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HDFC Life Savings/Invesment Plans

Investing for the future is something most of us have on our minds, but often failing to actually go ahead and invest on account of multiple factors. Given the importance of securing our income for a rainy day, it is imperative to consider savings/investment plans. HDFC Life offers a host of savings/investment plans catering to different requirements. Not only do they help secure your financial security, they also help your family meet any financial emergencies in the event of your demise.

Benefits of HDFC Life Savings/Investment Plans

  • Plans offered by HDFC Life provide guaranteed maturity benefits, ensuring the investment grows over a period of time.
  • One can choose a policy term which matches his/her needs. HDFC Life offers plans with terms ranging between 15 and 25 years.
  • These plans come with a limited premium payment term, helping one avail the benefits of a policy while paying for a limited period.
  • One can avail tax benefits under the respective tax laws of India.
  • One can choose from different fund options which meet their growth trajectory.

List of Savings/Investment Plans offered by HDFC Life

HDFC Life offers 15 investment plans, as mentioned below:

HDFC Life Click2Invest ULIP:

This is unit linked plan which can be purchased online. One can choose the period of investment, with HDFC Life offering 8 fund options to choose from. Not only does the fund provide a death benefit in the event of demise of policyholder, it also offers a maturity benefit after the term ends.

Plan Name Entry Age Maturity Age Premium
HDFC Life Click2Invest ULIP Minimum – 0 years Maximum – 65 years Minimum – 18 years Maximum – 75 years Minimum:
  • Single – Rs.24,000
  • Half-yearly – Rs.6,000
  • Monthly – Rs.1,000
  • Annual – Rs.12,000
  • Quarterly – Rs.3,000
Maximum – No upper limit

HDFC Life Sanchay Plan:

This is a non-participating plan which provides assured benefits to members. One can customise the plan to match their growth expectations. The plan offers benefits ranging between 220 and 325% of the sum assured, with the option to choose a policy term as per the commitments one has.

Plan Name Entry Age Maturity Age Premium
HDFC Life Sanchay Minimum – 30 days Maximum – 45 years Minimum – 18 years Maximum – 70 years Minimum:
  • Half-yearly – Rs.15,000
  • Monthly – Rs.2,500
  • Annual – Rs.30,000
  • Quarterly – Rs.7,500
Maximum – No upper limit

HDFC Life Sampoorn Samridhi Plus:

This is a plan which provides cover for the entire life of an individual, ensuring that his/her family is financially secure irrespective of what happens.

Plan Name Entry Age Maturity Age Premium
HDFC Life Sampoorn Samridhi Plus Minimum – 30 days Maximum –60 years Minimum – 18 years Maximum – 75 years Minimum:
  • Monthly-Rs.1,000
  • Quarterly – Rs.3,000
  • Half-yearly – Rs.6,000
  • Annually –Rs.12,000
Maximum – No upper limit

HDFC Life Super Savings Plan:

This is a plan which provides profit on the investment, primarily targeting those looking for long-term savings. It offers a maturity benefit which consists of the sum assured plus any bonuses accrued during the term. In the event of demise of policyholder, a death benefit will be paid to the nominee.

Plan Name Entry Age Maturity Age Premium
HDFC Life Super Savings Plan Minimum – 30 days Maximum –60 years Minimum – 18 years Maximum – 75 years Minimum:
  • Monthly-Rs.2,000
  • Quarterly – Rs.6,000
  • Half-yearly – Rs.12,000
  • Annually –Rs.24,000
Maximum – No upper limit

HDFC Life Classic Assure Plan:

This doubles as an insurance plus investment plan, offering profits to policyholders. It provides an assured reversionary bonus of 3% (minimum), in addition to a maturity benefit after the policy term. A death benefit will be paid in case of demise of policyholder. One can also opt for a policy loan to meet financial emergencies.

Plan Name Entry Age Maturity Age Premium
HDFC Life Classic Assure Plan Minimum:
  • 30 days for 20 year policy
  • 3 years for 15 year policy
  • 8 years for 10 year policy
Maximum:
  • 55 years for 20 year policy
  • 60 years for 15 year policy
  • 55 years for 10 year policy
Maximum:
  • 75 years for 15/20 year policy
  • 65 years for 10 year policy
Minimum:
  • Monthly-Rs.1,000
  • Quarterly – Rs.3,000
  • Half-yearly – Rs.6,000
  • Annually –Rs.12,000
Maximum – No upper limit

HDFC Life Super Income Plan:

This is a non-linked, participating plan which provides assured income for a period ranging between 8 and 15 years. It offers a maturity benefit, bonuses, and assured base income to the policyholder. In the event of death, a death benefit will be paid to the nominee.

Plan Name Entry Age Maturity Age Premium
HDFC Life Super Income Plan Minimum:
  • 2 years for 16 year policy
  • 30 days for policies ranging between 18 and 27 years
Maximum:
  • 59 years for 16 year policy
  • 57 years for 18 year policy
  • 55 years for 20 year policy
  • 53 years for 22 year policy
  • 51 years for 24 year policy
  • 48 years for 27 year policy
Minimum: 18 years Maximum: 75 years Minimum:
  • Monthly-Rs.2,000
  • Quarterly – Rs.6,000
  • Half-yearly – Rs.12,000
  • Annually –Rs.24,000
Maximum – No upper limit

HDFC Life Sampoorn Nivesh:

One can choose from 8 fund options, with the plan providing flexibility to opt for an investment term which matches ones growth expectations. There are also three benefit options provided by HDFC Life, each offering a death benefit based on certain criteria.

Plan Name Entry Age Maturity Age Premium
HDFC Life Sampoorn Nivesh Minimum:
  • 30 days for Classic Benefit (Life Option) and Classic Plus Benefit
  • 18 years for Classic Benefit (Extra Life Option) and Classic Waiver Benefit
Minimum:
  • 18 years for Classic Benefit (Life Option) and Classic Plus Benefit
  • 28 years for Classic Benefit (Extra Life Option) and Classic Waiver Benefit
Minimum:
  • Monthly-Rs.2,000
  • Quarterly – Rs.6,000
  • Half-yearly – Rs.12,000
  • Annually –Rs.24,000
  • Single – Rs.24,000
Maximum – No upper limit

HDFC Life ProGrowth Plus:

This is a plan which doubles as a savings plus insurance scheme. It offers the sum of all accumulated savings in the fund, with the policyholder having the option to choose between two plan options. It offers a death benefit equivalent to the highest of the sum assured, value of the fund, or the minimum death benefit.

Plan Name Entry Age Maturity Age Premium
HDFC Life ProGrowth Plus Minimum
  • 14 years for Life Option
  • 18 years for Extra Life Option
Maximum
  • 65 years for Life Option
  • 55 years for Extra Life Option
Maximum
  • 75 years for Life Option
  • 70 years for Extra Life Option
Minimum:
  • Monthly-Rs.2,500
  • Half-yearly – Rs.10,000
  • Annually –Rs.24,000
Maximum:
  • Rs.1 lakh per year

HDFC SL ProGrowth Flexi:

This is a unit linked plan which doubles as a savings plus insurance plan. One can choose from different funds, with the plan offering two option. In terms of death benefits. Individuals who opt for the Life Option will be protected by a death benefit, while those opting for an Extra Life Option will be covered by a death benefit plus an accidental death benefit.

Plan Name Entry Age Maturity Age Premium
HDFC SL ProGrowth Flexi Minimum:
  • 14 years for Life Option
  • 18 years for Extra Life Option
Maximum:
  • 65 years for Life Option
  • 55 years for Extra Life Option
Maximum:
  • 75 years for Life Option
  • 70 years for Extra Life Option
Minimum:
  • Monthly-Rs.2,500
  • Half-yearly – Rs.10,000
  • Annually –Rs.24,000
Maximum:
  • No upper limit

HDFC SL ProGrowth Super II:

This is a unit linked scheme which provides an individual 8 plan options to choose from, each offering protection against a number of contingencies.

Plan Name Entry Age Maturity Age Premium
HDFC SL ProGrowth Super II Minimum
  • 14 years for Life Option
  • 18 years for all other plans
Maximum
  • 65 years for Life Option
  • 55 years for all other plans
Maximum
  • 75 years for Life Option
  • 70 years for Extra Life Option
  • 65 years for all other plans
Varies based on the plan option

HDFC SL Crest:

This is a ULIP which is designed for those looking for short-term investment. Policyholders are provided a cover for a period of 10 years, with four diverse fund options to choose from.

Plan Name Entry Age Maturity Age Premium
HDFC SL Crest Minimum
  • 14 years
Maximum
  • 55 years
Maximum
  • 65 years
Minimum
  • Rs.50,000
Maximum
  • No upper limit

HDFC Life Uday:

This is a traditional plan which participates in the profits of the company. It offers guaranteed additions each year, with bonuses provided every year. It also provides additional protection in case of accidental death.

Plan Name Entry Age Maturity Age Premium
HDFC Life Uday Minimum
  • 18 years
Maximum
  • 55 years
Minimum
  • 30 years
Maximum
  • 70 years
Minimum
  • Monthly-Rs.500
  • Quarterly – Rs.1,250
  • Half-yearly – Rs.2,500
  • Annually –Rs.5,000
Maximum
  • No upper limit

HDFC SL ProGrowth Maximiser:

This is a plan which provides protection for the policy term after a single premium has been paid. In essence it is a ULIP which provides a maturity benefit and death benefit.

Plan Name Entry Age Maturity Age Premium
HDFC SL ProGrowth Maximiser Minimum
  • 14 years
Maximum
  • 65 years
Maximum 75 years Minimum: Rs.50,000 Maximum: No upper limit

HDFC Life Capital Shield:

This is a unit linked plan which does not participate in the profits of the company. It provides investors an assured maturity benefit, ensuring that their investment is free from associated market risks.

Plan Name Entry Age Maturity Age Premium
HDFC Life Capital Shield Minimum
  • 8 years
Maximum
  • 60 years
Minimum
  • 18 years
Maximum
  • 70 years
Minimum:
  • Single- Rs.48,000
  • Yearly – Rs.48,000
  • Half-yearly – Rs.24,000
  • Quarterly – Rs.12,000
  • Monthly – Rs.4,000
Maximum: No upper limit

HDFC Life Pragati:

This plan is designed for those looking to secure their future with minimal investments. A non-linked plan which offers bonuses based on the performance of the company, it provides multiple options for policyholders to choose from.

Plan Name Entry Age Maturity Age Premium
HDFC Life Pragati Minimum
  • 8 years
Maximum
  • 55 years
Minimum
  • 18 years
Maximum
  • 65 years
Minimum:
  • Single- Rs.5,000
  • Yearly – Rs.900
  • Half-yearly – Rs.450
  • Quarterly – Rs.225
  • Monthly – Rs.100
Maximum:
  • Single – Rs.15,500
  • All other modes – Rs.5,500

HDFC SL Sarvgrameen Bachat Yojana:

This is a microinsurance scheme which is designed to provide insurance cover to individuals from rural areas. In addition to protection, it also offers generous returns on investments.

Plan Name Entry Age Maturity Age Premium
HDFC SL Sarvgrameen Bachat Yojana Minimum
  • 18 years
Maximum
  • 60 years
Maximum
  • 65 years
  • Single premium – Rs.200

Why do you need HDFC Life Savings/Investment Plans?

A close look at our parents or grandparents is sufficient for us to see that inflation can have a deep impact on our money, and any amount left stagnant loses its value over time. An investment plan from HDFC can help our money grow over time, while offering life cover, ensuring that we meet two basic requirements.

The option to choose from a range of products ensures that we find a plan which suits our budget, irrespective of how much we can invest. Choosing to secure our future through a savings plan from HDFC Life not only helps us meet any contingencies which can arise, but also helps us live in peace.