Investment plan · Flexible risk
IDLC SIP
Systematic monthly investing with cost averaging across market cycles.
Invest a fixed amount every month into a chosen IDLC mutual fund — building the habit of investing, averaging cost across cycles, with optional life-cover aligned to your target contribution.
Structure
Monthly plan
Risk
Flexible
Horizon
Monthly
Minimum
BDT 5,000 / month (individual)
Risk scale
Positioned at Flexible
Low
Mod. low
Moderate
Mod. high
High
Design your SIP
- 01
Amount
From BDT 5,000 monthly (individual)
- 02
Horizon
Set the tenure for your goal
- 03
Fund
Income, Balanced, Growth or Shariah
- 04
Cover
Optional life insurance up to BDT 1 crore
At a glance
Min. instalment
5,000
BDT / month · individual
Tax rebate edge
Up to 75k
Vs typical DPS ceiling · tax rules apply
Why this plan
- 01
Choose amount, tenure, preferred IDLC fund, and optional life insurance in one registration.
- 02
Tax rebate potential meaningfully higher than traditional DPS ceilings (subject to tax rules).
- 03
Withdraw fully or partially anytime without SIP-specific penalty; units settle at fund surrender rules.
- 04
Insurance cover can match total planned investment up to BDT 1 crore (premium non-refundable).
Key terms
- Minimum instalment
- BDT 5,000 individual · BDT 10,000 institution
- Auto-debit
- Typically 7th of each month (or next working day); retry on the 12th
- Underlying funds
- Income, Balanced, Growth or Shariah — same product rules apply