Aishwarya Gupta, a 30-year-old marketing professional, lives in Noida with wife Garima Singh (29), a teacher, and his dependent mother, Ekta. The couple does not have kids but will be planning for a baby in the next three years. Together, they bring a net monthly salary of ₹80,000 and expect it to rise 15 per cent annually. Their assets include ₹1.10 lakh in EPF balance, fixed deposits of ₹50,000, an investment of ₹57,000 in equity and balanced mutual funds, ₹5 lakh in gold, a bank balance of ₹1 lakh and Gupta’s ancestral property worth ₹1 crore, which might be sold to purchase a property in Delhi-NCR. They have also taken a car loan and pay an EMI of ₹11,334. Gupta has purchased a term plan of ₹1 crore for which…