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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
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% |
HDFC Children's Plan
1.75% for Policy Term < 15 years and 2.00% for Policy Term >= 15
| 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 |
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% |
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% |
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% |
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% |
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% |
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% |
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% |
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% |
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% |
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% |
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 |
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% |
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 |
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 |
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 |
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 |
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 |
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 |
HDFC Life Pragati
| DEFERMENT PERIOD* | DECLARED RB | |
|---|---|---|
| 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 31st March 2017 | RB rates declared on 31st 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 31st March 2018 | RB/IB rates proposed on 31st 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 31st March 2019 | RB/IB rates proposed on 31st 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% |
- RB on SPWL is on compound basis, while on all other products it 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 rates are declared for the period 1st April 2021 to 31st March 2022
- IB rates are applicable for the eligible policies exiting during the period from 1st July 2022 to 30th June 2023
2 Terminal Bonus Rates
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% |
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 |
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% |
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% |
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% |
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% |
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% |
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% |
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 | |||||
| 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 | |||||
| 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 | |||
| 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% |
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% |
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% |
| 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 |
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% |
| 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% |
| 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 |
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% |
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% |
| 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% |
| 13 | NA | 23.00% |
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% |
| 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% |
| 6 | NA | 12.00% |
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% |
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% |
Notes:
- 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 Standard Life Insurance Company Ltd. 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 2022 to 30th June 2023.
- 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 |
Annual Cash Bonus Rates as a % of Annualized Premium for FY20, FY21, FY22, FY23 |
|||||
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 2023.
HDFC Life Sanchay Par Advantage |
Annual Cash Bonus Rates as a % of Annualized Premium for FY20, FY21, FY22, FY23 |
|||||
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 2023.
INT/EU/08/21/24863