Fintoo

Financial Planning Report For
GURUDUTT S
21st December 2022
[ SEBI RIA Registration No: INA000015756 ] www.fintoo.in fintooapp fintooapp

Index
01 02
Introduction Assets & Liabilities
1.1 | Assumption 2.1 | Asset Summary
1.2 | About You 2.2 | Liability Statement
1.3 | Risk Appetite 2.3 | Net Worth Analysis
1.4 | Gross Inflow - OutFlow 2.4 | Fintoo Recommends
1.5 | Scorecard 2.5 | Portfolio Analysis Report
03 04
Goal Analysis Contingency & Risk Management Planning
3.1 | Goal Analysis 4.1 | Emergency Corpus
3.2 | Goal Asset Mapping 4.2 | Insurance Policy
3.3 | Asset Goal Mapping 4.3 | Current Insurance Policies
3.4 | Goal Asset Mapping Analysis 4.4 | Life Insurance
4.5 | Medical Insurance
05 06
Cashflow Analysis Retirement Planning
5.1 | Netsurplus/Shortfall 6.1 | Info Summary
5.2 | Cash-inflow 6.2 | Retirement Corpus
5.3 | Cash-outflow 6.3 | Projected Post - Retirement Cashflow
5.4 | Fintoo Recommends 6.4 | Thank You
6.5 | Glossary
6.6 | Disclaimer
Founder's Note
Dear Gurudutt S,
Congratulations!
You have taken the first and the most important step towards creating a secured financial future for yourself and
your family. Before we get started, I would like to thank you for placing your trust in Fintoo.
I promise you expert guidance and tailored advice in the form of a customized, detailed financial plan that has
been specially created to address your needs.
If you’re wondering how financial planning helps, remember that it offers direction to your goals and ensures
that you’ll also be able to provide yourself with a comfortable life post-retirement when you invest in this
exercise.
I would also like to take a moment to remind you that the best financial plan is one that’s reviewed regularly.
This ensures that it is effective despite your changing needs, goals and responsibilities. To this effect, we will
schedule regular reviews to keep you on track and tally assumptions with actual outcomes.
Should you require any clarifications and/or modifications in the plan, we are happy to assist you.
We look forward to being your partner on this fruitful journey.
If at any point of time you need my attention, you can reach me at [email protected].
I truly believe that our connection with our customers is beyond just a few transactions.
warmth,
Manish.P
(Founder)
Assumptions
Rate Of Return Assumption
Two elements form the basis of an effective financial plan;
1. Input data
2. Assumptions
After understanding your current financial position and performing an in-depth analysis of the information collected
during the Data Gathering Process, our financial experts have identified a perfect starting point for you along with
making logical assumptions about your investments returns, expenses and inflation etc.
It is extremely important for you to know about these assumptions as they are the variable factors that will shape
your financial plan and will also have an impact on its efficacy.
Note: Making The Changes In The Assumption Will Change The Calculation Based On It
Rate Of Return (ROR) Compound Annual Growth Rate (CAGR %)
Debt Post-Retirement 6
Debt Pre-Retirement 8
Equity Post-Retirement 10
Equity Pre-Retirement 12
Gold 9
ROR for Human Life Value 10
Liquid Fund 4
Real Estate 10
Here’s What Each Part Of Your Rate Of Return Stands For:
1. Debt Post-Retirement: This is the rate of return that is assumed for debt investments that you make
after retirement. Our experts use it to make post-retirement cash flow recommendations and for
calculations about retirement planning.
2. Debt Pre-Retirement: This is the rate of return that is assumed for debt investments that you make
before retirement. Our experts use it to determine cash flow and for asset mapping.
3. Equity Post-Retirement: This is the rate of return that is assumed for equity investments that you
make after retirement. Our experts use it to make post-retirement cash flow recommendations and for
calculations about your retirement planning.
4. Equity Pre-Retirement: This is the rate of return that is assumed for equity investments that you
make before retirement. Our experts use it to determine cash flow and for asset mapping.
5. Gold: This is the rate of return that is assumed for all your gold investments, be it physical gold, gold
ETFs or gold mutual funds. Our experts use it to make cash flow recommendations and for asset
mapping.
1
6. Human Life Value (HLV) Rate: This is called the Human life Value Rate which is used to calculate the
life insurance corpus required for you. Basically, the assumption is if something unfortunate happens to
you and your family claims the insurance money from the insurance company then they would be
investing the entire insurance Sum Assured at this rate.
7. Liquid Fund: It is assumed that this rate of return is offered by short-term liquid fund investments that
you make for building an emergency fund. Our experts use it to make cash flow recommendations and
for asset mapping.
8. Real Estate: This is the rate of return that is assumed for all your real estate investments. Our experts
use it to make cash flow recommendations and for asset mapping.
Inflation Assumptions
Inflation Rate Percentage (%)
Gurudutt S House Rent 7
Gurudutt S Household Expenses 7
Post Retirement Inflation 5
1. Post-Retirement Inflation: All the expenses that you will incur after retirement are inflated at this
rate. Our experts use it to make post-retirement cash flow recommendations and to determine the
quantum of corpus you need for your retirement.
2
Profile
“The only way you will ever permanently take control of

your financial life is to dig deep and fix the root
problem.”
- Suze Orman
Let us start by reviewing the details that you have shared about yourself and your family as this lays the
groundwork for your financial plan.
Name PAN Age

Gurudutt S GDTPS2042L 28
Mobile Number Family Member Retirement Age

8553507018 1 50
Email Address No. of Dependents Life Expectancy

[email protected] 1 70
About Your Family
Members
 Mother
Shashikala CN
62, Female
3
Risk Appetite
Your Avatar
Risk Profile : Aggressive
You are an aggressive investor and are not afraid to take risks if the
investment is likely to offer high growth.
Investment Philosophy
4
Gross Inflow - Outflow
Gross Inflow
Gross inflow represents all your incomes. The table below summarizes your streams of income, some of which are
fixed, while others are variable. Similarly, some cash inflows occur only once, while others are recurring.
Category Name Of Holder Income Name Frequency Monthly (₹) Yearly (₹) (Till 31st Dec, 2022)
Salary & Bonus Gurudutt S Salary & Bonus Monthly 98,000 98,000
Gross Inflow 98,000 98,000
Gross Outflow
The table below lists all your cash outflows from now until you retire. In other words, it lists all the expenses that
you will make during this period. Examples of cash outflows include mandatory fixed expenses, mandatory variable
expenses, wishful variable and wishful fixed expenses. The table also takes into account average inflation for all
future expenses.
Mandatory Variable Expenses Mandatory Fixed Expenses
₹62,000 (81%) ₹15,000 (19%)
Wishful Variable Expenses Wishful Fixed Expenses
₹0 (0%) ₹0 (0%)
5
Gross Inflow Gross Outflow
19.0%
81.0%
100.0%
Mandatory Variable
Salary & Bonus Mandatory Fixed
Notes
All the calculations in the above table are made as per the calendar year. Eg. If you start your financial
planning in the month of September, the gross outflow analysis for the first year will be calculated from
September to December.
6
Total Savings / Deficit
Gross inflow less gross outflow represents your current total savings. Having adequate savings is the first step to
creating wealth. The table below indicates your monthly, as well as yearly saving potential.
Type Monthly (₹) Yearly (₹) (Till 31st Dec, 2022)
Total Gross Inflow 98,000 98,000
Total Gross Outflow 77,000 77,000
Total Savings 21,000 21,000
Total Savings (Yearly)

125 K
₹ 98,000
100 K
₹ 77,000
Amount In (₹)
75 K
50 K
25 K ₹ 21,000
Gross Inflow Gross Outflow Savings
Existing Insurance & Investment Commitment
This table summarises all of your existing as well as periodic commitments. It includes premium payments for
various insurance policies and also lists your expenses towards existing investments like Systematic Investment
Plans (SIPs), Public Provident Fund (PPF), and Employees’ Provident Fund (EPF), and others.
Amount Per Annum (₹)

Category Scheme Name Of The Holder Amount (₹) Frequency
(Till 31st Dec, 2022)
Debt PPF/ GPF/ VPF Gurudutt S 5,000 Quarterly 5,000
Equity Equity Mutual Funds Gurudutt S 2,000 Monthly 2,000
Debt Debt Mutual Funds Gurudutt S 2,000 Monthly 2,000
Gold Gold Mutual Fund Gurudutt S 2,000 Yearly 2,000
Gross Total 17,000 17,000
7
Investable Surplus / Shortfall
Investible surplus is the money available for making fresh investments. It is that portion of your total savings that
is left over after subtracting the amount earmarked for existing insurance and investment commitments.
If this number is negative, it means that your current commitments exceed your total savings and that you have
an investible shortfall. In this case it’s best that you revisit your budget and curb unnecessary expenses to amplify
savings.
Type Monthly (₹) Yearly (₹) (Till 31st Dec, 2022)
Saving ( A ) 21,000 21,000
Existing Insurance & Investment Commitment ( B ) 10,000 17,000
Net Investable Surplus ( A - B ) 11,000 4,000
Total Investable Surplus (Yearly)

25 K
₹ 21,000
20 K
₹ 17,000
Amount In (₹)
15 K
10 K
5K ₹ 4,000
Total Savings Existing Insurance & Investment Commitment Total Investable Surplus
8
Your Scorecard
We know that you are committed to improving your money management skills and strengthening your financial
health. However, before you make any decisions, it’s a good idea to analyse where you stand currently and get
an idea about your strengths and weaknesses. You can learn this through financial ratios. We have evaluated
your performance with the help of 5 such ratios and scored you on a scale of 1 to 100. Once you know where
you stand you can chart your next steps accordingly.
Saving Ratio Expense Ratio
8/20 14/20
Savings / Total Income = ₹21 K / ₹98 K = 21% Expense / Total Income = ₹77 K / ₹98 K = 79%
Your Ideal Saving Should Be 50% Of Your Your Ideal Expense Should Be 50% Of Your
Income Income
With increasing inflation and a longer In addition to maximising your income, you
lifespan, it is incredibly important for you to must also focus on limiting your expenses for
be a smart saver! We are not saying that smart money management. It is wise to keep
you shouldn’t enjoy your life, but remember track of how much you are spending and
that the more you save, the more you can what you are spending on.You are currently
grow your wealth. Currently, you are saving spending more than 51% of your income.
between 21% and 30% of your income.
9
Networth Ratio Liquidity Ratio
0/20 0/20
Total Assets-Total Liabilities = ₹6.69 Lac-₹33.77 Liquid Assets / Monthly Expenses = ₹20 K / ₹77
Lac = ₹(27.09) Lac K=0
Your Ideal Networth Should Be ₹32.93 Lac Your Ideal Liquid Fund Should Be Sufficient
For Your 6 Months Of Expenses
Net worth is an accurate measure of your
financial health. It is the amount that’s This ratio indicates your ability to encash
leftover when you subtract your total liquid assets to meet household expenses,
liabilities from your total assets. pay rent, EMIs and education fees when
faced with an unpleasant situation such as a
medical emergency, job loss, etc. At present,
your liquid assets are Zero. This means that
in an emergency, you cannot manage any
essential expenses.
Solvency Ratio
0/20
NetWorth/Total Assets = ₹(27.09) Lac/₹6.69 Lac

= (405)%
Your Ideal Solvency Ratio Should Not Be

Less Than 50%
Solvency ratio indicates your ability to repay

existing debts using your existing assets.
Being solvent is key to achieving long-term
financial success. Currently, your score is
Zero which means that your liabilities are
very high and your current assets won’t be
able to cover them. To remedy this, draft a
plan to repay your loans and reduce your
liabilities. Also, aim to add to your assets.
10
Overall Score
Excellent
Your Scorecard is 22 out of 100 which is Average.
Very Good
This is an average score and it indicates that you have made Good
a good start, but there’s plenty of room for growth! Average
While this score is based on your savings ratio, expense ratio, Not Good
net worth, liquidity ratio and solvency ratio, take a look at how
you have fared in these areas individually to understand
where you can improve.
Fintoo Recommends
Saving Ratio
Your current saving ratio is 21% of your total income and your ideal saving ratio is 50%.
So, in order to improve your saving ratio, you must increase your savings by 29%.
Expense Ratio
Your expense ratio is 79% of your total income. The ideal expense ratio is 50%. As your
expenses are more than the base limit, we recommend you reduce your expenses by
29%. Your initial deductions should be from the wishful expenses, and if you do not
have any wishful expenses, you must reduce your mandatory expenses.
Net Worth Ratio
As your net worth score is zero / negative, it’s extremely important for you to focus all
your energies on eliminating loans and simultaneously building assets.
Liquidity Ratio
We recommend that you must build your liquid assets to accommodate emergency
expenses. If you are a single earner in your family, you must maintain an emergency
corpus worth at least 6 months of your expenses.
Solvency Ratio
This is a critical financial situation and it may lead to you becoming insolvent. We
recommend you to immediately minimise your liabilities and start working towards
increasing your assets. This will help you improve your solvency ratio and your financial
stability.
11
Your Asset Summary
“How many millionaires do you know who have become

wealthy by investing in savings accounts? I rest my
case.”
- Robert G. Allen
Assets are items of value that you possess such as mutual funds, fixed deposits, stocks, property, liquid funds, etc.
Having a mix of assets such as equity, debt, cash and alternate assets is considered to be best as it allows you to
reap substantial returns. Take a look at all your current assets and the asset type that they fall under in the table
below.
Financial Assets
Category Name Current Value (₹)
Equity 1,58,068
Debt 56,630
Liquid 20,000
Alternate 3,00,000
Gold 1,33,838
Total Value 6,68,537
Asset Matrix
Total Value: 100.00%
Financial Assets
12
Your Current Equity Investment
Although high in risk, investing in equity offers substantial returns that help you beat inflation in the long run.
Typically, this category includes direct stocks, equity mutual funds, derivatives, etc.
Gurudutt S
Sub - Invested Current Gain/Loss Absolute

Name Of Investment
Category Amount (₹) Value (₹) (₹) (%)
SBI Small Cap Fund(G)- Equity Mutual

23,999 26,243.84 2,244.84 9.35
Direct Plan Funds
Axis Midcap Fund(G)-Direct Equity Mutual

23,998 24,594.90 596.90 (99.68)
Plan Funds
Parag Parikh Flexi Cap Equity Mutual

23,999 24,406.76 407.76 1.70
Fund(G)-Direct Plan Funds
Quant Absolute Fund(G)- Equity Mutual

17,999 19,685.94 1,686.94 9.37
Direct Plan Funds
Equity
LICI 13,560 11,099.25 (2,460.75) (18.15)
Shares
Equity
TATAPOWER 4,640 4,357 (283) (6.1)
Shares
Equity
ONGC 4,655 5,104.75 449.75 9.66
Shares
Equity
DABUR 5,650 5,795 145 2.57
Shares
Equity
SBIN 5,030 6,044.50 1,014.50 20.17
Shares
Equity
VEDL 5,680 6,242 562 9.89
Shares
Equity
EXIDEIND 4,830 6,667.50 1,837.50 38.04
Shares
Equity
TATAMOTORS 8,680 8,210 (470) (5.41)
Shares
Equity
MAN50ETF 9,400 9,617.50 217.50 2.31
Shares
Total 1,52,120 1,58,068.94 5,948.94 (26.28)
13
14
Your Current Debt Investment
Debt investments carry lower risk and offer guaranteed returns in some cases. Examples of debt investments
are Public Provident Fund (PPF), Employees’ Provident Fund (EPF), Voluntary Provident Fund (VPF), fixed
deposits, recurring deposits, post office saving schemes, bonds, etc.
Sub - Name Of Invested Current Maturity Maturity

Name Of Assets
Category The Holder Amount (₹) Value (₹) Date Amount (₹)
Cash
Cash balance Gurudutt S 20,000 20,000 - -
Balance
PPF/ GPF/
Ppf Gurudutt S 0 32,000 14/10/2044 11,19,532
VPF
Debt
Kotak Dynamic Bond
Mutual Gurudutt S 23,999 24,629 - -
Fund(G)-Direct Plan
Funds
Total 43,999 76,629 11,19,532
15
Your Alternate Investment Summary
An alternative investment is defined as an investment in an asset class that isn’t stocks, bonds or cash. It
usually refers to tangible assets and also includes precious metals such as gold, silver, as well as art, wine, etc.
Gurudutt S
Absolute
Sub - Invested Current
Name Of Assets Category Return
Category Value (₹) Value (₹)
(%)
Others Gold Others 21,60,000 1,08,320 -95
Gold
ICICI Pru Regular Gold Savings
Gold Mutual 23,999 3,41,74,576 0
Fund(FOF)(G)-Direct Plan
Fund
Rsu Others Others 0 3,00,000 0
Total 21,83,999 3,45,82,896 -95
16
Your Current Liability
Liabilities refer to what you owe. This category includes items such as a home loan, car loan or personal loan that
you have taken, as well as credit card dues, amongst others. Ideally, you shouldn’t have too many loans that
require you to pay a high rate of interest. In fact, debt management is an important aspect of your financial plan as
it helps you address liabilities quickly, minimise unnecessary interest outgo, and thereby build your investible
surplus. Take a look at your existing liabilities in the table below.
Gurudutt S
Interest Rate EMI Current Outstanding

Name Of Liability Sub-Category End Date
(%) (₹) (₹)
Other Property Other Property

8.75 42,328 33,77,400 01/12/2032
Loan Loan
Total Liability 33,77,400
Liability Matrix
100.0%
Other Property Loan
17
Net Worth Analysis
Simply put, net worth is a picture of your financial worth. It is viewed in your net worth statement, and is the
amount that’s left over when you subtract your total liabilities from your total assets. Knowing your net worth is
important because it makes you aware of where you stand currently. Accordingly, you can determine the steps you
need to take to reach your goal and the time it will take you to do so. The table below will give you more
information on this aspect.
Net Worth
Category Gross Assets(₹) (A) Gross Liabilities(₹) (B)
Alternate 3,00,000
Debt 56,630
Equity 1,58,068 Total Networth(₹) (A-B)
Gold 1,33,838 (27,08,862)

Liquid 20,000
Liability 33,77,400
Total 6,68,537 33,77,400
Net worth is an accurate measure of your financial health. It is the amount that’s leftover when you subtract your
total liabilities from your total assets.
Your current net worth is (₹27,08,862) Your ideal net worth is ₹32,92,800 .
As your current net worth is less than the base limit, we recommend you to increase your net worth by reducing
your liabilities and increasing your investments. As your net worth score is low, it means that you need to urgently
pay attention towards building your assets and managing your liabilities.
Ideal Net Worth: ₹32,92,800 Current Net Worth: ₹(27,08,862)
18
Fintoo Recommends
Asset Allocation:
Ideal Asset Allocation
To encourage sound financial decision making, our experts have created a table that details ideal asset
allocation for you. This will help you understand the asset classes that you should focus on for good results
and the instruments that you should pick from the thousands that are available. Ideal asset allocation
includes rebalancing your asset portfolio as per your risk appetite, as well as upcoming goals that you want
to achieve in the next 2 years. It also accounts for contingencies.
Particular Percentage (%) Amount (₹)
Equity 15.5 99,560
Debt 5.6 36,203
Real Estate 2.8 18,101
Liquid 71.8 4,62,000
Alternate 2.8 18,101
Gold MF/ETF/SGB 1.4 9,050
Total Asset 100 6,43,018
Current Asset Allocation
‘Don’t put all your eggs in one basket’ aptly describes why asset allocation is important. It simply means that
your portfolio must feature a mix of equity, debt, cash, alternate assets, etc. to help you minimize your
exposure to risk and maximise returns. So, take a look at your current asset allocation in the table below.
Particular Percentage (%) Amount (₹) Variance (₹)
Equity 24.6 1,58,068 (58,509)
Debt 8.8 56,629 (20,426)
Real Estate 0 0 18,102
Liquid 3.1 20,000 4,42,000
Alternate 46.7 3,00,000 (2,81,898)
Gold MF/ETF/SGB 16.8 1,08,320 (99,269)
Total Asset 100 6,43,018
19
Notes
It’s important to note that self-occupied property and physical gold are not taken into account when
carrying out this exercise.
The goal value of all the goals under two years and emergency corpus is considered in the liquid fund
while calculating ideal asset allocation.
If your goal value is greater than your total asset value, we will not consider the goal in the ideal asset
class liquid fund. Eg. If the total asset value is Rs.80,00,000/- and your goal value is Rs.2,00,00,000/-
within two years, we will not consider the goal value as asset class liquid fund
Idea Asset Allocation - Existing Asset Allocation = (If the value is negative - sell if the value is positive -
buy)
If the actual percentage of your existing asset class allocation is more than the ideal asset class
allocation percentage, then you need to sell the extra (percentage, asset class, additional allocations,
portion, amount) to maintain the ideal asset class allocation percentage.
Eg. If equity asset class allocation is 47.3%, then you need to sell the extra 14.3% to maintain the ideal
asset allocation of 33%.
20
Portfolio Analylsis Report
The portfolio analysis report contains information related to Mutual Funds, ULIP and Stocks which you have shared during
the data gathering process.
Portfolio Holdings
In this table we are showing the holdings of the entire Portfolio along with the ratings and their Returns of 1
year, 3 year and 5 years. It also indicates as how much % a particular stock holds in the entire portfolio.
Portfolio 1 3 Years 5 Years Weightage

Name Type Rating
Date Year Annualised Annualised (%)
SBI Small Cap

Funds 30/11/2022  13.00 30.72 15.89 12.60
Fund Dir Gr
ICICI Pru Reg

Gold
Funds 30/11/2022  8.14 10.39 11.29 12.26
Savings(FOF)
Dir Gr
Kotak Dynamic
Funds 15/12/2022  3.01 6.45 7.73 11.83
Bond Dir Gr
Axis Midcap Dir

Funds 30/11/2022  0.91 21.53 17.04 11.81
Gr
Parag Parikh
Flexi Cap Dir Funds 30/11/2022  -1.24 23.93 17.52 11.72
Gr
Quant
Funds 30/11/2022  19.56 31.89 20.38 9.45
Absolute Dir Gr
Life Insurance
Corporation of Stocks 19/12/2022  5.33
India
Mutual
Mirae Asset
Fund - 30/11/2022  10.97 17.05 13.69 4.62
Nifty 50 ETF
ETF
Tata Motors
Stocks 19/12/2022  -4.19 39.60 1.69 3.94
Ltd
Exide
Stocks 19/12/2022  17.12 0.08 -0.55 3.20
Industries Ltd
Vedanta Ltd Stocks 19/12/2022  16.82 48.70 13.52 3.00
State Bank of
Stocks 19/12/2022  32.65 21.68 13.97 2.90
India
Dabur India Ltd Stocks 19/12/2022  -0.23 9.50 12.28 2.78
Oil & Natural

Stocks 19/12/2022  7.01 10.00 0.76 2.45
Gas Corp Ltd
Tata Power Co
Stocks 16/12/2022  4.44 60.28 20.98 2.09
Ltd
21
Assset Allocation
The pie chart and table detail your portfolio's exposure to 4 asset classes, namely stocks, bonds, cash and
others. The ‘others’ category represents an asset class, such as real estate. The tables adjacent to the pie
chart mentions the asset allocation percentages, as well as the component long positions (assets) and
short/marginal positions (liabilities) of your portfolio.
Portfolio Asset Allocation Portfolio (%)
Stock 69.85
11.98% Bond 11.75

6.41%
Cash 6.41
11.75%
Other 11.98
69.85%
NotClassified 0.00
Stock Bond Cash

Other
22
Stock Sectors
This table lists the percentage of your portfolio’s equity assets that is invested in each of the three super
sectors (information, service, and manufacturing economies) and the 12 major industry sub-
classifications.The sector graph that accompanies the table takes into account three parameters: cyclical,
sensitive and defensive.
Stock Sectors Cyclical Stock (%)

80
Basic Materials 11.09
60
59.18% Consumer Cyclical 20.89
Financial Services 26.89

Units
40
Real Estate 0.31
23.63%
Total 59.18
20 17.19%
Cyclical Sensitive Defensive
Sensitive Stock (%) Defensive Stock (%)
Communication Services 2.39 Consumer Defensive 9.11
Industrials 10.58 Healthcare 3.07
Technology 4.50 Utilities 5.00
Energy 6.16 Total 17.19
Total 23.63
23
Investment Style
Through indicative ratios such as the price/book ratio, price/earnings ratio and price/cashflow ratio, this
section explains the style in which equity investments are being made.
Investment Style Equity Style Portfolio (%)
Price/ Book Ratio 3.54

L 18 37 19
Price/Earnings 22.64
Price/Cashflow 16.04
M 1 10 13
S 0 1 2
Value Blend Growth
0 10 20 30 40
24
Top 10 Underlying Holdings
This section shows you the top 10, most heavily-weighted underlying holdings in your portfolio. It pinpoints
the percentage of assets that each holding represents, the security type, the sector classification, and the
country of origin.
Assets (%) Name Type Sector Country
Mutual Fund -
12.25 ICICI Pru Gold ETF IND
ETF
Financial
5.33 Life Insurance Corporation of India Stocks IND
Services
Consumer
3.99 Tata Motors Ltd Stocks IND
Cyclical
Financial
3.49 State Bank of India Equity IND
Services
Bond -
3.32 7.42% Govt Stock 2033 IND
Gov't/Treasury
Consumer
3.20 Exide Industries Ltd Stocks IND
Cyclical
Basic
3.09 Vedanta Ltd Equity IND
Materials
Consumer
2.78 Dabur India Ltd Stocks IND
Defensive
2.48 Oil & Natural Gas Corp Ltd Stocks Energy IND
2.09 Tata Power Co Ltd Stocks Utilities IND
Performance Date
30/11/2022
Performance
As the name suggests, this section simply showcases the performance of your portfolio. Portfolio returns are
determined by asset-weighting the monthly returns of the portfolio’s holdings. Bear in mind that the same
returns are then used for all returns-based statistical calculations. In the table below you can find trailing
returns as well as periodic returns. In case of the latter, the performance is measured for various periods,
ranging from a few months and going up to a few years.
25
Performance
50000₹
₹39166 ₹39857
40000₹
₹35280
₹30578
30000₹ ₹26617
₹22481 ₹22941
₹20994 ₹21035 ₹21241
20000₹ ₹18363 ₹18151
₹16785
₹15062 ₹14894
₹13436
₹10000 ₹10284
10000₹
0₹
2 0 -0 3 1
2 0 3 -0 3 1
2 0 3 -0 3 0
2 0 3 -1 3 0
2 0 4 -0 3 1
2 0 4 -0 3 1
2 0 4 -0 3 0
2 0 4 -1 3 0
2 0 5 -0 3 1
2 0 5 -0 3 1
2 0 5 -0 3 0
2 0 5 -1 3 0
2 0 6 -0 3 1
2 0 6 -0 3 1
2 0 6 -0 3 0
2 0 6 -1 3 0
2 0 7 -0 3 1
2 0 7 -0 3 1
2 0 7 -0 3 0
2 0 7 -1 3 0
2 0 8 -0 3 1
2 0 8 -0 3 1
2 0 8 -0 3 0
2 0 8 -1 3 0
2 0 9 -0 3 1
2 0 9 -0 3 1
2 0 9 -0 3 0
2 0 9 -1 3 0
2 0 0 -0 3 1
2 0 0 -0 3 1
2 0 0 -0 3 0
2 0 0 -1 3 0
2 0 1 -0 3 1
2 0 1 -0 3 1
2 0 1 -0 3 0
2 0 1 -1 3 0
2 0 2 -0 3 1
2 0 2 -0 3 1
-0 3 0
30
13 2-
1 3-
1 6-
1 9-
1 2-
1 3-
1 6-
1 9-
1 2-
1 3-
1 6-
1 9-
1 2-
1 3-
1 6-
1 9-
1 2-
1 3-
1 6-
1 9-
1 2-
1 3-
1 6-
1 9-
1 2-
1 3-
1 6-
1 9-
2 2-
2 3-
2 6-
2 9-
2 2-
2 3-
2 6-
2 9-
2 2-
2 3-
22 6-
9-
2 0 2 -1
1
20
Growth Of 10000 INR
Trailing Returns Portfolio (%)
3 Months 3.15
6 Months 7.93
1 Year 6.49
3 Years 22.29
5 Years 14.39
YTD 4.97
Time Period Returns Best Worst
3 Months 27.65 (2011-12-31-2012-03-31) -19.89 (2019-12-31-2020-03-31)
6 Months 33.73 (2020-03-31-2020-09-30) -15.27 (2019-09-30-2020-03-31)
1 Year 69.79 (2020-03-31-2021-03-31) -14.55 (2019-03-31-2020-03-31)
3 Years Annualised 28.75 (2011-12-31-2014-12-31) -0.39 (2017-03-31-2020-03-31)
5 Years Annualised 19.16 (2011-12-31-2016-12-31) 3.80 (2015-03-31-2020-03-31)
Return Analysis
To determine the risk/reward scatter plot, the risk that each holding carries, as well its returns over a three-year
duration are taken into account. Here risk is determined as three-year standard deviation of returns, whereas
return is based on three-year mean returns. The risk/reward scatter plot also highlights the portfolio's overall
risk versus return.
26
Return Analysis
60 15
11
3 Yr Mean
40 9
6 1
4 12
20
8
2 13 14
3
0 10
10 20 30 40 50 60
3-Yr Standard Deviation
27
Top Portfolio Holdings
The following table shows you the top holdings in your portfolio, along with their weightage (expressed as a
percentage). To give you a deeper understanding, the mean and standard deviations for each of the top holdings is
also listed.
S.N. Name Weightage (%) Mean (%) Standard Deviation (%)
1 SBI Small Cap Fund Dir Gr 12.60 29.97 23.52
2 ICICI Pru Reg Gold Savings(FOF) Dir Gr 12.26 10.77 13.33
3 Kotak Dynamic Bond Dir Gr 11.83 6.31 3.00
4 Axis Midcap Dir Gr 11.81 21.63 19.76
5 Parag Parikh Flexi Cap Dir Gr 11.72 23.57 19.52
6 Quant Absolute Dir Gr 9.45 29.65 18.17
7 Life Insurance Corporation of India 5.33 0 0
8 Mirae Asset Nifty 50 ETF 4.62 18.25 21.74
9 Tata Motors Ltd 3.94 53.50 63.84
10 Exide Industries Ltd 3.20 4.57 30.37
11 Vedanta Ltd 3.00 57.22 57.16
12 State Bank of India 2.90 29.14 43.85
13 Dabur India Ltd 2.78 11.12 20.63
14 Oil & Natural Gas Corp Ltd 2.45 16.90 39.46
15 Tata Power Co Ltd 2.09 58.38 46.33
Statistics
R-Squared is an important factor that indicates to you the extent of correlation between a fund and its
benchmark.
Beta is used to measure the extent to which market movements impact a fund. When the portfolio’s beta is
higher than 1, it is said to be more volatile than the market. On the other hand, when the portfolio’s beta is
less than 1, it is deemed to be less volatile than the market.
Alpha indicates the gap between a fund's actual returns and its expected returns.
Sharpe Ratio helps determine the reward reaped per unit of risk that you take on when investing. It does so
by taking into account standard deviation and excess returns.
Standard Deviation measures the volatility of portfolio returns. For a specific fund, it does so simply. It
determines the extent of spread of a pre-determined set of values, both below and above the average.
28
Risk And Return Statistics 3 Years 5 Years
Standard Deviation 17.28 15.03
Arithmetic Mean 21.80 14.66
Sharpe Ratio 1.02 0.20
MPT Statistics 3 Years 5 Years
Alpha 8.45 2.80
Beta 0.70 0.70
R-Squared 0.84 0.80
Information Ratio 0.69 0.07
Tracking Error 9.69 9.00
29
Holdings Overlap
It is good to know if you are overexposed to a single stock so you can switch to another one where the
exposure is lesser. To this effect, the following table shows you whether owing to a cumulative effect, your
investments in multiple mutual funds have resulted in high exposure to a particular stock.
Weightage In Portfolio
Name ISIN Sector
Sector (%) Date
Consumer
Tata Motors Ltd INE155A01022
Cyclical
Oil & Natural Gas Corp Ltd INE213A01029 100.00 19/12/2022
Tata Power Co Ltd INE245A01021 0.95 16/12/2022
Financial
State Bank of India INE062A01020
Services
Axis Midcap Dir Gr INF846K01EH3 4.81 30/11/2022
Vedanta Ltd INE205A01025 100.00 19/12/2022
Basic
Vedanta Ltd INE205A01025
Materials
State Bank of India INE062A01020 100.00 19/12/2022
Oil & Natural Gas Corp Ltd INE213A01029 Energy
Tata Motors Ltd INE155A01022 100.00 19/12/2022
Consumer
ITC Ltd INE154A01025
Defensive
Kotak Dynamic Bond Dir Gr INF174K01JU2 7.23 15/12/2022
Financial
ICICI Bank Ltd INE090A01021
Services
ICICI Pru Reg Gold Savings(FOF)

INF109K01U92 4.35 30/11/2022
Dir Gr
Housing Development Finance Financial

INE001A01036
Corp Ltd Services
30
Weightage In Portfolio
Name ISIN Sector
Sector (%) Date
Reliance Industries Ltd INE002A01018 Energy
Financial
HDFC Bank Ltd INE040A01034
Services
ICICI Pru Reg Gold Savings(FOF)

INF109K01U92 2.09 30/11/2022
Dir Gr
Financial
Axis Bank Ltd INE238A01034
Services
31
Goal Analysis
“When it is obvious that the goals cannot be reached,

don't adjust the goals, adjust the action steps.”
- Confucious
Goal Analysis
With the help of Fintoo's financial planners you can set and prioritise your financial goals. These may range from
providing for your children’s education and supporting your elderly parents to repaying debt that will help you
improve your lifestyle. It could also include building wealth for retirement or saving for your children’s weddings.
Once you define your goals our experts can determine the best strategy for you. This will allow you to achieve
them in a timely manner through successful investing.
Goal Critical / Non Goal Present Future Inflation

Category Priority Frequency
Name Critical Year Value (₹) Value (₹) (%)
Marriage Marriage Critical High One-time 2023 6,00,000 6,25,307 7
Vehicle Vehicle Non-Critical Medium One-time 2023 5,00,000 5,36,069 7
11.61
Total Goal Amount 11 Lac
Lac
32
Goal Asset Mapping
In the table below you can view the goal amount, which is the amount of finance that is required to achieve your
goal after taking into consideration the probable rate of inflation. We have also linked some of your assets and
investments to this goal that will help you achieve it. This exercise is known as asset mapping for your goals.
The most important takeaway of this table is that you can see whether your goal will be fully or partially
achieved post asset mapping.
Goal Future Value Linked Asset Future Surplus / (Shortfall)

Goal Name Linked Asset Name
(₹) Value (₹) (₹)
Marriage -
6,25,307 Others | Others 1,14,172 (5,11,135)
Gurudutt S
Vehicle - Gurudutt
5,36,069 No Assets Linked 0 (5,36,069)
S
Total 11,61,376 1,14,172 (10,47,204)
33
Asset Goal Mapping
Asset Goal Mapping
In financial planning, it is important to utilise your assets and investments smartly to achieve your goals. Therefore,
linking your assets to your goals helps you identify the potential of the asset to achieve your goal.The table below
highlights which of your assets are linked to which particular goals. This linking can either be done manually by you
or automatically by Fintoo.
Current Value
Name Of Name Of The Linked /
Category Sub-Category / Maturity Goal Name
Assets Holder Unlinked
Value
Linked By Marriage -
Others Gold Others Gurudutt S 1,08,320
You Gurudutt S
retirement
Linked By
Ppf Debt PPF/ GPF/ VPF Gurudutt S 11,19,532 goal -
You
Gurudutt S
SBI Small
Equity Mutual Linked By Marriage -
Cap Fund(G)- Equity Gurudutt S 26,243
Funds Fintoo Gurudutt S
Direct Plan
Axis Midcap
Equity Mutual Linked By Vehicle -
Fund(G)- Equity Gurudutt S 24,594
Direct Plan
Parag Parikh
Flexi Cap Equity Mutual Linked By Marriage -
Equity Gurudutt S 24,406
Fund(G)- Funds Fintoo Gurudutt S
Direct Plan
Quant
Absolute Equity Mutual
Equity Gurudutt S Unlinked 19,685 -
Fund(G)- Funds
Direct Plan
Kotak
Dynamic
Debt Mutual Linked By Marriage -
Bond Debt Gurudutt S 24,629
Fund(G)-
Direct Plan
ICICI Pru
Regular Gold
Savings Gold Mutual Linked By Vehicle -
Gold Gurudutt S 25,518
Fund(FOF) Fund Fintoo Gurudutt S
(G)-Direct
Plan
Linked By Marriage -
Rsu Others Others Gurudutt S 3,00,000
Fintoo Gurudutt S
Life
Insurance Equity
Corporation Shares
of India
34
Current Value
Name Of Name Of The Linked /
Category Sub-Category / Maturity Goal Name
Assets Holder Unlinked
Value
Tata Power Equity Linked By Marriage -

Company Ltd Shares Fintoo Gurudutt S
Oil & Natural

Equity Linked By Vehicle -
Gas Corpn Equity Gurudutt S 5,104
Shares Fintoo Gurudutt S
Ltd
Dabur India Equity Linked By Marriage -

Ltd Shares Fintoo Gurudutt S
State Bank of Equity

India Shares
Equity Linked By Marriage -

Vedanta Ltd Equity Gurudutt S 6,242
Shares Fintoo Gurudutt S
Exide Equity Linked By Vehicle -

Industries Ltd Shares Fintoo Gurudutt S
Tata Motors Equity Linked By Marriage -

Ltd Shares Fintoo Gurudutt S
Mirae Asset Equity

Nifty 50 ETF Shares
35
Unlink Assets (Non-Linkable)
We don’t recommend linking certain unlinked assets to your goals even if there is a shortfall for the said goals, as
these are most often personal assets. The following assets are considered to be unlinked assets and won’t be linked
to any goal.
Summary Reports Of Your Unlinked Assets (Non-Linkable)
Owner Category Sub-Category Asset Name Current Value / Maturity Amount (₹)
Gurudutt S Liquid Cash Balance Cash balance 20,000
Notes
Linked by Fintoo: Goals not manually linked to any assets are automatically linked by Fintoo after
analysing the possibilities of the particular asset fulfilling your goal.
Linked By You & Fintoo: Goals manually linked to assets can also be automatically linked by Fintoo
to another goal if the analysis shows that the remaining surplus from the asset can be utilised to
achieve another goal too.
Linked By You: Goals manually linked by you to the assets of your choice.
Unlinked: Goals not linked to any assets.
The details of assets are per the data that you have shared with us. Moreover, should you wish that we
avoid linking a particular asset to any of your goals and mark it as non-linkable, simply let Fintoo know!
36
Goal Asset Mapping Analysis
Marriage
Gurudutt S
Present Value Goal Future Value Goal Year Inflation

6,00,000 6,25,307 31-07-2023 7%
Linked Assets by You
The below table highlights the assets manually linked by you with your desired financial goals. We have also
added a note mentioning the assumed Rate Of Return (ROR) for the asset classes linked by you to get the
future value.
Linked Assets Linked Assets Future Value (₹)
Others | Others | Gurudutt S 1,14,172
Gross Total 1,14,172
Surplus / (Shortfall) (5,11,135)
Fintoo Recommends
As you can see in the table below, there are certain goals that you aren’t able to achieve fully. To
help you remedy this, we have linked your currently unlinked assets to these goals. Take a look at
the table below for more information.
37
Assets Linked By Fintoo Future Value Of Assets (₹)
Equity Mutual Funds / SBI Small Cap Fund(G)-

42,454
Direct Plan / Gurudutt S
Equity Mutual Funds / Parag Parikh Flexi Cap

40,485
Fund(G)-Direct Plan / Gurudutt S
Debt Mutual Funds / Kotak Dynamic Bond

40,249
Fund(G)-Direct Plan / Gurudutt S
Others / Rsu / Gurudutt S 3,14,434
Equity Shares / Tata Power Company Ltd /

4,669
Gurudutt S
Equity Shares / Dabur India Ltd / Gurudutt S 6,210
Equity Shares / Vedanta Ltd / Gurudutt S 6,689
Equity Shares / Tata Motors Ltd / Gurudutt S 8,798
(Shortfall) (47,147)
Additional Investment
As your current investments are not sufficient to achieve your goal, we recommend that you make
fresh investments to accumulate the necessary finance. Based on your risk profile and the tenure of
the goal, here are the options our experts consider best for you.
Monthly Investment OR Lumpsum Investment
Allocati Return Percent Monthly Investment Lumpsum Investment Future Value

Asset Type
on age (₹) (₹) (₹)
Large Cap Equ

20% 11% 1,256 8,850 9,429
ity
Mid Cap Equit

20% 13% 1,249 8,754 9,429
y
Long Term De
20% 9% 1,262 8,948 9,429
bt
Hybrid 40% 10% 2,518 17,797 18,858
Total 6,286 44,349 47,147
38
Goal Asset Mapping Graph
Assets Link ₹ 1,14,172 ₹ 4,63,988
Goal Amount ₹ 0 ₹ 6,25,307
0 100 K 200 K 300 K 400 K 500 K 600 K 700 K

Values
Goal Amount Assets Recommended By Fintoo

Assets Linked By Fintoo Assets Linked By You
Notes
The Rate Of Return (ROR) for the Gold Asset Class, Eg. Gold ETF, Gold Mutual Funds, SGB, etc.
linked to achieve your goals is assumed to be 9.0% per annum, as per the market standards or as
manually edited by you.
The Rate Of Return (ROR) for the Equity Asset Class Eg. Shares, Equity Mutual Funds, PMS, ESOPs
etc. linked to achieve your goals is assumed to be 12.0% per annum, as per the market standards
or as manually edited by you.
The Rate Of Return (ROR) for the Debt Asset Class Eg. Debt Mutual Funds, Govt. Schemes, NCD,
39
Vehicle
Gurudutt S
Present Value Goal Future Value Goal Year Inflation

5,00,000 5,36,069 31-12-2023 7%
The below table highlights the assets manually linked by you with your desired financial goals. We have also
added a note mentioning the assumed Rate Of Return (ROR) for the asset classes linked by you to get the
future value.
No Asset Linked
Surplus / (Shortfall) (5,36,069)
Fintoo Recommends
As you can see in the table below, there are certain goals that you aren’t able to achieve fully. To
help you remedy this, we have linked your currently unlinked assets to these goals. Take a look at
the table below for more information.
Assets Linked By Fintoo Future Value Of Assets (₹)
Equity Mutual Funds / Axis Midcap Fund(G)-Direct

52,389
Plan / Gurudutt S
Gold Mutual Fund / ICICI Pru Regular Gold

52,625
Savings Fund(FOF)(G)-Direct Plan / Gurudutt S
Equity Shares / Oil & Natural Gas Corpn Ltd /

5,737
Gurudutt S
Equity Shares / Exide Industries Ltd / Gurudutt S 7,493
(Shortfall) (4,17,825)
Additional Investment
As your current investments are not sufficient to achieve your goal, we recommend that you make
fresh investments to accumulate the necessary finance. Based on your risk profile and the tenure of
40
the goal, here are the options our experts consider best for you.
Monthly Investment OR Lumpsum Investment
Allocati Return Percent Monthly Investment Lumpsum Investment Future Value

Asset Type
on age (₹) (₹) (₹)
Large Cap Equ

20% 11% 6,437 75,074 83,565
ity
Mid Cap Equit

20% 13% 6,376 73,710 83,565
y
Long Term De
20% 9% 6,499 76,489 83,565
bt
Hybrid 40% 10% 12,937 1,51,550 1,67,130
Total 32,251 3,76,823 4,17,825
Goal Asset Mapping Graph
Assets Link ₹ 1,18,244 ₹ 4,17,825
Goal Amount ₹ 0 ₹ 5,36,069
0 100 K 200 K 300 K 400 K 500 K 600 K

Values
Goal Amount Assets Recommended By Fintoo

Assets Linked By Fintoo
Notes
The Rate Of Return (ROR) for the Gold Asset Class, Eg. Gold ETF, Gold Mutual Funds, SGB, etc.
linked to achieve your goals is assumed to be 9.0% per annum, as per the market standards or as
manually edited by you.
41
Contingency & Risk Management Planning
“Life Insurance is the only tool that makes pennies and

guarantees dollars.”
- Ben Feldman
Emergency Corpus
Emergencies may arise due to many reasons like health issues, job loss, disability, unexpected expenses,
etc. These emergencies may lead to a reduction or stoppage of one’s income. But, regular household
expenses don’t stop. So, it is important to plan out an emergency corpus for such situations.
Emergency Corpus
Type Amount (₹)
Monthly Expenses 77,000 Emergency Corpus(₹) (A-B)
Emergency corpus Required ( Monthly Expenses * 6 ) ( A ) 4,62,000 Shortfall (4,42,000)

Liquid Assets Available ( B ) 20,000
Fintoo Recommends
As per our calculations, the ideal amount for your emergency corpus is ₹4,62,000. Currently, the amount
of your available liquid assets is ₹20,000, which is less than the ideal amount. Therefore, we recommend
you to increase the amount of your emergency corpus for better financial security.
42
Current Life Insurance
If we can imagine a situation where our goals are affected by acts beyond our control, we realise the importance
of insurance in our lives. Insurance enables us to live without worrying about the impact of uncertain events that
could hamper our life along with the lives of our loved ones.
Policy Name Of Start End Sum Assured Premium Premium

Type
Name Holder Year Year (₹) Payable (₹) Frequency
Term Term
Gurudutt S 2021 2031 1,00,00,000 38,691 Yearly
Plan Plan
Total 1,00,00,000 38,691
43
Life Insurance
As an earning member of your family, it’s essential that you buy life insurance. It provides you with a layer of
protection against situations that are out of your control and in turn, offers peace of mind. In other words, in the
event of your demise, the amount that your family will receive will help them to meet their financial needs.
Purchasing appropriate life insurance will help maintain their standard of living and ensure that they are able to
repay outstanding debts, if any. Moreover, you will be able to provide for your family’s future needs, be it your
children’s education, their weddings, or your spouse’s retirement.
Particular Annual Amount (In ₹)
Critical Expenses
Regular expenses till lifetime 1,02,96,941
Total Critical Expenses (A) 1,02,96,941
Outstanding Debt
Other Property Loan 33,77,400
Total Liabilites (B) 33,77,400
Total Ideal Insurance (1) ( A + B ) 1,36,74,341
Policy Details
In the table below you’ll find details of the existing life insurance policies that you have purchased.
Sum Assured
Policy Name
(₹)
Term Plan 1,00,00,000
Total Existing Insurance (2) 1,00,00,000
- Ideal Insurance cover required less existing insurance that you already have will give the additional life insurance
cover that you need to buy.
Ideal Insurance cover (1) 1,36,74,341
Existing Insurance cover (2) 1,00,00,000
Additional Insurance Required (1-2) 36,74,341
44
Life Insurance
15 M
₹ 1,36,74,341
₹ 1,00,00,000
10 M
Amount In (₹)
5M
₹ 36,74,341
Ideal Cover Existing Cover Additional Insurance Required
45
Medical Insurance Coverage
Today, when stress and lifestyle-related health issues are rapidly increasing, a large number of young and middle-
aged individuals are being diagnosed with diseases that were once considered to be rare and acquired only at old
ages. While health is deteriorating and health care is becoming more and more expensive, buying a health
insurance policy for yourself and your family has become extremely important.
Hospitalisation can burn a hole in your pocket and derail your finances. It will become even more difficult if the
earning member needs to get hospitalised. All this can be avoided by just paying a small annual premium which
would lessen your stress in case of medical emergencies. A good health insurance policy would usually cover
expenses made towards doctor consultation fees, costs towards medical tests, ambulance charges, hospitalization
costs and even post-hospitalization recovery costs to a certain extent.
Parameters Considered To Calculate Your Ideal Medical Insurance Cover:
1. Location
2. Lifestyle
3. Current Health Status
4. Affordability
Sum Assured
Coverage
(₹)
Ideal Health Coverage For Family (A) 6,00,000
Existing Personal Cover (B) 0
Shortfall (A-B) (6,00,000)
Medical Insurance
1,000 K
₹6,00,000
₹6,00,000
500 K
Amount In (₹)
₹0
₹0
0
-500 K
₹(6,00,000)
₹(6,00,000)
-1,000 K
Ideal Health Cover Existing Personal Cover Shortfall
46
Cash Flow Analysis
“Beware of little expenses; a small leak will sink a great

ship.”
- Benjamin Franklin
Net Surplus / Shortfall
Once you deduct all your expenses from your income, you will be left with an amount that is nothing but your
savings. Further, when you subtract the sum that you have committed towards existing investments, such as SIPs or
PPF, from your savings, you will be left with a sum which is your net surplus. However, if you are spending more
than your total income, you will be left with a net shortfall. The table below calculates your net surplus/shortfall for
every year until your retirement. It also takes into account the year-on-year growth in your net surplus and
investments.
47
EXISTING
AGE CASH INFLOW GROSS INVESTABLE
INVESTMENT SURPLUS/SHORTFALL
PROFILING /OUTFLOW SURPLUS / SHORTFALL
COMMITMENT
Cash Cash Gross Investable Gross

Net Investable
Year Age Inflow Outflow Surplus /Shortfall (₹)(C) Investment (₹)
Surplus (₹)(C)-(D)
(₹)(A) (₹)(B) = (A)-(B) (D)
2022 28 98,000 77,000 21,000 12,000 9,000
2023 29 12,23,040 9,53,400 2,69,640 2,02,691 66,949
2024 30 12,71,961 9,84,858 2,87,103 2,02,691 84,412
2025 31 13,22,840 10,18,518 3,04,322 2,02,691 1,01,631
2026 32 13,75,753 10,54,534 3,21,219 2,02,691 1,18,528
2027 33 14,30,783 10,93,071 3,37,712 2,02,691 1,35,021
2028 34 14,88,015 11,34,306 3,53,708 2,02,691 1,51,017
2029 35 15,47,535 11,78,428 3,69,107 2,02,691 1,66,416
2030 36 16,09,437 12,25,638 3,83,799 2,02,691 1,81,108
2031 37 16,73,814 12,76,152 3,97,661 2,02,691 1,94,970
2032 38 17,40,767 13,30,203 4,10,563 1,64,000 2,46,563
2033 39 18,10,397 13,88,037 4,22,360 1,64,000 2,58,360
2034 40 18,82,813 9,45,920 9,36,893 1,64,000 7,72,893
2035 41 19,58,126 10,12,134 9,45,991 1,64,000 7,81,991
2036 42 20,36,451 10,82,984 9,53,467 1,64,000 7,89,467
2037 43 21,17,909 11,58,793 9,59,116 1,64,000 7,95,116
2038 44 22,02,625 12,39,908 9,62,717 1,64,000 7,98,717
2039 45 22,90,730 13,26,702 9,64,028 1,64,000 8,00,028
2040 46 23,82,360 14,19,571 9,62,788 1,64,000 7,98,788
2041 47 24,77,654 15,18,941 9,58,713 1,64,000 7,94,713
2042 48 25,76,760 16,25,267 9,51,493 1,64,000 7,87,493
2043 49 26,79,831 17,39,036 9,40,795 1,64,000 7,76,795
2044 50 23,22,520 15,50,640 7,71,880 1,35,000 6,36,880
48
Cash-Inflow
The table below lists all your cash inflows from now until you retire. In other words, it lists all the incomes that you
will earn during this period. Examples of cash inflows include salary income, rental income, business income, etc.
The table also indicates the year-on-year growth in your income.
Plan Year / Age CASH INFLOW
Year Age Salary & Bonus (₹) Gross Income (₹)
2022 28 98,000 98,000
2023 29 12,23,040 12,23,040
2024 30 12,71,961 12,71,961
2025 31 13,22,840 13,22,840
2026 32 13,75,753 13,75,753
2027 33 14,30,783 14,30,783
2028 34 14,88,015 14,88,015
2029 35 15,47,535 15,47,535
2030 36 16,09,437 16,09,437
2031 37 16,73,814 16,73,814
2032 38 17,40,767 17,40,767
2033 39 18,10,397 18,10,397
2034 40 18,82,813 18,82,813
2035 41 19,58,126 19,58,126
2036 42 20,36,451 20,36,451
2037 43 21,17,909 21,17,909
2038 44 22,02,625 22,02,625
2039 45 22,90,730 22,90,730
2040 46 23,82,360 23,82,360
2041 47 24,77,654 24,77,654
2042 48 25,76,760 25,76,760
2043 49 26,79,831 26,79,831
2044 50 23,22,520 23,22,520
49
Cash-Outflow
The table below lists all your cash outflows from now until you retire. In other words, it lists all the expenses that
you will make during this period. Examples of cash outflows include mandatory fixed expenses, mandatory variable
expenses, wishful variable and wishful fixed expenses. The table also takes into account average inflation for all
future expenses.
Plan Year / Age CASH OUTFLOW
Mandatory
Mandatory Fixed Gross Expenses
Year Age Variable
Expenses (₹) (₹)
Expenses (₹)
2022 28 62,000 15,000 77,000
2023 29 7,60,800 1,92,600 9,53,400
2024 30 7,78,776 2,06,082 9,84,858
2025 31 7,98,010 2,20,507 10,18,518
2026 32 8,18,591 2,35,943 10,54,534
2027 33 8,40,612 2,52,459 10,93,071
2028 34 8,64,175 2,70,131 11,34,306
2029 35 8,89,387 2,89,040 11,78,428
2030 36 9,16,364 3,09,273 12,25,638
2031 37 9,45,230 3,30,922 12,76,152
2032 38 9,76,116 3,54,087 13,30,203
2033 39 10,09,164 3,78,873 13,88,037
2034 40 5,40,525 4,05,394 9,45,920
2035 41 5,78,362 4,33,772 10,12,134
2036 42 6,18,848 4,64,136 10,82,984
2037 43 6,62,167 4,96,625 11,58,793
2038 44 7,08,519 5,31,389 12,39,908
2039 45 7,58,115 5,68,586 13,26,702
2040 46 8,11,183 6,08,387 14,19,571
2041 47 8,67,966 6,50,974 15,18,941
2042 48 9,28,724 6,96,543 16,25,267
2043 49 9,93,734 7,45,301 17,39,036
2044 50 8,86,080 6,64,560 15,50,640
50
Recommendation
The table below contains cash flow projections starting from this year until you retire. It includes your cash inflows
and outflows for each year, so that you can determine whether you will have a net surplus or shortfall at the end of
that particular year. To understand this table better, first, take a look at the meanings of a few technical terms that
you may come across.
Net Inve
Reinvest
stable S
Recomm ment Of Outflow -
urplus ( Committ Inflow - A
ended In Matured Required Closing
Gr. Inflo ed Inves ssets Utili
Opening Bala vestmen Assets A Goal Amo Balance (₹) (I)
Year w-Gr. O tment sed For T
nce (₹) (A) t SIP(Yea fter Utilis unt For Th = (A+B-C-D-E
utflow) F Yearly (₹ he Goal (₹
rly) (₹) ( ing For e Year (₹) +F-G)
or The Y ) (C) ) (F)
D) Goals (₹) (G)
ear(₹) (
(E)
B)
2022 0 21,000 12,000 38,537 - - - (29,537)
Total A
ssets Li
nked (
Marria
13) - 6,
ge - 6,
96,404
25,307
2,69,64
2023 0 2,02,691 4,62,456 - (5,09,679)
0 Additio
Vehicle
nal Inv
- 5,36,
estmen
069
t Corpu
s -5,79,
144
2,87,10
2024 0 2,02,691 0 - - - 84,413
4
3,04,32
2025 87,790 2,02,691 0 - - - 1,89,421
2
3,21,21
2026 1,96,998 2,02,691 0 - - - 3,15,526
9
3,37,71
2027 3,28,147 2,02,691 0 - - - 4,63,168
2
3,53,70
2028 4,81,695 2,02,691 0 - - - 6,32,712
8
3,69,10
2029 6,58,020 2,02,691 0 - - - 8,24,437
8
3,83,79
2030 8,57,414 2,02,691 0 - - - 10,38,522
9
3,97,66
2031 10,80,063 2,02,691 0 - - - 12,75,034
2
4,10,56
2032 13,26,035 1,64,000 0 - - - 15,72,599
4
4,22,36
2033 16,35,503 1,64,000 0 - - - 18,93,863
0
51
Net Inve
Reinvest
stable S
Recomm ment Of Outflow -
urplus ( Committ Inflow - A
ended In Matured Required Closing
Gr. Inflo ed Inves ssets Utili
Opening Bala vestmen Assets A Goal Amo Balance (₹) (I)
Year w-Gr. O tment sed For T
nce (₹) (A) t SIP(Yea fter Utilis unt For Th = (A+B-C-D-E
utflow) F Yearly (₹ he Goal (₹
rly) (₹) ( ing For e Year (₹) +F-G)
or The Y ) (C) ) (F)
D) Goals (₹) (G)
ear(₹) (
(E)
B)
9,36,89
2034 19,69,618 1,64,000 0 - - - 27,42,511
3
9,45,99
2035 28,52,211 1,64,000 0 - - - 36,34,203
2
9,53,46
2036 37,79,571 1,64,000 0 - - - 45,69,038
7
9,59,11
2037 47,51,800 1,64,000 0 - - - 55,46,916
6
9,62,71
2038 57,68,793 1,64,000 0 - - - 65,67,510
7
9,64,02
2039 68,30,210 1,64,000 0 - - - 76,30,239
9
9,62,78
2040 79,35,449 1,64,000 0 - - - 87,34,238
9
9,58,71
2041 90,83,608 1,64,000 0 - - - 98,78,321
3
9,51,49
2042 1,02,73,454 1,64,000 0 - - - 1,10,60,947
3
9,40,79
2043 1,15,03,385 1,64,000 0 - - - 1,22,80,180
5
Ppf - 1
1,19,5
32
retirem
7,71,88 Additio
2044 1,27,71,387 1,35,000 0 - ent 1,11,69,204
0 nal Inv
goal - 1
estmen
t Corpu
s -11,1
9,532
Notes
Opening Balance:
The opening balance for the first year is considered to be zero as this is the start of our financial
planning and we do not have any accumulated income from the previous year. If there is a surplus in
the closing balance it will be carried forward as the opening balance of the next year. Moreover, we
assume an increment of 4% in the opening balance as a minimum increment as the return from a risk-
free investment.
Net investible surplus:
52
This column shows you the portion of your income that you are left with at the end of the year after you
have paid for all your expenses. i.e. Gross Inflow - Gross Outflow = Net Investable Surplus
Committed Investment Yearly:

This column summarises all of your existing, periodic commitments. It includes premium payments for
various insurance policies and also lists your outgo towards existing investments like Systematic
Investment Plans (SIPs), Public Provident Fund (PPF), and Employees’ Provident Fund (EPF), among
others.
Recommended Investment:
To achieve all your goals in a timely manner, Fintoo recommends that you make additional
investments on yearly basis. Your net investment surplus will be utilised for this purpose.
Reinvestment Of Matured Assets After Utilising For Goals:

This column highlights the overachieved balance which is linked to other goals. If an asset class is
linked to a goal and it overachieves, the overachieved balance of the asset class automatically gets
reinvested on the basis of the criticality and priority of the goal. If the goal is short-term i.e. less than 3
years, the reinvestment will be made in Debt Asset Class and if the goal is long-term i.e. more than 3
years, the reinvestment will be made in Equity Asset Class.
Inflow - Assets Utilised For The Goal:

This will help you know the total amount that you have received from your asset which will further be
utilised in the future to achieve a goal. The asset may be manually linked by you or may automatically
be linked by Fintoo. For example, your goal amount is Rs.5,00,000/- and the future value of the asset is
Rs.12,00,000/-, so after achieving the goal amount of Rs.5,00,000/-, the remaining amount of Rs.
7,00,000/- will be re-utilised to achieve another goal.
Outflow - Required Goal Amount For The Year:

If you have a goal listed for a particular year, this column will show the goal amount that will be
deducted from your inflow and will be used to fulfil the goal.
Closing Balance:
This column will give you the total amount left with you at the end of the year after subtracting your net
outflow from your net inflow.
All the calculations in the above table are made as per the calendar year. Eg. If you start your financial
planning in the month of September, the cash flow analysis for the first year will be calculated from
September to December.
53
Retirement Planning
“A big part of financial freedom is having your heart

and mind free from worry about the what-ifs of life.”
- Suze Orman
Post-Retirement Life
As you can only work for a finite number of years, it’s important to create sources of income for when you retire
because you will still incur expenses. Retirement planning is an important component of your financial plan that
can help you with this. Our experts start by assessing whether or not you’re financially ready to retire at the age
that you have in mind. Moreover, they help you identify assets and investments that will provide you with
payouts at regular intervals throughout your retirement years.
Particulars Self
Planned Retirement age 50
Life Expectancy age 70
54
Fintoo Recommends
You are now aware of the goal amount, as well as whether you have a surplus or deficit for the goal once you link
certain assets to it. Note that this calculation takes into account the future cost. This means that it determines the
amount required for the goal on taking into account the impact of inflation.
Retirement Goal
Gurudutt S
Goal Future Value Goal Year

1 2044
Ppf | PPF/ GPF/ VPF | Gurudutt S 11,19,532
Gross Total (₹) 11,19,532
Surplus( Gross Total - Goal Future Value ) 11,19,531
Retirement Goal Recommendation
Assets Link ₹0 ₹ 11,19,532
Goal Amount ₹0
0 100 K 200 K 300 K 400 K 500 K 600 K 700 K 800 K 900 K 1,000 K 1,100 K 1,2…
Amount In (₹)
Goal Amount Assets Linked By You
Notes
The Rate Of Return (ROR) for the Debt Asset Class Eg. Debt Mutual Funds, Govt. Schemes, NCD,
55
56
Thank You!
Congratulations on making it all the way through this report. You are now equipped to take charge of
your personal wealth and ensure that your and your family’s future is financially secure. Remember,
implementing the financial plan that we’ve prepared for you is the key to your success, so do take
timely action to reap the most benefits.
While we have taken the utmost care to ensure that every important aspect of your personal financial
plan is presented to you in the simplest manner, should you have any doubts or seek our consultancy
services, we would be happy to assist you. Don’t hesitate to reach out to us via phone or email.
We hope that your journey to financial success is smooth and uninterrupted!
Our Services
Financial Planning Retirement Planning
Tax Planning Investment Planning
Contact Us At
+919699800600 [email protected]
57
Glossary
Assumptions: -
Assumptions are logical financial forecasts about income, expenses, inflation, deflation, growth and reduction that
are made on the bases of past records and logical expectations.
Inflation: -
A general rise in prices / the rate at which prices rise each year.
Variable Factors: -
The factors whose output changes with the changing input are called variable factors. In financial planning,
EXAMPLES are called as variable factors.
Rate Of Return (ROR): -
The annual income from an investment expressed as a proportion (usually a percentage) of the original
investment.
Compound Annual Growth Rate Percentage (CAGR %): -
It is the rate of return (RoR) that would be required for an investment to grow from its beginning balance to its
ending balance, assuming the profits were reinvested at the end of each period of the investment’s life span.
Debt Investments: -
Buying a debt instrument can be considered as lending money to the entity issuing the instrument. A debt fund
invests in fixed-interest generating securities such as corporate bonds, government securities, treasury bills,
commercial paper, and other money market instruments.
Asset Mapping: -
Asset Mapping is a process used to identify and link individual, group, and community assets that can be used to
achieve one or multiple financial goals.
Equity Investments: -
An equity investment is money that is invested in a company by purchasing shares of that company in the stock
market. These shares are typically traded on a stock exchange.
Risk Appetite: -
Risk appetite is the level of risk that an individual is prepared to take in order to achieve the financial goals.
IPOs: -
An Initial Public Offering or stock launch is a public offering in which shares of a company are sold to institutional
investors and usually also retail investors.
Equity Mutual Funds: -
An equity fund is a mutual fund that invests principally in stocks. It can be actively or passively (index fund)
managed. Equity funds are also known as stock funds.
58
Threshold: -
A threshold is an amount, level, or limit on a scale. When the threshold is reached, something else happens or
changes.
Blue-Chip Stocks: -
A blue chip is a stock in a stock corporation with a national reputation for quality, reliability, and the ability to
operate profitably in good and bad times. The blue chip stocks mostly refer to the stocks of the Fortune 500
companies like Apple, Amazon, Coca Cola etc.
Tax Advantage: -
Tax advantage refers to the economic bonus which applies to certain accounts or investments that are, by statute,
tax-reduced, tax-deferred, or tax-free. Examples of tax-advantaged accounts and investments include retirement
plans, education savings accounts, medical savings accounts, and government bonds.
Equity Linked Savings Schemes (ELSS): -
An Equity Linked Saving Scheme (ELSS) is an open-ended equity mutual fund that invests primarily in equities and
equity-related products. They are a special category among mutual funds that qualify for tax deductions under
Section 80C of the Income Tax Act, 1961.
Unit Linked Insurance Plans (ULIPs): -
A unit linked insurance plan (ULIP) is a multi-faceted product that offers both insurance coverage and investment
exposure in equities or bonds. This product requires policyholders to make regular premium payments. Part of the
premiums goes toward insurance coverage, while the remaining portion is pooled with assets from other
policyholders and invested in either equities, bonds, or a combination of both.
Tax-Saving Fixed Deposits: -
Tax Saver Fixed Deposits are a type of fixed deposits in which the depositor can claim a tax deduction under
Section 80C of the Indian Income Tax, 1961. ... The maturity period of the tax saver fixed deposit is 5 years.
Deduction under section 80C is available to the Hindu Undivided Family (HUF) and individuals.
Government Savings Schemes: -
Saving schemes are instruments that help individuals achieve their financial goals over a particular period. These
schemes are launched by the Government of India, public/private sector banks, and financial institutions. The
government or banks decide the interest rate for these schemes and are periodically updated.
Government Bonds: -
A government bond is a debt instrument issued by the Central and State Governments of India. The Government
Bond interest rates, also called a coupon, can either be fixed or floating disbursed on a semi-annual basis. In most
cases, GOI issues bonds at a fixed coupon rate in the market. Treasury Bills, Cash Management Bills (CMBs), Dated
Government Securities, State Development Loans, Treasury Inflation-Protected Securities (TIPS), Zero-Coupon
Bonds, Capital Indexed Bonds and Floating Rate Bonds are some of the examples of Government Bonds.
Fixed Income Schemes: -
Fixed income broadly refers to those types of investment security that pay investors fixed interest or dividend
payments until its maturity date. At maturity, investors are repaid the principal amount they had invested.
Government and corporate bonds are the most common types of fixed-income products.
59
Mandatory Variable Expenses: -
Essential expenses whose amount keeps changing every month. EXAMPLES Clothes, Groceries, Food, Medical,
Electricity Bills.
Mandatory Fixed Expenses: -
Essential expenses whose amount remains constant every month. EXAMPLES Insurance Premium, Rent.
Wishful Variable Expenses: -
Non-essential expenses whose amount keeps changing every month. EXAMPLES Restaurant Bills, Holiday
Expenses, Mobile Bill.
Wishful Fixed Expenses: -
Non-essential expenses whose amount remains constant every month. EXAMPLES Internet Charges, Television
Connection.
Systematic Investment Plans (SIPs): -
A systematic investment plan is an investment vehicle offered by many mutual funds to investors, allowing them to
invest small amounts periodically instead of lump sums. The frequency of investment is usually weekly, monthly or
quarterly.
Saving Ratio: -
The savings rate is a measurement of the amount of money, expressed as a percentage or ratio, that a person
deducts from their disposable personal income to set aside as a nest egg or for retirement. The savings rate is also
related to the marginal propensity of an individual to save.
Expense Ratio: -
The expense ratio (ER) is a measure of mutual fund operating costs relative to assets. Investors pay attention to
the expense ratio to determine if a fund is an appropriate investment for them after fees are considered.
Shortfall: -
The amount by which something is less than you need or expect.
Surplus: -
The amount that is extra or more than you need.
Corpus: -
Corpus is described as the total money invested in a particular scheme by all investors.
60
Disclaimer
The Client hereby agrees and understands that this report and services are provided on the basis of the
information provided by the Client to us strictly on an “as is”, “where is” and “as available” basis with no
representations or warranties of any kind, express or implied from us with regard to accuracy or effect of the
contents herein.
The Client agrees that they would take prudent decisions based on the report herein, whilst exercising caution and
with the complete understanding that Financial Hospital Advisors or any of its associates are not liable for any
damages of any kind arising from the use of the contents of this report, including, but not limited to direct, indirect,
incidental, punitive and consequential damages.
The Client acknowledges that investment advice are subject to market status and risks and that past performances
are not reliable basis for future returns.
Actions taken by the Client on the basis of this report with third parties are fully based on the Client’s personal
judgement and Financial Hospital Advisors or any of its associates are not party to or in any way be responsible for
any transaction between user and such party provider. The Client expressly agrees and acknowledges to hold
Financial Hospital Advisors or any of its associates harmless in respect of any cost, claims, damage, loss or
expenses accrued, suffered, incurred by Financial Hospital Advisors or any of its associates arising out of or in
connection with any such communication, interaction, dealings and transactions between the user and third-party
providers. The Client’s foregoing assurance is based on the understanding that Financial Hospital Advisors or any
of its associates do not have any control over such dealings and transactions and plays no determinative role in the
performance in respect of the same and Financial Hospital Advisors or any of its associates shall not be liable for
the outcomes of such communication, interaction, dealings and transactions between the users and the third-party
providers.All calculation are done on the basis of pre tax value which is subjected to change according to the local
taxation.
61
Overview
‘Financial Hospital Advisors LLP (hereinafter referred to as “FHA” or “We” or “Us” or “Our”) is a limited liability partnership that
provides financial services (“Services”) to customers (“User(s)”, “You”, “Your”) who visit the website www.fintoo.in (“Website”). FHA is
committed to protecting your privacy. The purpose of this notice is to supply you with the required information at the time of
providing us with your personal data. This Privacy Notice explains how FHA collects and uses User’s personal data and their rights and
privileges in this regard.
Users are urged to read this Privacy Notice carefully. By visiting the Website or using any of our services, User indicates their
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In case you are availing services for advising via Fintoo’s website or app, you are required to provide your personal information which
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availing such services/products.
The said data is collected when User(s):
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The data is collected depending on the kind of Services availed and may include:
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address, telephone number, mobile phone number, fax number and email address;
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residency, nationality, gender, marital status;
e. In some circumstances, personal data may be collected from a third party source such as User’s organisation, other
organisations with
whom they have dealings, government agencies, a credit reporting agency;
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g. IP address and browser-generated data when visiting the Website;
User agrees that data provided to FHA is entirely voluntarily and User may choose not to consent or to provide personal data.
However, there are circumstances in which FHA cannot take action without certain of your personal data either to provide the Services
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FHA uses the data to
a. process User’s application to avail Services and for FHA to provide requested Services;
b. comply with FHA’s obligations arising from any contracts entered into between User and FHA and to provide User with the
information, products and services that User requests from FHA;
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f. if required to do so by law and to the extent necessary for the proper operation of FHA’s systems, to protect FHA and its
customers, or for the enforcement of any agreement between User and FHA;
g. to notify User of changes to our Services; and
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Data may also be used to provide User with information about other services offered that are similar to those that User may have
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Data Protection
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they require access to the information in order to help FHA provide the Services;
4. In rare cases and where required, meet applicable law, the order of a Court or market rules and codes of practice applicable to
the circumstances at the time;
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you have business dealings) User must ensure that it is entitled to disclose that personal data to us and that, without our taking
any further steps, FHA may collect, use and disclose that personal data as described in this Privacy Policy. In particular, User
must ensure that the individual concerned is aware of the various matters detailed in this Privacy Policy, as those matters relate
to that individual, including FHA’s identity, how to contact us, our purposes of collection, our personal data disclosure practices
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parameters and that the terms provided by such third party service providers terms are complied with.
Website Infrastructure
In order to provide you secure, reliable and continuous services the Website is hosted on a virtual private cloud on Amazon Web
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Communication lines employed by the Website, upstream and downstream, are routed through servers protected by 256bit encryption
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We employ best-in-class anti-virus, anti-malware, systems that eliminate unauthorised intrusion protocols, have deployed file status
and integrity mapping.
Data Security
Users data are stored in encrypted format and all applications are checked for data and security check in the course of transactions.
All data handled by internal teams are transmitted on a need to know basis with appropriate classification.
We have adequate damage rescue and recovery protocols in place to ensure quick recovery and restoration from any untoward
incidents or events.
Users on our Website are prompted one-time password wherever applicable for completing transactions and actions.
Data retention
a. FHA is committed to only keeping User personal data for as long as FHA needs it in order to fulfil the relevant purpose (s) it was
collected for, as set out in this Privacy Policy, and for as long as we are required or permitted to keep it by law.
b. FHA retains copies of User contracts in order to enable FHA to deal with any legal issues and the information provided for
identification verification checks, for up to three (3) years after termination or expiry of our contract with you. We retain details
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User rights on Data provided to FHA
a. User shall have the right to request a copy of their personal data, which is held with FHA, to have any inaccurate personal data
corrected and to object to or restrict our using said personal data. User may report if it has a concern about our handling of your
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b. When a request is made by User through email, FHA will endeavour to provide you with these details without delay and at the
latest within one month of receipt.
c. When FHA receives a subject access request we will provide a copy of the information held free of charge. FHA may charge a
reasonable fee to comply with requests for further copies of the same information.
d. The User also has the following rights (unless exemptions apply), which can be exercised by contacting us using the details
provided below: To ask us not to process your personal data for marketing purposes; To prevent any processing of personal data
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meaningful information about the logic involved, as well as the significance and the envisaged consequences of this processing;
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Update of Terms
FHA shall from time to time review these terms and hereby reserves the right to change or modify, any or all of them including,
changing of the extent and scope of the Services and/or include any other category, service, facility or feature within the term
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E-mail: [email protected]
Address: Unit No. 904, B-wing, Kanakia Wall Street Andheri Kurla road, Andheri East Mumbai 400093
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Terms of Use
The terms herein govern the User’s visit to and use of the Website (the “Terms” or the “Agreement”) are a binding contract between
you and FHA. If you have any questions, comments, or concerns regarding these terms or the Services, please contact us
at [email protected].
The use of the Website shall deem your acceptance of these Terms and your using the Services in any way means that you agree to
all of these Terms, and these Terms will remain in effect while you use the Services. These Terms include the provisions mentioned
below, as well as those in the Privacy Policy.
1. You confirm and accept that all information, content, materials, products on the Website is protected and secured. You
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be allowed to make any transaction through the Website when you complete the KYC process and provides the complete
information including personal information in accordance with the Know your client (“KYC”) guidelines issued by Securities and
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use of Your Account. We cannot and will not be liable for any loss or damage arising from Your failure to comply with this
provision.
4. You understand and accept that not all the products and services offered on or through the Website are available at all times or
in all locations and you shall contact our representative for all clarity on these issues before you take further steps. FHA and its
third party providers (including distributors) reserve the right to determine the availability and eligibility for any product or
service offered on the Website.
5. FHA does not make any warranties and expressly disclaims all warranties express or implied, including without limitation, those
of merchantability and fitness for a particular purpose, title or non-infringement with respect to any information or services or
products that are available or advertised or sold through these third-party platforms.
6. You understand and accept that FHA is not responsible for the availability of content or other services on third party sites
(including distributors or resellers) linked from the Website. You are aware that access of hyperlinks to other internet sites are at
your own risk and the content, accuracy, opinions expressed, and other links provided by these sites are not verified, monitored
or endorsed by FHA in any way.
7. You agree that transactions made through FHA Website shall be through your own bank account only and the said transactions
do not contravene any Act, Rules, Regulations, Notifications of Income tax Act, Anti money laundering laws, Anti-corruption laws
or any other applicable laws.
8. You agree that you will not use the Website for any purpose that is unlawful or prohibited by these Terms. You also agree you
will not use the Website in any manner that could damage, disable or impair the Website or interfere with any other party’s use,
legal rights, or enjoyment of the Website. You hereby represent and warrant that you shall make use of the Website as a
prudent, reasonable and law abiding citizen and you shall comply with relevant necessary laws.
9. If the User is found engaging in any fraudulent/illegal activities including but not limited to the following activities i.e abusing any
of the representatives of the organization, indulge in fraudulent activities on the Website, using mass media and/or bots to
engage with the platform, using mass media and/or bots to malign the organization’s reputation FHA reserves the right in its
sole discretion to delete, block, restrict, disable, suspend your account or part thereof and further these activities may be
referred to appropriate legal authority for a legal recourse.
10. The User hereby confirms through the usage of the Website or Services of FHA that:
a. User is 18 years of age or older and where you are acting as guardian on behalf of a minor, you have the necessary
authority to register/sign up for the Services on behalf of the minor. FHA will not be held responsible for information of
persons below the age of 18 and User is urged to contact FHA representative assigned to User for providing such
information.
b. User has read and understood the Privacy Policy published on the Website and unconditionally confirm that the
information provided by User upon registration or when prompted on the Website is true and correct. In the event, your
information is not accessible online and you wish to change or delete your personal information or other information that
you may have provided, please contact FHA representative immediately.
c. You shall notify and update FHA promptly of any material change in your personal information and/or profile so as to
enable FHA to rely on the most recent information provided.
d. You agree to be contacted by FHA and its employees and partners over phone and/or E-mail and/or SMS or any other form
of electronic communication in connection with your registration, advisory and transactions.
Services
1. The Website offers the Services to the Users which include, advisory and investment services to the Users relating to investing
in, purchasing, selling or otherwise dealing in securities or investment products, and advice on investment portfolio containing
securities or investment products. Services may be provided by FHA directly or through third party service providers, including
distributors.
2. The User hereby agrees and acknowledges that all the decisions of the User, notwithstanding the Services rendered by FHA, in
relation to buy, sell, hold or otherwise deal in the investment securities shall be based on User’s own independent evaluation of
the risks and rewards of the investments and User’s own verification of all the relevant facts, including financial and other
circumstances and a proper evaluation thereof.
3. User agrees that the Services are in the nature of advice and guidance enabling the User to make informed decisions and
neither FHA nor any of our employees or agents shall be liable for any advice or representation made by them hereunder and it
will be the User’s responsibility to make an independent assessment pursuant to the availing/using of the Website/Services or
availing any product or services from the third-party provider.
4. User acknowledges and agrees that no warranties or commitments are being made by FHA or any of its employees, agents or
representatives that availing of the Services from the Website will result in profits or avoid losses or meet the objectives,
including the investment objectives, of the User or that availing/using of the Services/Website will not at any time be affected by
adverse tax consequences, technical failures, timely regulatory compliance to a new law. FHA will not be liable to the User or
any person claiming for or on their behalf for any error of judgement or loss suffered by the User in connection with the Services
provided to the User.
5. FHA does not disburse loans or provide direct financial facilities but may facilitate User to compare the best possible options and
apply for loans to institutions offering these services and facilities. You acknowledge that the loan rates vary from bank to bank
and it is dependent on your credit profile and the loan/policies/scheme you decide to opt for. FHA shall not be responsible for any
commercial, legal or other terms and conditions made by these institutions or agencies.
Privacy
You agree that you will provide FHA or its third party providers (including distributors, agents or employees) with proprietary,
confidential or similar information and other data as mentioned under these Terms herein during your use and access of the Website
or the availing of the Services. FHA and its aforesaid constituents respect the privacy and confidentiality of such data and the
provisions pertaining to such private information and data as provided shall be governed under the Website’ Privacy Policy under the
link marked “Privacy Policy” on the Website. By using and visiting the Website and availing the Services, you also agree to be
governed by said Privacy Policy.
Confidentiality
The User acknowledges that, in the course of engagement with FHA and while availing the Services, User may obtain information
relating to the Services and/or FHA (“Confidential Information”). Such Proprietary Information shall belong solely to FHA and includes,
but is not limited to, the features and mode of operation of the Services, computer code, internal documentation, problem reports,
analysis and other technical, business, product, plans and data. In regard to this Confidential Information the User shall not use
(except as expressly authorized by this Agreement) or disclose Confidential Information without the prior written consent of FHA
unless such Confidential Information becomes generally publicly available without your breach of this Agreement. User shall at all
times all measures to maintain the Confidential Information and Services in confidence.
Use and Protection of Intellectual Property Rights
FHA Website are protected by intellectual property rights belonging to FHA in the form of copyright, trademarks, patents, trade secret
and/or other relevant laws. No information, content or material from the Website may be copied, reproduced, republished, uploaded,
posted, transmitted or distributed in any way without FHA's express written permission. The User is permitted a limited licence to use
the Website for personal and non-commercial use, subject to the Website Terms and Conditions. User agrees not to sell, license,
distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make
unauthorized use of the FHA Website.
Limitation of Liability, Indemnity, and Warranty
1. The User warrants all the details and information provided to FHA or its directors, employees, associates, partners, or suppliers
while using this Website (including for the purposes of carrying out investments) shall be correct, accurate and genuine. In no
event shall FHA or its directors, employees, associates, partners, or suppliers be liable or responsible to User, their
representatives or any persons claiming under them for any loss or damage that may cause or arise from or in relation to the
use of the Website or availing of the Services any investments made following use of Website or availing the Services.
2. The User shall indemnify FHA or its directors, employees, associates, partners or suppliers for all the liabilities (including claims,
damages, suits or legal expenses in defending itself in relation to the foregoing) arising due to
i. use or misuse of the Website
ii. non-performance and/or non-observance of the duties and obligations under these terms and conditions or due to the
User’s or any of its constituents’ acts or omissions
iii. any act, neglect, misconduct or fraud on your part.
3. The User shall be solely responsible for any investment decision made based on the Services and FHA shall not be liable for any
loss or damage caused to you or other users of this Website due to such investment decision, or any kind of reliance upon it.
Disclaimer
THE USER AGREES AND UNDERSTANDS THAT THE WEBSITE AND SERVICES ARE PROVIDED STRICTLY ON “AS IS”, “WHERE IS” AND “AS
AVAILABLE” BASIS WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE
WEBSITE, SERVICES, INFORMATION, CONTENT WHETHER PROVIDED HEREIN OR IN PERSON. USER ACKNOWLEDGES AND AGREES THAT
SERVICES AVAILED AND USE OF THE WEBSITE IS AT THEIR SOLE RISK AS TO COSTS AND CONSEQUENCES.
TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, FHA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED. WHILE ALL
ENDEAVOURS WILL BE TAKEN BY IT TO ENSURE OTHERWISE, FHA CANNOT AND DOES NOT WARRANT THAT THE WEBSITE, ITS
SERVERS, OR EMAIL/ OTHER COMMUNICATION SENT FROM THE WEBSITE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE WEBSITE, INCLUDING, BUT NOT LIMITED TO
DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES.
USER ACKNOWLEDGES THAT ALL INVESTMENTS ARE SUBJECT TO MARKET RISKS AND THAT PAST PERFORMANCES ARE NOT INDICATOR
OF FUTURE RETURNS. FHA STRICTLY DISCLAIMS AND DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR
ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD-PARTY PROVIDER IN ANY MANNER. FURTHER FHA OR ITS
REPRESENTATIVES ARE NOT PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR ANY TRANSACTION BETWEEN USER AND SUCH PARTY
PROVIDER. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM THROUGH SUCH THIRD-PARTY PROVIDER,
USER IS URGED TO EXERCISE PRUDENT JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE. THE USER EXPRESSLY AGREES AND
ACKNOWLEDGES TO HOLD FHA HARMLESS IN RESPECT OF ANY COST, CLAIMS, DAMAGE, LOSS OR EXPENSES ACCRUED, SUFFERED,
INCURRED BY FHA OR ANY THIRD PARTY ARISING OUT OF OR IN CONNECTION WITH ANY SUCH COMMUNICATION, INTERACTION,
DEALINGS AND TRANSACTIONS BETWEEN THE USER AND THIRD-PARTY PROVIDERS. THE USER ACKNOWLEDGES THAT WE DO NOT
HAVE ANY CONTROL OVER SUCH DEALINGS AND TRANSACTIONS AND PLAYS NO DETERMINATIVE ROLE IN THE PERFORMANCE IN
RESPECT OF THE SAME AND WE SHALL NOT BE LIABLE FOR THE OUTCOMES OF SUCH COMMUNICATION, INTERACTION, DEALINGS AND
TRANSACTIONS BETWEEN THE USERS AND THE THIRD-PARTY PROVIDERS.
Consideration
FHA may at its sole option choose and the User hereby unconditionally accepts that FHA may charge its Users a fee for use of
Website, which charges may be updated without notice to any party.
Force majeure
If the Services or use of the Website is prevented, hindered or delayed by a Force Majeure event (as defined below), FHA shall not be
liable for any failure to perform any of its obligations under these terms and conditions or those applicable specifically to its
services/facilities, and in such case its obligations shall be suspended for so long as the Force Majeure event continues. “Force
Majeure Event” means any event, due to any cause beyond the reasonable control of FHA, including without limitations, unavailability
of any communication systems, breach, or virus in the digital processes or payment or delivery mechanism, sabotage, fire, flood,
explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, lockdown,
computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer
terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical
errors/failures or power shut down, faults or failures in telecommunication etc.
General Terms
No failure on the part of any party to exercise, and no delay on its part in exercising any right or remedy under this Agreement will
operate as a waiver thereof, nor will any single or partial exercise of any right. All illegality, invalidity or unenforceability of any
provision of these Terms under the law of any jurisdiction will not affect its legality, validity or enforceability under the law of any
other jurisdiction nor the legality, validity or enforceability of any other provision. These Terms including the Privacy Policy and any
other arrangement/agreement in relation the Services, including the Advisory Agreement (applicable to advisory clients), constitute
the entire agreement between the User and FHA and supersede all previous agreements, promises, proposals, representations,
understandings and negotiations, whether written or oral, between the User and US pertaining to the subject matter hereof.
The provisions related to Limitation of liability, Indemnity, Warranty, Intellectual Property, Confidentiality, Dispute Resolution,
Governing Law and Jurisdiction shall survive expiry or termination of these terms and without prejudice, any provisions of this
Agreement which by implication are to survive the termination of this Agreement shall survive such termination. Any expiry or
termination of the Agreement shall not nullify or amend causes of action prior to such termination.
Dispute Resolution
Any dispute, controversy, claims or disagreement of any kind whatsoever between the Parties in connection with or arising out of this
Agreement shall be referred for arbitration, to a sole arbitrator appointed by FHA, through arbitration to be conducted in accordance
with Mumbai Centre for International Arbitration’s rules. The venue of such arbitration shall be at Mumbai, India. All proceedings of
such arbitration, including, without limitation, any awards, shall be in the English language. The award shall be final and binding on
the Parties.
Governing laws
Subject to arbitration provisions herein, these Terms shall be governed, interpreted, and construed in accordance with the laws of
India, without regard to any conflict of law provisions. Notwithstanding the foregoing, you agree that (i) FHA has the right to bring any
proceedings before any court/forum of competent jurisdiction and you irrevocably submit to the jurisdiction of such courts or forum;
and (ii) any proceeding brought by you shall be exclusively before the courts in Mumbai, India.
Update of Terms
FHA shall from time to time review these terms and hereby reserves the right to change or modify, any or all of them including,
changing of the extent and scope of the Services and/or include any other category, service, facility or feature within the term
‘Service’, at the sole discretion of the Website. Any such change(s) shall be effective immediately upon the relevant webpage going
‘live’. User is urged to determine when these Terms were last revised by referring to ‘LAST UPDATED’ link in these Terms.

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Financial Planning Report For

[ SEBI RIA Registration No: INA000015756 ] www.fintoo.in fintooapp fintooapp

1.1 | Assumption 2.1 | Asset Summary

1.2 | About You 2.2 | Liability Statement

1.3 | Risk Appetite 2.3 | Net Worth Analysis

1.4 | Gross Inflow - OutFlow 2.4 | Fintoo Recommends

1.5 | Scorecard 2.5 | Portfolio Analysis Report

3.1 | Goal Analysis 4.1 | Emergency Corpus

3.2 | Goal Asset Mapping 4.2 | Insurance Policy

3.3 | Asset Goal Mapping 4.3 | Current Insurance Policies

3.4 | Goal Asset Mapping Analysis 4.4 | Life Insurance

4.5 | Medical Insurance

5.1 | Netsurplus/Shortfall 6.1 | Info Summary

5.2 | Cash-inflow 6.2 | Retirement Corpus

5.3 | Cash-outflow 6.3 | Projected Post - Retirement Cashflow

5.4 | Fintoo Recommends 6.4 | Thank You

We look forward to being your partner on this fruitful journey.

Two elements form the basis of an effective financial plan;

Rate Of Return (ROR) Compound Annual Growth Rate (CAGR %)

ROR for Human Life Value 10

Here’s What Each Part Of Your Rate Of Return Stands For:

Inflation Rate Percentage (%)

Gurudutt S House Rent 7

Gurudutt S Household Expenses 7

Post Retirement Inflation 5

“The only way you will ever permanently take control of

Name PAN Age

Mobile Number Family Member Retirement Age

Email Address No. of Dependents Life Expectancy

About Your Family

Gross Inflow 98,000 98,000

Mandatory Variable Expenses Mandatory Fixed Expenses

₹62,000 (81%) ₹15,000 (19%)

Wishful Variable Expenses Wishful Fixed Expenses

Type Monthly (₹) Yearly (₹) (Till 31st Dec, 2022)

Total Gross Inflow 98,000 98,000

Total Gross Outflow 77,000 77,000

Total Savings 21,000 21,000

Total Savings (Yearly)

Gross Inflow Gross Outflow Savings

Existing Insurance & Investment Commitment

Amount Per Annum (₹)

Debt PPF/ GPF/ VPF Gurudutt S 5,000 Quarterly 5,000

Equity Equity Mutual Funds Gurudutt S 2,000 Monthly 2,000

Equity Equity Mutual Funds Gurudutt S 2,000 Monthly 2,000

Equity Equity Mutual Funds Gurudutt S 2,000 Monthly 2,000

Equity Equity Mutual Funds Gurudutt S 2,000 Monthly 2,000

Debt Debt Mutual Funds Gurudutt S 2,000 Monthly 2,000

Gold Gold Mutual Fund Gurudutt S 2,000 Yearly 2,000

Gross Total 17,000 17,000

Type Monthly (₹) Yearly (₹) (Till 31st Dec, 2022)

Saving ( A ) 21,000 21,000

Existing Insurance & Investment Commitment ( B ) 10,000 17,000

Net Investable Surplus ( A - B ) 11,000 4,000

Total Investable Surplus (Yearly)

Saving Ratio Expense Ratio

NetWorth/Total Assets = ₹(27.09) Lac/₹6.69 Lac

Your Ideal Solvency Ratio Should Not Be

Solvency ratio indicates your ability to repay

Net Worth Ratio