FINANCIAL INVESTMENT PROJECT · IT SECTOR
IT Sector Financial Investment Project
Review the investment range, available plan categories, payment options and key terms before making a decision.
UNDERSTANDING THE THREE PLAN OPTIONS
Explore Three Investment Plan Options
Compare the Asset Class, Liability Class and Money Back options using the same illustrative investment amount. Each plan has a different payout structure and tenure.
₹10 lakhIllustrative amount
30% p.a.Indicative rate
5 / 10 yearsPlan-wise tenure
Why Choose This Plan?
Flexible Plan Options
Choose Asset Class, Liability Class or Money Back Class according to your preferred payment and principal repayment structure.
Monthly Instalment Facility
Each plan has a defined monthly instalment arrangement, either received by the participant or paid by the participant, depending on the selected class.
Renewal Opportunities
Renewal facilities are available according to the selected plan’s tenure, eligibility and applicable conditions.
Transparent Plan Information
Investment amount, fees, payment schedules, repayment terms and risk disclosures are presented for review before enrolment.
Structured Principal Repayment Facility
The company has structured principal repayment through monthly, yearly and five-yearly cycles, according to the selected investment class. This systematic approach aims to spread repayment obligations over defined periods, manage the company’s financial commitments and provide customers with scheduled principal repayment benefits under the agreed plan terms.
Documented Membership
Applications, membership details and agreed plan conditions are recorded through the prescribed documentation process.
01MONTHLY INSTALMENT
Asset Class Plan
Plan Summary
How it works: Monthly income through successive five-year cycles, with a renewal or withdrawal decision at each maturity.
Invested amount₹10,00,000
Tenure5 years per lock-in cycle
Illustrative returns₹15,00,000 over 5 years
Total return amount (including principal)₹25,00,000
Payment Illustration
Illustration: ₹10,00,000 investment | ₹25,000 monthly income | 5 years.
Monthly instalment received (income)₹25,000
Annual income₹3,00,000
5-year income₹15,00,000
Principal at maturity*₹10,00,000
Total illustrative receipts₹25,00,000
*Principal settlement is subject to the withdrawal, renewal and settlement terms in the signed agreement.
02MONTHLY REDUCING-PRINCIPAL REPAYMENT
Liability Class Plan
Plan Summary
How it works: A monthly instalment combines principal repayment and returns, with the outstanding principal reducing month by month.
Principal amount₹10,00,000
Monthly instalment₹32,355
Tenure60 months
Illustrative returns*₹9,41,300
Total repayment amount (including principal)₹19,41,300
Liability Class — Payment Illustration
Illustration based on ₹10,00,000 principal over 60 months.
Monthly instalment₹32,355
Number of instalments60 months
Total of instalments₹19,41,300
Initial principal₹10,00,000
Amount above principal*₹9,41,300
Principal repaymentThrough all 60 instalments
Each monthly instalment includes principal and the return component. The principal portion is repaid progressively and the outstanding balance reduces month by month. *The amount above principal is the difference between total instalments and initial principal, not a separately stated interest rate. Final figures and schedule are subject to the signed agreement.
03YEARLY PRINCIPAL REPAYMENT
Money Back Plan
Plan Summary
How it works: Fixed monthly payout, plus a separate yearly return of principal.
Invested amount₹10,00,000
Monthly instalment received (payout)₹20,000
Tenure120 months (10 years)
Illustrative returns₹24,00,000
Total return amount (including principal)₹34,00,000
₹34,00,000
Total illustrative interest ₹24 lakh + principal ₹10 lakh
Fixed monthly interest for 120 months₹20,000
Principal returned yearly₹1,00,000
Year 1₹9 lakh₹20,000 / month
Year 2₹8 lakh₹20,000 / month
Year 3₹7 lakh₹20,000 / month
Year 4₹6 lakh₹20,000 / month
Year 5₹5 lakh₹20,000 / month
Year 6₹4 lakh₹20,000 / month
Year 7₹3 lakh₹20,000 / month
Year 8₹2 lakh₹20,000 / month
Year 9₹1 lakh₹20,000 / month
Year 10₹0₹20,000 / month
Special feature: ₹20,000 monthly interest remains fixed for all 120 months, while ₹1 lakh of principal is repaid separately at each year-end. The outstanding principal reduces to zero at the end of Year 10.
Money Back Plan — Payment Illustration
Illustration based on ₹10,00,000 principal over 10 years.
Monthly instalment received (payout)₹20,000
Annual payout₹2,40,000
Principal repaid each year₹1,00,000
Total payout over 10 years₹24,00,000
Total principal repaid₹10,00,000
Total illustrative receipts₹34,00,000
The ₹20,000 monthly payout is shown for 120 months. Principal is illustrated as ₹1,00,000 repaid at each year-end, reducing the outstanding balance to zero after Year 10. Actual payments are subject to the signed agreement.
Compare All Three Plans
| Particulars | Asset Class | Liability Class | Money Back |
|---|---|---|---|
| Tenure | 5 years | 5 years | 10 years |
| Payment structure | Lump sum | 60 fixed monthly instalments | Lump sum |
| Monthly Instalment Facility | ₹25,000 received as monthly income | ₹32,355 paid monthly, including principal and return components | ₹20,000 received as monthly payout |
| Total illustrative income / interest | ₹15,00,000 | Approx. ₹9,41,300 | ₹24,00,000 |
| Principal repayment | At maturity | Included monthly | ₹1 lakh yearly for 10 years |
| Total receipts / instalments | ₹25,00,000 | Approx. ₹19,41,300 | ₹34,00,000 |
How to read this comparison: Asset Class and Money Back show illustrative receipts to the investor. Liability Class shows the total of the 60 fixed instalments used to repay principal and interest; it is not directly the same type of receipt as the other two plans.
Important illustration and risk disclosure
These figures are hypothetical examples for understanding the payout structures, not assured or guaranteed returns. Asset Class assumes simple monthly income at 30% p.a. Money Back illustrates a fixed ₹20,000 monthly payout for 120 months (₹24,00,000 total), plus separate repayment of 10% of the original ₹10,00,000 principal each year for 10 years (₹10,00,000 total). The monthly payout is fixed and does not reduce as principal is repaid. This is a stated payout illustration and must be supported by the approved plan terms, cash-flow capacity and applicable legal/regulatory requirements. Liability Class assumes a reducing-balance calculation at 2.5% per month with a level instalment for 60 months. The ₹10 lakh example is for comparison only and does not override the minimum or maximum amount, eligibility, or terms of any sector project. Actual payouts, repayment and capital recovery depend on approved agreements and project performance. Capital may be at risk.
PROJECT INFORMATION
Common Key Features, Plan Benefits & Terms
Review these common conditions and procedures applicable across all investment classes.
General Features & Conditions
Eligibility & availability
Participation is subject to eligibility, project capacity and acceptance of the application.
Initial deposit
The selected principal amount is deposited at the start of the chosen plan.
Monthly Instalment Facility
All three plans use the common term “Monthly Instalment Facility”. Under Asset Class, the participant receives a monthly instalment as income; under Liability Class, the participant pays a monthly instalment comprising principal and return components; under Money Back Class, the participant receives a monthly instalment as a payout, as specified in the selected plan illustration and written agreement.
Principal repayment & withdrawal facility
Liability Class: Principal is repaid progressively through monthly instalments, reducing the outstanding balance. Money Back Class: Principal is repaid yearly according to the agreed repayment schedule. Asset Class: Principal withdrawal may be requested at the end of each five-year cycle, subject to the agreed notice, renewal and settlement terms.
Application & agreement
Your selected amount, class, tenure and payment schedule will be recorded in the accepted application and written agreement.
Fees & charges
A membership fee of 10% of the investment amount is payable at initial enrolment and at every renewal. Registration charges, documentation charges, inter-project transfer fees, inter-state membership transfer fees, membership charges and any other applicable fees or charges are non-refundable. All applicable charges will be disclosed in the written terms.
Illustrative information
Rates, income, instalments and payouts shown are indicative only. They are not guaranteed returns; actual outcomes may differ.
Risk disclosure
Project, market, liquidity, operational and counterparty risks may affect payments and capital recovery. Capital may be at risk.
Legal & tax requirements
Participation is subject to applicable laws, regulatory requirements, taxes and statutory deductions.
Membership continuation or termination
Continuation of membership is subject to the company's review and approval. The company reserves the right to continue or cancel membership as per the agreed terms.
Verification & Compliance
Participants must complete required KYC formalities and submit valid supporting documents before enrolment.
Payment & Transaction Records
All payments must follow the approved payment procedure and be supported by appropriate transaction records.
Nominee Registration
Participants may register a nominee and update nominee information in accordance with the prescribed procedure.
Official Communication
All notices, updates and plan-related correspondence will be communicated through the participant’s registered contact details.
Service Requests & Processing
All requests relating to renewal, withdrawal, transfer and settlement must be submitted through the prescribed process and are subject to verification and applicable plan terms.
Plan-Specific Benefits
Special facilities applicable to each investment class.
Asset Class
- Five-year withdrawal: Principal withdrawal may be requested at the end of each five-year cycle.
- Renewal option: Participants may renew for successive five-year terms, subject to approval and plan conditions.
- Referral condition: At least one valid referral is required during the first year to continue in Asset Class; otherwise, transfer to Liability Class from Year 2 applies under the plan terms.
Liability Class
- Monthly principal repayment: Each monthly instalment includes a principal component, progressively reducing the outstanding principal.
- Renewal option: Renewal may be available at the end of each five-year cycle, subject to agreement, approval and eligibility.
Money Back Class
- Yearly principal repayment: A scheduled portion of principal is repaid yearly according to the plan schedule.
- Renewal option: Renewal may be requested after completion of the ten-year tenure, subject to agreement, approval and eligibility.
Important: Read the project-specific illustration, risk disclosure and agreement carefully before enrolment. The executed agreement and applicable law govern the parties' rights and obligations.
Application process
Select the plan category, investment amount, tenure and installment mode, subject to availability.
Check the financial illustration, fees, payout dates, repayment schedule and risk disclosures.
Proceed only after the project-specific terms are clear and the written agreement is completed.
Important risk disclosure
*The 30% figure is indicative only and is not a promise or guarantee of return. The 10% membership fee is non-refundable and applies at initial enrolment and at every renewal. Investment values, income and repayment may be affected by project, market, liquidity and counterparty risks. Capital may be at risk. A membership certificate is an administrative record only and does not guarantee returns or repayment. Review all documents and obtain independent financial and legal advice where appropriate.
Need project-specific details?
Contact NIFMT to request current availability, complete fee details and the applicable written terms.