016 9252 7.19% 39 10 49 101500 500000 192734 9123 7.12% 40 10 50 101500 500000 191281 8978 7.03% 41 10 51 101500 500000 189669 8817 6.94% 42 10 52 101500 500000 187867 8637 6.83% 43 10 53 101500 500000 185802 8430 6.71% 44 10 54 101500 500000 183448 8195 6.56% 45 10 55 101500 500000 180796 7930 6.40% 46 10 56 101500 500000 177835 7633 6.21% 47 10 57 101500 500000 174559 7306 6.01% 48 10 58 101500 500000 170975 6947 5.77% 49 10 59 101500 500000 167128 6563 5.52% 50 10 60 101500 500000 162972 6147 5.24% Loyalty Addition : Assumption is => 1 more proportionate bonus for total bonus of 10 years. Age Term Principal Maturity Value Bonus Part for 10 Yr. For 1 Yr. 35 10 101500 197024 95524 9552

Disclaimer :This sheet is for illustration & return analysis purpose only. Not for sale this such products. I am not a insurance agent. So, take your decision independantly or in consultation with your financial advisor. If there is any discrepancy in the sheet, please let me know : [email protected]