You can calculate this with the RATE function by filling its five fields — Nper (number of periods - 12), Pmt (periodic investment – 5000 with a minus sign), Pv (present value – 0), Fv ...

NPV = 0 = — PV of Rs 10,000 + PV of Rs 5,250 + PV of Rs 5,512 = — 10000 + 5250 / (1 + IRR) 1+ 5512 / (1 + IRR) 2 Any future premiums to be paid can be included by discounting them at the IRR ...