Dt: 01-06-2020 4.33AM Content of suggestion to PM vide ref No.
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To the PM of India Respected Shri Modiji,

My innovation of INFLAPRO is a financial calculation for providing inflation protected return on investment.
It is dealt comprehensively in my websites www.bnvenkat.com and www.bnv.bvraghav.com.

There is also a project report-2010 in detail giving the method of calculation, benefits etc.

I proposes this novel solution with inflation protection on their own investment with the same interest rate applied on run balance in contrast to (A) diminishing balance method (existed before 1990s) and (B) Equal instalment method popularly known as EMI prevalent in the market.

I call the calculation as an invention because it is the 3^rd type of calculation not available in the market and no formule available. I have titled my calculation as INFLAPRO and is very different from fluctuating bonds previously available in USA whose return varies with inflation/deflation or floating rate of interest.

Inflapro gives a rate of interest on face value, with increase year by year at constant inflation rate i.e. on the principal and same conventional interest rate (at most one can call payable) on run balance.
The payable interest also carries the same conventional rate of interest and the benefit is passed on to customer in the later years of the term, which protects against inflation.

The above links provided in boxes above are links to my six letters to Chief economic Adviser, GOI, Due for necessary acknowledgement and action.

The letter one dated 10-05-2020 is about

• suggested covid deposits at 4.5% to 8% (a rate slightly better than Savings bank interest) from public with inflapro principle with or without moratorium and for a period of 10 to 20 years.
• suggested covid industrial/service loans at 8% to 13.5% (soft loans to build the nation and recover from Economic strains) with inflapro application with suitable moratorium of 3 to 5 years and policy term up to 20 years from the funds generated at 4.5%... as above.
• Amnesty to unaccounted money holders with deposit on zero percent interest for 30 years using inflapro application
• other information like my advertisement about inflapro in March 2013.

The letter two is the re-sending of letter one with a little name correction.

The other letters are inflapro applications including

• Inflapro pension with 10 year and 40 year perspective @6.75% intt. and 6% inflation.
• Vaya vandana 2020 with Inflapro application.
• fair compensation for farm land acquisition with inflapro method
• Inflapro application on insurance 1 crore with first year base sum assured at 18.46 lakhs with starting premium of 77000 etc with assured maturity of Rs. 1 crore in 30 years for 30 years entrant

There are other applications of INFLAPRO w.r.t. Fixed deposit, Mutual Fund, Preference-Share, Insurance-agents-commission with retirement benefit etc. about which can be seen by visiting my website mentioned above.

REQUEST RESPECTED MODIJI/PMO  TO GIVE ME AN OPPORTUNITY TO DISPLAY ABOUT MY FINANCIAL CALCULATIONS AND TO GIVE INFORMATION OF SPECIAL PASSWORD AND OTHER OPERATING INSTRUCTIONS FOR CUSTOM CHOICE OF INTEREST AND OTHER PARAMETERS
TO INTELLECTUALS LIKE, Dr. K V Subramanian, Chief Economic Adviser, Dr. Subramanian Swamy, economists and BJP party senior leader and other eminent economists.

Thanking you
B N Venkataraman
From IIT Kanpur, Uttar Pradesh.