Gratuity by Vinpro

Discount 6.96%: AS 15 (R) para 78 — market yield on government bonds matching term of liability (Armstrong used FBIL curve).
Salary 6.25%: long-term best estimate reflecting inflation, career progression and productivity (entity best estimate, mutually compatible with discount).
Attrition 10% graded: company experience judgment; graded lower near retirement.
IALM 2012-14: standard Indian assured lives table for in-service mortality.
ERA 6.78%: prior-period discount used as expected return on plan assets for AS-15 interest netting.

Standalone demo — KGK Jet India (mock client). Invite-style gate for this preview.

Demo logins (static preview, not production auth):
admin@vinpro.co.in / VinproAdmin!2026
client@kgk.demo / KgkDemo!2026

Management valuation for draft notes — not an IAI APS-27 signed actuarial certificate.

Management valuation for draft notes — not an IAI APS-27 signed actuarial certificate. Armstrong APS-27 figures shown for comparison only. DOB/DOJ synthesised for demo (see Data & caveats).

KGK Jet India Private Limited

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