PMCC 5 Year — Pragati Wealth Plan @ 10%
Save More, Grow Safely — a long-term 5-year wealth plan at 10%
About this product
The PMCC 5 Year — Pragati Wealth Plan is PMCC's longest-tenure and highest-rate offering, delivering a fixed 10% return over a 5-year horizon — well above the rates on the 1, 2 and 3-year plans. It follows the same three contribution modes — 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 PMCC plans, choosing Half-Yearly or Yearly mode unlocks a meaningful rebate benefit. For a ₹10,000/month commitment paid Yearly, the effective investment is ₹5,82,000 (a saving of ₹18,000) against ₹6,00,000 under the Monthly mode — while maturing to the same estimated ₹9,00,000, delivering a net profit of ₹3,18,000 versus ₹2,20,000 on the Monthly mode.
Pragati Wealth is designed for investors with a longer time horizon who want to maximize compounding growth and rebate savings, making it the flagship "wealth building" plan in the PMCC lineup — the name Pragati ("progress") reflecting its role as the top step in the family after Sanchay Quick Save (1 yr), Sampada Growth (2 yr), and Nitya Balance (3 yr).
| Monthly Investment | Mode | Effective Investment | Rebate Benefit | Est. Maturity | Net Profit |
|---|---|---|---|---|---|
| ₹500 | Monthly | ₹30,000 | — | ₹41,000 | ₹11,000 |
| ₹500 | Half-Yearly | ₹29,400 | ₹600 Saved | ₹42,500 | ₹13,100 |
| ₹500 | Yearly | ₹29,100 | ₹900 Saved | ₹45,000 | ₹15,900 |
| ₹1,000 | Monthly | ₹60,000 | — | ₹82,000 | ₹22,000 |
| ₹1,000 | Half-Yearly | ₹58,800 | ₹1,200 Saved | ₹85,000 | ₹26,200 |
| ₹1,000 | Yearly | ₹58,200 | ₹1,800 Saved | ₹90,000 | ₹31,800 |
| ₹2,000 | Monthly | ₹1,20,000 | — | ₹1,64,000 | ₹44,000 |
| ₹2,000 | Half-Yearly | ₹1,17,600 | ₹2,400 Saved | ₹1,70,000 | ₹52,400 |
| ₹2,000 | Yearly | ₹1,16,400 | ₹3,600 Saved | ₹1,80,000 | ₹63,600 |
| ₹5,000 | Monthly | ₹3,00,000 | — | ₹4,10,000 | ₹1,10,000 |
| ₹5,000 | Half-Yearly | ₹2,94,000 | ₹6,000 Saved | ₹4,25,000 | ₹1,31,000 |
| ₹5,000 | Yearly | ₹2,91,000 | ₹9,000 Saved | ₹4,50,000 | ₹1,59,000 |
| ₹10,000 | Monthly | ₹6,00,000 | — | ₹8,20,000 | ₹2,20,000 |
| ₹10,000 | Half-Yearly | ₹5,88,000 | ₹12,000 Saved | ₹8,50,000 | ₹2,62,000 |
| ₹10,000 | Yearly | ₹5,82,000 | ₹18,000 Saved | ₹9,00,000 | ₹3,18,000 |
| Plan Name | PMCC 5 Year — Pragati Wealth Plan |
| Rate | 10% |
| Tenure | 5 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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