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Investments. Save & Create Recurring Deposits Fixed Deposits PPF Systematic Investment Plan.

In India there are 2 TYPES of Investments. 2. Save and Create means you start Savings first and then create. The moment you stop Savings , Creation also stops. There is no lock in term. For example Recurring Deposits and SIP.

3. You start a RD of 10000 per month. You stopped the RD after 3 years. You have invested 360000 till date. The created amount will be 360000 + tax Save and create Investments are stopped by investor for the following reasons The investor voluntary stops due t o temptation to book profit s The investor stops in case of financial emergency The investor di es Because of no Lo ck-in period the Save and Create Type of Investments only works for Short term and Not long term Save and Create can be used for taking care of Short term Goals only.

4. The 2 nd type is Create and save. In C reate and Save first you create and then save. Since you have created first , savings will continue till it meets the goal ( created amount ) . If Savings are stopped anytime before full term the created amount goes away.. Example are Real Estate and Insurance. We have created a property of 20 lakhs where we are saving Rs. 20000 EMI. EMI will continue till 20 Lakhs is cleared. Similarly in Insurance we create Sum Assured first and then save Premium. Premiums will continue till premium term gets over. Premiums cannot be stopped in between Because of Lock in The Create and Save Type of Investments only works for Long term and Not Short term Create and Save can be also be used for taking care of Long term Goals.

SAVE & CREATE. CREATE & SAVE. SHORT TERM GOALS. LONG TERM GOALS.

Taxability. Recurring Deposits. 6. 1st Point. Interest earned on F D/RD is taxed at the tax slab rate of the individual . If an individual decides to invest Rs. 10,000 in an FD at 5.5 % interest rate, pre-tax interest earned during the year would be Rs. 550. Tax on the interest earned at 30 % tax rate would be Rs. 165 , and net amount earned by the investor would be Rs.385. This translates into a net return is 3.85 per cent , which is much lower that the presumed return for which investment was made in the first place..

FD/RD are not entirely safe. Recurring Deposits. 7.

Interest Rates are falling. Recurring Deposits. 8.

9. YEAR 2000 2010 2020 2030 2040 SBI Fixed Deposits Rates 9 7 5 ASSUMPTION 3.5 ASSUMPTION 2.

10. FD Rate TAX Rate Tax Accured Interest Payable Year 2 3 4 5 6 7 8 9 10 II 12 13 15 16 17 18 19 20 21 22 LIC - Term Cost Premium/ Maturity -239070 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 10540000 Opening FD Year Balance Amount 6.50% Closing IRR 9877 9877 9877 9877 9877 9877 9877 9877 9877 9877 9877 9877 9877 9877 9877 9877 9877 9877 9877 9877 9877 o -229193 -224045 -224045 -2240451 -224045 -224045 -224045 -224045 -224045 -224045 -224045 -224045 -224045 -224045 -224045 -224045 -224045 -224045 -224045 -224045 -224045 10540000 21 3 4 5 6 7 8 91 10 II 12 13 14 15 16 17 18 19 20 21 22 o 249761 505314 772294 1051214 1342607 1647032 1965070 2297331 2644451 3007093 3385954 3781756 4195260 4627255 5078568 5550065 6042647 6557257 7094881 7656547 8243330 239070 233922 233922 233922 233922 233922 233922 233922 233922 233922 233922 233922 233922 233922 233922 233922 233922 233922 233922 233922 233922 15540 3 1439 48050 65404 83534 102474 122262 142934 164531 187094 210666 235292 261019 287897 315976 345312 375959 407977 441427 476372 512880 o 15540 31439 48050 65404 83534 102474 122262 142934 164531 187094 2106661 235292 261019 287897 315976, 345312 375959 407977 441427 476372 512880 o Balance 4848 9809 14992 20406 26063 31972 38146 44596 51334 58373 65728 73411 81438 89824 98585 107737 117299 127289 137725 148628 160019 o -239070 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 -233922 8243330.

11. DATE AMOUNT % PPF VALUE 1 1 st APRIL 2006 150000 8.00% 150000 2 1 st APRIL 2007 150000 8.00% 312000 3 1 st APRIL 2008 150000 8.00% 486960 4 1 st APRIL 2009 150000 8.00% 675917 5 1 st APRIL 2010 150000 8.00% 879990 6 1 st APRIL 2011 150000 8.60% 1105669 7 1 st APRIL 2012 150000 8.80% 1352968 8 1 st APRIL 2013 150000 8.70% 1620676 9 1 st APRIL 2014 150000 8.70% 1911675 10 1 st APRIL 2015 150000 8.70% 2227991 11 1 st APRIL 2016 150000 8.10% 2558458 12 1 st APRIL 2017 150000 7.80% 2908018 13 1 st APRIL 2018 150000 7.80% 3284843 14 1 st APRIL 2019 150000 8.00% 3697631 15 1 st APRIL 2020 150000 7.90% 4139744 16 1 st APRIL 2021 0 7.10% 4433666 IRR 8.09%.

12. DATE AMOUNT % PPF VALUE 1 1 st APRIL 2021 150000 7.10% 150000 2 1 st APRIL 2022 150000 7.00% 310500 3 1 st APRIL 2023 150000 7.00% 482235 4 1 st APRIL 2024 150000 7.00% 665991 5 1 st APRIL 2025 150000 7.00% 862611 6 1 st APRIL 2026 150000 6.00% 1064368 7 1 st APRIL 2027 150000 6.00% 1278230 8 1 st APRIL 2028 150000 6.00% 1504923 9 1 st APRIL 2029 150000 6.00% 1745219 10 1 st APRIL 2030 150000 6.00% 1999932 11 1 st APRIL 2031 150000 5.00% 2249928 12 1 st APRIL 2032 150000 5.00% 2512425 13 1 st APRIL 2033 150000 5.00% 2788046 14 1 st APRIL 2034 150000 5.00% 3077448 15 1 st APRIL 2035 150000 5.00% 3381321 16 1 st APRIL 2036 0 5.00% 3550387 IRR 5.51%.

Year Sensex 01-Jan-90 778.64 20.45% 31-Dec-99 5005.82 01-Jan-00 5005.8 13.31% 31-Dec-09 17464.8 01-Jan-10 17565 8.91% 31-Dec-19 41253 01-Apr-10 17692 5.28% 31-Mar-20 29468.

MUTUAL FUNDS CATEGORY Rs 10000/-SIP 15% 15 Years >>>>PROGRESS>>>> SIP RETURNS Rs 10000/- in SIP 10 YEAR Promised CAGR Achieved LARGE CAP 6685068 8.35% 1865618 MID CAP 6685068 10.61% 2121565 LARGE & MID CAP 6685068 8.39% 1869806 MULTICAP 6685068 8.60% 1891987 MULTI ASSEST 6685068 8.50% 1881384 SMALLCAP 6685068 8.04% 1833548 VALUE 6685068 8.08% 1837648.

SIPPERMONTH IO,OW. ANNURCONTRBUTION PERIODOFSIP 30YEARS INVESTMENT {10,000 p.m. 30 yrs MATURITY (3.24 CR) As per data, SIP investment does not last for more than 60 months.

What They say Is... SIP Per Month Annual Contribution Period of SIP INVESTMENT P.m. 30 yrs Rs. 10,000/- 30 Years MATURITY (3.24 CR) 5 Years back the same returns were said to be 18%, 24% and 30 %.

After Investing in Mutual Fund - Everyday keeps checking their investment and fund value - Free app by Mutual Fund Company - Mutual Fund is subject to market risk - Investment varies as per share market.

Normally Investment in Mutual Fund does not last for more than 36 Months (3 Years ) 1. Market is Up = Book Profits 36 Months you invest 3.60 Lakhs Fund Value is 5 lakh then your Profit = 1.40 Lakh 2. Market is Down = Stop Loss 36 Months you invest 3.60 Lakhs Fund value is 2.60 lakh then your Loss = 1 Lakh.

Normally Investment in Mutual Fund does not last for more than 36 Months (3 Years ) 1. Market is Up = Book Profits 36 Months you invest 3.60 Lakhs Fund Value is 5 lakh then your Profit = 1.40 Lakh 2. Market is Down = Stop Loss 36 Months you invest 3.60 Lakhs Fund value is 2.60 lakh then your Loss = 1 Lakh 3. TV and Newspapers tempting ads urges one to withdraw your funds.

Home Renovation. 40 96 3 096 200/6 1 096 Discour•t 5096 6096 70 go.

For eg. - 5 Years withdraws 5 Lakh of the 30 Years plan - But, the 5 lakhs that were withdrawn after 5 years In 25 years with 12% Interest = 85 Lakhs i.e 30 Years = 3.24 Cr 3.24 Cr - 85 Lakh withdraw.

2 Types of returns in Mutual Fund App 1. Absolute Returns Invested Rs.100 turns to Rs.140 then it's known as 40% Absolute Returns 2. Annualized Returns Invested Rs.100 turns to Rs.140 + Period then that is known as Annualized Returns - Invested Rs.100 turns to Rs.140 in 2 Years = - Invested Rs.100 turns to Rs.140 in 5 Years = - Invested Rs.100 turns to Rs.140 in 8 Years = 40/2 = 20% Annualized Returns 8% Annualized Returns 40/5 = 5% Annualized Returns 40/8 =.

- Rs. 100 = - Rs. 100 = - Rs. 100 = Rs.103 in 1 Month = How Mutual Fund Agents Explain Returns Rs.101 in 1 Month = 1% Return p.m i.e 12% Returns p.a. Rs.102 in 1 Month = 2% Return p.m i.e 24% Returns p.a. 3% Return p.m i.e 36% Returns p.a..

VVHAT HAPPEN IF 7 MARKET CRASH •n ao yrs. CRASH .20. OOO 1 OOO .20.0,CH:» 2.58. .20.0•00 2.58. -20.000 4.29.600 .20.000 .20.000 6.57.000 .20 .OC>O 6.5 7 .OOO .20.ooo •1 .20.ooo 8.75.550 .20.OOO 9.34. 40 •1 .20.000 •1 .20.ooo .20.0,00 .20.000 .20 .OCiO 1 .20.000 .20.000 .20.000 .20 .OC)O .20.ooo •1 .20.ooo .20.OOO .20.000 •1 .20.ooo .20.000 .20.000 .20.000 •1 .20.000 .20.000 .20.000 •1 .20.0•00 -20.000 •1 .20.000 .20.000 .20 .OC>O .20.ooo •1 .20.ooo .20.OOO .20.000 .20.000 .20.ooo .20.000 .20.000 .20.0<10 .20.0100 -20.000 1 .20.000 .48.771 .20.000 .20 .OC>O •1 -20.000 •1 .20.ooo .20.OOO •1 .20.ooo •1 .94.26* 15.97.560 21 .96.82B 22.37.082 29.16. a52 37.20. 47.70.620 56.06.2 3 46.04.970 58.93.957 66.03.353 83.74. 9 t .01 .69.029 .01 .98.226 6. 30. 46. a 52 00.413 200/0 20% 25 % 25% 00/0 25 •vo 7-05% .20. •o. 63.506 i 3.96.207 65.259 22.65.048 7.05.533 20.81 .364 26. 7.636 33.92.04 5 40.20.852 35.37.72a .46.059 65.52.574 79.83.089 65. 06.471 76 00.62. .24.38.362 3.648 .32.62.060 30 25% 2084. 25% 20% 50/0 20% -060" LIC gives you the sarme RETURNS w/o- TENSION.

25. 30K YEARS 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 23K 15k 11K 6K YOUR CONTRIBUTIO 361484 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 0 0 5666999 LIC'S CONTRIBUTION 361484 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 707402 707402 707402 707402 707402 707402 707402 707402 707402 ADDITIONAL TOTAL RETURNS 722968 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 707402 17700616 2380634 20081250.

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27. CROREPATI POLICY LIC CONTRIBUTION CAL Age 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 Year Premium( Outflow) Returns(lnflow) Net Cash flow 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 IRR(Post tax) IRR(Pre Tax) 361484 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 353701 0 0 0 o o 0 20081250 -361484 -353701 -353701 -353701 -353701 -353701 -353701 -353701 -353701 -353701 -353701 -353701 -353701 -353701 -353701 -353701 20081250 7.18% 9.09% 10.56% 11.05% 11.22% 20.8 31.2 34.32 35.88.

28. Why to go for LONG TERM CALCULATION ANALYSIS SHORT TERM / LONG TERM ( CROREPATI POLICY ) AGE TERM PAY ONLY FIRST YEAR PREMIUM SUM ASSURED RETURNS AT END TERM POST TAX PRE TAX 30 16 10 30773 4150000 6909750 5.84% 9.12% 30 21 15 30773 6490000 13135760 6.40% 9.990/0 30 25 16 30745 7650000 20081250 7.18% 11.22%.

29. CROREPATI 21 YRS LIC CONTRIBUTION CAL YEARS YOUR CONTRIBUTIO LIC'S CONTRIBUTION TOTAL RETUR 2 3 4 5 6 7 8 10 11 12 13 14 15 16 17 18 19 20 21 361829 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 5318375 361829 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 ADDITIONAL 723658 708078 708078 708078 708078 708078 708078 708078 708078 708078 708078 708078 708078 708078 708078 354039 354039 354039 354039 354039 354039 12760984 374776 13135760.

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31. CROREPATI 21 YRS LIC CONTRIE Age 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 Year Premium( Returns(ln Net Cash flow 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 361829 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 354039 o o o o o o o o o o o o o o o 0 13135760 IRR(Post tax) IRR(Pre Tax) -361829 -354039 -354039 -354039 -354039 -354039 -354039 -354039 -354039 -354039 -354039 -354039 -354039 -354039 -354039 13135760 6.4 ()0/0 8.10% 9.84% 9.990/0 20.8 31.2 34.32 35.88.

32. CROREPATI 16 yrs LIC CONTRIBUTION CAL LIC'S CONTRIBUTIO TOTAL RETURNS YEARS 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 YOUR CONTRIBUTION 361858 354067 354067 354067 354067 354067 354067 354067 354067 354067 3548461 180929 177033 177033 177033 177033 177033 177033 177033 177033 177033 177033 177033 177033 177033 177033 177033 ADDITIONAL 542787 531100 531100 531100 531100 531100 531100 531100 531100 531100 177033 177033 177033 177033 177033 177033 6384885 524865 6909750.

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34. CROREPATI 16 yrs LIC CONTRIBUTI( Age Year Premium( Outflow) Returns(lnflow) Net Cash flow 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 361858 354067 354067 354067 354067 354067 354067 354067 354067 354067 0 0 0 IRR(Post tax) IRR(Pre Tax) 0 o 0 0 0 o 0 0 0 o 0 0 0 6909750 -361858 -354067 -354067 -354067 -354067 -354067 -354067 -354067 -354067 -354067 0 0 0 6909750 5.84% 7.39% 8.59% 8.98% 9.12% 20.8 31.2 34.32 35.88.

35. Why to go LONG TERM BONUS M.B. ANALYSIS SHORT TERM / LONG TERM (Jeevan Anand) 25 16 5,00.000 37.620 5,89.770 3.36.000 42m' 615m 12,sm BMus E A 25 21 27.532 5E332 4.83.000 46x21r5(X) so,tm 5.13% 7.33% 25 25 22.437 5,49.333 515.000 46125.5m 45015m 8,oo.ooo 6.08% 8.69% 25 30 5.00.000 18.059 5.30,518 6.90. Ü 6.83% 9.76% 25 35 5,00.000 15,038 5.15.348 8.05.000 46x35xsu) 11 ,so.cm 19,55.Ü 7.50% 10.72% post Tax Pro. GRAND 4.10%.

3) Retirement Concept. Minimum 10 Crore corpus is needed at Retirement 10 Crore at 3% Interest will give annual returns of 30 lakhs which will work out to around 2.5 Lakhs per month.

Points To Understand. All Investments will get taxable in the coming days Fixed Deposits and Real estate returns have become taxable Even going forward Stock returns will become taxable But Insurance because it is under Section 10(10) D all existing investments will remain tax free 2 When country gets developed the rich needs to pay higher tax Highest tax slab may increase in the coming days The top 3 Economies on Tax Slab Japan -50.84@ China -45% USA -39.9%.

WORLD INTEREST RATES CENTRAL BANKS - summary ot current interest rate 24 Japan Great Britain Australia United States Chile Hungary Saudi Arabia China Russia iCO CURRENT RATE -0.750 % o.cx:x» % o. 100% 0.250 % 0.250 % 0.250 % 0.250 % 0.250 % o.sc:x) % 0.6CKi % .cx»o % t a 500 % 3.850 % 4.250 % 4.250 % 10.250 % PREVIOUS RATE o.cxx:) % 0.050 % -0.250 % 0.250 % 0.250 % 1 .250 % 0.750 % 0.750 % 0.750 % 1 .750 % 2.250 % 3.750 % 4.050 % 6.750 % 8.250 % 01.15.2020 02.01.2020 03.10-2020 05.07.2020 12.19.2020 01. oa. 2020 05.2B.2020 03.19.2020 03.16.2020 05.07.2020 03.19.2020 03.15.2020 27.2020 03.31.2020 07.21.2020 03.16.2020 2020 07.23.2020 04.20.2020 07.24.2020 09-24.2020 16.2020 09.24.2020.

COST OF DELAY Regular Savings Required for 1 Lakh p.m. BANK INTEREST 12% before 15 yrs. BANK INTEREST today BANK INTEREST after 15 years PENSION from Age GO Current 40 period for Saving 15 per m Onth Saving Required 40,000/- 51 70.000,' - .00.000,•- Guaranteed Returns 8% •n 0th" . Ago 20 to • 20M) • ? One Time Savings Required for 1 Lakh p.m. (Shanti) PENSION from Age 60 Current 55 Saving 12 10 05 01 One Time Saving Required 125 Lakhs Lakhs 177 Lakhs 227 Lakhs • See WORLD INTEREST RATES PAGE No. ZZ EARLIER you start - LOWER you pay - HIGHER you Guaranteed 9.74 % 8.83 % 6.80 % 5.33 % get.

LIFETIME guaranteed 8 tax free Income. WHAT IF YOU CANTPAY MORE TERM • MORE THE RETURNS AS—TN DECIDE OWN PREMIUM TEU.

41. ASSUMPTION FOR LIMITED PAYMENT From tho tablo below you will got the brief idea about the benefits you will got. if you pay for different Linutod Payment optior PAY UPTO YEAR 3 5 7 9 11 13 SURVIVAL BENEFITS APPLICABLE 60,800 1 ,333 1 41 867 MAX RISK COVER 51 1 20 58 667 MAX CASH VALUI 49,21 ,ooo 82,01 ,666 DECIDE YOUR own PREMIUM PAYING TERM.

42.

43. 15 Years 8720 PER MONTH A IS Years c c 20 Years 5890 PER MONTH 20 Years Returns 25 Years 4390 PER MONTH 25 Year. Returns 30 Years 3550 PER MONTH 30 Years 2 3 4 6 7 8 9 10 13 14 16 17 18 19 21 22 31 37 41 42 43 45 47 48 49 53 67 13.25 14.75 IS.so 16.25 17.7S 18.50 19.25 ocx:» 20.75 21.50 22.25 24.43.750 24.87 scx:» 2S.3i.2S0 25.87 26.50 27.25 ocx) 28.25 31.50 33.12.scx) 34.75 36.62 40.37 43.12.scx» o o o o o o o o o o o o o 1 .c».ocx» 1 .c».ocx» 1. 1. 1. 1. 13.18.7S0 13.87.sm 14,S6.2S0 t 5.93.7S0 16.62.sm 17.3i.2S0 18.68.7S0 19.37.sm 20.CE.2S0 20.75, IA) 21.43,7S0 22.12,SCX) 23.81.2S0 24.S6,2S0 2S.3i.2S0 26.18.750 27.12,sm 27.84,37S 28.8t,2S0 30.40,62S 32.m.tx» 33.59.37S 3S.t8.7S0 37.03.125 38.87,sm 40.71.87S 43.43.7S0 o o 0 o o o o o o o o o o o o o o o o l.cx:» 1.00 13.7smo 14.37.soo 16.87.soo 1 18.12.S(X) 18. 20.CX).cm 20.62.soo 22.12. sm 22.8 t .250 24.18. 'SO 26.87.scx) sommo 33.7S.cxx» 3S.3t.2S0 38.93.7S0 43.43.7S0 49.68.7S0 o o o o o o o o o o o o o o o o o o 0 o o o l.cx» 13.11.250 13.72.scn 14.33.7S0 15.56.250 16.78.7S0 17.40M)0 18.01.250 19.23.750 19.es.c»o 20.46.2S0 21.93.7S0 22.61.250 23.28. zso 23.96.2S0 24.76.250 26.61.2S0 27.es.cm 29.71.2S0 31.S7.sm 33.43.750 37.41.2S0 41.63.7S0 47.43.125 so.86.2so o o o o o o o o o o o o o o o o o o o o o o o o o.

44. 15 Years 720 PER MONTH 20 Years 5890 PER 25 Years 4390 PER 30 Years 3550 PER MONTH 35 42 47 S' 61 71 74 81 87 91 92 93 77.87. sm 78.62.sm 79.37.sm n87.sm 81.62.sm 82.37.sm 83.12.5m 83.87.sm 84.62.sm 85.37.sm 86.12.sm 86.87.sm ammo Immo ammo Immo 1 m.mo ammo Immo ammo ammo 1 m.mo 1 m.mo Immo l.nwo 1 mmo Immo 1 .mmo w87.soo 36 87 soo MONTH 53.21,87S 56.68.750 Ø.1S,62S 63.62. sm 67.Ø,37S 70.56, 2S0 74.03.125 77.so.n 77.84.375 78.18.7S0 78.53.125 78.87.sm 79.21.87S 79.56.2:so 79.n625 n 59.375 n93.7S0 81.28.125 81.62.sm 8i.%.87S 82.31.250 82.65.625 83.34.37S 83.68. 'SO 84.03.125 84.71.87S 85,W2S0 85.40.625 MONTH 53.12.sm 56.S6.2S0 63.43.7S0 70.31.30 77.18. 78.43.7S0 79.37.5@ 79.æ.7S0 n62.S@ m.93.7S0 81.%.2S0 81.87.sm 82.18.750 82.81.2S0 83.12.sm 83.43.7S0 84.37.SØ 84.æ.7S0 rm.om 25 54.29.375 61.15.625 64.58.750 74.88.125 78.31.2S0 78.61.87S 78.92.sm 79.23.125 79.S3.7S0 79.84.37S n45.625 81.%87S 81.37.sm 81.68.125 81.%.7S0 8229.3B 83.21.250 83.S1.87S 83.82.sm 84.13.12S 84.43. 'SO 84.74.37S 85.3S.62S 85.«.2S0 8S.%.87S 1 31 09 375 8S.%.87S 20 % 875.

Virtual Estate. With LIC’S Property Creation Plan.

Property Creation Plan EMI – Rs . SAME AMT PREMIUM In Sum Assured – 1Crore 75 LACS (Estate Created).

In Virtual Estate is We get better Purchase price.

On Sale of house after 20 years , 1 Crores may become 3 times which is 3 Crores which is not Guaranteed.

4 th Advantage. There is no need to Find a buyer at the time of Sale. The amount gets credited to bank on the maturity date In Real estate we need to search for the buyer.

. 7 th Advantage. Advantage is On death virtual property is automatically transferred to Nominee.