Your Team, Projected Like a Business
Present book + fresh business every month + salary hikes + insurance cross-sell — the complete firm P&L
Team & Book
The book your team already services today
NEW monthly SIPs each RM registers per month — they stack up and keep running (₹50k/mo fresh = ₹30L/mo running book per RM after 5 yrs)
Fresh lumpsum each RM brings per YEAR
95% = 5% of the book redeems/leaves each year
People Costs
Yearly increment on RM salaries
Variable payout on the MF trail the team generates
Office, compliance, software — everything beyond RM seats
Cross-Sell (per RM / year)
Fresh insurance premium each RM places per year, and the commission % earned on it
Team matures → more insurance business each year
From ₹15.00 Cr today
Trail ₹53.85 L + Ins. ₹14.86 L
Margin 23.1%
On ₹15.29 Cr AUM each
Revenue Build-Up vs Costs
MF trail + insurance stacked, against total team cost (salaries with 10% hikes, incentives, overhead at 7% inflation)
Year-by-Year Firm P&L
5 RMs · ₹50,000/mo SIP + ₹25.00 L/yr lumpsum each
| Year | Firm AUM | MF Trail | Insurance | Salaries | Incent.+OH | Net | Margin |
|---|---|---|---|---|---|---|---|
| Yr 1 | ₹19.37 Cr | ₹14.10 L | ₹10.15 L | ₹18.00 L | ₹14.82 L | -₹8,56,699 | -35.3% |
| Yr 2 | ₹27.59 Cr | ₹19.26 L | ₹11.16 L | ₹19.80 L | ₹16.69 L | -₹6,06,386 | -19.9% |
| Yr 3 | ₹39.77 Cr | ₹27.55 L | ₹12.28 L | ₹21.78 L | ₹19.25 L | -₹1,19,645 | -3.0% |
| Yr 4 | ₹56.02 Cr | ₹39.05 L | ₹13.51 L | ₹23.96 L | ₹22.51 L | ₹6.09 L | 11.6% |
| Yr 5 | ₹76.45 Cr | ₹53.85 L | ₹14.86 L | ₹26.35 L | ₹26.50 L | ₹15.86 L | 23.1% |
How to read this: MF trail is the compounding engine — it grows every year even if the team never improves, because the book itself compounds. Insurance cross-sell is the cash-flow engine — it pays upfront and cushions the early years while the trail base builds. A team that does both breaks even years earlier than a trail-only desk.
Trail commission rates are indicative and vary by AMC, scheme, and plan type. Actual trail income depends on the specific schemes distributed and is subject to change by AMCs.
Insurance commission rates vary by insurer, product and category — the rates entered here are your own assumptions. Insurance distribution is subject to IRDAI regulations and requires applicable licences.
This tool is for internal business planning purposes only. Not for public distribution or client-facing use.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance does not guarantee future returns.