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Sr, No. of Question PaPer:
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Unique Paper Code : 52413504
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Name of the Paper : Personal Financc
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Name of the Course : B.Com. CBCS
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Semester :V
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Instructions for Candidates
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2. Attempt All Questions.
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(z ) 4. Use of simple calculator is allowed.
5 ffitr+eif tffi*aqtrftrqP"qQ ftfrS: (s*s=ts) 5. Answers may be writte n either in English or Hindi;
(a) on *u but the same medium should be used throughout thc
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(a) "Effective rateof interest and nominal rale of
zn
interest are factors to be considered while
understanding the impact of time value of money (t) rffi v< ffiR+t frasr nern- i t vo d frisr
on investment decisions" Explain the statement in fii tri G-{R at tft lr y<rq t G frft+o sP P.*
the context of importance of time value of money 6r Tsr6{ dfils slh ffi gm o1 rare €ftqr
in financial planning. (8) (a)
Rclrrnr Probabrlit\ A Probabrlrt\ B

(b) "A sound iinancial planning is based on realistically 010 0 t5

t0 020 0.20
attainable financial goals". Explain the importance
1l 0 15 0.25
and principle of financial planning in the light of 2,1 0.10 0. t-i
given statement (7) 2r) 0.25 0.25

()r (E) tfr sroR trsr ufu g.* erdri t{qr i- 3{il{ Efffrsl
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(c) "Managing the spending is an important component
of financial planning". Elucidate lhe statement. 4. (:r) ftrdR& x, Y Bfu Z qr ftrt ft ules{ tA ftqr

(8)
rrqr Q-&Frd x, y oil( Z d *qq: 6oyo, zsyo
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(d) E-banking and internet banking are often confused

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qt snurRa i"r frs rrs o-++ * snfrq t ffi Fr+il{ with each other but are the same or difTerent"
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2. (a) "Risks and return have a trade-off relationship"'
(r) "q.r 6r rdtm E'frq fffrw+ qr g* tr<cqt qr+ *" r
Explain this in the context of its impact oll
qq+ d sq frfrv r (s) investment decisions. (8)

(E) t-AB'Ir ifu ?rrfuAfuT 3rtrr r'6-(R * sr"{ trR-d (b) Differentiate between term tax avoidance and tax
ek{ fi' rqm qr &r r I evasion. 0)
frs Gr+ e + srqefivnq
qnqr *fusr (z ) C)r

(c) The general or non-life insurance market in India

(sr) "frfte't sfuqr trgtar+rt. (trade-off) teu l"r
ffi
2
has grown with leaps and bound in the past few
Fnn Frffi^.. qt fc* cr{rE + a"si } grfr qrrqt years. Comment. (8)
dBsr (a)
(d) Keeping in view the needs of poor pcoplc of lndia
(") enE qt irrfi{ d{ ct srra++ t 3561 sq dfrvt government of India Itavc also introduced few
(z ) governments' pension plans. Explain. (7)

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(a) Calculate required rate of return on shares on the
(sr) qna t qmrq qt rt<-ff++ &qr srqn * M EF, str
3

basis of lollowing information

t 6rft1 rrrR di ?r f2lqff dftsr (s)
Risk free rate of return 77o

(<) rnra a rrfu fti' d s1 csri tqm t r€e Ec qr.d Market Rale of Return l57o
tc+n I E-o {.fit trm M rt Er d ir a+rr*r
A, B' C and D are
Beta value of four shared
frBsr (z)
-0.30,2, 1.5 and 0.7 respectively (8)

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(b) tixplain different types of rnutual funds available (b) Systematic and unsystematic risk are part of every
in Indian market. (7) portfolio and can only be reduced up to an extent.
Comm€nt on the statement. (7)
Or
Or
(c) Mrs. X is considering in investing one of the
following investment proposals. Evaluate risk and (c) "Commodity derivatives are growing as one ofthe
returns associated with proposal and advise Mrs. popular investment tools. Explain the statement in
x. (8) the context of Indian commodity market. (8)
Rctunr P11)bxbilit\ A t"ohrl)ilil\ ll
(d) "Reverse mortgage can be a good source of regular
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llr 0t0 0l0 income still its unpopular in India. Explain. (7)
I] 0 t5 0 25

l_i 0.10 l Write short note on any three of the following :

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(a) Car Loan
(d) Differentiate Capital market line and sec u rity (b) E-Banking
rnarket l ine. (7) (c) Digital Wallet
(d) Credit Card Cloning
4 (a) The return and risk on security X, Y and Z are
(e) Beta
given below. The portfolio is in the proportion of
600/,,25oh and l5% of X, Y and Z respectively (f) Property Insurance (J x 3= 15)

Sccunl\ Iirpcctcd Rotunr Risk

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l(l'1, 5,,ri, t. (sr) "friv Frolqt^ rr ${ + rtq 1a * wr< q,,l ffifli

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Find expected return and risk of portfolio if Beta
is 0.4 (8)
+ {<{ + Es 6T{ fr qrrqr dfrqr (a)

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