Roti, Kapada Aur Makaan Are Back Again!! • RoboAdviso | Best Blog for Mutual Fund and Investment in India

Roti, Kapada Aur Makaan Are Back Again!!

Roboadviso     Financial Planning     Posted On, Fri 18th March, 2016     1 comment

Roti, Kapada Aur Makaan Are Back Again

Roboadviso will tell you about new Roti (SIP), Kapada (Medical Insurance) & Makaan (Term Insurance)


We all must have seen this Super hit Bollywood flick (1974) “Roti Kapada Aur Makaan” starring Manoj Kumar. After 42 years, it seems that these three have become more relevant again but their meaning has surely changed. Earlier these three – Food, Clothing and Shelter were not that expensive. Now, things have become extremely expansive, especially the home.

However, assuming if you have all these three, it doesn’t mean you will be able to fulfill your family goals and protect your family. In this article, Roboadviso will guide you about 3 must have essentials – Roti (SIP), Kapada (Medical Insurance) & Makaan (Term Insurance).

Roti – Mutual Fund SIP


Regular savings is the first essential to plan for your long term goals. The simple solution is to invest in mutual funds which are safe for long term. In the below table, we have presented an analysis – One is lumpsum investment of Rs 1 Lakh – 5 years ago, 10 years ago and 15 years ago in Franklin India Prima Plus Fund. Secondly, in similar fund, there was a monthly SIP of Rs 2,000 for 5 years, 10 years & 15 years:


The result is you get higher annualized return only in mutual funds. In above case it is minimum 14% and maximum 22%. So, for long term, always avoid PPF, ULIPS, LIC Policies, fixed deposits and even, direct equity shares.

Kapada – Medical Insurance


The second essential thing is to protect yourself and your family from a medical emergency. The hospital bills can be big deterrent on your savings. This whole unseen expenditure can be avoided by buying a medical insurance policy for your family. The below table gives an idea about premium amount (for sum assured Rs 3 Lakhs) for 2 adult and single adult for three age groups:


You should still buy one even if it is provided by your employer.

Makaan – Term Insurance


The last but not the least is the plan for your family if something happens to you. You must buy a term insurance policy (pure life insurance policy) which is the cheapest form of life insurance that provides full financial coverage to your family at the time of your death. The below table tells about the annual premium for sum assured of Rs 1 Crore at different age groups for smokers and non-smokers:


To help you plan specifically in your case, please visit RoboAdviso at or contact us at or 9015615190.


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