Equity + Debt Projection

How fast does this corpus scale?

Starting with Rs 2.6 Cr in equity and Rs 1.05 Cr in debt, adding Rs 2.4L per month to equity, Rs 1.1L per month to debt, and another Rs 7L per month from RSU sales into equity, the deterministic path reaches Rs 4 Cr, Rs 5 Cr, Rs 6 Cr, and then Rs 12 Cr quickly.

Projected corpus over time

Solid line: deterministic base case. Shaded band: Monte Carlo 10th to 90th percentile. Dashed line: Monte Carlo median. Contributions are assumed to land at month-end and returns compound monthly.

Horizon: 10 years

Deterministic path Monte Carlo 10-90% Monte Carlo median

Deterministic milestones

Based on 10% equity growth and 6% debt growth.

Base case

Monte Carlo snapshot

Seeded simulation using India volatility proxies.

8,000 paths

Assumptions used

Starting corpus: Rs 2.6 Cr equity and Rs 1.05 Cr debt.
Monthly additions: Rs 2.4L to equity, Rs 7L from RSU sales to equity, and Rs 1.1L to debt.
Base growth rates: 10% annual for equity and 6% annual for debt.
Monte Carlo volatilities: Nifty 50 TR annualized volatility of 22.25% since inception, and about 2.28% for the Nifty 10 yr Benchmark G-Sec clean price on a 1-year basis.
Equity and debt shocks are treated as independent in the simulation.

Sources

The Monte Carlo model is illustrative, not a forecast. Historical volatility can shift meaningfully across market regimes and debt schemes.