PMCC 7 Year — Stambha Long Term Plan @ 11%
Save More, Grow Safely — a 7-year long-term wealth pillar plan at 11%
About this product
The PMCC 7 Year — Stambha Long Term Plan is PMCC's longest-tenure offering, delivering the highest fixed rate in the family — 11% — over a 7-year horizon. The name Stambha ("pillar") reflects its role as the foundational, long-term wealth-building option for investors willing to stay invested the longest. It follows the same three contribution modes as the other PMCC plans — Monthly, Half-Yearly, and Yearly — with contributions starting at ₹500/month and scaling up to ₹10,000/month or more.
As with the shorter-tenure plans, choosing Half-Yearly or Yearly mode unlocks a rebate benefit that lowers the effective investment required for the same maturity. For a ₹10,000/month commitment paid Yearly, the effective investment is ₹8,14,800 (a saving of ₹25,200) against ₹8,40,000 under the Monthly mode — while maturing to the same estimated ₹14,00,000, delivering a net benefit of ₹5,85,200 versus ₹4,20,000 on the Monthly mode.
Stambha Long Term is positioned as PMCC's top-tier plan for investors with a 7-year horizon who want to maximize both the rate of return and the rebate savings available on longer commitments — completing the PMCC ladder alongside Sanchay Quick Save (1 yr, 6%), Sampada Growth (2 yr, 6.5%), Nitya Balance (3 yr, 7%), and Pragati Wealth (5 yr, 10%).
| Monthly Investment | Mode | Effective Investment | Rebate Benefit | Est. Maturity | Net Benefit |
|---|---|---|---|---|---|
| ₹500 | Monthly | ₹42,000 | — | ₹63,000 | ₹21,000 |
| ₹500 | Half-Yearly | ₹41,160 | ₹840 Saved | ₹66,500 | ₹25,340 |
| ₹500 | Yearly | ₹40,740 | ₹1,260 Saved | ₹70,000 | ₹29,260 |
| ₹1,000 | Monthly | ₹84,000 | — | ₹1,26,000 | ₹42,000 |
| ₹1,000 | Half-Yearly | ₹82,320 | ₹1,680 Saved | ₹1,33,000 | ₹50,680 |
| ₹1,000 | Yearly | ₹81,480 | ₹2,520 Saved | ₹1,40,000 | ₹58,520 |
| ₹2,000 | Monthly | ₹1,68,000 | — | ₹2,52,000 | ₹84,000 |
| ₹2,000 | Half-Yearly | ₹1,64,640 | ₹3,360 Saved | ₹2,66,000 | ₹1,01,360 |
| ₹2,000 | Yearly | ₹1,62,960 | ₹5,040 Saved | ₹2,80,000 | ₹1,17,040 |
| ₹5,000 | Monthly | ₹4,20,000 | — | ₹6,30,000 | ₹2,10,000 |
| ₹5,000 | Half-Yearly | ₹4,11,600 | ₹8,400 Saved | ₹6,65,000 | ₹2,53,400 |
| ₹5,000 | Yearly | ₹4,07,400 | ₹12,600 Saved | ₹7,00,000 | ₹2,92,600 |
| ₹10,000 | Monthly | ₹8,40,000 | — | ₹12,60,000 | ₹4,20,000 |
| ₹10,000 | Half-Yearly | ₹8,23,200 | ₹16,800 Saved | ₹13,30,000 | ₹5,06,800 |
| ₹10,000 | Yearly | ₹8,14,800 | ₹25,200 Saved | ₹14,00,000 | ₹5,85,200 |
| Plan Name | PMCC 7 Year — Stambha Long Term Plan |
| Rate | 11% |
| Tenure | 7 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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