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Policy Servicing
This section will provide you various information about your policy. The section also consists of different forms which can be used for making any changes in your policy.
This section will provide you various information about your policy. The section also consists of different forms which can be used for making any changes in your policy.
None
SimplyQlik is HDFC Life’s official self-serve option for customers.
Experience policy servicing at your convenience without any requirement of app download or registration for the services listed below.
View Policy & Client Details
Change of Address
Update Contact Details
Change in Name
NEFT Tagging
Change in Nominee
Fund Switch
Premium Redirection
Update PAN
Change in Mode
Click here to avail this service now.
NOTE: Use your registered Mobile Number or Email ID for availing SimplyQlik services.
Track your policy details online via My Account. To register for free click here.
If already registered, click here to login.
Call 1860 267 9999 (Mon-Sat 10 am to 7 pm) Local charges apply
Do NOT prefix any country code. e.g. +91 or 00 or
Write to us at Service@HDFCLife.com
NRI Customers : Please write to us at NRIservice@HDFCLife.com
None
For changes in your personal or policy details, please fill in the appropriate form and submit it at any HDFC Life branch. Use the Branch Locator link available under Quick Links to locate nearest HDFC Life branch.
- Annuity Life Certificate
- Application for Transfer of Funds-New Business
- Assignment Form
- Banker's Verification Form
- Change in personal or policy details
- Customer Consent Document (CCD) - HDFC Bank
- Customer Consent Document (CCD) - IDFC First Bank
- Customer Consent Document (CCD) - Other Banks
- Customer Consent Document (CCD) - Others Channels
- Customer Consent Document (CCD) - Bandhan Bank
- Excess Refund, Free Look Cancellation or Withdrawal of proposal
- FATCA CRS Annexure- New Business
- Form No. 60
- HDFCSL DeclarationN In Lieu of PAN Card
- Health Revival form
- Indemnity-Loss/Non-receipt of Policy Document
- Know Your Customer Addendum - Third Party KYC
- Maturity Discharge Voucher Conventional Non-Settlement
- Maturity Discharge Voucher ULIP Non-Settlement
- Maturity Discharge voucher ULIP Settlement
- Maturity Discharge Voucher WSS Plan
- Name Declaration Format
- NEFT Mandate
- Owner Change Form
- Payout Declaration on behalf of customer
- PHS form- Revival
- Policy Servicing Form - Life Stage Protection Feature
- Reassignment Form
- Reduction in Premium - Conventional Plan
- Reduction in Premium - ULIP Plan
- Request for Major Alterations
- SmartEMI & MID HDFC Bank- New Business
- Specimen Signature Form
- Transfer of Ownership
- Covid-19 Questionnaire
- Form No. 10F
- Additional Single Premium Form
- Additional Single Premium-Bengali
- Additional Single Premium-Gujarati
- Additional Single Premium-Hindi
- Additional Single Premium-Kannada
- Additional Single Premium-Marathi
- Additional Single Premium-Tamil
- Additional Single Premium-Telugu
- Fund Switch and Premium Redirection Form
- Fund Switch and Premium Redirection-Bengali
- Fund Switch and Premium Redirection-Gujarati
- Fund Switch and Premium Redirection-Hindi
- Fund Switch and Premium Redirection-Kannada
- Fund Switch and Premium Redirection-Marathi
- Fund Switch and Premium Redirection-Tamil
- Fund Switch and Premium Redirection-Telugu
- Partial Withdrawal Form
- Partial Withdrawal-Bengali
- Partial Withdrawal-Gujarati
- Partial Withdrawal-Hindi
- Partial Withdrawal-Kannada
- Partial Withdrawal-Marathi
- Partial Withdrawal-Tamil
- Partial Withdrawal-Telugu
- Policy Servicing Form 2
None
A life/health insurance policy moves into non In-force status if the premium is not collected by the end of grace period. A policyholder can revive the policy by paying the outstanding premium(s) (inclusive of taxes and levies, interest and revival fee as applicable). The policy will become In-force once all the requirements raised as per the terms and conditions of the policy are fulfilled.
If policy holder fails to pay the premium even after the expiry of grace period, the policy status will be changed to lapse or Paid- Up depending on the year in which the policyholder fails to pay the premium.
The lapsed, Paid- Up or Discontinued policy can be revived as per conditions governing the product. You need to provide the insurer with evidence of insurability and pay all the outstanding premiums and related charges (if any).
If policy is in lapsed status for less than 6 months:
- Outstanding Premium(s)
- Revival Charges (If any)
If policy is in lapsed status for more than 6 months:
- Outstanding Premium(s)
- Revival Charges & interest charges ( interest charges are applicable for conventional plans)
- Personal Statement of Health (PHS) (only for underwriting plans) (PHS not required for Unit Linked Paid up cases)
- Revival Form & quote
If policy is in lapsed status for more than 1 year:
- Outstanding Premium(s)
- Revival Charges & interest charges ( interest charges are applicable for conventional plans)
- Revival Form & quote
- Personal Statement of Health (PHS) (only for underwriting plans) (PHS not required for Unit Linked Paid up cases)
- Online Payment
- Standing Instructions
- Electronic Clearing Service
- Direct Debit Facility Non ECS Location
- Credit Card Auto Debit
- Bill Pay
- Easy Bill
- MP Online
- Drop Boxes
- Post or Courier
- HDFC Life Branches
- Automated Voice Guided Payment
- Axis Bank Branch
- E-Collect
Below are the service touch points for your convenience.
- Call Us: 1860 267 9999 Mon-Sat 10am - 7pm (Local charges apply. Do NOT prefix any country code e.g. +91 or 00)
- Email: Service@HDFCLife.com
- NRI Customers : Please write to us at NRIservice@HDFCLife.com
Revival & Reinstatement of any policy incur a fixed cost, hence to compensate for that expense, INR 250 is charged.
None
- HDFC Life New Immediate Annuity_101N084V19 (Key Features Document)
- HDFC Life Pension Guaranteed Plan (Key Features Document) - 101N118V09
- HDFC Life Click 2 Protect Plus (Key Features Document) -101N101V03
- HDFC Life Sanchay Par Advantage(Key Features Document) -101N136V01
- HDFC Life Sanchay_101N097V09
- HDFC Life ClassicAssure Plus_101N089V05
- HDFC Life Click 2 Protect 3D Plus_101N115V06 (Key Features Document)
- HDFC Life Guaranteed Pension Plan_101N092V05
- HDFC Life Personal Pension Plus_101N091V04
- HDFC Life Pragati_101N114V04
- HDFC Life Sampoorn Samridhi Plus_101N102V05
- HDFC Life Sanchay Plus-Guaranteed Income_101N134V05 (Key Features Document)
- HDFC Life Sanchay Plus-Guaranteed Maturity_101N134V05 (Key Features Document)
- HDFC Life Sanchay Plus-Life Long Income_101N134V05 (Key Features Document)
- HDFC Life Sanchay Plus-Long Term Income_101N134V05 (Key Features Document)
- HDFC Life Super Income_101N098V05
- HDFC Life Uday_101N105V04
- HDFC Life YoungStar Udaan_101N099V03
- HDFC Life Click 2 Wealth_101L133V02
- HDFC Classic One-Standard(Single-Pay) 101L132V02
- HDFC Life Classic One-Enhanced (Single-Pay) 101L132V02
- HDFC Life Assured Pension Plan - Enhanced (Single)_101L109V05
- HDFC Life Assured Pension Plan - Standard (Regular & Limited)_101L109V05
- HDFC Life Assured Pension Plan - Standard (Single)_101L109V05
- HDFC Life Assured Pension Plan - Enhanced (Regular & Limited)_101L109V05
- HDFC Life Capital Shield - Enhanced 5 Pay_101L112V01
- HDFC Life Capital Shield - Enhanced Single Pay_101L112V01
- HDFC Life Capital Shield - Standard 5 Pay_101L112V01
- HDFC Life Capital Shield - Standard Single Pay_101L112V01
- HDFC Life Click 2 Invest_101L100V03 (Key Features Document)
- HDFC Life Click 2 Retire (Regular & Limited Pay)_101L108V04
- HDFC Life Click 2 Retire (Single Pay)_101L108V04
- HDFC Life ProGrowth Plus_101L081V05
- HDFC Life Sampoorn Nivesh Plan - Enhanced (Regular & Limited Pay)_101L103V01
- HDFC Life Sampoorn Nivesh Plan - Enhanced (Single Pay)_101L103V01
- HDFC Life Sampoorn Nivesh Plan - Standard (Regular & Limited Pay)_101L103V01
- HDFC Life Sampoorn Nivesh Plan - Standard (Single Pay)_101L103V01
- HDFC Life Single Premium Pension Super_101L086V03
- HDFC Life Smart Woman Plan_101L082V02
- HDFC SL Crest_101L064V03
- HDFC SL ProGrowth Flexi_101L072V05
- HDFC SL ProGrowth Super II_101L066V04 (standard)
- HDFC SL ProGrowth Super II_101L066V04 (enhanced)
- HDFC SL Youngstar Super Premium (Enhanced)_101L068V03
- HDFC SL YoungStar Super Premium (Standard)_101L068V03
None
| 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% |
| 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% |
| 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% |
| 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% |
| 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% |
| 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% |
| 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% |
| 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% |
| 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% |
| 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% |
| 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 (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% |
| 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% |
| 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 |
| 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% |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 Period1* | 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 Period1* | 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 Period1* | 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% |
Disclaimer
1*Deferment period = Policy term – Premium payment term
1RB on SPWL is on compound basis, while on all other products it is on simple basis
2The policies under Sampoorn Samridhi product are eligible for Reversionary Bonus only after 3 years premiums are paid
- RB rates are applicable for the period 1st April 2019 to 31st March 2020.
- IB rates are applicable for the eligible policies exiting during the period from 1st July 2020 to 30th June 2021
| 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 RatesF.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% |
| 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% |
| 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% |
| 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% |
| 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% |
| 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) (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) (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) (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) (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) (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) (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) (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 | |
|---|---|
| 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% |
| 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 | 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 | 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 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 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 2021 | Maturity TB Rates F.Y 2021 |
HDFC Group Savings | 10 | 30.00% | 30.00% |
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 2020 to 30th June 2021.
- 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.
- Cash Bonus
HDFC Life Sanchay Par Advantage (UIN : 101N136V01) | Annual Cash Bonus Rates as a % of Annualized Premium for FY21 | |||||
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 2021.
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:
None
Acceptable Identity Proofs and Residence Proofs :
| Sr. No | Documents | Identity Proofs | Address Proofs |
|---|---|---|---|
| 1 | PAN Card# | Y | - |
| 2 | Passport | Y | Y |
| 3 | Permanent Driving License | Y | Y |
| 4 | Voter’s Identity Card issued by Election Commission of India | Y | Y |
| 5 | Aadhaar Card | Y | Y |
| 6 | Identity card with applicant’s photograph issued by Central/ State Departments, Statutory/ Regulatory Authorities, Public Sector Undertakings,Scheduled Commercials Banks, Public Finance Institutions | Y | - |
| 7 | Letter issued by a gazetted officer not more than 6 months old, mentioning the address along with a duly attested photograph of the person | Y | Y |
| 8 | Bank account statement /Passbook not older than six months as on date of acceptance (If it contains photograph) | Y | Y |
| 9 | Documents (not more than 3 months old) issued by Government departments of foreign jurisdiction and letter issued by Foreign Embassy or Mission in India (If it contains photograph) | Y | Y |
| 10 | Central KYC Identifier (can be accepted, if there is no change in the current address of the client) | Y | Y |
#PAN/Form 60 (if you do not have a PAN) has been made mandatory irrespective of premium amount.
List of Official Valid Documents for KYC purposes
| Features | Documents |
|---|---|
| Insurance Contracts with companies |
|
| Insurance Contracts with partnership firms |
|
| Insurance Contracts with trusts & foundations |
|
Any other 'Officially valid document' that shall be notified by the Central Government, in consultation with the Regulator from time to time.
| Sr. No | Source of Fund / Proof of Income Document | Resident Indian | NRI | |||||
|---|---|---|---|---|---|---|---|---|
| Salaried | Self Employed / Business | Agriculturist | HRI/PEP | Special Jurisdictions | Salaried | Self Employed / Business | ||
| 1 | Salary slip / certificate – issued in last 3 months | Y | N | N | Y | Y | Y | N |
| 2 | ITR / Form 16 / assessment orders / Computation of Income | Y | Y | Y | Y | Y | Y | Y |
| 3 | Bank statement which establishes the Source of Fund / Bank statement (preceding 6 months) – addition of non cash credits | Y | Y | Y | Y | Y | Y (Indian bank statement) | Y (Indian bank statement) |
| 4 | Audited Company accounts | N | Y | N | Y | Y | N | Y |
| 5 | Audited firm accounts and Partnership Deed | N | Y | N | Y | Y | N | Y |
| 6 | Chartered Accountant’s Certificate | N | Y | N | Y | Y | N | Y |
| 7 | Fixed deposits liquidation entries in bank statement/ mutual fund redemption entries in bank statement | Y | Y | Y | Y | Y | Y | Y |
| 8 | Rent receipt (issued in last 3 months) with valid agreement | Y | Y | Y | Y | Y | Y | Y |
| 9 | Mandi receipt / Form J / agriculture records | N | N | Y | N | N | N | N |
| 10 | Foreign Bank statement of specific countries showing credits (preceding 6 months) | N | N | N | N | N | Y | Y |
| 11 | Bank Statements reflecting cash credit transactions, where individual transaction value per instance and on a particular transaction date do not exceed Rs. 1,00,000 | N | N | N | N | Y | N | N |
HOW CAN WE HELP YOU
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Our vision is to provide innovative and customer-centric insurance plans that can help our customers secure their family's future as well as help them with other benefits such as tax savings. Keeping this in mind we offer a large range of life insurance plans such as term insurance plan, women's plan, health insurance plans, pension plans for retirement planning, child education plans, ULIPs, saving and investment plans. Most of these life insurance policies are available online, so buy one today and Sar Utha Ke Jiyo!.
As per regulatory changes, it is mandatory to submit PAN/Form 60 (if PAN is not available) for your policy with immediate effect. Please update via My Account/service@hdfclife.com/18602679999/HDFC Life branch. Ignore if already submitted.
HDFC Life Insurance Company Limited (Formerly HDFC Standard Life Insurance Company Limited). CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.
Registered Office:
HDFC Life Insurance Company Limited (Formerly HDFC Standard Life Insurance Company Limited),
Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Tel No: (022)67516666.
The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited and is used by HDFC Life under a licence/agreement
For more details on risk factors, associated terms and conditions and exclusions, please read the sales brochure carefully before concluding a sale. ARN: EC/06/2017/9792
BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRAUDULENT OFFERS
• IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.