SBI Lumpsum Plan 2025 – In a significant move for investors looking for secure, tax-free returns, the State Bank of India (SBI) has introduced its highly attractive SBI Lumpsum Plan 2025. Under this plan, an individual can make a one-time investment of ₹1.5 lakh and potentially receive returns up to ₹20 lakh over the policy term. Touted as the highest tax-free return scheme in SBI’s history, this plan is gaining massive traction among middle-class families, retirees, and young investors alike. If you’re searching for a high-return, tax-saving investment option with guaranteed benefits and zero market risk, SBI’s new lumpsum scheme may be your perfect fit. Let’s explore the full details of the SBI Lumpsum Plan 2025.
What is SBI Lumpsum Plan 2025?
SBI Lumpsum Plan 2025 is a one-time investment scheme offered by SBI Life Insurance, which is designed to provide long-term savings with life cover and tax-free maturity benefits. By investing once, policyholders can sit back and enjoy a significantly large return without worrying about market fluctuations.
Key Features:
- One-time investment starting from ₹1.5 lakh
- Returns up to ₹20 lakh on maturity
- Completely tax-free under Section 10(10D)
- Life insurance coverage during the policy term
- Risk-free and backed by SBI Life Insurance
Benefits of SBI Lumpsum Investment Plan
This plan stands out due to its exceptional returns and added benefits that suit both salaried individuals and self-employed investors.
Major Advantages:
- Tax-free returns under Income Tax Act
- Guaranteed returns on maturity
- No annual or monthly contributions required
- Life coverage throughout the policy period
- Ideal for long-term financial planning
Highlights Table
Feature | Details |
---|---|
Plan Name | SBI Lumpsum Plan 2025 |
Investment Amount | ₹1.5 Lakh (One-Time) |
Maturity Amount | ₹20 Lakh (Approximate) |
Policy Term | 20-25 Years |
Type of Return | Tax-Free Maturity Benefit |
Life Coverage | Included |
Risk Level | Zero Market Risk |
Tax Benefit | Section 80C & 10(10D) Eligible |
Eligibility Criteria for SBI Lumpsum Plan 2025
To enroll in the SBI Lumpsum Plan, investors must meet certain eligibility requirements as laid out by SBI Life Insurance.
Age & Income Requirements
Eligibility Parameter | Requirement |
---|---|
Minimum Entry Age | 18 Years |
Maximum Entry Age | 60 Years |
Minimum Investment | ₹1.5 Lakh |
Policy Term Options | 15, 20, or 25 Years |
Maximum Maturity Age | 85 Years |
Income Proof Required | Yes |
PAN Card / KYC Documents | Mandatory |
How Does the SBI Lumpsum Plan Work?
Once an investor deposits a lumpsum of ₹1.5 lakh, SBI Life Insurance invests it under a secure and structured savings instrument. Over a policy period of around 20–25 years, the amount compounds and is paid out tax-free at the end of the term.
Sample Return Scenario
Policy Term | One-Time Investment | Estimated Return | Life Cover Included |
---|---|---|---|
15 Years | ₹1.5 Lakh | ₹10-12 Lakh | Yes |
20 Years | ₹1.5 Lakh | ₹15-17 Lakh | Yes |
25 Years | ₹1.5 Lakh | ₹18-20 Lakh | Yes |
Who Should Invest in This SBI Plan?
SBI’s lumpsum plan is ideal for individuals looking for low-risk investments with high, tax-free returns and insurance coverage.
Best Suited For:
- Retirees looking for safe long-term returns
- Parents planning for children’s higher education or marriage
- Salaried individuals seeking tax-saving options
- NRIs looking for India-based fixed returns
- Housewives with spare savings
How to Apply for SBI Lumpsum Plan 2025?
Enrolling in this plan is easy and can be done either online or by visiting the nearest SBI branch.
Application Steps:
- Visit the official SBI Life Insurance website or nearest branch.
- Choose the SBI Lumpsum Plan 2025.
- Submit your PAN, Aadhaar, and income proof.
- Make a one-time deposit of ₹1.5 lakh or more.
- Get policy bond and life cover confirmation.
Required Documents
Document Type | Details |
---|---|
Identity Proof | PAN Card / Aadhaar Card |
Address Proof | Utility Bill / Aadhaar / Passport |
Income Proof | Salary Slip / Bank Statement |
Photograph | Passport Size |
Nominee Details | Required at time of policy issuance |
Tax Benefits Under SBI Lumpsum Plan
The SBI Lumpsum Plan 2025 is eligible for dual tax benefits:
- Under Section 80C: Deduction up to ₹1.5 lakh on invested amount.
- Under Section 10(10D): Maturity amount is completely tax-free.
These tax exemptions make the plan even more profitable for investors who want to maximize returns without paying additional taxes at maturity.
For individuals seeking a safe, long-term, and tax-efficient investment option, SBI Lumpsum Plan 2025 is among the top choices in India today. With guaranteed maturity benefits, no market-linked risks, and tax-free returns up to ₹20 lakh, it offers unmatched financial security and wealth creation. However, it is important to read the policy brochure, consult with SBI Life agents, and compare with similar plans to ensure it suits your financial goals.
Frequently Asked Questions (FAQs)
1. What is the minimum amount required for SBI Lumpsum Plan 2025?
The minimum one-time investment required is ₹1.5 lakh.
2. Is the maturity amount really tax-free?
Yes, the maturity payout is completely tax-free under Section 10(10D) of the Income Tax Act.
3. Is life insurance included in this plan?
Yes, SBI Lumpsum Plan includes life insurance coverage during the policy term.
4. Can NRIs invest in this SBI plan?
Yes, Non-Resident Indians (NRIs) can invest, provided they submit the required KYC documents.
5. What if I want to withdraw early?
Premature withdrawal may attract lower returns or cancellation of tax benefits. It’s advised to hold the policy till maturity for full benefits.