Chedilal is earning Rs.15 lacs p.a. and expects his income to increase by 2% every year. He also expects a growth of 8%
on his investment. He has 15 years of working life left as he would retire at the age of 55. Calculate the insurance he needs as
per Human Life Value as on today?

Life insurance, insurance for the maintenance and replacement of plant and machinery, annuities, are all examples of
insurance products that serve

Funds which invest only in the stocks comprising an index and aim to give returns commensurate with the index returns
are called _________.

Under Call option the buyer has

In the case of index futures contracts, the daily settlement price is the ______.

Two assets A and B have a correlation coefficient of -0.325. It means that

The relationship between the bond prices and interest rates is one of the following

In case of interest rate movement, the price change is more for ________maturity bonds and less for __________maturity
bonds?

__________invests in start-up or early stage ventures or social ventures or SMEs or infrastructure or other sectors or areas
which the government or regulators consider as socially or economically desirable

If an Investor has completed KYC formalities with a Centralised KYC Registration Agency is applicable for

The government uses _________ to borrow for the short-term

Which of the following actions helps a consumer raise a low score or maintain a high one?

ISIN stands for __________.

A company with Rs.30 crores PBT, Rs.20 crores PAT, Rs.5 crores equity capital has Price/Earnings (P/E) ratio of 15. The
market price of the share will be

Assume you are an exporter and you want to sell USD that you have received as export remittance. The bank quotes a
price of 45.10/ 45.12 for USDINR. At what price can you sell one unit of USD?

Total risks comprises of:

Aditi is 30 years old. She deposits 25000 at the beginning of each year in deferred annuity scheme as a part of her
retirement planning. How much will be in the account after 25 years if it earns 9.5% compound annual interest?

Case Study:
Mr. R current annual income is Rs. 8.75 Lac which is expected to increase by 8% p.a. till he retires at 60 years of age. His current age is 36
years. Mr. R consumes 20% of his income on self and his professional upgrades. He wants to buy an insurance cover which shall provide for
the loss of income to his family in case of any eventuality with his life today. If the claim proceeds are invested in an investment instruments
returning 9% p.a., You compute the following:
Q18) Income required to sustain his family in the first year, in case of his death is _____

Case Study:
Mr. R current annual income is Rs. 8.75 Lac which is expected to increase by 8% p.a. till he retires at 60 years of age. His current age is 36
years. Mr. R consumes 20% of his income on self and his professional upgrades. He wants to buy an insurance cover which shall provide for
the loss of income to his family in case of any eventuality with his life today. If the claim proceeds are invested in an investment instruments
returning 9% p.a., You compute the following:
Q19) The differential growth rate of the investment instrument to generate a growing annual income stream to sustain his
family is _____

Case Study:
Mr. R current annual income is Rs. 8.75 Lac which is expected to increase by 8% p.a. till he retires at 60 years of age. His current age is 36
years. Mr. R consumes 20% of his income on self and his professional upgrades. He wants to buy an insurance cover which shall provide for
the loss of income to his family in case of any eventuality with his life today. If the claim proceeds are invested in an investment instruments
returning 9% p.a., You compute the following:
Q20) The insurance cover needed by Mr. R to replace the income needs of his family in case of his death is _____

Case Study:
Mr. R current annual income is Rs. 8.75 Lac which is expected to increase by 8% p.a. till he retires at 60 years of age. His current age is 36
years. Mr. R consumes 20% of his income on self and his professional upgrades. He wants to buy an insurance cover which shall provide for
the loss of income to his family in case of any eventuality with his life today. If the claim proceeds are invested in an investment instruments
returning 9% p.a., You compute the following:
Q21) What is human life value?

Case Study:
Mr. Mohit is a married man of age 43. He has a good job and he also saves regularly. He intends to send his daughter for higher education
which will be due in 5 years. The current cost of such education is Rs 15,00,000 per annum and this is incurred at the end of each year for 2
years. The inflation is likely to be at 15% pa. His has one more daughter whose marriage is scheduled at the end of 7th year and which will
cost Rs 1,00,00,000. The likely inflation is 10% pa. Mr. Mohit has saved Rs 2,00.00,000 to meet these two expenses by investing in both equity
and debt which is yielding 8% pa.
Q22) How much money will Mr. Mohit need to be set aside from the corpus at the end of Year 5, to finance the daughter’s higher
education? Assume the amount set apart will earn 6%interest

Case Study:
Mr. Mohit is a married man of age 43. He has a good job and he also saves regularly. He intends to send his daughter for higher education
which will be due in 5 years. The current cost of such education is Rs 15,00,000 per annum and this is incurred at the end of each year for 2
years. The inflation is likely to be at 15% pa. His has one more daughter whose marriage is scheduled at the end of 7th year and which will
cost Rs 1,00,00,000. The likely inflation is 10% pa. Mr. Mohit has saved Rs 2,00.00,000 to meet these two expenses by investing in both equity
and debt which is yielding 8% pa.
Q23) How much money will be required on account of daughter’s marriage in the year it is planned?

Case Study:
Mr. Mohit is a married man of age 43. He has a good job and he also saves regularly. He intends to send his daughter for higher education
which will be due in 5 years. The current cost of such education is Rs 15,00,000 per annum and this is incurred at the end of each year for 2
years. The inflation is likely to be at 15% pa. His has one more daughter whose marriage is scheduled at the end of 7th year and which will
cost Rs 1,00,00,000. The likely inflation is 10% pa. Mr. Mohit has saved Rs 2,00.00,000 to meet these two expenses by investing in both equity
and debt which is yielding 8% pa.
Q24) How much will be left in the corpus after both goals are fulfilled (assume that he does not set apart money in the 6%
corpus mentioned in Q9.1)?

Case Study:
Mr. Mohit is a married man of age 43. He has a good job and he also saves regularly. He intends to send his daughter for higher education
which will be due in 5 years. The current cost of such education is Rs 15,00,000 per annum and this is incurred at the end of each year for 2
years. The inflation is likely to be at 15% pa. His has one more daughter whose marriage is scheduled at the end of 7th year and which will
cost Rs 1,00,00,000. The likely inflation is 10% pa. Mr. Mohit has saved Rs 2,00.00,000 to meet these two expenses by investing in both
equity and debt which is yielding 8% pa.
Q25) How would you describe the investment policy Mr.Mohit is using for the corpus?