Financial Projection Tool

Simulate Your Wealth &
Maturity Returns.

Discover how consistent monthly discipline turns into double financial security for your children and family.

₹1,500 / mo
₹1,000 (Min) ₹5,000 ₹10,000 (Max)

12-Year Investment Lifecycle

1-5
Payment Phase (5 Years)
You deposit monthly into your protected account. Total Paid: ₹90,000
6-11
Compound Buffer (Years 6 to 11)
Zero additional deposits required. Your funds compound with zero management fees.
12
100% Maturity Doubling Payout
Your total investment doubles. Disbursed directly into your nominee bank account.
Projected Maturity Payout
₹1,80,000*

Guaranteed 100% return on your total deposits

Your Deposits (50%) Net Growth (50%)
₹90,000 +₹90,000
Accidental Death Coverage: ₹4,50,000
Hospital Daily Cash Benefit: ₹1,000 / day
Emergency Liquidity Access: Available
Lock In This Plan

Includes official certificate delivery via WhatsApp.

Year-by-Year Breakdown

Detailed Cashflow & Coverage Schedule

Policy Year Phase Status Yearly Contribution Cumulative Paid Maturity Entitlement
Comparative Wealth Analysis

Mahalaxmi Guaranteed Plan vs Traditional Financial Assets

Why thousands of migrant workers and cross-border families prefer Mahalaxmi over standard bank fixed deposits or market-linked mutual funds.

Feature / Benchmark Mahalaxmi Guaranteed Plan Bank Fixed Deposit (FD) Market Mutual Funds (SIP) Post Office MIS
Capital Guarantee 100% Guaranteed 2x Payout Guaranteed (up to ₹5L DICGC) No Guarantee (Market Risk) Guaranteed by Govt.
Built-in Life Cover 5x to 10x Total Deposit Zero (Nil) Zero (Nil) Zero (Nil)
Tax on Maturity Proceeds 100% Tax-Free (Sec 10(10D)) Taxable at slab (up to 30% TDS) 12.5% Long-Term Capital Gains Taxable at slab rate
Cross-Border Remittance to Nepal Direct NPR Transfer to Nominee Requires Indian Bank Account Indian Bank Account Only No Cross-Border Option
Emergency Policy Loan Up to 85% at 8.25% p.a. Premature penalty 1% Exit load 1% + Market loss Premature penalty 2%
Section 80C & 10(10D)

Effective Pre-Tax Yield Exceeds 11.4% Fixed Deposit

Because bank fixed deposit interest is fully taxed at your maximum income tax slab (up to 31.2% with surcharge), a guaranteed tax-free return under Section 10(10D) delivers substantially superior cash in hand.

Annual 80C Tax Deduction
Save tax every financial year on deposits
Save up to ₹4,680 / yr
Zero TDS on Maturity Payout
Full 2x amount paid without any tax retention
0% TDS Deductions
Equivalent Taxable Return
Bank FD needed to match net in hand
11.45% Pre-Tax FD Rate

Annual Tax Savings Matrix

Old & New Regimes
30% Tax Bracket (Income > ₹15 Lakhs) 31.2% effective tax shield under Sec 80C
Save ₹5,616 / yr
20% Tax Bracket (Income ₹10L - ₹15L) 20.8% effective tax shield under Sec 80C
Save ₹3,744 / yr
Maturity Tax Exemption (Sec 10(10D)) Applicable to all policy tiers regardless of tax slab
100% Tax-Exempt
Compare All Plan Tiers