TVM Practice (RTPS)

Rakesh invests 5,00,000 Rs. On 4 Aug 2014 and withdraws 50000,45000, 485000 2nd JAN 2015, 3rd MAY 2016, 2nd NOV 2017 Respectively. What is rate of retune generated over investment.

If a client investor 15000 per month for the next 20 years with the Rate of 14% per annum. What will be the corpus?

Girish has 20 lac Rs. today which he wants to invest at the rate of 10.90% for 15 years. He wants to withdraw half yearly form this investment. What maximum he can withdraw every six months for next 15 years at end of every six months.

Arshdeep is investing 10000 per month from last 20 years and receives 2 crores after 20 years. What is per annum return he has generated.

Krishna has been investing in an equity mutual fund quarterly Rs. 100000 from last 15 years and receives 90 lacs. He is investing at the end of the quarter what is the per annum return he has generated?

Megha wants to buy a home in Jaipur after 10 years. Which is costing today at Rs. 75 lacs. Real estate prices are expected to grow at the rate of 7.5%. If she can invest a lumpsum amount at the rate of 11% for this goal. What shall be the amount?

Rakesh wants to invest quarterly Rs. 50,000 for the next 20 years. What will be the value of investment after 20 years with the rate of 11.5%?

How many Years (Approx) will it take for a sum of Rs. 10,000 to quadruple if the rate of return is 9% p.a.?

If the post-tax rate of return on an investment is 8% and the inflation rate is 5% the real rate return is:

Geeta is investing in a mutual fund Rs. 1,000 monthly at 15% p.a. What will be the amount she will get after 5 years?

The future value of 1 rupee to be received in 8 years’ time at a compounding rate of 6% is.

Dev wishes to receive Rs. 10,000 in 5 years’ time at an annual interest rate of 10%. What is the amount of money he has to invest now to achieve his goal?

If ABC needs Rs. 50,000 in 5 years’ time to pay for the down payment of his house, what is the amount that he should deposit now, assuming an interest rate of 9% compounded semi-annually?

James Starts investing with an initial of investment Rs. 6,000. The investment is now worth Rs.12500. Assuming the annual rate of return on investment is 6%, how many years has James been investing?

Calculate the account balance after six years, if Rs.1,000 has been deposited at the end of each year and the account is accumulating interest at 8% annually.

If Ashish has been regularly investing Rs.10,000 at the beginning of every year for the past 10 years, into an investment earning 10% rate of return, what is the value of the investment now?

Ronnie Wants to give his nephew Rs.15,000 at the end of each year for the next six years. Assuming his nephew deposits that amount in an account earning 8% interest, how much will he get at the end of six years? if Ronnie decides to give it at the beginning of each year instead, how much will his nephew receive?

Calculate the amount that is needed to set up a trust fund now, if the fund pays Rs.15,000 at the end of each year for ten years and earn an annual interest of 11%?

. Calculate the annual interest rate (in %) required if Sudha invested Rs.15,000 today and expects to receive Rs.25,000 in 12 years’ time.

Calculate the future value of Rs.5,000 invested each year for 4 years, assuming an annual rate 10%.

Calculate the annual interest rate required if a person invested Rs.10000 today and expects to receive Rs.18000 in 4 years’ time.

A bank that is paying a nominal interest rate of 10% and compound semi-annually is actually paying an effective interest rate of.

A sum of Rs.8,000 deposited for one years at an annual interest rate of 5% compounded daily, will amount of Rs.

Josephine needs Rs. 2,00,000 in 5 years’ time to payment for her house. What is the amount that she should deposit now, in case she is in a position to earn 10% compounded monthly?

A few years ago, Minesh Started investing in mutual funds with an initial investment of Rs.30,000. The investment is now worth Rs.55,500. Assuming the annual rate of return on investment is 6% p.a. compounded quarterly, how many quarters has Minesh been investing?

Shaheen deposits Rs.100000 in a bank fixed deposit for a term of 5 years at he rate of 9% pa. (Compounded Quarterly). What will be her maturity amount?

If Robin needs Rs. 25,000 at the beginning of each month after his retirement for 15 Years, how much should he accumulate at the start of his retirement. assuming an interest of 12% compounded annually?

What will be the corpus after 30 years if client is investing 50000 per year at the rate of 12% per annum. amount is being invested at the beginning of the year

What will be the corpus after 20 years if client is investing 75000 per year at the rate of 12% per annum along with the 2.5 lac Rs lumsup investment amount is being invested at the end of the year?

What will be the amount of investment required if client needs 100000 every year for the next 30 years with the rate of 11.5%. Client will withdraw the amount in the beginning of the year?

Rakesh has been investing 200000 every year from last 20 years and received 80 lacs from the investment. He has been invested in the beginning of the year. What is the per annum return he has generated ?

Aishwarya want to achieve 50 lac Rs of portfolio after 15 years. You as a CFP suggested her an investment yielding 9.5%. What is the annual amount she needs to deposit every year end to reach the goal?

Vaibhav goes to a bank. He needs 25 lac rs in future and presently having 5 lac rs as his savings. Bank employee offers a product to Vaibhav which is yielding 7.25%. Vaibhav ask that how much time will it take to reach 25 lac with the investment.

What shall be the investment today if rate of return is 10.50% to achieve. These cash flows required at end of the year?

end of 1 year 15000
end of 2 year 35000
end of 3 year 45000
end of 4 year 65000
end of 5 year 105000

What shall be the investment today if rate of return is 11% to achieve. These cash flows required at end of the year?

end of 1 year 35000
end of 2 year 49000
end of 3 year 75000
end of 4 year 1,10,000
end of 5 year 1,20,000

What shall be the investment today if rate of return is 11% to achieve. These cash flows required at beginning of the year?

Beginning of 1 year 35000
Beginning of 2 year 49000
Beginning of 3 year 75000
Beginning of 4 year 1,10,000
Beginning of 5 year 1,20,000

How much maximum Rachit can withdraw every year with an investment of 25 lac rs for 10 years at the beginning of every year investment is yielding at 9.25%.

Keshav has decided to invest 50000 every year in a mutual fund scheme for 20 years which is yielding him the return of 12% and he will increase his amount of investment every year with the rate of 8%.He is doing investment immediately. What will be the value of corpus after twenty years.

Rachit has decided to invest 45000 Every year in a mutual fund scheme for 25 years which is yielding him the return of 8% and he will increase his amount of investment every year with the rate of 10%. He is doing investment at every year end. What will be the value of corpus after twenty five years.

Navraj has decided to invest 150000 Every year in a mutual fund scheme for 15 years which is yielding him the return of 13% and he will increase his amount of investment every year with the rate of 7%.He is doing investment at every year end. What will be the value of corpus after fifteen years.

Sonam needs 2 Cr after 20 years. Sonam want to invest every year at the rate of 12%. Sonam has decided that she will increase he amount of investment every year with the rate of 7% immediately. What shall be her initial amount of investment.

Rakesh bought a home of 1 Cr rupee. He got funded by a bank for 90% cost of Home. Rate of loan was 8.40% for 20 years For 10% down payment He took a personal loan at the rate of 14% for four years.
Kindly calculate the total interest paid for both of the loans.

Aishwarya bought a Home of 75 lacs and took 80% loan from a Bank. Bank charged the interest rate of 8.15% for 20 years. After five years of loan Aishwarya got bonus of 5 Lac rupee and want to square off the loan with the amount. What will be her interest saving with this deposit.

Vaibhav took a Home Loan of 20 Lacs for 20 years with the rate of 8.6% after 7 years the interest rate rose up to 9.2%. What will be New EMI?

Vikas took a loan of 10 Lac rs for 10 years with the rate of 9% per annum after five years of loan He shall deposit 3 lac rs in loan account.

1 After this deposit what will be His new EMI
2 In case He still gives same EMI what will be the reduced Tenure

Rachit wants to have a corpus of 30 lacs rs after 20 years. He is already running with a loan of 10lac for 15 year at the rate of 9%. He took the loan 5 years back.After completion of loan he will use the EMI for the corpus and will invest the EMI at the rate of 11%. What additional per month saving he is expected to at the rate of 14%. Do for the desired corpus ?

Vivek wants to do planning for education of 8 year old kid and the education expense will start from the age of 18 for four years. Current education expesnse are 300000 and inflation of education is 8%. if rate of return is 10.5% .What shall he deposit today for the goal.

Mukul took a Home loan of 20 lacs for 20 at the rate of 8.5%.After 2 years the rate of Home loan rose up to 9.25%.Mukul paid the increased EMI for 3 years. Now he has heard that interest rate may increase further so he want to square off the loan.What is the amount of money he needs to pay to the bank for squaring the loan off.

Pankaj Needs 2 Cr after 20 years for the retirement goal. He is alredy running with a monthly investment of 5000 rs per month at the rate of 11%. What additional per annum immediate investment he shall do to reach the goal by increasing that per ammum investment at the rate of 8% every year and the investment returns are 14% for such annual investment.

Sonam needs to know the amount to be deposited for an anuuity required immediately with 100000 for 10 years but for the first five year inflation will be 5.5% and next five years inflation will be 6.25%.Rate of return is 11%.

Keshav want 5000 rs monthly for next 20 years and has a corpus 8 lac. At what rate he shall do his investemnt if he wants to adjust the inflation at the rate of 6% in annuities.

Calculate outstanding principal of a loan taken 10 years back with the rate of 9% and the loan amount was 20 lacs Loan Tenure was 20 years.

Calculate the interest paid in last 5 years of a 20 years loan with the rate of 8.5% of 15 Lac.

Calculate the principal paid of a loan schedule for last 7 years of a 15 years loan. Loan amount is 18 Lacs and rate is 7.10%

Calculate the total interest paid in a loan taken for 7 years of 11 lac with the rate of 9.40%

Calculate EMI of a Car Loan of 7 lac taken for 5 years at the rate of 8.5%

Calculate EMI of a Home loan of 20 Lacs for 20 years at the rate of 8%

Calculate EMI of a personal loan of 2.5 lac for 3 years at the rate of 14%

How much interest paid in first two years.

How Much interest paid 3rd year of loan.

How much principal in the first two years.

How much Principal is outstanding after five years.

How much Principal outstanding after 13 years.

Sifat is investing 5000 rs every month for next 20 years what will the corpus of sifat after 20 years if he is investing this amount at beginning of every month with the rate of 10% per annum

Nikita wants to invest 20000quarterly for next 15 years. She will invest this amount at the end of quarter. What will be the corpus if rate of return is 12% per annum.

Ritika wants to withdraw half yearly from intial investment of 12 lac rupees for the next 10 years at the rate of 11.5% per annum. What will be that amount if she wants to withdraw in the beginning of every half year?

Abhishek wants to withdraw 15000 every month for the next 20 years, with the rate of 10.25% per annum. Abhishek wants to withdraw 15000 every month for the next 20 years, with the rate of 10.25% per annum

Naman wants to invest 25000 rs every week,what will be his corpus after 5 years with the rate of 11% per annum. He is investing at the end of the week.

Vivek wants to buy a house after 10 year which is presently costing 55 lacs and cost of house is increasing with 6%. What shall be the investment today at the rate of 10.5% to achieve the corpus.

Shashank wants to buy a house after 10 years current cost of house is 35 lacs which is exp to increase at the rate of 5.5%. if Shashank want to do a one time investment today at the rate of 9%. what shall be that amount?

Monica is investing 75000 annually with the rate of 11% per annum com quartely. What will be corpus after 10 years if she invests at the beginning of year?

Puneet needs 2 Crore after 20 years. He wants to invest annual amount at the rate of 11.25%. He will increase his annual amount with the rate of 6.5%. What shall be his initial investment if he does it at the end of the year?

Ramesh needs 1 cr. after 15 years. if rate of return is 11%. What shall he deposit today?

If taru deposits 500000 today what it will become after 20 years with the rate of 11%?

What time it will take to make my money 4 lac from 2 lacs if rate of return is 10.5%?

Akhil is investing 50000 per year in an insurance policy. Which can give 7.25% returns for 20 years Akhil is giving premium in the beg of the year. What will be the corpus?

Puneet is investing 25000 every year. he wishes to accumulated 15 lac in 15 years at what rate Puneet should invest this amount in beg of the year to achieve this?

Ajay needs 20 lac after 20 years. He wish to deposit an annual amount at the end of the year with the rate of 14% what should he deposit to reach the goal.

Darsh is having a loan of 25 lac Rs at the rate of 9.5% per annum.He took this loan for 20 years after five years the rate of loan increased to 10.25%. What will be his NEW EMI ?

Anchal is having a loan of 15 lac Rs at the rate of 6.9% per annum. He took this loan for 15 years after four years the rate of loan increased to 7.5%. What will be his NEW EMI?

Puneet is having a loan of 28 lacs at the rate of 6.5% for 20 years. After five years He decided to put 5 lac Rs. in his loan account. what will be his NEW EMI ?, in case he still comfortable paying the same Existing EMI. What will be his new period in months in which loan can be repaid ?

Shashank is having a loan of 10 lacs at the rate of 9% for 10 years after two years. He has been approached by an another bank to shift the loan at the rate of 8%. If shashank transfer this loan to another bank. What will be interest saving he must be doing with this transfer

Khushboo is having a loan of 25 lacs at the rate of 7.2% for 20 years after 7 years He has been approached by an another bank to shift the loan at the rate of 6.85%. If khushboo transfer this loan to another bank what will be interest saving he must be doing with this transfer?

Abhey aged 36 has spare funds of Rs 100,000 immediately and annually over the next 4 for his family’s vacation goal which should be in place by his age 50 to fund next 25years. annual vacations. The current requirement of annual vacation spend is Rs 80,000 and subsequent requirement escalates annually at 5%. He can invest in 10% annual return instruments during entire accumulation period of vacation goal, and the vacation funds during utilization period are seen to draw from 6% per annum return instruments. What annual amount do you end investing after initial 5 years to achieve this goal?

Vikas took a loan of 10 Lac rs for 10 years with the rate of 9% per annum .After five years of loan He shall deposit 3 lac rs in loan account.

1 After this deposit what will be His new EMI
2 In case He still gives same EMI what will be the reduced Tenure