ANALYSIS OF INVESTMENTS U/S 80C OF THE INCOME TAX ACT AND OTHER INVESTMENTS
COMPARISON STATEMENT SHOWING THE RESULTS OF INVESTING Rs. 100,000/- EVERY YEAR FOR 15 YEARS IN V
A I!"#s$%#!$ &' Rs. 100,000/- (s %)*# +&!s(s$#!$ #"# #) '& 15 #)s
T# $#s$ $& *#+(*# (+ $# 2#$$# I!"#s$%#!$ (s $& s## & %3+ #)$ &3 &3* )"# )'$# 15 #)s
SLNO N)%# &' $# I!"#s$%#!$ F#)$3#s W#)$ (! H)!* )'$# 15 #)s
I P32(+ P&"(*#!$ F3!* A++&3!$ 8.804 A!!3) ,166,701 1,66,701 0
II N)$(&!) S)"(!9s C#$(:+)$# VIII Iss3# 8.004 S#%( A!!3) ;,<7,01 1,67,01 0
III 5 Y#) T)= S)"# F(=#* D#>&s($s <.;54 ?3)$# ;,80,6;6 1,70;,7 7;,11
IV P&s$ O@+# T(%# D#>&s($ 8.504 ?3)$# ;,7,1< 1,50,50 0,7
V N# P#!s(&! S+#%#/N)$(&!) P#!s(&! T(# S+#%# NA ,5,818 1,<5,51; 111,<
VI (s)! V(B)s P)$) .V.P 8.604 A!!3) ;,575,58 1,5,567 60,<6
VII I!"#s$%#!$ (! G&* P(+# R(s# NA ,;6,61 6,76,61 0
VIII S#!(& C($(#! S)"(!9s S+#%# SCSS <.004 ?3)$# ;,777,8;; 1,5,86< 58,0;7
IX C&%>)! D#>&s($s 10.64 ?3)$# ,0;5,6;8 1,<81,551 65,1;
X D#>&s($ W($ N)$(&!) H&3s(!9 )!B <.;54 ?3)$# ;,80,6;6 1,70;,7 7;,11
XI NAARD &!*s 8.;54 A!!3) ;,580,;51 1,86,56 06,10
XII H&3s(!9 L&)! P(+# R(s# NA ,70,050 ;,;0,050 0
XIII L('# I!s3)!+# .004 A!!3) ;,;1,0 86,60 1,60
XIV S)#s I!*#= F3!*s P(+# R(s# NA ,81;,116 ;,1;,116 0
N&$#
1T)= S)"(!9s &! A++3)s &! G&* )!* H&3s# )# !&$ +&!s(*##* s(!+# $# )$$)+$ C)>($) G)(!s $)= )$ $# $(%# &' S)#
;T)= S)"(!9s &! I!+#)s# (! $# P(+# &' S)#s (s #+&9!(s#* s(!+# ($ *&#s !&$ )$$)+$ C)>($) G)(!s $)= )$ $# $(%# &' S)#
I. P32(+ P&"(*#!$ F3!* A++&3!$
F#)$3#s
1 Reasonable Return
3 Safety
5 om!oun" Interest
# $o %ealt& Tax
' e"ution u!to Rs* 1++,+++-. /-s 0+ of Inome tax t
0 ong Term Inestment
Euialent to 12*56 Interest if a !erson is in t&e 3+6 tax bra7et
R)$# &' R#$3! >)
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11 9inor &il" : Parent; ombine" ontribution annot exee" Rs* 1++,+++-.
12 I"eal for &il"s E"uation nee"s* <etter t&an any &il" !lan of Insurers
13 ount =!ening an be ma"e at >ea" Post =?es or esignate" $ationali@e" <an7s
14 ount term is 15 years A 5 years extension
15 Boint ounts are not !ermitte"
1#
1' I!$##s$ R)$# &! PPF (s 8.84 C&%>&3!*#* )!!3)
10
1 PPF )++&3!$ (s (%%3!# '&% )$$)+#%#!$.
2+ In PPF "ate of realisation of &eue is ta7en as t&e "ate of e!osit
21 PPF a- annot be 7e!t as seurity in any ban7
22 Form &as to be Clle" to o!en a PPF ount
Ass3%>$(&!s
1 Rs* 1++,+++-. is ineste" in t&e beginning of ea& year for 15 years
2 Inestment is ma"e at 0*06 om!oun"e" annually
3
TALE SHOWING INVESTMENT IN PPF ACCOUNT OVER 15 YEARS
Tax Savings
8.804 04 S)2
SLN& I!"#s$%#!$ I!$##s$ ))!+# On Interest On 80C  T=T
1 1++,+++ 0,0++ 1+0,0++ 2,#4+ 3+,+++ 32,#4+
2 1++,+++ 10,3'4 22',1'4 5,512 3+,+++ 35,512
3 1++,+++ 20,'1 355,## 0,#3' 3+,+++ 30,#3'
4 1++,+++ 4+,125 4#,+1 12,+3' 3+,+++ 42,+3'
5 1++,+++ 52,45# #40,54' 15,'3' 3+,+++ 45,'3'
# 1++,+++ #5,0'2 014,41 1,'#2 3+,+++ 4,'#2
' 1++,+++ 0+,4# 4,000 24,141 3+,+++ 54,141
0 1++,+++ #,35+ 1,11,230 20,+5 3+,+++ 50,+5
1++,+++ 113,#2 1,4+4,0#' 34,+0 3+,+++ #4,+0
1+ 1++,+++ 132,420 1,#3',25 3,'20 3+,+++ #,'20
11 1++,+++ 152,002 1,0+,1'' 45,0#5 3+,+++ '5,0#5
12 1++,+++ 1'5,13# 2,1#5,313 52,541 3+,+++ 02,541
13 1++,+++ 1,340 2,4#4,##+ 5,0+4 3+,+++ 0,0+4
14 1++,+++ 225,#+ 2,'+,35+ #','+' 3+,+++ ','+'
15 1++,+++ 254,351 ,166,701 '#,3+5 3+,+++ 1+#,3+5
1,500,000 1,66,701 6<,610 650,000 <6,610
II. N)$(&!) S)"(!9s C#$(:+)$# VIII Iss3#
Inestment an be ma"e in multi!les of 5++ Rs* Eit&er um!sum or Installment* Installment annot exee" 12 a year*
Interest is allo8e" at t&e lo8est balane at t&e re"it of aount bet8een lose of 5t& "ay an" en" of t&e mont&
 Tax Saings is on Interest earne" on PPF : 0+ <eneCt on t&e assum!tion t&at it 8oul" ot&er8ise be taxable D3+6
PPF ACCOUNT IS IMMUNE FROM AT CANNOT E ATTACHED Y A COU
SETTLEMENT OF DE
F#)$3#s
1 S&eme S!eially esigne" for oernment Em!loyees, businessmen an" ot&er salarie" assessees
2 $o maximum limit for Inestment
3 $o TS
4ertiCates an be 7e!t as ollateral seurity to get loan from ban7s
5 Inestment u!to Rs* 1++,+++-. I$R ualiCes for rebate /-s 0+ of IT t
# Trusts : >/F annot Inest
7R)$# &' I!$##s$ (s 84 +&%>&3!*#* s#%( )!!3). E#+$("# #) )$# (s 8.14 +&%>&3!*#* )!!3)
8M)$3($ >#(&* &' NSC (s #)s
Ass3%>$(&!s
1 Eery year (i*e for 15 years) Inestment is ma"e in $S of Rs* 1++,+++ III Issue
2 Inestment ma"e in t& year 8ill get mature" at t&e en" of 14t& year
3 Inestment ma"e from 11t& year on8ar"s 8ill not be mature" an" &ene only arue" interest is onsi"ere"
4 Interest reeie" in t&e year of maturity is taxabe as it is not "eeme" to be reineste"
#
 Tax Saings on Interest in ta7en at 3+6 from Interest earne" from year 1 to year 5 as rue" Interest is "eeme" to be reineste"
' #t& year Interest in taxable as it is not "eeme" to be reineste"
0
0*1#6   Tax Savings
 Y#) I!"#s$%#!$ I!$##s$ 4 I!$##s$   On Interest On Investment   T=T
1 1++,+++ 0*1#+6 0,1#+ 2,440 3+,+++ 32,440
2 0*02#6 0,02# 2,#40 2,#40
3 *54#6 ,54# 2,0#4 2,0#4
4 1+*3256 1+,325 3,+0 3,+0
5 11*1#06 11,1#0 3,35+ 3,35+
# 12*+'6 12,+'
100,000 0,10 16,607 0,000 66,607
STATEMENT SHOWING INVESTMENT MADE IN NSC OVER A PERIOD OF 15 YEARS
INTEREST EARNED FROM 1ST YEAR TO TH YEAR
I!"#s$%#!$ 1s$ #) ;!* #) * #) 6$ #) 5$ #) $ #) T&$) I!$##s$
 Y#)   8.160% 8.826% 9.546% 10.325% 11.168% 12.079% Year  
1 1++,+++ 0,1#+ 0,02# ,54# 1+,325 11,1#0 12,+' 0,10 '
2 1++,+++ 0,1#+ 0,02# ,54# 1+,325 11,1#0 12,+' 0,10 0
3 1++,+++ 0,1#+ 0,02# ,54# 1+,325 11,1#0 12,+' 0,10
4 1++,+++ 0,1#+ 0,02# ,54# 1+,325 11,1#0 12,+' 0,10 1+
5 1++,+++ 0,1#+ 0,02# ,54# 1+,325 11,1#0 12,+' 0,10 11
# 1++,+++ 0,1#+ 0,02# ,54# 1+,325 11,1#0 12,+' 0,10 12
 Tax <eneCt for $S Interest is gien een t&oug& Total Inestment in $S annot exee" Rs 1++,+++-. (Suitable &anges in Inestment Portfolio to be ma"e to aail exem!tion)
M)$3($ P&+##*s
NSC WAS STARTED SAVINGS AMONG TH
' 2#+,1+3 21,224 22,5# 24,03+ 2#,05# 2,+4' 31,41' 15,0 13
0 2#+,1+3 21,224 22,5# 24,03+ 2#,05# 2,+4' 31,41' 15,0 14
2#+,1+3 21,224 22,5# 24,03+ 2#,05# 2,+4' 31,41' 15,0 15
1+ 2#+,1+3 21,224 22,5# 24,03+ 2#,05# 2,+4' 31,41' 15,0 1#
11 2#+,1+3 21,224 22,5# 24,03+ 2#,05# 2,+4' 31,41' 15,0 1'
12 2#+,1+3 21,224 22,5# 24,03+ 2#,05# 2,+4' 31,41' 15,0 10
13 51#,434 42,141 45,50+ 4,2 53,322 5',#'3 #2,3' 10,< 1
14 51#,434 42,141 45,50+ 4,2 53,322 5',#'3 #2,3' 10,< 2+
15 51#,434 42,141 45,50+ 4,2 53,322 5',#'3 #2,3' 10,< 21
,70<,<;0 0;,7;< ;7,6; 56,151 8,06< 616,0 668,116 ;,;;<,78;
S3%%) )$ $# E!* &' 15 #)s
1 Inestment at &an"; /nmature" $S (Gear 11 to 15) 2,+#,5+'
2 Proee"s in <an7 of 9ature" $S of year 1+ yet to be Reineste" 41#,434
3 rue" Interest on $S till "ate (/nmature". 9ar7e" yello8) 40',##+
4 Total Interest Earne" till "ate 05,41
5 Interest yet to rue '5#,10+
# Tax Saings till "ate 032,#30
III 5 Y#) T)= S)"# F(=#* D#>&s($s
F#)$3#s
2 Tenure . 5 years (o7 in Perio")
3 In ase of Boint &ol"ers of F, "e"ution /-s 0+ is aailable only to Crst aount &ol"er
4 R)$# &' I!$##s$ (s )s ># >#")((!9 )$#s (.# <.;54 '& O*(!) +($(#! )!* <.754 '& S#!(& C($(#!
5 9ont&ly or uarterly interest !ayout o!tions
# O$# $)! P)&3$ &>$(&! )")()2# (.# I!$##s$ (s +&%>&3!*#* #"# 3)$#
' TS is "e"ute" at a!!liable rates i*e 1+6 for Interest !ayable or reineste" if it is oer Rs* 1+,+++ !er ustomer !er bran&
0 S(!+# I$ (s +&%>&3!*#* #"# 3)$# ##+$("# (!$##s$ )$# ( 2# <.5754 +&%>&3!*#* ># )!!3%
Interest reeie" is fully taxable
SOUC!" #tt$"&&&.#'()*an+.),m$ers,na-$r,')t$r,')t'etai-s5/ear/tax/saving/xe'/'e$,sitgts8mi,&
STATEMENT SHOWING INVESTMENT MADE IN TAX SAVER FD OVER A PERIOD OF 15 YEARS
*5'56 1+*426 11*4#6 12*5'6 13*0+36
 Y#) I!"#s$%#!$ 1 ; 6 5 T&$) S$)$3s
1 1++,+++ ,5'5 1+,42 11,4# 12,5' 13,0+3 5',#4 # 9ature"
2 1++,+++ ,5'5 1+,42 11,4# 12,5' 13,0+3 5',#4 ' 9ature"
3 1++,+++ ,5'5 1+,42 11,4# 12,5' 13,0+3 5',#4 0 9ature"
4 1++,+++ ,5'5 1+,42 11,4# 12,5' 13,0+3 5',#4 9ature"
5 1++,+++ ,5'5 1+,42 11,4# 12,5' 13,0+3 5',#4 1+ 9ature"
# 24+,5'5 23,+35 25,241 2',#5' 3+,3+# 33,2+' 13,44# 11 9ature"
R#(!"#s$%#!$ #)
' 24+,5'5 23,+35 25,241 2',#5' 3+,3+# 33,2+' 13,44# 12 9ature"
0 24+,5'5 23,+35 25,241 2',#5' 3+,3+# 33,2+' 13,44# 13 9ature"
24+,5'5 23,+35 25,241 2',#5' 3+,3+# 33,2+' 13,44# 14 9ature"
1+ 24+,5'5 23,+35 25,241 2',#5' 3+,3+# 33,2+' 13,44# 15 9ature"
11 430,10' 41,5# 45,'4 5+,3'# 55,1 #+,404 253,0 1# 9ature"
12 430,10' 41,5# 45,'4 5+,3'# 55,1 #+,404 253,0 1' Running
13 430,10' 41,5# 45,'4 5+,3'# 55,1 #+,404 253,0 10 Running
14 430,10' 41,5# 45,'4 5+,3'# 55,1 #+,404 253,0 1Running
15 430,10' 41,5# 45,'4 5+,3'# 55,1 #+,404 253,0 2+ Running
,8<,807 7;,8; 608,51 667,68 6<0,510 57,67 ;,;5,<<
S3%%) )$ $# E!* &' 15 #)s
1 Inestment at &an"; /nmature" F (Gear 12 to 15) 1,'52,'4'
2 Proee"s in <an7 of 9ature" F of year 11 yet to be Reineste" #15,'
3rue" Interest on F till "ate (/nmature". 9ar7e" yello8) 4#1,#'
4 Total Interest Earne" till "ate (9ar7e" in reen) 1,241,+30
5 Interest yet to rue 554,2#1
# Tax Saings till "ate 45+,+++
IV P&s$ O@+# T(%# D#>&s($
F#)$3#s
1n a"ult singly or Bointly or on be&alf of minor an o!en an aount
2 9inimum Inestment Rs* 2++-.* Inestment s&oul" be ma"e in multi!les of Rs* 5+* $o u!!er limit*
3 1 to 5 years maturity !erio"s
4
P#(&*
 T8o years #*5+6 '*0+6 0*3+6
 T&ree years '*256 0*++6 0*4+6
Fie Gears '*5+6 0*3+6 0*5+6
5 I!$##s$ (s +)+3)$#* &! 3)$# +&%>&3!*(!9 2)s(s >)(* )!!3) $& POS A/+
# 0+ beneCt is aailable for "e!osits
' Interest is taxable
Ass3%>$(&!s
1 P=T is 7e!t for a !erio" of 5 years an" eery year 1++,+++-. is ineste"
0*''56 *5456 1+*3036 11*246 12*2056
 Y#) I!"#s$%#!$ 1 ; 6 5 T&$) S$)$3s
1 1++,+++ 0,''5 ,545 1+,303 11,24 12,205 52,201 # 9ature"
.#.'. 01.1;.;011
.#.'. 01.06.;01;
R#(!"#s$%#!$ #)
2 1++,+++ 0,''5 ,545 1+,303 11,24 12,205 52,201 ' 9ature"
3 1++,+++ 0,''5 ,545 1+,303 11,24 12,205 52,201 0 9ature"
4 1++,+++ 0,''5 ,545 1+,303 11,24 12,205 52,201 9ature"
5 1++,+++ 0,''5 ,545 1+,303 11,24 12,205 52,201 1+ 9ature"
# 23#,5' 2+,'#1 22,503 24,5#5 2#,'2+ 2,+#5 123,#5 11 9ature"
' 23#,5' 2+,'#1 22,503 24,5#5 2#,'2+ 2,+#5 123,#5 12 9ature"
0 23#,5' 2+,'#1 22,503 24,5#5 2#,'2+ 2,+#5 123,#5 13 9ature"
23#,5' 2+,'#1 22,503 24,5#5 2#,'2+ 2,+#5 123,#5 14 9ature"
1+ 23#,5' 2+,'#1 22,503 24,5#5 2#,'2+ 2,+#5 123,#5 15 9ature"
11 423,103 3',134 4+,33 43,3' 4','3 51,0' 221,244 1# 9ature"
12 423,103 3',134 4+,33 43,3' 4','3 51,0' 221,244 1' Running
13 423,103 3',134 4+,33 43,3' 4','3 51,0' 221,244 10 Running
14 423,103 3',134 4+,33 43,3' 4','3 51,0' 221,244 1Running
15 423,103 3',134 4+,33 43,3' 4','3 51,0' 221,244 2+ Running
,7<8,8<8 ,5 ;,05 <6,6;6 6;<,06 6,8; 1,<8,0<<
S3%%) )$ $# E!* &' 15 #)s
1 Inestment at &an"; /nmature" P=T (Gear 12 to 15) 1,#2,'32
2 Proee"s in <an7 of 9ature" F of year 11 yet to be Reineste" 5'0,+54
3rue" Interest on F till "ate (/nmature". 9ar7e" yello8) 4+5,303
4 Tax Saings till "ate 45+,+++
5 Total Interest Earne" till "ate (9ar7e" in reen) 1,1+1,123
# Interest yet to rue 4',53
V N# P#!s(&! S+#%#/N)$(&!) P#!s(&! S+#%#
F#)$3#s
1eCne" ontribution base" Pension System intro"ue" by ot of In"ia 8*e*f 1st Ban 2++4
2 It oHers a 8i"e gamut of Inestment o!tions to em!loyees
3 In"ii"uals an "ei"e 8&ere to inest t&eir money
4 T&e s&eme is struture" into 2 tiers
5 Tier I ount; oes not allo8 !remature 8it&"ra8al
# Tier II ount; Permits !remature 8it&"ra8al
'
0 22 State-/T &ae $otiCe" $PS for its em!loyees
$PS is regulate" by PFR (Pension fun" Regulatory an" eelo!ment ut&ority
1+ $PS is a oluntary Pension S&eme* <ut it man"atory for Em!loyees of entral ot* ny one bet8een 10 to #+ years an inest
11 For ot serents, 1+6 of <asi Salary, , P 8ill be "e"ute"* Em!loyer 8ill ma7e a mat&ing ontribution
12 Tier I is om!ulsory 8it& ontributions from t&e ot* %&eras Tier II is oluntary 8it& no ontributions from t&e entral ot
13 Pension fun" managers 8ill manage t&ree se!arate s&emes, ea& inesting in a "iHerent asset lass
14   1. E C)ss I!"#s$%#!$ &3* >(%)( 2# (! E3($ %)B#$ (!s$3%#!$s. I$ &3* (!"#s$ (! I!*#= '3!*s $)$ #>(+)$# $# >&$'&(& &' #($# SE S#!s($("
15 ;. G C)ss I!"#s$%#!$ &3* 2# (! G&"#!%#!$ s#+3($(#s (B# GOI 2&!*s )!* S$)$# G&"$. 2&!*s
1# . C C)ss I!"#s$%#!$ &3* 2# (! :=#* (!+&%# s#+3($(#s &$# $)! G&"#!%#!$ S#+3($(#s
1' C)ss
$PS of entral ot Em!loyees are manage" by Professional Pension Fun" 9anagers in line 8it& Inestment ui"elines of ot for $on ot Proi"ent Fun"s
T( $# &' )9# 5 #)s
3+6 1+6
2+6 0+6
10 $PS leies extremely lo8 Inestment management &arge of +*+++1+6 on net /9 (sset /n"er 9anagement)
1
2+ Em!loyee ontribution to $PS ualiCes for "e"ution /-s 0+ of t&e IT t
21 Em!loyer ontribution is to be inlu"e" in total inome, but ualiCes for "e"ution /-s 0+ of t&e IT t*(In t&is ase limit of Rs* 1++,+++-. /-s 0+ "oes not a!!ly)
22 %it&"ra8als from $PS 8ill be taxable as !er EET (Exem!t Exem!t Taxable) Regime* (i*e ontributions : ruals Exem!t, 8it&"ra8als taxable)
23 It Is !ro!ose" to bring t&e $PS un"er t&e EEE (Exem!t Exem!t Exem!t Regime un"er t&e !ro!ose" T (iret Tax o"e)
SOURCE
#tt$"en.&i+i$e'ia.,rg&i+iati,na-ensi,nS)#emeastinvestmentretrns
#tt$"&&&.investment+it.),marti)-es201102&#/n,t/t,/invest/in/ne&/$ensi,n/s)#eme/n$s 
#tt$"&&&.i)i)i*an+.),mers,na-/an+inga)),nt/'e$,site&/ensi,n/Sstem$'(n$s,er.$'( 
#tt$"&&&.$an+a*atra.),min'iane&/$ensi,n/s)#eme/n$s/in'ia 
&tt!;--bse.11.2+++*blogs!ot*in-!-bse.sensex.&istorial.!ries.in.year''#0*&tml
&tt!;--888*bsein"ia*om-&ist"ata-&in"ies2*as!
Ass3%>$(&!s
1 Rs*5+,+++i*e (5+6 of Rs* 1++,+++-..is ineste" eery year in lass E i*e in t&e euity mar7et* T&e inestments are ma"e in in"ex fun"s t&at re!liate t&e !ortfolio of <SE SE$
2 Sine !re"iting t&e Sto7 mar7et is "i?ult, t&e be&aiour of <SE SE$SEJ is onsi"ere" of !ast 15 years
3 <SE losing rates as at t&e beginning of t&e year i*e is 1st Banaury are onsi"ere"
4ii"en" Payouts by om!anies if any are ignore" (s a ontingeny for sto7 mar7et unertanities)
RETURNS ON ECLASS I!"#s$%#!$s (! E3($ P&$'&(& &' SE S#!s($("# I!*#=
SLN& Y#) 1 ; 6 5 7
3,#4*#2 3,+#+*34 5,3'5*11 3,55*+0 3,24#*15 3,3+*12 5,15*4'
1 10 3,#4*#2 50,000.00 41,41#*1' '2,'42*3 53,524*0# 43,3+*'' 45,0'*14 0+,+55*1
2 1 3,+#+*34 50,000.00 0',010*04 #4,#10*31 53,+35*'' 55,30'*# #,#4'*2'
3 2+++ 5,3'5*11 50,000.00 3#,'+*# 3+,1#*13 31,535*35 55,+2#*5+
4 2++1 3,55*+0 50,000.00 41,+3'*'3 42,05'*' '4,'03*1
5 2++2 3,24#*15 50,000.00 52,21'*55 1,115*1'
# 2++3 3,3+*12 50,000.00 0',245*'3
If subsriber exits before #+ years of age, &e-s&e &as to inest 0+6 of aumulate" saing to !ur&ase a life annuity from IR regulate" life insurer* T&e remaining 2+6 ma as lum! sum* =n exit after age #+ years from t&e !ension system, t&e subsriber 8oul" be reuire" to inest at least 4+6 of !ension 8ealt& to !ur&ase an annuity* In ase em!loyees, t&e annuity s&oul" !roi"e for !ension for t&e lifetime of t&e em!loyee an" &is "e!en"ent !arents an" &is s!ouse at t&e time of retirement* If subsriber "oes no system at or before '+ years, aount 8oul" be lose" 8it& t&e beneCts transferre" to subsriber in lum! sum* If a subsriber "ies, t&e nominee &as t&e o!tion to reeie t&e 8ealt& as a lum! sum*
SE SENSEX )$ #) 2#9(!!(!9
<SE SE$SEJ (losing Points)
0 2++5 #,#'*2+
11 2++0 2+,3++*'1
12 2++ ,+3*4#
14 2+11 2+,5#1*+5
15 2+12 15,51'*2
50,000 <1,61 ;10,51 ;06,<6 ;18,;00 ;77,878 56,87
RETURNS ON GCLASS I!"#s$%#!$s (! GOI &!*s/S$)$# G&"$ &!*s
Ass3%>$(&!s
1 Rs*2+,+++-. i*e (2+6 of Rs* 1++,+++-.is ineste" eery year in lass i*e in =I <on"s-State ot <on"s
2H(s$&(+) GOI &!*s )"# )* )! )"#)9# #$3! &' 84 GOI 10Y &!* - 1<<8-;01;
3 06 om!oun" Interest is ta7en on t&e assum!tion t&at
SOURCE
&tt!;--888*bloomberg*om-uote-I$1+GR;I$
RETURNS ON GCLASS I!"#s$%#!$s (! GOI &!*s/S$)$# G&"$ &!*s
0*+++6 0*'+26 *4##6 1+*2#6 11*2++6 12*1026 13*2516 14*4146
 Y#) I!"#s$%#!$ 1 ; 6 5 7 8
1 2+,+++ 1,#++ 1,'4+ 1,03 2,+5 2,24+ 2,43# 2,#5+ 2,003
2 2+,+++ 1,#++ 1,'4+ 1,03 2,+5 2,24+ 2,43# 2,#5+
3 2+,+++ 1,#++ 1,'4+ 1,03 2,+5 2,24+ 2,43#
4 2+,+++ 1,#++ 1,'4+ 1,03 2,+5 2,24+
5 2+,+++ 1,#++ 1,'4+ 1,03 2,+5
# 2+,+++ 1,#++ 1,'4+ 1,03
' 2+,+++ 1,#++ 1,'4+
0 2+,+++ 1,#++
1+ 2+,+++
11 2+,+++
12 2+,+++
13 2+,+++
14 2+,+++
15 2+,+++
00,000 1,00 ,60 5,;6 7,;< <,5 11,<< 16,1< 17,50;
RETURNS ON CCLASS I!"#s$%#!$s (! F(=#* I!+&%# S#+3($(#s &$# $)! G&"$ S#+3($(#s
Ass3%>$(&!s
1 Rs* 3+,+++ is ineste" eery year in F in S&e"ule" <an7s
2 Rate of Interest is as !er !reailing rates i*e *256 for =r"inary iti@en an" *'56 for Senior iti@en
3 S(!+# I$ (s +&%>&3!*#* #"# 3)$# ##+$("# (!$##s$ )$# ( 2# <.5754 +&%>&3!*#* ># )!!3%
RETURNS ON CCLASS I!"#s$%#!$s (! F(=#* I!+&%# S#+3($(#s &$# $)! G&"$ S#+3($(#s
*5'56 1+*426 11*4#6 12*5'6 13*0+36
 Y#) I!"#s$%#!$ 1 ; 6 5 T&$) S$)$3s
1 3+,+++ 2,0'3 3,140 3,44 3,'' 4,141 1',30 # 9ature"
2 3+,+++ 2,0'3 3,140 3,44 3,'' 4,141 1',30 ' 9ature"
3 3+,+++ 2,0'3 3,140 3,44 3,'' 4,141 1',30 0 9ature"
4 3+,+++ 2,0'3 3,140 3,44 3,'' 4,141 1',30 9ature"
5 3+,+++ 2,0'3 3,140 3,44 3,'' 4,141 1',30 1+ 9ature"
# '2,1'2 #,11 ',5'2 0,2' ,+2 ,#2 41,034 11 9ature"
' '2,1'2 #,11 ',5'2 0,2' ,+2 ,#2 41,034 12 9ature"
0 '2,1'2 #,11 ',5'2 0,2' ,+2 ,#2 41,034 13 9ature"
'2,1'2 #,11 ',5'2 0,2' ,+2 ,#2 41,034 14 9ature"
1+ '2,1'2 #,11 ',5'2 0,2' ,+2 ,#2 41,034 15 9ature"
11 131,45# 12,50' 13,'2 15,113 1#,5#+ 10,145 '#,1' 1# 9ature"
12 131,45# 12,50' 13,'2 15,113 1#,5#+ 10,145 '#,1' 1' Running
13 131,45# 12,50' 13,'2 15,113 1#,5#+ 10,145 '#,1' 10 Running
14 131,45# 12,50' 13,'2 15,113 1#,5#+ 10,145 '#,1' 1Running
15 131,45# 12,50' 13,'2 15,113 1#,5#+ 10,145 '#,1' 2+ Running
1,18,16; 111,850 1;;,55< 16,;<6 167,15 11,;6 77,0<<
S3%%) )s ) #s3$ &' I!"#s$%#!$ (! NPS
1mount of %ealt& in &an" after 15 years
a) In KEK lass 1,+#,+5'
b) In KK lass 50,#34
) In KK lass 04,12'
,5,818
D(s)*")!$)9#s
1 It is a Pension S&eme an" as su& it is not liui"* =ne annot 8it&"ra8 &is fun"s as an" one &e !leases*
2 5+6 of t&e fun"s go into euity Inestments an" one annot aurately !re"it t&e be&aior of t&e sto7 mar7et
3 T&e returns are "e!en"ant on &o8 8ell t&e Fun" 9anagers &an"le your saings*
4 T&e or!us aumalate" till "ate is ery lo8 an" t&e s&eme &as not beome ery !o!ular
VI (s)! V(B)s P)$) .V.P
R#(!"#s$%#!$ #)
F#)$3#s
1 It is a Saings S&eme intro"ue" by ot of In"ia
2 It "oubles t&e money ineste" in 0 years an" ' mont&s
3 It is aailable in Post o?es t&roug&out t&e ountry an" any iti@en of In"ia an inest in it
4 It an be enas&e" after 2*5 years from t&e "ate of !ur&ase along 8it& Ineste" amount an" arue" interest for t&e !erio"
5 It is $=T only for farmers* It means t&at t&e reenue mobilise" 8ill be use" for t&e 8elfare s&emes for farmers
# a"ult iti@en an buy LP eit&er in &is o8n name or in t&e name of &is minor &il" or Mointly 8it& anot&er a"ult
' 9inimum Inestment is Rs* 1++-.* T&ere is no u!!er limit
0 Interest rue" on LP is fully taxable
$o TS at t&e time of reei!t of Interest on maturity
1+ T# I!$##s$ )$# &! VP (s 8.604 +&%>&3!*#* )!!3)
11 0+ beneCt is not aailable for LP
SOURCE
2 1+0 110
3 110 1+ 12'
4 12' 11 130
5 130 12 15+
# 15+ 13 1#2
' 1#2 14 1'#
0 years ' mont&s 11 2++
STATEMENT SHOWING INTEREST EARNED ON ISAN VIAS PATRA
0*4++6 *1+#6 *0'+6 1+*'++6 11*506 12*5'36 13*#26 14*''46
 Y#) I!"#s$%#!$ 1 ; 6 5 7 8
1 1++,+++ 0,4++ ,1+# ,0'+ 1+,'++ 11,50 12,5'3 13,#2 14,''4
2 1++,+++ 0,4++ ,1+# ,0'+ 1+,'++ 11,50 12,5'3 13,#2
3 1++,+++ 0,4++ ,1+# ,0'+ 1+,'++ 11,50 12,5'3
4 1++,+++ 0,4++ ,1+# ,0'+ 1+,'++ 11,50
5 1++,+++ 0,4++ ,1+# ,0'+ 1+,'++
# 1++,+++ 0,4++ ,1+# ,0'+
A++3%))$#* ))!+#
1+ 1++,+++
11 1++,+++
12 1++,+++
13 1++,+++
14 1++,+++
15 1++,+++
1,500,000 8,600 17,50 ;7,7 8,07 6<,76 ;,;67 75,875 <0,6<
S3%%) )$ $# E!* &' 15 #)s
2rue" Interest on LP 1,53#,54'
3 Tax Saings till "ateN NIL
4 Tax on Interest Inome till ate 4#+,#4
N 0+ e"ution is not aailable to LP : Interest Inome is fully taxable
VII I!"#s$%#!$ (! G&* F#)$3#s
1ssume" t&at Rs* 1++,+++-. is s!ent for <uying ol" eery year
2 T&e rate for ol" is ta7en for 24 arat gol" !er gram at t&e beginning of t&e year
3s !re"iting t&e future gol" !ries is "i?ult, t&e tren" seen in t&e !ast 15 years is onsi"ere"
SOURCE
&tt!;--gol"!rienet8or7*om-gol".!rie.&istory-Oountryi"3#0:mm+1:yy10
SLN& Y#) G&$ (! 4 1 ; 6 5
3##*#' 33*4# 34*+1 4+#*'0 432*#4 531*'0
1 10 3##*#' . 1++,+++*++ 1+',3+#*3+ 1+',45#*3+ 11+,30* 11',1*#5 145,+2*5
2 1 33*4# '*316 1++,+++*++ 1++,13*' 1+3,305*35 1+,5'*01 135,154*'0
3 2+++ 34*+1 +*146 1++,+++*++ 1+3,241*+3 1+,0+4*32 134,##*12
4 2++1 4+#*'0 3*246 1++,+++*++ 1+#,35'*24 13+,'2*14
5 2++2 432*#4 #*3#6 1++,+++*++ 122,15*13
# 2++3 531*'0 22*26 1++,+++*++
' 2++4 #11*4# 14*06
0 2++5 5'*# .2*216
2++# #'3*2 12*#+6
1+ 2++' 11*+0 35*326
11 2++0 1,+'3*1# 1'*'6
12 2++ 1,3#*+ 3+*+6
13 2+1+ 1,#0+*0 2+*416
G&* P(+#s )$ #) 2#9(!!(!9 ># G)%
'& ;6 +))$
15 2+12 2,#'+*53 31*526
100,000 ;07,0 07,5< 617,55 566,111 78,7<5
S3%%) )$ $# E!* &' 15 #)s
D(s)*")!$)9#s
1 T&ere an be no tax Saings for Inestment in ol" as t&ere is no 0+ beneCt
2 It is a stagnant asset an" t&ere 8ill be no aruals in t&e form of Interest
3 Sine gol" is a a!ital asset, it attrats a!ital gains tax 8&en it is "is!ose" oH 
4ol" !ries are &ig&ly un!re"itable an" as su& inestment in gol" may not be luratie if t&e !ries go "o8n
VIII S#!(& C($(#! S)"(!9s S+#%# SCSS
F#)$3#s
1 Senior iti@ens Saings S&eme is a "e!osit s&eme s!eially meant for el"erly iti@ens
2 Inestment an be ma"e by only t&ose 8&o are aboe #+ years or 55 years in ase of RS* efene Peo!le an inest at any age
3 =nly Resi"ent In"ii"uals an inest* $RI (non resi"ent In"ians), PI= (!ersons of In"ian =rigin) an" >/F annot inest
4 T&e Senior iti@enQs Saings S&eme &as a maturity of 5 years, 8&i& is exten"able by 3 years*
5 I!$##s$ )$# (s <4 ># )!!3%
# T# (!$##s$ (s +&%>3$#* )!* >)(* &3$ #"# 3)$#. T)$ (s, $# (!$##s$ (s >)(* &3$ #"# $## %&!$s.
' 0+ beneCt is aailable for Inestments ma"e but Interest earne" is taxable : TS is also a!!liable
0 9inimum Inestment Is Rs* 1+++ : maximim is Rs* 15,++,+++-.* n" inestment an be ma"e in multi!les of 1+++
ount an be o!ene" Mointly 8it& S!ouse
1+ T&e SSS is ba7e" by t&e oernment of In"ia
11 Senior iti@en Saings S&eme aount an be o!ene" at any "esignate" !ost o?e t&roug&out t&e ountry*
Ass3%>$(&!s
1 Rs* 1++,+++-. is ineste" eery year in SSS
2 <4 (!$##s$ >)(* &3$ #"# 3)$# #3)s <.084 +&%>&3!*#* )!!3) )ss3%(!9 $# (!$##s$ )%&3!$ (s #(!"#s$#*
TALE SHOWING INVESTMENT IN SENIOR CITIJEN SAVINGS SCHEME
*3+06 1+*1'46 11*1216 12*15'6 13*2006
 Y#) I!"#s$%#!$ 1 ; 6 5 T&$) S$)$3s
1 1++,+++ ,3+0 1+,1'4 11,121 12,15' 13,200 5#,+4 # 9ature"
2 1++,+++ ,3+0 1+,1'4 11,121 12,15' 13,200 5#,+4 ' 9ature"
3 1++,+++ ,3+0 1+,1'4 11,121 12,15' 13,200 5#,+4 0 9ature"
4 1++,+++ ,3+0 1+,1'4 11,121 12,15' 13,200 5#,+4 9ature"
R#(!"#s$%#!$ #)
5 1++,+++ ,3+0 1+,1'4 11,121 12,15' 13,200 5#,+4 1+ 9ature"
# 23,234 22,2#0 24,341 2#,#+# 2,+03 31,'+ 134,+0' 11 9ature"
' 23,234 22,2#0 24,341 2#,#+# 2,+03 31,'+ 134,+0' 12 9ature"
0 23,234 22,2#0 24,341 2#,#+# 2,+03 31,'+ 134,+0' 13 9ature"
23,234 22,2#0 24,341 2#,#+# 2,+03 31,'+ 134,+0' 14 9ature"
1+ 23,234 22,2#0 24,341 2#,#+# 2,+03 31,'+ 134,+0' 15 9ature"
11 433,+5 4+,312 44,+#5 40,1## 52,#5+ 5',55+ 242,'43 1# 9ature"
12 433,+5 4+,312 44,+#5 40,1## 52,#5+ 5',55+ 242,'43 1' Running
13 433,+5 4+,312 44,+#5 40,1## 52,#5+ 5',55+ 242,'43 10 Running
14 433,+5 4+,312 44,+#5 40,1## 52,#5+ 5',55+ 242,'43 1Running
15 433,+5 4+,312 44,+#5 40,1## 52,#5+ 5',55+ 242,'43 2+ Running
,81,65 5<,66; <;,8<< 6;<,670 6<,665 51,161 ;,16,<
S3%%) )$ $# E!* &' 15 #)s
Inestment at &an"; /nmature" SSS (Gear 12 to 15) 1,'32,30+
Proee"s in <an7 of 9ature" SSS of year 11 yet to be Reineste" #+3,+15
rue" Interest on SSS till "ate (/nmature". 9ar7e" reen) 442,42'
 Tax Saings till "ate 45+,+++
 Total Interest Earne" till "ate (9ar7e" in Gello8) 1,13,422
Interest yet to rue 520,54'
&tt!;--888*raagam"att*om-all.you.8ante".to.7no8.about.senior.iti@en.saings.s&eme.sss
IX C&%>)! D#>&s($s
&tt!;--888*moneyontrol*om-Cxe".inome-om!any."e!osits-s&riram.trans!ort.Cnane.s&riram.unnati.rates.ST+1*&tml
F#)$3#s
1 T&ese "e!osits are om!letely unseure"
2 T&e !erio" aries from less t&an 1 year to more t&an 5 years
3 Interest Rate on t&ese "e!osits aries from om!any to om!any
4 Interest on t&ese "e!osits is om!letely taxable
5 0+ beneCt is not aailable on t&ese "e!osits
Ass3%>$(&!s
1 I!$##s$ )$# &! &!# &' $# *#>&s($ B#>$ '& 6 #)s (s 10.64 >)
2 Interest is om!oun"e" uarterly
 T&e "e!osit !lae" by inestors 8it& om!anies for a Cxe" term arrying a !resribe" rate of interest is alle" om!any Fixe" e!osit* Finanial institutions an" $on.<an7ing Finane om!anies ($<Fs) also ae!t su& "e!osits* e!osits t&us mobilise" are goerne" by t&e C&%>)!(#s A+$ 3!*# S#+$(&! 58A* T&ese "e!osits are 3!s#+3#*, i*e*, if t&e om!any "efaults, t&e inestor annot sell t&e "ouments to reoer &is a!ital, t&us ma7ing t&em a ris7y inestment o!tion*
3E#+$("# )$# &' I!$##s$ ># )!!3% +&%#s $& 10.7684
1+*'406 11*+36 13*1036 14*56
 Y#) I!"#s$%#!$ 1 ; 6 T&$) S$)$3s
1 1++,+++ 1+,'40 11,+3 13,103 14,5 5+,433 5 9ature" 15+,433
2 1++,+++ 1+,'40 11,+3 13,103 14,5 5+,433 # 9ature" 15+,433
3 1++,+++ 1+,'40 11,+3 13,103 14,5 5+,433 ' 9ature" 15+,433
4 1++,+++ 1+,'40 11,+3 13,103 14,5 5+,433 0 9ature" 15+,433
5 235,3+3 25,2+ 20,++ 31,+1 34,353 110,#'1 9ature" 353,'4
# 235,3+3 25,2+ 20,++ 31,+1 34,353 110,#'1 1+ 9ature" 353,'4
' 235,3+3 25,2+ 20,++ 31,+1 34,353 110,#'1 11 9ature" 353,'4
0 235,3+3 25,2+ 20,++ 31,+1 34,353 110,#'1 12 9ature" 353,'4
410,3'3 44,#' 4,0++ 55,152 #1,+0+ 21+, 13 9ature" #2,3'1
1+ 410,3'3 44,#' 4,0++ 55,152 #1,+0+ 21+, 14 9ature" #2,3'1
11 410,3'3 44,#' 4,0++ 55,152 #1,+0+ 21+, 15 9ature" #2,3'1
12 410,3'3 44,#' 4,0++ 55,152 #1,+0+ 21+, 1# 9ature" #2,3'1
13 ###,+'2 '1,50 ',204 0',0+5 ',243 335,21 1' Running
14 ###,+'2 '1,50 ',204 0',0+5 ',243 335,21 10 Running
15 ###,+'2 '1,50 ',204 0',0+5 ',243 335,21 1Running
5,01;,<1< 58,78< 5<,<8 0,81 71,857 ;,5;8,176 6,55,116
S3%%) )$ $# E!* &' 15 #)s
Inestment at &an"; /nmature" om!any Fs (Gear 13 to 15) 1,0,215
Proee"s in <an7 of 9ature" o* Fs of year 12 yet to be Reineste" 5##,+'2
rue" Interest on .Fs till "ate (9ar7e" Gello8) 4#1,141
 Tax Saings till "ate +
 Total Interest Earne" till "ate (9ar7e" in =range) 1,52+,41+
Interest yet to rue (9ar7e" in reen) 54#,#22
X D#>&s($ W($ N)$(&!) H&3s(!9 )!B  F#)$3#s
1 $ational >ousing <an7 is 8&olly o8ne" by t&e R<I
2NH SUVRIDDHI T)= S)"(!9 T#% D#>&s($ S+#%# '#$+#s (!$##s$ &' <.;54 >) +&%>&3!*#* 3)$#
3 T&e "uration of t&e "e!osit is #+ mont&s an" t&e eHetie Interest rate !*a 8or7s out to be *5'56
4 9inimum of Rs* 1+,+++ an" &ig&er in multi!les t&ereof u! to maximum of Rs* 1,++,+++-. !er Cnanial year*
5 In"ii"uals an" >/F an "e!osit
# 0+ beneCt is aailable for inestments in $>< e!osit
' Interest on $>< "e!osit is fully taxable an" TS is a!!liable /-s 14 of t&e Inome tax at
S=/RE
&tt!;--n&b*org*in-e!ositS&eme-SIE$TFET/RES$><S/RI>I*!&!
*5'56 1+*426 11*4#6 12*5'6 13*0+36
R#(!"#s$%#!$ #)
 Y#) I!"#s$%#!$ 1 ; 6 5 T&$) S$)$3s
1 1++,+++ ,5'5 1+,42 11,4# 12,5' 13,0+3 5',#4 # 9ature"
2 1++,+++ ,5'5 1+,42 11,4# 12,5' 13,0+3 5',#4 ' 9ature"
3 1++,+++ ,5'5 1+,42 11,4# 12,5' 13,0+3 5',#4 0 9ature"
4 1++,+++ ,5'5 1+,42 11,4# 12,5' 13,0+3 5',#4 9ature"
5 1++,+++ ,5'5 1+,42 11,4# 12,5' 13,0+3 5',#4 1+ 9ature"
# 24+,5'5 23,+35 25,241 2',#5' 3+,3+# 33,2+' 13,44# 11 9ature"
' 24+,5'5 23,+35 25,241 2',#5' 3+,3+# 33,2+' 13,44# 12 9ature"
0 24+,5'5 23,+35 25,241 2',#5' 3+,3+# 33,2+' 13,44# 13 9ature"
24+,5'5 23,+35 25,241 2',#5' 3+,3+# 33,2+' 13,44# 14 9ature"
1+ 24+,5'5 23,+35 25,241 2',#5' 3+,3+# 33,2+' 13,44# 15 9ature"
11 430,10' 41,5# 45,'4 5+,3'# 55,1 #+,404 253,0 1# 9ature"
12 430,10' 41,5# 45,'4 5+,3'# 55,1 #+,404 253,0 1' Running
13 430,10' 41,5# 45,'4 5+,3'# 55,1 #+,404 253,0 10 Running
14 430,10' 41,5# 45,'4 5+,3'# 55,1 #+,404 253,0 1Running
15 430,10' 41,5# 45,'4 5+,3'# 55,1 #+,404 253,0 2+ Running
,8<,807 7;,8; 608,51 667,68 6<0,510 57,67 ;,;5,<<
S3%%) )$ $# E!* &' 15 #)s
1 Inestment at &an"; /nmature" F (Gear 12 to 15) 1,'52,'4'
2 Proee"s in <an7 of 9ature" F of year 11 yet to be Reineste" #15,'
3rue" Interest on F till "ate (/nmature". 9ar7e" yello8) 4#1,#'
4 Total Interest Earne" till "ate (9ar7e" in reen) 1,241,+30
5 Interest yet to rue 554,2#1
# Tax Saings till "ate 45+,+++
XI NAARD &!*s F#)$3#s
1 $<R stan"s for $ational <an7 for griulture an" Rural eelo!ment
2 T&ese <on"s ualify for exem!tion /-s 0+ of t&e Inome tax at
3 T# $#!3# &' $# &!*s )# 5 #)s '&% $# *)$# &' )&$%#!$. T# L&+B (! >#(&* (s 5 #)s
4 T&e fae alue of ea& <on" is 1+++-. an" t&e minimum inestment is 5 <on"s
5 Inestment an eit&er be &el" in !&ysial form or in "emat form*
# I!$##s$ )$# &! NAARD 2&!*s (s 8.;54 >) )!* '& S#!(& C($(#!s ($ (s 8.754 (.# 50 2>s (9#
' Interest on $<R bon"s is om!letely taxable 8&ereas inestment ma"e in $<R bon"s ualify for 0+ "e"ution
0 T# (!$##s$ &! NAARD 2&!*s (s !&$ +&%>&3!*#* $3s %)B(!9 ($ ) #ss >#'##* (!"#s$%#!$ )"#!3#
SOURCE
&tt!;--888*nabar"*org-!"f-Rural<on"sT*!"f 
&tt!;--888*nabar"*org-ne8sletter-ne8sletterMan+0*as!
0*25+6 0*316 *##'6 1+*4#56 11*3206
 Y#) I!"#s$%#!$ 1 ; 6 5 T&$) S$)$3s
R#(!"#s$%#!$ #)
R#(!"#s$%#!$ #)
1 1++,+++ 0,25+ 0,31 ,##' 1+,4#5 11,320 40,#41 # 9ature"
2 1++,+++ 0,25+ 0,31 ,##' 1+,4#5 11,320 40,#41 ' 9ature"
3 1++,+++ 0,25+ 0,31 ,##' 1+,4#5 11,320 40,#41 0 9ature"
4 1++,+++ 0,25+ 0,31 ,##' 1+,4#5 11,320 40,#41 9ature"
5 1++,+++ 0,25+ 0,31 ,##' 1+,4#5 11,320 40,#41 1+ 9ature"
# 234,+4 1,3+ 2+,+2 22,#2# 24,43 2#,514 113,044 11 9ature"
' 234,+4 1,3+ 2+,+2 22,#2# 24,43 2#,514 113,044 12 9ature"
0 234,+4 1,3+ 2+,+2 22,#2# 24,43 2#,514 113,044 13 9ature"
234,+4 1,3+ 2+,+2 22,#2# 24,43 2#,514 113,044 14 9ature"
1+ 234,+4 1,3+ 2+,+2 22,#2# 24,43 2#,514 113,044 15 9ature"
11 413,'4+ 34,134 3#,5+ 3,0 43,20 4#,0'+ 2+1,24 1# 9ature"
12 413,'4+ 34,134 3#,5+ 3,0 43,20 4#,0'+ 2+1,24 1' Running
13 413,'4+ 34,134 3#,5+ 3,0 43,20 4#,0'+ 2+1,24 10 Running
14 413,'4+ 34,134 3#,5+ 3,0 43,20 4#,0'+ 2+1,24 1Running
15 413,'4+ 34,134 3#,5+ 3,0 43,20 4#,0'+ 2+1,24 2+ Running
,78,<65 08,6 ,<11 1,65< <1,;7< 6;,50 1,818,7;
S3%%) )$ $# E!* &' 15 #)s
1 Inestment at &an"; /nmature" $<R <on"s (Gear 12 to 15) 1,#54,#+
2 Proee"s in <an7 of 9ature" $<R <on" of year 11 yet to be Reineste" 554,#14
3rue" Interest on <on"s till "ate (/nmature". 9ar7e" yello8) 3'+,#'#
4 Total Interest Earne" till "ate (9ar7e" in reen) 1,+13,#''
5 Interest yet to rue 434,310
# Tax Saings till "ate 45+,+++
XII H&3s(!9 L&)!
F#)$3#s
1 T# P#")((!9 I!$##s$ R)$# &! H&3s(!9 L&)! (s 10.64 >)
2 If Rs* 1++,+++-. oul" be ineste" ea& year i*e !ay an E9I of 8, Per mont&, t&en 8e &ae to see t&e alue of 
t&e >ouse after 15 years to "ei"e 8&et&er it Is a 8ort&8&ile Inestment
3 O$# +&!s(*#)$(&!s )s& 9&"#!s $(s (!"#s$%#!$ (B# $# S#+3($ +&%'&$ &' &!(!9 &3 &! H&3s#
4 T&e Total ost of t&is &ouse oer a !erio" of 15 years is Rs* 15,++,+++-. i*e E9Is of 0,333-. 8as !ai" eery mont& for 10+ mont&s i*e 15 years
5 >o8eer 8&en t&e &ouse 8as Crst !ur&ase" t&e alue of t&e &ouse 8as Rs* '50,+2 i*e eual to t&e oan borro8e"
# %e 8ill &ae to see t&e alue of t&e >ouse after a !erio" of 15 years*
METHODOLOGY TO ESTIMATE HOUSING PRICES AFTER 15 YEARS
1 N)$(&!) H&3s(!9 )!B )s +&%# 3> ($ )! (!*#= $& ")3# $# >(+#s &' >&>#$(#s. I$ (s +)#* $# NH R#s(*#=
2 It onsi"ers t&e atual moement of !ries of Resi"ential !ro!erties in 15 ities
3 %e 8ill onsi"er t&is as a base for aluation of our &ouse !ro!erty
4 L#$s )ss3%# $)$ $# >&>#$ (s (! D#(
a) L&)! A%&3!$ 758,0<; TALE SHOWING THE PRICE OF
b) P#+#!$)9# I!$##s$ 1+*4+6
V)3# &' $# H&3s# *3(!9 P3+
SL N& EMI I!$##s$ P(!+(>) L&)! ))!+# SL.N& Y#)
758,0<; 2++'
1 0,333 #,5'+ 1,'#3 '5#,32 1,'1 52 Ban.Bune 2++0 2++0
2 0,333 #,555 1,''0 '54,551 1,## 533 Ban.Bune 2++ 2++
3 0,333 #,53 1,'4 '52,'50 1,#2 530 Ban.9ar& 2+1+ 2+1+
4 0,333 #,524 1,0+ '5+,40 1,5' 543 Ban.9ar& 2+11 2+11
5 0,333 #,5+0 1,025 '4,124 1,52 54' 1 2+12
# 0,333 #,42 1,041 '4',203 1,40 552 2 2+13
' 0,333 #,4'# 1,05' '45,42' 1,43 55' 3 2+14
0 0,333 #,4#+ 1,0'3 '43,554 1,30 5#2 4 2+15
0,333 #,444 1,00 '41,##5 1,33 5#' 5 2+1#
1+ 0,333 #,420 1,+5 '3,'#+ 1,20 5'2 # 2+1'
11 0,333 #,411 1,22 '3',030 1,23 5'' ' 2+10
12 0,333 #,35 1,30 '35,++ 1,10 502 0 2+1
13 0,333 #,3'0 1,55 '33,44 1,13 50' 2+2+
14 0,333 #,3#1 1,'2 '31,'2 1,+0 52 1+ 2+21
15 0,333 #,344 1,0 '2,03 1,+3 5' 11 2+22
1# 0,333 #,32' 2,++# '2','' 1,00 #+2 12 2+23
1' 0,333 #,3+ 2,+24 '25,53 1,03 #+' 13 2+24
10 0,333 #,22 2,+41 '23,11 1,00' #12 14 2+25
1 0,333 #,2'4 2,+5 '21,052 1,002 #10 15 ;0;
2+ 0,333 #,25# 2,+'' '1,''5 1,0'' #23
21 0,333 #,230 2,+5 '1',#0+ 1,0'1 #20
22 0,333 #,22+ 2,113 '15,5#' 1,0## #34
23 0,333 #,2+2 2,131 '13,43# 1,0#+ #3
24 0,333 #,103 2,15+ '11,20# 1,055 #45
25 0,333 #,1#4 2,1# '+,11' 1,04 #51
2# 0,333 #,14# 2,10' '+#,3+ 1,044 #5#
2' 0,333 #,12' 2,2+# '+4,'24 1,030 ##2
20 0,333 #,1+0 2,225 '+2,40 1,032 ##0
2 0,333 #,+00 2,245 '++,254 1,02# #'3
3+ 0,333 #,+# 2,2#4 #',+ 1,021 #'
31 0,333 #,+4 2,204 #5,'+# 1,015 #05
32 0,333 #,+2 2,3+4 #3,4+2 1,0+ #1
33 0,333 #,++ 2,324 #1,+' 1,0+3 #'
34 0,333 5,0 2,344 #00,'35 1,'' '+3
35 0,333 5,# 2,3#4 #0#,3'1 1,'1 '+
3# 0,333 5,4 2,304 #03,0' 1,'05 '15
3' 0,333 5,20 2,4+5 #01,502 1,''0 '22
30 0,333 5,+' 2,42# #',15# 1,''2 '20
T)= S)"(!9s &! I!$##s$
4+ 0,333 5,0#5 2,4#0 #'4,24+ 1,'5 '4+
41 0,333 5,043 2,4+ #'1,'51 1,'53 '4'
42 0,333 5,022 2,511 ##,24+ 1,'4' '53
43 0,333 5,0++ 2,533 ###,'+' 1,'4+ '#+
44 0,333 5,''0 2,555 ##4,152 1,'33 '##
45 0,333 5,'5# 2,5'' ##1,5'5 1,'2' ''3
4# 0,333 5,'34 2,5 #50,'5 1,'2+ '0+
4' 0,333 5,'11 2,#22 #5#,354 1,'13 '0'
40 0,333 5,#00 2,#45 #53,'+ 1,'+' '3
4 0,333 5,##5 2,##0 #51,+41 1,'++ 0++
5+ 0,333 5,#42 2,#1 #40,351 1,#3 0+'
51 0,333 5,#1 2,'14 #45,#3' 1,#0# 014
52 0,333 5,5# 2,'3' #42,0 1,#' 021
53 0,333 5,5'2 2,'#1 #4+,130 1,#'2 020
54 0,333 5,540 2,'05 #3',353 1,##4 03#
55 0,333 5,524 2,0+ #34,544 1,#5' 043
5# 0,333 5,4 2,034 #31,'1+ 1,#5+ 05+
5' 0,333 5,4'5 2,050 #20,052 1,#42 05'
50 0,333 5,45+ 2,003 #25,# 1,#35 0#5
5 0,333 5,425 2,+0 #23,+#1 1,#20 0'2
#+ 0,333 5,4++ 2,33 #2+,120 1,#2+ 00+
#1 0,333 5,3'4 2,5 #1',1# 1,#12 000
#2 0,333 5,34 2,04 #14,105 1,#+5 05
#3 0,333 5,323 3,+1+ #11,1'5 1,5' +3
#4 0,333 5,2' 3,+3# #+0,13 1,50 11
#5 0,333 5,2'1 3,+#2 #+5,+'' 1,501 1
## 0,333 5,244 3,+0 #+1,00 1,5'3 2'
#' 0,333 5,21' 3,11# 50,0'2 1,5#5 35
#0 0,333 5,1+ 3,143 55,'2 1,55' 43
# 0,333 5,1#3 3,1'+ 52,55 1,54 51
'+ 0,333 5,13# 3,1' 50,3#1 1,541 5
'1 0,333 5,1+0 3,225 50#,13# 1,532 #0
'2 0,333 5,+0+ 3,253 502,003 1,524 '#
'3 0,333 5,+52 3,201 5',#+2 1,515 04
'4 0,333 5,+23 3,31+ 5'#,22 1,5+' 3
'5 0,333 4,5 3,330 5'2,54 1,40 1,++2
'# 0,333 4,## 3,3#' 5#,50# 1,4+ 1,+1+
'' 0,333 4,3# 3,3' 5##,1+ 1,401 1,+1
'0 0,333 4,+' 3,42# 5#2,'#3 1,4'2 1,+20
' 0,333 4,0'' 3,45# 55,3+0 1,4#3 1,+3'
0+ 0,333 4,04' 3,40# 555,022 1,454 1,+4#
01 0,333 4,01' 3,51# 552,3+# 1,445 1,+55
02 0,333 4,'0' 3,54# 540,'#+ 1,43# 1,+#4
03 0,333 4,'5# 3,5'' 545,103 1,42' 1,+'3
04 0,333 4,'25 3,#+0 541,5'5 1,41' 1,+02
05 0,333 4,#4 3,#3 53',35 1,4+0 1,+2
0# 0,333 4,##2 3,#'1 534,2#4 1,3 1,1+1
0' 0,333 4,#3+ 3,'+3 53+,5#2 1,30 1,111
00 0,333 4,50 3,'35 52#,02' 1,3' 1,12+
0 0,333 4,5## 3,'#' 523,+#+ 1,3'+ 1,13+
+ 0,333 4,533 3,0++ 51,2#+ 1,3#+ 1,14+
1 0,333 4,5++ 3,033 515,42' 1,35+ 1,15+
2 0,333 4,4#' 3,0## 511,5#1 1,34+ 1,1#+
3 0,333 4,434 3,0 5+',##2 1,33+ 1,1'+
4 0,333 4,4++ 3,33 5+3,'2 1,32+ 1,10+
5 0,333 4,3## 3,#' 4,'#1 1,31+ 1,1+
# 0,333 4,331 4,++2 45,'5 1,2 1,2+1
' 0,333 4,2' 4,+3# 41,'23 1,20 1,211
0 0,333 4,2#2 4,+'1 40',#52 1,2'0 1,221
0,333 4,22# 4,1+' 403,545 1,2#0 1,232
1++ 0,333 4,11 4,142 4',4+3 1,25' 1,243
1+1 0,333 4,155 4,1'0 4'5,225 1,24# 1,253
1+2 0,333 4,11 4,214 4'1,+1+ 1,23# 1,2#4
1+3 0,333 4,+02 4,251 4##,'5 1,225 1,2'5
1+4 0,333 4,+45 4,200 4#2,4'1 1,214 1,20#
1+5 0,333 4,++0 4,325 450,14' 1,2+2 1,2'
1+# 0,333 3,'1 4,3#2 453,'04 1,11 1,3+
1+' 0,333 3,33 4,4++ 44,304 1,10+ 1,32+
1+0 0,333 3,05 4,430 444,4# 1,1#0 1,332
1+ 0,333 3,05# 4,4'' 44+,4# 1,15' 1,343
11+ 0,333 3,01' 4,51# 435,53 1,145 1,355
111 0,333 3,''0 4,555 431,30 1,133 1,3##
112 0,333 3,'3 4,54 42#,0+4 1,122 1,3'0
113 0,333 3,# 4,#34 422,1'+ 1,11+ 1,3+
114 0,333 3,#5 4,#'4 41',4# 1,+0 1,4+2
115 0,333 3,#10 4,'15 412,'01 1,+05 1,414
11# 0,333 3,5'' 4,'5# 4+0,+2# 1,+'3 1,42'
11' 0,333 3,53# 4,'' 4+3,22 1,+#1 1,43
110 0,333 3,45 4,030 30,31 1,+40 1,452
11 0,333 3,453 4,00+ 33,51+ 1,+3# 1,4#4
12+ 0,333 3,41+ 4,23 300,500 1,+23 1,4''
121 0,333 3,3#0 4,#5 303,#23 1,+1+ 1,4+
122 0,333 3,325 5,++0 3'0,#14 ' 1,5+2
123 0,333 3,201 5,+52 3'3,5#3 04 1,51#
124 0,333 3,230 5,+5 3#0,4#' '1 1,52
125 0,333 3,13 5,14+ 3#3,320 50 1,542
12# 0,333 3,14 5,104 350,143 45 1,555
12' 0,333 3,1+4 5,22 352,14 31 1,5#
120 0,333 3,+5 5,2'4 34',#4+ 10 1,502
12 0,333 3,+13 5,32+ 342,32+ +4 1,5#
13+ 0,333 2,#' 5,3## 33#,53 0+ 1,#1+
131 0,333 2,2+ 5,413 331,541 0'# 1,#24
132 0,333 2,0'3 5,4#+ 32#,+01 0#2 1,#30
133 0,333 2,02# 5,5+' 32+,5'4 040 1,#52
134 0,333 2,''0 5,555 315,+1 033 1,###
135 0,333 2,'3+ 5,#+3 3+,41' 01 1,#01
13# 0,333 2,#02 5,#51 3+3,'#5 0+4 1,#5
13' 0,333 2,#33 5,'++ 20,+#5 '+ 1,'1+
130 0,333 2,503 5,'5+ 22,315 ''5 1,'25
13 0,333 2,533 5,0++ 20#,515 '#+ 1,'4+
14+ 0,333 2,403 5,05+ 20+,### '45 1,'55
141 0,333 2,432 5,+1 2'4,'#5 '3+ 1,''+
142 0,333 2,301 5,52 2#0,013 '14 1,'0#
143 0,333 2,33+ #,++3 2#2,01+ # 1,0+1
144 0,333 2,2'0 #,+55 25#,'55 #03 1,01'
145 0,333 2,225 #,1+0 25+,#4' ##0 1,032
14# 0,333 2,1'2 #,1#1 244,40# #52 1,040
14' 0,333 2,11 #,214 230,2'2 #3# 1,0#4
140 0,333 2,+#5 #,2#0 232,++4 #2+ 1,00+
14 0,333 2,+11 #,322 225,#02 #+3 1,0'
15+ 0,333 1,5# #,3'' 21,3+5 50' 1,13
151 0,333 1,+1 #,432 212,0'2 5'+ 1,3+
152 0,333 1,045 #,400 2+#,304 553 1,4#
153 0,333 1,'0 #,544 1,04+ 53' 1,#3
154 0,333 1,'32 #,#+1 13,23 52+ 1,0+
155 0,333 1,#'5 #,#50 10#,501 5+2 1,'
15# 0,333 1,#1' #,'1# 1',0#5 405 2,+15
15' 0,333 1,55 #,''4 1'3,+1 4#0 2,+32
150 0,333 1,5++ #,033 1##,250 45+ 2,+5+
15 0,333 1,441 #,02 15,3## 432 2,+#0
1#+ 0,333 1,301 #,52 152,414 414 2,+0#
1#1 0,333 1,321 ',+12 145,4+2 3# 2,1+4
1#2 0,333 1,2#+ ',+'3 130,32 3'0 2,122
1#3 0,333 1,1 ',134 131,15 3#+ 2,14+
1#4 0,333 1,13' ',1# 123, 341 2,15
1#5 0,333 1,+'5 ',250 11#,'4+ 322 2,1'0
1## 0,333 1,+12 ',321 1+,41 3+4 2,1#
1#' 0,333 40 ',305 1+2,+34 204 2,215
1#0 0,333 004 ',44 4,50# 2#5 2,235
1# 0,333 02+ ',513 0',+'2 24# 2,254
1'+ 0,333 '55 ',5'0 ',44 22# 2,2'4
1'1 0,333 #0 ',#44 '1,05+ 2+' 2,23
1'2 0,333 #23 ','1+ #4,14+ 10' 2,313
1'3 0,333 55# ',''' 5#,3#3 1#' 2,333
1'4 0,333 400 ',045 40,510 14' 2,353
1'5 0,333 42+ ',13 4+,#+5 12# 2,3'4
1'# 0,333 352 ',01 32,#24 1+# 2,34
1'' 0,333 203 0,+5+ 24,5'4 05 2,415
1'0 0,333 213 0,12+ 1#,454 #4 2,43#
1' 0,333 143 0,1+ 0,2#4 43 2,45'
10+ 0,333 '2 0,2#1 2 21 2,4'0
TOTAL 1,500,000 761,<10 758,0<0 ;;;,555 ;;7,6;7
SOURCE
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&tt!;--timesoCn"ia*in"iatimes*om-business-in"ia.business-S<I.uts.interest.rates.on.&ome.ar.loans-artiles&o8-1531'425*msO
XIII L('# I!s3)!+#
F#)$3#s
;
F& &3 >3>&s#, I )"# +&s#! LICKs - (%) I A++&3!$
4 /n"er t&is s&eme, t&e sum assure" is 1+ times t&e nnualise" Premium
5 LIC (%) I A++&3!$ #)!s )! I!$##s$ )$# &' 4 >.)
# T&e maturity !erio" is ' years
' E=>#!s#s )!* C&%%(ss(&! +)9#s )# )s 3!*#
1st year 2n" : 3r" year T&ereafter
2'*5+6 '*5+6 5*++6
0 M&$)($ C)9#s ># Rs. 1000/- S3% Ass3#* E=+3*(!9 S#"(+# $)= 1;.4
A9# 2+ 3+ 4+ 5+
Rs 1*25 1*4# 2*5' #*5#
Ass3%>$(&!s
1ssume" t&at age of t&e Insure" is 3+ years
; T# s3% )ss3#* (s Rs. 1,000,000
3 T&e Poliy an be exten"e" for anot&er 0 years
SOURCE
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&tt!;--888*liin"ia*in-bimaaount1illustration*&tml
STATEMENT SHOWING INVESTMENT IN LIC IMA ACCOUNT I
SL.NO N#$ P#%3(% I!$##s$ 4 S3#!*# V)3# D#)$ #!#:$
'2,5++
1 1++,+++ 2'*5+6 2',5++ '2,5++ 1,#4+ 4,252 '5,112 1,+'5,112
2 1++,+++ '*5+6 ',5++ 2,5++ 1,#4+ ,50 1'5,3+ 1,1'5,3+
3 1++,+++ '*5+6 ',5++ 2,5++ 1,#4+ 1#,++' 202,'' 202,'' 1,202,''
4 1++,+++ 5*++6 5,+++ 5,+++ 1,#4+ 22,5# 30,'2' 30,'2' 1,30,'2'
5 1++,+++ 5*++6 5,+++ 5,+++ 1,#4+ 2,525 521,#12 521,#12 1,521,#12
# 1++,+++ 5*++6 5,+++ 5,+++ 1,#4+ 3#,00 #51,0'+ #51,0'+ 1,#51,0'+
V)(&3s O$# C&!s(*#)$(&!s )s& 9&"#! $(s (!"#s$%#!$, (B# s#+3($ )!* +&%>#!s)$(&! $& ')%( %#%2#s (! +)s# &' *#)$ &' )ss3#*
A!!3) P#%(3%
C&%%(ss(&! E=>#!s#s
R(sB P#%(3% M&$)($ C)9# - 1.6 ;.57 ># Rs.1000 S3% )ss3#*
))!+# (! )++&3!$
' 1++,+++ 5*++6 5,+++ 5,+++ 1,#4+ 44,'14 '0,44 '0,44 1,'0,44
0 1++,+++ 5*++6 5,+++ 5,+++ 1,#4+ 52,0 3#,3+2 3#,3+2 1,3#,3+2
1++,+++ 5*++6 5,+++ 5,+++ 1,#4+ #1,'0+ 1,+1,442 1,+1,442 2,+1,442
1+ 1++,+++ 5*++6 5,+++ 5,+++ 1,#4+ '1,+00 1,255,0+ 1,255,0+ 2,255,0+
11 1++,+++ 5*++6 5,+++ 5,+++ 2,000 0+,00+ 1,420,002 1,420,002 2,420,002
12 1++,+++ 5*++6 5,+++ 5,+++ 2,000 1,2#+ 1,#12,254 1,#12,254 2,#12,254
13 1++,+++ 5*++6 5,+++ 5,+++ 2,000 1+2,2#2 1,0+#,#20 1,0+#,#20 2,0+#,#20
14 1++,+++ 5*++6 5,+++ 5,+++ 2,000 113,24 2,+12,##4 2,+12,##4 3,+12,##4
15 1++,+++ 5*++6 5,+++ 5,+++ 2,000 12#,20' ;,;1,0 2,231,+#3 3,231,+#3
  1,500,000 10;,500 1,<7,500 0,860 86,60
XIV S)#s I!*#= F3!*s
F#)$3#s
1 Sine !re"iting t&e moement of S&are !ries are ery "i?ult, t&e !ast 15 years tren" of <SE is onsi"ere"
;T# SE SENSEX (s )! I!*#= (+ $)+Bs $# %&"#%#!$/+)!9# (! $# >(+#s &' 0 M)& 3#+(> +&%>)!(#s
3 In"ex Fun"s are 9utual Fun"s 8&i& inest in om!anies 8&i& ma7e u! t&e <SE In"ex* i*e t&e $ of t&ese fun"s moe
in t&e Exat Same "iretion as t&e <SE SE$SEJ
 TALE SHOWING RETURNS ON SHARES AND INDEX FUNDS
SLN& Y#) 1 ; 6 5 7
3,#4*#2 3,+#+*34 5,3'5*11 3,55*+0 3,24#*15 3,3+*12 5,15*4'
1 10 3,#4*#2 100,000.00 02,032*33 145,404*' 1+',+4*'1 0',0#1*54 1,'50*2 1#+,11+*30
2 1 3,+#+*34 100,000.00 1'5,#3'*#' 12,23#*#2 1+#,+'1*55 11+,''5*3 13,24*54
3 2+++ 5,3'5*11 100,000.00 '3,501*30 #+,32*25 #3,+'+*'1 11+,+53*++
4 2++1 3,55*+0 100,000.00 02,+'5*4# 05,'15*5 14,5##*30
5 2++2 3,24#*15 100,000.00 1+4,435*1+ 102,23+*33
# 2++3 3,3+*12 100,000.00 1'4,41*4#
' 2++4 5,15*4' 100,000.00
0 2++5 #,#'*2+
11 2++0 2+,3++*'1
12 2++ ,+3*4#
14 2+11 2+,5#1*+5
15 2+12 15,51'*2
100,000 18;,8; 6;1,1;; 60<,88 6,601 555,75 1,0<,76
END
W($$#! V(9!#s (3
SE SENSEX )$ #) 2#9(!!(!9
<SE SE$SEJ (losing Points)
DISCLAIMER T(s %)$#() (s !&$ %#)!$ $& 2# ) s32s$($3$# '& P&'#ss(&!) I!"#s$%#!$ A*"(s#. I$ )(%s $& >&"(*# ) 2)s(+ 3!*#s$)!*(!9 &' ")(&3s I!"#s$%#!$s )!
  RIOUS INVESTMENTS
  <,6 6,505,768 ;
  INTEREST THEREON IS FREE. EEE REGIME
S$)$3s
 Tax Saings on Interest
  ITH THE IDEA TO PROMOTE E MIDDLE CLASS
9ature" 3+,+++ 3',4'4
9ature" 3+,+++ 3',4'4
9ature" 3+,+++ 3',4'4
nning 3+,+++ 3',4'4
nning 3+,+++ 20,'#+
nning 3+,+++ 41,1+#
30+,+21 41,034 330,10' 3+,+++
R#(!"#s$%#!$ A%&3!$ 2#'&# $)=
T)= &! I!$##s$04
R#(!"#s$%#!$ A%&3!$ )'$# $)=
30+,+21 41,034 330,10' 3+,+++
30+,+21 41,034 330,10' 3+,+++
30+,+21 41,034 330,10' 3+,+++
30+,+21 41,034 330,10' 3+,+++
#2,1'# '#,1' #15,' 3+,+++
 Tax Saings
R#(!"#s$%#!$ A%&3!$ 2#'&# $)=
T)= &! I!$##s$04
R#(!"#s$%#!$ A%&3!$ )'$# $)=
3#+,22 3',1+0 323,103 3+,+++
3#+,22 3',1+0 323,103 3+,+++
3#+,22 3',1+0 323,103 3+,+++
3#+,22 3',1+0 323,103 3+,+++
3#+,22 3',1+0 323,103 3+,+++
#44,42' ##,3'3 5'0,+54 3+,+++
3+,+++
3+,+++
3+,+++
3+,+++
  (!*#= & NSE N('$ 50 (!*#=.
8 < 10 11 1; 1 16 15
#,#'*2+ ,3+*14 13,42*24 2+,3++*'1 ,+3*4# 1',550*'3 2+,5#1*+5 15,517.<;
+,3+*0 12',+'0*5# 100,#03*++ 2'4,'33*4+ 134,+25*42 23',#25*## 2'0,25#*#3 21+,++#*0
1+,125*13 153,41#*#1 22','0*+' 331,#'4*1+ 1#1,0+3*2# 20#,0'5*40 335,2'*54 253,532*#1
#2,13+*02 0',340*35 12,#2*#+ 100,03*5 2,123*32 1#3,333*#0 11,2#1*#' 144,34*'
04,430*24 110,'+*0# 1'#,25'*3' 25#,#4+*5 125,1*24 221,'#*3 25,32*1# 1#,1''*+'
1+2,0'0*' 144,#35*+3 214,'5+*4+ 312,#0*+3 152,541*#3 2'+,454*# 31#,#*+1 23,+2+*30
0,5+*' 130,42*'4 2+5,#3+*40 2,4+*+ 14#,+#3*5# 250,#*15 3+3,24*5 220,0#*''
  be 8it&"ra8n f oernment t exit t&e entire !ension
5#,455*3# ',3#*35 11',045*50 1'1,5+*++ 03,'+0*14 140,413*#5 1'3,'+*5+ 131,1#3*00
50,000.00 '+,23*+ 1+4,3'+*50 151,#*#2 '4,13#*5' 131,443*3# 153,10*51 11#,1##*+1
50,000.00 '4,230*'2 1+0,+5*0 52,'33*2 3,45*5' 1+,402*13 02,#20*0+
50,000.00 '2,0+2*+ 35,51#*+3 #2,#*54 '3,'3#*54 55,#5+*'4
50,000.00 24,31*1 43,24#*5 5+,#41*21 30,22+*14
50,000.00 00,#4*4' 1+3,0+'*41 '0,345*5
50,000.00 50,54*3' 44,100*#2
50,000.00 3','3#*21
50,000.00
5,<;< <<,66 1,68<,;58 ;,;18,66 1,1;,;6; ;,057,656 ;,65<,;5; 1,<0,057
15*#'6 1'*+556 10*5526 2+*1'6 21*5+6 23*0'#6 25*'26 I!$##s$
< 10 11 1; 1 16 15 TOTAL
3,13# 3,411 3,'1+ 4,+3# 4,3+ 4,''5 5,14 4#,155
2,003 3,13# 3,411 3,'1+ 4,+3# 4,3+ 4,''5 4+,#1
2,#5+ 2,003 3,13# 3,411 3,'1+ 4,+3# 4,3+ 3#,105
2,43# 2,#5+ 2,003 3,13# 3,411 3,'1+ 4,+3# 31,'5
2,24+ 2,43# 2,#5+ 2,003 3,13# 3,411 3,'1+ 2','#+
2,+5 2,24+ 2,43# 2,#5+ 2,003 3,13# 3,411 24,+4
1,03 2,+5 2,24+ 2,43# 2,#5+ 2,003 3,13# 2+,#30
1,'4+ 1,03 2,+5 2,24+ 2,43# 2,#5+ 2,003 1',5+2
1,#++ 1,'4+ 1,03 2,+5 2,24+ 2,43# 2,#5+ 14,#1
1,#++ 1,'4+ 1,03 2,+5 2,24+ 2,43# 11,#
1,#++ 1,'4+ 1,03 2,+5 2,24+ ,533
1,#++ 1,'4+ 1,03 2,+5 ',23
1,#++ 1,'4+ 1,03 5,234
1,#++ 1,'4+ 3,34+
1,#++ 1,#++
;0,8 ;6,06< ;7,70 1,7<5 ,185 60,<1 6,155 ;<8,6
4',30 5,21' 42,1'2 ,+++
4',30 5,21' 42,1'2 ,+++
4',30 5,21' 42,1'2 ,+++
4',30 5,21' 42,1'2 ,+++
4',30 5,21' 42,1'2 ,+++
3+,+++
3+,+++
3+,+++
3+,+++
T)= &! I!$##s$04
R#(!"#s$%#!$ A%&3!$ )'$# $)=
 Tax Saings on Inestment
1#*+156 1'*3#+6 10*0106 2+*36 22*1126 23*'+6 25*036 I!$##s$
< 10 11 1; 1 16 15 TOTAL
1#,+15 1',3#+ 10,010 2+,3 22,112 23,'+ 25,03 235,3+4
14,''4 1#,+15 1',3#+ 10,010 2+,3 22,112 23,'+ 2+,321
13,#2 14,''4 1#,+15 1',3#+ 10,010 2+,3 22,112 105,352
12,5'3 13,#2 14,''4 1#,+15 1',3#+ 10,010 2+,3 1#3,24+
11,50 12,5'3 13,#2 14,''4 1#,+15 1',3#+ 10,010 142,041
1+,'++ 11,50 12,5'3 13,#2 14,''4 1#,+15 1',3#+ 124,+23
,0'+ 1+,'++ 11,50 12,5'3 13,#2 14,''4 1#,+15 1+#,##3
,1+# ,0'+ 1+,'++ 11,50 12,5'3 13,#2 14,''4 +,#4
0,4++ ,1+# ,0'+ 1+,'++ 11,50 12,5'3 13,#2 '5,0'5
0,4++ ,1+# ,0'+ 1+,'++ 11,50 12,5'3 #2,24'
0,4++ ,1+# ,0'+ 1+,'++ 11,50 4,#'4
0,4++ ,1+# ,0'+ 1+,'++ 30,+'#
0,4++ ,1+# ,0'+ 2',3'#
0,4++ 0,4++
10, 1;6,0; 16;,861 1,;60 185,5; ;0<,;1 ;5,06 1,5,567
7 8 < 10 11 1; 1 16 15
#11*4# 5'*# #'3*2 11*+0 1,+'3*1# 1,3#*+ 1,#0+*0 2,+3+*53 2,#'+*53
1##,'#+*3+ 1#3,+'0*52 103,#22*00 240,4'4*1+ 22,#''*34 30+,'40*3# 450,444*2 553,''5*0' '20,31*'4
155,4+5*0 151,'4*' 1'1,12+*32 231,555*4 2'2,'4*45 354,023*0' 42',23+*21 51#,+'+*25 #'0,'2*'3
155,100*5 151,'#2*#5 1'+,001*45 231,232*'1 2'2,3#0*'2 354,320*5' 42#,#33*04 515,34*0# #'','02*2
15+,31'*12 14#,0*30 1#5,51#* 223,'3*#5 2#3,010*20 343,2+5*1' 413,24+*5' 4,1'1*54 #5#,5+4*'4
141,332*2 130,211*1 155,#23*#1 21+,50#*1' 240,+4*1 322,#+*2 300,54+*13 4#,334*'0 #1',2#3*'0
114,03*#4 112,445*++ 12#,#1+*#3 1'1,32#*4 2+1,0+5*2# 2#2,531*5+ 31#,1+4*4+ 301,03#*4' 5+2,10#*
1++,+++*++ ','2*1' 11+,111*0# 14,+++*'5 1'5,5+'*0+ 220,32+*'4 2'4,12*5+ 332,+'0*# 43#,'4#*40
1++,+++*++ 112,5'*03 152,3#4*'1 1',4'+*2+ 233,4'5*40 201,11*14 33,5'#*23 44#,#+#*0+
1++,+++*++ 135,31'*#2 15,3+*4# 2+',353*44 24,###*5# 3+1,503*2' 3#,#30*0
1++,+++*++ 11','0*00 153,234*#2 104,5+4*11 222,0'+*## 23,11#*#
1++,+++*++ 13+,+1*51 15#,#30*34 10,21+*3' 240,04'*33
1++,+++*++ 12+,4+#*20 145,444*+# 11,20#*30
1++,+++*++ 12+,'4*42 150,0#'*45
  RA IS AN INVESTMENT WHICH DOULES S AND 7 MONTHS
1++,+++*++ 131,510*0#
1++,+++*++
<8,<88 1,0;,; 1,;<,08 1,85,8; ;,;8,;7 ,070,806 ,7<7,661 6,87,0<7 ,;6,61
15#,+4 1#,015 13,234 3+,+++
15#,+4 1#,015 13,234 3+,+++
15#,+4 1#,015 13,234 3+,+++
15#,+4 1#,015 13,234 3+,+++
R#(!"#s$%#!$ A%&3!$ 2#'&# $)=
T)= &! I!$##s$04
R#(!"#s$%#!$ A%&3!$ )'$# $)=
15#,+4 1#,015 13,234 3+,+++
3'3,321 4+,22# 333,+5 3+,+++
3'3,321 4+,22# 333,+5 3+,+++
3'3,321 4+,22# 333,+5 3+,+++
3'3,321 4+,22# 333,+5 3+,+++
3'3,321 4+,22# 333,+5 3+,+++
#'5,030 '2,023 #+3,+15 3+,+++
3+,+++
3+,+++
3+,+++
3+,+++
15,13+ 135,3+3
15,13+ 135,3+3
15,13+ 135,3+3
15,13+ 135,3+3
35,#+1 310,3'3
35,#+1 310,3'3
35,#+1 310,3'3
35,#+1 310,3'3
#3,3++ 5##,+'2
#3,3++ 5##,+'2
#3,3++ 5##,+'2
#3,3++ 5##,+'2
30+,+21 41,034 330,10' 3+,+++
30+,+21 41,034 330,10' 3+,+++
30+,+21 41,034 330,10' 3+,+++
30+,+21 41,034 330,10' 3+,+++
30+,+21 41,034 330,10' 3+,+++
#2,1'# '#,1' #15,' 3+,+++
R#(!"#s$%#!$ A%&3!$ 2#'&# $)=
T)= &! I!$##s$04
R#(!"#s$%#!$ A%&3!$ )'$# $)=
R#(!"#s$%#!$ A%&3!$ 2#'&# $)=
T)= &! I!$##s$04
R#(!"#s$%#!$ A%&3!$ )'$# $)=
140,#41 14,52 134,+4 3+,+++
140,#41 14,52 134,+4 3+,+++
140,#41 14,52 134,+4 3+,+++
140,#41 14,52 134,+4 3+,+++
140,#41 14,52 134,+4 3+,+++
34',03 34,153 313,'4+ 3+,+++
34',03 34,153 313,'4+ 3+,+++
34',03 34,153 313,'4+ 3+,+++
34',03 34,153 313,'4+ 3+,+++
34',03 34,153 313,'4+ 3+,+++
#14,0 #+,3'5 554,#14 3+,+++
3+,+++
3+,+++
3+,+++
3+,+++
  OUSE PROPERTY AFTER 15 YEARS
  )s# 758,0<;
1++
12*126 2#4 1,1',21
12*126 2# 1,343,+0
12*126 332 1,5+5,040
12*126 3'2 1,#00,332
12*126 41' 1,02,2
12*126 4#0 2,122,32+
12*126 524 2,3',51+
12*126 500 2,##',0##
1;.1;4 8;8 ,70,050
V)3# &' $# H&3s#
8 < 10 11 1; 1 16 15
#,#'*2+ ,3+*14 13,42*24 2+,3++*'1 ,+3*4# 1',550*'3 2+,5#1*+5 15,517.<;
10+,'01*' 254,15'*13 3'',3##*+1 54,4##*' 2#0,+5+*04 4'5,251*31 55#,513*25 42+,+13*'
210,25+*2# 3+#,033*23 455,5'0*14 ##3,340*1 323,#+#*53 5'3,'5+*# #'1,055*+ 5+',+#5*23
124,2#1*#4 1'4,##*'+ 25,305*2+ 3'',#'*+ 104,24#*#5 32#,##'*3# 302,523*33 200,#*50
1#0,0'#*40 23',41*'2 352,514*'4 513,201*1 25+,30*4' 443,53*05 51,0#4*33 32,354*14
2+5,'5'*5 20,2'+*+# 42,5++*' #25,3'0*+# 3+5,+03*25 54+,+*30 #33,30*+3 4'0,+4+*'#
1',+1*5' 2'#,05*40 411,2#+*# 50,01*01 22,12'*12 51',30*3+ #+#,4*10 45','3*55
112,1+*'2 150,'30*'+ 235,#1*1# 343,10+*++ 1#',41#*20 2#,02'*3+ 34',501*++ 2#2,32'*'#
100,000.00 14+,50'*' 2+0,'41*1' 3+3,3*24 140,2'3*15 2#2,00#*'2 3+',03'*+2 232,332*+2
100,000.00 140,4''*45 21#,11*'' 1+5,4##*5 10#,1*14 210,#4*25 1#5,25'*#+
100,000.00 145,#+5*0+ '1,+32*+# 125,3*+ 14',4'3*+' 111,3+1*40
100,000.00 40,'03*01 0#,43*10 1+1,202*42 '#,44+*20
100,000.00 1'',20*4 2+',#14*01 15#,#1*+
100,000.00 11',+0*'3 00,3''*23
100,000.00 '5,4'2*41
100,000.00
1,07,858 1,<8,8< ;,<78,51 6,6,8<1 ;,;6,685 6,116,<08 6,<18,505 ,81;,116
  * #> $# I!"#s$&s (! %)B(!9 )! I!'&%#* *#+(s(&!