July- 2022 Savings Aug- 2022 Savings

Ram - Salary 94000 Ram - Salary 96000

Priya - Salary 86000 Priya - Salary 86000
Housing loan EMI - 1 40716 Housing loan EMI - 1 40716
Housing loan EMI - 2 20000 Housing loan EMI - 2 19545
Saro chit fund 48000 Saro chit fund - 1 49000
KG Chit fund 0 Saro chit fund - 2 50000
Stocks 0 KG Chit fund 5850
Creditcard bill 5000 Creditcard bill 7500
Travel 2000 Arun Alaippu 3500
Priya House 3000 Priya House 3000
Kids Expenditure 10000 Kids Expenditure 3000
House Rent 20000 House Rent 11000
Ram home 3000 Home 3000
Other expenditure 2000 Other expenditure 2000
Home expenditure 2000 Home expenditure 2000
Total Salary - Month 180000 Total Salary - Month 182000
Balance per month 24284 Balance per month -18111
 Sep- 2022 Savings Oct- 2022 Savings
Ram - Salary 96000 Ram - Salary
Priya - Salary 86000 Priya - Salary
Housing loan EMI - 1 40716 Priya Salary Arrear
Housing loan EMI - 2 19545 Housing loan EMI - 1
Saro chit fund - 1 50000 Housing loan EMI - 2
Saro chit fund - 2 38000 Saro chit fund - 1
KG Chit fund 6000 Saro chit fund - 2
Creditcard bill 0 Saro chit fund - 3
Travel 5000 Riya Gold MF
Priya House 3000 KG Chit fund
Kids Expenditure 3000 Creditcard bill
House Rent 11000 Travel
Home 3000 Priya House
Other expenditure 2000 Kids Expenditure
Home expenditure 2000 House Rent
Total Salary - Month 182000 Home
Balance per month -1261 Other expenditure
Home expenditure
Total Salary - Month
Balance per month
 Saro Chit
fund Duel
sharing
Month

2 EMI

3 32000
4 50000
5 33000
6 34000
7 35000
8 36000
9 37000
10 38000
11 39000
12 40000
13 41000
14 42000
15 43000
16 44000
17 45000
18 46000
19 47000
20 48000
829000 49000
50000

At 15th Chit
Total EMI amounts
Interest rate of 215%
for 16 months

Saro Chit Sub total

fund Duel
sharing
Month

2 EMI

3 32000
 4 50000
5 33000
6 34000
7 35000
8 36000
9 37000
10 38000
11 39000
12 40000
13 41000
14 42000
15 43000
16 44000
17 45000
18 46000
19 47000
20 48000
829000 49000
50000
t- 2022 Savings Nov- 2022 Savings
96000 Ram - Salary 96000
96320 320 Priya - Salary 93,975
12000 Housing loan EMI - 2 19545
40716 Saro chit fund - 1 42000
19545 Saro chit fund - 2 12667
39000 Saro chit fund - 3 9500
12333 Rafeek chit fund 6250
9250 Stocks SIP 10000
25000 KG Chit fund 6420
6500 Creditcard bill 20000
20000 Travel 2000
2000 Priya House 3000
3000 Kids Expenditure 5000
5000 House Rent 11000
11000 Home 3000
3000 Other expenditure 2000
2000 Hospital expenditure 3000
5000 Home expenditure 2000
192320 Total Salary - Month 189975
976 Balance per month 32593
 Total Intrest
till
20th month
12153.9
Intrest per month
17873.3 EMI+Intrest
26.8%
715 11059.1 44153.9
1117 10634.6 67873.3
737 10165.5 44059.1
760 9651.6 44635
782 9093.1 45165.5
804 8489.8 45652
827 7841.9 46093
849 7149.3 46490
871 6412.1 46841.9
894 5630.1 47149
916 4803.5 47412.1
938 3932.1 47630.1
961 3016.1 47803.5
983 2055.4 47932.1
1005 1050.1 48016.1
1028 0.0 48055.4
1050 0.0 48050.1
0 0.0 48000.0
0 49000.0
0 50000.0
Total return
960011.5

900000
829000
127906.0

956906

Total Intrest
till
20th month
13248.0
Intrest per month
19550.0 EMI+Intrest
27.6%
736 12144.0 45248.0
 1150 11730.0 69550.0
759 11270.0 45144.0
782 10764.0 45730
805 10212.0 46270.0
828 9614.0 46764
851 8970.0 47212
874 8280.0 47614
897 7544.0 47970.0
920 6762.0 48280
943 5934.0 48544.0
966 5060.0 48762.0
989 4140.0 48934.0
1012 3174.0 49060.0
1035 2162.0 49140.0
1058 1104.0 49174.0
1081 0.0 49162.0
1104 0.0 49104.0
0 49000.0
0 50000.0
Total return
980662.0
 Dec- 2022 Savings Jan 2023 Savings
Ram - Salary 150,383.00 Ram - Salary 108960
Ram - Bonus 0 Ram - Retension 116966
Priya - Salary 93,975 Priya - Salary 93,975
Housing loan EMI - 2 19545 Housing loan EMI - 1 0
Saro chit fund - 1 44000 Housing loan EMI - 2 19545
Saro chit fund - 2 13333 Saro chit fund - 1 46000
Saro chit fund - 3 10000 Saro chit fund - 2 14000
Rafeek chit fund 8000 Saro chit fund - 3 10500
Mutual fund & Stocks 15000 Rafeek chit fund 6250
KG Chit fund 6720 Stocks SIP 15000
Creditcard bill 10000 KG Chit fund 6850
Travel 2000 Creditcard bill 10000
Priya House 3000 Travel 2000
Kids Expenditure 5000 Priya House 3000
House Rent 11000 Kids Expenditure 5000
Home 3000 House Rent 11000
Other expenditure 2000 Home 5000
Hospital expenditure 3000 Hotel (AirBNB) 41926.5
Home expenditure 2000 Ram Travel expenditure 10000
Total Salary - Month 244358 Home expenditure 2000
Balance per month 86760 Total Salary - Month 319901
Balance per month 111830

65000
160000
111830
336830
 Feb - 2023 Savings Mar - 2023 Savings
Ram - Salary 103680 Ram - Salary 103680
Priya - Salary 94600 Priya - Salary 94600
Denmark Allowance Housing loan EMI - 1 40716
Housing loan EMI - 1 40716 Housing loan EMI - 2 19545
Housing loan EMI - 2 19545 Saro chit fund - 1 12000
Saro chit fund - 1 11667 Saro chit fund - 2 46000
Saro chit fund - 2 46000 Saro chit fund - 3
Saro chit fund - 3 KG Chit fund 7000
KG Chit fund 6900 Creditcard bill 0
Creditcard bill 0 Travel 2000
Travel 2000 Priya House 3000
Priya House 3000 Kids Expenditure 5000
Kids Expenditure 5000 House Rent 11000
House Rent 11000 Home 3000
Home 3000 Other expenditure 2000
Other expenditure 2000 Home expenditure 2000
Home expenditure 2000 Total Salary - Month 198280
Total Salary - Month 198280 Balance per month 45019
Balance per month 45452
 Hosur land buy plan Hosur land buy plan
Advance 185000 Advance
Prabu + RBL 60000 Cash in hand
Insurance 100000 Ram Account
Priya PF 320000 Zerodha BTST
Zerodha 200000 PF
Gold loan 200000 Kids Cash gift
SGRE Bonus 0 Target
Ram - ITR 40000 Balance
Ram MF 72300
Priya MF 107800 KG
Ram - PF 320000
Saro chit fund (F) 480000
March 2023
Target 1500000
Balance -105100
10% Interest for 4.4L -115610
Balance after settlement 595610

480000
Hosur land buy plan 120000
Total cent for sale 11.5 400000
Cent to Sq.ft 435.56
Total Sq. ft 5008.94
Hosur land buy plan
Per head (Sq. ft) 1669.64667 Advance
Prabhu 1725000 Cash in hand
Ram 1571666.67 Ram Account
Lakshman 1571666.67 Zerodha BTST
Legal advise 15000 PF
Brokerage 97366.6667 Kids Cash gift
Brokerage 32455.5556 Target
Land registration 33333.3333 Balance
r land buy plan
350000 5000 3169 7500 4400
350000 5000 3240 2500 1401
450000 5000 2809 2500 1366
210000 5000 2646 4000 2782
375000 5000 3241 2500 1867
0 4000 2966 500 327
1650000 5000 4026 2500 1637 1095
-85000 5000 3538 4000 2643
4000 2881
#REF! 6000 3866
#REF! 5000 3311 7500 4541
5000 3506 65

0 5000 3474
335000 5000 3221
5000 3006 23.66007

64000 42153 43500 27711

71211
106153 -0.518279 0.569774 216101

59.5

r land buy plan

350000
60000
50000
250000
210000
350000
375000
47000
375000
 Loan closure March Loan closure Nov
Saro Chitfund 480000 Ram Axis
SGRE Retension Bonus 120000 Ram - RBL
SGRE Bonus 53550 Arun
DK Savings 400000 Prabu
Salary savings 45000 Ram ICICI
Rafeek
Loan pending 890000
Nithin
Total 1098550 Priya Cash in hand
Balance 208550 Priya Acc
Gold loan
Total
Loan closure
Balance
n closure Nov
507800
42000
15000
340000
13500
6100
115000
150000
175000
365000
1364400
1058000
-58600
 KGKS (Commision-4%)

Total Intrest
Chit Tenure interest Chit Amount
Month till
Amount 22.2% +Intrest
20th month

1 5800 85 1607 7407

2 5850 85 1536 7386
3 5930 86 1470 7400
4 6000 88 1400 7400
5 6100 89 1334 7434
6 6420 94 1311 7731
7 6720 98 1274 7994
8 6650 97 1164 7814
9 6500 95 1043 7543
10 6500 95 948 7448
11 6500 95 853 7353
12 6500 95 758 7258
13 6715 98 685 7400
14 6667 97 583 7250
15 6700 98 488.5 7188.5
16 6750 98 393.8 7143.8
17 6667 97 292 6959
18 6500 95 189.6 6690
19 6000 88 87.5 6088
20 7500 109 0.0 7500

128969 Total return 146386.7

Saro Chit Fund - 1

Total Intrest
Chit Tenure interest Chit Amount
Month till
Amount 25.2% +Intrest
10th month
1 37000 932 8392 45392
2 50000 1260 10080 60080
3 38000 958 6703 44703
4 39000 983 5897 44897
5 40000 1008 5040 45040
6 42000 1058 4234 46234
7 44000 1109 3326 47326
8 46000 1159 2318 48318 25.2
9 48000 0 0 48000 2.52
10 50000 0 0 50000 30.24
434000 Total return 479990.0
Total rate of return annually 30.24
 Saro Chit Fund shared - 2
Total Intrest
Chit Tenure interest Chit Amount
Month till
Amount 18% +Intrest
10th month
1 37000 555 4995 41995
2 50000 750 6000 56000
3 38000 570 3990 41990
4 39000 585 3510 42510
5 40000 600 3000 43000
6 42000 630 2520 44520
7 44000 660 1980 45980
8 46000 0 0 46000 15
9 48000 0 0 48000 1.5
10 50000 0 0 50000 18
434000 Total return 459995.0
Total rate of return annually 18

Rafeek Friend
Total Intrest
Intrest per
Month EMI till EMI+Intrest
month 18.6%
20th month
1 25000 388 7363 32363
2 30000 465 8370 38370
3 25000 388 6588 31588
4 25000 388 6200 31200
5 25000 388 5813 30813
6 25000 388 5425 30425
7 25000 388 5038 30038
8 25000 388 4650 29650
9 25000 388 4263 29263
10 25000 388 3875 28875
11 25000 388 3488 28488
12 25000 388 3100 28100
13 25000 388 2713 27713
14 25000 388 2325 27325
15 25000 388 1938 26937.5
16 25000 388 1550 26550.0
17 25000 388 1163 26163
18 25000 388 775 25775
19 25000 388 388 25388
20 25000 388 0.0 25000

505000 Total return 580020.0

Saro Chit Fund Test

 Total Intrest
Chit Tenure interest Chit Amount
Month till
Amount 18% +Intrest
10th month
1 87000 1305 11745 98745
2 100000 1500 12000 112000
3 88000 1320 9240 97240
4 89000 1335 8010 97010
5 90000 1350 6750 96750
6 92000 1380 5520 97520
7 94000 1410 4230 98230
8 96000 1440 2880 98880
9 98000 1470 4410 102410
10 100000 0 0 100000

934000 Total return 998785.0

Total rate of return annually 18