In today’s time, it has become very important to choose the right and safe investment scheme. State Bank of India (SBI) has introduced a special lump sum investment scheme for 2025, which promises to give better returns to investors. In this scheme, investing amount at one time gives long -term returns. In this article we will give complete information about this scheme, so that you can understand how beneficial it can be for you.
SBI Lumpum Plan 2025
| Name of the scheme | SBI Lumpum Plan 2025 |
| Minimum investment amount | ₹ 5,000 |
| Maximum investment amount | No limit |
| Fund type | Open-ended |
| Average annual return | 12-20% (estimated) |
| Risk level | Medium to high |
| Lock-in period | nobody |
| tax benefits | Tax exemption under Section 80C |
How to apply 1.32 crore by applying ₹ 30,000?
The special thing about this scheme is that it gives the benefit of compounding interest. Your money increases rapidly through compounding. For example:
- If you invest a lump sum of ₹ 30,000 and consider the average annual return 20%, then after 25 years your amount can be around ₹ 1.32 crore.
Compounding formula:
Compounding is calculated by this formula:
A = p × (1+r) n
A,P× (1+R,
n
Where:
A $ $ = last amount
P $$ = initial investment
R $ $ = interest rate
n $$ = time (in years)
Example:
If you invested ₹ 30,000 and average returns were 20%:
A = 30000 × (1+0.20) 25 = ₹ 1,32,00,000
A= 30000 × (1+0.20)
25
= ₹ 1,32,00,000
Why choose SBI Lumpmus Plan?
There are many benefits of choosing this scheme:
- High Return: This SBI plan has given annual returns of up to 12-20% on an average in the last few years.
- Security: SBI is the largest government bank in India, which ensures your money safety.
- Flexibility: Investment can be started from minimum ₹ 5,000.
- Tax Benefits: Some schemes also get tax exemption.
How does SBI Lumpmus Plan work?
In this scheme, you invest the amount at once and this amount keeps increasing with time. In this, your money is invested in mutual funds, stock market and other financial instruments.
Investment Process:
- Go to any branch of SBI or use Net Banking/Mobile App.
- Select the fund of your choice.
- Start with a minimum of ₹ 5,000.
- Wait till maturity and get strong returns.
SBI’s Top Lumpum Funds 2025
SBI has introduced several funds that are suitable for lump sum investment. Below is the list of some major funds:
| Fund name | Average annual return (5 years) | Minimum investment amount |
| SBI Small Cap Fund | 24.83% | ₹ 5,000 |
| SBI Bluechip Fund | 16.46% | ₹ 5,000 |
| SBI Flexicap Fund | 16% | ₹ 1,000 |
| SBI Equity Hybrid Fund | 13.74% | ₹ 1,000 |
| SBI Large & Midcap Fund | 20.18% | ₹ 5,000 |
Benefits of this scheme
- Compounding Interest: Your money increases rapidly due to compounding.
- Risk management: You can control your risk by having options in different funds.
- Suitable for long periods: This scheme is designed to deliver high returns over long periods.
- Tax Benefits: There is a tax exemption under Section 80C.
Is this plan right for you?
This plan can be right for those people:
- Those who can lock money for a long period.
- Which can take high risk from moderate.
- Those who want to increase their money rapidly.
Required documents
To apply in this scheme you will need the following documents:
- PAN card
- Aadhar card
- Passport Size Photo
- Address proof (electricity bill/ration card)
- Bank account statement
Tax rules
Tax rules on SBI Lumpum Plan are as follows:
- TDS will be deducted if the annual interest is more than ₹ 40,000.
- Tax will be levied by adding interest income to your total income.
- A tax deduction of up to ₹ 1.5 lakh can be claimed under Section 80C.
Disclaimer:
SBI Lumpmus Plan 2025 may be an attractive investment option but the figures given in it are estimated. The actual return will depend on market performance. Therefore, before making any kind of investment, you must seek expert advice.
