11-06-2024

Quote No : qc8g5aaeexdur

Benefit Illustration for HDFC Life Sanchay Par Advantage

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC
Life Sanchay Par Advantage

Age is taken as on last birthday Proposal No:

Name of the Prospect /Policy holder: PRAVALIKA Name of the Product: HDFC Life Sanchay Par Advantage
Age: 23 A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Name of the Life Assured: PRAVALIKA
Unique Identification No: 101N136V03
Age: 23
GST Rate: 4.5%* for first year
Policy Term 77 year(s)
2.25%* second year onwards
Premium Payment Term: 12 year(s)
Amount of Installment Premium(Without GST): 50000
Mode of Payment of Premium: Annual
Mode of Payment of Survival Benefit: Annual
*0% if qualifies as zero-rated supply under GST law

How to read and understand this benefit illustration?

This benefit illustration is intended to show year wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8% p.a. and 4% p.a.

"Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers
guaranteed benefits then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will
show two different rates of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits
of what you might get back, as the value of your policy is dependent on a number of factors including future investment performance."

Policy Details
Policy Option Immediate Income Sum Assured on Maturity Rs. 6,00,000
Sum Assured on Death (at inception of
Bonus Type Cash Bonus 6,60,000
the policy) Rs.

Premium Summary
Base CI IB Total Installment
PP Rider (PAC) PP Rider (ADC) PP Rider (CC) WOP Rider
Plan Rider Rider Premium

Instalment Premium without GST 50000 0 0 0 0 0 0 50000

Instalment Premium with First
52250 0 0 0 0 0 0 52250
Year GST
Instalment Premium with GST 2nd
51125 0 0 0 0 0 0 51125
Year Onwards

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 (Amounts in Rupees.)
Total Benefits
Non Guaranteed Non-Guaranteed including Guaranteed and Non-Guaranteed Benefits
Guaranteed Benefits
Benefits @ 4% p.a. Benefits @ 8% p.a.
Maturity Benefit Death Benefit Surrender Benefit
Total
Single / Total Total Total Total
Policy Total Death
Annualized Maturity Death Surrender Surrender
Year Maturity Benefit
Premium Benefit, Benefit Benefit Benefit
Survival Surrender Death Maturity Cash Surrender Cash Surrender Benefit, incl of
GA RB RB incl TB, incl of TB, incl of TB, incl of TB,
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# incl TB, if TB, if
if any, @ if any, @ if any, @ if any, @
any, @ 8% any, @
4% 8% 4% 8%
(7+TB) 4%
(7+TB) (6+TB) (5+10) (5+13)
(6+TB)

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

1 50,000 0 0 0 6,60,000 0 0 10,250 0 0 19,750 0 0 0 6,60,000 6,60,000 0 0

2 50,000 0 0 30,000 6,60,000 0 0 10,250 5,000 0 19,750 11,500 0 0 6,60,000 6,60,000 35,000 41,500

3 50,000 0 0 52,500 6,60,000 0 0 10,250 7,500 0 19,750 26,000 0 0 6,60,000 6,60,000 60,000 78,500

4 50,000 0 0 1,00,000 6,60,000 0 0 10,250 10,000 0 19,750 15,500 0 0 6,60,000 6,60,000 1,10,000 1,15,500
5 50,000 0 0 1,25,000 6,60,000 0 0 10,250 12,500 0 19,750 33,000 0 0 6,60,000 6,60,000 1,37,500 1,58,000

6 50,000 0 0 1,50,000 6,60,000 0 0 10,250 24,500 0 19,750 56,500 0 0 6,60,000 6,60,000 1,74,500 2,06,500

7 50,000 0 0 1,75,000 6,60,000 0 0 10,250 50,500 0 19,750 86,500 0 0 6,60,000 6,60,000 2,25,500 2,61,500

8 50,000 0 0 2,32,000 6,60,000 0 0 10,250 51,000 0 19,750 91,500 0 0 6,60,000 6,60,000 2,83,000 3,23,500
9 50,000 0 0 2,92,500 6,60,000 0 0 10,250 55,000 0 19,750 1,01,500 0 0 6,60,000 6,60,000 3,47,500 3,94,000

10 50,000 0 0 3,65,000 6,60,000 0 0 10,250 55,000 0 19,750 1,08,000 0 0 6,60,000 6,60,000 4,20,000 4,73,000

11 50,000 0 0 4,40,000 6,60,000 0 0 10,250 60,000 0 19,750 1,22,500 0 0 6,60,000 6,60,000 5,00,000 5,62,500

12 50,000 0 0 5,40,000 6,60,000 0 0 10,250 48,500 0 19,750 1,22,500 0 0 6,60,000 6,60,000 5,88,500 6,62,500

13 0 0 0 5,40,000 6,60,000 0 0 10,250 65,500 0 19,750 1,55,000 0 0 6,60,000 6,60,000 6,05,500 6,95,000

14 0 0 0 5,40,000 6,60,000 0 0 10,250 83,000 0 19,750 1,88,000 0 0 6,60,000 6,60,000 6,23,000 7,28,000
15 0 0 0 5,40,000 6,60,000 0 0 10,250 1,00,500 0 19,750 2,22,500 0 0 6,60,000 6,60,000 6,40,500 7,62,500

16 0 0 0 5,40,000 6,60,000 0 0 10,250 1,45,500 0 19,750 2,85,000 0 0 6,60,000 6,60,000 6,85,500 8,25,000

17 0 0 0 5,40,000 6,60,000 0 0 10,250 1,64,000 0 19,750 3,22,500 0 0 6,60,000 6,60,000 7,04,000 8,62,500

18 0 0 0 5,40,000 6,60,000 0 0 10,250 1,83,000 0 19,750 3,61,500 0 0 6,60,000 6,60,000 7,23,000 9,01,500

19 0 0 0 5,40,000 6,60,000 0 0 10,250 2,02,000 0 19,750 4,02,500 0 0 6,60,000 6,60,000 7,42,000 9,42,500
20 0 0 0 5,40,000 6,60,000 0 0 10,250 2,21,500 0 19,750 4,44,500 0 0 6,60,000 6,60,000 7,61,500 9,84,500

21 0 0 0 5,40,000 6,60,000 0 0 10,250 2,41,000 0 19,750 4,88,000 0 0 6,60,000 6,60,000 7,81,000 10,28,000

22 0 0 0 5,40,000 6,60,000 0 0 10,250 2,61,000 0 19,750 5,34,000 0 0 6,60,000 6,60,000 8,01,000 10,74,000

23 0 0 0 5,40,000 6,60,000 0 0 10,250 2,81,000 0 19,750 5,81,500 0 0 6,60,000 6,67,500 8,21,000 11,21,500

24 0 0 0 5,40,000 6,60,000 0 0 10,250 3,01,500 0 19,750 6,31,000 0 0 6,60,000 6,97,500 8,41,500 11,71,000

25 0 0 0 5,40,000 6,60,000 0 0 10,250 3,22,500 0 19,750 6,83,000 0 0 6,60,000 7,30,000 8,62,500 12,23,000
26 0 0 0 5,40,000 6,60,000 0 0 10,250 3,43,500 0 19,750 7,37,500 0 0 6,60,000 7,64,500 8,83,500 12,77,500

27 0 0 0 5,40,000 6,60,000 0 0 10,250 3,65,000 0 19,750 7,94,500 0 0 6,60,000 8,02,000 9,05,000 13,34,500

28 0 0 0 5,40,000 6,60,000 0 0 10,250 3,87,000 0 19,750 8,41,500 0 0 6,60,000 8,42,000 9,27,000 13,81,500

29 0 0 0 5,40,000 6,60,000 0 0 10,250 4,09,000 0 19,750 8,84,500 0 0 6,60,000 8,85,500 9,49,000 14,24,500

30 0 0 0 5,40,000 6,60,000 0 0 10,250 4,31,500 0 19,750 9,31,000 0 0 6,65,000 9,32,000 9,71,500 14,71,000
31 0 0 0 5,40,000 6,60,000 0 0 10,250 4,54,500 0 19,750 9,81,000 0 0 6,77,500 9,82,000 9,94,500 15,21,000

32 0 0 0 5,40,000 6,60,000 0 0 10,250 4,78,000 0 19,750 10,35,000 0 0 6,90,500 10,35,500 10,18,000 15,75,000

33 0 0 0 5,40,000 6,60,000 0 0 10,250 5,01,500 0 19,750 10,92,500 0 0 7,04,000 10,93,500 10,41,500 16,32,500

34 0 0 0 5,40,000 6,60,000 0 0 10,250 5,25,500 0 19,750 11,55,000 0 0 7,17,500 11,55,500 10,65,500 16,95,000

35 0 0 0 5,40,000 6,60,000 0 0 10,250 5,49,500 0 19,750 12,21,500 0 0 7,32,000 12,22,500 10,89,500 17,61,500

36 0 0 0 5,40,000 6,60,000 0 0 10,250 5,74,000 0 19,750 12,93,500 0 0 7,46,000 12,94,500 11,14,000 18,33,500
37 0 0 0 5,40,000 6,60,000 0 0 10,250 5,99,000 0 19,750 13,71,000 0 0 7,61,000 13,72,000 11,39,000 19,11,000

38 0 0 0 5,40,000 6,60,000 0 0 10,250 6,24,500 0 19,750 14,54,500 0 0 7,76,500 14,55,500 11,64,500 19,94,500

39 0 0 0 5,40,000 6,60,000 0 0 10,250 6,50,500 0 19,750 15,44,000 0 0 7,92,000 15,45,000 11,90,500 20,84,000

40 0 0 0 5,40,000 6,60,000 0 0 10,250 6,76,500 0 19,750 16,40,500 0 0 8,08,000 16,41,500 12,16,500 21,80,500

41 0 0 0 5,40,000 6,60,000 0 0 10,250 7,03,000 0 19,750 17,44,000 0 0 8,24,000 17,45,500 12,43,000 22,84,000
42 0 0 0 5,40,000 6,60,000 0 0 10,250 7,30,000 0 19,750 18,55,500 0 0 8,41,000 18,57,000 12,70,000 23,95,500

43 0 0 0 5,40,000 6,60,000 0 0 10,250 7,57,000 0 19,750 19,76,000 0 0 8,58,000 19,77,500 12,97,000 25,16,000

44 0 0 0 5,40,000 6,60,000 0 0 10,250 7,84,500 0 19,750 21,05,000 0 0 8,75,000 21,06,500 13,24,500 26,45,000

45 0 0 0 5,40,000 6,60,000 0 0 10,250 8,12,500 0 19,750 22,44,000 0 0 8,93,000 22,46,000 13,52,500 27,84,000

46 0 0 0 5,40,000 6,60,000 0 0 10,250 8,40,500 0 19,750 23,93,500 0 0 9,11,000 23,95,500 13,80,500 29,33,500

47 0 0 0 5,40,000 6,60,000 0 0 10,250 8,69,500 0 19,750 25,55,000 0 0 9,29,500 25,57,000 14,09,500 30,95,000
48 0 0 0 5,40,000 6,60,000 0 0 10,250 8,98,000 0 19,750 27,28,000 0 0 9,48,500 27,30,000 14,38,000 32,68,000

49 0 0 0 5,40,000 6,60,000 0 0 10,250 9,27,500 0 19,750 29,14,500 0 0 9,67,500 29,17,000 14,67,500 34,54,500

50 0 0 0 5,40,000 6,60,000 0 0 10,250 9,57,000 0 19,750 31,15,500 0 0 9,87,000 31,17,500 14,97,000 36,55,500

51 0 0 0 5,40,000 6,60,000 0 0 10,250 9,87,000 0 19,750 33,31,500 0 0 10,06,500 33,34,000 15,27,000 38,71,500

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 Total Benefits
Non Guaranteed Non-Guaranteed including Guaranteed and Non-Guaranteed Benefits
Guaranteed Benefits
Benefits @ 4% p.a. Benefits @ 8% p.a.
Maturity Benefit Death Benefit Surrender Benefit
Total
Single / Total Total Total Total
Policy Total Death
Annualized Maturity Death Surrender Surrender
Year Maturity Benefit
Premium Benefit, Benefit Benefit Benefit
Survival Surrender Death Maturity Cash Surrender Cash Surrender Benefit, incl of
GA RB RB incl TB, incl of TB, incl of TB, incl of TB,
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# incl TB, if TB, if
if any, @ if any, @ if any, @ if any, @
any, @ 8% any, @
4% 8% 4% 8%
(7+TB) 4%
(7+TB) (6+TB) (5+10) (5+13)
(6+TB)

52 0 0 0 5,40,000 6,60,000 0 0 10,250 10,17,000 0 19,750 35,64,000 0 0 10,26,500 35,66,500 15,57,000 41,04,000

53 0 0 0 5,40,000 6,60,000 0 0 10,250 10,44,000 0 19,750 38,14,000 0 0 10,47,000 38,17,000 15,84,000 43,54,000

54 0 0 0 5,40,000 6,60,000 0 0 10,250 10,64,000 0 19,750 40,83,500 0 0 10,67,500 40,86,500 16,04,000 46,23,500
55 0 0 0 5,40,000 6,60,000 0 0 10,250 10,84,500 0 19,750 43,73,000 0 0 10,88,000 43,76,500 16,24,500 49,13,000

56 0 0 0 5,40,000 6,60,000 0 0 10,250 11,05,500 0 19,750 46,85,000 0 0 11,09,000 46,88,500 16,45,500 52,25,000

57 0 0 0 5,40,000 6,60,000 0 0 10,250 11,26,000 0 19,750 50,21,000 0 0 11,30,000 50,25,000 16,66,000 55,61,000

58 0 0 0 5,40,000 6,60,000 0 0 10,250 11,47,000 0 19,750 53,82,500 0 0 11,51,000 53,86,500 16,87,000 59,22,500

59 0 0 0 5,40,000 6,60,000 0 0 10,250 11,68,000 0 19,750 57,71,500 0 0 11,72,000 57,76,000 17,08,000 63,11,500
60 0 0 0 5,40,000 6,60,000 0 0 10,250 11,88,500 0 19,750 61,90,500 0 0 11,93,500 61,95,000 17,28,500 67,30,500

61 0 0 0 5,40,000 6,60,000 0 0 10,250 12,09,500 0 19,750 66,41,000 0 0 12,14,500 66,46,000 17,49,500 71,81,000

62 0 0 0 5,40,000 6,60,000 0 0 10,250 12,30,000 0 19,750 71,26,500 0 0 12,35,500 71,31,500 17,70,000 76,66,500

63 0 0 0 5,40,000 6,60,000 0 0 10,250 12,50,500 0 19,750 76,49,000 0 0 12,56,000 76,54,500 17,90,500 81,89,000

64 0 0 0 5,40,000 6,60,000 0 0 10,250 12,71,000 0 19,750 82,11,500 0 0 12,77,000 82,17,000 18,11,000 87,51,500

65 0 0 0 5,40,000 6,60,000 0 0 10,250 12,91,000 0 19,750 88,17,000 0 0 12,97,000 88,23,000 18,31,000 93,57,000
66 0 0 0 5,40,000 6,60,000 0 0 10,250 13,10,500 0 19,750 94,68,500 0 0 13,17,000 94,75,500 18,50,500 1,00,08,500

67 0 0 0 5,40,000 6,60,000 0 0 10,250 13,29,500 0 19,750 1,01,70,500 0 0 13,36,500 1,01,77,500 18,69,500 1,07,10,500

68 0 0 0 5,40,000 6,60,000 0 0 10,250 13,48,000 0 19,750 1,09,26,000 0 0 13,55,500 1,09,33,500 18,88,000 1,14,66,000

69 0 0 0 5,40,000 6,60,000 0 0 10,250 13,65,500 0 19,750 1,17,39,000 0 0 13,73,500 1,17,47,000 19,05,500 1,22,79,000

70 0 0 0 5,40,000 6,60,000 0 0 10,250 13,82,500 0 19,750 1,26,15,000 0 0 13,91,000 1,26,23,500 19,22,500 1,31,55,000
71 0 0 0 5,40,000 6,60,000 0 0 10,250 13,98,000 0 19,750 1,35,57,500 0 0 14,07,500 1,35,67,000 19,38,000 1,40,97,500

72 0 0 0 5,40,000 6,60,000 0 0 10,250 14,13,000 0 19,750 1,45,73,000 0 0 14,22,500 1,45,82,500 19,53,000 1,51,13,000

73 0 0 0 5,40,000 6,60,000 0 0 10,250 14,26,500 0 19,750 1,56,66,000 0 0 14,36,500 1,56,76,500 19,66,500 1,62,06,000

74 0 0 0 5,40,000 6,60,000 0 0 10,250 14,38,500 0 19,750 1,68,43,000 0 0 14,49,500 1,68,54,000 19,78,500 1,73,83,000

75 0 0 0 5,40,000 6,60,000 0 0 10,250 14,48,500 0 19,750 1,81,10,000 0 0 14,60,500 1,81,21,500 19,88,500 1,86,50,000

76 0 0 0 5,40,000 6,60,000 0 0 10,250 14,57,500 0 19,750 1,94,74,500 0 0 14,70,000 1,94,87,000 19,97,500 2,00,14,500
77 0 0 0 0 6,60,000 6,00,000 0 10,250 0 0 19,750 0 14,46,000 1,98,98,000 15,55,000 2,20,60,000 0 0

Notes:
1. Annualized Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any, and Goods & Service Tax. Refer Sales
Literature for explanation of terms used in this illustration.
2. The survival benefits are payable at the end of the policy year. Upon payment at Maturity(Last Payout), the policy terminates and no further benefits become payable.
3. The death benefits shown above are at the end of the year. Upon payment, of death benefit the policy terminates and no further benefit is payable.
4. The surrender benefits shown above are at the end of the year. Upon payment of surrender benefit, the policy terminates and no further benefit becomes payable.
5. The Premium and the Sum Assured on Maturity stated above is based on the information provided. They may vary as a result of underwriting.
6. Any statutory levy or charges (such as Goods and Service tax) including any indirect tax may be charged to the Policyholder either now or in future by the company and such
amount so charged shall become due and payable and shall be subject to the same terms and conditions as applicable to payment of premium.
7. RB - Reversionary Bonus, TB - Terminal Bonus, GA - Guaranteed Additions
#In case cash bonuses have been paid out, the same shall be deducted from the Surrender Values indicated, at the time of pay out.

I VAMSI KRISHNA BAYYARAPU, have explained the premiums charges and benefits I PRAVALIKA ,having received the information with respect to the above, have
under the product fully to the prospect / policy holder. understood the above statement before entering into the contract.

Place:

Date: Signature of Agent /Intermediary / Official Date: Signature of Prospect / Policyholder

Note: Kindly note that name of the company has changed from "HDFC Standard Life Insurance Company Limited" to "HDFC Life Insurance Company Limited".

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