ArthaYantraFinancial Life Management Advisors

Mr. Abhishek Mathur & FamilyDecember-2016

LIFE TIME IMPACT ₹2,95,70,040 SAVINGS INCREASE ₹26,973

Emergency Fund ✓

Retirement ✓

Shreeya Higher Education ✓

Shreeya Marriage ✓

Emergency/Risk Coverage Medical Insurance ✓

Personal Accident ✓

Term Insurance ✓

Financial Planner

Kautabh Singh (CFP)

Fulfillment Specialist

Sneha Next Review

Jun-2017

3 Things You Should Continue 11 Things You Should Act On Now

1 Congratulations! Your Loans/Debt is at reasonable level! 1 Reduce Your Non-essential expenses to improve your savings by Rs.

96,638

2 You Invest in Mutual Funds! That's a good place to make more returns than Inflation! 2 Get Better Returns By Realigning Your Existing Insurances Impact

Rs.55,895

3 You have Pure Term Insurance Policies that gets You Optimal Coverage and lowest Cost. Congratulations!

3 Do Not Invest Your Money In Low Return Yielding Fd,Rds,Savings Accounts Potential Impact Rs. 1,35,838

4 Restructure Existing Loans To Save More Rs. 3,43,342

5 Realign Your Existing Portfolio To Get Good Returns At Much Lower Risk

6 Build An Emergency Fund of Rs. 3,00,000 for emergenecies and Keep it in Money Market to get Better Returns.

7 Buy Recommended Insurances to cover Yourself and Your Family from Uncertainities

8 Open Your Goal Enabler Mutual Fund Investment Account

9 Make One Time Investment in Your Custom Built LONG TERM MODERATE Portfolio to reach Your Goals!

10 Initiate Your Monthly Investments via SIP in your Custom Built Vs NIFTY Performance Portfolio

11 Review and Realign Your Financial Plan in 6 months

ARTHAYANTRA FINANCIAL PLANNING FRAMEWORK

1 Increase Your Cash Surplus 2 Invest It Right 3 Reach Your

Goals

✓ Reduce Unwanted Expenses

✓Free up Bad Financial Investment

✓ FD/RD Analysis ➟ ➟✓ Insurance Analysis

✓ Loan Analysis

✓ Tax Analysis

1

1 INCREASE YOUR CASH SURPLUS

✓ Reduce Unwanted Expenses

✓ Free up Incorrect Financial Investment

✓Savings Instruments Analysis

✓Insurance Analysis

✓Loan Analysis

✓MF/Equity Analysis

✓Tax Analysis

1.1

1.1 GET BETTER RETURNS BY REALIGNING YOUR EXISTING INSURANCES

Your Current Investment In Insurance ₹57,453 WHY ENDOWMENT/MONEYBACK/ULIP INSURANCES ARE A BAD BUY

1 Effective Returns Are Low: X Money Bank/Endow: Money doubles in 15 yrs, while Inflation reduces value to 1/3. Net Result: Negative Return

X ULIP Policies 1st 5 years ~6% is deducted as charges!. You Need to get 15%+ Returns just to save the premium

2 Coverage/Premium Ratio is too Low:X Endow/Money back: ~15-20X of annual premium

X ULIPs: ~10X of annual premium

X Pure Term:: ~75X of annual premium

Current Recommended

RETURN

₹10,37,613

₹7,56,000

IF YOU CONTINUE ARTHAYANTRA RECOMMENDATIONPOLICY

TYPE POLICY NAMEPREMIUM

TERM PREMIUM Value@Maturity/Cover

% NET RETURN

FUND VALUE

% NET RETURN NET GAIN

RECOMMENDATION

Endow Jeevan Anand 15 ₹7,818 ₹1,76,000 4.92% ₹2,60,724 9.47% ₹84,724 Surrender

Endow Jeevan Mitra 20 ₹10,567 ₹4,00,000 5.75% ₹5,72,786 8.77% ₹1,72,786 Surrender

Endow The Endowment Assurance Policy 10 ₹7,687 ₹1,80,000 5.56% ₹2,04,104 6.39% ₹24,104 Surrender

Pure Term increasing cover + accidental benefit 20 ₹15,333 ₹1,25,00,000 Continue

Pure Term Click 2 C 25 ₹16,048 ₹10,00,000 Continue

Monthly Cash Increase ₹1,532 Investable Surplus Increase ₹55,895

1.2

1.2 DO NOT INVEST YOUR MONEY IN LOW RETURN YIELDING FD,RDS,SAVINGS ACCOUNTS

RETURN COMPARISON MONEY MARKET VS SAVINGS/FD/RDWHY MONEY MARKET WINS ANYDAY!

INVESTED AMOUNT AY Recommendation

1. Higher Returns: Over 10 yrs ~50% more returns than Savings, FDs/ RDs.

2. Liquidity As Good As Savings! Encash within 12-24 hrs. No Locking or penality

3. Low Taxation: FD/RD/Savings ~31% tax/annum on interest! Money Market individual pays indexation adjusted capital gain tax of approximately 4-5%.

4. Low Risk: Money Market invests in Government bonds backed by Gov Of India.

₹1,00,000 SAVINGS FIXED DEPOSIT

RECURRING DEPOSIT

MONEY MARKET

AY PORTFOLIO

INVESTEMENT PERIOD IN YEARS 5 5 5 5 5PAYMENT FREQUENCY 1 1 12 1 1ANNUAL INTEREST RATE 3.5% 7.5% 7.5% 8.8% 12.0%INTEREST AMOUNT EARNED ₹19,034 ₹44,995 ₹13,271 ₹52,456 ₹76,234TAX (%) 20% 20% 20% 0.4% 0.0%TAX AMOUNT ₹3,807 ₹8,999 ₹2,654 ₹210 ₹0MATURITY AMOUNT AFTER TAX ₹1,15,227 ₹1,35,996 ₹1,10,617 ₹1,52,246 ₹1,76,234% RETURN AFTER TAX 2.9% 6.3% 2.0% 8.8% 12.0%INFLATION 7% 7% 7% 7% 7%

INFLATION ADJ RETURN -₹11,916 -₹2,960 -₹2,960 ₹9,141 ₹27,628

AY RECOMMENDS

Type InstituteInvested

Amnt Tenure ReturnTax Adj Return*

Recommendation Return Eff Return Net Gain

Other Sources ₹2,00,000 5 3.50% 2.80% Invest Now In AY Portfolio 12.00% 11.60% ₹1,22,856

PPF SBI ₹1,000 15 8.70% 8.70% Pay Min Amnt 0.00%

Fixed DepositCitizen bank Nahik ₹1,70,000 2 8.25% 6.60% Invest Now In AY Portfolio 12.00% 11.60% ₹12,361

Fixed DepositCosmos Bank ₹20,000 3 8.00% 6.40% Invest Now In Money Market 8.80% 8.44% ₹621

* Effective return post tax, penalty implications TOTAL GAIN ₹1,35,837

Monthly Cash Increase- Investable Surplus Increase ₹3,93,031

1.3 RESTRUCTURE EXISTING LOANS TO SAVE MORE

ArthaYantra Recommendation

Loan Type Outstanding Amount

Effective Interest

Rate

Remaining Tenure

Effective Opportunity

Rate*

Charges If Any*

Net Savings (Annual)

Net Savings (Tenure)

Recommendation

Home Loan ₹27,67,554 8.40% 200 7.4% ₹13,838 ₹19,255 ₹3,43,341 Refinance

Total ₹19,255 ₹3,43,341

*Values are approximate

Monthly Cash Increase ₹1,605 Investable Surplus Increase ₹0

1.4 REALIGN YOUR EXISTING PORTFOLIO TO GET GOOD RETURNS AT MUCH LOWER RISK

Mr. Abhishek Current Asset Allocation Long Term Moderate

Asset Type Allocation Large Cap 15%

Large Cap 40% Mid Cap 15%

Mid Cap 5% Index 25%

Small Cap 25% MidTerm Corp Bond 15%

GILT 10%

Commodities 5%

ShortTerm Corp Bond 15%

Performance Indicator ValueNo Instruments Amount 4% 1 Yr Return 15%

1 Equity 18% 3 Yr Return 22%

2 Mutual ₹7,74,203 14% 5 Yr Return 19%

Total ₹7,74,203 18.31% Riskiness 9.11%

-0.11 Sharpe 0.92

1.63 Sortino 1.34

* Asset Allocation Only for Mutual Fund that we were able to Classify 18.73 Alpha 7.99

1.08 Beta 0.48

WHY DIVERSIFICATION IS MORE IMPORTANT THAN STOCK/MF PICKING WHY WE DIRECTLY NOT INVEST IN EQUITY

Monthly Cash Increase ₹0 Investable Surplus Increase ₹7,74,203

1.5

1.5 TAX OPTIMIZATION

Linked

No Area Max LimitShortfall To

Cover Recommendation Where

1 Section 80 C ₹1,50,000 ₹15,000 Buy Term Insurance as per plan

2 Section 80 D ( Self) ₹25,000 ₹23,500 Buy Medical Insurance as per plan bimadirect.com

3 Section 80 D ( Parents) ₹30,000 ₹23,400 Buy Medical Insurance for Mother and Father bimadirect.com

4 Section 80 CCD ₹50,000 ₹50,000 Invest in NPS as per provided asset allocation arthayantra.com

5 Section 24 B ₹2,00,000 ₹0 Already Covered arthayantra.com

6 Section 80 E

Monthly Cash Increase ₹0 Investable Surplus Increase ₹22,380

1

1 SUMMARY : INCREASE YOUR CASH SURPLUS

Monthly Cash Increase

Investable Surplus Increase

Existing Monthly Savings ₹16,432

Reduce Unwanted Expenses ₹8,053

Free up Incorrect Financial Investment

Savings Instruments Analysis - ₹3,93,031

Insurance Analysis ₹1,532 ₹55,895

Loan Analysis ₹1,605 ₹0

Existing MF/Equity Analysis ₹0 ₹7,74,203

Tax Analysis ₹22,380

TOTAL Cash Freed Up ₹27,622 ₹12,45,510

Risk Management Investments✓ Emergency Fund ✓ Portfolio Creation

✓Insurances

Goals Fulfilment

2 RISK MANAGEMENT

1 Increase Your Cash Surplus 2 Invest It Right 3 Reach Your

Goals

✓ Reduce Unwanted Expenses

✓Free up Bad Financial Investment

✓ FD/RD Analysis

➟ ➟✓ Insurance Analysis

✓ Loan Analysis

✓ Tax Analysis

2.1 Secure Your Present: Build An Emergency Fund, Buy Pure Term Coverage, Health Insurance and Critical Illness

1 Emergency Fund Requirement90% of Indians are not equipped to handle emergency situations be it medical, personal or professional. ArthaYantra Recommends to keep 3- 6 months of Expense Requirement in liquid Money Market Fund so that a) its easily available and b) You earn reasonable 8-9% returns

Recommended Amount ₹3,00,000Recommended Fund ABC Floating Rate Fund Short Term Plan

Money Market Fund Comparison ChartFund Name 1 Yr Return Riskiness Sharpe Sortino

ABC Floating Rate Fund - STP 8.80% 0.53 3.53 3.99 AY Recommends

XYZTreasury Advantage Fund 8.52% 0.51 3.41 4.09

DEF treasury Advantage 7.80% 0.72 2.41 3.72

2 Insurance RequirementInsurance Type Insurance For

Recommended Coverage Tenure Covered Priority

Term Insurance Mr. Abhishek ₹3,00,00,000 25

Mrs Smithi

Wife of Mr. Kunal (ArthaYantra Customer)

3

3 INVEST IT RIGHT : PORTFOLIO CREATION

1 Increase Your Cash Surplus 2 Invest It Right 3 Reach Your

Goals

✓ Reduce Unwanted Expenses

✓Free up Bad Financial Investment

✓ FD/RD Analysis ➟ ➟✓ Insurance Analysis

✓ Loan Analysis

✓ Tax Analysis

3.1 LONG TERM MODERATE : YOUR CUSTOM BUILD RECOMMENDED PORTFOLIO BASIS YOUR RISK PROFILING AND GOALS

Risk Profile Moderate Portfolio Long Term Moderate

RECOMMENDED ASSET ALLOCATION KEY METRICS AY NIFTY

Large Cap 15% 1 Yr Return 0.15194 0.1055 1 Yr Return 15.2% 10.6%

Mid Cap 15% 3 Yr Return 0.21671 0.1763 3 Yr Return 21.7% 17.6%

Index 25% 5 Yr Return 0.18524 0.1633 5 Yr Return 18.5% 16.3%

MidTerm Corp Bond 15% Riskiness 0.09111 0.1796 Riskiness 9.1% 18.0%

GILT 10% Sharpe 0.9158 0.197682 Sharpe 0.9 0.2

Commodities 5% Sortino 1.344 0.3063 Sortino 1.3 0.3

ShortTerm Corp Bond 15% Alpha 7.99 Alpha 8.0 0.0

Beta 0.48 1 Beta 0.5 1.0

LUMPSUM AMOUNT TO BE INVESTED ₹13,32,166 LONG TERM MODERATE

MONTHLY INVESTMENTS (SIP) ₹20,717 Vs NIFTY Performance

Asset Class Fund One Time SIP

Large Cap ACB Large cap ₹1,99,825 ₹3,107

Mid Cap DEF mid cap ₹1,99,825 ₹3,107

Index XYZ Index ₹3,33,042 ₹5,179

MidTerm Corp Bond DIQ Mid term corp bond ₹1,99,825 ₹3,107

GILT bise Gilt fund ₹1,33,217 ₹2,072

Commodities XYZ gold fund ₹66,608 ₹1,036

ShortTerm Corp Bond Uim Short term corp bond ₹1,99,825 ₹3,107

Total ₹13,32,166 ₹20,717

3.1 CONGRATULATIONS! YOUR 4 OUT OF 4 GOALS ARE ACHIEVABLE.

Money Required Linked

Priority

Goal Year Current Value

Future Value

One Time Investment/ Linked Assets

Monthly Investment

Investment Type

Status

1 Emergency Fund 2016 ₹3,00,000 ₹3,03,766 ₹3,00,000Money Market Achievable

2 Retirement 2044 ₹6,00,000 ₹3,21,88,898 ₹3,39,166 ₹13,473 AY Portfolio Achievable

3 Shreeya higher Education 2029 ₹5,00,000 ₹56,09,097 ₹3,43,000 AY Portfolio Achievable

4 Shreeya Marriage 2032 ₹5,00,000 ₹12,70,176 ₹3,50,000 AY Portfolio Achievable

Total Value ₹19,00,000 ₹3,93,71,936

4 THE CHEAT SHEET - Your Ready Reckoner of To Do's !Take a Print ! Act On IT ! Stick to

the Plan !

Name Mr. Abhishek Age 35 Planing For Individual

Personal Financial Planner Kautabh Singh (CFP) Fulfillment Specialist Sneha

Potential Impact ₹0 Insurance Coverage ₹3,00,00,000 Goals Achievability 4/4

Way to success is not just to plan but to act on it !Why What Money In/Out Where When Status

Save More

Reduce Your Non-essential expenses to improve your savings by Rs. 96,638 ₹96,638

Save More

Get Better Returns By Realigning Your Existing Insurances Impact Rs.55,895 ₹55,895

Save More

Do Not Invest Your Money In Low Return Yielding Fd,Rds,Savings Accounts Potential Impact Rs. 1,35,838 ₹1,35,837 arthayantra.com

Save More Restructure Existing Loans To Save More Rs. 3,43,342 ₹3,43,341 arthayantra.com

Save More Realign Your Existing Portfolio To Get Good Returns At Much Lower Risk ₹7,74,203 arthayantra.com

Secure Present

Build An Emergency Fund of Rs. 3,00,000 for emergenecies and Keep it in Money Market to get Better Returns. ₹3,00,000 arthayantra.com

Secure Present

Buy Recommended Insurances to cover Yourself and Your Family from Uncertainities

Build Future Open Your Goal Enabler Mutual Fund Investment Account arthayantra.com

Build Future

Make One Time Investment in Your Custom Built LONG TERM MODERATE Portfolio to reach Your Goals! ₹13,32,166 arthayantra.com

Build Future

Initiate Your Monthly Investments via SIP in your Custom Built Vs NIFTY Performance Portfolio ₹20,717 arthayantra.com

Review and Realign Your Financial Plan in 6 months

APPENDIX A: INSURANCE CALCULATIONS

ULIP Insurance Analysis

POLICY ISSUER ICICX

POLICY NAME Pru

ISSUED ON 29-Nov10

PREMIUM ₹65,000

INVESTMENT TILL DATE ₹0

LESS COMMISION ₹4,528

LESS MORTALITY CHARGES ₹283

NET INVESTMENT -₹4,810

FUND VALUE ₹66,352

% EFFECTIVE RETURN 0.34%

ENDOWMENT Insurance AnalysisPolicy Issuer LID LID LID

Name of policy Jeevan Anand Jeevan Mitra The Endowment Assurance Policy

Policy Term 15 20 20

Commencement Date Feb-2014 Jan-2011 Mar-2006

Premium ₹7,818 ₹10,567 ₹7,687

Premium Term 15 20 10

Sum Insured ₹1,00,000 ₹2,00,000 ₹1,00,000

Invested so far ₹23,454 ₹63,402 ₹76,870

Reversionary Bonus ₹50 ₹50 ₹40

Final Additional Bonus ₹10 ₹0 ₹0

Maturity Value ₹1,76,000 ₹4,00,000 ₹1,80,000

Return % 4.92% 5.75% 5.56%

Paid Up Money Back ₹35,000 ₹1,20,000 ₹1,40,000

Paid Up and rest premium in Recommended Portfolio ₹2,40,935 ₹4,88,348 ₹1,40,000

Return % 8.57% 7.44% 3.90%

Surrender Value ₹14,063 ₹41,832 ₹65,716

Surrendar & Invest in AY Portfolio ₹2,60,724 ₹5,72,786 ₹2,04,104

Return % 9.47% 8.77% 6.39%

APPENDIX B: MUTUAL FUND ANALYSIS

RECOMMENDED MUTUAL FUND 1 Yr Returns 3 Yr Returns 5-Year Return Standard DeviationSharpeRatio

SortinoRatio Beta Alpha

ACB Large cap

DEF mid cap

XYZ Index

DIQ Mid term corp bond

bise Gilt fund

XYZ gold fund

Uim Short term corp bond

YOUR MUTUAL FUND 1-Year Return 3-Year Return 5-Year Return Standard DeviationSharpeRatio

SortinoRatio Beta Alpha

Birla Sun Life Infrastructure Fund 1.06 19.99 14.14 21.05 0.97 1.29 1.31 11.66

Edelweiss Mid and Small Cap Fund 4.01 30.1 23.88 19.06 1.46 1.95 1.14 20.17

Franklin India High Growth Companies Fund 3.86 25.51 22.43 16.89 1.3 1.91 1.07 14.69

Franklin India Smaller Companies Fund 12.8 33.95 29.06 15.9 1.94 2.24 0.97 24.29

ICICI Prudential Exports and Other Services Fund -2.63 21.01 24.27 14.04 1.31 1.53 0.43 15.45

Reliance Small Cap Fund 6.11 37.43 28.24 22.31 1.62 1.98 1.16 28.4

SBI Bluechip Fund 6.29 19.75 18.28 12.73 1.31 1.58 0.88 10.81

SBI Magnum Midcap Fund 9.02 30.93 27 14.86 1.99 1.96 0.82 24.03

APPENDIX C: FIXED INCOME ANALYSISCitizen bank

Nahik Cosmos Bank

Bank Other Sources Fixed Deposit Fixed Deposit

Start Date 21-Jul16 31-Mar16

Amount ₹2,00,000 ₹1,70,000 ₹20,000

Interest Rate 3.50% 8.25% 8.00%

Post Tax Return 2.80% 6.60% 6.40%

Tenure (Years) 5 2 3

Amount Received at Maturity ₹2,29,613 ₹1,93,780 ₹24,197

RECOMMENDED ALTERNATEInvest Now In AY Portfolio

Invest Now In AY Portfolio

Invest Now In Money Market

Amount Value as of today ₹2,00,000 ₹1,73,506 ₹20,808

Less Breaking Charge (1%) ₹0 ₹425 ₹100

Less Tax @20.0% ₹0 ₹616 ₹142

Net In Hand ₹2,00,000 ₹1,72,465 ₹20,566

Expected Return 12.00% 12.00% 8.80%

Net Tax 0.40% 0.40% 0.36%

Value at Maturity for Alternative ₹3,52,468 ₹2,06,141 ₹24,817

Net Gain ₹1,22,856 ₹12,361 ₹621

ArthaYantra Mission 2016Make 1,00,000 Indian Family's Future Financially Secure

Fact SheetUsers Served 120000+

In 600+ Citiesin 30+ Countries

90% of Users On Track to Achieve Their Goals

64% of Our Customers Refer Us

Arthayantra Corporate Pvt LtdAddress: 3rd Floor, Sai Galleria, Plot No., 472, Rd Number 36, Aditya Enclave, Venkatagiri, Jubilee Hills, Hyderabad, Andhra Pradesh 500081Phone:040 6658 8259

Arthayantra Corporate Pvt LtdAddress: 3rd Floor, Sai Galleria, Plot No., 472, Rd Number 36, Aditya Enclave, Venkatagiri, Jubilee Hills, Hyderabad, Andhra Pradesh 500081Phone:040 6658 8259