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Branch Locator

Policy Holder Services

Fund Performance Check

Retirement & Pension Plans

Timely Planning is the way to #RetireOnYoursTerms!

Start saving today to enjoy a worry-free retirement life. Buy a retirement plan now.

1800-266-9777 (All Days, from 9am to 9pm, Toll Free)

Have you saved enough to meet your expenses post-retirement?

  • Listing Bullet Inflation can eat away your dwindling retirement income easily.
  • Listing Bullet With increasing life expectancy, the longer you live, the more you spend.
  • Listing Bullet Start preparing early to save enough to support your needs and wants.
Have you saved enough to meet your expenses post-retirement?

Retirement Plan

Get better equipped at dealing with your post retirement years.

HDFC Life New Immediate Annuity Plan

A traditional Retirement Plan with guaranteed returns1

UIN: 101N084V22

  • Get GuaranteedIncome during retirement at your desired frequency.

  • Benefit from higher annuity rates at purchase price of ₹ 2,50,000 or higher.

  • Get Return of Purchase Price upon death or critical illness.3

  • Choose your payout frequency– monthly, quarterly, half-yearly, or yearly.

How much should I save for my retirement?

How much should I save for my retirement?

Use our quick and simple calculator to know what’s ideal for you.


Personal Details


Financial details

Your Required life cover to protect your family’s future is


Recommended plans for you

The values shown here are only for illustration. The results are generated based on the information provided. It is not intended to be and must not alone be taken as the basis for an investment decision.

HDFC Life Pension Guaranteed Plan

A single premium pension plan with single or joint life cover option to plan the financial security of 2 people

UIN: 101N118V09

  • Choose the purchase price you wish to pay and choose the annuity amount you wish to receive.
  • Choose single or joint life insurance7.
  • Choice to increase your annuity payout anytime through Top up option.
  • Option to receive annuity monthly, quarterly, half-yearly or yearly based on your financial needs.
  • Policy loan facility available under the plan 


Have pension fund in the UK and looking to migrate it to India?

  • Tax efficient transfer of pension funds from UK to India

  • Enjoy steady income in India post retirement

  • Avail attractive annuity rates and fund growth



Retirement Plan Buying Guide

1 What Are Pension & Retirement Plans?

Pension plans are investment plans that lets you allocate a part of your savings to accumulate over a period of time and provide you with steady income after retirement. Retirement & Pension Plans provide you with financial security so that when your professional income starts to ebb, you can still live with pride without compromising on your living standards. Given the high cost of living and rising inflation, Retirement planning has become all the more important.

2 Why You Need Pension & Retirement Plans?

3 3 Reasons You Need To Start Your Retirement Planning Today

4 Factors to Consider While Buying Pension Plans

Retirement Planning is simple.

Tune in to this video to know all about Pension Plans.

Still not sure which is the right plan ?

Still not sure which is the right plan ?

Let us help you


Have a question?

We’ll tell you everything you need to know about Retirement Plans.

1 What are the Steps to Buy Retirement Plan?

A retirement plan is a multi step process that evolves with time. The following steps will help you map out a retirement plan:

  • Set a budget - list out 30 things in order of priority breaking them into short, medium and long term goals. Allocate your current income to get an estimate.

  • Evaluate your current financial position - examine your current financial position versus your financial goals, be more proactive about savings, investments and income.

  • Identify your income sources -  consider all your income sources including insurance, investment portfolios, assets, and an option to do a part-time job to take charge of your retirement funds.

  • Are you running short? Re-evaluate your investment, make catch-up and bite-sized contributions to fill the gap.

2 When should I start planning for retirement?

3 What is the importance of insurance in retirement planning?

4 Can I change the Nominee of the policy?

5 What is Vesting Date?

For Pension Plans or Retirement Plans, the vesting date is the Maturity date on which the policy holder can take 1/3 of the Maturity value as a cash lump sum and remaining should be used for purchasing Annuities/ policyholder can also use 100% of maturity value for purchasing Annuities.

*Annuity Kit is sent 30 days in advance to the correspondence address before the maturity of the pension policy.

6 How can I Pay the Pension Plan Premiums?

You can pay your retirement plan premiums online via:

  1. Netbanking
  2. Credit card/ Debit card
  3. Debit Card with PIN
  4. SI on card

7 Whom should I contact for queries?

In case of any queries related to plan or form filling pls call our toll free number 1800 266 9777 or contact us at [email protected]
For submitting documents or any other query after premium payment, you can write us at [email protected] or call us on toll free number 1800 266 0315.
Post policy Issuance you can reach out our customer service desk on 1860 267 9999 (Local call charges apply) or write to us at [email protected]

Click here to view the Specimen Policy Document of this plan.

  1. The word “Guaranteed” and “Guarantee” mean that annuity payout is fixed once the policy has been purchased.
  2. Only for policies that are in-force. (3% of sum assured on vesting) that will get accrued for each completed policy year. Subject to policy being in force and all due premiums being paid. Conditions Apply.
  3. Available only under ‘Life Annuity with Return of Purchase Price on diagnosis of Critical Illness’ option.
  4. No entry and exit charge mean no premium allocation and no discontinuance charge respectively. Only Fund Management & Investment Guarantee Charges as applicable under this plan.
  5. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
  6. Provided all due premiums have been paid.
  7. In the case of Joint Life annuities the payout continues till either of the lives chosen in the policy is alive.
  8. The age mentioned is the age as per the last birthday.
  9. Total Premiums Paid means total of all the premiums received, excluding any extra premium, any rider premium and taxes.

ARN: EU/07/21/24463