SVKM’s NMIMS

School of Business Management

Programme: MBA Batch: 2022 - 2024

Academic Year: 2023 – 2024 Subject: Wealth Management
Date: 07 December 2023 Time: 11:00 to 13:00 Duration: - 2 Hrs

N.B.:-

1. There are four questions in this paper. All questions are compulsory.

2. Each question carries10 marks.

3. For answering the questions use of this excel book is only allowed.

4. Access to Internet / intranet is prohibited.

5. Each question has been provided in the designated excel sheet for that question.

6. Answer each question in the designated excel sheet for that question.

7. While answering the question don’t leave unnecessary space.

8. Cover your answer area by thick box border in the same way as questions are covered

9. While answering do not change question data.

 Semester: V
Marks: 40
Duration: - 2 Hrs

et for that question.

y as questions are covered

 Q1: Mr Rohvir an employee at JCL ltd approached you for his retirement planning. His annual expenses
today are Rs. 10 lakh out of which Rs. 2 lakh are health related expenses and rest of Rs. 8 lakh are
general expenses. However he is committed to change his living standard and thereby reduce the general
expenses to 75% of current general expenses but health expenses are expected to increase by 50%. He is
currently 32 years old and is expected to retire at 65. He life expectancy si 80 years. Expected overall
inflation rate is 5%. The return on retirement corpus is expected to be 7%. You are required to:
a. Solve the case to arrive at inflation adjusted annual expenses of client at the time of retirement. 2 Marks
b.
c. Appraise Rohvir investing
He is currently about the retirement
Rs. 12000 corpus required
pm in large captoequity
finance the expenses
oriented of non-earning
funds which life. to 3 Marks
are expected
generate a return of 12% annually. Ralate and find out if this investment enough to finance his retirement
corpus. 3 Marks
d. Judge the rate of retrun that Rohvir needs so as to finance his retirement corpus adequately,
considering that he can invest only Rs. 12000 pm? 2 Marks

Annual expenses 1,000,000

Health expenses 200,000
general expenses 800,000

health exp. Increased by 100000

New health expenses 300,000
New general expenses 600000

Inflation 5%
Return 7%

adjusted return 1.01904761904762

A)&b)
current age 32
Expected to retire 65
remaining 15
B) retirement corpus ₹ 11,647,160.73
A) adjusted return 1.01904761904762

Duration 33
PMT OF SIP 12000
RATE OF RETURN 12%
ABSOLUTE RETURN 6.6667%
FUTURE VALUE ₹ 17,215,698.97

this is more than enough as he needs approximately 11647160 but he is earning more than it

d)
Err:523
1.90%
1.90%

396
Q2: Chandan, aged 35 years, is working as a faculty mamber in a management institute with an annual sala
and 4 years and is expected to retire at the of age of 65 years. His wife is aged 30 years and has a life expe
Value of his present investments (in his name) is Rs.5,50,000/- and balance at bank is Rs.50,000/-
Chandan would like to have an emergency fund of Rs.5,00,000/- and also to create education fund for his t
education he wants for elder child are Rs.10,00,000/- and younger child are Rs.12,00,000/- in todays terms
of 18. Education inflation in India on an average is assumed to be 5.5%.
He has an outstanding loan of Rs.10,00,000/- on his house property, currently valued at Rs.80,00,000/-. Be
insurance at the time of disbursement of loan to which Candan agreed.
Chandan wishes to provide the present income to the family for 1 year in case of his untimely death. Then
and 50% of present income for the remaining surviving period of his spouse.
Chandan wants to know whether he is adequately insured, and, in case if not, what is the additional amoun
average inflation over the next 35 years to be 4%. Demonstrate the use of need based approach and apprai

Current age of life 30

Life expentancy 70
remaining 40

RATE 8% EDUCATION INFLAT

INFLATION 4%
ADJUSTED 3.85%

NEED BASED INSURANCE

ELDER CHILD EXPENSES 1,000,000

YOUNGER CHILD EXPENSES 1,200,000
tute with an annual salary of Rs. 14,00,000/-. He is married and has two children aged 8 years
years and has a life expectancy up to age 70. He has a life insurance for Rs 1 Crore at present.
is Rs.50,000/-
education fund for his two children. In present times, the college expenses for the kind of
0,000/- in todays terms. He will be required to spend on higher education when the child turns

ed at Rs.80,00,000/-. Being a mortgage loan, the bank had insisted for a loan protection

s untimely death. Then onwards, 75% of his present income till elder child attains age of 18

is the additional amount of life insurance required. Assume the rate of return at 8% and
ed approach and appraise Chandan about the requirement of additional life insurance.

10 Marks

EDUCATION INFLATION 1.023697 2.37%

Q3: Mr. X is a citizen of USA and a person of African origin. Appraise him about his residential status
24.
F.Y.
2022-23
2021-22
2020-21
2019-20
2018-19

Also assess which of the following incomes will be taxable in his hands:-
Partiulars of Income
Income from house property from Mumbai house
Amount of gift received in Delhi from Indian friend above exemption limit
Income from Denmark Business received in Denmark.Business is controlled from india
Income from sale of agricultural land in Japan
Income earned in Paris in previous yr 2011-12. Remitted in India Now

Investigate about the sensitivity of above income items w.r.t. different residential status one accessee ca

F.Y.
2022-23
2021-22
2020-21
2019-20
2018-19

residential status
rnor

Partiulars of Income
Income from house property from Mumbai house
Amount of gift received in Delhi from Indian friend above exemption limit
Income from Denmark Business received in Denmark.Business is controlled from india
Income from sale of agricultural land in Japan
Income earned in Paris in previous yr 2011-12. Remitted in India Now
total
out his residential status with the help of the following data of his stay in India for the Assessment Year 2023-

Days
71
208
11
70
110

Amount INR
5000000
75000
25000000
30000000
50000

al status one accessee can asssume.

Days
71
208
11
70
110

Amount INR
5000000
75000
25000000
30000000
50000
60125000
10 Marks

ror rnor nr
5000000 5000000 5000000
0 0 0
25000000 25000000 25000000
30000000 0 0
0 0 0
60000000 30000000 30000000
Q4: Mr. XMan, aged 25, is a manager earning Rs 12,00,000 annually. He is planning to marry Yeti and they plan
11,00,000 in student loans, borrowed at 10% for 8 years, 12 months back, whose repayment starts after 12 months
month. They plan to purchase a home for Rs 1,00,00,000 next year, partly financed by his parents by Rs 50,00,000
on the house and cars totals Rs 20,000 annually. Health and life insurance, cost them Rs 25,000 annually. Mr. XM
and has another Rs 4,00,000 in a equity index mutual fund (12% annual return expected). Mrs. XMan has Gold w
return. She drives a three-year-old Car for which she paid Rs 3,00,000, worth 2,50,000 now and would be worth R
monthly payment for the Car Loan is Rs 10,000. Mr. X drives a six-year-old Car worth Rs 3,00,000 now (Rs, 2,50
of 50,000 for the current year. Income tax at 15% overall for Mr Xman, and nothing for Yeti.

(a) Appriase Mr & Mrs.. Xman about their total assets and liabilities & net worth this year? Next year?
(b) Ascertain the monthly payout on their mortgage?
(c) Examine if Mr Xman take mortgage loan provided the bank only funds upto EMI of 35% of take home salary
would he get the loan?

PARTICULARS

STUDENT LOAN
SAVINGS
MUTUAL FUNDS
GOLD
CAR OF YETI
CAR OF XMAN
TOTAL

NET WORTH OF YETI IN CURRENT YEAR

PARTICULARS

STUDENT LOAN
SAVINGS
MUTUAL FUNDS
GOLD
CAR OF YETI
CAR OF XMAN
HOME
HOME LOAN
TOTAL

NET WORTH OF YETI IN NEXT YEAR

B)
MONTHLY PAYOUT OF MORTGAGE
RATE
TENURE
NPER
AMOUNT

PER
 SL EMI PPMT
techt and owes Rs ₹ -206,188.42 ₹ -96,188.42
,00,000 annually from next
for 20 years. The insurance
count (3.5% annual interest)
d is giving 10% annual
0,000 on her car loan. The
Consider monthly expenses

3+3 Marks
2 Marks
2 Marks

ASSETS

300,000
400,000
1,200,000
250,000
300,000
2,450,000

1,250,000

ASSETS

310,500
448,000
1,320,000
225,000
250,000
 10,000,000

12,553,500
6,549,688

6,549,688

8.50%
20
240
5,000,000
A B C A-B-C=0
PMT IPMT PPMT CHECK
₹ -43,391.16 ₹ -35,416.67 ₹ -7,974.50 ₹ 0.00
₹ -43,391.16 ₹ -35,360.18 ₹ -8,030.98 ₹ 0.00
₹ -43,391.16 ₹ -35,303.29 ₹ -8,087.87 ₹ 0.00
₹ -43,391.16 ₹ -35,246.01 ₹ -8,145.16 ₹ 0.00
₹ -43,391.16 ₹ -35,188.31 ₹ -8,202.85 ₹ 0.00
₹ -43,391.16 ₹ -35,130.21 ₹ -8,260.95 ₹ 0.00
₹ -43,391.16 ₹ -35,071.69 ₹ -8,319.47 ₹ 0.00
₹ -43,391.16 ₹ -35,012.76 ₹ -8,378.40 ₹ 0.00
₹ -43,391.16 ₹ -34,953.42 ₹ -8,437.75 ₹ 0.00
₹ -43,391.16 ₹ -34,893.65 ₹ -8,497.51 ₹ 0.00
₹ -43,391.16 ₹ -34,833.46 ₹ -8,557.70 ₹ 0.00
₹ -43,391.16 ₹ -34,772.84 ₹ -8,618.32 ₹ 0.00
₹ -43,391.16 ₹ -34,711.79 ₹ -8,679.37 ₹ 0.00
₹ -43,391.16 ₹ -34,650.31 ₹ -8,740.85 ₹ 0.00
₹ -43,391.16 ₹ -34,588.40 ₹ -8,802.76 ₹ 0.00
₹ -43,391.16 ₹ -34,526.05 ₹ -8,865.11 ₹ 0.00
₹ -43,391.16 ₹ -34,463.25 ₹ -8,927.91 ₹ 0.00
₹ -43,391.16 ₹ -34,400.01 ₹ -8,991.15 ₹ 0.00
₹ -43,391.16 ₹ -34,336.33 ₹ -9,054.84 ₹ 0.00
₹ -43,391.16 ₹ -34,272.19 ₹ -9,118.97 ₹ 0.00
₹ -43,391.16 ₹ -34,207.60 ₹ -9,183.57 ₹ 0.00
₹ -43,391.16 ₹ -34,142.55 ₹ -9,248.62 ₹ 0.00
₹ -43,391.16 ₹ -34,077.03 ₹ -9,314.13 ₹ 0.00
₹ -43,391.16 ₹ -34,011.06 ₹ -9,380.10 ₹ 0.00
₹ -43,391.16 ₹ -33,944.62 ₹ -9,446.55 ₹ 0.00
₹ -43,391.16 ₹ -33,877.70 ₹ -9,513.46 ₹ 0.00
₹ -43,391.16 ₹ -33,810.32 ₹ -9,580.85 ₹ 0.00
₹ -43,391.16 ₹ -33,742.45 ₹ -9,648.71 ₹ 0.00
₹ -43,391.16 ₹ -33,674.11 ₹ -9,717.05 ₹ 0.00
₹ -43,391.16 ₹ -33,605.28 ₹ -9,785.88 ₹ 0.00
₹ -43,391.16 ₹ -33,535.96 ₹ -9,855.20 ₹ 0.00
₹ -43,391.16 ₹ -33,466.15 ₹ -9,925.01 ₹ 0.00
₹ -43,391.16 ₹ -33,395.85 ₹ -9,995.31 ₹ 0.00
₹ -43,391.16 ₹ -33,325.05 ₹ -10,066.11 ₹ 0.00
₹ -43,391.16 ₹ -33,253.75 ₹ -10,137.41 ₹ 0.00
₹ -43,391.16 ₹ -33,181.94 ₹ -10,209.22 ₹ 0.00
₹ -43,391.16 ₹ -33,109.63 ₹ -10,281.53 ₹ 0.00
₹ -43,391.16 ₹ -33,036.80 ₹ -10,354.36 ₹ 0.00
₹ -43,391.16 ₹ -32,963.46 ₹ -10,427.70 ₹ 0.00
₹ -43,391.16 ₹ -32,889.59 ₹ -10,501.57 ₹ 0.00
₹ -43,391.16 ₹ -32,815.21 ₹ -10,575.95 ₹ 0.00
₹ -43,391.16 ₹ -32,740.30 ₹ -10,650.87 ₹ 0.00
₹ -43,391.16 ₹ -32,664.85 ₹ -10,726.31 ₹ 0.00
₹ -43,391.16 ₹ -32,588.87 ₹ -10,802.29 ₹ 0.00
₹ -43,391.16 ₹ -32,512.36 ₹ -10,878.80 ₹ 0.00
₹ -43,391.16 ₹ -32,435.30 ₹ -10,955.86 ₹ 0.00
₹ -43,391.16 ₹ -32,357.69 ₹ -11,033.47 ₹ 0.00
₹ -43,391.16 ₹ -32,279.54 ₹ -11,111.62 ₹ 0.00
₹ -43,391.16 ₹ -32,200.83 ₹ -11,190.33 ₹ 0.00
₹ -43,391.16 ₹ -32,121.57 ₹ -11,269.59 ₹ 0.00
₹ -43,391.16 ₹ -32,041.74 ₹ -11,349.42 ₹ 0.00
₹ -43,391.16 ₹ -31,961.35 ₹ -11,429.81 ₹ 0.00
₹ -43,391.16 ₹ -31,880.39 ₹ -11,510.77 ₹ 0.00
₹ -43,391.16 ₹ -31,798.86 ₹ -11,592.31 ₹ 0.00
₹ -43,391.16 ₹ -31,716.74 ₹ -11,674.42 ₹ 0.00
₹ -43,391.16 ₹ -31,634.05 ₹ -11,757.11 ₹ 0.00
₹ -43,391.16 ₹ -31,550.77 ₹ -11,840.39 ₹ 0.00
₹ -43,391.16 ₹ -31,466.90 ₹ -11,924.26 ₹ 0.00
₹ -43,391.16 ₹ -31,382.44 ₹ -12,008.72 ₹ 0.00
₹ -43,391.16 ₹ -31,297.38 ₹ -12,093.79 ₹ 0.00
₹ -43,391.16 ₹ -31,211.71 ₹ -12,179.45 ₹ 0.00
₹ -43,391.16 ₹ -31,125.44 ₹ -12,265.72 ₹ 0.00
₹ -43,391.16 ₹ -31,038.56 ₹ -12,352.60 ₹ 0.00
₹ -43,391.16 ₹ -30,951.06 ₹ -12,440.10 ₹ 0.00
₹ -43,391.16 ₹ -30,862.94 ₹ -12,528.22 ₹ 0.00
₹ -43,391.16 ₹ -30,774.20 ₹ -12,616.96 ₹ 0.00
₹ -43,391.16 ₹ -30,684.83 ₹ -12,706.33 ₹ 0.00
₹ -43,391.16 ₹ -30,594.83 ₹ -12,796.33 ₹ 0.00
₹ -43,391.16 ₹ -30,504.19 ₹ -12,886.97 ₹ 0.00
₹ -43,391.16 ₹ -30,412.90 ₹ -12,978.26 ₹ 0.00
₹ -43,391.16 ₹ -30,320.97 ₹ -13,070.19 ₹ 0.00
₹ -43,391.16 ₹ -30,228.39 ₹ -13,162.77 ₹ 0.00
₹ -43,391.16 ₹ -30,135.16 ₹ -13,256.00 ₹ 0.00
₹ -43,391.16 ₹ -30,041.26 ₹ -13,349.90 ₹ 0.00
₹ -43,391.16 ₹ -29,946.70 ₹ -13,444.46 ₹ 0.00
₹ -43,391.16 ₹ -29,851.47 ₹ -13,539.69 ₹ 0.00
₹ -43,391.16 ₹ -29,755.56 ₹ -13,635.60 ₹ 0.00
₹ -43,391.16 ₹ -29,658.98 ₹ -13,732.19 ₹ 0.00
₹ -43,391.16 ₹ -29,561.71 ₹ -13,829.46 ₹ 0.00
₹ -43,391.16 ₹ -29,463.75 ₹ -13,927.41 ₹ 0.00
₹ -43,391.16 ₹ -29,365.10 ₹ -14,026.07 ₹ 0.00
₹ -43,391.16 ₹ -29,265.74 ₹ -14,125.42 ₹ 0.00
₹ -43,391.16 ₹ -29,165.69 ₹ -14,225.47 ₹ 0.00
₹ -43,391.16 ₹ -29,064.93 ₹ -14,326.24 ₹ 0.00
₹ -43,391.16 ₹ -28,963.45 ₹ -14,427.71 ₹ 0.00
₹ -43,391.16 ₹ -28,861.25 ₹ -14,529.91 ₹ 0.00
₹ -43,391.16 ₹ -28,758.33 ₹ -14,632.83 ₹ 0.00
₹ -43,391.16 ₹ -28,654.68 ₹ -14,736.48 ₹ 0.00
₹ -43,391.16 ₹ -28,550.30 ₹ -14,840.86 ₹ 0.00
₹ -43,391.16 ₹ -28,445.18 ₹ -14,945.99 ₹ 0.00
₹ -43,391.16 ₹ -28,339.31 ₹ -15,051.85 ₹ 0.00
₹ -43,391.16 ₹ -28,232.69 ₹ -15,158.47 ₹ 0.00
₹ -43,391.16 ₹ -28,125.32 ₹ -15,265.84 ₹ 0.00
₹ -43,391.16 ₹ -28,017.19 ₹ -15,373.98 ₹ 0.00
₹ -43,391.16 ₹ -27,908.29 ₹ -15,482.88 ₹ 0.00
₹ -43,391.16 ₹ -27,798.62 ₹ -15,592.55 ₹ 0.00
₹ -43,391.16 ₹ -27,688.17 ₹ -15,702.99 ₹ 0.00
₹ -43,391.16 ₹ -27,576.94 ₹ -15,814.22 ₹ 0.00
₹ -43,391.16 ₹ -27,464.92 ₹ -15,926.24 ₹ 0.00
₹ -43,391.16 ₹ -27,352.11 ₹ -16,039.05 ₹ 0.00
₹ -43,391.16 ₹ -27,238.50 ₹ -16,152.66 ₹ 0.00
₹ -43,391.16 ₹ -27,124.09 ₹ -16,267.07 ₹ 0.00
₹ -43,391.16 ₹ -27,008.86 ₹ -16,382.30 ₹ 0.00
₹ -43,391.16 ₹ -26,892.82 ₹ -16,498.34 ₹ 0.00
₹ -43,391.16 ₹ -26,775.96 ₹ -16,615.20 ₹ 0.00
₹ -43,391.16 ₹ -26,658.27 ₹ -16,732.90 ₹ 0.00
₹ -43,391.16 ₹ -26,539.74 ₹ -16,851.42 ₹ 0.00
₹ -43,391.16 ₹ -26,420.38 ₹ -16,970.78 ₹ 0.00
₹ -43,391.16 ₹ -26,300.17 ₹ -17,090.99 ₹ 0.00
₹ -43,391.16 ₹ -26,179.11 ₹ -17,212.06 ₹ 0.00
₹ -43,391.16 ₹ -26,057.19 ₹ -17,333.97 ₹ 0.00
₹ -43,391.16 ₹ -25,934.41 ₹ -17,456.76 ₹ 0.00
₹ -43,391.16 ₹ -25,810.75 ₹ -17,580.41 ₹ 0.00
₹ -43,391.16 ₹ -25,686.23 ₹ -17,704.94 ₹ 0.00
₹ -43,391.16 ₹ -25,560.82 ₹ -17,830.35 ₹ 0.00
₹ -43,391.16 ₹ -25,434.52 ₹ -17,956.64 ₹ 0.00
₹ -43,391.16 ₹ -25,307.32 ₹ -18,083.84 ₹ 0.00
₹ -43,391.16 ₹ -25,179.23 ₹ -18,211.93 ₹ 0.00
₹ -43,391.16 ₹ -25,050.23 ₹ -18,340.93 ₹ 0.00
₹ -43,391.16 ₹ -24,920.31 ₹ -18,470.85 ₹ 0.00
₹ -43,391.16 ₹ -24,789.48 ₹ -18,601.68 ₹ 0.00
₹ -43,391.16 ₹ -24,657.72 ₹ -18,733.44 ₹ 0.00
₹ -43,391.16 ₹ -24,525.02 ₹ -18,866.14 ₹ 0.00
₹ -43,391.16 ₹ -24,391.39 ₹ -18,999.78 ₹ 0.00
₹ -43,391.16 ₹ -24,256.80 ₹ -19,134.36 ₹ 0.00
₹ -43,391.16 ₹ -24,121.27 ₹ -19,269.89 ₹ 0.00
₹ -43,391.16 ₹ -23,984.77 ₹ -19,406.39 ₹ 0.00
₹ -43,391.16 ₹ -23,847.31 ₹ -19,543.85 ₹ 0.00
₹ -43,391.16 ₹ -23,708.88 ₹ -19,682.28 ₹ 0.00
₹ -43,391.16 ₹ -23,569.46 ₹ -19,821.70 ₹ 0.00
₹ -43,391.16 ₹ -23,429.06 ₹ -19,962.10 ₹ 0.00
₹ -43,391.16 ₹ -23,287.66 ₹ -20,103.50 ₹ 0.00
₹ -43,391.16 ₹ -23,145.26 ₹ -20,245.90 ₹ 0.00
₹ -43,391.16 ₹ -23,001.85 ₹ -20,389.31 ₹ 0.00
₹ -43,391.16 ₹ -22,857.43 ₹ -20,533.74 ₹ 0.00
₹ -43,391.16 ₹ -22,711.98 ₹ -20,679.18 ₹ 0.00
₹ -43,391.16 ₹ -22,565.50 ₹ -20,825.66 ₹ 0.00
₹ -43,391.16 ₹ -22,417.99 ₹ -20,973.18 ₹ 0.00
₹ -43,391.16 ₹ -22,269.43 ₹ -21,121.74 ₹ 0.00
₹ -43,391.16 ₹ -22,119.81 ₹ -21,271.35 ₹ 0.00
₹ -43,391.16 ₹ -21,969.14 ₹ -21,422.02 ₹ 0.00
₹ -43,391.16 ₹ -21,817.40 ₹ -21,573.76 ₹ 0.00
₹ -43,391.16 ₹ -21,664.59 ₹ -21,726.57 ₹ 0.00
₹ -43,391.16 ₹ -21,510.69 ₹ -21,880.47 ₹ 0.00
₹ -43,391.16 ₹ -21,355.71 ₹ -22,035.46 ₹ 0.00
₹ -43,391.16 ₹ -21,199.62 ₹ -22,191.54 ₹ 0.00
₹ -43,391.16 ₹ -21,042.43 ₹ -22,348.73 ₹ 0.00
₹ -43,391.16 ₹ -20,884.13 ₹ -22,507.03 ₹ 0.00
₹ -43,391.16 ₹ -20,724.70 ₹ -22,666.46 ₹ 0.00
₹ -43,391.16 ₹ -20,564.15 ₹ -22,827.01 ₹ 0.00
₹ -43,391.16 ₹ -20,402.46 ₹ -22,988.70 ₹ 0.00
₹ -43,391.16 ₹ -20,239.62 ₹ -23,151.54 ₹ 0.00
₹ -43,391.16 ₹ -20,075.63 ₹ -23,315.53 ₹ 0.00
₹ -43,391.16 ₹ -19,910.48 ₹ -23,480.68 ₹ 0.00
₹ -43,391.16 ₹ -19,744.16 ₹ -23,647.00 ₹ 0.00
₹ -43,391.16 ₹ -19,576.66 ₹ -23,814.50 ₹ 0.00
₹ -43,391.16 ₹ -19,407.97 ₹ -23,983.19 ₹ 0.00
₹ -43,391.16 ₹ -19,238.09 ₹ -24,153.07 ₹ 0.00
₹ -43,391.16 ₹ -19,067.01 ₹ -24,324.16 ₹ 0.00
₹ -43,391.16 ₹ -18,894.71 ₹ -24,496.45 ₹ 0.00
₹ -43,391.16 ₹ -18,721.19 ₹ -24,669.97 ₹ 0.00
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SSETS LIABLITIES

1,100,000
00,000
00,000
00,000
50,000 100,000
00,000
50,000 1,200,000

50,000

SSETS LIABLITIES

1,003,812
10,500
48,000
20,000
25,000
50,000
000,000
5,000,000
553,500 6,003,812
49,688

49,688

MONTHLY PAYOUT ₹ -43,391.16