SAINTWORDS Crores Planners Course - Level 1
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CRORES PLANNERS COURSE (CPC)
How to achieve seemingly impossible nancial
goals without any prior nance knowledge
Level 1
Compounding
Using Spreadsheet
(This booklet is a part of the Crores Planners
Course as a reference. To get the proper
knowhow one should attend the complete course)
Utpal KC
1 Course Director
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SAINTWORDS Crores Planners Course - Level 1
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PREFACE
CRORES PLANNERS COURSE (CPC)
How to achieve seemingly impossible nancial goals
without any prior nance knowledge
Everybody works hard to earn and wants to make the best out of their earnings. Unfortunately
90-98% people lose money particularly in equity investment and many more waste their hard-
earned money investing in inferior products, and they are not even aware of it.
People are intelligent, but they are busy in their daily jobs and businesses. Free knowledges are
neither always trustworthy, nor properly organised, nor give personalised answers.
Crores Planners Course (CPC) is a rst step towards the missing links.
CPC is a combination of 4 video sessions and one live session
conducted by renowned investment expert Utpal KC. In addition to
that there is also a live q&a session with Mr Utpal.
For details you can visit the webpage via the following link or scan
the QR code.
https://www.utpalkc.com/croresplanners
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SAINTWORDS Crores Planners Course - Level 1
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2nd Edition
Sep 2022
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SAINTWORDS Crores Planners Course - Level 1
Your achievement is ours
Crores Planners Course (CPC)
Level 1:
Compounding Using Spreadsheet
This is the beginning of scienti c investment
After the end of the session you will understand,
(1) if you invest a lump-sum amount in any instrument like xed deposit or
mutual fund, how much it will become after a certain period of time.
(2) if the frequency of interest payment is more than once in a year like quarterly
or half-yearly, then how to calculate the nal amount receivable after a certain
period of time.
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SAINTWORDS Crores Planners Course - Level 1
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1. If you invest Rs 1,00,000 today in a debt mutual fund how much
money will you get after 3 years? The mutual fund is expected
to give an annualised return of 9%.
The applicable spreadsheet function and working is as follows:
=FV(Rate%,NPER,0,PV)
=FV(9%,3,0,-100000)
=129,502.90
A spreadsheet can be Google Sheets or Microsoft Excel or Numbers for
Mac
How I did this?
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SAINTWORDS Crores Planners Course - Level 1
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The basic steps for solving any investment issue are as follows:
Step #1: Draw the timeline
0 1 2 3 Years
Step #2: Place cash ows under the timeline & note rate (if any)
0 9% 1 2 3 Years
-Rs 100,000 Rs ?
Note, cash out ows are marked -Ve.
Step #3: Name the elements as per spreadsheet terminology
NPER
[Number of Periods]
0 9% RATE 1 2 3 Years
-Rs 100,000 Rs ?
PV [Present Value] FV [Future Value]
Step #4: Choose the right function
=FV(Rate%,NPER,0,PV) =FV(9%,3,0,-100000) =129,502.90
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SAINTWORDS Crores Planners Course - Level 1
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How actually the amount adds upto its Future Value?
0 9% 1 2 3 Years
Amount Today Amount after 1 yr Amount after 2 yrs Amount after 3 yrs
Rs 100,000 Rs 100,000 + 9% x Rs 100,000 Rs 109,000 + 9% x Rs 109,000 Rs 118,810 + 9% x Rs 118,810
=Rs 100,000 (1+9%) =Rs 109,000 (1+9%) =Rs 118,810 (1+9%)
=Rs 109,000 =Rs 118,810 =Rs 129,502.90
Sometime interests are payable monthly, quarterly, half-yearly or any
interval shorter than a year. In that case we need to do adjustments in
RATE and NPER
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SAINTWORDS Crores Planners Course - Level 1
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2. If you invest Rs 1,00,000 today in an investment scheme how
much money will you get after 3 years?
The rate of return is 9% per annum payable half yearly.
Notice: Payable half yearly.
This means:
(1) Number of periods is 6 half years (Years x 2)
(2) Rate is 4.5% per half year (Rate / 2)
NPER
RATE (Half yrs) 6
0 4%
1 2 3 4 5
- Rs 100,000 Rs ?
PV FV
=FV(Rate%,NPER,0,PV) =FV(4.5%,6,0,-100000) =130,226.01
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SAINTWORDS
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In October 2018 Saintwords was founded by Utpal KC to
transform people and organisations through training,
coaching and consultancy.
The name, ‘Saintwords’, came from Assamese word
‘Xadhukatha’. In Assamese ‘xadhu’ means a sage or
saint and ‘katha' means words. Assamese 'xadhukatha'
actually means fables or stories.
Since 2018 we have transformed many lives and
businesses that include 20,000 plus paid trainees.
Google rating: 4.9
Utpal KC
Utpal KC is India’s rst Business Wealth Coach. He
has been into the eld of investment banking since
1997. He served the corporate in various capacities
at leadership positions from 1997 to 2016. Since
2016 he has been training people on leadership,
investment and management.
Utpal authored books on nance and was featured
regularly in national and international media.
https://saintwords.com https://utpalkc.com
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