The document presents a detailed financial analysis covering real rates adjusted for inflation, average inflation, NSC interest rates, index returns, and yearly salary alongside expenses and savings from 2009 to 2018. It includes a projection of nominal and real returns, as well as gains or losses due to inflation, providing insights into the impact of inflation on savings over the years. References for inflation figures, NSC interest rates, and index returns are also included for further verification.

1. Year
Real rates
(Adjusted for
Inflation)
Average
Inflation
NSC
Interest
rates
Index
Returns
Year
Yearly
Salary
Expenses Savings
Nominal
Return
Real return
(adjusted for
Inflation)
Nominal
Saving
Real
Saving
Gain /
Loss due
to
inflation
Cumm
Real
Saving
2009 -2.83% 10.83% 8.00% 46.00% 2009 100 50.00 50.00 4.00 -1.42 54.00 52.59 -1.42 52.59
2010 -4.11% 12.11% 8.00% 25.30% 2010 106 55.00 51.00 4.08 -2.10 55.08 52.98 -2.10 105.57
2011 -0.47% 8.87% 8.40% -15.60% 2011 112 60.50 51.86 4.15 -0.24 56.01 55.77 -0.24 161.33
2012 -0.70% 9.30% 8.60% 12.98% 2012 119 66.55 52.55 4.41 -0.37 56.97 56.60 -0.37 217.93
2013 -2.42% 10.92% 8.50% 6.40% 2013 126 73.21 53.04 4.56 -1.28 57.60 56.32 -1.28 274.25
2014 1.63% 6.37% 8.00% 34.10% 2014 134 80.53 53.30 4.53 0.87 57.83 58.70 0.87 332.95
2015 2.12% 5.88% 8.00% -10.50% 2015 142 88.58 53.27 4.26 1.13 57.54 58.67 1.13 391.61
2016 3.03% 4.97% 8.00% 7.10% 2016 150 97.44 52.93 4.23 1.60 57.16 58.77 1.60 450.38
2017 5.51% 2.49% 8.00% 23.10% 2017 159 107.18 52.21 4.18 2.88 56.38 59.26 2.88 509.64
2018 3.47% 4.53% 8.00% 4.50% 2018 169 117.90 51.05 4.08 1.77 55.13 56.91 1.77 566.54
6% 26.8%
10% 14.8%
50
Base Case
26.8% 0% 1% 2% 3% 4% 5% 6%
8% 18.84% 20.75% 22.50% 24.14% 25.68% 27.14% 28.53%
9% 17.16% 19.31% 21.25% 23.03% 24.69% 26.25% 27.73%
10% 15.12% 17.60% 19.79% 21.76% 23.57% 25.26% 26.83%
11% 12.56% 15.52% 18.05% 20.28% 22.29% 24.12% 25.83%
12% 9.11% 12.89% 15.93% 18.51% 20.78% 22.82% 24.68%
13% 3.96% 9.35% 13.24% 16.36% 18.99% 21.29% 23.36%
Base case - Expenses increase y-o-y
Base case - Income increase y-o-y
CAGR - Index
CAGR - Savings
INDIA - REAL RETURNS FOR COMMON MANDATA
References :
1. Inflation figures: https://www.inflation.eu/inflation-rates/india/historic-inflation/cpi-inflation-india.aspx
2. NSC interest rates: http://dailytools.in/GovernmentSavingSchemes/Article/national-savings-certificate-nsc-interest-rates
3. Index Returns: https://in.investing.com/indices/sensex-historical-data
Income increase y-o-y (%)
SCENARIO ANALYSIS
Increasein
Expensesy-o-y
(%)
Base case - Starting Expenses