Anil Rattan
Invest in mutual funds
& life insurance
APay a very small amount of premium
BPay premium for a very small period
With lifetime pension
+ maturities
Free advice on a life insurance policy you already hold
A goal, not a guarantee. Mutual funds carry market risk. Pension and maturity benefits depend on the policy terms.
For 28 years Anil has planned life insurance and mutual funds together, then laid the result out one year at a time, so a family can see the whole arrangement before committing to it. He explains each part before anything is signed.
Most families want two things from their money: the security of knowing their loved ones are protected, and the confidence that their savings are quietly growing for the years ahead. Anil’s work brings those two goals into a single plan.
The curious part is how the two pieces fit. Life insurance looks after protection: if something happens, the family is covered. Mutual funds look after growth: money set aside for the long run, with the chance to grow. When both are laid out on the same page, year by year, you can see at a glance what you pay, when you stop paying, and what the illustration shows coming back over the years.
Already have a policy and something about it is unclear? Anil will sit down and go through it with you. That advice is free.
Every plan starts with how you would like to pay. Choose one to read more.
The premium is a very small amount. The plan is built so that what you pay each time stays modest and easy to keep up, which matters far more over the years than an ambitious figure you struggle to sustain.
The premium is paid for a very short period. You put in your contributions over a limited number of years, and once those years are complete, nothing more is due from you.
Whichever way suits you, Anil then looks at what the plan gives back: a lifetime pension, and the amounts that mature over the life of the policy.
Rs 320 a day, for 12 years, towards a crore.
This is one life insurance illustration, and the premium in it also qualifies for a tax rebate. It is an example of how the numbers can come together, not a promise. Life insurance benefits depend on the terms of the policy, and mutual funds are subject to market risk.
The year-by-year sheet shows a mutual fund and life insurance plan the way Anil explains it across the table: what is paid each year, when the payments stop, and what comes in after that. It is built from real worked examples, and it works nicely on a phone, too.
It is an illustration to help you understand the shape of a plan. It is not a quote.
These figures come straight from the Reserve Bank of India’s October 2026 monetary policy. They are shared for context, so you can see the backdrop against which savings and insurance decisions are being made. They are not a forecast from this office.
7 October 2026
The Monetary Policy Committee voted unanimously to raise the policy repo rate by 25 basis points to 5.50 per cent. The standing deposit facility rate is 5.25 per cent. The marginal standing facility rate and the bank rate are 5.75 per cent.
Reserve Bank resolution
7 October 2026
Real GDP growth for 2026–27 is projected at 7.1 per cent. The second quarter is put at 7.2 per cent, the third at 6.9, and the fourth at 6.8.
Reserve Bank resolution
7 October 2026
CPI inflation for 2026–27 is projected at 5.2 per cent. The third quarter is put at 6.0 per cent, and the fourth at 5.7.
Reserve Bank resolution
21 October 2026
The stance is calibrated tightening. The resolution says a later step can only be a rate hike or a pause. Two members preferred to keep the stance neutral. The next meeting is 2 to 4 December 2026.
Committee minutesThere is no rush. Send a WhatsApp message or an email whenever it suits you. If your question is about a life insurance policy you already hold, the advice is free.
