look as u stated
10% of 1,325,000/- = 1,32,500/-
1% of 1,325,000/- = 13,250/-
Documents = let it be 80,000/-
ONE installment = 34,400/-
Total = 2,60,150/-
Your demand = 6,25,000/-
- 2,60,150/-
3,64,850/-
Now can u justify ur demand? Insurance of Xli cant b RS 364850 per year. Be realistic Please.....:S