Tata Retirement Savings Fund - Ready Reckoner

Mutual Fund investments are subject to market risks,read the scheme information document carefully before investing.

How much will your current lifestyle cost at 60?

A guide to help you afford tomorrow, today.

1990 2011 2030

Rs.9Per Litre

Rs.71Per Litre ?

Retirement Ready Reckoner

For statutory details, risk factors and disclaimer, please refer to the inside front cover page.

Due to better healthcare & personal-care on one hand and improving standard of living on the other, people are getting healthier and living longer. It would

not be uncommon for people to easily live up to 85 years in the near future.

Moreover, inflation is a silent killer. It reduces the buying power of money and the return on your investments. Traditional retirement investments may not

beat the draining power of inflation. While they are certainly necessary, they may not be sufficient.

If one assumes that an average individual works up to the age of 55 years, it would mean that he/she would work for 30 productive years and further if

he/she continues to live up to 85 years, then he/she would lead a retired life for 30 years. Therefore, the challenge for an individual is how to fund these

unproductive retirement years. This is the 30-30 challenge.

It is vital to brace up to meet this challenge and avoid the throes of old age poverty. There has never been a greater need for building a voluntary retirement

corpus than now.

This guide can help you determine what it would cost you to maintain your current lifestyle after retirement; and how much you would need to save for it.

As people age, their asset allocation has to undergo change. When they are young they need to accumulate wealth because they have time on hand.

Equities is the wealth creation asset class. However it yields returns in the long-term. Therefore time is an essential ingredient.

As people approach middle-age the proportion of equity in their assets needs to reduce while the proportion of debt needs to increase.

When people reach old-age, a further decrease in proportion of equity is warranted with a consequent increase in the proportion of debt.

TRSF is a carefully structured suite of plans designed to meet the investment needs of investors. It works as a retirement solution by offering choice of asset

allocation to investors based on their life stage and risk preference.

The 30-30 Challenge

Asset allocation is the key to retirement planning

Presenting Tata Retirement Savings Fund (TRSF)

Instruments

Equity and Equity related instruments

Debt & Money Market instruments

Indicative allocations(% to total assets)**

Minimum MaximumRisk Profile

High

Low to Medium

85

0

100

15

Progressive Plan

Investment by the plan in securitised debt will not normally exceed 15% of the net asset of the plan.

Instruments





High

Low to Medium

65

15

85

35

Moderate Plan


The Tata Retirement Savings Fund offers a unique Auto-Switch feature which takes away the hassles of adjusting the equity-debt proportion with

increasing age. So if you start an SIP or make a lump sum investment in the progressive option and opt for the Auto-Switch feature, then the fund will

do the needful asset allocation automatically as you cross different age brackets as explained below:

1) Progressive to Moderate switch happens once you attain the age of 45 years.

2) Moderate to Conservative switch happens once you attain the age of 60 years.

However the fund also provides the option of staying perpetually invested in a single plan of choice.

Once an investor retires he/she needs a regular flow of money to fund his/her expenses. While salary stops post retirement, annuities and pension form a

major part of his/her regular cash flow. The unique Auto-SWP is designed with an objective to provide the investor with regular cash flow after he/she

turns 60. There are 2 options of Auto-SWP facilities:

1) Monthly 1% of market value of investment as on date of completion of 60 years of age.

2) Quarterly 3% of market value of investment as on date of completion of 60 years of age.

Hence, to meet the 30-30 challenge and to avoid falling in to the old age poverty trap, it is advisable to star t your retirement planning with

Tata Retirement Savings Fund.

Unique Auto-Switch facility

Unique Auto-Systematic Withdrawal Plan (SWP) facility

Instruments





High

Low to Medium

0

70

30

100

Conservative Plan


Instruments

All plans may also invest inother securities #



Low0 10

** At the time of investments. # Other securities shall include: Domestic Exchange Traded Funds, Overseas Exchange Traded Funds/Foreign Securities/

Foreign Funds as may be permitted under the SEBI Regulations.

Age(Yrs.)

CurrentMonthlyExpense

(R)


at theAge 60 (R)

RetirementCorpus

Required(R)

Required SIP (R)@ expected returns of

Required Lumpsum Investment (R)@ expected returns of

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

Yearsto

Retirement

35

34

33

32

31

30

29

28

27

26

25

24

23

22

21

20

19

18

17

16

15

14

13

12

11

10

9

8

7

6

5

4

3

2

1

0

1,06,766

99,781

93,253

87,153

81,451

76,123

71,143

66,488

62,139

58,074

54,274

50,724

47,405

44,304

41,406

38,697

36,165

33,799

31,588

29,522

27,590

25,785

24,098

22,522

21,049

19,672

18,385

17,182

16,058

15,007

14,026

13,108

12,250

11,449

10,700

10,000

2,33,81,457

2,18,51,829

2,04,22,270

1,90,86,234

1,78,37,602

1,66,70,656

1,55,80,052

1,45,60,796

1,36,08,221

1,27,17,963

1,18,85,947

1,11,08,362

1,03,81,647

97,02,473

90,67,732

84,74,516

79,20,108

74,01,970

69,17,729

64,65,168

60,42,213

56,46,928

52,77,503

49,32,245

46,09,575

43,08,014

40,26,182

37,62,786

35,16,623

32,86,563

30,71,555

28,70,612

26,82,815

25,07,303

23,43,274

21,89,976

8% 10% 12% 15%

15,81,394

15,96,174

16,11,091

16,26,148

16,41,346

16,56,685

16,72,168

16,87,796

17,03,570

17,19,491

17,35,561

17,51,781

17,68,153

17,84,678

18,01,357

18,18,192

18,35,185

18,52,336

18,69,647

18,87,121

19,04,757

19,22,559

19,40,527

19,58,663

19,76,968

19,95,444

20,14,093

20,32,916

20,51,916

20,71,092

20,90,448

21,09,985

21,29,705

21,49,609

21,69,698

21,89,976

8,32,008

8,55,335

8,79,317

9,03,971

9,29,316

9,55,371

9,82,157

10,09,694

10,38,004

10,67,106

10,97,025

11,27,783

11,59,403

11,91,910

12,25,328

12,59,683

12,95,001

13,31,309

13,68,636

14,07,009

14,46,458

14,87,013

15,28,705

15,71,565

16,15,628

16,60,926

17,07,494

17,55,368

18,04,584

18,55,179

19,07,194

19,60,666

20,15,638

20,72,152

21,30,249

21,89,976

4,42,834

4,63,527

4,85,187

5,07,859

5,31,591

5,56,432

5,82,433

6,09,650

6,38,138

6,67,958

6,99,171

7,31,842

7,66,040

8,01,837

8,39,306

8,78,526

9,19,578

9,62,549

10,07,528

10,54,609

11,03,890

11,55,473

12,09,467

12,65,985

13,25,143

13,87,065

14,51,881

15,19,726

15,90,742

16,65,075

17,42,883

18,24,326

19,09,575

19,98,807

20,92,209

21,89,976

1,75,569

1,88,695

2,02,803

2,17,966

2,34,263

2,51,778

2,70,602

2,90,834

3,12,579

3,35,949

3,61,067

3,88,063

4,17,077

4,48,260

4,81,775

5,17,795

5,56,509

5,98,117

6,42,836

6,90,899

7,42,555

7,98,073

8,57,742

9,21,872

9,90,797

10,64,875

11,44,492

12,30,062

13,22,029

14,20,872

15,27,105

16,41,282

17,63,994

18,95,882

20,37,630

21,89,976

8% 10% 12% 15%

10,193

10,373

10,562

10,759

10,967

11,186

11,417

11,662

11,923

12,201

12,498

12,818

13,162

13,536

13,943

14,387

14,877

15,418

16,021

16,697

17,461

18,333

19,337

20,508

21,890

23,548

25,574

28,108

31,367

35,714

41,803

50,943

66,184

96,683

1,88,216

0

6,158

6,379

6,611

6,853

7,107

7,375

7,657

7,954

8,269

8,603

8,958

9,337

9,743

10,179

10,650

11,160

11,716

12,325

12,997

13,743

14,578

15,522

16,599

17,842

19,298

21,031

23,132

25,741

29,075

33,498

39,665

48,884

64,210

94,805

1,86,484

0

3,636

3,836

4,049

4,275

4,515

4,770

5,042

5,331

5,640

5,971

6,326

6,707

7,118

7,562

8,043

8,567

9,139

9,767

10,461

11,232

12,095

13,069

14,179

15,459

16,953

18,727

20,873

23,528

26,912

31,387

37,609

46,888

62,280

92,954

1,84,764

0

1,593

1,730

1,878

2,040

2,216

2,408

2,617

2,845

3,094

3,366

3,665

3,991

4,350

4,744

5,179

5,660

6,193

6,787

7,450

8,196

9,038

9,997

11,098

12,374

13,871

15,653

17,813

20,490

23,902

28,412

34,678

44,009

59,465

90,229

1,82,209

0

ASSUMED MONTHLY EXPENSE - R 10,000

Inflation Rate - 7% Retirement Age - 60 yrs. Life Expectancy - 80 yrs. Expected Returns Post Retirement - 8%

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

15,000

35

34

33

32

31

30

29

28

27

26

25

24

23

22

21

20

19

18

17

16

15

14

13

12

11

10

9

8

7

6

5

4

3

2

1

0

1,60,149

1,49,672

1,39,880

1,30,729

1,22,177

1,14,184

1,06,714

99,733

93,208

87,110

81,411

76,086

71,108

66,456

62,108

58,045

54,248

50,699

47,382

44,282

41,385

38,678

36,148

33,783

31,573

29,507

27,577

25,773

24,087

22,511

21,038

19,662

18,376

17,174

16,050

15,000

3,50,72,185

3,27,77,743

3,06,33,405

2,86,29,351

2,67,56,402

2,50,05,984

2,33,70,078

2,18,41,194

2,04,12,331

1,90,76,945

1,78,28,921

1,66,62,543

1,55,72,470

1,45,53,710

1,36,01,598

1,27,11,774

1,18,80,163

1,11,02,956

1,03,76,594

96,97,752

90,63,319

84,70,392

79,16,254

73,98,368

69,14,363

64,62,021

60,39,272

56,44,180

52,74,934

49,29,845

46,07,332

43,05,918

40,24,222

37,60,955

35,14,911

32,84,964

8% 10% 12% 15%

23,72,091

23,94,260

24,16,637

24,39,222

24,62,018

24,85,028

25,08,252

25,31,694

25,55,355

25,79,237

26,03,342

26,27,672

26,52,230

26,77,017

27,02,036

27,27,288

27,52,777

27,78,504

28,04,471

28,30,681

28,57,136

28,83,838

29,10,790

29,37,994

29,65,452

29,93,166

30,21,140

30,49,375

30,77,873

31,06,639

31,35,673

31,64,978

31,94,557

32,24,413

32,54,548

32,84,964

12,48,012

12,83,003

13,18,975

13,55,956

13,93,973

14,33,057

14,73,236

15,14,542

15,57,005

16,00,660

16,45,538

16,91,675

17,39,105

17,87,865

18,37,992

18,89,524

19,42,502

19,96,964

20,52,954

21,10,513

21,69,687

22,30,519

22,93,057

23,57,348

24,23,442

24,91,389

25,61,241

26,33,051

27,06,875

27,82,769

28,60,791

29,41,000

30,23,458

31,08,227

31,95,374

32,84,964

6,64,251

6,95,290

7,27,781

7,61,789

7,97,387

8,34,648

8,73,650

9,14,475

9,57,207

10,01,937

10,48,756

10,97,763

11,49,061

12,02,755

12,58,959

13,17,788

13,79,367

14,43,824

15,11,292

15,81,913

16,55,835

17,33,210

18,14,201

18,98,977

19,87,714

20,80,598

21,77,822

22,79,590

23,86,112

24,97,613

26,14,324

27,36,489

28,64,362

29,98,210

31,38,314

32,84,964

2,63,353

2,83,043

3,04,205

3,26,949

3,51,394

3,77,667

4,05,903

4,36,251

4,68,868

5,03,924

5,41,600

5,82,094

6,25,615

6,72,390

7,22,662

7,76,693

8,34,763

8,97,176

9,64,254

10,36,348

11,13,832

11,97,109

12,86,613

13,82,808

14,86,195

15,97,313

17,16,738

18,45,092

19,83,043

21,31,308

22,90,658

24,61,922

26,45,991

28,43,822

30,56,445

32,84,964

8% 10% 12% 15%

15,289

15,560

15,842

16,139

16,450

16,778

17,125

17,493

17,884

18,301

18,747

19,226

19,744

20,304

20,914

21,581

22,315

23,127

24,031

25,045

26,192

27,499

29,006

30,761

32,835

35,322

38,362

42,162

47,050

53,571

62,705

76,414

99,276

1,45,025

2,82,324

0

9,238

9,569

9,916

10,279

10,661

11,062

11,485

11,931

12,403

12,904

13,437

14,006

14,615

15,269

15,975

16,740

17,574

18,488

19,495

20,614

21,867

23,283

24,898

26,763

28,947

31,546

34,698

38,611

43,612

50,247

59,498

73,327

96,315

1,42,208

2,79,726

0

5,454

5,755

6,074

6,412

6,772

7,155

7,562

7,997

8,461

8,957

9,489

10,061

10,677

11,343

12,065

12,850

13,708

14,650

15,691

16,847

18,142

19,603

21,268

23,188

25,430

28,091

31,309

35,292

40,368

47,081

56,414

70,332

93,420

1,39,432

2,77,147

0

2,390

2,595

2,817

3,060

3,324

3,612

3,926

4,268

4,641

5,050

5,497

5,987

6,525

7,116

7,769

8,490

9,290

10,180

11,176

12,294

13,558

14,996

16,647

18,561

20,806

23,480

26,720

30,735

35,852

42,619

52,016

66,013

89,198

1,35,344

2,73,314

0



Age(Yrs.)


(R)


at theAge 60 (R)

RetirementCorpus

Required(R)



Yearsto

Retirement

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

20,000

35

34

33

32

31

30

29

28

27

26

25

24

23

22

21

20

19

18

17

16

15

14

13

12

11

10

9

8

7

6

5

4

3

2

1

0

2,13,532

1,99,562

1,86,507

1,74,305

1,62,902

1,52,245

1,42,285

1,32,977

1,24,277

1,16,147

1,08,549

1,01,447

94,811

88,608

82,811

77,394

72,331

67,599

63,176

59,043

55,181

51,571

48,197

45,044

42,097

39,343

36,769

34,364

32,116

30,015

28,051

26,216

24,501

22,898

21,400

20,000

4,67,62,914

4,37,03,658

4,08,44,540

3,81,72,467

3,56,75,203

3,33,41,311

3,11,60,104

2,91,21,593

2,72,16,442

2,54,35,927

2,37,71,894

2,22,16,724

2,07,63,293

1,94,04,947

1,81,35,464

1,69,49,032

1,58,40,217

1,48,03,941

1,38,35,459

1,29,30,335

1,20,84,426

1,12,93,856

1,05,55,005

98,64,491

92,19,150

86,16,028

80,52,363

75,25,573

70,33,246

65,73,127

61,43,109

57,41,224

53,65,629

50,14,607

46,86,549

43,79,952

8% 10% 12% 15%

31,62,788

31,92,347

32,22,182

32,52,296

32,82,691

33,13,371

33,44,337

33,75,592

34,07,140

34,38,982

34,71,122

35,03,563

35,36,306

35,69,356

36,02,714

36,36,384

36,70,369

37,04,672

37,39,295

37,74,242

38,09,515

38,45,118

38,81,054

39,17,325

39,53,936

39,90,888

40,28,186

40,65,833

41,03,831

41,42,185

41,80,897

42,19,971

42,59,410

42,99,217

43,39,397

43,79,952

16,64,016

17,10,671

17,58,634

18,07,941

18,58,631

19,10,742

19,64,315

20,19,389

20,76,007

21,34,213

21,94,051

22,55,566

23,18,806

23,83,820

24,50,656

25,19,366

25,90,002

26,62,619

27,37,272

28,14,018

28,92,915

29,74,025

30,57,409

31,43,131

32,31,256

33,21,852

34,14,988

35,10,735

36,09,167

37,10,359

38,14,387

39,21,333

40,31,277

41,44,303

42,60,499

43,79,952

8,85,668

9,27,054

9,70,374

10,15,719

10,63,182

11,12,864

11,64,867

12,19,300

12,76,276

13,35,915

13,98,341

14,63,684

15,32,081

16,03,674

16,78,612

17,57,051

18,39,157

19,25,098

20,15,056

21,09,218

22,07,779

23,10,947

24,18,935

25,31,969

26,50,285

27,74,131

29,03,763

30,39,453

31,81,483

33,30,151

34,85,765

36,48,651

38,19,149

39,97,614

41,84,418

43,79,952

3,51,137

3,77,391

4,05,607

4,35,933

4,68,526

5,03,556

5,41,205

5,81,669

6,25,158

6,71,899

7,22,134

7,76,125

8,34,153

8,96,520

9,63,550

10,35,591

11,13,018

11,96,234

12,85,672

13,81,797

14,85,109

15,96,145

17,15,483

18,43,744

19,81,594

21,29,750

22,88,984

24,60,123

26,44,058

28,41,744

30,54,211

32,82,563

35,27,988

37,91,763

40,75,260

43,79,952

8% 10% 12% 15%

20,386

20,746

21,123

21,518

21,934

22,371

22,834

23,324

23,845

24,401

24,996

25,635

26,325

27,072

27,885

28,775

29,753

30,836

32,042

33,394

34,922

36,666

38,674

41,015

43,780

47,096

51,149

56,216

62,733

71,427

83,606

1,01,885

1,32,368

1,93,366

3,76,432

0

12,317

12,759

13,221

13,706

14,215

14,750

15,313

15,908

16,538

17,206

17,916

18,674

19,486

20,358

21,299

22,320

23,432

24,650

25,994

27,486

29,156

31,043

33,197

35,684

38,596

42,061

46,264

51,481

58,150

66,997

79,330

97,769

1,28,420

1,89,610

3,72,968

0

7,272

7,673

8,098

8,550

9,030

9,540

10,083

10,662

11,281

11,943

12,652

13,415

14,236

15,124

16,086

17,133

18,277

19,534

20,921

22,463

24,189

26,137

28,358

30,917

33,907

37,455

41,745

47,056

53,824

62,775

75,219

93,776

1,24,559

1,85,909

3,69,529

0

3,186

3,459

3,757

4,080

4,432

4,816

5,234

5,690

6,188

6,733

7,329

7,982

8,700

9,489

10,358

11,320

12,387

13,574

14,901

16,392

18,077

19,995

22,196

24,748

27,742

31,306

35,626

40,980

47,803

56,825

69,355

88,017

1,18,931

1,80,459

3,64,418

0



Age(Yrs.)


(R)


at theAge 60 (R)

RetirementCorpus

Required(R)



Yearsto

Retirement

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

25,000

35

34

33

32

31

30

29

28

27

26

25

24

23

22

21

20

19

18

17

16

15

14

13

12

11

10

9

8

7

6

5

4

3

2

1

0

2,66,915

2,49,453

2,33,133

2,17,882

2,03,628

1,90,306

1,77,856

1,66,221

1,55,347

1,45,184

1,35,686

1,26,809

1,18,513

1,10,760

1,03,514

96,742

90,413

84,498

78,970

73,804

68,976

64,463

60,246

56,305

52,621

49,179

45,961

42,955

40,145

37,518

35,064

32,770

30,626

28,623

26,750

25,000

5,84,53,642

5,46,29,572

5,10,55,675

4,77,15,584

4,45,94,004

4,16,76,639

3,89,50,130

3,64,01,991

3,40,20,552

3,17,94,908

2,97,14,868

2,77,70,904

2,59,54,116

2,42,56,183

2,26,69,330

2,11,86,290

1,98,00,271

1,85,04,926

1,72,94,324

1,61,62,919

1,51,05,532

1,41,17,320

1,31,93,757

1,23,30,614

1,15,23,938

1,07,70,036

1,00,65,454

94,06,966

87,91,557

82,16,409

76,78,886

71,76,529

67,07,037

62,68,259

58,58,186

54,74,940

8% 10% 12% 15%

39,53,485

39,90,434

40,27,728

40,65,370

41,03,364

41,41,713

41,80,421

42,19,490

42,58,925

42,98,728

43,38,903

43,79,453

44,20,383

44,61,695

45,03,393

45,45,481

45,87,962

46,30,840

46,74,119

47,17,802

47,61,894

48,06,397

48,51,317

48,96,656

49,42,419

49,88,610

50,35,233

50,82,291

51,29,789

51,77,731

52,26,121

52,74,963

53,24,262

53,74,022

54,24,246

54,74,940

20,80,020

21,38,339

21,98,292

22,59,927

23,23,289

23,88,428

24,55,393

25,24,236

25,95,009

26,67,766

27,42,563

28,19,458

28,98,508

29,79,774

30,63,320

31,49,207

32,37,503

33,28,274

34,21,590

35,17,522

36,16,144

37,17,531

38,21,761

39,28,914

40,39,070

41,52,315

42,68,735

43,88,419

45,11,459

46,37,948

47,67,984

49,01,666

50,39,096

51,80,379

53,25,623

54,74,940

11,07,085

11,58,817

12,12,968

12,69,649

13,28,978

13,91,080

14,56,083

15,24,125

15,95,345

16,69,894

17,47,927

18,29,606

19,15,101

20,04,592

20,98,264

21,96,314

22,98,946

24,06,373

25,18,820

26,36,522

27,59,724

28,88,683

30,23,668

31,64,961

33,12,857

34,67,663

36,29,704

37,99,316

39,76,854

41,62,688

43,57,206

45,60,814

47,73,936

49,97,017

52,30,523

54,74,940

4,38,922

4,71,738

5,07,009

5,44,916

5,85,657

6,29,445

6,76,506

7,27,086

7,81,447

8,39,873

9,02,667

9,70,157

10,42,692

11,20,650

12,04,437

12,94,488

13,91,272

14,95,293

16,07,090

17,27,247

18,56,387

19,95,182

21,44,354

23,04,680

24,76,992

26,62,188

28,61,230

30,75,154

33,05,072

35,52,180

38,17,764

41,03,204

44,09,986

47,39,704

50,94,075

54,74,940

8% 10% 12% 15%

25,482

25,933

26,404

26,898

27,417

27,964

28,542

29,155

29,806

30,501

31,245

32,044

32,906

33,840

34,857

35,969

37,192

38,545

40,052

41,742

43,653

45,832

48,343

51,269

54,725

58,870

63,936

70,270

78,417

89,284

1,04,508

1,27,357

1,65,461

2,41,708

4,70,540

0

15,396

15,948

16,526

17,132

17,768

18,437

19,142

19,885

20,672

21,507

22,395

23,343

24,358

25,448

26,624

27,900

29,290

30,813

32,492

34,357

36,445

38,804

41,496

44,605

48,245

52,577

57,830

64,351

72,687

83,746

99,163

1,22,211

1,60,525

2,37,013

4,66,209

0

9,089

9,591

10,123

10,687

11,287

11,925

12,604

13,328

14,101

14,928

15,815

16,769

17,795

18,905

20,108

21,416

22,847

24,417

26,152

28,079

30,236

32,672

35,447

38,647

42,384

46,818

52,182

58,820

67,279

78,468

94,024

1,17,220

1,55,699

2,32,386

4,61,911

0

3,983

4,324

4,696

5,100

5,540

6,020

6,543

7,113

7,736

8,416

9,161

9,978

10,874

11,861

12,948

14,150

15,483

16,967

18,626

20,490

22,596

24,993

27,745

30,935

34,677

39,133

44,533

51,225

59,754

71,031

86,694

1,10,022

1,48,664

2,25,574

4,55,523

0



Age(Yrs.)


(R)


at theAge 60 (R)

RetirementCorpus

Required(R)



Yearsto

Retirement

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

30,000

35

34

33

32

31

30

29

28

27

26

25

24

23

22

21

20

19

18

17

16

15

14

13

12

11

10

9

8

7

6

5

4

3

2

1

0

3,20,297

2,99,343

2,79,760

2,61,458

2,44,353

2,28,368

2,13,428

1,99,465

1,86,416

1,74,221

1,62,823

1,52,171

1,42,216

1,32,912

1,24,217

1,16,091

1,08,496

1,01,398

94,764

88,565

82,771

77,356

72,295

67,566

63,146

59,015

55,154

51,546

48,173

45,022

42,077

39,324

36,751

34,347

32,100

30,000

7,01,44,371

6,55,55,487

6,12,66,810

5,72,58,701

5,35,12,805

5,00,11,967

4,67,40,156

4,36,82,389

4,08,24,663

3,81,53,890

3,56,57,841

3,33,25,085

3,11,44,940

2,91,07,420

2,72,03,196

2,54,23,548

2,37,60,325

2,22,05,911

2,07,53,188

1,93,95,503

1,81,26,638

1,69,40,784

1,58,32,508

1,47,96,736

1,38,28,726

1,29,24,043

1,20,78,545

1,12,88,359

1,05,49,869

98,59,690

92,14,664

86,11,835

80,48,444

75,21,910

70,29,823

65,69,928

8% 10% 12% 15%

47,44,182

47,88,521

48,33,273

48,78,444

49,24,037

49,70,056

50,16,505

50,63,388

51,10,710

51,58,473

52,06,683

52,55,344

53,04,459

53,54,034

54,04,071

54,54,577

55,05,554

55,57,008

56,08,942

56,61,362

57,14,272

57,67,677

58,21,580

58,75,988

59,30,903

59,86,332

60,42,279

60,98,749

61,55,747

62,13,277

62,71,345

63,29,956

63,89,115

64,48,826

65,09,095

65,69,928

24,96,025

25,66,006

26,37,951

27,11,912

27,87,947

28,66,113

29,46,472

30,29,083

31,14,011

32,01,319

32,91,076

33,83,349

34,78,209

35,75,729

36,75,983

37,79,048

38,85,003

39,93,928

41,05,908

42,21,027

43,39,373

44,61,038

45,86,114

47,14,696

48,46,884

49,82,778

51,22,482

52,66,103

54,13,751

55,65,538

57,21,581

58,81,999

60,46,915

62,16,455

63,90,748

65,69,928

13,28,501

13,90,581

14,55,561

15,23,578

15,94,774

16,69,296

17,47,300

18,28,950

19,14,415

20,03,873

20,97,512

21,95,527

22,98,121

24,05,510

25,17,917

26,35,577

27,58,735

28,87,648

30,22,584

31,63,827

33,11,669

34,66,420

36,28,402

37,97,954

39,75,428

41,61,196

43,55,644

45,59,179

47,72,225

49,95,226

52,28,648

54,72,977

57,28,724

59,96,421

62,76,628

65,69,928

5,26,706

5,66,086

6,08,410

6,53,899

7,02,789

7,55,333

8,11,807

8,72,503

9,37,737

10,07,848

10,83,201

11,64,188

12,51,230

13,44,780

14,45,324

15,53,386

16,69,527

17,94,351

19,28,508

20,72,696

22,27,664

23,94,218

25,73,225

27,65,616

29,72,391

31,94,626

34,33,476

36,90,185

39,66,086

42,62,616

45,81,316

49,23,845

52,91,983

56,87,645

61,12,889

65,69,928

8% 10% 12% 15%

30,579

31,119

31,685

32,277

32,900

33,557

34,251

34,986

35,768

36,602

37,494

38,453

39,487

40,608

41,828

43,162

44,630

46,254

48,062

50,091

52,383

54,999

58,011

61,523

65,670

70,644

76,723

84,324

94,100

1,07,141

1,25,409

1,52,828

1,98,553

2,90,050

5,64,648

0

18,475

19,138

19,832

20,559

21,322

22,124

22,970

23,862

24,807

25,809

26,874

28,012

29,229

30,537

31,949

33,480

35,148

36,975

38,990

41,229

43,734

46,565

49,796

53,526

57,895

63,092

69,396

77,222

87,225

1,00,495

1,18,996

1,46,653

1,92,630

2,84,415

5,59,451

0

10,907

11,509

12,148

12,825

13,544

14,310

15,125

15,993

16,921

17,914

18,979

20,122

21,354

22,686

24,129

25,700

27,416

29,301

31,382

33,695

36,284

39,206

42,537

46,376

50,860

56,182

62,618

70,584

80,735

94,162

1,12,828

1,40,664

1,86,839

2,78,863

5,54,293

0

4,779

5,189

5,635

6,120

6,648

7,224

7,851

8,535

9,283

10,099

10,994

11,973

13,049

14,233

15,538

16,980

18,580

20,361

22,351

24,588

27,115

29,992

33,294

37,122

41,613

46,959

53,440

61,470

71,705

85,237

1,04,033

1,32,026

1,78,396

2,70,688

5,46,627

0



Age(Yrs.)


(R)


at theAge 60 (R)

RetirementCorpus

Required(R)



Yearsto

Retirement

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35,000

35

34

33

32

31

30

29

28

27

26

25

24

23

22

21

20

19

18

17

16

15

14

13

12

11

10

9

8

7

6

5

4

3

2

1

0

3,73,680

3,49,234

3,26,387

3,05,034

2,85,079

2,66,429

2,48,999

2,32,709

2,17,485

2,03,257

1,89,960

1,77,533

1,65,919

1,55,064

1,44,920

1,35,439

1,26,578

1,18,298

1,10,559

1,03,326

96,566

90,249

84,345

78,827

73,670

68,850

64,346

60,137

56,202

52,526

49,089

45,878

42,877

40,072

37,450

35,000

8,18,35,099

7,64,81,401

7,14,77,945

6,68,01,818

6,24,31,606

5,83,47,295

5,45,30,182

5,09,62,787

4,76,28,773

4,45,12,872

4,16,00,815

3,88,79,266

3,63,35,763

3,39,58,657

3,17,37,062

2,96,60,806

2,77,20,379

2,59,06,897

2,42,12,053

2,26,28,087

2,11,47,745

1,97,64,247

1,84,71,259

1,72,62,859

1,61,33,513

1,50,78,050

1,40,91,635

1,31,69,753

1,23,08,180

1,15,02,972

1,07,50,441

1,00,47,141

93,89,852

87,75,562

82,01,460

76,64,916

8% 10% 12% 15%

55,34,880

55,86,607

56,38,819

56,91,518

57,44,710

57,98,399

58,52,589

59,07,286

59,62,495

60,18,219

60,74,464

61,31,235

61,88,536

62,46,373

63,04,750

63,63,673

64,23,146

64,83,176

65,43,766

66,04,923

66,66,651

67,28,956

67,91,844

68,55,319

69,19,387

69,84,054

70,49,326

71,15,208

71,81,705

72,48,824

73,16,570

73,84,949

74,53,967

75,23,630

75,93,944

76,64,916

29,12,029

29,93,674

30,77,609

31,63,897

32,52,605

33,43,799

34,37,550

35,33,930

36,33,013

37,34,873

38,39,589

39,47,241

40,57,911

41,71,684

42,88,647

44,08,890

45,32,504

46,59,583

47,90,226

49,24,531

50,62,602

52,04,544

53,50,466

55,00,479

56,54,698

58,13,241

59,76,229

61,43,787

63,16,042

64,93,128

66,75,178

68,62,333

70,54,734

72,52,531

74,55,873

76,64,916

15,49,918

16,22,344

16,98,155

17,77,508

18,60,569

19,47,512

20,38,517

21,33,775

22,33,484

23,37,852

24,47,097

25,61,448

26,81,142

28,06,429

29,37,570

30,74,840

32,18,524

33,68,922

35,26,349

36,91,131

38,63,614

40,44,157

42,33,136

44,30,946

46,38,000

48,54,728

50,81,585

53,19,042

55,67,596

58,27,764

61,00,089

63,85,140

66,83,511

69,95,824

73,22,732

76,64,916

6,14,491

6,60,434

7,09,812

7,62,882

8,19,920

8,81,222

9,47,108

10,17,920

10,94,026

11,75,822

12,63,734

13,58,219

14,59,768

15,68,910

16,86,212

18,12,284

19,47,781

20,93,410

22,49,926

24,18,145

25,98,941

27,93,255

30,02,096

32,26,552

34,67,789

37,27,063

40,05,722

43,05,215

46,27,101

49,73,052

53,44,869

57,44,486

61,73,980

66,35,586

71,31,704

76,64,916

8% 10% 12% 15%

35,675

36,306

36,965

37,657

38,384

39,150

39,959

40,817

41,729

42,702

43,743

44,862

46,069

47,376

48,799

50,356

52,068

53,963

56,073

58,439

61,114

64,165

67,680

71,777

76,615

82,418

89,511

98,378

1,09,783

1,24,998

1,46,311

1,78,299

2,31,645

3,38,391

6,58,756

0

21,555

22,328

23,137

23,985

24,876

25,812

26,798

27,839

28,941

30,110

31,353

32,680

34,101

35,627

37,274

39,060

41,006

43,138

45,489

48,100

51,024

54,326

58,095

62,448

67,544

73,607

80,961

90,092

1,01,762

1,17,244

1,38,828

1,71,095

2,24,735

3,31,818

6,52,693

0

12,725

13,427

14,172

14,962

15,802

16,695

17,645

18,659

19,742

20,900

22,142

23,476

24,914

26,467

28,151

29,983

31,985

34,184

36,612

39,311

42,331

45,740

49,626

54,105

59,337

65,546

73,054

82,348

94,191

1,09,856

1,31,633

1,64,108

2,17,979

3,25,341

6,46,675

0

5,576

6,054

6,574

7,140

7,756

8,428

9,160

9,958

10,830

11,783

12,826

13,969

15,224

16,605

18,127

19,810

21,677

23,754

26,076

28,686

31,634

34,991

38,843

43,309

48,548

54,786

62,346

71,715

83,656

99,443

1,21,372

1,54,030

2,08,129

3,15,803

6,37,732

0



Age(Yrs.)


(R)


at theAge 60 (R)

RetirementCorpus

Required(R)



Yearsto

Retirement

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

40,000

35

34

33

32

31

30

29

28

27

26

25

24

23

22

21

20

19

18

17

16

15

14

13

12

11

10

9

8

7

6

5

4

3

2

1

0

4,27,063

3,99,125

3,73,014

3,48,611

3,25,805

3,04,490

2,84,570

2,65,954

2,48,555

2,32,294

2,17,097

2,02,895

1,89,621

1,77,216

1,65,622

1,54,787

1,44,661

1,35,197

1,26,353

1,18,087

1,10,361

1,03,141

96,394

90,088

84,194

78,686

73,538

68,727

64,231

60,029

56,102

52,432

49,002

45,796

42,800

40,000

9,35,25,828

8,74,07,316

8,16,89,080

7,63,44,935

7,13,50,406

6,66,82,623

6,23,20,208

5,82,43,185

5,44,32,883

5,08,71,854

4,75,43,788

4,44,33,447

4,15,26,586

3,88,09,894

3,62,70,929

3,38,98,064

3,16,80,434

2,96,07,882

2,76,70,918

2,58,60,671

2,41,68,851

2,25,87,711

2,11,10,011

1,97,28,982

1,84,38,301

1,72,32,057

1,61,04,726

1,50,51,146

1,40,66,491

1,31,46,254

1,22,86,218

1,14,82,447

1,07,31,259

1,00,29,214

93,73,097

87,59,904

8% 10% 12% 15%

63,25,577

63,84,694

64,44,364

65,04,592

65,65,382

66,26,741

66,88,673

67,51,184

68,14,279

68,77,964

69,42,244

70,07,125

70,72,612

71,38,711

72,05,428

72,72,769

73,40,739

74,09,344

74,78,590

75,48,483

76,19,030

76,90,236

77,62,107

78,34,650

79,07,871

79,81,777

80,56,373

81,31,666

82,07,663

82,84,370

83,61,794

84,39,941

85,18,819

85,98,434

86,78,794

87,59,904

33,28,033

34,21,342

35,17,267

36,15,882

37,17,262

38,21,485

39,28,629

40,38,778

41,52,014

42,68,426

43,88,101

45,11,132

46,37,613

47,67,639

49,01,311

50,38,731

51,80,004

53,25,238

54,74,544

56,28,035

57,85,831

59,48,050

61,14,818

62,86,262

64,62,512

66,43,704

68,29,976

70,21,471

72,18,334

74,20,717

76,28,775

78,42,666

80,62,554

82,88,607

85,20,997

87,59,904

17,71,335

18,54,108

19,40,748

20,31,438

21,26,365

22,25,728

23,29,733

24,38,600

25,52,553

26,71,831

27,96,683

29,27,369

30,64,162

32,07,347

33,57,223

35,14,103

36,78,313

38,50,197

40,30,113

42,18,436

44,15,559

46,21,893

48,37,870

50,63,938

53,00,571

55,48,261

58,07,526

60,78,905

63,62,966

66,60,301

69,71,530

72,97,303

76,38,298

79,95,228

83,68,837

87,59,904

7,02,275

7,54,781

8,11,214

8,71,865

9,37,051

10,07,111

10,82,409

11,63,337

12,50,316

13,43,797

14,44,268

15,52,251

16,68,307

17,93,040

19,27,099

20,71,181

22,26,036

23,92,468

25,71,345

27,63,595

29,70,219

31,92,291

34,30,967

36,87,488

39,63,188

42,59,501

45,77,968

49,20,246

52,88,115

56,83,488

61,08,422

65,65,126

70,55,977

75,83,527

81,50,519

87,59,904

8% 10% 12% 15%

40,772

41,492

42,246

43,036

43,867

44,743

45,668

46,648

47,690

48,802

49,992

51,271

52,650

54,144

55,771

57,550

59,507

61,672

64,083

66,787

69,844

73,331

77,349

82,030

87,559

94,192

1,02,298

1,12,432

1,25,467

1,42,855

1,67,212

2,03,770

2,64,737

3,86,733

7,52,864

0

24,634

25,517

26,442

27,412

28,429

29,499

30,626

31,817

33,076

34,412

35,833

37,349

38,972

40,716

42,599

44,640

46,863

49,300

51,987

54,972

58,313

62,087

66,394

71,369

77,193

84,122

92,527

1,02,962

1,16,300

1,33,993

1,58,661

1,95,537

2,56,840

3,79,221

7,45,935

0

14,543

15,346

16,197

17,100

18,059

19,080

20,166

21,325

22,562

23,886

25,305

26,830

28,473

30,248

32,172

34,266

36,555

39,068

41,843

44,926

48,378

52,275

56,715

61,834

67,814

74,909

83,491

94,112

1,07,647

1,25,549

1,50,438

1,87,552

2,49,119

3,71,818

7,39,057

0

6,372

6,919

7,513

8,160

8,864

9,632

10,468

11,380

12,377

13,466

14,658

15,965

17,399

18,977

20,717

22,640

24,773

27,148

29,802

32,783

36,153

39,989

44,392

49,495

55,484

62,613

71,253

81,960

95,606

1,13,650

1,38,711

1,76,035

2,37,862

3,60,918

7,28,836

0



Age(Yrs.)


(R)


at theAge 60 (R)

RetirementCorpus

Required(R)



Yearsto

Retirement

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

45,000

35

34

33

32

31

30

29

28

27

26

25

24

23

22

21

20

19

18

17

16

15

14

13

12

11

10

9

8

7

6

5

4

3

2

1

0

4,80,446

4,49,015

4,19,640

3,92,187

3,66,530

3,42,551

3,20,142

2,99,198

2,79,624

2,61,331

2,44,234

2,28,257

2,13,324

1,99,368

1,86,325

1,74,136

1,62,744

1,52,097

1,42,147

1,32,847

1,24,156

1,16,034

1,08,443

1,01,349

94,718

88,522

82,731

77,318

72,260

67,533

63,115

58,986

55,127

51,521

48,150

45,000

10,52,16,556

9,83,33,230

9,19,00,215

8,58,88,052

8,02,69,207

7,50,17,951

7,01,10,234

6,55,23,583

6,12,36,994

5,72,30,835

5,34,86,762

4,99,87,628

4,67,17,409

4,36,61,130

4,08,04,795

3,81,35,322

3,56,40,488

3,33,08,867

3,11,29,782

2,90,93,255

2,71,89,958

2,54,11,175

2,37,48,762

2,21,95,105

2,07,43,088

1,93,86,064

1,81,17,817

1,69,32,539

1,58,24,803

1,47,89,535

1,38,21,996

1,29,17,753

1,20,72,666

1,12,82,866

1,05,44,734

98,54,892

8% 10% 12% 15%

71,16,274

71,82,781

72,49,910

73,17,666

73,86,055

74,55,084

75,24,757

75,95,082

76,66,064

77,37,710

78,10,025

78,83,016

79,56,689

80,31,050

81,06,107

81,81,865

82,58,331

83,35,512

84,13,414

84,92,044

85,71,409

86,51,515

87,32,370

88,13,981

88,96,355

89,79,499

90,63,419

91,48,124

92,33,620

93,19,916

94,07,018

94,94,934

95,83,672

96,73,239

97,63,643

98,54,892

37,44,037

38,49,010

39,56,926

40,67,868

41,81,920

42,99,170

44,19,708

45,43,625

46,71,016

48,01,979

49,36,614

50,75,024

52,17,314

53,63,594

55,13,975

56,68,573

58,27,505

59,90,893

61,58,861

63,31,540

65,09,060

66,91,557

68,79,170

70,72,044

72,70,326

74,74,167

76,83,723

78,99,154

81,20,626

83,48,307

85,82,372

88,22,999

90,70,373

93,24,682

95,86,122

98,54,892

19,92,752

20,85,871

21,83,342

22,85,367

23,92,160

25,03,943

26,20,950

27,43,424

28,71,622

30,05,810

31,46,268

32,93,290

34,47,182

36,08,265

37,76,876

39,53,365

41,38,102

43,31,471

45,33,877

47,45,740

49,67,504

51,99,630

54,42,603

56,96,931

59,63,142

62,41,794

65,33,466

68,38,769

71,58,337

74,92,839

78,42,972

82,09,466

85,93,085

89,94,631

94,14,941

98,54,892

7,90,059

8,49,129

9,12,615

9,80,848

10,54,183

11,33,000

12,17,710

13,08,754

14,06,605

15,11,772

16,24,801

17,46,282

18,76,845

20,17,170

21,67,986

23,30,079

25,04,290

26,91,527

28,92,763

31,09,044

33,41,496

35,91,327

38,59,838

41,48,424

44,58,586

47,91,939

51,50,214

55,35,277

59,49,130

63,93,924

68,71,975

73,85,767

79,37,974

85,31,467

91,69,334

98,54,892

8% 10% 12% 15%

45,868

46,679

47,527

48,416

49,351

50,335

51,376

52,479

53,652

54,902

56,241

57,679

59,231

60,912

62,742

64,744

66,945

69,381

72,094

75,136

78,575

82,498

87,017

92,284

98,504

1,05,966

1,15,085

1,26,486

1,41,150

1,60,712

1,88,114

2,29,242

2,97,829

4,35,074

8,46,972

0

27,713

28,707

29,748

30,838

31,983

33,187

34,455

35,794

37,210

38,713

40,312

42,017

43,844

45,806

47,924

50,220

52,721

55,463

58,486

61,843

65,602

69,848

74,693

80,290

86,842

94,638

1,04,093

1,15,833

1,30,837

1,50,742

1,78,493

2,19,980

2,88,945

4,26,623

8,39,177

0

16,361

17,264

18,221

19,237

20,317

21,465

22,687

23,990

25,382

26,871

28,468

30,183

32,032

34,029

36,194

38,550

41,124

43,951

47,073

50,542

54,426

58,809

63,805

69,564

76,291

84,273

93,927

1,05,876

1,21,103

1,41,243

1,69,243

2,10,996

2,80,259

4,18,295

8,31,440

0

7,169

7,784

8,452

9,180

9,972

10,836

11,777

12,803

13,924

15,149

16,490

17,960

19,574

21,349

23,307

25,470

27,870

30,541

33,527

36,881

40,673

44,988

49,941

55,682

62,419

70,439

80,159

92,205

1,07,557

1,27,856

1,56,049

1,98,039

2,67,595

4,06,033

8,19,941

0



Age(Yrs.)


(R)


at theAge 60 (R)

RetirementCorpus

Required(R)



Yearsto

Retirement

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

50,000

35

34

33

32

31

30

29

28

27

26

25

24

23

22

21

20

19

18

17

16

15

14

13

12

11

10

9

8

7

6

5

4

3

2

1

0

5,33,829

4,98,906

4,66,267

4,35,764

4,07,256

3,80,613

3,55,713

3,32,442

3,10,693

2,90,368

2,71,372

2,53,618

2,37,026

2,21,520

2,07,028

1,93,484

1,80,826

1,68,997

1,57,941

1,47,608

1,37,952

1,28,927

1,20,492

1,12,610

1,05,243

98,358

91,923

85,909

80,289

75,037

70,128

65,540

61,252

57,245

53,500

50,000

11,69,07,285

10,92,59,145

10,21,11,350

9,54,31,168

8,91,88,008

8,33,53,278

7,79,00,260

7,28,03,981

6,80,41,104

6,35,89,817

5,94,29,735

5,55,41,809

5,19,08,233

4,85,12,367

4,53,38,661

4,23,72,580

3,96,00,542

3,70,09,852

3,45,88,647

3,23,25,838

3,02,11,064

2,82,34,639

2,63,87,513

2,46,61,227

2,30,47,876

2,15,40,071

2,01,30,908

1,88,13,932

1,75,83,114

1,64,32,817

1,53,57,773

1,43,53,059

1,34,14,074

1,25,36,517

1,17,16,371

1,09,49,880

8% 10% 12% 15%

79,06,971

79,80,868

80,55,455

81,30,740

82,06,728

82,83,426

83,60,842

84,38,980

85,17,849

85,97,455

86,77,805

87,58,906

88,40,765

89,23,389

90,06,786

90,90,961

91,75,923

92,61,680

93,48,237

94,35,604

95,23,787

96,12,795

97,02,634

97,93,313

98,84,839

99,77,221

1,00,70,466

1,01,64,582

1,02,59,578

1,03,55,462

1,04,52,242

1,05,49,927

1,06,48,524

1,07,48,043

1,08,48,492

1,09,49,880

41,60,041

42,76,677

43,96,584

45,19,853

46,46,578

47,76,856

49,10,786

50,48,472

51,90,018

53,35,532

54,85,127

56,38,915

57,97,016

59,59,549

61,26,639

62,98,414

64,75,005

66,56,547

68,43,179

70,35,044

72,32,289

74,35,063

76,43,523

78,57,827

80,78,140

83,04,630

85,37,470

87,76,838

90,22,918

92,75,897

95,35,969

98,03,332

1,00,78,192

1,03,60,758

1,06,51,247

1,09,49,880

22,14,169

23,17,635

24,25,936

25,39,297

26,57,956

27,82,159

29,12,167

30,48,249

31,90,691

33,39,789

34,95,854

36,59,211

38,30,202

40,09,184

41,96,529

43,92,628

45,97,891

48,12,746

50,37,641

52,73,044

55,19,448

57,77,367

60,47,337

63,29,923

66,25,714

69,35,326

72,59,407

75,98,632

79,53,708

83,25,377

87,14,413

91,21,628

95,47,873

99,94,035

1,04,61,046

1,09,49,880

8,77,844

9,43,477

10,14,017

10,89,831

11,71,314

12,58,889

13,53,012

14,54,171

15,62,895

16,79,746

18,05,335

19,40,313

20,85,383

22,41,300

24,08,874

25,88,976

27,82,545

29,90,586

32,14,181

34,54,493

37,12,773

39,90,364

42,88,709

46,09,360

49,53,985

53,24,376

57,22,460

61,50,308

66,10,144

71,04,360

76,35,527

82,06,408

88,19,971

94,79,408

1,01,88,149

1,09,49,880

8% 10% 12% 15%

50,965

51,865

52,808

53,796

54,834

55,928

57,085

58,310

59,613

61,003

62,490

64,088

65,812

67,680

69,713

71,937

74,384

77,090

80,104

83,484

87,306

91,664

96,686

1,02,538

1,09,449

1,17,740

1,27,872

1,40,540

1,56,833

1,78,568

2,09,015

2,54,713

3,30,921

4,83,416

9,41,080

0

30,792

31,897

33,053

34,265

35,537

36,874

38,283

39,771

41,345

43,014

44,791

46,686

48,715

50,896

53,249

55,800

58,579

61,625

64,984

68,715

72,891

77,608

82,993

89,211

96,491

1,05,153

1,15,659

1,28,703

1,45,375

1,67,492

1,98,326

2,44,422

3,21,050

4,74,026

9,32,419

0

18,179

19,182

20,246

21,375

22,574

23,850

25,208

26,656

28,202

29,857

31,631

33,537

35,591

37,810

40,215

42,833

45,693

48,835

52,303

56,158

60,473

65,343

70,894

77,293

84,767

93,637

1,04,363

1,17,641

1,34,559

1,56,937

1,88,047

2,34,441

3,11,398

4,64,772

9,23,822

0

7,965

8,648

9,392

10,200

11,081

12,040

13,085

14,226

15,471

16,832

18,323

19,956

21,749

23,721

25,896

28,300

30,967

33,935

37,252

40,979

45,192

49,987

55,490

61,869

69,355

78,266

89,066

1,02,449

1,19,508

1,42,062

1,73,388

2,20,043

2,97,327

4,51,147

9,11,045

0



Age(Yrs.)


(R)


at theAge 60 (R)

RetirementCorpus

Required(R)



Yearsto

Retirement

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

55,000

35

34

33

32

31

30

29

28

27

26

25

24

23

22

21

20

19

18

17

16

15

14

13

12

11

10

9

8

7

6

5

4

3

2

1

0

5,87,212

5,48,796

5,12,894

4,79,340

4,47,981

4,18,674

3,91,284

3,65,686

3,41,763

3,19,404

2,98,509

2,78,980

2,60,729

2,43,672

2,27,731

2,12,833

1,98,909

1,85,896

1,73,735

1,62,369

1,51,747

1,41,819

1,32,541

1,23,871

1,15,767

1,08,193

1,01,115

94,500

88,318

82,540

77,140

72,094

67,377

62,970

58,850

55,000

12,85,98,013

12,01,85,059

11,23,22,485

10,49,74,285

9,81,06,809

9,16,88,606

8,56,90,286

8,00,84,380

7,48,45,215

6,99,48,799

6,53,72,709

6,10,95,990

5,70,99,056

5,33,63,604

4,98,72,527

4,66,09,838

4,35,60,596

4,07,10,838

3,80,47,512

3,55,58,422

3,32,32,170

3,10,58,103

2,90,26,265

2,71,27,350

2,53,52,664

2,36,94,078

2,21,43,998

2,06,95,326

1,93,41,426

1,80,76,099

1,68,93,550

1,57,88,365

1,47,55,481

1,37,90,169

1,28,88,009

1,20,44,868

8% 10% 12% 15%

86,97,668

87,78,954

88,61,001

89,43,814

90,27,401

91,11,769

91,96,926

92,82,878

93,69,634

94,57,201

95,45,586

96,34,797

97,24,842

98,15,728

99,07,464

1,00,00,057

1,00,93,516

1,01,87,848

1,02,83,061

1,03,79,165

1,04,76,166

1,05,74,074

1,06,72,897

1,07,72,644

1,08,73,323

1,09,74,943

1,10,77,512

1,11,81,040

1,12,85,536

1,13,91,008

1,14,97,466

1,16,04,919

1,17,13,377

1,18,22,847

1,19,33,341

1,20,44,868

45,76,045

47,04,345

48,36,243

49,71,838

51,11,236

52,54,541

54,01,865

55,53,319

57,09,020

58,69,086

60,33,639

62,02,807

63,76,717

65,55,504

67,39,303

69,28,255

71,22,506

73,22,202

75,27,497

77,38,549

79,55,517

81,78,569

84,07,875

86,43,610

88,85,954

91,35,093

93,91,217

96,54,522

99,25,210

1,02,03,487

1,04,89,566

1,07,83,666

1,10,86,011

1,13,96,834

1,17,16,371

1,20,44,868

24,35,586

25,49,398

26,68,529

27,93,227

29,23,751

30,60,375

32,03,384

33,53,074

35,09,760

36,73,768

38,45,439

40,25,132

42,13,223

44,10,102

46,16,182

48,31,891

50,57,680

52,94,021

55,41,405

58,00,349

60,71,393

63,55,103

66,52,071

69,62,915

72,88,285

76,28,859

79,85,348

83,58,495

87,49,079

91,57,914

95,85,854

1,00,33,791

1,05,02,660

1,09,93,438

1,15,07,151

1,20,44,868

9,65,628

10,37,824

11,15,419

11,98,815

12,88,446

13,84,778

14,88,313

15,99,589

17,19,184

18,47,721

19,85,868

21,34,345

22,93,922

24,65,430

26,49,761

28,47,874

30,60,799

32,89,644

35,35,599

37,99,943

40,84,050

43,89,400

47,17,579

50,70,296

54,49,383

58,56,814

62,94,706

67,65,339

72,71,158

78,14,796

83,99,080

90,27,049

97,01,968

1,04,27,349

1,12,06,964

1,20,44,868

8% 10% 12% 15%

56,061

57,052

58,088

59,175

60,317

61,521

62,793

64,141

65,574

67,103

68,739

70,497

72,394

74,448

76,685

79,131

81,822

84,799

88,114

91,833

96,036

1,00,831

1,06,354

1,12,792

1,20,394

1,29,514

1,40,660

1,54,594

1,72,517

1,96,425

2,29,917

2,80,184

3,64,013

5,31,758

10,35,188

0

33,872

35,087

36,358

37,691

39,090

40,561

42,111

43,748

45,479

47,316

49,270

51,354

53,587

55,985

58,574

61,380

64,437

67,788

71,483

75,586

80,180

85,369

91,292

98,132

1,06,140

1,15,668

1,27,225

1,41,573

1,59,912

1,84,241

2,18,158

2,68,864

3,53,156

5,21,428

10,25,661

0

19,997

21,100

22,270

23,512

24,832

26,234

27,728

29,321

31,023

32,843

34,794

36,891

39,150

41,591

44,237

47,116

50,263

53,718

57,534

61,774

66,520

71,878

77,984

85,022

93,244

1,03,000

1,14,800

1,29,405

1,48,015

1,72,630

2,06,852

2,57,885

3,42,538

5,11,249

10,16,204

0

8,762

9,513

10,331

11,220

12,189

13,244

14,394

15,648

17,018

18,516

20,155

21,951

23,924

26,093

28,486

31,131

34,064

37,328

40,977

45,077

49,711

54,985

61,039

68,056

76,290

86,092

97,973

1,12,694

1,31,459

1,56,268

1,90,727

2,42,047

3,27,060

4,96,262

10,02,150

0



Age(Yrs.)


(R)


at theAge 60 (R)

RetirementCorpus

Required(R)



Yearsto

Retirement

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

60,000

35

34

33

32

31

30

29

28

27

26

25

24

23

22

21

20

19

18

17

16

15

14

13

12

11

10

9

8

7

6

5

4

3

2

1

0

14,02,88,742

13,11,10,974

12,25,33,620

11,45,17,402

10,70,25,609

10,00,23,934

9,34,80,312

8,73,64,778

8,16,49,325

7,63,07,780

7,13,15,683

6,66,50,171

6,22,89,879

5,82,14,840

5,44,06,393

5,08,47,096

4,75,20,651

4,44,11,823

4,15,06,377

3,87,91,006

3,62,53,277

3,38,81,567

3,16,65,016

2,95,93,473

2,76,57,451

2,58,48,085

2,41,57,089

2,25,76,719

2,10,99,737

1,97,19,381

1,84,29,328

1,72,23,671

1,60,96,888

1,50,43,821

1,40,59,646

1,31,39,856

8% 10% 12% 15%

94,88,365

95,77,041

96,66,546

97,56,888

98,48,074

99,40,112

1,00,33,010

1,01,26,776

1,02,21,419

1,03,16,946

1,04,13,367

1,05,10,688

1,06,08,918

1,07,08,067

1,08,08,143

1,09,09,153

1,10,11,108

1,11,14,016

1,12,17,885

1,13,22,725

1,14,28,545

1,15,35,354

1,16,43,161

1,17,51,975

1,18,61,807

1,19,72,665

1,20,84,559

1,21,97,499

1,23,11,494

1,24,26,555

1,25,42,691

1,26,59,912

1,27,78,229

1,28,97,652

1,30,18,191

1,31,39,856

49,92,049

51,32,013

52,75,901

54,23,824

55,75,893

57,32,227

58,92,944

60,58,166

62,28,021

64,02,639

65,82,152

67,66,698

69,56,419

71,51,459

73,51,967

75,58,097

77,70,006

79,87,857

82,11,815

84,42,053

86,78,746

89,22,076

91,72,227

94,29,392

96,93,768

99,65,556

1,02,44,964

1,05,32,206

1,08,27,501

1,11,31,076

1,14,43,162

1,17,63,999

1,20,93,831

1,24,32,910

1,27,81,496

1,31,39,856

26,57,003

27,81,162

29,11,123

30,47,157

31,89,547

33,38,591

34,94,600

36,57,899

38,28,829

40,07,746

41,95,024

43,91,053

45,96,243

48,11,021

50,35,835

52,71,154

55,17,470

57,75,295

60,45,169

63,27,653

66,23,338

69,32,840

72,56,804

75,95,907

79,50,856

83,22,392

87,11,288

91,18,358

95,44,450

99,90,452

1,04,57,295

1,09,45,954

1,14,57,447

1,19,92,842

1,25,53,255

1,31,39,856

10,53,412

11,32,172

12,16,821

13,07,798

14,05,577

15,10,667

16,23,614

17,45,006

18,75,473

20,15,696

21,66,402

23,28,376

25,02,460

26,89,560

28,90,649

31,06,772

33,39,054

35,88,703

38,57,017

41,45,392

44,55,328

47,88,436

51,46,450

55,31,232

59,44,782

63,89,251

68,66,952

73,80,369

79,32,173

85,25,232

91,62,633

98,47,690

1,05,83,965

1,13,75,290

1,22,25,779

1,31,39,856

8% 10% 12% 15%

61,158

62,239

63,369

64,555

65,801

67,114

68,502

69,972

71,536

73,203

74,988

76,906

78,975

81,216

83,656

86,325

89,260

92,508

96,125

1,00,181

1,04,767

1,09,997

1,16,023

1,23,045

1,31,339

1,41,288

1,53,447

1,68,648

1,88,200

2,14,282

2,50,818

3,05,656

3,97,105

5,80,099

11,29,296

0

36,951

38,276

39,663

41,117

42,644

44,249

45,940

47,725

49,614

51,617

53,749

56,023

58,458

61,075

63,898

66,960

70,295

73,950

77,981

82,457

87,469

93,130

99,591

1,07,053

1,15,789

1,26,184

1,38,791

1,54,444

1,74,449

2,00,990

2,37,991

2,93,306

3,85,261

5,68,831

11,18,903

0

21,815

23,019

24,295

25,650

27,089

28,619

30,249

31,987

33,843

35,828

37,957

40,245

42,709

45,372

48,258

51,399

54,832

58,602

62,764

67,390

72,567

78,412

85,073

92,752

1,01,721

1,12,364

1,25,236

1,41,169

1,61,471

1,88,324

2,25,657

2,81,329

3,73,678

5,57,727

11,08,586

0

9,558

10,378

11,270

12,240

13,297

14,447

15,702

17,071

18,565

20,199

21,987

23,947

26,099

28,466

31,075

33,961

37,160

40,722

44,703

49,175

54,230

59,984

66,588

74,243

83,225

93,919

1,06,879

1,22,939

1,43,410

1,70,474

2,08,066

2,64,052

3,56,793

5,41,377

10,93,254

0



6,40,595

5,98,687

5,59,520

5,22,916

4,88,707

4,56,735

4,26,855

3,98,930

3,72,832

3,48,441

3,25,646

3,04,342

2,84,432

2,65,824

2,48,434

2,32,181

2,16,992

2,02,796

1,89,529

1,77,130

1,65,542

1,54,712

1,44,591

1,35,131

1,26,291

1,18,029

1,10,308

1,03,091

96,347

90,044

84,153

78,648

73,503

68,694

64,200

60,000

Age(Yrs.)


(R)


at theAge 60 (R)

RetirementCorpus

Required(R)



Yearsto

Retirement

Leather jacket. Dinner jacket. Warm jacket.

Mutual Fund investments are subject to market risks,read the scheme information document carefully before investing.

NFO closes on 21st October 2011.Units at Rs. 10/- each.

When you adapt to age, shouldnt your retirement plan too?

Presenting, the Tata Retirement Savings Fund, a

suite of retirement plans with auto-switch facility

that selects investment plans to suit your age. It

invests aggressively in your prime, moderately

as you grow and conservatively in your golden

years, making sure that your investments adapt

to the future, just like you do.

Call us at: 1-800-209-0101 SMS: TMF to 57575 Website: www.tatamutualfund.com

For statutory details, risk factors and disclaimer please refer to the inside front cover page.

Documents

Tata Retirement Savings Fund - Ready Reckoner