Systematic Investment Plan (SIP) Calculator

Disclaimer: Please note that this calculator is for illustrations only and do not represent actual returns. Mutual Funds do not have a fixed rate of return and it is not possible to predict the rate of return.
*Mutual fund investments are subject to market risks. Please read the prospectus carefully before investing.

Calculate your expected returns below by entering the amount you want to invest, tenure of investment and the expected rate of return.

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Terms & Conditions For Recurring Systematic Investment Plans (RSIP) of Lumbini Investment company Ltd.

 

  1. General Terms

These Terms and Conditions apply to all savings and fixed deposit account holders of Lumbini Investment company Ltd.

  • hereafter referred to as “Lumbini Investment company Ltd. Systematic Investment Plan.”
  • By opening a Recurring Investment account, the Investor agrees to abide by these terms and any future amendments made by the Lumbini Investment company Ltd.
  1. Eligibility to become Investor to this Investment plan
  • Only registered members of the Lumbini Investment company Ltd. are eligible to open Recurring Investment Account in our company.
  • Valid proof of identity, address, and membership must be submitted during account opening.
  1. Recurring Systematic Investment Plan Terms:
  • Minimum Balance for investment account: ₹500.00 must be maintained at all times.
  • Guarantee annual Return Rate: 8 % per annum, subject to change as Lumbini Investment company Ltd policy.
  • Withdrawals:
    • Maximum of 90% of Investment only permitted to withdrawals per month.
    • Withdrawals beyond the limit may incur a service charge. of 3%
  • Deposits: Can be made any day during working hours of company office.
  • Inactive Accounts: Accounts with no activity for 6 months may be marked as inactive. account.
  1. Fixed Investment or Guarantee Return (FIGR) Terms
  • Minimum Deposit: ₹ 1000.00
  • Tenure Options: 6 months to 5 years.
  • Return Rates:
    • 6 months – 8%
    • 1 year – 10%
    • 2 years – 11%
    • 3+ years – 12% (or as per latest circular)
  • Premature Withdrawal:
    • Allowed after 3 months with 4% penalty on investment amount.
  • Auto-Renewal:
    • Optional. If not instructed otherwise, FIGR will auto-renew for the same tenure at prevailing rates.
  • Nomination: Members may nominate a beneficiary for their FIGR.
  • Withdrawal Policy:  Investor should return investment card for FIGR Plan while withdrawal of Investment with Guarantee Return on principal amount. with deduction or capital gain tax on return of 5% as per government norms.
  1. 2x Return Investment Plan:
  • Minimum Deposit: ₹ 10000.00
  • Tenure Options: 5 years.
  • Return amount: ₹ 20000.00
  • Premature Withdrawal:
    • Allowed after 3 years with 4% penalty on investment amount.
  • Auto-Renewal:
    • Optional. If not instructed otherwise, FIGR will auto-renew for the same tenure at prevailing rates.
  • Nomination: Members may nominate a beneficiary for their FIGR.
  • Withdrawal Policy:  Investor should return investment card for FIGR Plan while withdrawal of Investment with Guarantee Return on principal amount. with deduction or capital gain tax on return of 5% as per government norms.