Financial Year

CII Values

1981-1982

100

Year on year increase

Rolling 5-year average

1982-1983

109

9.00%

1983-1984

116

6.42%

1984-1985

125

7.76%

1985-1986

133

6.40%

1986-1987

140

5.26%

1987-1988

150

7.14%

6.97%

1988-1989

161

7.33%

6.60%

1989-1990

172

6.83%

6.78%

1990-1991

182

5.81%

6.59%

1991-1992

199

9.34%

6.48%

1992-1993

223

12.06%

7.29%

1993-1994

244

9.42%

8.28%

1994-1995

259

6.15%

8.69%

1995-1996

281

8.49%

8.56%

1996-1997

305

8.54%

9.09%

1997-1998

331

8.52%

8.93%

1998-1999

351

6.04%

8.22%

1999-2000

389

10.83%

7.55%

2000-2001

406

4.37%

8.49%

2001-2002

426

4.93%

7.66%

2002-2003

447

4.93%

6.94%

2003-2004

463

3.58%

6.22%

2004-2005

480

3.67%

5.73%

2005-2006

497

3.54%

4.30%

2006-2007

519

4.43%

4.13%

2007-2008

551

6.17%

4.03%

2008-2009

582

5.63%

4.28%

2009-2010

632

8.59%

4.69%

2010-2011

711

12.50%

5.67%

2011-12

785

10.41%

7.46%

2012-13

852

8.54%

8.66%

2013-14

939

10.21%

9.13%

2014-15

1024

9.05%

10.05%

2015-16

1081

5.57%

10.14%

Rolling 7-year average

Rolling 10-year average

8.02%
7.57%
7.98%

7.13%

8.60%

7.44%

9.03%

7.74%

9.16%

7.58%

9.35%

7.78%

9.52%

8.11%

9.76%

8.25%

9.80%

8.12%

10.01%

8.52%

8.91%

8.38%

8.27%

7.93%

8.09%

7.22%

7.39%

6.64%

6.70%

6.39%

5.98%

5.90%

5.75%

5.48%

5.09%

5.25%

5.27%

5.21%

5.79%

4.98%

6.87%

5.80%

7.85%

6.34%

8.54%

6.70%

9.49%

7.37%

10.16%

7.91%

10.07%

8.11%

Lump sum Investment in FD/Debt Fund

Rate of return on FD
Rate of return on Debt Funds
Rate of Inflation per CII
Tax Slab
Number of years of investment
Post Tax Return on FD
Effective Yield on FD
Pre Tax value on Debt Fund
Income from Debt Fund
Tax @ 10% /No Indexation
Tax @ 20% /With Indexation
Post Tax corpus without indexation
Post Tax corpus with indexation
Effective Yield on FD (without indexatio
Effective Yield on FD (without indexatio

100000
8%
Fill
8% these
5.50%
5
30.00% fields
5 only
130870
5.53%
146933
46933
4834
3345
142099
143588
7.28%
7.50%

10%
20%
30%

10.30%
20.60%
30.90%

Fixed Deposit
Duration
(Years)

Debt Fund

Start of Year CorpusEnd of Year Corpus Start of Year Corpus

1
100000
105528
100000
2
105528
111362
108000
3
111362
117518
116640
4
117518
124014
125971
5
124014
130870
136049
6
130870
138104
146933
7
138104
145738
158687
8
145738
153795
171382
9
153795
162297
185093
10
162297
171268
199900
11
171268
180736
215892
12
180736
190727
233164
13
190727
201271
251817
14
201271
212397
271962
15
212397
224138
293719
16
224138
236528
317217
17
236528
249604
342594
18
249604
263402
370002
19
263402
277963
399602
20
277963
293328
431570
21
293328
309544
466096
22
309544
326655
503383
23
326655
344713
543654
24
344713
363768
587146
25
363768
383878
634118
26
383878
405098
684848
27
405098
427492
739635
28
427492
451124
798806
29
451124
476062
862711
30
476062
502379
931727

Debt Fund
End of Year Corpus
108000
116640
125971
136049
146933
158687
171382
185093
199900
215892
233164
251817
271962
293719
317217
342594
370002
399602
431570
466096
503383
543654
587146
634118
684848
739635
798806
862711
931727
1006266