PMCC 3 Year — Nitya Balance Plan @ 7%
Save More, Grow Safely — a 3-year rebate-benefit investment plan at 7%
About this product
The PMCC 3 Year — Nitya Balance Plan is a disciplined savings and investment product offering a fixed 7% return over a 3-year tenure, with flexible contribution modes — Monthly, Half-Yearly, and Yearly. Investors can start with as little as ₹500 per month and scale up to ₹10,000 per month or more.
A key feature of the plan is its rebate benefit: choosing the Half-Yearly or Yearly payment mode reduces the effective investment required, since PMCC applies a rebate that isn't available on the Monthly mode. For example, a ₹10,000/month commitment paid Yearly requires an effective investment of only ₹3,49,200 (a saving of ₹10,800) against the same ₹3,60,000 required under the Monthly mode — while still maturing to the same estimated ₹4,32,000, delivering a higher net profit of ₹82,800 compared to ₹38,000 on the Monthly mode.
The plan is designed to reward payment discipline and upfront commitment, making it suited for individuals who want predictable, assured returns with the flexibility to choose how frequently they invest.
| Monthly Investment | Mode | Effective Investment | Rebate Benefit | Est. Maturity | Net Profit |
|---|---|---|---|---|---|
| ₹500 | Monthly | ₹18,000 | — | ₹19,900 | ₹1,900 |
| ₹500 | Half-Yearly | ₹17,640 | ₹360 Saved | ₹20,800 | ₹3,160 |
| ₹500 | Yearly | ₹17,460 | ₹540 Saved | ₹21,600 | ₹4,140 |
| ₹1,000 | Monthly | ₹36,000 | — | ₹39,800 | ₹3,800 |
| ₹1,000 | Half-Yearly | ₹35,280 | ₹720 Saved | ₹41,600 | ₹6,320 |
| ₹1,000 | Yearly | ₹34,920 | ₹1,080 Saved | ₹43,200 | ₹8,280 |
| ₹2,000 | Monthly | ₹72,000 | — | ₹79,600 | ₹7,600 |
| ₹2,000 | Half-Yearly | ₹70,560 | ₹1,440 Saved | ₹83,200 | ₹12,640 |
| ₹2,000 | Yearly | ₹69,840 | ₹2,160 Saved | ₹86,400 | ₹16,560 |
| ₹5,000 | Monthly | ₹1,80,000 | — | ₹1,99,000 | ₹19,000 |
| ₹5,000 | Half-Yearly | ₹1,76,400 | ₹3,600 Saved | ₹2,08,000 | ₹31,600 |
| ₹5,000 | Yearly | ₹1,74,600 | ₹5,400 Saved | ₹2,16,000 | ₹41,400 |
| ₹10,000 | Monthly | ₹3,60,000 | — | ₹3,98,000 | ₹38,000 |
| ₹10,000 | Half-Yearly | ₹3,52,800 | ₹7,200 Saved | ₹4,16,000 | ₹63,200 |
| ₹10,000 | Yearly | ₹3,49,200 | ₹10,800 Saved | ₹4,32,000 | ₹82,800 |
| Plan Name | PMCC 3 Year — Nitya Balance Plan |
| Rate | 7% |
| Tenure | 3 Years |
| Investment Modes | Monthly, Half-Yearly, Yearly |
| Rebate Applicability | Half-Yearly & Yearly modes only |
| Minimum Monthly Investment | ₹500 |
| Maximum Illustrated Monthly Investment | ₹10,000 (higher amounts scalable proportionally) |
| Returns | Indicative estimates, subject to PMCC policy and terms |
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