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{"sheet":"Calculator","index":0,"n_rows":50,"n_cols":14,"rows_kept":50,"cut":false,"hidden":false,"merged":[[38,1,40,6],[38,8,39,11],[40,9,40,11],[42,1,43,6],[29,1,29,11],[30,1,30,11],[31,1,31,11],[32,1,33,11],[34,1,35,11],[42,8,43,11],[5,5,5,8],[7,5,7,8],[8,5,8,8],[9,5,9,8],[10,5,10,8],[2,1,2,8],[3,1,3,8],[4,1,4,8],[11,1,11,4],[15,1,15,4],[15,5,15,8],[6,1,6,4],[11,5,11,8],[6,5,6,8],[5,1,5,4],[7,1,7,4],[8,1,8,4],[9,1,9,4],[10,1,10,4],[12,1,12,4],[12,5,12,8],[13,1,13,4],[26,1,26,11],[27,1,27,11],[28,1,28,11],[16,1,16,8],[14,1,14,4],[14,5,14,8],[13,5,13,8],[44,9,44,11],[50,1,50,11],[46,1,46,11],[47,1,47,11],[48,1,48,11],[49,1,49,11]]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Input"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Formula"]
[null,"Kotak Mahindra Life Insurance Company Ltd.",null,null,null,null,null,null,null,null,null,null,null,"Not allowed"]
[null,"Kotak Lifetime Income Plan - 107N103V06",null,null,null,null,null,null,null,null,null,null,null,"Heading"]
[]
[null,"Name of Annuitant",null,null,null,"Mr.Customer"]
[null,"Client Category ",null,null,null,"Existing Group Customers"]
[null,"Age of Annuitant",null,null,null,60]
[null,"Purchase price including GST",null,null,null,1000000]
[null,"Purchase price (net of GST)",null,null,null,{"$f":"ROUND(F9/1.018,0)","v":982318}]
[null,"GST @1.8%",null,null,null,{"$f":"F9-F10","v":17682}]
[null,"Annuity Option",null,null,null,"Lifetime Income"]
[null,"Guaranteed term ",null,null,null,"N/A"]
[null,"Spouse ",null,null,null,{"$f":"IF(OR(F12=Input!Q3,F12=Input!Q4,F12=Input!Q5),\"No\",\"Yes\")","v":"No"}]
[null,"Spouse name",null,null,null,"Ms.Customer"]
[null,"Spouse Age ",null,null,null,55]
[]
[]
[null,"Annuity Payable Yearly","Annuity Payable Half-Yearly","Annuity Payable Quarterly","Annuity Payable Monthly"]
[null,{"$f":"IF(Input!DX19<1000,\"-\",IF(F7=\"New Group Customers\",IF(AND(F8<=99,F8>=45),Input!BA19,0),IF(AND(F8>=18,F8<=99),Input!BA19,0)))","v":79246},{"$f":"IF(Input!DX19<1000,\"-\",IF(F7=\"New Group Customers\",IF(AND(F8<=99,F8>=45),Input!BZ19,0),IF(AND(F8>=18,F8<=99),Input!BZ19,0)))","v":38434},{"$f":"IF(Input!DX19<1000,\"-\",IF(F7=\"New Group Customers\",IF(AND(F8<=99,F8>=45),Input!CY19,0),IF(AND(F8>=18,F8<=99),Input!CY19,0)))","v":19019},{"$f":"IF(Input!DX19<1000,\"-\",IF(F7=\"New Group Customers\",IF(AND(F8<=99,F8>=45),Input!DX19,0),IF(AND(F8>=18,F8<=99),Input!DX19,0)))","v":6274}]
[]
[]
[]
[]
[]
[]
[null,"Terms and Conditions"]
[null,"1. This is a non unit-linked non-participating annuity plan. "]
[null,"2. This illustration is subject to future change in tax rates or any other laws, regulations or guidelines affecting the annuity plans."]
[null,"3. For more details on terms and conditions, please read the sales brochure carefully before concluding a sale."]
[null,"4. Annuity rates shown are indicative and as per the rates available currently. Please check for the applicable rates before concluding the sale."]
[null,"5. After the policy contract is issued, the annuity option chosen and annuity payable is guaranteed for life and cannot be changed"]
[null,"6. TDS at prevailing rate will be deducted from any amount paid under a life insurance policy subject to the provisions of prevailing tax laws. In case of non-availability of valid PAN, TDS will be deducted at higher rate. \nTax laws are subject to changes from time to time. Kindly consult your tax advisor for tax implication of your policy."]
[]
[null,"7.Goods and  Services Tax and cess as applicable are levied at applicable Tax rates in accordance with the prevailing Tax Laws. Prevailing tax laws are applicable on this policy which may vary from time to time."]
[]
[]
[]
[null,"I, __________________________________________________________________(Name), have explained the premiums and benefits under the product fully to the prospect / policyholder ",null,null,null,null,null,null,"I, ___________________________________________________________________(Name), having \nreceived the information with respect to the above, have understood the above statement before entering \ninto the contract "]
[]
[]
[]
[null,"Date  :  _______________                                            ____________________________________\nPlace : ________________                                                 Signature of Agent /Intermediary/Official ",null,null,null,null,null,null,"Date  : _______________                                                                           \nPlace : _______________                                                   Signature of Prospect  / Policyholder "]
[]
[]
[]
[null,"Kotak Mahindra Life Insurance Company Limited                                                                                                                                                                                                    "]
[null,"CIN: U66030MH2000PLC128503"]
[null,"Regd. Off : 2nd Floor, Plot # C- 12, G- Block, BKC, Bandra (E) , Mumbai – 400051"]
[null,"Regn. No: 107. Toll Free No.: 1800 209 8800. Website: http://insurance.kotak.com "]

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[null,null,null,null,null,null,null,null,null,"For Office Use Only (w.e.f. Dec 20 / Ver 1.0)",null,null,null,null,null,"Product Details",null,null,null,null,null,null,"Annuity Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income Option Calculation",null,null,null,null,null,null,null,null,null,null,"State List",null,"Annuity Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income Option Calculation",null,null,null,null,null,null,null,null,null,"Annuity Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income Option Calculation",null,null,null,null,null,null,null,null,null,"Annuity Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income Option Calculation",null,null,null,null,null,null,null,null,null,"Annuity Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income Option Calculation"]
[null,null,null,null,null,null,null,null,null,"Proposal No:",null,null,null,null,null,"Policy Term Drop down List","Options Available","Eligibility Conditions",null,null,null,null,"Option",null,null,"Final Rates",null,"Indicator","Monthly annuity",null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment",null,null,null,null,null,null,null,null,null,"Andaman and Nicobar Islands",null,"Option",null,null,"Final Rates",null,"Indicator","Monthly annuity",null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment",null,null,null,null,null,null,null,null,"Option",null,null,"Final Rates",null,"Indicator","Monthly annuity",null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment",null,null,null,null,null,null,null,null,"Option",null,null,"Final Rates",null,"Indicator","Monthly annuity",null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment",null,null,null,null,null,null,null,null,"Option",null,null,"Final Rates",null,"Indicator","Monthly annuity",null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment"]
[null,null,null,null,null,null,null,null,null,"Policy No:",null,null,null,null,null,5,"Lifetime Income","Min. Age of Annuitant",null,"45/18",null,null,"Lifetime IncomeN/A",null,null,{"$f":"IF($R$22=\"ann\",AM9,IF($R$22=\"hlf\",AN9,IF($R$22=\"qrt\",AO9,AP9)))","v":6.3865855199999981E-3},null,{"$f":"IF($Y$18=W3,1,0)","v":1},{"$f":"AP9","v":6.3865855199999981E-3},null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,null,"Andhra Pradesh",null,"Lifetime IncomeN/A",null,null,{"$f":"IF($T$37=\"ann\",BO9,IF($T$37=\"hlf\",BP9,IF($T$37=\"qrt\",BQ9,BR9)))","v":8.0672659199999983E-2},null,{"$f":"IF($Y$18=AY3,1,0)","v":1},{"$f":"BR9","v":6.3865855199999981E-3},null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,"Lifetime IncomeN/A",null,null,{"$f":"IF($T$38=\"ann\",CN9,IF($T$38=\"hlf\",CO9,IF($T$38=\"qrt\",CP9,CQ9)))","v":3.9126239711999994E-2},null,{"$f":"IF($Y$18=BX3,1,0)","v":1},{"$f":"CQ9","v":6.3865855199999981E-3},null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,"Lifetime IncomeN/A",null,null,{"$f":"IF($T$39=\"ann\",DM9,IF($T$39=\"hlf\",DN9,IF($T$39=\"qrt\",DO9,DP9)))","v":1.9361438207999997E-2},null,{"$f":"IF($Y$18=CW3,1,0)","v":1},{"$f":"DP9","v":6.3865855199999981E-3},null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,"Lifetime IncomeN/A",null,null,{"$f":"IF($T$40=\"ann\",EL9,IF($T$40=\"hlf\",EM9,IF($T$40=\"qrt\",EN9,EO9)))","v":6.3865855199999981E-3},null,{"$f":"IF($Y$18=DV3,1,0)","v":1},{"$f":"EO9","v":6.3865855199999981E-3},null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,"Lifetime Income with Cash-Back","Max. Age of Annuitant",null,"99/99",null,null,"Lifetime Income with Cash-BackN/A",null,null,{"$f":"IF($R$22=\"ann\",AM20,IF($R$22=\"hlf\",AN20,IF($R$22=\"qrt\",AO20,AP20)))","v":4.82252376E-3},null,{"$f":"IF($Y$18=W4,1,0)","v":0},{"$f":"AP20","v":4.82252376E-3},null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,2,0)","v":7.8399999999999997E-2},{"$f":"AM4*97%/2","v":3.8023999999999995E-2},{"$f":"AM4*96%/4","v":1.8815999999999999E-2},{"$f":"AM4*95%/12","v":6.2066666666666659E-3},null,"Less than Rs.250,000",null,null,null,null,"Arunachal Pradesh",null,"Lifetime Income with Cash-BackN/A",null,null,{"$f":"IF($T$37=\"ann\",BO20,IF($T$37=\"hlf\",BP20,IF($T$37=\"qrt\",BQ20,BR20)))","v":6.0916089600000001E-2},null,{"$f":"IF($Y$18=AY4,1,0)","v":0},{"$f":"BR20","v":4.82252376E-3},null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,2,0)","v":7.8399999999999997E-2},{"$f":"BO4*97%/2","v":3.8023999999999995E-2},{"$f":"BO4*96%/4","v":1.8815999999999999E-2},{"$f":"BO4*95%/12","v":6.2066666666666659E-3},null,"Less than Rs.250,000",null,null,null,"Lifetime Income with Cash-BackN/A",null,null,{"$f":"IF($T$38=\"ann\",CN20,IF($T$38=\"hlf\",CO20,IF($T$38=\"qrt\",CP20,CQ20)))","v":2.9544303455999999E-2},null,{"$f":"IF($Y$18=BX4,1,0)","v":0},{"$f":"CQ20","v":4.82252376E-3},null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,2,0)","v":7.8399999999999997E-2},{"$f":"CN4*97%/2","v":3.8023999999999995E-2},{"$f":"CN4*96%/4","v":1.8815999999999999E-2},{"$f":"CN4*95%/12","v":6.2066666666666659E-3},null,"Less than Rs.250,000",null,null,null,"Lifetime Income with Cash-BackN/A",null,null,{"$f":"IF($T$39=\"ann\",DM20,IF($T$39=\"hlf\",DN20,IF($T$39=\"qrt\",DO20,DP20)))","v":1.4619861503999999E-2},null,{"$f":"IF($Y$18=CW4,1,0)","v":0},{"$f":"DP20","v":4.82252376E-3},null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,2,0)","v":7.8399999999999997E-2},{"$f":"DM4*97%/2","v":3.8023999999999995E-2},{"$f":"DM4*96%/4","v":1.8815999999999999E-2},{"$f":"DM4*95%/12","v":6.2066666666666659E-3},null,"Less than Rs.250,000",null,null,null,"Lifetime Income with Cash-BackN/A",null,null,{"$f":"IF($T$40=\"ann\",EL20,IF($T$40=\"hlf\",EM20,IF($T$40=\"qrt\",EN20,EO20)))","v":4.82252376E-3},null,{"$f":"IF($Y$18=DV4,1,0)","v":0},{"$f":"EO20","v":4.82252376E-3},null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,2,0)","v":7.8399999999999997E-2},{"$f":"EL4*97%/2","v":3.8023999999999995E-2},{"$f":"EL4*96%/4","v":1.8815999999999999E-2},{"$f":"EL4*95%/12","v":6.2066666666666659E-3},null,"Less than Rs.250,000"]
[null,"Kotak Lifetime Income Plan - Benefit Ilustration\nAn Immediate Annuity Non-Linked Non-Participating Life Insurance Plan\nUIN 107N103V06\nThis shall form part of the Policy Document",null,null,null,null,null,null,null,null,null,null,null,null,null,15,"Lifetime Income with Term Guarantee of 5/10/15/20 Years","Min. Age of Spouse",null,"35/18",null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years5",null,null,{"$f":"IF($R$22=\"ann\",AM30,IF($R$22=\"hlf\",AN30,IF($R$22=\"qrt\",AO30,AP30)))","v":6.3540008999999993E-3},null,{"$f":"IF($Y$18=W5,1,0)","v":0},{"$f":"AP30","v":6.3540008999999993E-3},null,null,null,null,null,null,null,null,500000,{"$f":"AM4*1.0063","v":7.8893919999999992E-2},{"$f":"AM5*97%/2","v":3.8263551199999996E-2},{"$f":"AM5*96%/4","v":1.8934540799999997E-2},{"$f":"AM5*95%/12","v":6.2457686666666659E-3},null,"250,000 to less than 500,000",null,null,null,null,"Assam",null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years5",null,null,{"$f":"IF($T$37=\"ann\",BO30,IF($T$37=\"hlf\",BP30,IF($T$37=\"qrt\",BQ30,BR30)))","v":8.0261063999999993E-2},null,{"$f":"IF($Y$18=AY5,1,0)","v":0},{"$f":"BR30","v":6.3540008999999993E-3},null,null,null,null,null,null,null,null,500000,{"$f":"BO4*1.0063","v":7.8893919999999992E-2},{"$f":"BO5*97%/2","v":3.8263551199999996E-2},{"$f":"BO5*96%/4","v":1.8934540799999997E-2},{"$f":"BO5*95%/12","v":6.2457686666666659E-3},null,"250,000 to less than 500,000",null,null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years5",null,null,{"$f":"IF($T$38=\"ann\",CN30,IF($T$38=\"hlf\",CO30,IF($T$38=\"qrt\",CP30,CQ30)))","v":3.8926616039999994E-2},null,{"$f":"IF($Y$18=BX5,1,0)","v":0},{"$f":"CQ30","v":6.3540008999999993E-3},null,null,null,null,null,null,null,null,500000,{"$f":"CN4*1.0063","v":7.8893919999999992E-2},{"$f":"CN5*97%/2","v":3.8263551199999996E-2},{"$f":"CN5*96%/4","v":1.8934540799999997E-2},{"$f":"CN5*95%/12","v":6.2457686666666659E-3},null,"250,000 to less than 500,000",null,null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years5",null,null,{"$f":"IF($T$39=\"ann\",DM30,IF($T$39=\"hlf\",DN30,IF($T$39=\"qrt\",DO30,DP30)))","v":1.9262655359999999E-2},null,{"$f":"IF($Y$18=CW5,1,0)","v":0},{"$f":"DP30","v":6.3540008999999993E-3},null,null,null,null,null,null,null,null,500000,{"$f":"DM4*1.0063","v":7.8893919999999992E-2},{"$f":"DM5*97%/2","v":3.8263551199999996E-2},{"$f":"DM5*96%/4","v":1.8934540799999997E-2},{"$f":"DM5*95%/12","v":6.2457686666666659E-3},null,"250,000 to less than 500,000",null,null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years5",null,null,{"$f":"IF($T$40=\"ann\",EL30,IF($T$40=\"hlf\",EM30,IF($T$40=\"qrt\",EN30,EO30)))","v":6.3540008999999993E-3},null,{"$f":"IF($Y$18=DV5,1,0)","v":0},{"$f":"EO30","v":6.3540008999999993E-3},null,null,null,null,null,null,null,null,500000,{"$f":"EL4*1.0063","v":7.8893919999999992E-2},{"$f":"EL5*97%/2","v":3.8263551199999996E-2},{"$f":"EL5*96%/4","v":1.8934540799999997E-2},{"$f":"EL5*95%/12","v":6.2457686666666659E-3},null,"250,000 to less than 500,000"]
[null,"Dear Customer,\nThe illustration is approved by the Board of Directors of the Company and takes into account the guidelines for illustrations set by the Life Insurance Council and the IRDAI. Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your life insurance company. If your policy offers guaranteed returns then these will be clearly marked “guaranteed” in the illustration table on this page. If your policy offers variable returns then the illustrations on this page will show two different rates of assumed investment returns. These assumed rates return are not guaranteed and they are not upper or lower limits of what you might get back as the value of your policy is dependent on a number of factors including future investment performance.\n",null,null,null,null,null,null,null,null,null,null,null,null,null,20,"Last survivor Lifetime Income with 100% annuity to Surviving Spouse","Max. Age of Spouse",null,"99/99",null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years10",null,null,{"$f":"IF($R$22=\"ann\",AM41,IF($R$22=\"hlf\",AN41,IF($R$22=\"qrt\",AO41,AP41)))","v":6.2725393499999992E-3},null,{"$f":"IF($Y$18=W6,1,0)","v":0},{"$f":"AP41","v":6.2725393499999992E-3},null,null,null,null,null,null,null,null,1000000,{"$f":"AM4*1.0188","v":7.9873919999999987E-2},{"$f":"AM6*97%/2","v":3.8738851199999993E-2},{"$f":"AM6*96%/4","v":1.9169740799999998E-2},{"$f":"AM6*95%/12","v":6.3233519999999982E-3},null,"500,000 to less than 10,00,000",null,null,null,null,"Bihar",null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years10",null,null,{"$f":"IF($T$37=\"ann\",BO41,IF($T$37=\"hlf\",BP41,IF($T$37=\"qrt\",BQ41,BR41)))","v":7.9232075999999999E-2},null,{"$f":"IF($Y$18=AY6,1,0)","v":0},{"$f":"BR41","v":6.2725393499999992E-3},null,null,null,null,null,null,null,null,1000000,{"$f":"BO4*1.0188","v":7.9873919999999987E-2},{"$f":"BO6*97%/2","v":3.8738851199999993E-2},{"$f":"BO6*96%/4","v":1.9169740799999998E-2},{"$f":"BO6*95%/12","v":6.3233519999999982E-3},null,"500,000 to less than 10,00,000",null,null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years10",null,null,{"$f":"IF($T$38=\"ann\",CN41,IF($T$38=\"hlf\",CO41,IF($T$38=\"qrt\",CP41,CQ41)))","v":3.8427556859999996E-2},null,{"$f":"IF($Y$18=BX6,1,0)","v":0},{"$f":"CQ41","v":6.2725393499999992E-3},null,null,null,null,null,null,null,null,1000000,{"$f":"CN4*1.0188","v":7.9873919999999987E-2},{"$f":"CN6*97%/2","v":3.8738851199999993E-2},{"$f":"CN6*96%/4","v":1.9169740799999998E-2},{"$f":"CN6*95%/12","v":6.3233519999999982E-3},null,"500,000 to less than 10,00,000",null,null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years10",null,null,{"$f":"IF($T$39=\"ann\",DM41,IF($T$39=\"hlf\",DN41,IF($T$39=\"qrt\",DO41,DP41)))","v":1.901569824E-2},null,{"$f":"IF($Y$18=CW6,1,0)","v":0},{"$f":"DP41","v":6.2725393499999992E-3},null,null,null,null,null,null,null,null,1000000,{"$f":"DM4*1.0188","v":7.9873919999999987E-2},{"$f":"DM6*97%/2","v":3.8738851199999993E-2},{"$f":"DM6*96%/4","v":1.9169740799999998E-2},{"$f":"DM6*95%/12","v":6.3233519999999982E-3},null,"500,000 to less than 10,00,000",null,null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years10",null,null,{"$f":"IF($T$40=\"ann\",EL41,IF($T$40=\"hlf\",EM41,IF($T$40=\"qrt\",EN41,EO41)))","v":6.2725393499999992E-3},null,{"$f":"IF($Y$18=DV6,1,0)","v":0},{"$f":"EO41","v":6.2725393499999992E-3},null,null,null,null,null,null,null,null,1000000,{"$f":"EL4*1.0188","v":7.9873919999999987E-2},{"$f":"EL6*97%/2","v":3.8738851199999993E-2},{"$f":"EL6*96%/4","v":1.9169740799999998E-2},{"$f":"EL6*95%/12","v":6.3233519999999982E-3},null,"500,000 to less than 10,00,000"]
[null,"Name of Annuitant",null,"Mr Customer",null,null,{"$f":"IF(D7=\"\",\"Please enter Name of the Annuitant\",IF(D9=\"\",\"Please enter the Date of Birth\",IF(D8=\"\",\"Please enter the Gender\",\"\")))","v":""},null,"Name of Proposer , if different from Annuitant",null,"Mr Customer",null,null,null,null,"N/A","Last survivor Lifetime Income with 50% annuity to Surviving Spouse","Min. Single Premium",null,"Minimum Single premium shall be such that the minimum annuity payable in this plan is at least equal to Rs.1000 per month",null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years15",null,null,{"$f":"IF($R$22=\"ann\",AM52,IF($R$22=\"hlf\",AN52,IF($R$22=\"qrt\",AO52,AP52)))","v":6.1422008699999978E-3},null,0,{"$f":"AP52","v":6.1422008699999978E-3},null,null,null,null,null,null,null,null,5000000,{"$f":"AM4*1.025","v":8.0359999999999987E-2},{"$f":"AM7*97%/2","v":3.8974599999999991E-2},{"$f":"AM7*96%/4","v":1.9286399999999995E-2},{"$f":"AM7*95%/12","v":6.3618333333333313E-3},null,"10,00,000 to less than 50,00,000",null,null,null,null,"Chandigarh",null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years15",null,null,{"$f":"IF($T$37=\"ann\",BO52,IF($T$37=\"hlf\",BP52,IF($T$37=\"qrt\",BQ52,BR52)))","v":7.7585695199999985E-2},null,0,{"$f":"BR52","v":6.1422008699999978E-3},null,null,null,null,null,null,null,null,5000000,{"$f":"BO4*1.025","v":8.0359999999999987E-2},{"$f":"BO7*97%/2","v":3.8974599999999991E-2},{"$f":"BO7*96%/4","v":1.9286399999999995E-2},{"$f":"BO7*95%/12","v":6.3618333333333313E-3},null,"10,00,000 to less than 50,00,000",null,null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years15",null,null,{"$f":"IF($T$38=\"ann\",CN52,IF($T$38=\"hlf\",CO52,IF($T$38=\"qrt\",CP52,CQ52)))","v":3.7629062171999995E-2},null,0,{"$f":"CQ52","v":6.1422008699999978E-3},null,null,null,null,null,null,null,null,5000000,{"$f":"CN4*1.025","v":8.0359999999999987E-2},{"$f":"CN7*97%/2","v":3.8974599999999991E-2},{"$f":"CN7*96%/4","v":1.9286399999999995E-2},{"$f":"CN7*95%/12","v":6.3618333333333313E-3},null,"10,00,000 to less than 50,00,000",null,null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years15",null,null,{"$f":"IF($T$39=\"ann\",DM52,IF($T$39=\"hlf\",DN52,IF($T$39=\"qrt\",DO52,DP52)))","v":1.8620566847999995E-2},null,0,{"$f":"DP52","v":6.1422008699999978E-3},null,null,null,null,null,null,null,null,5000000,{"$f":"DM4*1.025","v":8.0359999999999987E-2},{"$f":"DM7*97%/2","v":3.8974599999999991E-2},{"$f":"DM7*96%/4","v":1.9286399999999995E-2},{"$f":"DM7*95%/12","v":6.3618333333333313E-3},null,"10,00,000 to less than 50,00,000",null,null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years15",null,null,{"$f":"IF($T$40=\"ann\",EL52,IF($T$40=\"hlf\",EM52,IF($T$40=\"qrt\",EN52,EO52)))","v":6.1422008699999978E-3},null,0,{"$f":"EO52","v":6.1422008699999978E-3},null,null,null,null,null,null,null,null,5000000,{"$f":"EL4*1.025","v":8.0359999999999987E-2},{"$f":"EL7*97%/2","v":3.8974599999999991E-2},{"$f":"EL7*96%/4","v":1.9286399999999995E-2},{"$f":"EL7*95%/12","v":6.3618333333333313E-3},null,"10,00,000 to less than 50,00,000"]
[null,"Gender of Annuitant",null,"Female",null,null,null,null,"Gender of Proposer",null,"Female",null,null,null,null,null,"Last survivor Lifetime Income with 100% annuity to the Surviving Spouse and Cash-back on death of Surviving Spouse",null,null,null,null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years20",null,null,{"$f":"IF($R$22=\"ann\",AM63,IF($R$22=\"hlf\",AN63,IF($R$22=\"qrt\",AO63,AP63)))","v":5.987423924999998E-3},null,0,{"$f":"AP63","v":5.987423924999998E-3},null,null,null,null,null,null,null,null,"5000000+",{"$f":"AM4*1.03","v":8.0752000000000004E-2},{"$f":"AM8*97%/2","v":3.916472E-2},{"$f":"AM8*96%/4","v":1.9380480000000002E-2},{"$f":"AM8*95%/12","v":6.3928666666666668E-3},null,"50,00,000 & above",null,null,null,null,"Chattisgarh",null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years20",null,null,{"$f":"IF($T$37=\"ann\",BO63,IF($T$37=\"hlf\",BP63,IF($T$37=\"qrt\",BQ63,BR63)))","v":7.5630617999999983E-2},null,0,{"$f":"BR63","v":5.987423924999998E-3},null,null,null,null,null,null,null,null,"5000000+",{"$f":"BO4*1.03","v":8.0752000000000004E-2},{"$f":"BO8*97%/2","v":3.916472E-2},{"$f":"BO8*96%/4","v":1.9380480000000002E-2},{"$f":"BO8*95%/12","v":6.3928666666666668E-3},null,"50,00,000 & above",null,null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years20",null,null,{"$f":"IF($T$38=\"ann\",CN63,IF($T$38=\"hlf\",CO63,IF($T$38=\"qrt\",CP63,CQ63)))","v":3.6680849729999992E-2},null,0,{"$f":"CQ63","v":5.987423924999998E-3},null,null,null,null,null,null,null,null,"5000000+",{"$f":"CN4*1.03","v":8.0752000000000004E-2},{"$f":"CN8*97%/2","v":3.916472E-2},{"$f":"CN8*96%/4","v":1.9380480000000002E-2},{"$f":"CN8*95%/12","v":6.3928666666666668E-3},null,"50,00,000 & above",null,null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years20",null,null,{"$f":"IF($T$39=\"ann\",DM63,IF($T$39=\"hlf\",DN63,IF($T$39=\"qrt\",DO63,DP63)))","v":1.8151348319999993E-2},null,0,{"$f":"DP63","v":5.987423924999998E-3},null,null,null,null,null,null,null,null,"5000000+",{"$f":"DM4*1.03","v":8.0752000000000004E-2},{"$f":"DM8*97%/2","v":3.916472E-2},{"$f":"DM8*96%/4","v":1.9380480000000002E-2},{"$f":"DM8*95%/12","v":6.3928666666666668E-3},null,"50,00,000 & above",null,null,null,"Lifetime Income with Term Guarantee of 5/10/15/20 Years20",null,null,{"$f":"IF($T$40=\"ann\",EL63,IF($T$40=\"hlf\",EM63,IF($T$40=\"qrt\",EN63,EO63)))","v":5.987423924999998E-3},null,0,{"$f":"EO63","v":5.987423924999998E-3},null,null,null,null,null,null,null,null,"5000000+",{"$f":"EL4*1.03","v":8.0752000000000004E-2},{"$f":"EL8*97%/2","v":3.916472E-2},{"$f":"EL8*96%/4","v":1.9380480000000002E-2},{"$f":"EL8*95%/12","v":6.3928666666666668E-3},null,"50,00,000 & above"]
[null,"Date of Birth of Annuitant",null,"1973-01-01",null,null,{"$f":"IF(K11=\"\",\"Please select  the Client Category\",IF(Tax_Region=\"\",\"Please select Agent’s Branch Location\",IF(AND(LEFT(K11,3)=\"NPS\",I21<>\"Monthly\"),\"Please select the Frequency of Annuity Payment as Monthly\",IF(I21=\"\",\"Please select the Frequency of Annuity Payment\",IF(B21=\"\",\"Please select the Annuity Option\",IF(Proposer_Location=\"\",\"Please select Proposer's Current Location\",\"\"))))))","v":""},null,"Date of Birth of Proposer",null,"1973-01-01",null,null,null,null,null,null,null,null,null,null,null,"Last survivor Lifetime Income with 100% annuity to Surviving SpouseN/A",null,null,{"$f":"IF($R$22=\"ann\",AM74,IF($R$22=\"hlf\",AN74,IF($R$22=\"qrt\",AO74,AP74)))","v":5.4905084699999997E-3},null,0,{"$f":"AP74","v":5.4905084699999997E-3},null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL4,AM4,IF(SP<$AL5,AM5,IF(SP<$AL6,AM6,IF(SP<$AL7,AM7,AM8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":8.0672659199999983E-2},{"$f":"IF(SP<$AL4,AN4,IF(SP<$AL5,AN5,IF(SP<$AL6,AN6,IF(SP<$AL7,AN7,AN8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":3.9126239711999994E-2},{"$f":"IF(SP<$AL4,AO4,IF(SP<$AL5,AO5,IF(SP<$AL6,AO6,IF(SP<$AL7,AO7,AO8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":1.9361438207999997E-2},{"$f":"IF(SP<$AL4,AP4,IF(SP<$AL5,AP5,IF(SP<$AL6,AP6,IF(SP<$AL7,AP7,AP8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":6.3865855199999981E-3},null,null,null,null,null,null,"Dadra and Nagar Haveli",null,"Last survivor Lifetime Income with 100% annuity to Surviving SpouseN/A",null,null,{"$f":"IF($T$37=\"ann\",BO74,IF($T$37=\"hlf\",BP74,IF($T$37=\"qrt\",BQ74,BR74)))","v":6.9353791200000001E-2},null,0,{"$f":"BR74","v":5.4905084699999997E-3},null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL4,BO4,IF(SP<$AL5,BO5,IF(SP<$AL6,BO6,IF(SP<$AL7,BO7,BO8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":8.0672659199999983E-2},{"$f":"IF(SP<$AL4,BP4,IF(SP<$AL5,BP5,IF(SP<$AL6,BP6,IF(SP<$AL7,BP7,BP8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":3.9126239711999994E-2},{"$f":"IF(SP<$AL4,BQ4,IF(SP<$AL5,BQ5,IF(SP<$AL6,BQ6,IF(SP<$AL7,BQ7,BQ8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":1.9361438207999997E-2},{"$f":"IF(SP<$AL4,BR4,IF(SP<$AL5,BR5,IF(SP<$AL6,BR6,IF(SP<$AL7,BR7,BR8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":6.3865855199999981E-3},null,null,null,null,null,"Last survivor Lifetime Income with 100% annuity to Surviving SpouseN/A",null,null,{"$f":"IF($T$38=\"ann\",CN74,IF($T$38=\"hlf\",CO74,IF($T$38=\"qrt\",CP74,CQ74)))","v":3.3636588731999997E-2},null,0,{"$f":"CQ74","v":5.4905084699999997E-3},null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL4,CN4,IF(SP<$AL5,CN5,IF(SP<$AL6,CN6,IF(SP<$AL7,CN7,CN8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":8.0672659199999983E-2},{"$f":"IF(SP<$AL4,CO4,IF(SP<$AL5,CO5,IF(SP<$AL6,CO6,IF(SP<$AL7,CO7,CO8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":3.9126239711999994E-2},{"$f":"IF(SP<$AL4,CP4,IF(SP<$AL5,CP5,IF(SP<$AL6,CP6,IF(SP<$AL7,CP7,CP8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":1.9361438207999997E-2},{"$f":"IF(SP<$AL4,CQ4,IF(SP<$AL5,CQ5,IF(SP<$AL6,CQ6,IF(SP<$AL7,CQ7,CQ8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":6.3865855199999981E-3},null,null,null,null,null,"Last survivor Lifetime Income with 100% annuity to Surviving SpouseN/A",null,null,{"$f":"IF($T$39=\"ann\",DM74,IF($T$39=\"hlf\",DN74,IF($T$39=\"qrt\",DO74,DP74)))","v":1.6644909887999999E-2},null,0,{"$f":"DP74","v":5.4905084699999997E-3},null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL4,DM4,IF(SP<$AL5,DM5,IF(SP<$AL6,DM6,IF(SP<$AL7,DM7,DM8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":8.0672659199999983E-2},{"$f":"IF(SP<$AL4,DN4,IF(SP<$AL5,DN5,IF(SP<$AL6,DN6,IF(SP<$AL7,DN7,DN8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":3.9126239711999994E-2},{"$f":"IF(SP<$AL4,DO4,IF(SP<$AL5,DO5,IF(SP<$AL6,DO6,IF(SP<$AL7,DO7,DO8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":1.9361438207999997E-2},{"$f":"IF(SP<$AL4,DP4,IF(SP<$AL5,DP5,IF(SP<$AL6,DP6,IF(SP<$AL7,DP7,DP8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":6.3865855199999981E-3},null,null,null,null,null,"Last survivor Lifetime Income with 100% annuity to Surviving SpouseN/A",null,null,{"$f":"IF($T$40=\"ann\",EL74,IF($T$40=\"hlf\",EM74,IF($T$40=\"qrt\",EN74,EO74)))","v":5.4905084699999997E-3},null,0,{"$f":"EO74","v":5.4905084699999997E-3},null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL4,EL4,IF(SP<$AL5,EL5,IF(SP<$AL6,EL6,IF(SP<$AL7,EL7,EL8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":8.0672659199999983E-2},{"$f":"IF(SP<$AL4,EM4,IF(SP<$AL5,EM5,IF(SP<$AL6,EM6,IF(SP<$AL7,EM7,EM8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":3.9126239711999994E-2},{"$f":"IF(SP<$AL4,EN4,IF(SP<$AL5,EN5,IF(SP<$AL6,EN6,IF(SP<$AL7,EN7,EN8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":1.9361438207999997E-2},{"$f":"IF(SP<$AL4,EO4,IF(SP<$AL5,EO5,IF(SP<$AL6,EO6,IF(SP<$AL7,EO7,EO8))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":6.3865855199999981E-3}]
[null,"Age as on last birthday",null,{"$f":"Calculator!F8","v":60},null,null,null,null,"Age as on last birthday",null,{"$f":"Calculator!F8","v":60},null,null,null,null,null,null,null,null,null,null,null,"Last survivor Lifetime Income with 50% annuity to Surviving SpouseN/A",null,null,{"$f":"IF($R$22=\"ann\",AM85,IF($R$22=\"hlf\",AN85,IF($R$22=\"qrt\",AO85,AP85)))","v":5.8978162199999993E-3},null,0,{"$f":"AP85","v":5.8978162199999993E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Daman and Diu",null,"Last survivor Lifetime Income with 50% annuity to Surviving SpouseN/A",null,null,{"$f":"IF($T$37=\"ann\",BO85,IF($T$37=\"hlf\",BP85,IF($T$37=\"qrt\",BQ85,BR85)))","v":7.4498731200000001E-2},null,0,{"$f":"BR85","v":5.8978162199999993E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Last survivor Lifetime Income with 50% annuity to Surviving SpouseN/A",null,null,{"$f":"IF($T$38=\"ann\",CN85,IF($T$38=\"hlf\",CO85,IF($T$38=\"qrt\",CP85,CQ85)))","v":3.6131884631999997E-2},null,0,{"$f":"CQ85","v":5.8978162199999993E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Last survivor Lifetime Income with 50% annuity to Surviving SpouseN/A",null,null,{"$f":"IF($T$39=\"ann\",DM85,IF($T$39=\"hlf\",DN85,IF($T$39=\"qrt\",DO85,DP85)))","v":1.7879695487999999E-2},null,0,{"$f":"DP85","v":5.8978162199999993E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Last survivor Lifetime Income with 50% annuity to Surviving SpouseN/A",null,null,{"$f":"IF($T$40=\"ann\",EL85,IF($T$40=\"hlf\",EM85,IF($T$40=\"qrt\",EN85,EO85)))","v":5.8978162199999993E-3},null,0,{"$f":"EO85","v":5.8978162199999993E-3}]
[null,{"$f":"IF(SUM(AB9:AB11)=1,\"Name of Spouse\", \"\")","v":""},null,{"$f":"Calculator!F15","v":"Ms.Customer"},null,null,{"$f":"IF(Age<100,IF(AND(OR(LEFT(K11,2)=\"NE\",LEFT(K11,3)=\"NPS\"),Age<45),\"Minimum age at entry is 45 years for \"&K11,IF(AND(OR(LEFT(K11)=\"M\",LEFT(K11)=\"E\"),Age<18),\"Minimum age at entry is 18 years for \"&K11,IF(AND(LEFT(K11,1)=\"Q\",Age < 55),\"Minimum age at entry is 55 years if purchased through QROPS\",IF(AND(LEFT(K11,3)=\"Nom\",Age < 0),\"Minimum age at entry is 0 years for Nominees of deceased KLI pension plan policyholders\",\"\")))),\"Max age at entry cannot be more than 99 years\")","v":""},null,"Client Category",null,{"$f":"Calculator!F7","v":"Existing Group Customers"},null,null,null,null,"Gender",null,null,null,null,null,null,"Last survivor Lifetime Income with 100% annuity to the Surviving Spouse and Cash-back on death of Surviving SpouseN/A",null,null,{"$f":"IF($R$22=\"ann\",AM96,IF($R$22=\"hlf\",AN96,IF($R$22=\"qrt\",AO96,AP96)))","v":4.7736468299999996E-3},null,0,{"$f":"AP96","v":4.7736468299999996E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Delhi",null,"Last survivor Lifetime Income with 100% annuity to the Surviving Spouse and Cash-back on death of Surviving SpouseN/A",null,null,{"$f":"IF($T$37=\"ann\",BO96,IF($T$37=\"hlf\",BP96,IF($T$37=\"qrt\",BQ96,BR96)))","v":6.0298696799999996E-2},null,0,{"$f":"BR96","v":4.7736468299999996E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Last survivor Lifetime Income with 100% annuity to the Surviving Spouse and Cash-back on death of Surviving SpouseN/A",null,null,{"$f":"IF($T$38=\"ann\",CN96,IF($T$38=\"hlf\",CO96,IF($T$38=\"qrt\",CP96,CQ96)))","v":2.9244867947999995E-2},null,0,{"$f":"CQ96","v":4.7736468299999996E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Last survivor Lifetime Income with 100% annuity to the Surviving Spouse and Cash-back on death of Surviving SpouseN/A",null,null,{"$f":"IF($T$39=\"ann\",DM96,IF($T$39=\"hlf\",DN96,IF($T$39=\"qrt\",DO96,DP96)))","v":1.4471687231999998E-2},null,0,{"$f":"DP96","v":4.7736468299999996E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Last survivor Lifetime Income with 100% annuity to the Surviving Spouse and Cash-back on death of Surviving SpouseN/A",null,null,{"$f":"IF($T$40=\"ann\",EL96,IF($T$40=\"hlf\",EM96,IF($T$40=\"qrt\",EN96,EO96)))","v":4.7736468299999996E-3},null,0,{"$f":"EO96","v":4.7736468299999996E-3}]
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[null,{"$f":"IF(B11=\"\",\"\",\"Age as on last birthday\")","v":""},null,{"$f":"Calculator!F16","v":55},null,null,null,null,"Proposer's Current Location",null,"Foreign Country",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,null,"Haryana",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth"]
[null,"Is Proposer same as annuitant",null,"Yes",null,null,{"$f":"IFERROR(IF(Y22<1000,\"Minimum Single premium shall be such that the minimum annuity payable in this plan is at least equal to Rs.1000 per month. Single Premium must be more than or equal to \"& Y26,\"\"),\"Please check the inputs\")","v":""},null,"NRI/Resident India",null,"Resident India",null,null,null,null,null,null,"Condition for showing premium",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,3,0)","v":5.9200000000000003E-2},{"$f":"AM15*97%/2","v":2.8712000000000001E-2},{"$f":"AM15*96%/4","v":1.4208E-2},{"$f":"AM15*95%/12","v":4.6866666666666662E-3},null,null,null,null,null,null,"Himachal Pradesh",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,3,0)","v":5.9200000000000003E-2},{"$f":"BO15*97%/2","v":2.8712000000000001E-2},{"$f":"BO15*96%/4","v":1.4208E-2},{"$f":"BO15*95%/12","v":4.6866666666666662E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,3,0)","v":5.9200000000000003E-2},{"$f":"CN15*97%/2","v":2.8712000000000001E-2},{"$f":"CN15*96%/4","v":1.4208E-2},{"$f":"CN15*95%/12","v":4.6866666666666662E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,3,0)","v":5.9200000000000003E-2},{"$f":"DM15*97%/2","v":2.8712000000000001E-2},{"$f":"DM15*96%/4","v":1.4208E-2},{"$f":"DM15*95%/12","v":4.6866666666666662E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,3,0)","v":5.9200000000000003E-2},{"$f":"EL15*97%/2","v":2.8712000000000001E-2},{"$f":"EL15*96%/4","v":1.4208E-2},{"$f":"EL15*95%/12","v":4.6866666666666662E-3}]
[null,{"$f":"IF(AND(LEFT(K11,5)=\"QROPS\",D15=\"No\"),\"If annuity is availed through QROPs then Annuitant and Proposer should be same\",IF(D15=\"No\",IF(AND(K7=D7,K8=D8,K9=D9),\"Proposer details should be different from annuitant\",\"\"),IF(AND(K7=D7,D8=K8,D9=K9),\"\",\"Please ensure Annuitant details are same as Proposer\")))","v":""},null,null,null,null,null,null,null,{"$f":"IF(AND(B21=\"Lifetime Income with Term Guarantee of 5/10/15/20 Years\",OR(H21=\"\",H21=\"N/A\")),\"Please select Guarantee Term\",IF(AND(B21<>\"Lifetime Income with Term Guarantee of 5/10/15/20 Years\",H21<>\"N/A\"),\"Please de-select Guarantee Term\",\"\"))","v":""},null,null,null,null,null,"Annuity Mode",null,{"$f":"OR(G7<>\"\",G9<>\"\",G15<>\"\",J16<>\"\",G11<>\"\",G12<>\"\",G13<>\"\",I17<>\"\",I22<>\"\",B16<>\"\")","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,500000,{"$f":"AM15*1.0063","v":5.9572960000000001E-2},{"$f":"AM16*97%/2","v":2.8892885600000001E-2},{"$f":"AM16*96%/4","v":1.42975104E-2},{"$f":"AM16*95%/12","v":4.7161926666666664E-3},null,null,null,null,null,null,"Jammu and Kashmir",null,null,null,null,null,null,null,null,"ann",{"$f":"$Y$19","v":6274},null,null,null,null,null,null,500000,{"$f":"BO15*1.0063","v":5.9572960000000001E-2},{"$f":"BO16*97%/2","v":2.8892885600000001E-2},{"$f":"BO16*96%/4","v":1.42975104E-2},{"$f":"BO16*95%/12","v":4.7161926666666664E-3},null,null,null,null,null,null,null,null,null,null,null,null,"ann",{"$f":"$Y$19","v":6274},null,null,null,null,null,null,500000,{"$f":"CN15*1.0063","v":5.9572960000000001E-2},{"$f":"CN16*97%/2","v":2.8892885600000001E-2},{"$f":"CN16*96%/4","v":1.42975104E-2},{"$f":"CN16*95%/12","v":4.7161926666666664E-3},null,null,null,null,null,null,null,null,null,null,null,null,"ann",{"$f":"$Y$19","v":6274},null,null,null,null,null,null,500000,{"$f":"DM15*1.0063","v":5.9572960000000001E-2},{"$f":"DM16*97%/2","v":2.8892885600000001E-2},{"$f":"DM16*96%/4","v":1.42975104E-2},{"$f":"DM16*95%/12","v":4.7161926666666664E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,500000,{"$f":"EL15*1.0063","v":5.9572960000000001E-2},{"$f":"EL16*97%/2","v":2.8892885600000001E-2},{"$f":"EL16*96%/4","v":1.42975104E-2},{"$f":"EL16*95%/12","v":4.7161926666666664E-3}]
[null,null,null,null,null,null,null,null,{"$f":"IF(AND(OR(K11<>\"New Customers\",LEFT(K11,3)<>\"NPS\",LEFT(K11,5)<>\"QROPS\",K11<>\"New Group Customers\"),K12=\"\"), \"Please Enter Your \"&I12, \"\")","v":""},null,null,null,null,null,null,"Yearly",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000000,{"$f":"AM15*1.0188","v":6.0312959999999999E-2},{"$f":"AM17*97%/2","v":2.92517856E-2},{"$f":"AM17*96%/4","v":1.44751104E-2},{"$f":"AM17*95%/12","v":4.7747759999999997E-3},null,null,null,null,null,null,"Jharkhand",null,null,null,null,null,null,null,null,"hlf",{"$f":"$Y$19","v":6274},null,null,null,null,null,null,1000000,{"$f":"BO15*1.0188","v":6.0312959999999999E-2},{"$f":"BO17*97%/2","v":2.92517856E-2},{"$f":"BO17*96%/4","v":1.44751104E-2},{"$f":"BO17*95%/12","v":4.7747759999999997E-3},null,null,null,null,null,null,null,null,null,null,null,null,"hlf",{"$f":"$Y$19","v":6274},null,null,null,null,null,null,1000000,{"$f":"CN15*1.0188","v":6.0312959999999999E-2},{"$f":"CN17*97%/2","v":2.92517856E-2},{"$f":"CN17*96%/4","v":1.44751104E-2},{"$f":"CN17*95%/12","v":4.7747759999999997E-3},null,null,null,null,null,null,null,null,null,null,null,null,"hlf",{"$f":"$Y$19","v":6274},null,null,null,null,null,null,1000000,{"$f":"DM15*1.0188","v":6.0312959999999999E-2},{"$f":"DM17*97%/2","v":2.92517856E-2},{"$f":"DM17*96%/4","v":1.44751104E-2},{"$f":"DM17*95%/12","v":4.7747759999999997E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000000,{"$f":"EL15*1.0188","v":6.0312959999999999E-2},{"$f":"EL17*97%/2","v":2.92517856E-2},{"$f":"EL17*96%/4","v":1.44751104E-2},{"$f":"EL17*95%/12","v":4.7747759999999997E-3}]
[null,"Plan Details",null,null,null,null,null,null,null,null,null,null,null,null,null,"Half Yearly",1,null,null,null,null,null,"Premium Calculation Code",null,{"$f":"(B21&H21)","v":"Lifetime IncomeN/A"},null,null,null,null,null,null,null,null,null,null,null,null,5000000,{"$f":"AM15*1.025","v":6.0679999999999998E-2},{"$f":"AM18*97%/2","v":2.9429799999999999E-2},{"$f":"AM18*96%/4","v":1.4563199999999998E-2},{"$f":"AM18*95%/12","v":4.8038333333333327E-3},null,null,null,null,null,null,"Karnataka",null,"Premium Calculation Code",null,{"$f":"(AD21&AJ21)","v":""},null,null,null,null,"qrt",6274,null,null,null,null,null,null,5000000,{"$f":"BO15*1.025","v":6.0679999999999998E-2},{"$f":"BO18*97%/2","v":2.9429799999999999E-2},{"$f":"BO18*96%/4","v":1.4563199999999998E-2},{"$f":"BO18*95%/12","v":4.8038333333333327E-3},null,null,null,null,null,"Premium Calculation Code",null,{"$f":"(BC21&BI21)","v":""},null,null,null,null,"qrt",6274,null,null,null,null,null,null,5000000,{"$f":"CN15*1.025","v":6.0679999999999998E-2},{"$f":"CN18*97%/2","v":2.9429799999999999E-2},{"$f":"CN18*96%/4","v":1.4563199999999998E-2},{"$f":"CN18*95%/12","v":4.8038333333333327E-3},null,null,null,null,null,"Premium Calculation Code",null,{"$f":"(CB21&CH21)","v":""},null,null,null,null,"qrt",6274,null,null,null,null,null,null,5000000,{"$f":"DM15*1.025","v":6.0679999999999998E-2},{"$f":"DM18*97%/2","v":2.9429799999999999E-2},{"$f":"DM18*96%/4","v":1.4563199999999998E-2},{"$f":"DM18*95%/12","v":4.8038333333333327E-3},null,null,null,null,null,"Premium Calculation Code",null,{"$f":"(DA21&DG21)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,5000000,{"$f":"EL15*1.025","v":6.0679999999999998E-2},{"$f":"EL18*97%/2","v":2.9429799999999999E-2},{"$f":"EL18*96%/4","v":1.4563199999999998E-2},{"$f":"EL18*95%/12","v":4.8038333333333327E-3}]
[null,"Annuity Option",null,null,null,null,null,"Guarantee Term","Frequency of Annuity Payment","Annuity Installment (Rs.)",null,"Amount of Single Premium",null,null,null,"Quarterly",2,"Date of Illustration",null,{"$f":"TODAY()","v":"2021-04-12"},null,null,"Annuity Amount ",null,{"$f":"ROUND(SUMPRODUCT(Z3:Z12,AB3:AB12)*SP,0)","v":6274},null,null,null,null,null,null,null,null,null,null,null,null,"5000,000+",{"$f":"AM15*1.03","v":6.0976000000000002E-2},{"$f":"AM19*97%/2","v":2.957336E-2},{"$f":"AM19*96%/4","v":1.463424E-2},{"$f":"AM19*95%/12","v":4.8272666666666665E-3},null,null,null,null,null,null,"Kerala",null,"Annuity Amount ",null,{"$f":"ROUND(SUMPRODUCT(BB3:BB12,BD3:BD12)*SP,0)","v":79246},null,null,null,null,"mnt",6274,null,null,null,null,null,null,"5000,000+",{"$f":"BO15*1.03","v":6.0976000000000002E-2},{"$f":"BO19*97%/2","v":2.957336E-2},{"$f":"BO19*96%/4","v":1.463424E-2},{"$f":"BO19*95%/12","v":4.8272666666666665E-3},null,null,null,null,null,"Annuity Amount ",null,{"$f":"ROUND(SUMPRODUCT(CA3:CA12,CC3:CC12)*SP,0)","v":38434},null,null,null,null,"mnt",6274,null,null,null,null,null,null,"5000,000+",{"$f":"CN15*1.03","v":6.0976000000000002E-2},{"$f":"CN19*97%/2","v":2.957336E-2},{"$f":"CN19*96%/4","v":1.463424E-2},{"$f":"CN19*95%/12","v":4.8272666666666665E-3},null,null,null,null,null,"Annuity Amount ",null,{"$f":"ROUND(SUMPRODUCT(CZ3:CZ12,DB3:DB12)*SP,0)","v":19019},null,null,null,null,"mnt",6274,null,null,null,null,null,null,"5000,000+",{"$f":"DM15*1.03","v":6.0976000000000002E-2},{"$f":"DM19*97%/2","v":2.957336E-2},{"$f":"DM19*96%/4","v":1.463424E-2},{"$f":"DM19*95%/12","v":4.8272666666666665E-3},null,null,null,null,null,"Annuity Amount ",null,{"$f":"ROUND(SUMPRODUCT(DY3:DY12,EA3:EA12)*SP,0)","v":6274},null,null,null,null,null,null,null,null,null,null,null,null,"5000,000+",{"$f":"EL15*1.03","v":6.0976000000000002E-2},{"$f":"EL19*97%/2","v":2.957336E-2},{"$f":"EL19*96%/4","v":1.463424E-2},{"$f":"EL19*95%/12","v":4.8272666666666665E-3}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",3,"Spouse Details Required",null,{"$f":"IF(SUM(AB9:AB11)=1,\"Yes\",\"No\")","v":"No"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL15,AM15,IF(SP<$AL16,AM16,IF(SP<$AL17,AM17,IF(SP<$AL18,AM18,AM19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":6.0916089600000001E-2},{"$f":"IF(SP<$AL15,AN15,IF(SP<$AL16,AN16,IF(SP<$AL17,AN17,IF(SP<$AL18,AN18,AN19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":2.9544303455999999E-2},{"$f":"IF(SP<$AL15,AO15,IF(SP<$AL16,AO16,IF(SP<$AL17,AO17,IF(SP<$AL18,AO18,AO19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":1.4619861503999999E-2},{"$f":"IF(SP<$AL15,AP15,IF(SP<$AL16,AP16,IF(SP<$AL17,AP17,IF(SP<$AL18,AP18,AP19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":4.82252376E-3},null,null,null,null,null,null,"Lakshadweep Islands",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL15,BO15,IF(SP<$AL16,BO16,IF(SP<$AL17,BO17,IF(SP<$AL18,BO18,BO19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":6.0916089600000001E-2},{"$f":"IF(SP<$AL15,BP15,IF(SP<$AL16,BP16,IF(SP<$AL17,BP17,IF(SP<$AL18,BP18,BP19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":2.9544303455999999E-2},{"$f":"IF(SP<$AL15,BQ15,IF(SP<$AL16,BQ16,IF(SP<$AL17,BQ17,IF(SP<$AL18,BQ18,BQ19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group 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of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":2.9544303455999999E-2},{"$f":"IF(SP<$AL15,CP15,IF(SP<$AL16,CP16,IF(SP<$AL17,CP17,IF(SP<$AL18,CP18,CP19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":1.4619861503999999E-2},{"$f":"IF(SP<$AL15,CQ15,IF(SP<$AL16,CQ16,IF(SP<$AL17,CQ17,IF(SP<$AL18,CQ18,CQ19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":4.82252376E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL15,DM15,IF(SP<$AL16,DM16,IF(SP<$AL17,DM17,IF(SP<$AL18,DM18,DM19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":6.0916089600000001E-2},{"$f":"IF(SP<$AL15,DN15,IF(SP<$AL16,DN16,IF(SP<$AL17,DN17,IF(SP<$AL18,DN18,DN19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":2.9544303455999999E-2},{"$f":"IF(SP<$AL15,DO15,IF(SP<$AL16,DO16,IF(SP<$AL17,DO17,IF(SP<$AL18,DO18,DO19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":1.4619861503999999E-2},{"$f":"IF(SP<$AL15,DP15,IF(SP<$AL16,DP16,IF(SP<$AL17,DP17,IF(SP<$AL18,DP18,DP19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":4.82252376E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL15,EL15,IF(SP<$AL16,EL16,IF(SP<$AL17,EL17,IF(SP<$AL18,EL18,EL19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":6.0916089600000001E-2},{"$f":"IF(SP<$AL15,EM15,IF(SP<$AL16,EM16,IF(SP<$AL17,EM17,IF(SP<$AL18,EM18,EM19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":2.9544303455999999E-2},{"$f":"IF(SP<$AL15,EN15,IF(SP<$AL16,EN16,IF(SP<$AL17,EN17,IF(SP<$AL18,EN18,EN19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":1.4619861503999999E-2},{"$f":"IF(SP<$AL15,EO15,IF(SP<$AL16,EO16,IF(SP<$AL17,EO17,IF(SP<$AL18,EO18,EO19))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":4.82252376E-3}]
[null,{"$f":"Calculator!F12","v":"Lifetime Income"},null,null,null,null,null,{"$f":"Calculator!F13","v":"N/A"},"Monthly",{"$f":"IF(R16=TRUE,\"Check any Validations\",Y19)","v":6274},null,{"$f":"Calculator!F10","v":982318},null,null,null,null,null,"Chosen Annuity Mode",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Madhya Pradesh"]
[null,{"$f":"IF(B21=\"Last survivor Lifetime Income with 50% annuity to Surviving Spouse\",\"Under this annuity option  - \"&D7&\" will be treated as Primary Annuitant and \"&D11&\" will be treated as Secondary Annuitant.\",\"\")","v":""},null,null,null,null,null,null,{"$f":"IF(K9=\"\",\"\",IF(K10<18,\"Minimum Entry Age for Proposer is 18\",IF(K10>99,\"Maximum Entry Age for Proposer is 99\",\"\")))","v":""},null,null,null,null,null,null,null,null,{"$f":"IF(I21=\"Yearly\",\"ann\",IF(I21=\"Half Yearly\",\"hlf\",IF(I21=\"Quarterly\",\"qrt\",\"mth\")))","v":"mth"},null,null,null,null,"Monthly Annuity Amount",null,{"$f":"ROUND(SUMPRODUCT(AB3:AB12,AC3:AC12)*SP,4)","v":6273.6579000000002},null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income with Term Guarantee of 5 Years Option Calculation",null,null,null,null,null,null,null,null,null,null,"Maharashtra",null,"Monthly Annuity Amount",null,{"$f":"ROUND(SUMPRODUCT(BD3:BD12,BE3:BE12)*SP,4)","v":6273.6579000000002},null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income with Term Guarantee of 5 Years Option Calculation",null,null,null,null,null,null,null,null,null,"Monthly Annuity Amount",null,{"$f":"ROUND(SUMPRODUCT(CC3:CC12,CD3:CD12)*SP,4)","v":6273.6579000000002},null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income with Term Guarantee of 5 Years Option Calculation",null,null,null,null,null,null,null,null,null,"Monthly Annuity Amount",null,{"$f":"ROUND(SUMPRODUCT(DB3:DB12,DC3:DC12)*SP,4)","v":6273.6579000000002},null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income with Term Guarantee of 5 Years Option Calculation",null,null,null,null,null,null,null,null,null,"Monthly Annuity Amount",null,{"$f":"ROUND(SUMPRODUCT(EA3:EA12,EB3:EB12)*SP,4)","v":6273.6579000000002},null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income with Term Guarantee of 5 Years Option Calculation"]
[null,"Applicable rate of Goods and Services tax and Cess on the Single Premium",null,null,null,null,null,null,null,null,null,{"$f":"IF(R16=TRUE,\"\",IF(ISNUMBER($T$12),$T$12,0))","v":1.8000000000000002E-2},null,null,null,null,null,null,{"$f":"VLOOKUP($I$21,$P$17:$Q$20,2,0)","v":3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment",null,null,null,null,null,null,null,null,null,"Manipur",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment"]
[null,"Goods and Services tax and Cess payable on the Single Premium",null,null,null,null,null,null,null,null,null,{"$f":"IF(R16=TRUE,\"\",ROUND(IF(ISNUMBER(L21*$T$12),L21*$T$12,0),0))","v":17682},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,null,"Meghalaya",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth"]
[null,"Total Amount of single premium to be paid, inclusive of Goods and Services Tax and cess",null,null,null,null,null,null,null,null,null,{"$f":"IF(R16=TRUE,\"Check any Validations\",SP+L24)","v":1000000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,4,0)","v":7.8E-2},{"$f":"AM25*97%/2","v":3.7829999999999996E-2},{"$f":"AM25*96%/4","v":1.8720000000000001E-2},{"$f":"AM25*95%/12","v":6.1749999999999999E-3},null,null,null,null,null,null,"Mizoram",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,4,0)","v":7.8E-2},{"$f":"BO25*97%/2","v":3.7829999999999996E-2},{"$f":"BO25*96%/4","v":1.8720000000000001E-2},{"$f":"BO25*95%/12","v":6.1749999999999999E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,4,0)","v":7.8E-2},{"$f":"CN25*97%/2","v":3.7829999999999996E-2},{"$f":"CN25*96%/4","v":1.8720000000000001E-2},{"$f":"CN25*95%/12","v":6.1749999999999999E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,4,0)","v":7.8E-2},{"$f":"DM25*97%/2","v":3.7829999999999996E-2},{"$f":"DM25*96%/4","v":1.8720000000000001E-2},{"$f":"DM25*95%/12","v":6.1749999999999999E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,250000,{"$f":"VLOOKUP(Age,'SL_Revised Mar 2021'!$A$3:$G$103,4,0)","v":7.8E-2},{"$f":"EL25*97%/2","v":3.7829999999999996E-2},{"$f":"EL25*96%/4","v":1.8720000000000001E-2},{"$f":"EL25*95%/12","v":6.1749999999999999E-3}]
[null,"Terms and Conditions",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rest of India","Jammu and Kashmir",null,null,null,null,"SP for monthly premium of 1000",null,{"$f":"ROUNDUP(1000/SUMPRODUCT($AB$3:$AB$12,$AC$3:$AC$12),0)","v":156579},null,null,null,null,null,null,null,null,null,null,null,null,500000,{"$f":"AM25*1.0063","v":7.8491400000000003E-2},{"$f":"AM26*97%/2","v":3.8068328999999998E-2},{"$f":"AM26*96%/4","v":1.8837936E-2},{"$f":"AM26*95%/12","v":6.2139025000000001E-3},null,null,null,null,null,null,"Nagaland",null,"SP for monthly premium of 1000",null,{"$f":"ROUNDUP(1000/SUMPRODUCT($AB$3:$AB$12,$AC$3:$AC$12),0)","v":156579},null,null,null,null,null,null,null,null,null,null,null,null,500000,{"$f":"BO25*1.0063","v":7.8491400000000003E-2},{"$f":"BO26*97%/2","v":3.8068328999999998E-2},{"$f":"BO26*96%/4","v":1.8837936E-2},{"$f":"BO26*95%/12","v":6.2139025000000001E-3},null,null,null,null,null,"SP for monthly premium of 1000",null,{"$f":"ROUNDUP(1000/SUMPRODUCT($AB$3:$AB$12,$AC$3:$AC$12),0)","v":156579},null,null,null,null,null,null,null,null,null,null,null,null,500000,{"$f":"CN25*1.0063","v":7.8491400000000003E-2},{"$f":"CN26*97%/2","v":3.8068328999999998E-2},{"$f":"CN26*96%/4","v":1.8837936E-2},{"$f":"CN26*95%/12","v":6.2139025000000001E-3},null,null,null,null,null,"SP for monthly premium of 1000",null,{"$f":"ROUNDUP(1000/SUMPRODUCT($AB$3:$AB$12,$AC$3:$AC$12),0)","v":156579},null,null,null,null,null,null,null,null,null,null,null,null,500000,{"$f":"DM25*1.0063","v":7.8491400000000003E-2},{"$f":"DM26*97%/2","v":3.8068328999999998E-2},{"$f":"DM26*96%/4","v":1.8837936E-2},{"$f":"DM26*95%/12","v":6.2139025000000001E-3},null,null,null,null,null,"SP for monthly premium of 1000",null,{"$f":"ROUNDUP(1000/SUMPRODUCT($AB$3:$AB$12,$AC$3:$AC$12),0)","v":156579},null,null,null,null,null,null,null,null,null,null,null,null,500000,{"$f":"EL25*1.0063","v":7.8491400000000003E-2},{"$f":"EL26*97%/2","v":3.8068328999999998E-2},{"$f":"EL26*96%/4","v":1.8837936E-2},{"$f":"EL26*95%/12","v":6.2139025000000001E-3}]
[null,"1. This is a non unit-linked non-participating annuity plan. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000000,{"$f":"AM25*1.0188","v":7.9466399999999993E-2},{"$f":"AM27*97%/2","v":3.8541203999999996E-2},{"$f":"AM27*96%/4","v":1.9071935999999998E-2},{"$f":"AM27*95%/12","v":6.2910899999999992E-3},null,null,null,null,null,null,"Odisha",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000000,{"$f":"BO25*1.0188","v":7.9466399999999993E-2},{"$f":"BO27*97%/2","v":3.8541203999999996E-2},{"$f":"BO27*96%/4","v":1.9071935999999998E-2},{"$f":"BO27*95%/12","v":6.2910899999999992E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000000,{"$f":"CN25*1.0188","v":7.9466399999999993E-2},{"$f":"CN27*97%/2","v":3.8541203999999996E-2},{"$f":"CN27*96%/4","v":1.9071935999999998E-2},{"$f":"CN27*95%/12","v":6.2910899999999992E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000000,{"$f":"DM25*1.0188","v":7.9466399999999993E-2},{"$f":"DM27*97%/2","v":3.8541203999999996E-2},{"$f":"DM27*96%/4","v":1.9071935999999998E-2},{"$f":"DM27*95%/12","v":6.2910899999999992E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000000,{"$f":"EL25*1.0188","v":7.9466399999999993E-2},{"$f":"EL27*97%/2","v":3.8541203999999996E-2},{"$f":"EL27*96%/4","v":1.9071935999999998E-2},{"$f":"EL27*95%/12","v":6.2910899999999992E-3}]
[null,"2. This illustration is subject to future change in tax rates or any other laws, regulations or guidelines affecting the annuity plans.",null,null,null,null,null,null,null,null,null,null,null,null,null,"Cess",0,0,null,"New Customers",45,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5000000,{"$f":"AM25*1.025","v":7.9949999999999993E-2},{"$f":"AM28*97%/2","v":3.8775749999999998E-2},{"$f":"AM28*96%/4","v":1.9187999999999997E-2},{"$f":"AM28*95%/12","v":6.3293749999999991E-3},null,null,null,null,null,null,"Pondicherry",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5000000,{"$f":"BO25*1.025","v":7.9949999999999993E-2},{"$f":"BO28*97%/2","v":3.8775749999999998E-2},{"$f":"BO28*96%/4","v":1.9187999999999997E-2},{"$f":"BO28*95%/12","v":6.3293749999999991E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5000000,{"$f":"CN25*1.025","v":7.9949999999999993E-2},{"$f":"CN28*97%/2","v":3.8775749999999998E-2},{"$f":"CN28*96%/4","v":1.9187999999999997E-2},{"$f":"CN28*95%/12","v":6.3293749999999991E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5000000,{"$f":"DM25*1.025","v":7.9949999999999993E-2},{"$f":"DM28*97%/2","v":3.8775749999999998E-2},{"$f":"DM28*96%/4","v":1.9187999999999997E-2},{"$f":"DM28*95%/12","v":6.3293749999999991E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5000000,{"$f":"EL25*1.025","v":7.9949999999999993E-2},{"$f":"EL28*97%/2","v":3.8775749999999998E-2},{"$f":"EL28*96%/4","v":1.9187999999999997E-2},{"$f":"EL28*95%/12","v":6.3293749999999991E-3}]
[null,"3. For more details on terms and conditions, please read the sales brochure carefully before concluding a sale.",null,null,null,null,null,null,null,null,null,null,null,null,null,"Base Service Tax",{"$f":"IF(AND(Proposer_Location=\"Foreign Country\",Location=\"NRI\"),0%,IF(AND(Tax_Region=\"Kerala\",Proposer_Location=\"Kerala\"),1.9%,1.8%))","v":1.8000000000000002E-2},{"$f":"IF(AND(Proposer_Location=\"Foreign Country\",Location=\"NRI\"),0%,IF(AND(Tax_Region=\"Kerala\",Proposer_Location=\"Kerala\"),1.9%,1.8%))","v":1.8000000000000002E-2},null,"Existing Pension Plan policyholders of KLI",18,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"5000,000+",{"$f":"AM25*1.03","v":8.0340000000000009E-2},{"$f":"AM29*97%/2","v":3.8964900000000004E-2},{"$f":"AM29*96%/4","v":1.9281600000000003E-2},{"$f":"AM29*95%/12","v":6.3602500000000005E-3},null,null,null,null,null,null,"Punjab",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"5000,000+",{"$f":"BO25*1.03","v":8.0340000000000009E-2},{"$f":"BO29*97%/2","v":3.8964900000000004E-2},{"$f":"BO29*96%/4","v":1.9281600000000003E-2},{"$f":"BO29*95%/12","v":6.3602500000000005E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"5000,000+",{"$f":"CN25*1.03","v":8.0340000000000009E-2},{"$f":"CN29*97%/2","v":3.8964900000000004E-2},{"$f":"CN29*96%/4","v":1.9281600000000003E-2},{"$f":"CN29*95%/12","v":6.3602500000000005E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"5000,000+",{"$f":"DM25*1.03","v":8.0340000000000009E-2},{"$f":"DM29*97%/2","v":3.8964900000000004E-2},{"$f":"DM29*96%/4","v":1.9281600000000003E-2},{"$f":"DM29*95%/12","v":6.3602500000000005E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"5000,000+",{"$f":"EL25*1.03","v":8.0340000000000009E-2},{"$f":"EL29*97%/2","v":3.8964900000000004E-2},{"$f":"EL29*96%/4","v":1.9281600000000003E-2},{"$f":"EL29*95%/12","v":6.3602500000000005E-3}]
[null,"4. Annuity rates shown are indicative and as per the rates available currently. Please check for the applicable rates before concluding the sale.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nominees of deceased KLI pension policyholder",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL25,AM25,IF(SP<$AL26,AM26,IF(SP<$AL27,AM27,IF(SP<$AL28,AM28,AM29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":8.0261063999999993E-2},{"$f":"IF(SP<$AL25,AN25,IF(SP<$AL26,AN26,IF(SP<$AL27,AN27,IF(SP<$AL28,AN28,AN29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":3.8926616039999994E-2},{"$f":"IF(SP<$AL25,AO25,IF(SP<$AL26,AO26,IF(SP<$AL27,AO27,IF(SP<$AL28,AO28,AO29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":1.9262655359999999E-2},{"$f":"IF(SP<$AL25,AP25,IF(SP<$AL26,AP26,IF(SP<$AL27,AP27,IF(SP<$AL28,AP28,AP29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":6.3540008999999993E-3},null,null,null,null,null,null,"Rajasthan",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL25,BO25,IF(SP<$AL26,BO26,IF(SP<$AL27,BO27,IF(SP<$AL28,BO28,BO29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":8.0261063999999993E-2},{"$f":"IF(SP<$AL25,BP25,IF(SP<$AL26,BP26,IF(SP<$AL27,BP27,IF(SP<$AL28,BP28,BP29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":3.8926616039999994E-2},{"$f":"IF(SP<$AL25,BQ25,IF(SP<$AL26,BQ26,IF(SP<$AL27,BQ27,IF(SP<$AL28,BQ28,BQ29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":1.9262655359999999E-2},{"$f":"IF(SP<$AL25,BR25,IF(SP<$AL26,BR26,IF(SP<$AL27,BR27,IF(SP<$AL28,BR28,BR29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":6.3540008999999993E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL25,CN25,IF(SP<$AL26,CN26,IF(SP<$AL27,CN27,IF(SP<$AL28,CN28,CN29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":8.0261063999999993E-2},{"$f":"IF(SP<$AL25,CO25,IF(SP<$AL26,CO26,IF(SP<$AL27,CO27,IF(SP<$AL28,CO28,CO29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":3.8926616039999994E-2},{"$f":"IF(SP<$AL25,CP25,IF(SP<$AL26,CP26,IF(SP<$AL27,CP27,IF(SP<$AL28,CP28,CP29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":1.9262655359999999E-2},{"$f":"IF(SP<$AL25,CQ25,IF(SP<$AL26,CQ26,IF(SP<$AL27,CQ27,IF(SP<$AL28,CQ28,CQ29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":6.3540008999999993E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL25,DM25,IF(SP<$AL26,DM26,IF(SP<$AL27,DM27,IF(SP<$AL28,DM28,DM29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":8.0261063999999993E-2},{"$f":"IF(SP<$AL25,DN25,IF(SP<$AL26,DN26,IF(SP<$AL27,DN27,IF(SP<$AL28,DN28,DN29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":3.8926616039999994E-2},{"$f":"IF(SP<$AL25,DO25,IF(SP<$AL26,DO26,IF(SP<$AL27,DO27,IF(SP<$AL28,DO28,DO29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":1.9262655359999999E-2},{"$f":"IF(SP<$AL25,DP25,IF(SP<$AL26,DP26,IF(SP<$AL27,DP27,IF(SP<$AL28,DP28,DP29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":6.3540008999999993E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL25,EL25,IF(SP<$AL26,EL26,IF(SP<$AL27,EL27,IF(SP<$AL28,EL28,EL29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":8.0261063999999993E-2},{"$f":"IF(SP<$AL25,EM25,IF(SP<$AL26,EM26,IF(SP<$AL27,EM27,IF(SP<$AL28,EM28,EM29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":3.8926616039999994E-2},{"$f":"IF(SP<$AL25,EN25,IF(SP<$AL26,EN26,IF(SP<$AL27,EN27,IF(SP<$AL28,EN28,EN29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":1.9262655359999999E-2},{"$f":"IF(SP<$AL25,EO25,IF(SP<$AL26,EO26,IF(SP<$AL27,EO27,IF(SP<$AL28,EO28,EO29))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":6.3540008999999993E-3}]
[null,"5. After the policy contract is issued, the annuity option chosen and annuity payable is guaranteed for life and cannot be changed",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Members of Superannuation scheme",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sikkim"]
[null,"6. TDS at prevailing rate will be deducted from any amount paid under a life insurance policy subject to the provisions of prevailing tax laws. In case of non-availability of valid PAN, TDS will be deducted at higher rate. \nTax laws are subject to changes from time to time. Kindly consult your tax advisor for tax implication of your policy.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"QROPS Customers",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tamil Nadu"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NPS Customers",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income with Term Guarantee of 10 Years Option Calculation",null,null,null,null,null,null,null,null,null,null,"Telangana",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income with Term Guarantee of 10 Years Option Calculation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income with Term Guarantee of 10 Years Option Calculation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income with Term Guarantee of 10 Years Option Calculation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifetime Income with Term Guarantee of 10 Years Option Calculation"]
[null,"7.Goods and  Services Tax and cess as applicable are levied at applicable Tax rates in accordance with the prevailing Tax Laws. Prevailing tax laws are applicable on this policy which may vary from time to time.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"New Group Customers",45,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment",null,null,null,null,null,null,null,null,null,"Tripura",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Premium Bands","Frequency of Payment"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,500000,{"$f":"AM36*1.0063","v":7.7485100000000001E-2},{"$f":"AM37*97%/2","v":3.7580273499999997E-2},{"$f":"AM37*96%/4","v":1.8596424E-2},{"$f":"AM37*95%/12","v":6.1342370833333331E-3},null,null,null,null,null,null,"West Bengal",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,500000,{"$f":"BO36*1.0063","v":7.7485100000000001E-2},{"$f":"BO37*97%/2","v":3.7580273499999997E-2},{"$f":"BO37*96%/4","v":1.8596424E-2},{"$f":"BO37*95%/12","v":6.1342370833333331E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,500000,{"$f":"CN36*1.0063","v":7.7485100000000001E-2},{"$f":"CN37*97%/2","v":3.7580273499999997E-2},{"$f":"CN37*96%/4","v":1.8596424E-2},{"$f":"CN37*95%/12","v":6.1342370833333331E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,500000,{"$f":"DM36*1.0063","v":7.7485100000000001E-2},{"$f":"DM37*97%/2","v":3.7580273499999997E-2},{"$f":"DM37*96%/4","v":1.8596424E-2},{"$f":"DM37*95%/12","v":6.1342370833333331E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,500000,{"$f":"EL36*1.0063","v":7.7485100000000001E-2},{"$f":"EL37*97%/2","v":3.7580273499999997E-2},{"$f":"EL37*96%/4","v":1.8596424E-2},{"$f":"EL37*95%/12","v":6.1342370833333331E-3}]
[null,"I, __________________________________________________________________(Name), have explained the premiums and benefits under the product fully to the prospect / policyholder ",null,null,null,null,null,null,"I, ___________________________________________________________________(Name), having \nreceived the information with respect to the above, have understood the above statement before entering \ninto the contract ",null,null,null,null,null,null,null,null,null,null,"hlf",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000000,{"$f":"AM36*1.0188","v":7.8447599999999992E-2},{"$f":"AM38*97%/2","v":3.8047085999999994E-2},{"$f":"AM38*96%/4","v":1.8827423999999999E-2},{"$f":"AM38*95%/12","v":6.2104349999999994E-3},null,null,null,null,null,null,"Foreign Country",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000000,{"$f":"BO36*1.0188","v":7.8447599999999992E-2},{"$f":"BO38*97%/2","v":3.8047085999999994E-2},{"$f":"BO38*96%/4","v":1.8827423999999999E-2},{"$f":"BO38*95%/12","v":6.2104349999999994E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000000,{"$f":"CN36*1.0188","v":7.8447599999999992E-2},{"$f":"CN38*97%/2","v":3.8047085999999994E-2},{"$f":"CN38*96%/4","v":1.8827423999999999E-2},{"$f":"CN38*95%/12","v":6.2104349999999994E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000000,{"$f":"DM36*1.0188","v":7.8447599999999992E-2},{"$f":"DM38*97%/2","v":3.8047085999999994E-2},{"$f":"DM38*96%/4","v":1.8827423999999999E-2},{"$f":"DM38*95%/12","v":6.2104349999999994E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000000,{"$f":"EL36*1.0188","v":7.8447599999999992E-2},{"$f":"EL38*97%/2","v":3.8047085999999994E-2},{"$f":"EL38*96%/4","v":1.8827423999999999E-2},{"$f":"EL38*95%/12","v":6.2104349999999994E-3}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annuity",{"$f":"IF(SP<$AL36,AM36,IF(SP<$AL37,AM37,IF(SP<$AL38,AM38,IF(SP<$AL39,AM39,AM40))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":7.9232075999999999E-2},{"$f":"IF(SP<$AL36,AN36,IF(SP<$AL37,AN37,IF(SP<$AL38,AN38,IF(SP<$AL39,AN39,AN40))))*IF(OR($K$11=\"Existing Pension Plan policyholders of KLI\",$K$11=\"Nominees of deceased KLI pension policyholder\",$K$11=\"Members of Superannuation scheme\",$K$11=\"New Group Customers\",$K$11=\"Existing Group Customers\"),101%,1)","v":3.8427556859999996E-2},{"$f":"IF(SP<$AL36,AO36,IF(SP<$AL37,AO37,IF(SP<$AL38,AO38,IF(SP<$AL39,AO39,AO40))))*IF(OR($K$11=\"Existing Pension 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[null,"Date  :  _______________                                            ____________________________________\nPlace : ________________                                                 Signature of Agent /Intermediary/Official ",null,null,null,null,null,null,"Date  : _______________                                                                           \nPlace : _______________                                                   Signature of Prospect  / Policyholder "]
[]
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[null,"Kotak Mahindra Life Insurance Company Limited                                                                                                                                                                                                    ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ann","hlf","qrt","mth"]
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[]
[]
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[]
[]
[]
[]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Premium Band","%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Premium Band","%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Premium Band","%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Premium Band","%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Premium Band","%"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Less than Rs.250,000",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Less than Rs.250,000",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Less than Rs.250,000",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Less than Rs.250,000",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Less than Rs.250,000",0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"250,000 to less than 500,000",6.3E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"250,000 to less than 500,000",6.3E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"250,000 to less than 500,000",6.3E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"250,000 to less than 500,000",6.3E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"250,000 to less than 500,000",6.3E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"500,000 to less than 10,00,000",1.8800000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"500,000 to less than 10,00,000",1.8800000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"500,000 to less than 10,00,000",1.8800000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"500,000 to less than 10,00,000",1.8800000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"500,000 to less than 10,00,000",1.8800000000000001E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"10,00,000 to less than 50,00,000",2.5000000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"10,00,000 to less than 50,00,000",2.5000000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"10,00,000 to less than 50,00,000",2.5000000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"10,00,000 to less than 50,00,000",2.5000000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"10,00,000 to less than 50,00,000",2.5000000000000001E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"50,00,000 & above",0.03,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"50,00,000 & above",0.03,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"50,00,000 & above",0.03,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"50,00,000 & above",0.03,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"50,00,000 & above",0.03]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mode","Annuity Installment (per frequency)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mode","Annuity Installment (per frequency)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mode","Annuity Installment (per frequency)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mode","Annuity Installment (per frequency)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mode","Annuity Installment (per frequency)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Half-yearly","97% of Yearly Annuity x ½",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Half-yearly","97% of Yearly Annuity x ½",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Half-yearly","97% of Yearly Annuity x ½",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Half-yearly","97% of Yearly Annuity x ½",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Half-yearly","97% of Yearly Annuity x ½"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly","96% of Yearly Annuity x ¼",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly","96% of Yearly Annuity x ¼",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly","96% of Yearly Annuity x ¼",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly","96% of Yearly Annuity x ¼",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly","96% of Yearly Annuity x ¼"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly","  95% of Yearly Annuity x 1/12",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly","  95% of Yearly Annuity x 1/12",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly","  95% of Yearly Annuity x 1/12",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly","  95% of Yearly Annuity x 1/12",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly","  95% of Yearly Annuity x 1/12"]

{"sheet":"Modifications","index":2,"n_rows":28,"n_cols":7,"rows_kept":28,"cut":false,"hidden":true,"merged":[]}
["Date","With Effect From","Modified By","Old Version ","New Version","Changes","File Name"]
["2017-10-28",null,"Sriganesh Kumar Sridhar","NA","Nov 17_Ver 1.0","New BI ","Kotak Lifetime Income Plan_107N103V01_Nov 17_Ver 1.0"]
["2017-11-08",null,"Sriganesh Kumar Sridhar","Nov 17_Ver 1.0","Nov 17_Ver 1.0","Added validations for QROPS","Kotak Lifetime Income Plan_107N103V01_Nov 17_Ver 1.1"]
[null,null,null,"Nov 17_Ver 1.1","Nov 17_Ver 1.1","Kotak life name and logo changed","Kotak Lifetime Income Plan_107N103V01_Nov 17_Ver 1.1"]
[null,null,null,"Dec 17_V1.0","Dec 17_V1.0","Verison number changed ","Kotak Lifetime Income Plan_107N103V01_Dec 17_Ver 1.0"]
["2018-10-05",null,"Ritika Khirwadkar","Dec 17_V1.0","Nov 2018 Ver 1.0","Updateing of annuity rates","Kotak Lifetime Income Plan_107N103V02_Oct 2018_Ver 1.0.xlsm"]
["2019-09-27",null,"Ritika Khirwadkar","Nov 2018 Ver 1.0","Nov 2018 Ver 1.1","1. Agents oaction added"]
[null,null,null,null,null,"2. Proposers loaction adedd"]
[null,null,null,null,null,"3. Service tax change for kerala"]
[null,null,null,null,null,"4. QROPS (Existing and new) category added"]
[null,null,null,null,null,"5. Discount to Existing QROPS customer"]
[null,null,null,null,null,"6. If proposers location is \"Foreign country\" then tax is zeo"]
[null,null,null,null,null,"7. Kerala cess considered 1.9%"]
[]
["2019-11-15",null,"K Sandhya","Nov 2018 Ver 1.1","Nov 2019 Ver 1.1","GST for NPS set to 0% in T12"]
[null,null,null,null,null,"Added NPS in T34"]
[null,null,null,null,null,"Changed Conditional formating in I12:L12  - This is to ensure existing customer display is not there if NPS is chosen"]
["2019-12-02",null,"Ritika Khirwadkar","Nov 2018 Ver 1.1","Dec 2019 Ver 1.2","Updated revised annuity rates in sheets ending with Dec 2019.\nUpdated the UIN to V03\nUpdated annuity increase %s for high SP bands in column AM of  Input sheet \nAddded the Location NRI/Resident India and impliacton of same on tax"]
["2020-04-07",null,"Nivedha R","Dec 2019 Ver 1.2","Apr 2020 Ver 1.3","Input Sheet\nSplit the Client Category to NPS - New Customers and NPS - Existing Pension Plan Policyholders of KLI in T34:T35\nIncluded annuity rate discount in the formulas for Annuity rate for all options under NPS - Existing Pension Plan Policyholders of KLI Client Category\nModified K11 for the Client Category dropdown\nModified G9 and I21 for allowing only Monthly annuity payout frequency for NPS Category\n"]
["2020-04-16",null,"Nivedha R","Apr 2020 Ver 1.3","Apr 2020 Ver 1.1","Updated revised annuity rates in sheets ending with Apr 2020.\nUpdated the UIN to V04"]
["2020-04-24",null,"Nivedha R","Apr 2020 Ver 1.1","Apr 2020 Ver 1.2","Updated the tagline basis signed off Pol doc"]
["2020-04-24",null,"Nivedha R","Apr 2020 Ver 1.2","Apr 2020 Ver 1.3","Added Applicable rate of GST and cess on Single premium in cell L23 as per checklist"]
["2020-04-30",null,"Nivedha R","Apr 2020 Ver 1.3","Apr 2020 Ver 1.4","Input Sheet\nModified the formula in T12 such that GST is waived of for NPS Client Category and for QROPS-New Customers Client Category with Proposer Location as Foreign Country\nModIfied the formula in B16 as QROPS was not detected in the validation; This validation was already working fine in Web BI\nModified the spell error in I12 Validation"]
["2020-05-04",null,"Nivedha R","Apr 2020 Ver 1.4","Apr 2020 Ver 1.5","Updated revised annuity rates in sheets ending with May 2020. The rate change made on 16 Apr 2020 become redundant as the rates have been revised before launch.\nInput Sheet:\nModified validation to incorporate addition of NPS - Existing Pension Plan Policyholders of KLI and NPS - New Customers :\nG11,G13,I17,I12"]
["2020-08-19",null,"Nivedha R","Apr 2020 Ver 1.5","Nov 2020 Ver 1.0","Input Sheet\nModified the dropdown in cell K11 to include Group customers and removed QROPs Existing and NPS Existing as required by Mktg\nApplied discount for Group Customers and removed references for NPS Exisiting and QROPS Exisiting\nModified formulas in G9,G11,G13, I12 and I17 to account for Group\nChanged UIN and Ver No"]
["2020-11-03",null,"Sandhya K","Aug 2020 Ver 1.0","Nov 2020 Ver 1.0","Input Sheet:\nReplaced Group Customers with New Group Customers and Existing Group Customers (T34:T35)\nUpdated the validation for ensuring min age is 45 for new group and 18 for existing group (G11:H11)\nUpdated the version no. and w.e.f month"]
["2020-11-03",null,"Sandhya K","Aug 2020 Ver 1.0","Nov 2020 Ver 1.0","Input Sheet:\nUpdated formula in  row 10/20/30/41/52/63/74/85/96 in column AL to AP. This is to ensure the discount % applicable to group customers both new and Iexisting"]
["2020-12-07",null,"Nivedha R","Nov 2020 Ver 1.0","Dec 2020 Ver 1.0","Input Sheet\nUpdated formula in T12 to account for GST in case of Location= Resident India and Client Category - QROPS\nUpdated formula in G13 to revise for Min Entry age for QROPS Spouse age"]

{"sheet":"SL_Revised May 2020","index":3,"n_rows":309,"n_cols":8,"rows_kept":309,"cut":false,"hidden":true,"merged":[]}
["Kotak Lifetime Income - Annuity Rates Applicaple for Purchase Price Less than Rs.2,50,000 and for Annual Mode"]
[]
["Age","Option 1","Option 2","Option 3 ( GT 5)","Option 3 ( GT 10)","Option 3 ( GT 15)","Option 3 ( GT 20)"]
[0,5.3999999999999999E-2,5.2900000000000003E-2,5.3999999999999999E-2,5.3999999999999999E-2,5.3900000000000003E-2,5.3900000000000003E-2]
[1,5.4100000000000002E-2,5.2900000000000003E-2,5.4100000000000002E-2,5.3999999999999999E-2,5.3999999999999999E-2,5.3900000000000003E-2]
[2,5.4100000000000002E-2,5.2900000000000003E-2,5.4100000000000002E-2,5.4100000000000002E-2,5.3999999999999999E-2,5.3999999999999999E-2]
[3,5.4199999999999998E-2,5.2900000000000003E-2,5.4100000000000002E-2,5.4100000000000002E-2,5.4100000000000002E-2,5.3999999999999999E-2]
[4,5.4199999999999998E-2,5.2900000000000003E-2,5.4199999999999998E-2,5.4199999999999998E-2,5.4100000000000002E-2,5.4100000000000002E-2]
[5,5.4300000000000001E-2,5.28E-2,5.4199999999999998E-2,5.4199999999999998E-2,5.4199999999999998E-2,5.4100000000000002E-2]
[6,5.4300000000000001E-2,5.28E-2,5.4300000000000001E-2,5.4300000000000001E-2,5.4199999999999998E-2,5.4199999999999998E-2]
[7,5.4399999999999997E-2,5.28E-2,5.4399999999999997E-2,5.4300000000000001E-2,5.4300000000000001E-2,5.4199999999999998E-2]
[8,5.4399999999999997E-2,5.28E-2,5.4399999999999997E-2,5.4399999999999997E-2,5.4300000000000001E-2,5.4300000000000001E-2]
[9,5.45E-2,5.28E-2,5.45E-2,5.45E-2,5.4399999999999997E-2,5.4399999999999997E-2]
[10,5.4600000000000003E-2,5.2699999999999997E-2,5.4600000000000003E-2,5.45E-2,5.45E-2,5.4399999999999997E-2]
[11,5.4699999999999999E-2,5.2699999999999997E-2,5.4699999999999999E-2,5.4600000000000003E-2,5.4600000000000003E-2,5.45E-2]
[12,5.4800000000000001E-2,5.2699999999999997E-2,5.4800000000000001E-2,5.4699999999999999E-2,5.4699999999999999E-2,5.4600000000000003E-2]
[13,5.4899999999999997E-2,5.2699999999999997E-2,5.4899999999999997E-2,5.4800000000000001E-2,5.4800000000000001E-2,5.4699999999999999E-2]
[14,5.5E-2,5.2699999999999997E-2,5.5E-2,5.4899999999999997E-2,5.4899999999999997E-2,5.4800000000000001E-2]
[15,5.5100000000000003E-2,5.2699999999999997E-2,5.5100000000000003E-2,5.5E-2,5.5E-2,5.4899999999999997E-2]
[16,5.5199999999999999E-2,5.2699999999999997E-2,5.5199999999999999E-2,5.5199999999999999E-2,5.5100000000000003E-2,5.5E-2]
[17,5.5300000000000002E-2,5.2699999999999997E-2,5.5300000000000002E-2,5.5300000000000002E-2,5.5199999999999999E-2,5.5199999999999999E-2]
[18,5.5500000000000001E-2,5.2699999999999997E-2,5.5500000000000001E-2,5.5399999999999998E-2,5.5399999999999998E-2,5.5300000000000002E-2]
[19,5.5599999999999997E-2,5.2699999999999997E-2,5.5599999999999997E-2,5.5599999999999997E-2,5.5500000000000001E-2,5.5399999999999998E-2]
[20,5.5800000000000002E-2,5.28E-2,5.57E-2,5.57E-2,5.5599999999999997E-2,5.5599999999999997E-2]
[21,5.5899999999999998E-2,5.28E-2,5.5899999999999998E-2,5.5899999999999998E-2,5.5800000000000002E-2,5.57E-2]
[22,5.6099999999999997E-2,5.28E-2,5.6099999999999997E-2,5.6000000000000001E-2,5.6000000000000001E-2,5.5899999999999998E-2]
[23,5.6300000000000003E-2,5.2900000000000003E-2,5.62E-2,5.62E-2,5.6099999999999997E-2,5.6099999999999997E-2]
[24,5.6500000000000002E-2,5.2900000000000003E-2,5.6399999999999999E-2,5.6399999999999999E-2,5.6300000000000003E-2,5.62E-2]
[25,5.6599999999999998E-2,5.2900000000000003E-2,5.6599999999999998E-2,5.6599999999999998E-2,5.6500000000000002E-2,5.6399999999999999E-2]
[26,5.6899999999999999E-2,5.2999999999999999E-2,5.6800000000000003E-2,5.6800000000000003E-2,5.67E-2,5.6599999999999998E-2]
[27,5.7099999999999998E-2,5.2999999999999999E-2,5.7000000000000002E-2,5.7000000000000002E-2,5.6899999999999999E-2,5.6800000000000003E-2]
[28,5.7299999999999997E-2,5.3100000000000001E-2,5.7299999999999997E-2,5.7200000000000001E-2,5.7099999999999998E-2,5.7000000000000002E-2]
[29,5.7500000000000002E-2,5.3199999999999997E-2,5.7500000000000002E-2,5.74E-2,5.74E-2,5.7299999999999997E-2]
[30,5.7799999999999997E-2,5.3199999999999997E-2,5.7799999999999997E-2,5.7700000000000001E-2,5.7599999999999998E-2,5.7500000000000002E-2]
[31,5.8000000000000003E-2,5.33E-2,5.8000000000000003E-2,5.8000000000000003E-2,5.79E-2,5.7799999999999997E-2]
[32,5.8299999999999998E-2,5.33E-2,5.8299999999999998E-2,5.8200000000000002E-2,5.8099999999999999E-2,5.8000000000000003E-2]
[33,5.8599999999999999E-2,5.3400000000000003E-2,5.8599999999999999E-2,5.8500000000000003E-2,5.8400000000000001E-2,5.8299999999999998E-2]
[34,5.8900000000000001E-2,5.3499999999999999E-2,5.8900000000000001E-2,5.8799999999999998E-2,5.8700000000000002E-2,5.8599999999999999E-2]
[35,5.9299999999999999E-2,5.3600000000000002E-2,5.9200000000000003E-2,5.91E-2,5.8999999999999997E-2,5.8900000000000001E-2]
[36,5.96E-2,5.3600000000000002E-2,5.96E-2,5.9499999999999997E-2,5.9400000000000001E-2,5.9200000000000003E-2]
[37,0.06,5.3699999999999998E-2,5.9900000000000002E-2,5.9799999999999999E-2,5.9700000000000003E-2,5.9499999999999997E-2]
[38,6.0299999999999999E-2,5.3800000000000001E-2,6.0299999999999999E-2,6.0199999999999997E-2,6.0100000000000001E-2,5.9799999999999999E-2]
[39,6.0699999999999997E-2,5.3900000000000003E-2,6.0699999999999997E-2,6.0600000000000001E-2,6.0400000000000002E-2,6.0199999999999997E-2]
[40,6.1199999999999997E-2,5.3999999999999999E-2,6.1100000000000002E-2,6.0999999999999999E-2,6.08E-2,6.0499999999999998E-2]
[41,6.1600000000000002E-2,5.4100000000000002E-2,6.1600000000000002E-2,6.1400000000000003E-2,6.1199999999999997E-2,6.0900000000000003E-2]
[42,6.2100000000000002E-2,5.4199999999999998E-2,6.2E-2,6.1899999999999997E-2,6.1600000000000002E-2,6.13E-2]
[43,6.2600000000000003E-2,5.4300000000000001E-2,6.25E-2,6.2300000000000001E-2,6.2100000000000002E-2,6.1699999999999998E-2]
[44,6.3100000000000003E-2,5.4399999999999997E-2,6.3E-2,6.2799999999999995E-2,6.25E-2,6.2100000000000002E-2]
[45,6.3600000000000004E-2,5.45E-2,6.3600000000000004E-2,6.3299999999999995E-2,6.3E-2,6.2600000000000003E-2]
[46,6.4199999999999993E-2,5.4600000000000003E-2,6.4100000000000004E-2,6.3899999999999998E-2,6.3500000000000001E-2,6.3E-2]
[47,6.4799999999999996E-2,5.4699999999999999E-2,6.4699999999999994E-2,6.4399999999999999E-2,6.4000000000000001E-2,6.3500000000000001E-2]
[48,6.54E-2,5.4800000000000001E-2,6.5299999999999997E-2,6.5000000000000002E-2,6.4600000000000005E-2,6.4000000000000001E-2]
[49,6.6100000000000006E-2,5.4899999999999997E-2,6.6000000000000003E-2,6.5600000000000006E-2,6.5100000000000005E-2,6.4500000000000002E-2]
[50,6.6799999999999998E-2,5.5E-2,6.6699999999999995E-2,6.6299999999999998E-2,6.5699999999999995E-2,6.5000000000000002E-2]
[51,6.7500000000000004E-2,5.5199999999999999E-2,6.7400000000000002E-2,6.7000000000000004E-2,6.6299999999999998E-2,6.5600000000000006E-2]
[52,6.83E-2,5.5300000000000002E-2,6.8199999999999997E-2,6.7699999999999996E-2,6.7000000000000004E-2,6.6100000000000006E-2]
[53,6.9099999999999995E-2,5.5399999999999998E-2,6.8900000000000003E-2,6.8400000000000002E-2,6.7599999999999993E-2,6.6699999999999995E-2]
[54,7.0000000000000007E-2,5.5500000000000001E-2,6.9800000000000001E-2,6.9199999999999998E-2,6.83E-2,6.7299999999999999E-2]
[55,7.0800000000000002E-2,5.5599999999999997E-2,7.0599999999999996E-2,6.9900000000000004E-2,6.9000000000000006E-2,6.7900000000000002E-2]
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[57,7.2700000000000001E-2,5.5800000000000002E-2,7.2499999999999995E-2,7.17E-2,7.0599999999999996E-2,6.9199999999999998E-2]
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[61,7.7200000000000005E-2,5.62E-2,7.6899999999999996E-2,7.5700000000000003E-2,7.3999999999999996E-2,7.1900000000000006E-2]
[62,7.85E-2,5.6300000000000003E-2,7.8100000000000003E-2,7.6899999999999996E-2,7.4999999999999997E-2,7.2599999999999998E-2]
[63,0.08,5.6300000000000003E-2,7.9500000000000001E-2,7.8100000000000003E-2,7.5999999999999998E-2,7.3300000000000004E-2]
[64,8.1600000000000006E-2,5.6399999999999999E-2,8.1000000000000003E-2,7.9399999999999998E-2,7.6999999999999999E-2,7.3999999999999996E-2]
[65,8.3299999999999999E-2,5.6399999999999999E-2,8.2699999999999996E-2,8.0799999999999997E-2,7.8E-2,7.4700000000000003E-2]
[66,8.5099999999999995E-2,5.6399999999999999E-2,8.4400000000000003E-2,8.2299999999999998E-2,7.9100000000000004E-2,7.5399999999999995E-2]
[67,8.7099999999999997E-2,5.6399999999999999E-2,8.6300000000000002E-2,8.3799999999999999E-2,8.0199999999999994E-2,7.6100000000000001E-2]
[68,8.9200000000000002E-2,5.6399999999999999E-2,8.8300000000000003E-2,8.5400000000000004E-2,8.1299999999999997E-2,7.6799999999999993E-2]
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[72,9.9199999999999997E-2,5.62E-2,9.74E-2,9.2100000000000001E-2,8.5599999999999996E-2,7.9200000000000007E-2]
[73,0.10199999999999999,5.6099999999999997E-2,9.9900000000000003E-2,9.3899999999999997E-2,8.6599999999999996E-2,7.9799999999999996E-2]
[74,0.1051,5.6000000000000001E-2,0.1026,9.5699999999999993E-2,8.7599999999999997E-2,8.0299999999999996E-2]
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[80,0.1268,5.5E-2,0.1207,0.1065,9.2999999999999999E-2,8.2600000000000007E-2]
[81,0.13100000000000001,5.4800000000000001E-2,0.1241,0.1082,9.3700000000000006E-2,8.2900000000000001E-2]
[82,0.13550000000000001,5.45E-2,0.1275,0.1099,9.4399999999999998E-2,8.3199999999999996E-2]
[83,0.1401,5.4300000000000001E-2,0.13100000000000001,0.1116,9.5100000000000004E-2,8.3400000000000002E-2]
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[85,0.15010000000000001,5.3699999999999998E-2,0.13819999999999999,0.1148,9.6199999999999994E-2,8.3799999999999999E-2]
[86,0.15529999999999999,5.3400000000000003E-2,0.1419,0.1163,9.6799999999999997E-2,8.4000000000000005E-2]
[87,0.16089999999999999,5.3100000000000001E-2,0.1457,0.1177,9.7199999999999995E-2,8.4099999999999994E-2]
[88,0.1666,5.2699999999999997E-2,0.14940000000000001,0.1191,9.7699999999999995E-2,8.4199999999999997E-2]
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[92,0.192,5.1200000000000002E-2,0.16489999999999999,0.1241,9.9099999999999994E-2,8.4599999999999995E-2]
[93,0.19900000000000001,5.0799999999999998E-2,0.16880000000000001,0.12520000000000001,9.9400000000000002E-2,8.4699999999999998E-2]
[94,0.20630000000000001,5.04E-2,0.17269999999999999,0.12620000000000001,9.9599999999999994E-2,8.48E-2]
[95,0.214,0.05,0.1767,0.12720000000000001,9.98E-2,8.48E-2]
[96,0.22189999999999999,4.9500000000000002E-2,0.18060000000000001,0.12809999999999999,0.10009999999999999,8.4900000000000003E-2]
[97,0.23019999999999999,4.9000000000000002E-2,0.1845,0.129,0.1003,8.4900000000000003E-2]
[98,0.2389,4.8599999999999997E-2,0.18840000000000001,0.1298,0.1004,8.4900000000000003E-2]
[99,0.24790000000000001,4.8099999999999997E-2,0.1923,0.13059999999999999,0.10059999999999999,8.4900000000000003E-2]
[]
["Sum of Differences",{"$f":"SUM(A106:G205)","v":0}]
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{"sheet":"JL_Revised May 2020","index":4,"n_rows":254,"n_cols":84,"rows_kept":254,"cut":false,"hidden":true,"merged":[]}
["Kotak Lifetime Income (Option 4) - Annuity Rates Applicaple for Purchase Price Less than Rs.2,50,000 and for Annual Mode"]
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[]
["Sum of Differences",null,{"$f":"SUM($A$88:$CF$169)","v":0}]
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[]
["Sum of Differences",null,{"$f":"SUM($A$88:$CF$169)","v":0}]
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["Kotak Lifetime Income - Annuity Rates Applicable for Purchase Price Less than Rs.2,50,000 and for Annual Mode"]
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[22,5.91E-2,5.6000000000000001E-2,5.91E-2,5.8999999999999997E-2,5.8900000000000001E-2,5.8900000000000001E-2]
[23,5.9200000000000003E-2,5.6099999999999997E-2,5.9200000000000003E-2,5.9200000000000003E-2,5.91E-2,5.8999999999999997E-2]
[24,5.9400000000000001E-2,5.6099999999999997E-2,5.9400000000000001E-2,5.9299999999999999E-2,5.9299999999999999E-2,5.9200000000000003E-2]
[25,5.96E-2,5.62E-2,5.96E-2,5.9499999999999997E-2,5.9499999999999997E-2,5.9400000000000001E-2]
[26,5.9799999999999999E-2,5.62E-2,5.9799999999999999E-2,5.9700000000000003E-2,5.9700000000000003E-2,5.96E-2]
[27,0.06,5.6300000000000003E-2,0.06,5.9900000000000002E-2,5.9900000000000002E-2,5.9799999999999999E-2]
[28,6.0199999999999997E-2,5.6300000000000003E-2,6.0199999999999997E-2,6.0199999999999997E-2,6.0100000000000001E-2,0.06]
[29,6.0499999999999998E-2,5.6399999999999999E-2,6.0400000000000002E-2,6.0400000000000002E-2,6.0299999999999999E-2,6.0199999999999997E-2]
[30,6.0699999999999997E-2,5.6500000000000002E-2,6.0699999999999997E-2,6.0600000000000001E-2,6.0499999999999998E-2,6.0400000000000002E-2]
[31,6.0999999999999999E-2,5.6500000000000002E-2,6.0900000000000003E-2,6.0900000000000003E-2,6.08E-2,6.0699999999999997E-2]
[32,6.1199999999999997E-2,5.6599999999999998E-2,6.1199999999999997E-2,6.1100000000000002E-2,6.0999999999999999E-2,6.0900000000000003E-2]
[33,6.1499999999999999E-2,5.67E-2,6.1499999999999999E-2,6.1400000000000003E-2,6.13E-2,6.1199999999999997E-2]
[34,6.1800000000000001E-2,5.6800000000000003E-2,6.1800000000000001E-2,6.1699999999999998E-2,6.1600000000000002E-2,6.1400000000000003E-2]
[35,6.2100000000000002E-2,5.6800000000000003E-2,6.2100000000000002E-2,6.2E-2,6.1899999999999997E-2,6.1699999999999998E-2]
[36,6.25E-2,5.6899999999999999E-2,6.2399999999999997E-2,6.2300000000000001E-2,6.2199999999999998E-2,6.2E-2]
[37,6.2799999999999995E-2,5.7000000000000002E-2,6.2799999999999995E-2,6.2700000000000006E-2,6.25E-2,6.2300000000000001E-2]
[38,6.3200000000000006E-2,5.7099999999999998E-2,6.3200000000000006E-2,6.3E-2,6.2899999999999998E-2,6.2700000000000006E-2]
[39,6.3600000000000004E-2,5.7200000000000001E-2,6.3500000000000001E-2,6.3399999999999998E-2,6.3200000000000006E-2,6.3E-2]
[40,6.4000000000000001E-2,5.7299999999999997E-2,6.3899999999999998E-2,6.3799999999999996E-2,6.3600000000000004E-2,6.3299999999999995E-2]
[41,6.4399999999999999E-2,5.74E-2,6.4399999999999999E-2,6.4199999999999993E-2,6.4000000000000001E-2,6.3700000000000007E-2]
[42,6.4899999999999999E-2,5.7500000000000002E-2,6.4799999999999996E-2,6.4699999999999994E-2,6.4399999999999999E-2,6.4100000000000004E-2]
[43,6.5299999999999997E-2,5.7599999999999998E-2,6.5299999999999997E-2,6.5100000000000005E-2,6.4799999999999996E-2,6.4399999999999999E-2]
[44,6.5799999999999997E-2,5.7700000000000001E-2,6.5799999999999997E-2,6.5600000000000006E-2,6.5299999999999997E-2,6.4799999999999996E-2]
[45,6.6400000000000001E-2,5.7799999999999997E-2,6.6299999999999998E-2,6.6100000000000006E-2,6.5699999999999995E-2,6.5299999999999997E-2]
[46,6.6900000000000001E-2,5.79E-2,6.6799999999999998E-2,6.6600000000000006E-2,6.6199999999999995E-2,6.5699999999999995E-2]
[47,6.7500000000000004E-2,5.8000000000000003E-2,6.7400000000000002E-2,6.7100000000000007E-2,6.6699999999999995E-2,6.6100000000000006E-2]
[48,6.8099999999999994E-2,5.8099999999999999E-2,6.8000000000000005E-2,6.7699999999999996E-2,6.7199999999999996E-2,6.6600000000000006E-2]
[49,6.88E-2,5.8200000000000002E-2,6.8699999999999997E-2,6.83E-2,6.7699999999999996E-2,6.7100000000000007E-2]
[50,6.9500000000000006E-2,5.8299999999999998E-2,6.93E-2,6.8900000000000003E-2,6.83E-2,6.7599999999999993E-2]
[51,7.0199999999999999E-2,5.8400000000000001E-2,7.0000000000000007E-2,6.9599999999999995E-2,6.8900000000000003E-2,6.8099999999999994E-2]
[52,7.0900000000000005E-2,5.8500000000000003E-2,7.0800000000000002E-2,7.0199999999999999E-2,6.9500000000000006E-2,6.8699999999999997E-2]
[53,7.17E-2,5.8599999999999999E-2,7.1499999999999994E-2,7.0900000000000005E-2,7.0099999999999996E-2,6.9199999999999998E-2]
[54,7.2499999999999995E-2,5.8700000000000002E-2,7.2300000000000003E-2,7.17E-2,7.0800000000000002E-2,6.9800000000000001E-2]
[55,7.3400000000000007E-2,5.8799999999999998E-2,7.3200000000000001E-2,7.2499999999999995E-2,7.1499999999999994E-2,7.0400000000000004E-2]
[56,7.4300000000000005E-2,5.8900000000000001E-2,7.3999999999999996E-2,7.3300000000000004E-2,7.22E-2,7.0999999999999994E-2]
[57,7.5200000000000003E-2,5.8999999999999997E-2,7.4999999999999997E-2,7.4099999999999999E-2,7.2999999999999995E-2,7.1599999999999997E-2]
[58,7.6200000000000004E-2,5.91E-2,7.5899999999999995E-2,7.4999999999999997E-2,7.3700000000000002E-2,7.22E-2]
[59,7.7299999999999994E-2,5.9200000000000003E-2,7.6999999999999999E-2,7.5999999999999998E-2,7.46E-2,7.2800000000000004E-2]
[60,7.8399999999999997E-2,5.9200000000000003E-2,7.8E-2,7.6999999999999999E-2,7.5399999999999995E-2,7.3499999999999996E-2]
[61,7.9600000000000004E-2,5.9299999999999999E-2,7.9200000000000007E-2,7.8E-2,7.6300000000000007E-2,7.4099999999999999E-2]
[62,8.09E-2,5.9299999999999999E-2,8.0500000000000002E-2,7.9200000000000007E-2,7.7200000000000005E-2,7.4800000000000005E-2]
[63,8.2299999999999998E-2,5.9400000000000001E-2,8.1799999999999998E-2,8.0399999999999999E-2,7.8100000000000003E-2,7.5499999999999998E-2]
[64,8.3900000000000002E-2,5.9400000000000001E-2,8.3299999999999999E-2,8.1699999999999995E-2,7.9100000000000004E-2,7.6100000000000001E-2]
[65,8.5500000000000007E-2,5.9400000000000001E-2,8.4900000000000003E-2,8.3000000000000004E-2,8.0100000000000005E-2,7.6799999999999993E-2]
[66,8.7400000000000005E-2,5.9299999999999999E-2,8.6699999999999999E-2,8.4400000000000003E-2,8.1100000000000005E-2,7.7499999999999999E-2]
[67,8.9300000000000004E-2,5.9299999999999999E-2,8.8499999999999995E-2,8.5900000000000004E-2,8.2199999999999995E-2,7.8100000000000003E-2]
[68,9.1399999999999995E-2,5.9299999999999999E-2,9.0499999999999997E-2,8.7499999999999994E-2,8.3199999999999996E-2,7.8700000000000006E-2]
[69,9.3700000000000006E-2,5.9200000000000003E-2,9.2499999999999999E-2,8.8999999999999996E-2,8.43E-2,7.9299999999999995E-2]
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[74,0.1072,5.8599999999999999E-2,0.1046,9.7600000000000006E-2,8.9300000000000004E-2,8.2000000000000003E-2]
[75,0.1104,5.8500000000000003E-2,0.1074,9.9400000000000002E-2,9.0300000000000005E-2,8.2500000000000004E-2]
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[80,0.12889999999999999,5.74E-2,0.1226,0.1082,9.4500000000000001E-2,8.4199999999999997E-2]
[81,0.1331,5.7200000000000001E-2,0.126,0.11,9.5200000000000007E-2,8.4500000000000006E-2]
[82,0.1376,5.6899999999999999E-2,0.12939999999999999,0.1116,9.5799999999999996E-2,8.48E-2]
[83,0.14219999999999999,5.6599999999999998E-2,0.13289999999999999,0.1133,9.6500000000000002E-2,8.5000000000000006E-2]
[84,0.14710000000000001,5.6300000000000003E-2,0.13639999999999999,0.1149,9.7100000000000006E-2,8.5199999999999998E-2]
[85,0.15210000000000001,5.6000000000000001E-2,0.14000000000000001,0.11650000000000001,9.7600000000000006E-2,8.5400000000000004E-2]
[86,0.15740000000000001,5.57E-2,0.14369999999999999,0.11799999999999999,9.8100000000000007E-2,8.5500000000000007E-2]
[87,0.16300000000000001,5.5399999999999998E-2,0.14749999999999999,0.11940000000000001,9.8599999999999993E-2,8.5599999999999996E-2]
[88,0.16869999999999999,5.5E-2,0.15129999999999999,0.1208,9.9000000000000005E-2,8.5800000000000001E-2]
[89,0.17469999999999999,5.4699999999999999E-2,0.15509999999999999,0.1221,9.9400000000000002E-2,8.5900000000000004E-2]
[90,0.18090000000000001,5.4300000000000001E-2,0.15890000000000001,0.1234,9.9699999999999997E-2,8.5999999999999993E-2]
[91,0.18740000000000001,5.3900000000000003E-2,0.1628,0.1246,0.1,8.6099999999999996E-2]
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[93,0.20119999999999999,5.3100000000000001E-2,0.1706,0.12690000000000001,0.10059999999999999,8.6199999999999999E-2]
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[95,0.2162,5.2299999999999999E-2,0.1784,0.12889999999999999,0.1011,8.6300000000000002E-2]
[96,0.22409999999999999,5.1900000000000002E-2,0.18229999999999999,0.1298,0.1013,8.6400000000000005E-2]
[97,0.23250000000000001,5.1400000000000001E-2,0.1862,0.13070000000000001,0.10150000000000001,8.6400000000000005E-2]
[98,0.24110000000000001,5.0999999999999997E-2,0.19,0.13150000000000001,0.1017,8.6400000000000005E-2]
[99,0.25019999999999998,5.0500000000000003E-2,0.19389999999999999,0.1323,0.1019,8.6400000000000005E-2]
[]
["Sum of Differences",{"$f":"SUM(A106:G205)","v":0}]
[{"$f":"A4-'[4]New Rates_V06'!A5","v":0},{"$f":"B4-'[4]New Rates_V06'!B5","v":0},{"$f":"C4-'[4]New Rates_V06'!C5","v":0},{"$f":"D4-'[4]New Rates_V06'!D5","v":0},{"$f":"E4-'[4]New Rates_V06'!E5","v":0},{"$f":"F4-'[4]New Rates_V06'!F5","v":0},{"$f":"G4-'[4]New Rates_V06'!G5","v":0}]
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[{"$f":"A6-'[4]New Rates_V06'!A7","v":0},{"$f":"B6-'[4]New Rates_V06'!B7","v":0},{"$f":"C6-'[4]New Rates_V06'!C7","v":0},{"$f":"D6-'[4]New Rates_V06'!D7","v":0},{"$f":"E6-'[4]New Rates_V06'!E7","v":0},{"$f":"F6-'[4]New Rates_V06'!F7","v":0},{"$f":"G6-'[4]New Rates_V06'!G7","v":0}]
[{"$f":"A7-'[4]New Rates_V06'!A8","v":0},{"$f":"B7-'[4]New Rates_V06'!B8","v":0},{"$f":"C7-'[4]New Rates_V06'!C8","v":0},{"$f":"D7-'[4]New Rates_V06'!D8","v":0},{"$f":"E7-'[4]New Rates_V06'!E8","v":0},{"$f":"F7-'[4]New Rates_V06'!F8","v":0},{"$f":"G7-'[4]New Rates_V06'!G8","v":0}]
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[{"$f":"A9-'[4]New Rates_V06'!A10","v":0},{"$f":"B9-'[4]New Rates_V06'!B10","v":0},{"$f":"C9-'[4]New Rates_V06'!C10","v":0},{"$f":"D9-'[4]New Rates_V06'!D10","v":0},{"$f":"E9-'[4]New Rates_V06'!E10","v":0},{"$f":"F9-'[4]New Rates_V06'!F10","v":0},{"$f":"G9-'[4]New Rates_V06'!G10","v":0}]
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[{"$f":"A13-'[4]New Rates_V06'!A14","v":0},{"$f":"B13-'[4]New Rates_V06'!B14","v":0},{"$f":"C13-'[4]New Rates_V06'!C14","v":0},{"$f":"D13-'[4]New Rates_V06'!D14","v":0},{"$f":"E13-'[4]New Rates_V06'!E14","v":0},{"$f":"F13-'[4]New Rates_V06'!F14","v":0},{"$f":"G13-'[4]New Rates_V06'!G14","v":0}]
[{"$f":"A14-'[4]New Rates_V06'!A15","v":0},{"$f":"B14-'[4]New Rates_V06'!B15","v":0},{"$f":"C14-'[4]New Rates_V06'!C15","v":0},{"$f":"D14-'[4]New Rates_V06'!D15","v":0},{"$f":"E14-'[4]New Rates_V06'!E15","v":0},{"$f":"F14-'[4]New Rates_V06'!F15","v":0},{"$f":"G14-'[4]New Rates_V06'!G15","v":0}]
[{"$f":"A15-'[4]New Rates_V06'!A16","v":0},{"$f":"B15-'[4]New Rates_V06'!B16","v":0},{"$f":"C15-'[4]New Rates_V06'!C16","v":0},{"$f":"D15-'[4]New Rates_V06'!D16","v":0},{"$f":"E15-'[4]New Rates_V06'!E16","v":0},{"$f":"F15-'[4]New Rates_V06'!F16","v":0},{"$f":"G15-'[4]New Rates_V06'!G16","v":0}]
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[{"$f":"A18-'[4]New Rates_V06'!A19","v":0},{"$f":"B18-'[4]New Rates_V06'!B19","v":0},{"$f":"C18-'[4]New Rates_V06'!C19","v":0},{"$f":"D18-'[4]New Rates_V06'!D19","v":0},{"$f":"E18-'[4]New Rates_V06'!E19","v":0},{"$f":"F18-'[4]New Rates_V06'!F19","v":0},{"$f":"G18-'[4]New Rates_V06'!G19","v":0}]
[{"$f":"A19-'[4]New Rates_V06'!A20","v":0},{"$f":"B19-'[4]New Rates_V06'!B20","v":0},{"$f":"C19-'[4]New Rates_V06'!C20","v":0},{"$f":"D19-'[4]New Rates_V06'!D20","v":0},{"$f":"E19-'[4]New Rates_V06'!E20","v":0},{"$f":"F19-'[4]New Rates_V06'!F20","v":0},{"$f":"G19-'[4]New Rates_V06'!G20","v":0}]
[{"$f":"A20-'[4]New Rates_V06'!A21","v":0},{"$f":"B20-'[4]New Rates_V06'!B21","v":0},{"$f":"C20-'[4]New Rates_V06'!C21","v":0},{"$f":"D20-'[4]New Rates_V06'!D21","v":0},{"$f":"E20-'[4]New Rates_V06'!E21","v":0},{"$f":"F20-'[4]New Rates_V06'!F21","v":0},{"$f":"G20-'[4]New Rates_V06'!G21","v":0}]
[{"$f":"A21-'[4]New Rates_V06'!A22","v":0},{"$f":"B21-'[4]New Rates_V06'!B22","v":0},{"$f":"C21-'[4]New Rates_V06'!C22","v":0},{"$f":"D21-'[4]New Rates_V06'!D22","v":0},{"$f":"E21-'[4]New Rates_V06'!E22","v":0},{"$f":"F21-'[4]New Rates_V06'!F22","v":0},{"$f":"G21-'[4]New Rates_V06'!G22","v":0}]
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["Kotak Lifetime Income (Option 4) - Annuity Rates Applicable for Purchase Price Less than Rs.2,50,000 and for Annual Mode"]
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[]
["Sum of Differences",null,{"$f":"SUM($A$88:$CF$169)","v":0}]
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{"sheet":"JL_50%_Revised Mar 2021","index":9,"n_rows":169,"n_cols":86,"rows_kept":169,"cut":false,"hidden":true,"merged":[[1,2,1,9],[6,1,36,1]]}
[null,null,"Kotak Lifetime Income (Option 5)- Annuity Rates Applicable for Purchase Price Less than Rs.2,50,000 and for Annual Mode"]
[null,null,"Age of Secondary Annuitant"]
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[null,null,"Sum of Differences",null,{"$f":"SUM(C88:CH169)","v":0}]
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["Kotak Lifetime Income (Option 6) - Annuity Rates Applicable for Purchase Price Less than Rs.2,50,000 and for Annual Mode"]
[]
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[]
["Sum of Differences",null,{"$f":"SUM($A$88:$CF$169)","v":0}]
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