Reliance Nippon Moneyback plan – Investment plan – Suggestion

Hello Sreekanth, Can you please review this Reliance Nippon Moneyback plan, also I would like to request, If you can make one excel where we are able to calculate this type money back plant returns. I did one calculation at my end as below: The reliance team is offering return sum of Rs. 25,04,740 /- (between 11th to 15th year) with a  investment of Rs. 1,05,000 / annum for 10 years. The calculation is as follows: Rs. 1,05,000/year (Including GST) x 10 yrs  = 16,33,830 (9.5% annual compound interest) From 11th year to 14th year return receives = Rs. 1,36,623 /- year On 15th year return would be Rs. 10,47,000 /-  + Final base sum Rs. 9,10,000 /- on 16th year 1st month.  It comes as 10% ROI, they are earning on balance amount each year i.e., 16,33,830 - 1,36,623 = 14,97,208 (Balance on 11th year) Can you please review if this calculation is right or wrong ? I am considering this as investment plan only although they are offering Insurance along with it. Insurance is not my aim but firm moneyback. Thanks, Manish