MONTHLY EXPENSES ANNUAL EXPENDETURE SOURCE OF INCOME

BASIS AMOUNT BASIS AMOUNT BASIS

KARTHA PERSONAL EXPENSES 70000 SCHOOL FEE 300000 SALARY/BUSINESS INCOME
SPOUSE PERSONAL EXPENSES FAMILY TRIP SPOUSE INCOME
CHILD PERSONAL EXPENSES MISELANIOUS EXPENSES INCOME FROM INVESTMENTS
MOBILE BILL FESTIVALS INCOME FROM PROPERTIES
ELECTRICITY BILL MEDICLAIM PREMIUMS OTHER INCOME
PETROL EXPENSES VEICHLE INSURANCE AVG BONUS/INCENTIVES
MAID SALARY LIFE INSURANCE PREMIUM TOTAL
NEWS PAPER CAR SERVICE
MOVIES FAMILY OCCATIONS
GYM MOBILE REPLACEMENT
PROVISIONS& GROSSARIES CHILD BIRTHDAY
VEGETABLES ANNIVERSARY
MILK FAMILY TRADITION FUNCTIONS
DISH TV DRESS & SHOES
PURCHASES ADDITIONAL TOTAL 300000
RESTAURANTS
CONTRIBUTION TO ELDERS
MEDICAL EXPENSES
CREDIT CARD
WIFI
RENT
PARTIES
TOBACCO
LIQUOR
GAS BILL
WATER
TRAVEL
OTHERS
PRESS(IRON) 100000
MAINTENANCE 6700
PARLOUR 2010
DRESS & SHOPPING 4690
SUPERMARKET EATALBES
LOANS EMI
BASIS AMOUNT
HOME LOAN
CAR LOAD
PERSONAL LOAN
EDUCATION LOAN
UTILITI EMI
HAND LOAN
JEWELE LOAN
OTHERS
TOTAL 70000
OF INCOME SNAP SHOT FOR SAVINGS
AMOUNT BASIS AMOUNT
120000 TOTAL MONTHLY INCOME 120000

ANNUAL PROVISION PM 25000

TOTAL MONTHLY EXPENSES 70000

NET MONTLY SAVINGS AVAILIBLE 25000

120000 CONSERVATIVE SAVINGS 20000

ram1703@yahoo.co.uk
17/3/70
 LONG TERM GOALS
BASIS YEAR NEEDED AMOUNT
CHILD GRADUATION
CHILD POST GRADUATION
CHILD MARRIAGE
RETIREMENT CORPUS
DREAM CAR
DREAM HOUSE
DREAM DESTINATION
OTHER GOALS
TOTAL 0

plot 12 flat f2 mahalakshmi apartment 4th cros st kanna nagar madipakkam 600091
modern
CURRENT REUGULAR SAVINGS INVESTMENTS
SAVINGS AMOUNT MODE
MUTUAL FUND
INSURANCE
PPF
OTHERS
GOLD
STOCKS
PF
RD
NPS
CHIT
VEICHLE INSURANCE
MEDICALIM POLICIES
PROPERTY/OTHER INSURANCE
AGE YEAR AMOUNT NEED
35 2017 BASIS
36 2018 INPUT PAGE 1
37 2019 INPUT PAGE 2
38 2020
39 2021
40 2022
41 2023 INFLATION
42 2024 INFLATION
43 2025 INFLATION
44 2026 INPUT PAGE 3
45 2027 INPUT PAGE 4
46 2028
47 2029 INPUT PAGE 5
48 2030
49 2031
50 2032
51 2033
52 2034 SECURE
53 2035 MODERATE RISK
54 2036 HIGH RISK
55 2037
56 2038
57 2039
58 2040
59 2041
60 2042
 NOTABLE FIELDS
DESCREPTION DESCREPTION
FAMILY MEMBERS LIST WITH AGE & D.O.B OPTION MENTION DEPENDANTS(Y or N)
EXPENSES LOANS & COMMITMENT MONTHLY
ANNUAL EXPENSES & ITS PROVISIONS CREATE PROVISION
LONG TERM GOALS CHILD RETIRMENT & DREAM
RISK PROFILE BASED ON POTENTIAL
INPUT FIELD SEPERATELY FOR EDUCATION SEGREGATION REQUIRED
INPUT FIELD SEPERATELY FOR MARRIAGE SEGREGATION REQUIRED
INPUT FIELD SEPERATELY FOR HOUSE HOLD EXPENSES SEGREGATION REQUIRED
INCOME OPTIONS & ITS SOURCES
CURRENT INVESTMENTS
BREAKUP FOR SINGLE & REGULAR INVESTMENTS
OUTPUT
LIFE PROTECTION REQUIRED
HEALTH COVER REQUIRED
LONG TERM CORPUS REQUIRED
MONTHLY SAVINGS WITH BREAKUPS
% & AMOUNT
% & AMOUNT
% & AMOUNT
INCOME & LIABILITIES
ST & LT GOALS
RISK APATITE

ACORING MODEL
SRORING
S.NO
1
2
3
4
5
6
7
8
9

S.NO
1
2
3
4
5
 BENEFITS OF FINANCIAL PLANNING
Helps monitor cash flows and reduces unnecessary expenditure.
Enables maintenance of an optimum balance between income and expenses.
Helps boost savings and create wealth.
Helps reduce tax liability.
Maximizes returns from investments.
Creates wealth and ensures better wealth management to achieve life goals.
Financially secures retirement life.
Reviews insurance needs and therefore also ensures that dependents are financially secure in the unfortunate event of d
Lastly, it also ensures that a will is made.

BENEFITS OF FINANCIAL PLANNING

REVIEW IN SIX MONTHS IS IMPRTANT
CHANGE NEED IN CASE OF BIRTH DEATH OR INHERITANCE
PROTECTION SHOULD BE FIRST PRIORITY
EXPECTED RETURNS
INFLATION ON EXPENSES AS WELL OF INCOME SHOULD BE FAIRLY CONSIDERED
 PERSON NAME AGE/D.O.B PROFILE APPROXIMATE AI
KARTHA
SPOUSE
FATHER
MOTHER
CHILD 1
CHILD 2
CHILD 3
OTHER DEPENDANT
OTHER DEPENDANT
 CURRENT REUGULAR SAVINGS INVESTMENTS
SAVINGS COMPANY SCHEME NAME AMOUNT MODE EXPECTED YEILD
LIFE INSURANCE
MUTUAL FUND DESCRIPTION DESCRIPTION
POSTAL/GOVT SCHMES
FD & RD
BONDS & DEBENTURES
GOLD
STOCKS
EPF/VPF MONTHLY
NPS
CHIT
VEICHLE INSURANCE
MEDICALIM POLICIES
PROPERTY/OTHER INSURANCE
PLOT
PROPERTIES
GOLD
 MONTHLY EXPENSES ANNUAL EXPENDETURE
BASIS AMOUNT BASIS
KARTHA PERSONAL EXPENSES TUTION FEE FOR CHILD
SPOUSE PERSONAL EXPENSES FAMILY TRIP
CHILD PERSONAL EXPENSES MISELANIOUS EXPENSES(REPAIRS,REPLACEMENT,ETC)
MOBILE BILL FESTIVALS(DIWALI,CHRISTMAS,RAMZAN,ETC)
ELECTRICITY BILL MEDICLAIM PREMIUMS
PETROL EXPENSES VEICHLE INSURANCE(CAR & BIKE)
MAID SALARY LIFE INSURANCE PREMIUM
NEWS PAPER CAR SERVICE(THRICE AN YEAR)
MOVIES FAMILY OCCATIONS(MARRIAGE,OTHER TRADITIONAL FUNCTIONS)
GYM MOBILE REPLACEMENT
PROVISIONS& GROSSARIES CHILD BIRTHDAY GIFT
VEGETABLES ANNIVERSARY GIFT FOR SPOUSE
MILK FAMILY TRADITION FUNCTIONS
DISH TV DRESS & (AVG AN YEAR)
PURCHASES ADDITIONAL TOTAL
RESTAURANTS
CONTRIBUTION TO ELDERS
MEDICAL EXPENSES
CREDIT CARD
WIFI
RENT
PARTIES
TOBACCO
LIQUOR
GAS BILL
WATER
TRAVEL
OTHERS
PRESS(IRON)
MAINTENANCE
PARLOUR
DRESS & SHOPPING
SUPERMARKET SNAKCS
LOANS
BASIS AMOUNT
HOUSE EMI
CAR EMI
OTHER EMI
TOTAL 0
 LONG TERM GOALS
AMOUNT BASIS YEAR NEEDED CURRENT COST
CHILD GRADUATION
CHILD POST GRADUATION
CHILD MARRIAGE
RETIREMENT CORPUS
DREAM CAR REPLACEMENT ONCE IN 5 -7 YEARS
DREAM HOUSE
DREAM DESTINATION ONCE IN A WHILE
HEALTH BACKUP
OTHER GOALS
OTHER GOALS
OTHER GOALS
TOTAL 0

CAS
 SOURCE OF INCOME
BASIS AMOUNT
SALARY/BUSINESS INCOME
SPOUSE INCOME
INCOME FROM INVESTMENTS APRECIATION POPUP
INCOME FROM PROPERTIES
OTHER INCOME
AVG BONUS/INCENTIVES
TOTAL 0
 BASIS AMOUNT
MOBILE BILL HOUSE HOLD
ELECTRICITY BILL HOUSE HOLD
MAID SALARY HOUSE HOLD
DISH TV HOUSE HOLD
WIFI HOUSE HOLD
RENT HOUSE HOLD
GAS BILL HOUSE HOLD
WATER HOUSE HOLD
PRESS(IRON) HOUSE HOLD
MAINTENANCE HOUSE HOLD
NEWS PAPER GROSSARY
PROVISIONS& GROSSARIES GROSSARY
VEGETABLES GROSSARY
MILK GROSSARY
PURCHASES ADDITIONAL GROSSARY
KARTHA PERSONAL EXPENSES PERSONAL
SPOUSE PERSONAL EXPENSES PERSONAL
CHILD PERSONAL EXPENSES PERSONAL
PETROL EXPENSES PERSONAL
NEWS PAPER GROSSARY
GYM PERSONAL
MOVIES ENTERTAINMENT
RESTAURANTS ENTERTAINMENT
PARTIES ENTERTAINMENT
CREDIT CARD PERSONAL
TOBACCO PERSONAL
LIQUOR PERSONAL
PARLOUR PERSONAL
DRESS & SHOPPING PERSONAL
MOVIES ENTERTAINMENT
RESTAURANTS ENTERTAINMENT
PARTIES ENTERTAINMENT
HOUSE EMI LOANS
CAR EMI LOANS
OTHER EMI(MOBILE TV ETC) LOANS
CONTRIBUTION TO ELDERS OTHERS
MEDICAL EXPENSES OTHERS
TRAVEL OTHERS
OTHERS OTHERS
 ANNUAL EXPENDETURE
BASIS AMOUNT LESIURE
TUTION FEE RENT
FAMILY TRIP ENTERTAINMENT
FESTIVALS CONSUMABLE
MEDICLAIM PREMIUMS BILLS DISH TV
VEICHLE INSURANCE WIFI
LIFE INSURANCE PREMIUM GAS BI
CAR SERVICE THRICE AN YEAR
CULTURE BASED FAMILY OCCATIONS
MOBILE REPLACEMENT
CHILD BIRTHDAY
ANNIVERSARY
FAMILY TRADITION FUNCTIONS
MISELANIOUS EXPENSES
REPLACEMENT OF HOUSE HOLD
TOTAL 0
FOOD & CONSUMABLES PERSONAL 1 2
BILLS & UTILITIES HOME LOAN 1 2
TRANS EDUCATION
HEALTH CARE BUSINESS LOAN
RENT/HOUS VEICHLE LOAN
ENT LESIURE UTILITY LOAN
DRSS & SH HAND LOAN
FESTIVAL OTHER CARD EMI JWEWL LOAN
FEEE
OTHERS CONTROBUTUON DONATIO
 AVERAGE LIFE CYCLE OF A NORMAL CIVILIAN

3 SALARIED ADD
3 BUSINESS INCOME
PROFESSIONAL
PROPERTY INCOME
INCOME FROM INESTMENTS
INCENTIVES
BONUS
LIC LOAN AGRI LOAN
INSURANCE
S.NO COMPANY PLAN NAME PORPOSER LIFE ASSURED SUM ASSURED
MF LUMPSUM
COMPANY FUND NAME START DATE INVESTED TYPE
MF SIP DIVPAYOUT DIV REINVEST,GROWTH
COMPANY FUND NAME SIP AMOUNT START DATE SIP END DATE TYPE
BANK FD
COMPANY FUND NAME SIP AMOUNT START DATE SIP END DATE TYPE
BANK RD
COMPANY FUND NAME SIP AMOUNT START DATE SIP END DATE TYPE
TYPE START DATE MATURITY DATE PREMIUM MODE APE PPT
 CATOGERY BASIS AMOUNT MONTHLY EXPENSES
UTILITY BILLS MOBILE BILL
UTILITY BILLS ELECTRICITY BILL
TRAVEL PETROL EXPENSES
HOUSE HOLD MAID SALARY
UTILITY BILLS NEWS PAPER
ENTERTAINMET MOVIES
ENTERTAINMET GYM
HOUSE HOLD PROVISIONS& GROSSARIES
HOUSE HOLD VEGETABLES
HOUSE HOLD MILK
UTILITY BILLS DISH TV
HOUSE HOLD OTHER EATABLES
ENTERTAINMET RESTAURANTS
OTHERS CONTRIBUTION TO ELDERS
OTHERS MEDICAL EXPENSES
OTHERS CREDIT CARD
UTILITY BILLS WIFI
RENTAL HOME RENT
ENTERTAINMET PARTIES
PERSONAL TOBACCO
PERSONAL LIQUOR
UTILITY BILLS GAS BILL
HOUSE HOLD WATER
ENTERTAINMET TRAVEL
OTHERS OTHERS
HOUSE HOLD PRESS(IRON)
PERSONAL PARLOUR
PERSONAL DRESS & SHOPPING
RENTAL PARKING LOT
RENTAL MAINTANACE

CATOGERY BASIS AMOUNT

RENTAL HOME RENT LOANS
RENTAL PARKING LOT BASIS
RENTAL MAINTANACE HOUSE EMI
HOUSE HOLD PROVISIONS& GROSSARIES CAR EMI
HOUSE HOLD VEGETABLES EDUCATION LOAN
HOUSE HOLD MILK UTILITI EMI
HOUSE HOLD OTHER EATABLES HAND LOAN
HOUSE HOLD WATER JEWLVE LOAN
HOUSE HOLD PRESS(IRON) OTHERS
HOUSE HOLD MAID SALARY TOTAL
CATOGERY BASIS AMOUNT
ENTERTAINMET MOVIES
ENTERTAINMET GYM
ENTERTAINMET RESTAURANTS
ENTERTAINMET PARTIES
ENTERTAINMET TRAVEL
TRAVEL PETROL EXPENSES
CATOGERY BASIS AMOUNT
UTILITY BILLS MOBILE BILL
UTILITY BILLS ELECTRICITY BILL
UTILITY BILLS NEWS PAPER
UTILITY BILLS DISH TV
UTILITY BILLS WIFI
UTILITY BILLS GAS BILL
MONTHLY EXPENSES
5000000

KARTHA PERSONAL EXPENSES

SPOUSE PERSONAL EXPENSES
CHILD PERSONAL EXPENSES 5000000

1500000
LIQUID FUND

SWOP 50000
30
NOM 37
0

EMI
AMOUNT

0
PRINCIPAL
1000000

3500000 3500000
3990000 1 3990000
2 4548600
3 5185404
MIP PREMIUM LIC
1 -100000 18L -100000
2 -100000
3 -100000
4 -100000 M KALYANASUNDER 17/11/76
5 -100000 JAYALAKSHMI 27/2/77
6 -100000 JK RAKSHITHA 30/1/2006
7 -100000
8 -100000
9 -100000
10 -100000 25L
11 120000 120000
12 120000 120000
13 120000 120000
14 120000 120000
15 120000 120000
16 120000 120000
17 120000 120000
18 120000 120000
19 120000 120000
20 1120000 120000 1000000
7%
10000 8000 96000

1000 SBI MAG

1000 AXIS TOP 25