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FM IE -1 TYCVA65.pptx
- 1. Pimpri Chinchwad Education Trust’s Pimpri Chinchwad College of Engineering Department of Civil Engineering Name – SIDDESH.R.BACHHAV Roll.no – TYCVA65 PRN no – 121B2A065 Course – Financial Management Guide – Ashiwini Shenolkar INDEX Personal Details Goals & Asset Allocation Net worth Statement Cash Flow Statement Insurance Analysis Loans Investment Analysis Retirement Analysis Recommendations
- 2. • Name – Siddesh Rajiv Bachhav • Age – 20 • Address – Flat no 3,Panchavati,Nashik • PAN No – *****5622R • DOB – 06/07/2002 • Retirement Age – 58 • Mobile – 9511660145 • Email ID – siddeshbachhav671@gmail.com 1. Personal details :-
- 3. A) Sr. No Priority Ranking Description Duration to go in years Corpus required 1 1 Education 3 7 lakhs 2 2 Marriage 8 10 lakhs 3 3 Investment 5 5 lakhs 4 4 Car 6 15 lakhs 5 5 Retirement corpus 38 1 lakh/month B) Current Asset allocation Real Estate - 15% Gold– 10%, Cash – 5% Fixed Income Investments– 10% Direct Equity – 20% Mutual Funds – 15% Saving – 25% 15% 10% 5% 10% 20% 15% 25% PIE CHART ASSET ALLOCATION
- 4. Liquid Asset Items Amount(Rs) Saving Account 25,000 Cash 10,000 Total = 35,000 Asset/Liabilities Financial Asset Items Amount(Rs) Mutual Fund 10,000(Monthl y) Total = 10,000 Tangible Asset Items Amount(Rs) Real Estate 25,00000 Total = 2500000 Personal Asset Items Amount(Rs) Primary House 40,00,000 Car/Vehicle 15,00,000 Jewelry 2,00,000 Total = 57,00,000 Retirement Asset Items Amount(Rs) PF 10,00,000 Pension 50,000 Total = 10,50,000 Liabilities & Net Worth Outstanding Loan Items Amount(Rs) Home Loan 20,00,000 Vehicle Loan 5,00,000 Personal Loan 5,00,000 Total = 30,00,000 Total Assets = Rs. 9,295,000/- Total Liabilities = Rs. 30,00,000/- Net Worth = (Total Asset – Total Liabilities) (Rs. 92,95,000 – 30,00,000) Rs. 62,95,000/-
- 5. Income Items Amount(Rs) Salary Fixed (CTC) 1,00,000/month Pension 50,000 Total = 1,50,000 Household Items Amount(Rs) Household Expenses 10,000 Educational Expenses 80,000 Total = 90,000 Loan EMI Items Amount(Rs) Home Loan 28,273/month Vehicle Loan 16,369/month Personal Loan 12,923/month Total = 52,792 Insurance Premium Items Amount(Rs) Life Insurance 7,210/year for (25 years) Health Insurance 14,418/year Total = 21,628/- Taxes Items Amount(Rs) Salary Fixed (CTC) 72,000/year Pension 7,180 Total =79,180 Retirement Savings Items Amount(Rs) PF 10,000/month Total = 10,000
- 6. The following are the loans and monthly EMI:- • ▶ I have taken home loan on amount Rs. 20,00,000/- & thisloan istaken forduration of 8 years with interest rate of 8%& the monthly EMIpaid isRs.28,273/- • ▶ Another loan is taken for Vehicle Loan of Rs. 5,00,000/- & it is taken for duration of 3years with interest rate of 11%& the monthly EMI paid is Rs. 16,369/- • ▶ Last Loan is Personal Loan of Rs. 5,00,000/- which is taken for duration of 48 months with interest rate of 11%& the monthly EMI paid is Rs.12,923/-
- 7. The Insurance Ihave is Life Insurance & Health Insurance. ▶ InLife Insurance , Rs.7,210/- amount is paying for25 years. So total amount becomes Rs.21,63,000/- & in next year i.e. 26th , the sum assured will be of Rs. 25,00,000/-. ▶ In Health Insurance , the annual premium is of Rs.14,418/- & something occurs related to health, the sum assured isaround Rs. 50 lakh.
- 8. ▶ I am planning to invest in LIC Policy. It has various Plans but I am interested in low risk plan. In that , I have strenghth of investing nearly 15,000/- for tenure of 10 years . So, total I will pay is Rs 18,00,000/-. It’s return rate is 12%, So estimated return I will get around Rs 2,16,000/-. Total value is around Rs 20,16,000/-.
- 9. ▶At the time of retirement, the corpus Iwould like to save is around Rs.40,000/-. Thus this means Rs. 4,80,000/- year considering all the returns. ▶ My aim isto achieve all my goals at the age of around 52 years. Once, it is achieve then I will try to retired at he the age of 58.
- 10. ▶ After having analysis of finances I learned that how to manage the expenses . ▶ Before buying or cracking any deal it is must to have background as well as thorough knowledge . ▶ The loan amount which is been taken it should be repaid within time. ▶ The P F Amount should be deducted around 15K to 20K per month for receiving good returns at time .