Let's begin by considering this investment illustration... 64K per quarter if you invest only Rs. 10 lakh! For six years! That's like 16% a year! (You only get 64K per quarter for 6 years, and no principal is returned at the end) But here's what it really is. If you are an investor looking for capital appreciation (you don't need the cash flow) then you just put the money in, and see how much you get at the end of 6 years . . .