Considering a 4 card setup mining ZEC
Equipment cost = INR 1,00,000/-
Power consumption = INR 3,000/month
ZEC earned = INR 9,000/month
Monthly earning = INR 6,000/month
considering a 12% interest on initial investment it will take 18 months for ROI if difficulty and ZEC/INR rates remain stable.
please correct if I have miscalculated anywhere.
Zcash Profits would be around $3 per day at today's rates which comes to about $90 per month, so you calculations are pretty accurate (slightly lower for Eth).
Mining profits have crashed drastically over the past couple of weeks, and it does not look like a sound investment anymore, I would not recommend getting into the mining game right now.
However I am hopefull that Ether price will recover from the rock bottom it has hit. Zcash may not, but with block rewards growing it can gain profitability nonetheless. A lot of people are buying these coins right now betting on their future. Lets see if things improve in the next couple of months.