INFLAPRO

CHARTS FOR LIC JEEVAN AKSHAY IV DERIVATIONS

(also pl visit http://www.bnv.bvraghav.com to know about INFLAPRO)

click to go to website wwww.licindia.in/Products/Pension-Plans/jeevan_akshay

If your purchase price is Rs. 2.50 lakh or more, you will receive higher amount of annuity
due to available incentives. In addition of this, for policies sold online, a rebate of 1%
by way of increase in the annuity rate shall also be available.

For INFLAPRO OPTIONS (AN INVENTION OF B N VENKATARAMAN) and calculations CLICK the figures in the following table
NO LOGIN or password required for these LIC's interest rates to see the inflapro
LIC PENSION SCHEMES AKSHAY IV  purchase price=
Age     (i)       (ii)15     (III)       (IV)       (V)       (VI)       (VII)  
The option iv is aleredy 3% inflation protected
030 7190 7160 6890 5250 7080 6970 6860
040 7510 7440 6930 5610 7310 7120 6890
050 8140 7950 7000 6280 7760 7420 6930
060 9350 8790 7110 7530 8640 8030 7010
070 12080 9830 7260 10220 10560 9370 7130
080 17880 10440 7480 15890 14600 12340 7290
Extended option 4 (proposed) rates below are per lac
060Ext.opt (1-4) 3583 (2-4) 3249 (3-4) 2580.86 (4-4) 7530 (5-4)3162 (6-4) 2820 (7-4) 2531.64
Extended option 7 (proposed) rates below are per lac
060Ext.opt (1-7)NA | (2-7)NA | (3-7) 1871.28 (4-7)NA | (5-7)NA | (6-7)NA | (7-7) 1825.66

click to change Life expectancy
for LIC/SBI/ICICI pensions schemes85 yrs


click to change inflation constant      10% pa




  • Enter LIC pension purchase amount   
  • Look at changes in rates for your inputed field in table on left hand side    
  • Then click appropriate payout amount to see the inflapro options in tables
  •    Rs.  
  •    Rs.  There is incentive in pension on purchase amount more than Rs. 2.50 lacs (usually 1% over and above the tabled amount)


As per LIC's terms You may choose any one. Once chosen, the option cannot be altered.
Following will be the effective interest for above maximum rates because of applicability of IT excemption u/s 10(10)D.
EFFECTIVE INTEREST RATES WITH IT EXEMPTION
Intt rate with 10(10)D     10% slab       20%slab       30%salb  
7.8272% 8.6969% 9.7840% 11.1817%
7.2900% 8.1000% 9.1125% 10.4143%
However How many annuitants will come in above tax slabs is a big question?
For academic interest sake one may be benefited to max of 11.1817%

 | go top  | go lic  | go icici  | go sbi  | go hdfcbank  | go banthra  | go muthamizh  | go custom  | go table1  | go table2  | go table3  | go footer  | go end |

INFLAPRO

CHARTS FOR ICICI pension scheme

(also pl visit http://www.bnv.bvraghav.com to know about INFLAPRO)

For INFLAPRO OPTIONS (AN INVENTION OF B N VENKATARAMAN) and calculations CLICK the figures in the following table
NO LOGIN or password required for these ICICI's scheme to see the inflapro
ICICI PRUDENTIAL PENSION SCHEMES
Age  opt    Purch.Amt Rs.       scheme      Yearly     Halfyearly     Quarterly     Monthly 
621 Life annuity without return of purchase amount 34871 17014 8357 2733
2423014.80 Life annuity with return of purchase amount 28177 13754 6755 2206
3(a)423014.80 Life annuity guaranteed for 5 years and life there-after without return of purchase amount 34749 16961 8332 2725
3(b)423014.80 Life annuity guaranteed for 10 years and life thereafter without return of purchase amount 34450 16821 8266 2704
3(c)423014.80 Life annuity guaranteed for 15 years and life thereafter without return of purchase amount 34046 16630 8173 2674
4423014.80 Joint life last survivor without return of purchase amount 29530 14427 7072 2289
5423014.80 Joint life last survivor with return of purchase amount 28220 13787 6758 2188

click to change Life expectancy
for LIC/SBI/ICICI pensions schemes85 yrs


click to change inflation constant      10% pa




  • Enter ICICI prulife pension purchase amount   
  • Look at changes in rates for your inputed field in table on left hand side    
  • Then click appropriate payout amount to see the inflapro options in tables
  •    Rs.  



 | go top  | go lic  | go icici  | go sbi  | go hdfcbank  | go banthra  | go muthamizh  | go custom  | go table1  | go table2  | go table3  | go footer  | go end |

INFLAPRO

CHARTS FOR SBI ANNUITY DERIVATIONS

(also pl visit http://www.bnv.bvraghav.com to know about INFLAPRO)

For INFLAPRO OPTIONS (AN INVENTION OF B N VENKATARAMAN) and calculations CLICK the figures in the following table
NO LOGIN or password required for these SBI's interest rates to see the inflapro
function dumpwith(str,elethis) { if (str==undefined) { x=$("input[name='w_or_wo_rop']"); for (var i=0;i MOD; echo $htm; $ref=<< with ROP  | MOD; $ref.="   without"; $all=<<   $ref MOD; echo $all; ?>
SBI PENSION SCHEMES
Age     Annuity scheme (i)   Select option for with or
without Return of Price



40 Rs.1000 pm Premium 166760
50Rs.1000 pm Premium 152650
60Rs.1000 pm Premium 136526
70Rs.1000 pm Premium 107822
80Rs.1000 pm Premium 75395
45Rs.1000 pm Premium 160405
55Rs.1000 pm Premium 147703
65Rs.1000 pm Premium 123659
75Rs.1000 pm Premium 91099
42Rs.1000 pm Premium 164319
52Rs.1000 pm Premium 153773
62Rs.1000 pm Premium 131720
72Rs.1000 pm Premium 101029
48Rs.1000 pm Premium 156456
58Rs.1000 pm Premium 141299
68Rs.1000 pm Premium 114546
78Rs.1000 pm Premium 81476





click to change Life expectancy
for LIC/SBI/ICICI pensions schemes85 yrs


click to change inflation constant      10% pa



 | go top  | go lic  | go icici  | go sbi  | go hdfcbank  | go banthra  | go muthamizh  | go custom  | go table1  | go table2  | go table3  | go footer  | go end |

INFLAPRO

CHARTS FOR BANK FD INTEREST DERIVATIONS

(also pl visit http://www.bnv.bvraghav.com to know about INFLAPRO)

For INFLAPRO OPTIONS (AN INVENTION OF B N VENKATARAMAN) and calculations CLICK the figures in the following table
NO LOGIN or password required for these HDFC Bank's interest rates to see the inflapro
HDFC BANK FD INTEREST RATES
Period     (Qrly)       (Monthly)       (HalfYrly)       (Yearly)  
3 Yrs 8.75%(Q) 8.75%(M) 8.75%(H) 8.75%(Y)
4 Yrs 8.75%(Q) 8.75%(M) 8.75%(H) 8.75%(Y)
5 Yrs 8.75%(Q) 8.75%(M) 8.75%(H) 8.75%(Y)
10 Yrs 8.00%(Q) 8.00%(M) 8.00%(H) 8.00%(Y)
20 Yrs 8.00%(Q) 8.00%(M) 8.00%(H) 8.00%(Y)
Sr.czn 3 Yrs 9.25%(Q) 9.25%(M) 9.25%(H) 9.25%(Y)
Sr.czn 4 Yrs 9.25%(Q) 9.25%(M) 9.25%(H) 9.25%(Y)
Sr.czn 5 Yrs 9.25%(Q) 9.25%(M) 9.25%(H) 9.25%(Y)
Sr.czn 10 Yrs 8.50%(Q) 8.50%(M) 8.50%(H) 8.50%(Y)
Sr.czn 20 Yrs 8.50%(Q) 8.50%(M) 8.50%(H) 8.50%(Y)
 | go top  | go lic  | go icici  | go sbi  | go hdfcbank  | go banthra  | go muthamizh  | go custom  | go table1  | go table2  | go table3  | go footer  | go end |

INFLAPRO

CHARTS FOR MUTHAMIZH SANGAM UNSECURED LOAN FROM MEMBERS

(also pl visit http://www.bnv.bvraghav.com to know about INFLAPRO)

For INFLAPRO OPTIONS (AN INVENTION OF B N VENKATARAMAN) and calculations CLICK the figures in the following table
NO LOGIN or password required for these Murhamizh Sangam, Lucknow rates to see the inflapro
special case Muthamizh Sangam LOAN/RETURN RATES
DERIVED FROM MONTHLY COMPOUNDING
----------------------------------
Period     (Qrly)       (Monthly)       (HalfYrly)       (Yearly)  
20 Yrs 14%(Q) 14%(M) 14%(H) 14%(Y)
15 Yrs 14%(Q) 14%(M) 14%(H) 14%(Y)
10 Yrs 14%(Q) 14%(M) 14%(H) 14%(Y)
5 Yrs 14%(Q) 14%(M) 14%(H) 14%(Y)
20 Yrs 13%(Q) 13%(M) 13%(H) 13%(Y)
15 Yrs 13%(Q) 13%(M) 13%(H) 13%(Y)
10 Yrs 13%(Q) 13%(M) 13%(H) 13%(Y)
5 Yrs 13%(Q) 13%(M) 13%(H) 13%(Y)
20 Yrs 12%(Q) 12%(M) 12%(H) 12%(Y)
15 Yrs 12%(Q) 12%(M) 12%(H) 12%(Y)
10 Yrs 12%(Q) 12%(M) 12%(H) 12%(Y)
5 Yrs 12%(Q) 12%(M) 12%(H) 12%(Y)
20 Yrs 11%(Q) 11%(M) 11%(H) 11%(Y)
15 Yrs 11%(Q) 11%(M) 11%(H) 11%(Y)
10 Yrs 11%(Q) 11%(M) 11%(H) 11%(Y)
5 Yrs 11%(Q) 11%(M) 11%(H) 11%(Y)
SPECIAL PENSION FOR DR SEKAR MUTHAMIZH SANGAM
20 Yrs 10%(Q) 10%(M) 10%(H) 10%(Y)
SPECIAL PENSION FOR DR SEKAR MUTHAMIZH SANGAM WITH RETURN OF PURCHASE PRICE
20 Yrs (withROP) 10%(Q) 10%(M) 10%(H) 10%(Y)
special case Muthamizh Sangam LOAN/RETURN RATES
DERIVED FROM YEARLY COMPOUNDING(REVISED)
----------------------------------
Period     (Qrly)       (Monthly)       (HalfYrly)       (Yearly)  
5 Yrs 14%(Q) 14%(M) 14%(H) 14%(Y)
3 Yrs 14%(Q) 14%(M) 14%(H) 14%(Y)
special case Muthamizh Sangam LOAN/RETURN RATES
DERIVED FROM YEARLY COMPOUNDING(REVISED)
without Return of Purchase Price
----------------------------------
Period     (Qrly)       (Monthly)       (HalfYrly)       (Yearly)  
5 Yrs 14%(Q) 14%(M) 14%(H) 14%(Y)
3 Yrs 14%(Q) 14%(M) 14%(H) 14%(Y)