UNDERSTANDING INFLAPRO STEP BY STEP
page0.html	Brief narration of education cost from 1966 to 2020	We are living in the world of inflation. The cost of education has gone up many folds in past 54 years. In a typical case the increase is about 160 times. This is due to consistent inflation. The whole exerices of Inflapro is to provide inflation ptotection over a period of time, to the investors.
page1.html	Custom menu for calculation of Inflation percentage over a span with provision for default values	For a typical case of education cost over a span of 54 years the inflation is of the order of 10.10%. custom menu is given to find inflation % for your choice parameters. custom menu is given to find inflation % for your choice parameters.
page2.html	Explaining Diminishing balance method and EMI calculation Audit Table for custom choice	There are three methods of calculating return on investment viz. Diminishing balance method, Equated instalments (eg. EMI), and the new innovation by the author, that is inflation protection, or simply INFLAPRO called by the author. Diminishing balance method and EMI methods are explained in this web page page2.html
page3.html	Illustration of inflapro options 1, 4, 7 and 10 with custom menu	Inflapro calculation provides 12 options. Option 1, 2, 3 are same as conventional, Option 1 is the return on investment starts in the very fist year of the investment. Option 2, 3 are start of return is after a suitable moratorium period. Option 4 to 12 are all equivalent inflapro options. In this web page, option 1, 4,7,and 10 are explained by means of calculation and tables. In these options 1,4,7 and 10, return starts at the first year of investment. Post term benefits of option 4 is same as option 1. Post term benefits of option 7 is payment of full penstion after or the settlement accordingly with return of purchase price. In Option 10, the post term benefit is at the half payment of last investment as continued annuity /payment or settlement therefter.
page4.html	Illustration of inflapro options 2, 5, 8 and 11 with custom menu	Inflapro option 2, 5, 8, 11 calculations are shown in this pages. The return of investment starts after a moratorium period say 3 years in a total policy term of 10 years. Post term benefits of option 5 is same as option 2. Post term benefits of option 8 is payment of full penstion after or the settlement accordingly with return of purchase price. In Option 11, the post term benefit is at the half payment of last investment as continued annuity /payment or settlement therefter.
page5.html	Inflapro options 3, 6, 9 and 12 very much identical to page 4 above	Inflapro option 3, 6, 9, 12 calculations are shown in this pages. The return of investment starts after a moratorium period say 4 years in a total policy term of 10 years. Post term benefits of option 6 is same as option 2. Post term benefits of option 9 is payment of full penstion after or the settlement accordingly with return of purchase price. In Option 12, the post term benefit is at the half payment of last investment as continued annuity /payment or settlement therefter.
page6.html	Brief intro about INFLAPRO and the software	INFLAPRO is defined here. Inflapro is the calculation for method of inflation protected return on investment. It provides periodical interest/dividend/repayment/insu. premium , the term as applicable to the scheme at increased value to the extend of inflation protection desired, compared to that of previous year. These are explained in this web page.
pagebenefit.php	Benefits of INFLAPRO	The benefits of switching from Uniform (say EMI ) rate of return to inflapro method is all identical and same as the benefits we derived from diminishing balance method to Uniform rate. Viz. 1) the customer pays too less even lesser than the first year interest on loans, gets lesser pension compared to conventional rate, but the return exponentially varies year by year. b) the hash total total return is more during the entire period or otherwise yield is more.
page8.html	Inflapro applications Education Loan/General Loan Pension schemes LIC/ LIC PMVVY schemes Fair compensation for Farm Land Acquisition.	In this pages various application of inflapro is explained. In case of compensation to land Acquisition an interesting conclusion is arrived. The fair compensation would mean providing 6.667% inflation protection or the compensation per acre of land , the compensation starts at Rs. 5 lac in fist year, Rs. 5.33 lac at second year and so on and in 70th year Rs. 4.30 crore for that year, and contiued with Rs. 4.30 crore compensation post term or settlement of Rs. 51.76 crore. All these is just equivalent to outright settlement of Rs. 2.38 crore per acre at the time of Acquisition.
page9.html	Inflapro applications Preference share/debentures Mutual Fund Insurance commission to agents	These are typical applications wherein fixed % of return is assurable in conventional schemes. However in inflapro guranteed increase in dividend as well as increase in NAV or convertability can very well be assured without any extra burden on the conventional fixed rate.
page10.html	Inflapro applications Insurance endowment plan Maturity benefit ₹ 1 crore	The discussed inflapro insurance scheme is for endowment plan with maturity of Rs. 1 crore after the policy term. For a 18 year entry age, The premium starts at Rs. 11638 and varies at 10% increase every year and at 60th year of age (i.e 42 years term ) the premium works out to be Rs. 5.79 lac. The sum assured also varies from year to year, the base sum assured is Rs. 2.01 lac in first year, 2.21 lac in second year and so on and by the end of term it is Rs. 1 crore. The is because, Rs. 2.01 lac of present value is worth Rs. 1 crore in 42 years at 10% inflation.
page11.html	Inflapro applications Fixed Deposit with quarterly posting	Fixed deposit scheme of inflapro is dealt with in the other site https://bnv.bvraghav.com and the calculation is bsed on actual date of investment. The interest rate per quarter varies according to inflation protection sought. In the opinion of the author, providing high rate of interest in the first year in the conventional case is an economical crime which is eliminated in the inflapro scheme.
		Last but not the least, the Inflapro scheme is a flexible one to calculate all three methods of return on investment viz, diminishing balance , EMI, and inflapro. by providing inflation as -ve percentage, or zero % or +ve percentage. But the diminshing balance method shows straight line method whereas -ve infaltion (deflation) shows exponentially diminishing balance.