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HDFC Life ClassicAssure PlusInvestment
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For NRI Customers

(To Buy a Policy)

Call (All Days, Local charges apply)

+91- 8916613503
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[email protected]
Whatsapp

+91 8291-890-569

(If you're our existing customer)

Call (Mon-Sat, 10am-9pm IST, Local Charges Apply)

+91-8916694100
Email ID

[email protected]

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(New and Ongoing Applications)

Call (All Days & Toll free)

1800-266-9777
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+91 8291-890-569
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+91-9980970424
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(Issued Policy)

Whatsapp

+91 8291-890-569
Call (Mon to Sat, from 10 am to 7 pm, Call charges apply)

022-68446530
Email

[email protected]

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0800-0006–609

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RESUME APPLICATION PAY PREMIUM

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At HDFC Life, we always strive to provide premier products with high benefits to our customers. Details of the Historical Bonus Rates are given below. Please click on the plan name to view them.

1 Reversionary Bonus Rates

Reversionary Bonus Rates for HDFC Life

HDFC Money Back Plan

HDFC MONEY BACK PLAN (UIN :101N002V01)
2007-08	2.25%
2008-09	2.25%
2009-10	2.00%
2010-11	2.00%
2011-12	2.00%
2012-13	2.00%
2013-14	2.00%
2014-15	2.00%
2015-16	2.00%
2016-17	2.00%
2017-18	2.00%
2018-19	2.00%
2019-20	2.00%
2020-21	2.00%
2021-22	2.00%
2022-23	2.00%

HDFC Children's Plan

HDFC CHILDREN'S PLAN (UIN : 101N010V01)
2007-08	2.25%
2008-09	2.25%
2009-10	2.00%
2010-11	2.00%
2011-12	2.00%
2012-13	2.00%
2013-14	2.00%
2014-15	2.00%
2015-16	2.00%
2016-17	2.00%
2017-18	2.00%
2018-19	2.00%
2019-20	2.00%
2020-21	1.75% for Policy Term < 15 years and 2.00% for Policy Term >= 15
2021-22	1.75% for Policy Term < 15 years and 2.00% for Policy Term >= 15
2022-23	1.75% for Policy Term < 15 years and 2.00% for Policy Term >= 15

HDFC Endowment Assurance

HDFC ENDOWMENT ASSURANCE (UIN: 101N001V01 & 101N001V02)
2007-08	2.25%
2008-09	2.25%
2009-10	1.75%
2010-11	2.00%
2011-12	2.00%
2012-13	2.00%
2013-14	2.00%
2014-15	2.00%
2015-16	2.00%
2016-17	2.00%
2017-18	2.00%
2018-19	2.00%
2019-20	2.00%
2020-21	2.00%
2021-22	2.00%
2022-23	2.00%

HDFC Savings Assurance Plan

HDFC SAVINGS ASSURANCE PLAN (UIN: 101N014V01)
2007-08	3.25%
2008-09	3.25%
2009-10	3.25%
2010-11	3.25%
2011-12	3.25%
2012-13	3.25%
2013-14	3.25%
2014-15	3.25%
2015-16	3.25%
2016-17	2.50%
2017-18	2.50%
2018-19	2.50%
2019-20	2.50%
2020-21	2.50%
2021-22	2.50%
2022-23	2.50%

HDFC Assurance Plan

HDFC ASSURANCE PLAN (UIN: 101N018V01)
2007-08	3.25%
2008-09	3.25%
2009-10	3.25%
2010-11	3.25%
2012-13	3.25%
2013-14	3.25%
2014-15	3.25%
2015-16	3.25%
2016-17	2.50%
2017-18	2.50%
2018-19	2.50%
2019-20	2.50%
2020-21	2.50%
2021-22	2.50%
2022-23	2.50%

HDFC Personal Pension Plan (Regular Premium)

HDFC PERSONAL PENSION PLAN (REGULAR PREMIUM) (UIN :101N008V01)
2007-08	2.25%
2008-09	2.25%
2009-10	2.00%
2010-11	2.00%
2011-12	2.00%
2012-13	2.00%
2013-14	2.00%
2014-15	2.00%
2015-16	2.00%
2016-17	2.00%
2017-18	2.00%
2018-19	2.00%
2019-20	2.00%
2020-21	2.00%
2021-22	2.00%
2022-23	2.00%

HDFC Personal Pension Plan (Single Premium)

HDFC PERSONAL PENSION PLAN (SINGLE PREMIUM) (UIN :101N008V01)
2007-08	5.00%
2008-09	5.00%
2009-10	5.00%
2010-11	5.00%
2010-11	5.00%
2012-13	5.00%
2013-14	5.00%
2014-15	5.00%
2015-16	5.00%
2016-17	5.00%
2017-18	5.00%
2018-19	5.00%
2019-20	5.00%
2020-21	5.00%
2021-22	5.00%
2022-23	5.00%

HDFC Single Premium Whole of Life Insurance Plan¹

HDFC SINGLE PREMIUM WHOLE OF LIFE INSURANCE PLAN (UIN :101N004V01)
2007-08	5.00%
2008-09	5.00%
2009-10	4.50%
2010-11	4.50%
2011-12	4.50%
2012-13	4.50%
2013-14	4.50%
2014-15	4.50%
2015-16	4.50%
2016-17	4.50%
2017-18	4.50%
2018-19	4.50%
2019-20	4.50%
2020-21	4.50%
2021-22	4.50%
2022-23	4.50%

HDFC SL Endowment Gain Insurance Plan

HDFC SL ENDOWMENT GAIN INSURANCE PLAN (UIN :101N071V01)
2010-11	2.00%
2011-12	2.00%
2012-13	2.00%
2013-14	2.00%
2014-15	2.00%
2015-16	2.00%
2016-17	2.00%
2017-18	2.00%
2018-19	2.00%
2019-20	2.00%
2020-21	2.00%
2021-22	2.00%
2022-23	2.00%

HDFC SL New Money Back Plan

HDFC SL NEW MONEY BACK PLAN (UIN: 101N063V01)
2010-11	2.00%
2011-12	2.00%
2012-13	2.00%
2013-14	2.00%
2014-15	2.00%
2015-16	2.00%
2016-17	2.00%
2017-18	2.00%
2018-19	2.00%
2020-21	2.00%
2021-22	2.00%
2022-23	2.00%

HDFC SL Group Savings Plan

HDFC SL GROUP SAVINGS PLAN (UIN: 101N062V01)
2010-11	2.00%
2011-12	2.00%
2012-13	2.00%
2013-14	2.00%

HDFC SL Classic Assure Insurance Plan

HDFC SL CLASSIC ASSURE INSURANCE PLAN (UIN :101N076V01)
2010-11	3.00%
2011-12	3.00%
2012-13	3.00%
2013-14	2.75%
2014-15	2.75%
2015-16	2.75%
2016-17	2.00%
2017-18	2.00%
2018-19	2.00%
2019-20	2.00%
2020-21	2.00%
2021-22	2.00%
2022-23	2.00%

HDFC Life Classic Pension Insurance Plan

HDFC LIFE CLASSIC PENSION INSURANCE PLAN (UIN: 101N077V01)
2011-12	3.00%
2012-13	3.00%
2013-14	3.00%
2014-15	3.00%
2015-16	3.00%
2016-17	3.00%
2017-18	3.00%
2018-19	3.00%
2019-20	3.00%
2020-21	3.00%
2021-22	3.00%
2022-23	3.00%

HDFC Life Personal Pension Plus Plan

HDFC LIFE PERSONAL PENSION PLUS (UIN: 101N091V01, 101N091V02, 101N091V03,101N091V04)
2013-14	3.00%
2014-15	3.00%
2015-16	3.00% for Policy Term 10-14 yrs, 3.50% for Policy Term 15-19 yrs, 4.00% for Policy Term 20-24 yrs, 4.50% for Policy Term 25-29 yrs and 5.00% for Policy Term > 30 yrs
2016-17	3.0% for Policy Term 10 yrs to 14 yrs, 3.50% for Policy Term 15 yrs to 19 yrs, 4.0% for Policy Term 20 yrs to 24 yrs, 4.50% for Policy Term 25 yrs to 29 yrs, 5.0% for Policy Term 30+ yrs
2017-18	3.50% for Policy Term 10 yrs to 14 yrs, 3.50% for Policy Term 15 yrs to 19 yrs, 4.00% for Policy Term 20 yrs to 24 yrs, 4.50% for Policy Term 25 yrs to 29 yrs, 5.00% for Policy Term 30+ yrs
2018-19	3.50% for Policy Term 10 yrs to 14 yrs, 3.50% for Policy Term 15 yrs to 19 yrs, 4.00% for Policy Term 20 yrs to 24 yrs, 4.50% for Policy Term 25 yrs to 29 yrs, 5.00% for Policy Term 30+ yrs
2019-20	3.50% for Policy Term 10 yrs to 14 yrs, 3.50% for Policy Term 15 yrs to 19 yrs, 4.00% for Policy Term 20 yrs to 24 yrs, 4.50% for Policy Term 25 yrs to 29 yrs, 5.00% for Policy Term 30+ yrs
2020-21	3.00% for Policy Term 10 yrs to 19 yrs, 3.50% for Policy Term 20 yrs to 24 yrs, 4.00% for Policy Term 25 yrs to 29 yrs, 4.50% for Policy Term 30+ yrs
2021-22	3.00% for Policy Term 10 yrs to 19 yrs, 3.50% for Policy Term 20 yrs to 24 yrs, 4.00% for Policy Term 25 yrs to 29 yrs, 4.50% for Policy Term 30+ yrs
2022-23	3.00% for Policy Term 10 yrs to 19 yrs, 3.50% for Policy Term 20 yrs to 24 yrs, 4.00% for Policy Term 25 yrs to 29 yrs, 4.50% for Policy Term 30+ yrs

HDFC Life Sampoorn Samridhi Insurance Plan²

HDFC LIFE SAMPOORN SAMRIDHI INSURANCE PLAN (UIN: 101N078V01)
2013-14	3.00%
2014-15	3.00%
2015-16	3.00%
2016-17	3.00%
2017-18	3.00%
2018-19	3.00%
2019-20	3.00%
2020-21	3.00%
2021-22	3.00%
2022-23	3.00%

HDFC Life Classic Assure Plus

HDFC LIFE CLASSIC ASSURE PLUS (UIN: 101N089V01, 101N089V02, 101N089V03, 101N089V04, 101N089V05)
2013-14	3.00%
2014-15	3.00%
2015-16	3.50% for Policy Term 10 yrs, 4.00% for Policy Term 15 yrs and 4.50% for Policy Term 20 yrs
2016-17	3.00% for Policy Term 10 yrs, 3.50% for Policy Term 15 yrs and 4.50% for Policy Term 20 yrs
2017-18	3.00% for Policy Term 10 yrs, 3.50% for Policy Term 15 yrs and 4.50% for Policy Term 20 yrs
2018-19	3.00% for Policy Term 10 yrs, 3.50% for Policy Term 15 yrs and 4.50% for Policy Term 20 yrs
2019-20	3.00% for Policy Term 10 yrs, 3.50% for Policy Term 15 yrs and 4.50% for Policy Term 20 yrs
2020-21	3.00% for Policy Term 10 yrs, 3.00% for Policy Term 15 yrs and 4.00% for Policy Term 20 yrs
2021-22	3.00% for Policy Term 10 yrs, 3.00% for Policy Term 15 yrs and 4.00% for Policy Term 20 yrs
2022-23	3.00% for Policy Term 10 yrs, 3.00% for Policy Term 15 yrs and 4.00% for Policy Term 20 yrs

HDFC Life Super Savings Plan

HDFC LIFE SUPER SAVINGS PLAN (UIN: 101N090V01)
2013-14	3.50%
2014-15	3.50%
2015-16	3.50% for Policy Term 15-19 yrs, 4.00% for Policy Term 20-24 yrs and 4.50% for Policy Term > 25 yrs
2016-17	3.50% for Policy Term 15-19 yrs, 4.00% for Policy Term 20-24 yrs and 4.50% for Policy Term > 25 yrs
2017-18	3.50% for Policy Term 15 yrs to 19 yrs, 4.0% for Policy Term 20 yrs to 24 yrs, 4.50% for Policy Term 25+ yrs
2018-19	3.50% for Policy Term 15 yrs to 19 yrs, 4.0% for Policy Term 20 yrs to 24 yrs, 4.50% for Policy Term 25+ yrs
2019-20	3.50% for Policy Term 15 yrs to 19 yrs, 4.0% for Policy Term 20 yrs to 24 yrs, 4.50% for Policy Term 25+ yrs
2020-21	3.00% for Policy Term 15 yrs to 19 yrs, 3.50% for Policy Term 20 yrs to 24 yrs, 4.00% for Policy Term 25+ yrs
2021-22	3.00% for Policy Term 15 yrs to 19 yrs, 3.50% for Policy Term 20 yrs to 24 yrs, 4.00% for Policy Term 25+ yrs
2022-23	3.00% for Policy Term 15 yrs to 19 yrs, 3.50% for Policy Term 20 yrs to 24 yrs, 4.00% for Policy Term 25+ yrs

HDFC Life Super Income Plan

HDFC LIFE SUPER INCOME PLAN (UIN:101N098V01,101N098V02, 101N098V03, 101N098V04 , 101N098V05)
2013-14	4.50%
2014-15	4.50%
2015-16	5.00% for Policy Term 16-20 yrs and 5.50% for Policy Term 22-27 yrs
2016-17	4.50% for Policy Term 16 yrs to 20 yrs, 5.00% for Policy Term 22 yrs to 27 yrs
2017-18	4.50% for Policy Term 16 yrs to 20 yrs, 5.00% for Policy Term 22 yrs to 27 yrs
2018-19	4.50% for Policy Term 16 yrs to 20 yrs, 5.00% for Policy Term 22 yrs to 27 yrs
2019-20	4.50% for Policy Term 15 yrs to 20 yrs, 5.00% for Policy Term 22 yrs to 27 yrs
2020-21	4.00% for Policy Term 15 yrs to 20 yrs, 4.50% for Policy Term 22 yrs to 27 yrs
2021-22	4.00% for Policy Term 15 yrs to 20 yrs, 4.50% for Policy Term 22 yrs to 27 yrs
2022-23	4.00% for Policy Term 15 yrs to 20 yrs, 4.50% for Policy Term 22 yrs to 27 yrs

HDFC Life YoungStar Udaan

HDFC LIFE YOUNG STAR UDAAN (UIN: 101N099V01, 101N099V02, 101N099V03)
2014-15	3.50%
2015-16	4.00% for Policy Term 15-19 yrs and 4.50% for Policy Term 20-29 yrs
2016-17	3.50% for Policy Term 15 yrs to 19 yrs, 4.0% for Policy Term 20 yrs to 29 yrs
2017-18	3.50% for Policy Term 15 yrs to 19 yrs, 4.00% for Policy Term 20 yrs to 29 yrs
2018-19	3.50% for Policy Term 15 yrs to 19 yrs, 4.00% for Policy Term 20 yrs to 29 yrs
2019-20	3.50% for Policy Term 15 yrs to 19 yrs, 4.00% for Policy Term 20 yrs to 29 yrs
2020-21	3.00% for Policy Term 15 yrs to 19 yrs, 3.50% for Policy Term 20 yrs to 29 yrs
2021-22	3.00% for Policy Term 15 yrs to 19 yrs, 3.50% for Policy Term 20 yrs to 29 yrs
2022-23	3.00% for Policy Term 15 yrs to 19 yrs, 3.50% for Policy Term 20 yrs to 29 yrs

HDFC Life Sampoorn Samridhi Plus

HDFC LIFE SAMPOORN SAMRIDHI PLUS (UIN: 101N102V01,101N102V02, 101N102V03, 101N102V04, 101N102V05)
2014-15	3.50%
2015-16	4.00% for Policy Term 15-19 yrs, 4.50% for Policy Term 20-24 yrs and 5.00% for Policy Term > 25 yrs
2016-17	3.50% for Policy Term 15 yrs to 19 yrs, 4.50% for Policy Term 20 yrs to 24 yrs, 5.0% for Policy Term 25+ yrs
2017-18	3.50% for Policy Term 15 yrs to 19 yrs, 4.50% for Policy Term 20 yrs to 24 yrs, 5.00% for Policy Term 25+ yrs
2018-19	3.50% for Policy Term 15 yrs to 19 yrs, 4.50% for Policy Term 20 yrs to 24 yrs, 5.00% for Policy Term 25+ yrs
2019-20	3.50% for Policy Term 15 yrs to 19 yrs, 4.50% for Policy Term 20 yrs to 24 yrs, 5.00% for Policy Term 25+ yrs
2020-21	3.00% for Policy Term 15 yrs to 19 yrs, 4.00% for Policy Term 20 yrs to 24 yrs, 4.50% for Policy Term 25+ yrs
2021-22	3.00% for Policy Term 15 yrs to 19 yrs, 4.00% for Policy Term 20 yrs to 24 yrs, 4.50% for Policy Term 25+ yrs
2022-23	3.00% for Policy Term 15 yrs to 19 yrs, 4.00% for Policy Term 20 yrs to 24 yrs, 4.50% for Policy Term 25+ yrs

HDFC Life Uday

HDFC LIFE UDAY (UIN: 101N105V01,101N105V02, 101N105V03 , 101N105V04)
2015-16	3.60%
2016-17	3.6% for all Policy Terms
2017-18	3.60% for Policy Terms 12 yrs, 4.00% for Policy Term 15 yrs
2018-19	3.60% for Policy Terms 12 yrs, 4.00% for Policy Term 15 yrs
2019-20	3.60% for Policy Terms 12 yrs, 4.00% for Policy Term 15 yrs
2020-21	3.10% for Policy Terms 12 yrs, 3.50% for Policy Term 15 yrs
2021-22	3.10% for Policy Terms 12 yrs, 3.50% for Policy Term 15 yrs
2022-23	3.10% for Policy Terms 12 yrs, 3.50% for Policy Term 15 yrs

HDFC Life Pragati

DEFERMENT PERIOD*	DECLARED RB
DEFERMENT PERIOD*	LIMITED / REGULAR PAY	SINGLE PAY
0	1.25%	NA
1	1.50%	NA
2	1.75%	NA
3	2.00%	NA
4	2.25%	2.25%
5	2.50%	2.50%
6	2.75%	2.75%
7	3.00%	3.00%
8	3.25%	3.25%
9	3.50%	3.50%
10	3.75%	3.75%
11	4.00%	4.00%
12	4.25%	4.25%
13	4.50%	4.50%
14	4.75%	4.75%
15	5.00%	5.00%
16	NA	5.25%
17	NA	5.50%
18	NA	5.75%
19	NA	6.00%

Product	Deferment Period³	RB rates declared on 31^st March 2017	RB rates declared on 31^st March 2018
HDFC LIFE PRAGATI (UIN: 101N114V01, 101N114V02, 101N114V03, 101N114V04)	0 to 5	1.25% - 2.50%	2.50%
	6 to 10	2.75% - 3.75%	3.75%
	11 to 15	4.00% - 5.00%	5.00%
	16 and above	5.25% - 6.00%	6.00%

Product	Deferment Period³	RB/IB rates declared on 31^st March 2018	RB/IB rates proposed on 31^st March 2019
HDFC LIFE PRAGATI (UIN: 101N114V01, 101N114V02, 101N114V03, 101N114V04)	0 to 5	2.50%	2.50%
	6 to 10	3.75%	3.75%
	11 to 15	5.00%	5.00%
	16 and above	6.00%	6.00%

Product	Deferment Period³	RB/IB rates declared on 31^st March 2019	RB/IB rates proposed on 31^st March 2020
HDFC LIFE PRAGATI (UIN: 101N114V01, 101N114V02, 101N114V03, 101N114V04)	0 to 5	2.50%	2.50%
	6 to 10	3.75%	3.75%
	11 to 15	5.00%	5.00%
	16 and above	6.00%	6.00%

Product	Deferment Period¹*	RB/IB rates declared on 31st March 2020	RB/IB rates proposed on 31st March 2021
HDFC LIFE PRAGATI (UIN: 101N114V01, 101N114V02, 101N114V03, 101N114V04)	0 to 5	2.50%	2.00%
	6 to 10	3.75%	3.25%
	11 to 15	5.00%	4.50%
	16 and above	6.00%	5.50%

Product	Deferment Period³	RB/IB rates declared on 31st March 2021	RB/IB rates proposed on 31st March 2022
HDFC LIFE PRAGATI (UIN: 101N114V01, 101N114V02, 101N114V03, 101N114V04)	0 to 5	2.00%	2.00%
	6 to 10	3.25%	3.25%
	11 to 15	4.50%	4.50%
	16 and above	5.50%	5.50%

Product	Deferment Period³	RB/IB rates declared on 31st March 2022	RB/IB rates proposed on 31st March 2023
HDFC LIFE PRAGATI (UIN: 101N114V01, 101N114V02, 101N114V03, 101N114V04)	0 to 5	2.00%	2.00%
	6 to 10	3.25%	3.25%
	11 to 15	4.50%	4.50%
	16 and above	5.50%	5.50%

HDFC Life Systematic Pension Plan⁴

HDFC Life Systematic Pension Plan⁴(UIN : 101N144V01 , 101N144V02)
2022-23	4.00%

HDFC Life Secured Income Insurance Plus

HDFC Life Secured Income Insurance Plus (UIN:101N147V01)
2019-2020	7.0% Simple Reversionary Bonus
2020-2021	7.0% Simple Reversionary Bonus
2021-2022	7.0% Simple Reversionary Bonus
2022-2023	7.0% Simple Reversionary Bonus

HDFC Life New Fulfilling Life

HDFC Life New Fulfilling Life (UIN:101N149V01)
2019-2020	7.5% Simple Reversionary Bonus
2020-2021	7.5% Simple Reversionary Bonus
2021-2022	7.5% Simple Reversionary Bonus
2022-2023	7.5% Simple Reversionary Bonus

HDFC Life Assured Gain Plus

HDFC Life Assured Gain Plus (UIN: 101N151V02)
2019-2020	6.0% Simple Reversionary Bonus
2020-2021	6.0% Simple Reversionary Bonus
2021-2022	6.0% Simple Reversionary Bonus
2022-2023	6.0% Simple Reversionary Bonus

HDFC Life Secured Income Insurance RP

HDFC Life Secured Income Insurance RP (UIN:101N148V01)
2019-2020	5.0% Simple Reversionary Bonus
2020-2021	5.0% Simple Reversionary Bonus
2021-2022	5.0% Simple Reversionary Bonus
2022-2023	5.0% Simple Reversionary Bonus

HDFC Life Income Advantage Plan

HDFC Life Income Advantage Plan (101N151V02)
2019-2020	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus
2020-2021	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus
2021-2022	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus
2022-2023	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus

HDFC Life New Creating Life Insurance Plus

HDFC Life New Creating Life Insurance Plus (UIN:101N168V01)
2019-2020	7.0% Simple Reversionary Bonus
2020-2021	7.0% Simple Reversionary Bonus
2021-2022	7.0% Simple Reversionary Bonus
2022-2023	7.0% Simple Reversionary Bonus

HDFC Life New Creating Life Insurance Regular Pay

HDFC Life New Creating Life Insurance Regular Pay (UIN:101N150V01)
2019-2020	5.0% Simple Reversionary Bonus
2020-2021	5.0% Simple Reversionary Bonus
2021-2022	5.0% Simple Reversionary Bonus
2022-2023	5.0% Simple Reversionary Bonus

HDFC Life Sampoorna Jeevan

HDFC Life Sampoorna Jeevan (UIN:101N58V01, 101N158V02)
2019-2020	Bonus Option 1 : 8% p.a. Simple Reversionary Bonus Bonus Option 2 : 6% p.a. Simple Reversionary Income Bonus Bonus Option 3 : 4% p.a. Cash Bonus Bonus Option 4 : Simple Reversionary Bonus - 4% p.a. & Cash Bonus – 4% p.a. Bonus Option 5 : Simple Reversionary Income Bonus - 4% p.a. & Cash Bonus – 2% p.a.
2020-2021	Bonus Option 1 : 8% p.a. Simple Reversionary Bonus Bonus Option 2 : 6% p.a. Simple Reversionary Income Bonus Bonus Option 3 : 4% p.a. Cash Bonus Bonus Option 4 : Simple Reversionary Bonus - 4% p.a. & Cash Bonus – 4% p.a. Bonus Option 5 : Simple Reversionary Income Bonus - 4% p.a. & Cash Bonus – 2% p.a.
2021-2022	Bonus Option 1 : 8% p.a. Simple Reversionary Bonus Bonus Option 2 : 6% p.a. Simple Reversionary Income Bonus Bonus Option 3 : 4% p.a. Cash Bonus Bonus Option 4 : Simple Reversionary Bonus - 4% p.a. & Cash Bonus – 4% p.a. Bonus Option 5 : Simple Reversionary Income Bonus - 4% p.a. & Cash Bonus – 2% p.a.
2022-2023	Bonus Option 1 : 8% p.a. Simple Reversionary Bonus Bonus Option 2 : 6% p.a. Simple Reversionary Income Bonus Bonus Option 3 : 4% p.a. Cash Bonus Bonus Option 4 : Simple Reversionary Bonus - 4% p.a. & Cash Bonus – 4% p.a. Bonus Option 5 : Simple Reversionary Income Bonus - 4% p.a. & Cash Bonus – 2% p.a.

HDFC Life Smart Income Plan

HDFC Life Smart Income Plan (UIN:101N166V01)
2021-2022	Option 1 : 8.5% p.a. Simple Reversionary Bonus Option 2 : 5.5% p.a. Simple Reversionary Income Bonus
2022-2023	Option 1 : 8.5% p.a. Simple Reversionary Bonus Option 2 : 5.5% p.a. Simple Reversionary Income Bonus

Reversionary Bonus Rates for formerly Exide Life Products

Exide Life Creating Life Child Protection Plan¹

Exide Life Creating Life Child Protection Plan (UIN : 114N011V01)
2002-2003	2% Compound Reversionary Bonus
2003-2004	2% Compound Reversionary Bonus
2004-2005	2% Compound Reversionary Bonus
2005-2006	2% Compound Reversionary Bonus
2006-2007	2% Compound Reversionary Bonus
2007-2008	2% Compound Reversionary Bonus
2008-2009	1.7% Compound Reversionary Bonus
2009-2010	2% Compound Reversionary Bonus
2010-2011	2% Compound Reversionary Bonus
2011-2012	2% Compound Reversionary Bonus
2012-2013	2% Compound Reversionary Bonus
2013-2014	2% Compound Reversionary Bonus
2014-2015	2% Compound Reversionary Bonus
2015-2016	2% Compound Reversionary Bonus
2016-2017	2% Compound Reversionary Bonus
2017-2018	2% Compound Reversionary Bonus
2018-2019	2% Compound Reversionary Bonus
2019-2020	2% Compound Reversionary Bonus
2020-2021	2% Compound Reversionary Bonus
2021-2022	2% Compound Reversionary Bonus
2022-2023	2% Compound Reversionary Bonus

Exide Life Reassuring Life Endowment Plan with Reversionary Bonus¹

Exide Life Reassuring Life Endowment Plan with Reversionary Bonus (UIN : 114N009V01)
2002-2003	2% Compound Reversionary Bonus
2003-2004	2% Compound Reversionary Bonus
2004-2005	2% Compound Reversionary Bonus
2005-2006	2% Compound Reversionary Bonus
2006-2007	2% Compound Reversionary Bonus
2007-2008	2% Compound Reversionary Bonus
2008-2009	1.7% Compound Reversionary Bonus
2009-2010	2% Compound Reversionary Bonus
2010-2011	2% Compound Reversionary Bonus
2011-2012	2% Compound Reversionary Bonus
2012-2013	2% Compound Reversionary Bonus
2013-2014	2% Compound Reversionary Bonus
2014-2015	2% Compound Reversionary Bonus
2015-2016	2% Compound Reversionary Bonus
2016-2017	2% Compound Reversionary Bonus
2017-2018	2% Compound Reversionary Bonus
2018-2019	2% Compound Reversionary Bonus
2019-2020	2% Compound Reversionary Bonus
2020-2021	2% Compound Reversionary Bonus
2021-2022	2% Compound Reversionary Bonus
2022-2023	2% Compound Reversionary Bonus

Exide Life Fulfilling Life Anticipated Whole Life Plan

Exide Life Fulfilling Life Anticipated Whole Life Plan (UIN : 114N003V01)
2001-2002	6.5% Simple Reversionary Bonus
2002-2003	6.5% Simple Reversionary Bonus
2003-2004	6.5% Simple Reversionary Bonus
2004-2005	6.5% Simple Reversionary Bonus
2005-2006	6.5% Simple Reversionary Bonus
2006-2007	6.5% Simple Reversionary Bonus
2007-2008	6.5% Simple Reversionary Bonus
2008-2009	5.25% Simple Reversionary Bonus
2009-2010	6.5% Simple Reversionary Bonus
2010-2011	6.5% Simple Reversionary Bonus
2011-2012	6.5% Simple Reversionary Bonus
2012-2013	6.5% Simple Reversionary Bonus
2013-2014	6.5% Simple Reversionary Bonus
2014-2015	6.5% Simple Reversionary Bonus
2015-2016	6.5% Simple Reversionary Bonus
2016-2017	6.5% Simple Reversionary Bonus
2017-2018	6.5% Simple Reversionary Bonus
2018-2019	6.5% Simple Reversionary Bonus
2019-2020	6.5% Simple Reversionary Bonus
2020-2021	6.5% Simple Reversionary Bonus
2021-2022	6.5% Simple Reversionary Bonus
2022-2023	6.5% Simple Reversionary Bonus

Exide Life Creating Life Money Back Plan

Exide Life Creating Life Money Back Plan (UIN : 114N023V01)
2005-2006	4% Simple Reversionary Bonus
2006-2007	4% Simple Reversionary Bonus
2007-2008	4% Simple Reversionary Bonus
2008-2009	3.6% Simple Reversionary Bonus
2009-2010	4% Simple Reversionary Bonus
2010-2011	4% Simple Reversionary Bonus
2011-2012	4% Simple Reversionary Bonus
2012-2013	4% Simple Reversionary Bonus
2013-2014	4% Simple Reversionary Bonus
2014-2015	4% Simple Reversionary Bonus
2015-2016	4% Simple Reversionary Bonus
2016-2017	4% Simple Reversionary Bonus
2017-2018	4% Simple Reversionary Bonus
2018-2019	4% Simple Reversionary Bonus
2019-2020	4% Simple Reversionary Bonus
2020-2021	4% Simple Reversionary Bonus
2021-2022	4% Simple Reversionary Bonus
2022-2023	4% Simple Reversionary Bonus

Exide Life Powering Life Limited Payment Endowment Plan

Exide Life Powering Life Limited Payment Endowment Plan (UIN : 114N010V01)
2002-2003	7.5% Simple Reversionary Bonus
2003-2004	7.5% Simple Reversionary Bonus
2004-2005	7.5% Simple Reversionary Bonus
2005-2006	7.5% Simple Reversionary Bonus
2006-2007	7.5% Simple Reversionary Bonus
2007-2008	7.5% Simple Reversionary Bonus
2008-2009	6.75% Simple Reversionary Bonus
2009-2010	7.5% Simple Reversionary Bonus
2010-2011	7.5% Simple Reversionary Bonus
2011-2012	7.5% Simple Reversionary Bonus
2012-2013	7.5% Simple Reversionary Bonus
2013-2014	7.5% Simple Reversionary Bonus
2014-2015	7.5% Simple Reversionary Bonus
2015-2016	7.5% Simple Reversionary Bonus
2016-2017	7.5% Simple Reversionary Bonus
2017-2018	7.5% Simple Reversionary Bonus
2018-2019	7.5% Simple Reversionary Bonus
2019-2020	7.5% Simple Reversionary Bonus
2020-2021	7.5% Simple Reversionary Bonus
2021-2022	7.5% Simple Reversionary Bonus
2022-2023	7.5% Simple Reversionary Bonus

Exide Life Safal Jeevan Endowment Plan¹

Exide Life Safal Jeevan Endowment Plan (UIN : 114N015V01)
2004-2005	2% Compound Reversionary Bonus
2005-2006	2% Compound Reversionary Bonus
2006-2007	2% Compound Reversionary Bonus
2007-2008	2% Compound Reversionary Bonus
2008-2009	1.7% Compound Reversionary Bonus
2009-2010	2% Compound Reversionary Bonus
2010-2011	2% Compound Reversionary Bonus
2011-2012	2% Compound Reversionary Bonus
2012-2013	2% Compound Reversionary Bonus
2013-2014	2% Compound Reversionary Bonus
2014-2015	2% Compound Reversionary Bonus
2015-2016	2% Compound Reversionary Bonus
2016-2017	2% Compound Reversionary Bonus
2017-2018	2% Compound Reversionary Bonus
2018-2019	2% Compound Reversionary Bonus
2019-2020	2% Compound Reversionary Bonus
2020-2021	2% Compound Reversionary Bonus
2021-2022	2% Compound Reversionary Bonus
2022-2023	2% Compound Reversionary Bonus

Exide Life Jeevan Uday

Exide Life Jeevan Uday (UIN : 114N074V01)
2014-2015	7% Simple Reversionary Bonus
2015-2016	7% Simple Reversionary Bonus
2016-2017	7% Simple Reversionary Bonus
2017-2018	7% Simple Reversionary Bonus
2018-2019	7% Simple Reversionary Bonus
2019-2020	7% Simple Reversionary Bonus
2020-2021	7% Simple Reversionary Bonus
2021-2022	7% Simple Reversionary Bonus
2022-2023	7% Simple Reversionary Bonus

Exide Life My Retirement Plan

Exide Life My Retirement Plan (UIN : 114N103V01)
2018-2019	8% Simple Reversionary Bonus
2019-2020	8% Simple Reversionary Bonus
2020-2021	8% Simple Reversionary Bonus
2021-2022	8% Simple Reversionary Bonus
2022-2023	8% Simple Reversionary Bonus

Exide Life Rewarding Life Whole of Life Plan¹

Exide Life Rewarding Life Whole of Life Plan (UIN : 114N005V01)
2001-2002	4% Compound Reversionary Bonus
2002-2003	4% Compound Reversionary Bonus
2003-2004	4% Compound Reversionary Bonus
2004-2005	4% Compound Reversionary Bonus
2005-2006	4% Compound Reversionary Bonus
2006-2007	4% Compound Reversionary Bonus
2007-2008	4% Compound Reversionary Bonus
2008-2009	3.6% Compound Reversionary Bonus
2009-2010	4% Compound Reversionary Bonus
2010-2011	4% Compound Reversionary Bonus
2011-2012	4% Compound Reversionary Bonus
2012-2013	4% Compound Reversionary Bonus
2013-2014	4% Compound Reversionary Bonus
2014-2015	4% Compound Reversionary Bonus
2015-2016	4% Compound Reversionary Bonus
2016-2017	4% Compound Reversionary Bonus
2017-2018	4% Compound Reversionary Bonus
2018-2019	4% Compound Reversionary Bonus
2019-2020	4% Compound Reversionary Bonus
2020-2021	4% Compound Reversionary Bonus
2021-2022	4% Compound Reversionary Bonus
2022-2023	4% Compound Reversionary Bonus

Exide Life Safal Jeevan Money Back Plan¹

Exide Life Safal Jeevan Money Back Plan (UIN : 114N022V01)
2005-2006	2% Compound Reversionary Bonus
2006-2007	2% Compound Reversionary Bonus
2007-2008	1.7% Compound Reversionary Bonus
2008-2009	2% Compound Reversionary Bonus
2009-2010	2% Compound Reversionary Bonus
2010-2011	2% Compound Reversionary Bonus
2011-2012	2% Compound Reversionary Bonus
2012-2013	2% Compound Reversionary Bonus
2013-2014	2% Compound Reversionary Bonus
2014-2015	2% Compound Reversionary Bonus
2015-2016	2% Compound Reversionary Bonus
2016-2017	2% Compound Reversionary Bonus
2017-2018	2% Compound Reversionary Bonus
2018-2019	2% Compound Reversionary Bonus
2019-2020	2% Compound Reversionary Bonus
2020-2021	2% Compound Reversionary Bonus
2021-2022	2% Compound Reversionary Bonus
2022-2023	2% Compound Reversionary Bonus

Exide Life My Money Back Plan

Exide Life My Money Back Plan (UIN : 114N088V01)
2017-2018	4% Simple Reversionary Bonus
2018-2019	4% Simple Reversionary Bonus
2019-2020	4% Simple Reversionary Bonus
2020-2021	4% Simple Reversionary Bonus
2021-2022	4% Simple Reversionary Bonus
2022-2023	4% Simple Reversionary Bonus

Exide Life Assured Gain Plus

Exide Life Assured Gain Plus (UIN : 114N073V01)
2014-2015	5% Simple Reversionary Bonus
2015-2016	5% Simple Reversionary Bonus
2016-2017	5% Simple Reversionary Bonus
2017-2018	5% Simple Reversionary Bonus
2018-2019	5% Simple Reversionary Bonus
2019-2020	5% Simple Reversionary Bonus
2020-2021	5% Simple Reversionary Bonus
2021-2022	5% Simple Reversionary Bonus
2022-2023	5% Simple Reversionary Bonus

Exide Life New Fulfilling Life Anticipated Whole Life Plan

Exide Life New Fulfilling Life Anticipated Whole Life Plan (114N024V01)
2005-2006	6% Simple Reversionary Bonus
2006-2007	7.5% Simple Reversionary Bonus
2007-2008	7.5% Simple Reversionary Bonus
2008-2009	7.5% Simple Reversionary Bonus
2009-2010	7.5% Simple Reversionary Bonus
2010-2011	7.5% Simple Reversionary Bonus
2011-2012	7.5% Simple Reversionary Bonus
2012-2013	7.5% Simple Reversionary Bonus
2013-2014	7.5% Simple Reversionary Bonus
2014-2015	7.5% Simple Reversionary Bonus
2015-2016	7.5% Simple Reversionary Bonus
2016-2017	7.5% Simple Reversionary Bonus
2017-2018	7.5% Simple Reversionary Bonus
2018-2019	7.5% Simple Reversionary Bonus
2019-2020	7.5% Simple Reversionary Bonus
2020-2021	7.5% Simple Reversionary Bonus
2021-2022	7.5% Simple Reversionary Bonus
2022-2023	7.5% Simple Reversionary Bonus

Exide Life New Fulfilling Life

Exide Life New Fulfilling Life (UIN:114N024V02, 114N024V03)
2012-2013	7.5% Simple Reversionary Bonus
2013-2014	7.5% Simple Reversionary Bonus
2014-2015	7.5% Simple Reversionary Bonus
2015-2016	7.5% Simple Reversionary Bonus
2016-2017	7.5% Simple Reversionary Bonus
2017-2018	7.5% Simple Reversionary Bonus
2018-2019	7.5% Simple Reversionary Bonus
2019-2020	7.5% Simple Reversionary Bonus
2020-2021	7.5% Simple Reversionary Bonus
2021-2022	7.5% Simple Reversionary Bonus
2022-2023	7.5% Simple Reversionary Bonus

Exide Life New Creating Life Insurance Plus

Exide Life New Creating Life Insurance Plus (UIN:114N071V01)
2013-2014	7.0% Simple Reversionary Bonus
2014-2015	7.0% Simple Reversionary Bonus
2015-2016	7.0% Simple Reversionary Bonus
2016-2017	7.0% Simple Reversionary Bonus
2017-2018	7.0% Simple Reversionary Bonus
2018-2019	7.0% Simple Reversionary Bonus
2019-2020	7.0% Simple Reversionary Bonus
2020-2021	7.0% Simple Reversionary Bonus
2021-2022	7.0% Simple Reversionary Bonus
2022-2023	7.0% Simple Reversionary Bonus

Exide Life New Creating Life Insurance Regular Pay

Exide Life New Creating Life Insurance Regular Pay (UIN:114N072V01)
2013-2014	5.0% Simple Reversionary Bonus
2014-2015	5.0% Simple Reversionary Bonus
2015-2016	5.0% Simple Reversionary Bonus
2016-2017	5.0% Simple Reversionary Bonus
2017-2018	5.0% Simple Reversionary Bonus
2018-2019	5.0% Simple Reversionary Bonus
2019-2020	5.0% Simple Reversionary Bonus
2020-2021	5.0% Simple Reversionary Bonus
2021-2022	5.0% Simple Reversionary Bonus
2022-2023	5.0% Simple Reversionary Bonus

Exide Life Secured Income Insurance Plus

Exide Life Secured Income Insurance Plus (UIN:114N061V01)
2012-2013	7.0% Simple Reversionary Bonus
2013-2014	7.0% Simple Reversionary Bonus
2014-2015	7.0% Simple Reversionary Bonus
2015-2016	7.0% Simple Reversionary Bonus
2016-2017	7.0% Simple Reversionary Bonus
2017-2018	7.0% Simple Reversionary Bonus
2018-2019	7.0% Simple Reversionary Bonus
2019-2020	7.0% Simple Reversionary Bonus
2020-2021	7.0% Simple Reversionary Bonus
2021-2022	7.0% Simple Reversionary Bonus
2022-2023	7.0% Simple Reversionary Bonus

Exide Life Secured Income Insurance Plus

Exide Life Secured Income Insurance Plus (UIN:114N061V02)
2013-2014	7.0% Simple Reversionary Bonus
2014-2015	7.0% Simple Reversionary Bonus
2015-2016	7.0% Simple Reversionary Bonus
2016-2017	7.0% Simple Reversionary Bonus
2017-2018	7.0% Simple Reversionary Bonus
2018-2019	7.0% Simple Reversionary Bonus
2019-2020	7.0% Simple Reversionary Bonus
2020-2021	7.0% Simple Reversionary Bonus
2021-2022	7.0% Simple Reversionary Bonus
2022-2023	7.0% Simple Reversionary Bonus

Exide Life Secured Income Insurance RP

Exide Life Secured Income Insurance RP (UIN:114N060V01)
2012-2013	5.0% Simple Reversionary Bonus
2013-2014	5.0% Simple Reversionary Bonus
2014-2015	5.0% Simple Reversionary Bonus
2015-2016	5.0% Simple Reversionary Bonus
2016-2017	5.0% Simple Reversionary Bonus
2017-2018	5.0% Simple Reversionary Bonus
2018-2019	5.0% Simple Reversionary Bonus
2019-2020	5.0% Simple Reversionary Bonus
2020-2021	5.0% Simple Reversionary Bonus
2021-2022	5.0% Simple Reversionary Bonus
2022-2023	5.0% Simple Reversionary Bonus

Exide Life Secured Income Insurance RP

Exide Life Secured Income Insurance RP (UIN:114N060V02)
2013-2014	5.0% Simple Reversionary Bonus
2014-2015	5.0% Simple Reversionary Bonus
2015-2016	5.0% Simple Reversionary Bonus
2016-2017	5.0% Simple Reversionary Bonus
2017-2018	5.0% Simple Reversionary Bonus
2018-2019	5.0% Simple Reversionary Bonus
2019-2020	5.0% Simple Reversionary Bonus
2020-2021	5.0% Simple Reversionary Bonus
2021-2022	5.0% Simple Reversionary Bonus
2022-2023	5.0% Simple Reversionary Bonus

Exide Life Reassuring Life Endowment Plan

Exide Life Reassuring Life Endowment Plan (UIN : 114N001V01)
2022-2023	5% of Annualised premium payable on 1st Policy anniversary and thereafter increasing @ 15% p.a.

Exide Life Maximising Life Money Back Plan

Exide Life Maximising Life Money Back Plan (UIN : 114N002V01)
2022-2023	5% of Annualised premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.

Exide Life Income Advantage Plan

Exide Life Income Advantage Plan (114N082V01)
2016-2017	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus
2017-2018	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus
2018-2019	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus
2019-2020	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus
2020-2021	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus
2021-2022	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus
2022-2023	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus

Exide Life Income Advantage Plan

Exide Life Income Advantage Plan (114N082V02)
2019-2020	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus
2020-2021	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus
2021-2022	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus
2022-2023	Option A: 4.5% Simple Reversionary Bonus Option B: 5.00% Simple Reversionary Bonus

Exide Life Platinum Life Plan^{^^}

Exide Life Platinum Life Plan (114N020V01)
2007-2008	0.5% p.a. over and above the guaranteed bonus rate of 5%
2008-2009	0.5% p.a. over and above the guaranteed bonus rate of 5%
2009-2010	0.5% p.a. over and above the guaranteed bonus rate of 5%
2010-2011	0.5% p.a. over and above the guaranteed bonus rate of 5%
2011-2012	0.5% p.a. over and above the guaranteed bonus rate of 5%
2012-2013	0.5% p.a. over and above the guaranteed bonus rate of 5%
2013-2014	0.5% p.a. over and above the guaranteed bonus rate of 5%
2014-2015	0.5% p.a. over and above the guaranteed bonus rate of 5%
2015-2016	0.5% p.a. over and above the guaranteed bonus rate of 5%
2016-2017	0.5% p.a. over and above the guaranteed bonus rate of 5%
2017-2018	0.5% p.a. over and above the guaranteed bonus rate of 5%
2018-2019	0.5% p.a. over and above the guaranteed bonus rate of 5%
2019-2020	0.5% p.a. over and above the guaranteed bonus rate of 5%
2020-2021	0.5% p.a. over and above the guaranteed bonus rate of 5%
2021-2022	0.5% p.a. over and above the guaranteed bonus rate of 5%
2022-2023	0.5% p.a. over and above the guaranteed bonus rate of 5%

RB on SPWL, Creating Life Child Protection Plan, Reassuring Life Endowment with Reversionary Bonus, Safal Jeevan Endowment, Rewarding Life Whole of Life Plan and Safal Jeevan Money Back Plan is on compound basis, while on all other products RB is on simple basis
The policies under Sampoorn Samridhi product are eligible for Reversionary Bonus only after 3 years premiums are paid
Deferment period = Policy term – Premium payment term.
RB on Systematic Pension Plan is a % of Annualised Premium, while on all other products RB is a % of Sum Assured
RB Rates mentioned are since inception of the product. Also, the RB Rates are declared every year for the period 1st April to 31st March.
IB rates are applicable for the eligible policies exiting during the period from 1st July 2023 to 30th June 2024

^^Simple Reversionary Bonus over and above Simple Guaranteed Bonus rate of 5% p.a. The Guaranteed addition is applicable for first five policy years

2 Terminal Bonus Rates

Terminal Bonus Rates for HDFC Life

HDFC Money Back

HDFC MONEY BACK (UIN :101N002V01)
Bonus Declaration: 31st March 2010*	4.00%
Bonus Declaration: 31st March 2011*	10.00%
Bonus Declaration: 31st March 2012**	12.50%
Bonus Declaration: 31st March 2013**	12.50%
Bonus Declaration: 31st March 2014**	13.00%
Bonus Declaration: 31st March 2015**	13.50% for Policy Term 10 yrs and 28% for Policy Term 15 yrs
Bonus Declaration: 31st March 2016**	13.50% for Policy Term 10 yrs and 30.00% for Policy Term 15 yrs

Product	Policy Term / Duration	TB rates for BY’17	TB rates for BY’18 (for deaths and surrenders)	TB rates for BY’18 (for maturities)
Money Back(UIN: 101N002V01)	10	13.50%	15.00%	15.00%
Money Back(UIN: 101N002V01)	15	30.00%	37.00%	40.00%

Product Name	Policy Term	Maturity TB Rates F.Y 2019	Maturity TB Rates F.Y 2020	Surrender/Death TB Rates F.Y 2019	Surrender/Death TB Rates F.Y 2020
HDFC Money Back (UIN :101N002V01)	10	16.00%	16.50%	16.00%	16.00%
	11	NA	21.00%	21.00%	21.00%
	12	NA	26.00%	26.00%	26.00%
	13	NA	31.00%	31.00%	31.00%
	14	NA	36.00%	36.00%	36.00%
	15	41.00%	43.50%	37.00%	37.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2021	Maturity TB Rates F.Y 2021
HDFC Money Back	11	21.00%	NA
	12	26.00%	NA
	13	31.00%	NA
	14	36.00%	NA
	15	37.00%	44.00%
	16	43.50%	NA
	17	50.00%	NA
	18	56.75%	NA
	19	63.25%	NA
	20	69.75%	69.75%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2022	Maturity TB Rates F.Y 2022
HDFC Money Back	11	21.00%	NA
	12	26.00%	NA
	13	31.00%	NA
	14	36.00%	NA
	15	37.00%	44.00%
	16	42.50%	NA
	17	48.00%	NA
	18	53.50%	NA
	19	59.00%	NA
	20	69.75%	71.75%
	21	NA	71.75%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC Money Back	11	21.00%	NA
	12	26.00%	NA
	13	31.00%	NA
	14	36.00%	NA
	15	36.00%	42.00%
	16	42.50%	NA
	17	48.00%	NA
	18	53.50%	NA
	19	59.00%	NA
	20	70.50%	73.25%
	21	70.50%	NA
	22	NA	NA

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC Money Back	11	20.75%	NA
	12	25.75%	NA
	13	30.75%	NA
	14	35.75%	NA
	15	35.75%	41.75%
	16	42.25%	NA
	17	47.75%	NA
	18	53.25%	NA
	19	58.75%	NA
	20	70.50%	74.25%
	21	70.50%	NA
	22	71.50%	NA
	23	71.50%	NA

HDFC Children's Plan

HDFC CHILDREN’S PLAN (UIN: 101N010V01)
Bonus Declaration: 31st March 2012**	8.50%
Bonus Declaration: 31st March 2013**	8.50%
Bonus Declaration: 31st March 2014**	9.5%
Bonus Declaration: 31st March 2015**	9.5% for Policy Term 10-12 yrs and 15% for Policy Term 13-15 yrs
Bonus Declaration: 31st March 2016**	10.00% for Policy Term 10 yrs, 12.00% for Policy Term 11 yrs, 14.50% for Policy Term 12 yrs, 16.50% for Policy Term 13 yrs and 18.00% for Policy Term 14 yrs

Product	Policy Term / Duration	TB rates for BY’17	TB rates for BY’18 (for deaths and surrenders)	TB rates for BY’18 (for maturities)
HDFC Children’s Plan (UIN: 101N010V01)	10	10.00%	11.00%	11.00%
	11	12.00%	12.50%	12.50%
	12	14.50%	15.00%	15.00%
	13	16.50%	17.50%	17.50%
	14	18.00%	21.00%	22.00%
	15	NA	24.00%	28.00%

Product Name	Policy Term	Maturity TB Rates F.Y 2019	Maturity TB Rates F.Y 2020	Surrender/Death TB RatesF.Y 2019	Surrender/Death TB Rates F.Y 2020
HDFC Children’s Plan (UIN: 101N010V01)	10	11.00%	11.50%	11.00%	11.00%
	11	12.50%	12.75%	12.50%	12.50%
	12	16.00%	16.25%	16.00%	16.00%
	13	19.00%	19.25%	19.00%	19.00%
	14	24.00%	25.00%	22.00%	22.00%
	15	30.00%	31.25%	24.00%	24.00%
	16	32.00%	33.75%	26.00%	26.00%
	17	NA	35.50%	NA	28.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2021	Maturity TB Rates F.Y 2021
HDFC Children’s Plan
	10	11.00%	11.50%
	11	12.50%	13.00%
	12	16.00%	16.25%
	13	19.00%	19.25%
	14	22.00%	25.00%
	15	24.00%	31.25%
	16	26.00%	34.50%
	17	28.00%	36.50%
	18	34.50%	37.00%
	19	36.00%	37.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2022	Maturity TB Rates F.Y 2022
HDFC Children’s Plan	10	10.50%	11.00%
	11	12.50%	13.00%
	12	16.00%	16.25%
	13	19.00%	19.25%
	14	22.00%	25.00%
	15	23.25%	30.00%
	16	26.00%	34.50%
	17	28.00%	36.50%
	18	34.50%	39.00%
	19	36.00%	39.50%
	20	NA	39.50%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC Children’s Plan	10	10.00%	10.00%
	11	12.00%	12.00%
	12	14.25%	14.50%
	13	17.25%	17.50%
	14	21.25%	23.50%
	15	21.75%	27.00%
	16	23.75%	30.00%
	17	26.25%	33.00%
	18	32.75%	35.50%
	19	36.00%	39.50%
	20	38.25%	41.00%
	21	NA	41.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC Children’s Plan	10	9.00%	9.00%
	11	10.00%	10.50%
	12	14.00%	14.25%
	13	17.00%	17.25%
	14	20.25%	22.50%
	15	20.75%	26.00%
	16	22.75%	29.00%
	17	25.25%	32.00%
	18	31.75%	34.50%
	19	35.00%	38.50%
	20	37.75%	40.50%
	21	39.25%	42.00%
	22	NA	42.00%

HDFC Endowment Assurance

HDFC ENDOWMENT ASSURANCE (UIN: 101N001V01 & 101N001V02)
Bonus Declaration: 31st March 2011*	10.00%
Bonus Declaration: 31st March 2012**	8.50%
Bonus Declaration: 31st March 2013**	8.50%
Bonus Declaration: 31st March 2014**	9.5% for Policy Term 10-12 yrs and 10% for Policy Term > 12 yrs
Bonus Declaration: 31st March 2015**	10.50% for Policy Term 10-12 yrs and 15% for Policy Term > 12 yrs
Bonus Declaration: 31st March 2016**	11.00% for Policy Term 10 yrs, 12.50% for Policy Term 11 yrs, 15.00% for Policy Term 12 yrs, 17.50% for Policy Term 13 yrs, 20.00% for Policy Term 14 yrs, 23.00% for Policy Term 15 yrs and 25.00% for Policy Term 16 yrs

Product	Policy Term / Duration	TB rates for BY’17	TB rates for BY’18 (for deaths and surrenders)	TB rates for BY’18 (for maturities)
HDFC Endowment Assurance	10	11.00%	12.00%	12.00%
	11	12.50%	14.00%	14.00%
	12	15.00%	16.00%	16.00%
	13	17.50%	20.00%	20.00%
	14	20.00%	24.00%	26.00%
	15	23.00%	28.00%	31.50%
	16	25.00%	32.00%	33.50%
	17	NA	35.00%	37.00%

Product Name	Policy Term	Maturity TB Rates F.Y 2019	Maturity TB Rates F.Y 2020	Surrender/Death TB RatesF.Y 2019	Surrender/Death TB Rates F.Y 2020
HDFC Endowment Assurance (UIN: 101N001V01 & 101N001V02)	10	13.50%	15.50%	13.50%	13.50%
	11	14.50%	16.50%	14.50%	14.50%
	12	17.00%	19.00%	16.00%	16.00%
	13	21.00%	21.50%	20.00%	20.00%
	14	27.00%	27.75%	24.00%	24.00%
	15	34.00%	35.25%	30.00%	30.00%
	16	36.00%	37.75%	32.00%	32.00%
	17	40.00%	46.00%	36.00%	36.00%
	18	44.00%	46.00%	40.00%	40.00%
	19	NA	50.00%	NA	44.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2021	Maturity TB Rates F.Y 2021
HDFC Endowment Assurance
	10	13.50%	15.5%
	11	14.50%	17.0%
	12	16.00%	19.0%
	13	20.00%	21.5%
	14	24.00%	27.75%
	15	30.00%	36.25%
	16	32.00%	39.25%
	17	36.00%	48.0%
	18	40.00%	52.00%
	19	44.00%	56.00%
	20	48.00%	59.00%
	20	52.00%	59.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2022	Maturity TB Rates F.Y 2022
HDFC Endowment Assurance	10	13.50%	15.50%
	11	14.50%	17.00%
	12	16.00%	19.00%
	13	20.00%	21.50%
	14	24.00%	27.75%
	15	30.00%	36.25%
	16	32.00%	39.25%
	17	36.00%	48.00%
	18	40.00%	52.00%
	19	44.00%	56.00%
	20	48.00%	59.50%
	21	52.00%	66.00%
	22	NA	66.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC Endowment Assurance	10	13.25%	15.00%
	11	14.00%	16.00%
	12	15.00%	17.00%
	13	19.25%	19.75%
	14	23.25%	26.00%
	15	29.75%	35.50%
	16	31.25%	37.75%
	17	34.50%	45.00%
	18	35.50%	49.00%
	19	43.00%	54.00%
	20	47.50%	58.50%
	21	52.00%	66.00%
	22	60.00%	66.00%
	23	NA	66.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC Endowment Assurance	10	11.75%	13.50%
	11	13.00%	15.00%
	12	14.00%	16.00%
	13	18.00%	18.50%
	14	22.25%	25.00%
	15	29.00%	34.75%
	16	30.75%	37.25%
	17	33.50%	44.00%
	18	35.00%	48.50%
	19	42.50%	53.50%
	20	46.00%	57.00%
	21	50.00%	64.00%
	22	60.00%	68.00%
	23	67.50%	73.50%
	24	NA	73.50%

HDFC Personal Pension Plan (Regular Premium)

HDFC PERSONAL PENSION PLAN -RP (UIN: 101N008V01)
Bonus Declaration: 31st March 2011*	10.00%
Bonus Declaration: 31st March 2012**	12.50%
Bonus Declaration: 31st March 2013**	12.50%
Bonus Declaration: 31st March 2014**	12.5% for Policy Term 10-12 yrs and 15% for Policy Term > 12 yrs
Bonus Declaration: 31st March 2015**	18.00% for Policy Term 10-12 yrs and 25% for Policy Term > 12 yrs
Bonus Declaration: 31st March 2016**	18.00% for Policy Term 10 yrs, 20.00% for Policy Term 11 yrs, 22.00% for Policy Term 12 yrs, 25.00% for Policy Term 13 yrs, 27.00% for Policy Term 14 yrs and 30.00% for Policy Term 15 yrs

Product	Policy Term / Duration	TB rates for BY’17	TB rates for BY’18 (for deaths and surrenders)	TB rates for BY’18 (for maturities)
HDFC Personal Pension Plan -RP (UIN: 101N008V01)	10	18.00%	18.00%	18.00%
	11	20.00%	21.00%	21.00%
	12	22.00%	23.00%	23.00%
	13	25.00%	26.00%	26.00%
	14	27.00%	29.00%	30.50%
	15	30.00%	33.00%	34.50%
	16	NA	36.00%	37.00%

Product Name	Policy Term	Maturity TB Rates F.Y 2019	Maturity TB Rates F.Y 2020	Surrender/Death TB RatesF.Y 2019	Surrender/Death TB Rates F.Y 2020
HDFC Personal Pension Plan -RP (UIN: 101N008V01)	10	22.00%	22.25%	21.00%	21.00%
	11	25.00%	25.50%	24.00%	24.00%
	12	28.00%	28.75%	27.00%	27.00%
	13	31.00%	31.75%	30.00%	30.00%
	14	35.00%	36.00%	33.00%	33.00%
	15	40.00%	41.25%	38.25%	38.25%
	16	45.00%	46.75%	42.50%	42.50%
	17	49.00%	51.25%	46.00%	46.00%
	18	NA	56.50%	NA	49.50%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2021	Maturity TB Rates F.Y 2021
HDFC Personal Pension Plan -RP	10	21.00%	22.25%
	11	24.00%	25.50%
	12	27.00%	28.75%
	13	30.00%	31.75%
	14	33.00%	36.00%
	15	38.25%	41.25%
	16	42.50%	47.75%
	17	46.00%	52.25%
	18	49.50%	57.50%
	19	51.00%	61.50%
	20	52.00%	61.50%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2022	Maturity TB Rates F.Y 2022
HDFC Personal Pension Plan (Regular Premium)	10	21.00%	26.00%
	11	24.00%	28.75%
	12	27.00%	32.00%
	13	30.00%	36.00%
	14	33.00%	40.00%
	15	38.25%	45.00%
	16	42.50%	49.00%
	17	46.00%	53.50%
	18	49.50%	58.00%
	19	51.00%	62.00%
	20	52.00%	71.00%
	21	NA	71.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC Personal Pension Plan (Regular Premium)	10	21.00%	26.00%
	11	24.00%	28.75%
	12	26.50%	31.25%
	13	30.00%	35.75%
	14	33.00%	40.00%
	15	38.25%	45.00%
	16	42.25%	48.50%
	17	46.00%	53.50%
	18	49.50%	58.00%
	19	50.75%	61.50%
	20	52.50%	72.00%
	21	59.00%	72.00%
	22	NA	72.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC Personal Pension Plan (Regular Premium)	10	20.75%	26.00%
	11	23.75%	28.75%
	12	25.50%	30.25%
	13	29.00%	34.75%
	14	32.00%	39.00%
	15	37.25%	44.00%
	16	41.25%	47.50%
	17	45.00%	52.50%
	18	48.50%	57.00%
	19	49.75%	60.50%
	20	51.50%	71.00%
	21	63.00%	76.00%
	22	68.00%	81.00%
	23	NA	81.00%

HDFC Savings Assurance Plan

HDFC SAVINGS ASSURANCE PLAN (UIN: 101N014V01)
Bonus Declaration: 31st March 2013**	25.00%
Bonus Declaration: 31st March 2014**	20.00%
Bonus Declaration: 31st March 2015**	19.00%
Bonus Declaration: 31st March 2016**	26.00% for Policy Term 10 yrs, 28.50% for Policy Term 11 yrs, 31.50% for Policy Term 12 yrs and 35.00% for Policy Term 13 yrs

Product	Policy Term / Duration	TB rates for BY’17	TB rates for BY’18 (for deaths and surrenders)	TB rates for BY’18 (for maturities)
HDFC Savings Assurance Plan (UIN: 101N014V01)	10	26.00%	26.75%	26.75%
	11	28.50%	NA	NA
	12	31.50%	32.50%	32.50%
	13	35.00%	35.00%	35.00%
	14	NA	38.50%	38.50%

Product Name	Policy Term	Maturity TB Rates F.Y 2019	Maturity TB Rates F.Y 2020	Surrender/Death TB RatesF.Y 2019	Surrender/Death TB Rates F.Y 2020
HDFC Savings Assurance Plan (UIN: 101N014V01)	10	27.50%	28.50%	25.00%	25.00%
	11	NA	31.00%	28.00%	28.00%
	12	35.00%	36.00%	32.00%	32.00%
	13	40.00%	41.00%	34.00%	34.00%
	14	45.00%	46.00%	39.00%	39.00%
	15	52.00%	53.00%	45.00%	45.00%
	16	NA	59.00%	NA	51.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2021	Maturity TB Rates F.Y 2021
HDFC Savings Assurance Plan	10	25.00%	29.50%
	11	28.00%	32.00%
	12	32.00%	36.00%
	13	34.00%	41.00%
	14	39.00%	46.00%
	15	45.00%	54.25%
	16	51.00%	60.00%
	17	57.00%	64.00%
	18	63.00%	64.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2022	Maturity TB Rates F.Y 2022
HDFC Savings Assurance Plan	10	25.00%	30.00%
	11	28.00%	32.00%
	12	32.00%	36.00%
	13	34.00%	41.00%
	14	40.00%	47.50%
	15	45.00%	54.25%
	16	51.00%	60.00%
	17	57.00%	65.50%
	18	NA	65.50%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC Savings Assurance Plan	10	25.25%	30.50%
	11	28.00%	32.00%
	12	31.00%	34.00%
	13	33.25%	39.25%
	14	39.50%	46.50%
	15	44.25%	52.75%
	16	49.50%	57.00%
	17	57.00%	65.50%
	18	60.00%	65.50%
	19	60.00%	65.50%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC Savings Assurance Plan	10	25.00%	30.50%
	11	27.75%	32.00%
	12	30.75%	34.00%
	13	32.25%	38.25%
	14	38.75%	45.75%
	15	44.00%	52.75%
	16	48.50%	56.00%
	17	56.75%	61.00%
	18	59.75%	65.50%
	19	64.50%	70.00%
	20	69.25%	74.75%

HDFC Personal Pension Plan (Single Premium) 5 until 2016

HDFC PERSONAL PENSION PLAN (SINGLE PREMIUM) (UIN :101N008V01) 5
Bonus Declaration: 31st March 2008*	12.00%
Bonus Declaration: 31st March 2009*	10.00%
Bonus Declaration: 31st March 2010*	10.00%
Bonus Declaration: 31st March 2011*	8.00%
Bonus Declaration: 31st March 2012**	12.50%
Bonus Declaration: 31st March 2013**	12.50%
Bonus Declaration: 31st March 2014**	12.50%
Bonus Declaration: 31st March 2015**	14.00%
Bonus Declaration: 31st March 2016**	15.00%

HDFC Personal Pension Plan (Single Premium) 6 until 2016

HDFC PERSONAL PENSION PLAN (SINGLE PREMIUM) (UIN :101N008V01) 6
Bonus Declaration: 31st March 2008*	14.00%
Bonus Declaration: 31st March 2009*	12.00%
Bonus Declaration: 31st March 2010*	14.00%
Bonus Declaration: 31st March 2011*	12.00%
Bonus Declaration: 31st March 2012**	15.00%
Bonus Declaration: 31st March 2013**	15.00%
Bonus Declaration: 31st March 2014**	15.00%
Bonus Declaration: 31st March 2015**	35.00%
Bonus Declaration: 31st March 2016**	21.00%

HDFC Personal Pension Plan (Single Premium) 7 until 2016

HDFC PERSONAL PENSION PLAN (SINGLE PREMIUM) (UIN :101N008V01) 7
Bonus Declaration: 31st March 2008*	19.00%
Bonus Declaration: 31st March 2009*	14.00%
Bonus Declaration: 31st March 2010*	16.00%
Bonus Declaration: 31st March 2011*	16.00%
Bonus Declaration: 31st March 2012**	23.00%
Bonus Declaration: 31st March 2013**	23.00%
Bonus Declaration: 31st March 2014**	23.00%
Bonus Declaration: 31st March 2015**	35.00%
Bonus Declaration: 31st March 2016**	27.00%

HDFC Personal Pension Plan (Single Premium) 8 until 2016

HDFC PERSONAL PENSION PLAN (SINGLE PREMIUM) (UIN :101N008V01) 8
Bonus Declaration: 31st March 2009*	16.00%
Bonus Declaration: 31st March 2010*	20.00%
Bonus Declaration: 31st March 2011*	20.00%
Bonus Declaration: 31st March 2012**	30.00%
Bonus Declaration: 31st March 2013**	30.00%
Bonus Declaration: 31st March 2014**	30.00%
Bonus Declaration: 31st March 2015**	35.00%
Bonus Declaration: 31st March 2016**	32.50%

HDFC Personal Pension Plan (Single Premium) 9 until 2016

HDFC PERSONAL PENSION PLAN (SINGLE PREMIUM) (UIN :101N008V01) 9
Bonus Declaration: 31st March 2010*	24.00%
Bonus Declaration: 31st March 2011*	24.00%
Bonus Declaration: 31st March 2012**	35.00%
Bonus Declaration: 31st March 2013**	35.00%
Bonus Declaration: 31st March 2014**	35.00%
Bonus Declaration: 31st March 2015**	35.00%
Bonus Declaration: 31st March 2016**	40.00%

HDFC Personal Pension Plan (Single Premium) 10 until 2016

HDFC PERSONAL PENSION PLAN (SINGLE PREMIUM) (UIN :101N008V01) 10
Bonus Declaration: 31st March 2011*	28.00%
Bonus Declaration: 31st March 2012**	45.00%
Bonus Declaration: 31st March 2013**	45.00%
Bonus Declaration: 31st March 2014**	45.00%
Bonus Declaration: 31st March 2015**	45.00%
Bonus Declaration: 31st March 2016**	48.00%

HDFC Personal Pension Plan (Single Premium) 11+ until 2016

HDFC PERSONAL PENSION PLAN (SINGLE PREMIUM) (UIN :101N008V01) 11+
Bonus Declaration: 31st March 2012**	52.00%
Bonus Declaration: 31st March 2013**	52.00%
Bonus Declaration: 31st March 2014**	55.00%
Bonus Declaration: 31st March 2015**	60.00%

HDFC Personal Pension Plan (Single Premium) 12+ until 2016

HDFC PERSONAL PENSION PLAN (SINGLE PREMIUM) (UIN :101N008V01) 12+
Bonus Declaration: 31st March 2013**	52.00%
Bonus Declaration: 31st March 2014**	55.00%
Bonus Declaration: 31st March 2015**	60.00%
Bonus Declaration: 31st March 2016**	67.00% for Policy Term 12 yrs, 77.00% for Policy Term 13 yrs, 87.00% for Policy Term 14 yrs and 97.00% for Policy Term 15 yrs

HDFC Assurance Plan

HDFC ASSURANCE PLAN
Bonus Declaration: 31st March 2014**	15.00%
Bonus Declaration: 31st March 2015**	18.00%
Bonus Declaration: 31st March 2016**	20.00% for Policy Term 10 yrs, 22.50% for Policy Term 11 yrs and 25.00% for Policy Term 12 yrs

Product	Policy Term / Duration	TB rates for BY’17	TB rates for BY’18 (for deaths and surrenders)	TB rates for BY’18 (for maturities)
HDFC Assurance Plan (UIN: 101N018V01)	10	20.00%	21.00%	24.00%
	11	22.50%	25.00%	30.00%
	12	25.00%	30.00%	35.00%
	13	NA	35.00%	40.00%

Product Name	Policy Term	Maturity TB Rates F.Y 2019	Maturity TB Rates F.Y 2020	Surrender/Death TB RatesF.Y 2019	Surrender/Death TB Rates F.Y 2020
HDFC Assurance Plan (UIN: 101N018V01)	10	27.00%	30.00%	23.00%	23.00%
	11	33.00%	34.50%	30.00%	30.00%
	12	37.00%	38.75%	32.00%	32.00%
	13	43.00%	45.00%	38.00%	38.00%
	14	50.00%	52.25%	42.00%	42.00%
	15	NA	67.25%	NA	45.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2021	Maturity TB Rates F.Y 2021
HDFC Assurance Plan	10	23.00%	30.00%
	11	30.00%	34.50%
	12	32.00%	38.75%
	13	38.00%	45.00%
	14	42.00%	52.25%
	15	45.00%	67.25%
	16	48.00%	71.00%
	17	51.00%	71.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2022	Maturity TB Rates F.Y 2022
HDFC Assurance Plan	10	23.00%	30.50%
	11	30.00%	34.50%
	12	32.00%	38.75%
	13	34.00%	41.00%
	14	42.00%	54.00%
	15	45.00%	67.25%
	16	48.00%	73.50%
	17	51.00%	74.00%
	18	NA	74.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC Assurance Plan	10	22.75%	30.00%
	11	29.50%	33.50%
	12	31.50%	38.00%
	13	33.50%	40.00%
	14	41.50%	53.00%
	15	44.00%	65.00%
	16	46.00%	69.50%
	17	51.00%	74.00%
	18	58.25%	78.00%
	19	NA	78.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC Assurance Plan	10	22.50%	30.00%
	11	29.25%	33.50%
	12	31.25%	38.00%
	13	33.25%	40.00%
	14	40.50%	52.00%
	15	43.25%	64.25%
	16	45.75%	69.00%
	17	50.75%	74.00%
	18	59.75%	79.50%
	19	65.75%	85.50%
	20	NA	85.50%

HDFC Single Premium Whole of Life Insurance Plan

HDFC SINGLE PREMIUM WHOLE OF LIFE INSURANCE PLAN
Bonus Declaration: 31st March 2014**	11.50%
Bonus Declaration: 31st March 2015**	12.50%
Bonus Declaration: 31st March 2016**	14.00% for Policy Term 10 yrs and 40.00% for Policy Term 15 yrs

Product	Policy Term / Duration	TB rates for BY’17	TB rates for BY’18 (for deaths and surrenders)	TB rates for BY’18 (for maturities)
HDFC Single Premium Whole of Life Insurance (UIN: 101N004V01)	10	14.00%	15.00%	15.00%
	11	14.00%	22.50%	22.50%
	12	14.00%	30.00%	30.00%
	13	14.00%	45.00%	45.00%
	14	14.00%	60.00%	60.00%
	15	40.00%	70.00%	70.00%
	16	NA	80.00%	80.00%

Product Name	Policy Term	Maturity TB Rates F.Y 2019	Maturity TB Rates F.Y 2020	Surrender/Death TB RatesF.Y 2019	Surrender/Death TB Rates F.Y 2020
HDFC Single Premium Whole of Life Insurance (UIN: 101N004V01)	10	20.00%	20.50%	20.00%	20.50%
	11	27.00%	27.50%	27.00%	27.50%
	12	33.00%	33.50%	33.00%	33.50%
	13	48.00%	48.50%	48.00%	48.50%
	14	65.00%	65.50%	65.00%	65.50%
	15	80.00%	81.75%	80.00%	81.75%
	16	95.00%	97.50%	95.00%	97.50%
	17	115.00%	118.50%	115.00%	118.50%
	18	NA	135.75%	NA	135.75%
	19	NA	166.75%	NA	166.75%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2021	Maturity TB Rates F.Y 2021
HDFC Single Premium Whole of Life Insurance	10	20.50%	20.50%
	11	29.00%	29.00%
	12	35.50%	35.50%
	13	48.75%	48.75%
	14	65.50%	65.50%
	15	82.25%	82.25%
	16	100.00%	100.00%
	17	120.00%	120.00%
	18	140.00%	140.00%
	19	170.00%	170.00%
	20	190.00%	190.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2022	Maturity TB Rates F.Y 2022
HDFC Single Premium Whole of Life Insurance Plan	10	20.50%	20.50%
	11	29.00%	29.00%
	12	35.50%	35.50%
	13	48.75%	48.75%
	14	65.50%	65.50%
	15	82.25%	82.25%
	16	100.00%	100.00%
	17	120.00%	120.00%
	18	140.00%	140.00%
	19	160.00%	160.00%
	20	190.00%	190.00%
	21	225.00%	225.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC Single Premium Whole of Life Insurance Plan	10	20.00%	20.00%
	11	28.00%	28.00%
	12	35.00%	35.00%
	13	48.00%	48.00%
	14	65.00%	65.00%
	15	82.00%	82.00%
	16	100.00%	100.00%
	17	118.00%	118.00%
	18	138.00%	138.00%
	19	158.00%	158.00%
	20	188.00%	188.00%
	21	223.00%	223.00%
	22	248.00%	248.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC Single Premium Whole of Life Insurance Plan	10	20.00%	20.00%
	11	28.00%	28.00%
	12	36.00%	36.00%
	13	49.00%	49.00%
	14	66.00%	66.00%
	15	83.00%	83.00%
	16	99.00%	99.00%
	17	117.00%	117.00%
	18	137.00%	137.00%
	19	157.00%	157.00%
	20	187.00%	187.00%
	21	224.00%	224.00%
	22	249.00%	249.00%
	23	249.00%	249.00%

HDFC Sampoorn Samridhi

Product	Age at maturity	BY’19 (‘Enhanced Cover’ option)	BY’19 (‘Enhanced Cash’ option)	BY’20 (‘Enhanced Cover’ option)	BY’20 (‘Enhanced Cash’ option)
HDFC Life Sampoorn Samridhi(term 5-6)	20-25	25%	30.00%	25%	30.00%
	26-30		30.00%		30.00%
	31-35		32.50%		32.50%
	36-40		35.00%		35.00%
	41-45		37.50%		37.50%
	46-50		42.50%		42.50%
	51-55		48.00%		48.00%
	56-60		55.00%		55.00%
	61-65		60.00%		60.00%
	66-70		NA		65.00%

Product	Age at maturity	BY’19 (‘Enhanced Cover’ option)	BY’19 (‘Enhanced Cash’ option)	BY’20 (‘Enhanced Cover’ option)	BY’20 (‘Enhanced Cash’ option)
HDFC Life Sampoorn Samridhi(term 7-9)	20-25	25%	30.00%	25%	30.00%
	26-30		30.00%		30.00%
	31-35		32.50%		32.50%
	36-40		35.00%		35.00%
	41-45		37.50%		37.50%
	46-50		42.50%		42.50%
	51-55		48.00%		48.00%
	56-60		55.00%		55.00%
	61-65		60.00%		60.00%
	66-70		NA		65.00%

Product	Age at maturity	‘Enhanced Cover’ option	‘Enhanced Cash’ option
HDFC Life Sampoorn Samridhi(term 7-10)	20-25	25%	30.00%
	26-30		30.00%
	31-35		32.50%
	36-40		35.00%
	41-45		37.50%
	46-50		42.50%
	51-55		48.00%
	56-60		55.00%
	61-65		60.00%
	66-70		65.00%

Product	Age at maturity	BY’22 (‘Enhanced Cover’ option)	BY’22 (‘Enhanced Cash’ option)
HDFC Sampoorn Samridhi (term 7-9)	20-25	25%	30.00%
	26-30		30.00%
	31-35		32.50%
	36-40		35.00%
	41-45		37.50%
	46-50		42.50%
	51-55		48.00%
	56-60		55.00%
	61-65		60.00%
	66-70		65.00%

Product	Age at maturity	BY’22 (‘Enhanced Cover’ option)	BY’22 (‘Enhanced Cash’ option)
HDFC Sampoorn Samridhi (term 10-11)	20-25	25%	30.00%
	26-30		30.00%
	31-35		32.50%
	36-40		35.00%
	41-45		37.50%
	46-50		42.50%
	51-55		48.00%
	56-60		55.00%
	61-65		60.00%
	66-70		65.00%

Product	Age at maturity	BY’23 (‘Enhanced Cover’ option)	BY’23 (‘Enhanced Cash’ option)
HDFC Sampoorn Samridhi (term 10)	20-25	25%	NA
	26-30		29.00%
	31-35		30.00%
	36-40		32.50%
	41-45		34.00%
	46-50		38.00%
	51-55		42.00%
	56-60		49.00%
	61-65		56.00%
	66-70		63.00%

Product	Age at maturity	BY’23 (‘Enhanced Cover’ option)	BY’23 (‘Enhanced Cash’ option)
HDFC Sampoorn Samridhi (term 11)	20-25	25%	NA
	26-30		30.00%
	31-35		31.50%
	36-40		33.75%
	41-45		36.00%
	46-50		40.75%
	51-55		46.00%
	56-60		54.50%
	61-65		58.00%
	66-70		64.50%
	71-75		73.50%

Product	Age at maturity	BY’23 (‘Enhanced Cover’ option)	BY’23 (‘Enhanced Cash’ option)
HDFC Sampoorn Samridhi (term 12)	31-35	25%	29.00%
	36-40		33.50%
	41-45		34.50%
	46-50		40.75%
	51-55		46.00%
	56-60		54.50%
	61-65		58.00%
	66-70		64.50%
	71-15		73.50%

Product	Age at maturity	BY’24 (‘Enhanced Cover’ option)	BY’24 (‘Enhanced Cash’ option)
HDFC Sampoorn Samridhi (term 10)	20-25	25%	NA
	26-30		28.00%
	31-35		29.00%
	36-40		31.50%
	41-45		33.00%
	46-50		37.00%
	51-55		41.00%
	56-60		48.00%
	61-65		54.50%
	66-70		62.00%

Product	Age at maturity	BY’24 (‘Enhanced Cover’ option)	BY’24 (‘Enhanced Cash’ option)
HDFC Sampoorn Samridhi (term 11)	20-25	25%	NA
	26-30		28.00%
	31-35		29.50%
	36-40		31.75%
	41-45		34.00%
	46-50		38.75%
	51-55		45.00%
	56-60		52.50%
	61-65		56.50%
	66-70		62.50%
	71-75		71.50%

Product	Age at maturity	BY’24 (‘Enhanced Cover’ option)	BY’24 (‘Enhanced Cash’ option)
HDFC Sampoorn Samridhi (term 12-13)	26-30	25%	28.50%
	31-35		31.00%
	36-40		34.00%
	41-45		35.50%
	46-50		41.25%
	51-55		48.00%
	56-60		56.50%
	61-65		59.50%
	66-70		66.75%
	71-75		76.75%

HDFC Personal Pension Plan (Single Premium) after 2016

Product	Policy Term / Duration	TB rates for BY’17	TB rates for BY’18 (for deaths and surrenders)	TB rates for BY’18 (for maturities)
HDFC Personal Pension Plan -SP (UIN: 101N008V01)	5	15.00%	NA	NA
	6	21.00%	NA	NA
	7	27.00%	27.00%	27.00%
	8	32.50%	NA	NA
	9	40.00%	NA	NA
	10	48.00%	48.00%	48.00%
	11	NA	57.00%	57.00%
	12	67.00%	67.00%	67.00%
	13	77.00%	85.00%	85.00%
	14	87.00%	100.00%	100.00%
	15	97.00%	120.00%	120.00%

Product Name	Policy Term	Maturity TB Rates F.Y 2019	Maturity TB Rates F.Y 2020	Surrender/Death TB RatesF.Y 2019	Surrender/Death TB Rates F.Y 2020
HDFC Personal Pension Plan -SP (UIN: 101N008V01)	8	31.00%	31.00%	31.00%	31.00%
	9	35.00%	35.00%	35.00%	35.00%
	10	48.00%	48.00%	48.00%	48.00%
	11	60.00%	60.00%	60.00%	60.00%
	12	72.00%	72.00%	72.00%	72.00%
	13	90.00%	90.00%	90.00%	90.00%
	14	115.00%	115.00%	115.00%	115.00%
	15	140.00%	140.00%	140.00%	140.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2021	Maturity TB Rates F.Y 2021
HDFC Personal Pension Plan -SP
	10	48.00%	48.00%
	11	60.00%	60.00%
	12	72.00%	72.00%
	13	90.00%	90.00%
	14	115.00%	115.00%
	15	140.00%	140.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2022	Maturity TB Rates F.Y 2022
HDFC Personal Pension Plan -SP	10	48.00%	56.25%
	11	60.00%	70.00%
	12	72.00%	85.00%
	13	90.00%	102.00%
	14	115.00%	121.25%
	15	140.00%	140.50%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC Personal Pension Plan -SP	10	48.00%	56.00%
	11	59.50%	69.00%
	12	71.50%	84.00%
	13	89.50%	101.00%
	14	114.50%	120.25%
	15	140.00%	140.50%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC Personal Pension Plan -SP	10	47.75%	56.00%
	11	59.25%	69.00%
	12	71.25%	84.00%
	13	88.50%	100.00%
	14	113.50%	119.25%
	15	139.00%	139.50%

HDFC Classic Assure

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2021	Maturity TB Rates F.Y 2021
HDFC Classic Assure	10	21.00%	26.25%
HDFC Classic Assure	11	21.00%	26.25%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2022	Maturity TB Rates F.Y 2022
HDFC Classic Assure	10	21.00%	27.25%
	11	21.00%	NA
	12	21.00%	NA

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC Classic Assure	10	21.50%	28.00%
	11	21.50%	NA
	12	21.50%	NA

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC Classic Assure	10	21.25%	28.00%
	11	21.50%	NA
	12	21.75%	NA
	13	21.75%	NA

HDFC Classic Pension

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2021	Maturity TB Rates F.Y 2021
HDFC Classic Pension	10	24.50%	33.25%
HDFC Classic Pension	11	24.50%	33.25%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2022	Maturity TB Rates F.Y 2022
HDFC Classic Pension	10	26.00%	35.00%
HDFC Classic Pension	11	26.00%	NA

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC Classic Pension	10	26.00%	35.00%
	11	30.75%	38.00%
	12	35.25%	41.50%
	13	35.25%	NA

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC Classic Pension	10	NA	35.00%
	11	30.50%	38.00%
	12	35.00%	41.50%
	13	40.50%	46.75%
	14	40.50%	NA

HDFC Group Savings

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2021	Maturity TB Rates F.Y 2021
HDFC Group Savings	10	30.00%	30.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2022	Maturity TB Rates F.Y 2022
HDFC Group Savings	10	30.00%	30.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC Group Savings	10	30.00%	30.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC Group Savings	10	30.00%	30.00%

HDFC New Money Back

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2022	Maturity TB Rates F.Y 2022
HDFC New Money Back	12	23.00%	23.00%
HDFC New Money Back	13	NA	23.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC New Money Back	12	23.00%	23.00%
HDFC New Money Back	13	NA	23.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC New Money Back	12	23.00%	25.25%
	13	23.00%	NA
	14	23.25%	NA

HDFC Pragati

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2022	Maturity TB Rates F.Y 2022
HDFC Pragati	5	12.00%	12.00%
HDFC Pragati	6	NA	12.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC Pragati	5	12.00%	12.00%
HDFC Pragati	6	NA	12.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC Pragati	5	11.00%	11.00%
HDFC Pragati	6	11.00%	11.00%

HDFC Life Classic Assure Plus

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC Life Classic Assure Plus	10	67.75%	69.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC Life Classic Assure Plus	10	66.25%	67.50%
HDFC Life Classic Assure Plus	11	66.25%	NA

HDFC Life Personal Pension Plus

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2023	Maturity TB Rates F.Y 2023
HDFC Life Personal Pension Plus	10	22.25%	38.00%

Product Name	Policy Term	Surrender/Death TB Rates F.Y 2024	Maturity TB Rates F.Y 2024
HDFC Life Personal Pension Plus	10	20.25%	36.00%
HDFC Life Personal Pension Plus	11	20.25%	NA

HDFC Life New Creating Life Insurance Plus

Product Name	Policy Term	Surrender/Death/Maturity Rates for F.Y 2024
		Premium Paying Frequency
		Annual Mode	Half Yearly Mode	Quarterly Mode	Monthly Mode
HDFC Life New Creating Life Insurance Plus	10	4.00%	NA	NA	6.00%

HDFC Life Secured Income Insurance RP

Product Name	Policy Term	Surrender/Death/Maturity Rates for F.Y 2024
		Premium Paying Frequency
		Annual Mode	Half Yearly Mode	Quarterly Mode	Monthly Mode
HDFC Life Secured Income Insurance RP	10	10.00%	11.50%	13.00%	15.00%
	11	11.00%	12.65%	14.30%	16.50%
	12	12.00%	13.80%	15.60%	18.00%

Terminal Bonus Rates for Formerly Exide Life Products

Exide Life Reassuring Life Endowment Plan

Product Name	Policy Term	Surrender/Death/Maturity Rates for F.Y 2024
		Premium Paying Frequency
		Annual Mode	Half Yearly Mode	Quarterly Mode	Monthly Mode
Exide Life Reassuring Life Endowment Plan	10	11.50%	13.23%	14.95%	17.25%
	11	12.50%	14.38%	16.25%	18.75%
	12	13.50%	15.53%	17.55%	20.25%
	13	14.50%	16.68%	18.85%	21.75%
	14	15.50%	17.83%	20.15%	23.25%
	15	17.50%	19.25%	21.00%	22.75%
	16	18.50%	20.35%	22.20%	24.05%
	17	19.50%	21.45%	23.40%	25.35%
	18	21.50%	23.65%	25.80%	27.95%
	19	23.50%	25.85%	28.20%	30.55%
	20	25.50%	28.05%	30.60%	33.15%
	21	27.50%	30.25%	33.00%	35.75%
	22	29.50%	32.45%	35.40%	38.35%

Exide Life Powering Life Limited Payment Endowment Plan

Product Name	Policy Term	Surrender/Death/Maturity Rates for F.Y 2024
		Premium Paying Frequency
		Annual Mode	Half Yearly Mode	Quarterly Mode	Monthly Mode
Exide Life Powering Life Limited Payment Endowment Plan	10	7.00%	8.05%	9.10%	10.50%
	11	8.00%	9.20%	10.40%	12.00%
	12	9.00%	10.35%	11.70%	13.50%
	13	10.00%	11.50%	13.00%	15.00%
	14	11.00%	12.65%	14.30%	16.50%
	15	12.00%	13.20%	14.40%	15.60%
	16	14.00%	15.40%	16.80%	18.20%
	17	16.00%	17.60%	19.20%	20.80%
	18	18.00%	19.80%	21.60%	23.40%
	19	20.00%	22.00%	24.00%	26.00%
	20	22.00%	24.20%	26.40%	28.60%

Exide Life Reassuring Life Endowment Plan with Reversionary Bonus

Product Name	Policy Term	Surrender/Death/Maturity Rates for F.Y 2024
		Premium Paying Frequency
		Annual Mode	Half Yearly Mode	Quarterly Mode	Monthly Mode
Exide Life Reassuring Life Endowment Plan with Reversionary Bonus	10	4.00%	4.60%	5.20%	6.00%
	11	5.00%	5.75%	6.50%	7.50%
	12	6.00%	6.90%	7.80%	9.00%
	13	7.00%	8.05%	9.10%	10.50%
	14	8.00%	9.20%	10.40%	12.00%
	15	11.00%	12.10%	13.20%	14.30%
	16	12.00%	13.20%	14.40%	15.60%
	17	13.00%	14.30%	15.60%	16.90%
	18	14.00%	15.40%	16.80%	18.20%
	19	15.00%	16.50%	18.00%	19.50%
	20	16.00%	17.60%	19.20%	20.80%
	21	18.00%	19.80%	21.60%	23.40%
	22	20.00%	22.00%	24.00%	26.00%

Exide Life Safal Jeevan Endowment Plan

Product Name	Policy Term	Surrender/Death/Maturity Rates for F.Y 2024
		Premium Paying Frequency
		Annual Mode	Half Yearly Mode	Quarterly Mode	Monthly Mode
Exide Life Safal Jeevan Endowment Plan	10	7.00%	8.05%	9.10%	10.50%
	11	7.50%	8.63%	9.75%	11.25%
	12	8.00%	9.20%	10.40%	12.00%
	13	8.50%	9.78%	11.05%	12.75%
	14	9.00%	10.35%	11.70%	13.50%
	15	9.50%	10.45%	11.40%	12.35%
	16	10.00%	11.00%	12.00%	13.00%
	17	10.50%	11.55%	12.60%	13.65%
	18	11.00%	12.10%	13.20%	14.30%
	19	11.50%	12.65%	13.80%	14.95%
	20	12.00%	13.20%	14.40%	15.60%

Exide Life Creating Life Child Protection Plan

Product Name	Policy Term	Surrender/Death/Maturity Rates for F.Y 2024
		Premium Paying Frequency
		Annual Mode	Half Yearly Mode	Quarterly Mode	Monthly Mode
Exide Life Creating Life Child Protection Plan	10	4.50%	5.18%	5.85%	6.75%
	11	5.50%	6.33%	7.15%	8.25%
	12	6.50%	7.48%	8.45%	9.75%
	13	8.50%	9.78%	11.05%	12.75%
	14	10.50%	12.08%	13.65%	15.75%
	15	12.50%	13.75%	15.00%	16.25%
	16	13.50%	14.85%	16.20%	17.55%
	17	14.50%	15.95%	17.40%	18.85%
	18	15.50%	17.05%	18.60%	20.15%
	19	16.50%	18.15%	19.80%	21.45%
	20	17.50%	19.25%	21.00%	22.75%
	21	20.00%	22.00%	24.00%	26.00%
	22	22.00%	24.75%	27.00%	29.25%

Exide Life Maximising Life Money Back Plan

Product Name	Policy Term	Surrender/Death/Maturity Rates for F.Y 2024
		Premium Paying Frequency
		Annual Mode	Half Yearly Mode	Quarterly Mode	Monthly Mode
Exide Life Maximising Life Money Back Plan	15	8.50%	9.35%	10.20%	11.05%
	16	9.00%	9.90%	10.80%	11.70%
	17	9.50%	10.45%	11.40%	12.35%
	18	10.00%	11.00%	12.00%	13.00%
	19	10.50%	11.55%	12.60%	13.65%
	20	11.00%	12.10%	13.20%	14.30%
	21	12.00%	13.20%	14.40%	15.60%
	22	13.00%	14.30%	15.60%	16.90%

Exide Life Creating Life Money Back Plan

Product Name	Policy Term	Surrender/Death/Maturity Rates for F.Y 2024
		Premium Paying Frequency
		Annual Mode	Half Yearly Mode	Quarterly Mode	Monthly Mode
Exide Life Creating Life Money Back Plan	15	30.00%	33.00%	36.00%	39.00%
	16	31.00%	34.10%	37.20%	40.30%
	17	32.00%	35.20%	38.40%	41.60%

Exide Life Secured Income Insurance Plan

Product Name	Policy Term	Surrender/Death/Maturity Rates for F.Y 2024
		Premium Paying Frequency
		Annual Mode	Half Yearly Mode	Quarterly Mode	Monthly Mode
Exide Life Secured Income Insurance Plan (5 Pay)	10	4.00%	4.60%	5.20%	6.00%
	11	5.00%	5.75%	6.50%	7.50%
	12	6.00%	6.90%	7.80%	9.00%

Product Name	Policy Term	Surrender/Death/Maturity Rates for F.Y 2024
		Premium Paying Frequency
		Annual Mode	Half Yearly Mode	Quarterly Mode	Monthly Mode
Exide Life Secured Income Insurance Plan (7&10 Pay)	10	14.00%	6.10%	18.20%	21.00%
	11	15.00%	7.25%	19.50%	22.50%
	12	16.00%	18.40%	20.80%	24.00%

Exide Life Secured Income Insurance RP

Product Name	Policy Term	Surrender/Death/Maturity Rates for F.Y 2024
		Premium Paying Frequency
		Annual Mode	Half Yearly Mode	Quarterly Mode	Monthly Mode
Exide Life Secured Income Insurance RP (UIN : 114N060V01, 114N060V02)	10	6.00%	6.90%	7.80%	9.00%
	11	7.00%	8.05%	9.10%	10.50%

Exide Life Safal Jeevan Money Back Plan

Product Name	Policy Term	Surrender/Death/Maturity Rates for F.Y 2024
		Premium Paying Frequency
		Annual Mode	Half Yearly Mode	Quarterly Mode	Monthly Mode
Exide Life Safal Jeevan Money Back Plan	15	23.00%	25.30%	27.60%	29.90%
	16	23.00%	25.30%	27.60%	29.90%
	17	23.00%	25.30%	27.60%	29.90%

Please refer the policy document for applicability of bonus.
Terminal Bonus rates are applicable for policies resulting in to claims by maturity in the year following the bonus declaration date.
* - The rates are applicable on Sum Assured + Vested bonuses.
** - The rates are applicable on Sum Assured.
Insurance is the subject matter of the solicitation
HDFC Life Insurance Company Limited Reg.No.101
Payout of bonus is subject to company declaring the same
#Bonus Year - 1st July 2018 to 30th June 2019
TB rates are applicable for policies maturing, surrendering or resulting in death in the period from 1st July 2023 to 30th June 2024.
The TB rate to be applied in the event of such claims will be the TB rate corresponding to policy term equal to the number of completed years for which premiums have been paid.

3 Cash Bonus

HDFC Life Sanchay Par Advantage

HDFC Life Sanchay Par Advantage (UIN: 101N136V01, 101N136V02, 101N136V03)	Annual Cash Bonus Rates as a % of Annualized Premium for FY20, FY21, FY22, FY23, FY24
	Option	Immediate Income
	Age at Entry / Premium Payment Term (yrs)	6	8	10	12
	Up to 25 years	22.5	29.5	35	39.5
	26 to 35 years	22	29	35	39
	36 to 40 years	21	28	34	38
	41 to 45 years	20	27	33	36
	46 to 50 years	19	27	33	36
	51 to 55 years	16.5	25	31.5	33
	56 to 60 years	13	21.5	28	28
	61 years and above	8	17.5	24	23

	Additional Cash Bonus payable for policies with Annualized Premium of 1 lakh and above
	Annual Premium Slab	Additional bonus as a % of Annualized Premium
	1 lakh to < 2 lakh	1
	2 lakh to < 5 lakh	1.5
	>= 5 lakh	2

Annual Cash Bonus Rates as a % of Annualized Premium for Fixed Term variant (Policy Term 30-40 years) will be 1% more than illustrated in the table above for all Age, PPT combinations. For eg. For ages upto 25 years, for a premium payment term of 6 years, the Cash Bonus Rate will be 23.5% for Policy Term 30-40 years.

These cash bonus rates are declared till 30th June 2024.

Cash Bonus Option Change Form (for former Exide Life customers)

Exide Life Maximising Life Money Back Plan

Exide Life Maximising Life Money Back Plan (UIN : 114N002V01)
2001-2002	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2002-2003	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2003-2004	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2004-2005	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2005-2006	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2006-2007	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2007-2008	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2008-2009	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2009-2010	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2010-2011	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2011-2012	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2012-2013	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2013-2014	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2014-2015	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2015-2016	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2016-2017	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2017-2018	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2018-2019	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2019-2020	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2020-2021	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2021-2022	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2022-2023	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.

Exide Life Reassuring Life Endowment Plan

Exide Life Reassuring Life Endowment Plan (UIN:114N001V01)
2001-2002	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2002-2003	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2003-2004	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2004-2005	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2005-2006	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2006-2007	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2007-2008	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2008-2009	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2009-2010	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2010-2011	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2011-2012	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2012-2013	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2013-2014	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2014-2015	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2015-2016	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2016-2017	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2017-2018	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2018-2019	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2019-2020	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2020-2021	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2021-2022	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
2022-2023	5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.

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At HDFC Life, we always strive to provide premier products with high benefits to our customers. Details of the Historical Bonus Rates are given below. Please click on the plan name to view them.

HDFC Money Back Plan

HDFC Children's Plan

HDFC Endowment Assurance

HDFC Savings Assurance Plan

HDFC Assurance Plan

HDFC Personal Pension Plan (Regular Premium)

HDFC Personal Pension Plan (Single Premium)

HDFC Single Premium Whole of Life Insurance Plan1

HDFC SL Endowment Gain Insurance Plan

HDFC SL New Money Back Plan

HDFC SL Group Savings Plan

HDFC SL Classic Assure Insurance Plan

HDFC Life Classic Pension Insurance Plan

HDFC Life Personal Pension Plus Plan

HDFC Life Sampoorn Samridhi Insurance Plan2

HDFC Life Classic Assure Plus

HDFC Life Super Savings Plan

HDFC Life Super Income Plan

HDFC Life YoungStar Udaan

HDFC Life Sampoorn Samridhi Plus

HDFC Life Uday

HDFC Life Pragati

HDFC Life Systematic Pension Plan4

HDFC Life Secured Income Insurance Plus

HDFC Life New Fulfilling Life

HDFC Life Assured Gain Plus

HDFC Life Secured Income Insurance RP

HDFC Life Income Advantage Plan

HDFC Life New Creating Life Insurance Plus

HDFC Life New Creating Life Insurance Regular Pay

HDFC Life Sampoorna Jeevan

HDFC Life Smart Income Plan

Exide Life Creating Life Child Protection Plan1

Exide Life Reassuring Life Endowment Plan with Reversionary Bonus1

Exide Life Fulfilling Life Anticipated Whole Life Plan

Exide Life Creating Life Money Back Plan

Exide Life Powering Life Limited Payment Endowment Plan

Exide Life Safal Jeevan Endowment Plan1

Exide Life Jeevan Uday

Exide Life My Retirement Plan

Exide Life Rewarding Life Whole of Life Plan1

Exide Life Safal Jeevan Money Back Plan1

Exide Life My Money Back Plan

Exide Life Assured Gain Plus

Exide Life New Fulfilling Life Anticipated Whole Life Plan

Exide Life New Fulfilling Life

Exide Life New Creating Life Insurance Plus

Exide Life New Creating Life Insurance Regular Pay

Exide Life Secured Income Insurance Plus

Exide Life Secured Income Insurance Plus

Exide Life Secured Income Insurance RP

Exide Life Secured Income Insurance RP

Exide Life Reassuring Life Endowment Plan

Exide Life Maximising Life Money Back Plan

Exide Life Income Advantage Plan

Exide Life Income Advantage Plan

Exide Life Platinum Life Plan^^

HDFC Money Back

HDFC Children's Plan

HDFC Endowment Assurance

HDFC Personal Pension Plan (Regular Premium)

HDFC Savings Assurance Plan

HDFC Personal Pension Plan (Single Premium) 5 until 2016

HDFC Single Premium Whole of Life Insurance Plan¹

HDFC Life Sampoorn Samridhi Insurance Plan²

HDFC Life Systematic Pension Plan⁴

Exide Life Creating Life Child Protection Plan¹

Exide Life Reassuring Life Endowment Plan with Reversionary Bonus¹

Exide Life Safal Jeevan Endowment Plan¹

Exide Life Rewarding Life Whole of Life Plan¹

Exide Life Safal Jeevan Money Back Plan¹

Exide Life Platinum Life Plan^{^^}