JKP Calc

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Invest Today. Secure Their Tomorrow.

Give your child the financial foundation they deserve with the Junior Kotipathi Investment Savings Account — a disciplined investment savings plan designed to help parents and guardians build long-term wealth for their children’s future.

Whether it’s for higher education, future opportunities, or achieving life goals, Junior Kotipathi helps your savings grow through regular monthly contributions while rewarding your commitment along the way.

Plan your child's future

Choose your target amount and investment period to see the estimated monthly commitment.

Target Amount

Rs. 1,000,000 Rs. 10,000,000

Investment Period

1 Year18 Years

Interest Rate 9.50% p.a.

Estimated Monthly Commitment

Calculated using payments at the beginning of each month.

Target Amount

Period

Rate

This calculator is for illustrative purposes only. Actual product terms, applicable rates and eligibility criteria may differ.

Choose a plan that works for you

Target Amount (LKR)	1 Mn	2 Mn	3 Mn	4 Mn	5 Mn	6 Mn	7 Mn	8 Mn	9 Mn	10 Mn
1 Year	79,140	158,281	237,421	316,561	395,702	474,842	553,982	633,123	712,263	791,403
2 Years	37,699	75,399	113,098	150,797	188,497	226,196	263,896	301,595	339,294	376,994
3 Years	23,927	47,854	71,781	95,707	119,634	143,561	167,488	191,415	215,342	239,269
4 Years	17,071	34,143	51,214	68,285	85,357	102,428	119,499	136,571	153,642	170,713
5 Years	12,982	25,965	38,947	51,930	64,912	77,895	90,877	103,859	116,842	129,824
6 Years	10,277	20,553	30,830	41,107	51,383	61,660	71,937	82,213	92,490	102,767
7 Years	8,361	16,722	25,083	33,444	41,806	50,167	58,528	66,889	75,250	83,611
8 Years	6,939	13,879	20,818	27,757	34,696	41,636	48,575	55,514	62,454	69,393
9 Years	5,846	11,693	17,539	23,386	29,232	35,078	40,925	46,771	52,618	58,464
10 Years	4,984	9,967	14,951	19,935	24,918	29,902	34,885	39,869	44,853	49,836
11 Years	4,288	8,576	12,864	17,152	21,440	25,728	30,016	34,304	38,592	42,880
12 Years	3,718	7,435	11,153	14,871	18,588	22,306	26,023	29,741	33,459	37,176
13 Years	3,243	6,487	9,730	12,974	16,217	19,460	22,704	25,947	29,190	32,434
14 Years	2,844	5,689	8,533	11,378	14,222	17,067	19,911	22,756	25,600	28,445
15 Years	2,506	5,011	7,517	10,023	12,529	15,034	17,540	20,046	22,552	25,057
16 Years	2,216	4,431	6,647	8,863	11,078	13,294	15,510	17,726	19,941	22,157
17 Years	1,966	3,931	5,897	7,862	9,828	11,793	13,759	15,725	17,690	19,656
18 Years	1,749	3,497	5,246	6,994	8,743	10,492	12,240	13,989	15,737	17,486

Features

Investment period from 1 to 18 years
Investment targets from LKR 1 Million to LKR 10 Million
Attractive interest rate
Monthly installment-based investment plan
Monthly interest credit
Free SMS Alerts
Free Internet & Mobile Banking (View Only)
Standing Instruction fee waiver (Cargills Bank accounts)
Exciting milestone rewards throughout the investment journey.

Who can apply?

Parent or legal guardian
Child from newborn to 17 years of age
Account maintained in the child’s name until reaching 18 years.

Rewards along the way

Welcome Reward

Receive a Junior Kotipathi Branded Umbrella or LKR 1,000 Deposit Voucher at account opening.

After 12 consecutive monthly installments

Educational Learning Toy
LKR 2,500 Cargills Food City Gift Voucher

After 60 consecutive monthly installments

Cargills Pharmacy Voucher, or
Nutrition Hamper.

WHY CHOOSE JUNIOR KOTIPATHI?

A rewarding way to plan ahead

Build long-term savings with discipline
Rewarding investment journey
Designed exclusively for children’s future financial goals
Backed by Cargills Bank’s trusted banking services

IMPORTANT NOTES

Terms and conditions apply.
Interest rates are subject to change in accordance with the Bank’s policy.
Rewards are subject to eligibility criteria.
Installments must be paid on time to qualify for guaranteed benefits and milestone rewards.