Highlights
Interest Rate	0%
Loan Amount	Min. – Rs 100000 Max. – Rs 2000000
Tenure	Min. – 5 Yrs. Max. – 20 Yrs.

Interest Rates

Tenure Interest Type Interest Rate Offer 15 – 20 Yrs. Floating 9.25 % 10 – 15 Yrs. Floating 9.25 % 5 – 10 Yrs. Floating 9.25 % 1 – 5 Yrs. Floating 9.25 % 5 – 10 Yrs. Fixed 10.75 % 1 – 5 Yrs. Fixed 10.75 %

Fees & charges

With this plan you can start building your savings today and make a bright future for your child. This plan provides valuable protection to your child in your absence.

Features and advantages:

• This plan gives you the opportunity to get an outstanding investment to increase your savings by providing you a list to choose from the researched and selected investments.

• At the time of maturity it gives you additional benefits.

• It absolutely requires no medical examination; you just have to fill a medical questionnaire.

• A decreasing sum assured payable if you die during the term of the contract. This sum assured is intended to help pay-off your outstanding home loan.

• The tenure of the policy is of 15 years.

• The minimum age limit for this policy is of 18 years and maximum is of 50 years.

• You get a choice to invest in any of the 7 funds depending on your risk bearing capacity.

• You also have many ways in which you can pay your premium.

• Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 1961

• Your family need not pay any further premiums. The company will pay 50% of the original regular premiums towards your policy. On maturity your child will receive the fund value plus the Additional benefit.

• You can choose to pay your premium monthly or annually.

• You can pay your future premiums in a different selection of funds as per your wish.

• You can shift from one fund to another fund at anytime you feel.

It is a plan which will help you to increase your wealth and give you dual advantage of exclusive funds with limited premium payment term.

It provides financial protection to your family and at the same time tries to boost your wealth.

Features:

• Along with the fund value it gives you additional bonus at the time of maturity.

• You can ask the investment manager to take decisions regarding the re-allocation of funds between debt and equity when the market conditions keep changing.

• You get a choice of premium payment term for 3 years or 5 years.

• It gives you a choice to invest in any of the 4 funds depending on your risk bearing capacity.

• If the premium payment term is of 3 years then the minimum entry age is 18 years and maximum is 55 and at the time of maturity the maximum is 65 years.

• If the premium payment term is of 5 years then the minimum entry age is 18 years and maximum is 55 and at the time of maturity the maximum is 70 years.

• If the premium payment term is of 3 years then the term period will be of 10 years.

• If the premium payment term is of 5 years then the term period will be of 15 years.

• Your funds can be accessed on maturity, on death, on surrender or on partial withdrawal.

• The minimum premium to be paid for the first 3 years is Rs.2, 50,000 p.a and there is no maximum limit.

• Your policy will get a sum assured of 5 times your annualized premium.

Benefits:

• You can choose to pay your premium as either Monthly (through Standing Instructions or ECS facility), Half yearly or annually.

• If in case you have not opted for asset allocation., then you can change your investment fund choices in two ways:
  • Switching: You can move your accumulated funds from one fund to another anytime
  • Premium Redirection: You can pay your future premiums into a different selection of funds, as per your need.

• You get the tax benefits under section 80C and 10(10) D of the Income Tax Act, 1961.

• In the long term, the key to building great maturity values is a low Fund Management Charge (FMC). We have a low FMC of only 1.35% per annum (of the fund’s value).

• This plan provides you with the option of investing among the exclusive funds selected.

• At the date of maturity additional bonus will be added to your fund value, this will be a percentage of your average annualized premium.

This plan will ensure that incase of your unfortunate death your family is not affected by any financial burden. It ensures that your loved ones live their life with respect and dignity in your absence.

Features:

In this plan you get:

• The opportunity to choose the plan on a single life basis or on a joint life basis.

• Choice to pay the premium on a regular interval basis or on a single one- time premium.

• Protection cover to your family’s future by supporting them in case of their financial needs.

• High cover at a very affordable cost with the option to add additional benefits.

Benefits:

• In case of unforeseen circumstances or critical illness during the policy term, the sum assured + the additional benefits will be paid by the company to the nominee of the policy.

• There are no benefits to be paid to the life insured on his survival till the end of the maturity period.

Tax Benefits:

• Under Section 80C, you can save tax each year as premiums up to Rs.1, 00,000 are allowed as a deduction from your taxable income.

• Under section 80 D , additional premium paid for Critical Illness benefit or Accelerated Sum Assured benefit qualify for deduction up to Rs.15,000 (Rs.20,000 for senior citizens) from your taxable income.

• Under Section 10 (10D), the benefits you receive from this policy are completely tax-free, subject to the conditions specified therein.

This plan ensures that you get full financial support if you undergo a surgery or if you are hospitalized. It ensures that you become financially independent at all times.

Features:

• Your policy does not get terminated even after the payment of the first or subsequent surgical procedures.

• If your sum assured is of more than Rs.2, 00,000 then your plan is subject to get a premium discount of 35 % on the cover.

• The premium of this plan depends upon the sum assured, your age, policy term, gender, premium payment frequency and additional benefits.

• The minimum amount of premium payment in installments on yearly basis is 1,000 and on 6 monthly basis is 2,000. The amount is to be paid through ECS/SI.

• Flexibility to choose from 2 optional benefits while buying the policy:
  • Surgical benefit and hospital cash benefit.
  • Only surgical benefit.

• The minimum sum assured is Rs.1,00,000 and the maximum is Rs.5,00,000.

• This policy covers him against 82 surgical procedures.

• You are provided with 24 hours call centre facility in case if you need any information about the plan.

• This plan can be taken only on a single life basis.

Advantages:

• Flexibility to choose the level of health cover, premium payment options and benefits option level.

• You also get the flexibility to choose hospital cash benefit.

• Tax benefits can be availed under section 80D of the Income Tax Act, 1961.

• 82 major surgical procedures are covered under this plan.

• You get the benefits of this plan regardless of the medical expenses.

• It automatically increases the level of health cover in case of increase in the medical costs.

It is a unit linked single premium pension plan proposed to provide you with an income after your retirement. It gives you the flexibility to boost your investment returns.

This plan provides you with the additional bonus of 5% of initial single premium at the age of vesting.

Features:

• The minimum term for this plan is of 10 years and maximum term is of 40 years.

• It gives you a choice to invest in any of the 7 funds depending on your risk bearing capacity.

• It gives you the flexibility to plan your retirement years accordingly by choosing your retirement date.

• The minimum single premium you will have to pay is only at the initial stage of this policy. The amount to be paid is Rs.50, 000.

• You can get access to your funds at the time of vesting or at the time of surrender or at the time of death.

• The minimum age limit for this plan is of 18 years and maximum is of 65 years.

• At the age of retirement the minimum age limit is of 50 years and maximum is of 75 years.

Benefits:

• Through the option of switching you can transfer your accumulated funds from one fund to another at anytime.
• You get tax benefits under section 80CCC of the Income Tax Act, 1961.

• On your retirement date you will get the value of the units in your policy. You can claim 1/3^rd of the fund value plus the additional bonuses as tax free and the rest amount will be converted into annuity.

• Your fund value will be paid to you with the additional bonus of 5% at the initial single premium chosen at the beginning.
• In the long term, the key to building great maturity values is a low Fund Management Charge (FMC). This plan has a low FMC of only 1.25% per annum (of the fund’s value).

This is a unit linked plan which is specially created to provide you with the income for your life after retirement.

It also gives you the flexibility to choose your retirement date.

Features:

• It gives you a choice to invest in any of the 7 funds depending on your risk bearing capacity.

• You also get the option of asset allocation.

• It gives you the flexibility to plan your retirement years accordingly by choosing your retirement date.

• It also gives you additional bonuses to the fund value at the retirement period.

• The minimum age limit for this plan is of 18 years and maximum is of 65 years.

• At the age of retirement the minimum age limit is of 50 years and maximum is of 75 years.

Benefits:

• On your retirement date you will get the value of the units in your policy. You can claim 1/3^rd of the fund value plus the additional bonuses as tax free and the rest amount will be converted into annuity.

• You can choose to pay your premium as either Monthly (through Standing Instructions or ECS Mandate), Half yearly or annually. You also have a range of convenient auto premium payment options.

• If in case you have not chosen the asset allocation option, you can change your investment choices in two ways:
  • You can transfer the accumulated funds to any other funds at anytime.
  • You can pay your further premiums into any funds selected as per your wish.

• You get a fund value at the date of maturity with additional bonus.

• You get tax benefits under section 80CCC of the Income Tax Act, 1961.

This is a single premium investment plan which aims at providing long-term real growth to your funds. This plan helps you to pay your present financial expenses and at the same time take care of your family’s needs.

It ensures that you maintain a better standard of living in your future.

Features:

• In case of unfortunate death of the life assured, the nominee gets the sum assured and bonuses which are usually added at the year end. At the end of the term an additional bonus may be paid depending upon the performance of the investment.

• The minimum premium to be paid is Rs.23, 750 while the maximum premium to be paid is Rs.47, 50,000.

• The minimum is Rs.25, 000 while the maximum premium to be paid is Rs.50, 00, 000. The premium rate is Rs.950 per Rs.1000 of the sum assured.

• The minimum entry age is 18 years and the maximum age is 70 years.

• You are not required to undergo any medical examination as per this plan.

Benefits:

• This plan aims at providing long-term growth to your money.

• You can decide on the policy term by using a feature built into it. For a period of 4 weeks, after any one of the 10th, 15th, 20th and subsequent five-year anniversaries, you can choose to receive the Sum Assured plus any attaching bonuses, in full. Once money has been received, your policy will be terminated or you may also continue the policy for your whole life.

• You can terminate the policy any time, after it has started, for at least 6 month and receive a surrender value. This plan will give you discretionary surrender value based on our experience. However, after completion of 3 years there will be a guaranteed surrender value of 50% of premium paid.

• Section 80C benefit is available for the premium paid under the plan to the extent of 20% of the Sum Assured.

• In the event of a death claim the money paid is exempt as per Section 10(10D), of the Income Tax Act 1961.

In this plan you can boost your savings but at the same time you can also secure yourself and your family’s future. This is a unit linked plan which gives you an investment opportunity by providing selected and researched investments.

Features:

• The minimum regular premium is Rs.15, 000 and the maximum amount is Rs.1, 00, 000 in case of annual frequency, Rs.8000 for half yearly frequency.

• The minimum sum assured for this plan is Rs.75, 000 and maximum is 5, 00,000.

• The minimum entry age is of 18 years and maximum is 45 years.

• At retirement, the maximum entry age is 75 years.

• Opportunity to choose your investment from a list of 7 investment funds depending on your risk bearing capacity.

• The minimum term limit for this plan is of 15 years and maximum is 20 years.

• Your policy will get a fixed sum assured of 5 times of your annualized premium.

• This plan does not require you to undergo a medical check-up, instead a small medical questionnaire is enough.

Benefits:

• You can choose to pay your premium as either Monthly (through Standing Instructions or ECS facility), Half yearly or annually.

• If in case you have not opted for asset allocation., then you can change your investment fund choices in two ways:
  • Switching: You can move your accumulated funds from one fund to another anytime
  • Premium Redirection: You can pay your future premiums into a different selection of funds, as per your need.

• You get the tax benefits under section 80C and 10(10) D of the Income Tax Act, 1961.

• In the long term, the key to building great maturity values is a low Fund Management Charge (FMC). We have a low FMC of only 1.25% per annum (of the fund’s value).
• This plan gives you additional bonus to the fund value at the time of maturity. Your fund value with the additional bonuses is the percentage of your original annualized premium.

• This plan provides protection to your family in your absence, and agrees to pay the fund value and the sum assured at the time of maturity to your family.

It is a plan that will help you to save money and at the same time invest your money to achieve your future goals.

HDFC Standard Life invests the premiums that you pay in order to give you better returns in the form of bonuses.

Features:

• No medical examination required under this plan.

• Flexibility in terms of payment options and additional optional benefits.

• It helps you to secure your long term financial goals.

• It gives you an opportunity to save and invest regularly.

• Tax benefits can be availed on the premiums you pay and the amount you receive.

• The minimum age at the entry level is 18 years and maximum is 60 years.

• The minimum age at maturity is 75 years.

• The minimum term of the plan is of 10 years and maximum term is of 30 years.

• You can choose to save monthly, yearly, or quarterly as per your wish.

• The amount you wish to invest is automatically gets invested from your bank account into the plan.

• Very limited documentations required under this plan.

Benefits:

• You get the sum assured and additional bonuses, if any, on the date of maturity.

• This plan also receives simple reversionary bonus, which is added every year. You may also get additional bonuses at the end of the term.

• On death during the first year, a sum equal to 80% of premiums received is payable. On death after the first year and during the policy term, all premiums paid to date will be returned with compound interest calculated at 6% per annum, subject to a maximum of the sum assured plus reversionary bonuses declared to date.

• Under section 80 C and 10(10) D of the Income Tax Act, 1961 can be availed.