Personal Balance Sheet As on 31st March 2013

Liquid Assets

Value

Cash Savings Life Insurance (Cash Value)

LIC - JOE
LIC- DAD
LIC-DAD
ICICIpru-JOE

61000
247201
318848
506406
61000
1194455

Other Assets
Stocks (Market Value)
Residence
Land
Automobiles (current Value)
Household Furnishing
Other

9000
75000
15000

99000
Total Other Assets (b)
Total Assets (a+b)

1293455

Liabilities
Current Payable
Other Loan(from friends)
Jewel Loan
LIC Loan

15000
214560
696760

Total Liabilities

926320.1

Net Worth

367134.9

2002 173333.3
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016

13180
13180
13180
13180
13180
13180
13180
13180
13180
13180
13180
13180
13180

790.8
1629.048
2470.143
3311.409
4152.685
4993.961
5835.238
6676.514
7517.791
8359.067
9200.344
10041.62
10882.9

13970.8
28779.85
44429.99
60921.4
78254.08
96428.05
115443.3
135299.8
155997.6
177536.7
199917
223138.6
247201.5

17000
17000
17000
17000
17000
17000
17000
17000
17000
17000
17000
17000
17000

1020
2101.2
3186.072
4271.164
5356.27
6441.376
7526.483
8611.589
9696.695
10781.8
11866.91
12952.01
14037.12

18020
37121.2
57307.27
78578.44
100934.7
124376.1
148902.6
174514.2
201210.8
228992.7
257859.6
287811.6
318848.7

Sl.No

Item

Daily cost

Weekly cost

Debt Item

Lenders

Min. Monthly
Payment 5%

Mid-term
Jewel Loan
Jewel Loan
Jewel Loan
Jewel Loan
Jewel Loan

IOB
IOB
IOB
SBI
SBI

Monthly Cost

Annual Cost

Monday to Friday

1150
2325
3500
1800
1650

Bal Oweing

Interest Rate

Annual
Interest

23000
46500
70000
36000
33000

7.00%
7.00%
12.00%
7.00%
11.70%

1610
3255
8400
2520
3861

110000
150000
225000

10.70%
10.70%
10.70%

11770
16050
24075

Long Term
LIC LOAN
LIC LOAN
LIC LOAN
10425

208500
485000

19646
51895

Monthly
Interest

Loan
value as
Loan Date on Date

134.1667
271.25
700
210
321.75

20-Dec
23-Dec
23-Dec
15-Oct
2-Feb

980.8333
1337.5
2006.25

4-Apr
4-Apr
4-Apr

1637.167
4324.583

23657 Ring -2 Nos

47802 Bangles -2 Nos
73360 Chain-1
37491
34105

159140
217009
325513
216415.1
701661.6
918076.7

FUND ALLOCATION CHART

Apr-14
Total Monthly Income
After Deduction of Church Part

40%

12000

25%

7500

Savings

Lo
a

Personal

Group
Allocation
amount

Group

% on Net
Salary

Others

Total

33%

9900

2%

100%

600

30000

Items
Parents
Food
Mobile & Internet
Travel
Education
Dress
Groceries
Sub -Total
Interest
Repay
Sub -Total
Personal LIC
Old LIC
Stock
PPF
Emergeny fund
Sub -Total
Others
Sub -Total

% on
Expenditure
Group
33%
25%
7%
10%
15%
6%
4%
100%

Budjeted
Amount
3960
3000
840
1200
1800
720
480
12000

30%

2250

70%
100%
20%
50%
5%
15%
10%
100%
100%
100%

5250
7500
1980
4950
495
1485
990
9900
600
600

30000

HART

Monthly Income
uction of Church Part

33500
30000

Actual Amount
5500
2700
850

260
9310

Difference

Remarks

300
1200
1800
720
220
4240.00

21600
21600
1980
495
1485
990
4950.00

30910

59511
39511
23911

FUND ALLOCATION CHART

Apr-14
Total Monthly Income
After Deduction of Church Part

40%

11800

25%

7375

Savings

Lo
a

Personal

Group
Allocation
amount

Group

% on Net
Salary

Others

Total

33%

9735

2%

100%

590

29500

Items
Parents
Food
Mobile & Internet
Travel
Education
Dress
Groceries
Sub -Total
Interest

% on
Expenditure
Group
33%
25%
7%
10%
15%
6%
4%
100%

Budjeted
Amount
3894
2950
826
1180
1770
708
472
11800

30%

2212.5

Repay
Sub -Total
Personal LIC

70%
100%
20%

5162.5
7375
1947

Old LIC
Stock
PPF
Emergeny fund
Sub -Total
Others
Sub -Total

50%
5%
15%
10%
100%
100%
100%

4867.5
486.75
1460.25
973.5
9735
590
590

29500

HART

Monthly Income
uction of Church Part

present month

32850
29500

Salary
Actual Amount
3000
2800
850

250
6900

Difference
894
150
1180
1770
708
222
4924.00

37200

Remarks

Balance
29500

29500

from
stock
10000
for parents
for food
for mobile
for Credit card
for loan return-lewis
for dhanesh- loan return
for emergency fund
for ICIC prulife

3000
2800
850
32500
5000
3000
1000
2000

39500
36500
33700
32850
350
-4650
-7650
-8650
-10650

for davindr loan return

2000

-12650

52150

-12650

39500

37200
1947

486.75
1460.25
1000.00
1000

45100

3894.00

Salary
29500
from
stock
for parents
for food
for mobile
for Credit card
for loan return-lewis
for hotel
for emergency fund
for ICIC prulife
for exam
for cpp
29500

4200

3000
2800
850
20000
5000
8000
1000
2000
3500
15000
61150

4200
1200
-1600
-2450
-22450
-27450
-35450
-36450
-38450
-41950
-56950
-31650

FUND ALLOCATION CHART

Apr-14
Total Monthly Income
After Deduction of Church Part

40%

12000

25%

7500

Savings

Lo
a

Personal

Group
Allocation
amount

Group

% on Net
Salary

Others

Total

33%

9900

2%

100%

600

30000

Items
Parents
Food
Mobile & Internet
Travel
Education
Dress
Groceries
Sub -Total
Interest
Repay
Sub -Total
Personal LIC
Old LIC
Stock
PPF
Emergeny fund
Sub -Total
Others
Sub -Total

% on
Expenditure
Group
33%
25%
7%
10%
15%
6%
4%
100%

Budjeted
Amount
3960
3000
840
1200
1800
720
480
12000

40%

3000

60%
100%
20%
50%
5%
15%
10%
100%
100%
100%

4500
7500
1980
4950
495
1485
990
9900
600
600

30000

HART

Monthly Income
uction of Church Part

33500
30000

Actual Amount
5500
2700
850

260
9310

Difference

300
1200
1800
720
220
4240.00

Remarks
12000
9900
600
7500

Card
Loan Return
Personal

21600
21600
1980
495
1485
990
4950.00

30910

59511
39511
23911

27000
7500
12000
46500