What is an Investment Plan?
An investment plan is like a financial roadmap that helps you grow your money wisely. It begins with setting clear goals, such as saving for retirement, funding education, or building wealth. You also need to decide when you'll need the money, which helps you choose the right investment plan. Knowing your risk tolerance is important as it guides you in selecting the best options, like stocks, bonds, mutual funds, or real estate.
To make your investment plan effective, diversify your investments across different assets and review your plan regularly. This not only manages risk but also adjusts your strategy to keep up with market changes, ensuring you stay focused on achieving your financial goals.
30 Investment Plans to choose from
Below listed are types of investments from which you can select the most suitable one for yourself as per your financial goals -
Public Provident Fund (PPF)
A PPF (Public Provident Fund) is a retirement investment option that offers high returns with minimal risk. It allows you to invest up to ₹1.5 lakh annually, helping you systematically save for long-term goals like retirement. PPF accounts can be opened in banks or post offices by Indian citizens. Additionally, PPF offers tax benefits under the Income Tax Act, 1961, and deductions under 80C, making it an attractive low-risk investment plan.
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Mutual Funds
Mutual fund dealers make it easy for you to compare various funds based on risk, return, and price. This accessible information helps you make informed decisions. Mutual funds also provide the advantages of liquidity and expert management. Investing in an ELSS can offer tax benefits under section 80C. Remember to consider the impact of mutual fund fees on your returns.
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Direct Equity
Direct plans allow you to save money by avoiding commissions and marketing costs. These savings are then invested back into the plan, potentially leading to higher returns over time.
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Real Estate Investment
Investing in real estate in India is highly rewarding because the market is expanding, and there is significant potential for growth and development.
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Gold investment
Investing in gold is a timeless strategy for safeguarding wealth and enhancing financial portfolios. Gold acts as a solid buffer against market fluctuations and inflation, ensuring that value is preserved over time. It requires no extensive market knowledge, making it straightforward and accessible. Additionally, gold offers high liquidity, allowing quick conversion to cash when needed.
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Post Office Saving Scheme
The Post Office Savings Scheme offers a reliable and secure way to grow savings, backed by the government. With various flexible savings and deposit options, individuals can choose plans that align with financial goals. Attractive interest rates and guaranteed returns make this scheme a low-risk investment choice.
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Company Fixed Deposits (FDs)
Non-Banking Financial Companies (NBFCs) and RBI-licensed financial institutions provide company fixed deposits as a secure investment option. These deposits offer investors a fixed interest rate for the entire tenure, ensuring stable and predictable returns.
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Initial Public Offerings (IPOs)
IPOs enable the sale of securities to the public through the stock market, offering high growth opportunities and the potential for significant long-term returns. However, they also carry high risks and could deplete your resources if the company underperforms.
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ULIPs (Unit Linked Insurance Plans)
A ULIP (Unit Linked Insurance Plan) is a financial tool that combines investment and life insurance. It allows you to invest in equity, debt, or balanced funds based on your risk preference. ULIPs are long-term plans designed to grow your money over 10 to 15 years. They offer benefits like systematic withdrawals, wealth boosters, tax benefits, and free fund switches, making them a versatile option for your investment goals.
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Bonds
Bonds are low-risk, fixed-income securities that provide investors with a steady income stream. They help investors diversify their portfolios and balance high-risk investments. Many government bonds offer inflation-adjusted returns, making them a stable investment for the future.
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Bank FD
Bank fixed deposits are extremely popular in India. Coming with cumulative/non-cumulative options, bank FDs offer fixed returns over the investment tenure and the returns are payable on a monthly, annual or bi-annual basis, depending on the bank policy.
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Senior Citizen Savings Scheme (SCSS)
The SCSS is a government-backed scheme specifically for investors over 60. It provides a steady income stream and tax benefits, making it a low-risk option. Generally, the SCSS offers a higher interest rate than other options, making it a good option for senior investors.
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RBI taxable bonds
The Government of India periodically issues RBI Taxable Bonds to raise funds for various projects. These bonds are safe and secure and offer assured returns over the tenure. Investors can preserve their capital while earning returns.
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National Pension Scheme
It is a government-organized pension product for the employees of all the sectors in India and offers plans based on equity debt, corporate debt and government bond. In NPS a minimum contribution of Rs 6,000 a year is required while there is no upper cap.
HDFC Life offers saving and investment plans for securing your finances and helping you build your financial base.
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Life Insurance
Life insurance policies offer life insurance coverage while providing a savings or investment component. Policies such as Savings Plans or Retirement Plans offer avenues to grow your funds for the future while protecting your family in the present. The beneficiary receives the sum assured payout if anything happens to the investor during the policy term. On survival, the policyholder earns the maturity benefits.
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National Savings Certificate (NSC)
National Savings Certificate (NSC) is a savings option by government which is backed by fixed-income investment scheme offered by India Post. You can get guaranteed returns from this financial tool.
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Equity-linked savings scheme (ELSS)
These are mutual funds and they invest in the equity shares of different companies. If you invest in an ELSS tax saver fund, you can enjoy tax benefits under Section 80C of the Income Tax Act, 1961.
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Sovereign Gold Bonds (SGBs)
Sovereign Gold Bonds (SGBs) are government-backed securities issued by RBI. They are denominated in grams of gold. They offer a secure and affordable way to invest in gold without the need for physical storage. With fixed interest rates and a maturity period of 8 years, SGBs provide investors with both capital appreciation and periodic interest income.
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Monthly Income Plans (MIPs)
Monthly Income Plans (MIPs) are investment options that aim to provide regular income to investors. They combine debt and equity instruments, to strike a balance between income generation and capital appreciation. Investors receive periodic payouts, making these suitable for those seeking stable returns with moderate risk.
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Employee Provident Fund (EPF)
Employee Provident Fund (EPF) is a retirement benefit program in which both employers and employees contribute 12% of the employee's salary.
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Atal Pension Yojana (APY)
Atal Pension Yojana (APY), a pension scheme for Indians working in the unorganized sector. Under this scheme, subscribers gets a guaranteed minimum pension of Rs. 1,000/- or 2,000/- or 3,000/- or 4,000 or 5,000/- per month at the age of 60 years depending on the contributions made by the subscribers.
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Sukanya Samriddhi Yojana (SSY)
Sukanya Samriddhi Yojana is an investment scheme designed by the Government of India, which is aimed at the betterment of girl child in India. It was launched to help parents build a corpus for higher education and other expenses of their girl child.
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Recurring Deposit
A Recurring Deposit (RD) is a type of term deposit offered by banks where the depositor regularly deposits a fixed amount every month for a specified period. At the end of this period, the depositor receives the principal amount along with the accumulated interest. RDs offer higher interest rates compared to savings accounts and provide a disciplined approach to saving money. They are suitable for individuals who want to save a fixed amount regularly and earn better returns than a savings account.
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Corporate Bonds
Corporate bonds are debt securities issued by companies to raise capital for various purposes. They offer potentially higher yields than government bonds, making them attractive for income-seeking investors. These bonds come with a fixed interest rate and maturity date, providing predictable income streams. However, they carry a higher risk compared to government bonds, as their safety depends on the issuing company's financial health.
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REITs (Real Estate Investment Trusts)
REITs are companies that own, operate, or finance income-generating real estate across various sectors. They offer a unique opportunity to invest in real estate without the need to directly own property. REITs are required to distribute a large portion of their taxable income to shareholders as dividends, making them attractive for income-focused investors. They provide portfolio diversification, potential for capital appreciation, and a hedge against inflation. In a best investment plan, REITs can offer exposure to real estate markets with the liquidity of publicly traded stocks, making them a versatile investment option.
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Voluntary Provident Fund (VPF)
The Voluntary Provident Fund (VPF) is an extension of the Employee Provident Fund (EPF) that allows employees to contribute more than the mandatory 12% of their basic salary. The additional contributions earn the same interest rate as the EPF, making VPF an attractive option for those looking to enhance their retirement savings. Contributions to the VPF are eligible for tax deductions under Section 80C* of the Income Tax Act, 1961, up to ₹1.5 lakh. The VPF offers a low-risk, tax-efficient investment avenue, especially for salaried individuals looking for long-term financial security.
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Kisan Vikas Patra (KVP)
Kisan Vikas Patra (KVP) is a government-backed savings instrument designed to encourage long-term investments. The scheme, available at post offices, doubles your investment in a specified period, depending on the prevailing interest rate. KVP is a safe and reliable option with guaranteed returns, making it suitable for risk-averse investors. Though it does not offer tax benefits, the assured return and liquidity (after the lock-in period) make it a popular choice among small investors looking to grow their savings steadily over time.
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Silver ETFs
Silver ETFs (Exchange-Traded Funds) are investment funds that track the price of silver and are traded on stock exchanges. They offer a convenient way to gain exposure to silver without the complexities of physical ownership. With high liquidity, investors can buy and sell these ETFs like stocks, making them a cost-effective option for diversifying investment portfolios. Silver ETFs are suitable for those looking to hedge against inflation and capitalize on the price movements of silver in the global market.
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Treasury Bills
Treasury Bills (T-Bills) are short-term debt instruments issued by the Reserve Bank of India and are backed by the Government of India. T-Bills are considered one of the low-risk investment options in India and typically mature within 1 year from the date of issue. They are ideal for conservative investors seeking low-risk opportunities to preserve capital while earning a return. It is to be noted that T-Bills are not eligible for any kind of Tax Deduction as per current tax rules and the returns are taxable as per applicable capital gains tax rules.
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Infrastructure Investment Trusts (InvITs)
Infrastructure Investment Trusts (InvITs) offer you a way to invest in large infrastructure projects like highways and bridges etc. as underlying asset, similar to how you might invest in mutual funds. When you invest in an InvIT, you're essentially buying a small share in these infrastructure projects and can earn returns from the revenue they generate. These investments are traded on stock exchanges, making them easy to buy and sell, just like regular shares. While InvITs can provide steady returns from infrastructure developments, it's important to note that they don't offer any tax benefits under current regulations.
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How do you choose a Best Investment Plan?
Here are some essential factors to keep in mind when selecting the best investment plan:
Understand Your Financial Goals
Before selecting an investment plan, it’s important to identify financial objectives, including both short-term and long-term goals. These may include buying a home, funding education, or saving for retirement. Understanding these goals will help guide the choice of the most suitable investment plan.
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Assess Your Risk Tolerance
Evaluate your comfort level with risk when choosing an investment plan. Select an option that matches your ability to handle market fluctuations and aligns with your financial goals.
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Consider Your Time Horizon
Decide for how long you plan to invest. Keep in mind that with longer time horizons, you can try aggressive strategies. But if you have short-term goals, it is best to take a conservative approach.
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Do your research
Compare, review past performance, take feedback and gather inputs on different investment plans to find the best investment plan for your specific goals and risk tolerance before you decide on your mix.
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Diversification
It is best to pick investment instruments from different asset classes like stocks, bonds, and real estate to reduce risk and optimise the returns.
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Professional Guidance
Nothing beats taking advice from financial experts when searching for the best investment plan. They offer personalized insights best suited to your financial needs and situation to ensure optimal returns.
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Costs and Fees
Be aware that all investment plans come with associated fees and charges. These do impact returns, so thoroughly do a detailed analysis of these before investing.
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Monitor and adjust regularly
It is important to be involved with the progress of your investments. Periodically review and adjust your portfolio to ensure it remains aligned with your evolving financial goals.
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Remember, when choosing an investment plan, you must know your financial objectives, liquidity needs, investment horizon and risk appetite.
Benefits of Investment Plans
Investment plans offer a variety of benefits. When it comes to selecting the best investment plan for yourself you need to assess the benefits of a particular investment plan vis-à-vis your financial goals and aspirations. Below are some of the common benefits of best investment plan:
Wealth Accumulation
The primary objective of every investment is to build and accumulate wealth for the future. PPFs and FDs help grow wealth steadily over time. One time investment plan (like PPF and FD) can help you achieve growth of wealth without incurring major risks.
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Meeting Financial Goals
Investment plans such as ULIPs, the NPS, and Retirement Plans are some of the best investment plans that empower you to build wealth to meet specific financial goals.
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Beating Inflation
Investments in gold, real estate, and inflation-adjusted bonds help you build wealth to ensure inflation does not impact your standard of living.
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Earn Passive Income
You can invest additional funds in various avenues to earn a passive income over your salary through a well-chosen investment plan. A passive income stream helps you build a financial safety net for the future. To optimize your investments and understand potential returns, using a ULIP Calculator can be a valuable tool.
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Tax Benefits
Several investment avenues, including ULIPs, PPFs, NPS, taxable bonds and money back policy, provide tax benefits to investors. Individuals can claim deductions against the amount invested to minimise their tax liability. Additionally, some maturity returns and life insurance payouts are also tax-free.
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Financial Independence
Investments help you accumulate wealth for the future, empowering you to remain financially independent, even in your golden years. Best Investment options are designed to help you achieve financial independence as per your financial goals.
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Looking After Loved Ones
Investing in life insurance policies and plans with life coverage ensures you look after your loved ones, regardless of what life brings your way. An investment plan with life coverage provides a payout to your beneficiary, enabling them to take care of debts, maintain their standard of living, or fulfill future goals.
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Hear from the experts
Tax Benefits with Investment Plans
As per prevailing tax laws investment instruments are taxed differently. The below table demonstrates the tax benefits available to respective investment plans -
Type of Investment |
Tax Benefits |
PPF |
The amount invested is deductible under section 80C of Income Tax Act,1961 subject to the limit of Rs.1,50,000/- which includes deductions for other items as well. The maturity & interest amount earned in exempt under section 10 of the Act |
Mutual Funds |
Mutual funds consist of units invested in various funds like equity, debt or hybrid. The investment in Equity-Linked Mutual Fund schemes is eligible for tax deductions under Section 80C of the Income Tax Act. |
Direct Equity |
Investments are not eligible for tax deductions and the proceeds are fully taxable. |
Real Estate Investment |
These investments are fully taxable, depending upon whether the investment is short term or long term. |
Gold Investments |
Investments in gold are fully taxable, depending upon whether the investment is short term or long term. |
Post Office fixed deposit |
Investments in five-year deposits are eligible for tax deductions under Section 80C of the Income Tax Act. |
Company Fixed Deposits |
Interest earned on fixed deposits is taxable. |
IPOs |
Investments in IPOs are not available for tax deduction and earnings are treated as capital gains, which attract taxes. |
ULIPs |
Premiums you pay for your ULIP are eligible for tax benefits under Section 80C of the Income Tax Act 1961. You can claim a maximum deduction of Rs. 1, 50,000 per year under this section, subject to the conditions mentioned therein. Tax exemption on maturity proceeds will be available on ULIP plans if premium paid in any of the years does not exceed Rs.2,50,000 and the same does not exceed 10% of the death sum assured. The death benefit paid to your beneficiary or nominee is not taxable. They will receive the entire sum assured without having to pay any tax. |
Bonds |
Interest earned and capital gains on bonds are taxable. |
Bank FDs |
Interest earned on fixed deposits is taxable. However, benefit is available to senior citizens up to Rs.50,000/- |
SCSS |
Investments are tax deductible under Section 80C subject specified limit of Rs.1, 50,000/- Interest earned is taxable. However, senior citizens can claim a deduction of up to Rs. 50,000 per year on interest earned under Section 80TTB# |
NPS |
Deduction of contribution to NPS can be claimed under section 80CCD of the Income Tax Act,1961 including additional deduction of Rs.50,000/- under section 80CCD(2) #. However, total deduction shall not exceed Rs.1, 50,000/- as prescribed under section 80CCE#. Up to 60% of the maturity corpus can be withdrawn tax-free. |
Life Insurance |
Premiums you pay for your life insurance plans are eligible for tax benefits under Section 80C of the Income Tax Act 1961*. You can claim a maximum deduction of Rs. 1, 50,000 per year under this section, subject to the conditions mentioned therein. Maturity benefits are exempt for policies where premiums paid in any of the years are less than Rs.5 lakhs and the same does not exceed 10% of the death sum assured. The death benefit paid to your beneficiary or nominee is not taxable. They will receive the entire sum assured without having to pay any tax. |
When Should You Start Investing in Investment Plans?
Are you wondering - What is Investment?
Investment is a journey, not a destination. It involves making a series of financial decisions to earn returns and achieve your financial goals while minimizing risks. The best time to start investing is when you are young, but it's never too late. You can begin investing at any age once you've paid off your debt and built an emergency fund covering at least three months of income.
Key Steps to Start Investing:
- 1. Clear Your Debts: Ensure all your debts are paid off. This sets a solid financial foundation.
- 2. Build an Emergency Fund: Have at least three months' worth of income saved for emergencies.
- 3. Start Investing: Once your finances are stable, you can start investing, regardless of whether you are 20, 30, or 50 years old.
Using Investment Tools:
- Investment Calculator: Estimate your returns with a few simple inputs like investment amount, time period, expected rate of return, and frequency of investment.
- Retirement Calculator: Plan for your retirement by determining the corpus needed.
- Pension Calculator: Assess your pension requirements to ensure a comfortable retirement.
Investment Strategies for Different Life Stages:
Age Group |
Investment Strategy |
20s |
Focus on equity-based ULIPs for higher returns due to the long investment horizon. The best investment plan for this age group typically allocates a higher percentage to equities and takes advantage of market fluctuations. Consider diversifying with a small portion in debt funds to manage risk while maintaining an aggressive growth strategy. |
30s |
Aim for a mix of equity and debt funds to balance growth and stability as an investment strategy at this age. Increase investment in ULIPs with a focus on wealth accumulation and life coverage. Consider adding funds that offer tax benefits under Section 80C. |
50s |
Shift focus towards debt and balanced funds to preserve capital and ensure steady growth. Reduce exposure to equities to minimize risk as retirement approaches. Look for ULIPs that offer stability and regular income options. |
Retirement |
Prioritize investments in debt funds and annuity plans to ensure a stable post-retirement income. Focus on capital preservation and minimizing risk. Consider ULIPs that offer guaranteed income benefits and life coverage. |
Investing is a continuous process of making informed financial decisions. Use the available tools to plan and optimize your investments. Remember, the sooner you start, the better prepared you'll be for the future.
Why Should You Invest in the Best Investment Plan?
Investing is an act of committing your savings to an endeavour, with the objective of increasing your wealth and earning additional income or profit.
With every milestone in your life, you make sure your family's dreams and necessities are fulfilled, you are able to plan and take vacations, get married, go abroad to study, attend to unforeseen events, etc. Hence, we need to plan and invest our savings which will depend on what are your financial goals are. These investments will help you accomplish those goals and help you attain your financial independence by putting your money to work.
For those living abroad, exploring Investment Plans for NRI can be particularly beneficial in managing finances across borders.
Investment Plans Guide
Basis your desired financial goals you can explore the following options:
What documents are required to buy investment plans?
Income Proof |
Address Proof |
Age Proof |
Identity Proof |
|
Salaried Individuals |
Self Employed |
Voter ID |
Pan Card |
Aadhar |
Form 16 |
Form 26 AS |
Aadhar Card |
Pan Card |
|
Bank statement showing your salary credit. |
IT returns of previous 2 years not filed together along with income calculation |
Passport
|
Voter ID |
|
IT returns of previous 2 years |
Income computation, if not available then years of ITR not filed together |
National population register containing address, aadhar number and name. |
Municipal Birth certificate |
Passport |
P&L account and CA balance sheet of previous 2 years |
Any other document issued by the central government. |
Voter ID |
FAQ's about Investment Plans
1 What is the difference between a savings plan and an investment plan?
The terms 'saving' and 'investing' are often used interchangeably, but this isn't always accurate. Savings and investments are two different types of financial tools that are used to fulfill different needs.
Savings: This refers to setting some money aside to be used in the future. The money is usually kept in a savings account and can easily be accessed, especially in emergency situations.
Investment: On the other hand, investment refers to buying assets like bonds, stocks, real estate or mutual funds to help your money grow.
While a savings plan enables you to build up a corpus over time, an investment plan provides you with an avenue where you can help your money grow.
2 Why Should I opt for an Investment Plan?
Each and every one of us has some goals that we would like to achieve. A good investment plan is absolutely crucial in order for us to realize these goals. In today's atmosphere, simply earning and saving is not enough. In order to be able to afford a home or a financially-secure retirement, it's vital that you find investment avenues that will allow you to grow your money over time. Remember, it's important to have a goal in mind before you start investing this will enable you to streamline the process.
3 Should I opt for a Short-term or Long-term Investment Plan?
The answer to this will depend largely on your financial goals. However, it's always a good idea to have a good mix of both short- and long-term investments in your portfolio. Short-term investment plans will enable you to achieve your short-term financial goals, such as building up enough money to purchase a car, while a long-term investment plan could enable you to achieve your long-term goals like building up enough money to purchase a house. On the whole, long-term investment plans are generally preferred as one of the best investment plan approach since it is a safer investment tool, which can be used to enjoy better returns in the long run.
4 How much can I withdraw from my investments?
There are no set rules and you can withdraw periodically unless there is a lock-in-period. You can withdraw a lump sum amount or as and when required. However, you should withdraw only if you need money for an emergency or for a specific goal. If you make a profit, you can reinvest the money but before you do, take into consideration the fees and taxes you will be paying for every time you do this.
5 What is the safest investment with highest refund?
There are many investment avenues that can give you good returns but If you are not sure, then you need to analyse your requirement and risk appetite to consider a certain investment option as the best. Indians generally prefer to invest in government-backed instruments since they are considered safe but the following options can also give you good returns
Fixed Deposit (FD)
Public Provident Fund (PPF)
National Pension Scheme (NPS)
Gold
Equity-Linked Savings Scheme (ELSS)
Recurring Deposit (RD)
Real Estate
6 What is the 72 rule in investing?
The rule of 72 in investing refers to a formula that helps you understand how long it takes for your investment to double. Start by determining your annual return rate. Divide 72 by your return rate to estimate the number of years your investment will take to double. For example, if you earn 8% returns, you can expect your corpus to double in nine years.
7 How can I grow my money fast?
Many high-risk investments provide quick and high returns. However, they expose you to very high risks. Evaluate a mix of high-risk and medium-risk investment options to identify the ideal way to build your money quickly.
8 What is the safest investment?
The safest investment option depends on the risk appetite of the investor. Any investment that helps you grow your wealth steadily is safe. You can evaluate your risk appetite and find plans that offer minimal exposure to risk while building a corpus for the future.
9 Should I invest in gold?
Gold is a sound investment since it can help diversify your portfolio and offer a hedge against inflation. However, you must understand your financial needs before making any investment.
10 Is a 10% return on investment realistic?
Yes, some investment options offer 10% returns. However, remember that a fund’s historical performance does not guarantee the same returns in the future. Ensure you understand the risks and rewards involved before investing. or you can consult with an expert to understand the same.
11 How can you double your investment in five years?
For example if your investment plan is offering at least 15% returns will help double your investment in five years. Ensure you consider all your options and invest in plans that manage your risk while providing steady returns.However, the returns also depend on the performance of the commodity in which the money is invested.
12 Which plan is best for investment?
The best investment plan is the one that suits your financial goals. It must also match your risk tolerance and meet your time horizon. Consult with a financial advisor before you select your investment bouquet.
13 What is the 15 * 15 * 30 rule?
According to the 15 * 15 * 30 rule allocate 15% of your income to short-term savings, 15% to long-term investments, and 30% to daily living expenses. This helps create balance in your financial planning.
14 Which investment gives the highest return?
Stocks, real estate, and mutual funds have always been high-return investments. However, it is vital to consider your risk tolerance and investment goals before making decisions.
15 What are the modes of investment?
The modes of investment would generally include a lump sum payment, where you are investing a considerable amount at one go, or systematic investments where you are investing periodically a smaller amount over some time. These modes cater to different financial strategies, thereby giving you the leverage to choose based on your comfort and financial planning.
16 What are the 4 main investments?
The main types of investments usually include stocks, bonds, mutual funds, and real estate. Each of these serves a different purpose in your portfolio, from the potential for growth to income generation or even diversification.
17 What factors should I consider before selecting an investment plan?
While choosing an investment plan, take into consideration factors such as financial goals, risk tolerance, time of investment, and potential returns. Consider, too, flexibility, costs, and any other added features that may add more value to your investment.
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1. Provided all due premiums have been paid and the policy is in force.
3. This applies to Income Variant, whereby guaranteed income is paid on survival of Life Assured during the policy term, provided all due premiums are paid during the premium payment term
4. Additional Sum Assured on accidental death is paid under Extra Life Option.
5. Sum Assured multiple up to 100x depending upon entry age, premium payment term & policy term.
8. Assured maturity benefit will be paid only on policy maturity provided all due premiums have been paid and will not apply on death or surrender.
* Subject to conditions specified u/s 80C of the Income tax Act, 1961.The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year. HDFC Life Sanchay Plus (UIN: 101N134V24) is a non-participating, non-linked savings insurance plan. HDFC Life Sanchay Fixed Maturity Plan (UIN:101N142V07) is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan. Life Insurance Coverage is available in this product. HDFC Life Smart Protect Plan (UIN: 101L175V03) is a unit linked, non-partcipating individual life insurance product. HDFC Life Sampoorn Nivesh (U