27-05-2024

Quote No : c7ov9tjgmcc

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: SHUBHAM KUMAR SETHI Name of the Product: HDFC Life Sanchay Par Advantage
Age: 38 A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Name of the Life Assured: a
Unique Identification No: 101N136V03
Age: 0
GST Rate: 4.5%* for first year
Policy Term 100 year(s)
2.25%* second year onwards
Premium Payment Term: 12 year(s)
Amount of Installment Premium(Without GST): 60000
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 Deferred Income Sum Assured on Maturity Rs. 7,20,000
Sum Assured on Death (at inception of
Bonus Type Cash Bonus 60,000
the policy) Rs.

Rider Details
Rider Name Rider UIN Rider PPT Rider PT Rider Sum Assured Rs.

Waiver Of Premium 101B032V01 12 Years 12 Years -

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 60000 0 0 0 0 0 2436 62436

Instalment Premium with First

62700 0 0 0 0 0 2874 65574
Year GST

Instalment Premium with GST 2nd

61350 0 0 0 0 0 2874 64224
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 60,000 0 0 0 60,000 0 0 0 0 0 0 0 0 0 60,000 60,000 0 0

2 60,000 0 0 36,000 9,00,000 0 0 0 6,000 0 0 6,000 0 0 9,00,000 9,00,000 42,000 42,000

3 60,000 0 0 63,000 9,00,000 0 0 0 9,000 0 0 9,000 0 0 9,00,000 9,00,000 72,000 72,000

4 60,000 0 0 1,20,000 9,00,000 0 0 0 12,000 0 0 12,000 0 0 9,00,000 9,00,000 1,32,000 1,32,000

5 60,000 0 0 1,50,000 9,00,000 0 0 0 15,000 0 0 15,000 0 0 9,00,000 9,00,000 1,65,000 1,65,000

6 60,000 0 0 1,80,000 9,00,000 0 0 0 18,000 0 0 28,800 0 0 9,00,000 9,00,000 1,98,000 2,08,800

7 60,000 0 0 2,10,000 9,00,000 0 0 0 39,000 0 0 77,400 0 0 9,00,000 9,00,000 2,49,000 2,87,400

8 60,000 0 0 2,78,400 9,00,000 0 0 0 45,600 0 0 1,03,800 0 0 9,00,000 9,00,000 3,24,000 3,82,200

9 60,000 0 0 3,51,000 9,00,000 0 0 0 59,400 0 0 1,44,000 0 0 9,00,000 9,00,000 4,10,400 4,95,000

10 60,000 0 0 4,38,000 9,00,000 0 0 0 70,200 0 0 1,89,000 0 0 9,00,000 9,00,000 5,08,200 6,27,000

11 60,000 0 0 5,28,000 9,00,000 0 0 0 91,200 0 0 2,52,000 0 0 9,00,000 9,00,000 6,19,200 7,80,000

12 60,000 0 0 6,48,000 9,00,000 0 0 0 94,800 0 0 3,09,600 0 0 9,00,000 9,58,200 7,42,800 9,57,600

13 0 0 0 6,48,000 9,00,000 0 0 0 1,22,400 0 0 3,84,000 0 0 9,00,000 10,32,600 7,70,400 10,32,000

14 0 0 30,480 6,48,000 9,00,000 0 0 2,400 1,54,800 0 45,720 4,71,600 0 0 9,00,000 10,44,000 8,02,800 11,19,600
15 0 0 30,480 6,48,000 9,00,000 0 0 2,400 1,86,600 0 45,720 5,55,600 0 0 9,00,000 10,51,200 8,34,600 12,03,600

16 0 0 30,480 6,48,000 9,00,000 0 0 2,400 2,61,000 0 45,720 6,98,400 0 0 9,00,000 11,18,400 9,09,000 13,46,400

17 0 0 30,480 6,48,000 9,00,000 0 0 2,400 2,92,200 0 45,720 7,84,200 0 0 9,00,000 11,27,400 9,40,200 14,32,200

18 0 0 30,480 6,48,000 9,00,000 0 0 2,400 3,24,000 0 45,720 8,70,000 0 0 9,00,000 11,37,600 9,72,000 15,18,000

19 0 0 30,480 6,48,000 9,00,000 0 0 2,400 3,55,200 0 45,720 9,56,400 0 0 9,00,000 11,47,800 10,03,200 16,04,400
20 0 0 30,480 6,48,000 9,00,000 0 0 2,400 3,86,400 0 45,720 10,44,000 0 0 9,00,000 11,59,200 10,34,400 16,92,000

21 0 0 30,480 6,48,000 9,00,000 0 0 2,400 4,17,600 0 45,720 11,32,200 0 0 9,00,000 11,71,200 10,65,600 17,80,200

22 0 0 30,480 6,48,000 9,00,000 0 0 2,400 4,48,200 0 45,720 11,83,200 0 0 9,00,000 11,83,800 10,96,200 18,31,200

23 0 0 30,480 6,48,000 9,00,000 0 0 2,400 4,78,800 0 45,720 11,97,000 0 0 9,00,000 11,97,600 11,26,800 18,45,000

24 0 0 30,480 6,48,000 9,00,000 0 0 2,400 5,09,400 0 45,720 12,12,000 0 0 9,00,000 12,12,600 11,57,400 18,60,000

25 0 0 30,480 6,48,000 9,00,000 0 0 2,400 5,39,400 0 45,720 12,27,600 0 0 9,00,000 12,28,200 11,87,400 18,75,600
26 0 0 30,480 6,48,000 9,00,000 0 0 2,400 5,70,000 0 45,720 12,44,400 0 0 9,00,000 12,45,000 12,18,000 18,92,400

27 0 0 30,480 6,48,000 9,00,000 0 0 2,400 5,99,400 0 45,720 12,63,000 0 0 9,00,000 12,63,600 12,47,400 19,11,000

28 0 0 30,480 6,48,000 9,00,000 0 0 2,400 6,29,400 0 45,720 12,82,200 0 0 9,00,000 12,82,800 12,77,400 19,30,200

29 0 0 30,480 6,48,000 9,00,000 0 0 2,400 6,58,200 0 45,720 13,03,200 0 0 9,00,000 13,03,800 13,06,200 19,51,200

30 0 0 30,480 6,48,000 9,00,000 0 0 2,400 6,87,600 0 45,720 13,25,400 0 0 9,00,000 13,26,000 13,35,600 19,73,400
31 0 0 30,480 6,48,000 9,00,000 0 0 2,400 7,16,400 0 45,720 13,48,800 0 0 9,00,000 13,50,000 13,64,400 19,96,800

32 0 0 30,480 6,48,000 9,00,000 0 0 2,400 7,44,600 0 45,720 13,74,600 0 0 9,00,000 13,75,800 13,92,600 20,22,600

33 0 0 30,480 6,48,000 9,00,000 0 0 2,400 7,63,200 0 45,720 14,02,200 0 0 9,00,000 14,02,800 14,11,200 20,50,200

34 0 0 30,480 6,48,000 9,00,000 0 0 2,400 7,57,800 0 45,720 14,31,600 0 0 9,00,000 14,32,200 14,05,800 20,79,600

35 0 0 30,480 6,48,000 9,00,000 0 0 2,400 7,52,400 0 45,720 14,62,800 0 0 9,00,000 14,64,000 14,00,400 21,10,800

36 0 0 30,480 6,48,000 9,00,000 0 0 2,400 7,45,800 0 45,720 14,96,400 0 0 9,00,000 14,97,600 13,93,800 21,44,400
37 0 0 30,480 6,48,000 9,00,000 0 0 2,400 7,39,200 0 45,720 15,32,400 0 0 9,00,000 15,34,200 13,87,200 21,80,400

38 0 0 30,480 6,48,000 9,00,000 0 0 2,400 7,32,600 0 45,720 15,71,400 0 0 9,00,000 15,72,600 13,80,600 22,19,400

39 0 0 0 6,48,000 9,00,000 0 0 4,200 7,51,800 0 76,200 16,12,800 0 0 9,00,000 16,14,600 13,99,800 22,60,800

40 0 0 0 6,48,000 9,00,000 0 0 4,200 7,72,200 0 76,200 16,53,600 0 0 9,00,000 16,55,400 14,20,200 23,01,600

41 0 0 0 6,48,000 9,00,000 0 0 4,200 7,92,600 0 76,200 16,98,000 0 0 9,00,000 16,99,200 14,40,600 23,46,000
42 0 0 0 6,48,000 9,00,000 0 0 4,200 8,13,000 0 76,200 17,44,800 0 0 9,00,000 17,46,600 14,61,000 23,92,800

43 0 0 0 6,48,000 9,00,000 0 0 4,200 8,34,600 0 76,200 17,95,200 0 0 9,00,000 17,97,000 14,82,600 24,43,200

44 0 0 0 6,48,000 9,00,000 0 0 4,200 8,56,800 0 76,200 18,49,200 0 0 9,00,000 18,51,600 15,04,800 24,97,200

45 0 0 0 6,48,000 9,00,000 0 0 4,200 8,79,000 0 76,200 19,07,400 0 0 9,00,000 19,09,200 15,27,000 25,55,400

46 0 0 0 6,48,000 9,00,000 0 0 4,200 9,01,800 0 76,200 19,69,200 0 0 9,04,200 19,71,600 15,49,800 26,17,200

47 0 0 0 6,48,000 9,00,000 0 0 4,200 9,25,200 0 76,200 20,35,800 0 0 9,27,600 20,38,200 15,73,200 26,83,800
48 0 0 0 6,48,000 9,00,000 0 0 4,200 9,48,600 0 76,200 21,07,200 0 0 9,51,600 21,09,600 15,96,600 27,55,200

49 0 0 0 6,48,000 9,00,000 0 0 4,200 9,73,200 0 76,200 21,83,400 0 0 9,75,600 21,85,800 16,21,200 28,31,400

50 0 0 0 6,48,000 9,00,000 0 0 4,200 9,97,800 0 76,200 22,65,000 0 0 10,00,200 22,68,000 16,45,800 29,13,000

51 0 0 0 6,48,000 9,00,000 0 0 4,200 10,22,400 0 76,200 23,52,600 0 0 10,25,400 23,55,600 16,70,400 30,00,600

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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 6,48,000 9,00,000 0 0 4,200 10,47,600 0 76,200 24,46,800 0 0 10,51,200 24,49,800 16,95,600 30,94,800

53 0 0 0 6,48,000 9,00,000 0 0 4,200 10,73,400 0 76,200 25,47,600 0 0 10,77,000 25,50,600 17,21,400 31,95,600

54 0 0 0 6,48,000 9,00,000 0 0 4,200 10,99,800 0 76,200 26,55,000 0 0 11,03,400 26,59,200 17,47,800 33,03,000
55 0 0 0 6,48,000 9,00,000 0 0 4,200 11,25,600 0 76,200 27,70,800 0 0 11,29,800 27,75,000 17,73,600 34,18,800

56 0 0 0 6,48,000 9,00,000 0 0 4,200 11,52,600 0 76,200 28,95,000 0 0 11,56,800 28,99,200 18,00,600 35,43,000

57 0 0 0 6,48,000 9,00,000 0 0 4,200 11,79,000 0 76,200 30,28,200 0 0 11,83,800 30,32,400 18,27,000 36,76,200

58 0 0 0 6,48,000 9,00,000 0 0 4,200 12,06,000 0 76,200 31,70,400 0 0 12,10,800 31,75,200 18,54,000 38,18,400

59 0 0 0 6,48,000 9,00,000 0 0 4,200 12,33,000 0 76,200 33,23,400 0 0 12,38,400 33,28,200 18,81,000 39,71,400
60 0 0 0 6,48,000 9,00,000 0 0 4,200 12,60,600 0 76,200 34,87,200 0 0 12,66,000 34,92,600 19,08,600 41,35,200

61 0 0 0 6,48,000 9,00,000 0 0 4,200 12,87,600 0 76,200 36,62,400 0 0 12,93,600 36,68,400 19,35,600 43,10,400

62 0 0 0 6,48,000 9,00,000 0 0 4,200 13,14,600 0 76,200 38,50,800 0 0 13,20,600 38,57,400 19,62,600 44,98,800

63 0 0 0 6,48,000 9,00,000 0 0 4,200 13,41,600 0 76,200 40,53,000 0 0 13,48,200 40,59,600 19,89,600 47,01,000

64 0 0 0 6,48,000 9,00,000 0 0 4,200 13,68,600 0 76,200 42,69,000 0 0 13,75,200 42,76,200 20,16,600 49,17,000

65 0 0 0 6,48,000 9,00,000 0 0 4,200 13,95,000 0 76,200 45,01,200 0 0 14,02,200 45,09,000 20,43,000 51,49,200
66 0 0 0 6,48,000 9,00,000 0 0 4,200 14,20,800 0 76,200 47,50,200 0 0 14,28,600 47,58,600 20,68,800 53,98,200

67 0 0 0 6,48,000 9,00,000 0 0 4,200 14,46,600 0 76,200 50,17,200 0 0 14,55,000 50,25,600 20,94,600 56,65,200

68 0 0 0 6,48,000 9,00,000 0 0 4,200 14,71,200 0 76,200 53,03,400 0 0 14,80,200 53,12,400 21,19,200 59,51,400

69 0 0 0 6,48,000 9,00,000 0 0 4,200 14,95,200 0 76,200 56,10,600 0 0 15,04,800 56,20,200 21,43,200 62,58,600

70 0 0 0 6,48,000 9,00,000 0 0 4,200 15,18,600 0 76,200 59,40,000 0 0 15,28,800 59,50,200 21,66,600 65,88,000
71 0 0 0 6,48,000 9,00,000 0 0 4,200 15,40,800 0 76,200 62,93,400 0 0 15,51,600 63,04,200 21,88,800 69,41,400

72 0 0 0 6,48,000 9,00,000 0 0 4,200 15,61,800 0 76,200 66,72,000 0 0 15,73,200 66,83,400 22,09,800 73,20,000

73 0 0 0 6,48,000 9,00,000 0 0 4,200 15,81,600 0 76,200 70,78,200 0 0 15,93,600 70,90,800 22,29,600 77,26,200

74 0 0 0 6,48,000 9,00,000 0 0 4,200 15,99,600 0 76,200 75,14,400 0 0 16,12,800 75,27,600 22,47,600 81,62,400

75 0 0 0 6,48,000 9,00,000 0 0 4,200 16,15,200 0 76,200 79,81,800 0 0 16,29,600 79,96,200 22,63,200 86,29,800

76 0 0 0 6,48,000 9,00,000 0 0 4,200 16,29,600 0 76,200 84,83,400 0 0 16,44,600 84,98,400 22,77,600 91,31,400
77 0 0 0 6,48,000 9,00,000 0 0 4,200 16,41,600 0 76,200 90,21,600 0 0 16,57,200 90,37,800 22,89,600 96,69,600

78 0 0 0 6,48,000 9,00,000 0 0 4,200 16,50,600 0 76,200 95,99,400 0 0 16,67,400 96,16,200 22,98,600 1,02,47,400

79 0 0 0 6,48,000 9,00,000 0 0 4,200 16,57,200 0 76,200 1,02,18,600 0 0 16,75,200 1,02,36,600 23,05,200 1,08,66,600

80 0 0 0 6,48,000 9,00,000 0 0 4,200 16,60,200 0 76,200 1,08,83,400 0 0 16,79,400 1,09,02,600 23,08,200 1,15,31,400

81 0 0 0 6,48,000 9,00,000 0 0 4,200 16,59,600 0 76,200 1,15,96,800 0 0 16,80,600 1,16,17,200 23,07,600 1,22,44,800
82 0 0 0 6,48,000 9,00,000 0 0 4,200 16,55,400 0 76,200 1,23,61,800 0 0 16,77,600 1,23,84,000 23,03,400 1,30,09,800

83 0 0 0 6,48,000 9,00,000 0 0 4,200 16,47,000 0 76,200 1,31,83,200 0 0 16,70,400 1,32,06,600 22,95,000 1,38,31,200

84 0 0 0 6,48,000 9,00,000 0 0 4,200 16,33,800 0 76,200 1,40,64,600 0 0 16,58,400 1,40,89,200 22,81,800 1,47,12,600
85 0 0 0 6,48,000 9,00,000 0 0 4,200 16,15,200 0 76,200 1,50,10,200 0 0 16,41,600 1,50,36,600 22,63,200 1,56,58,200
86 0 0 0 6,48,000 9,00,000 0 0 4,200 15,90,600 0 76,200 1,60,24,800 0 0 16,18,800 1,60,53,000 22,38,600 1,66,72,800

87 0 0 0 6,48,000 9,00,000 0 0 4,200 15,60,000 0 76,200 1,71,14,400 0 0 15,90,000 1,71,44,400 22,08,000 1,77,62,400
88 0 0 0 6,48,000 9,00,000 0 0 4,200 15,22,800 0 76,200 1,82,83,200 0 0 15,54,600 1,83,15,600 21,70,800 1,89,31,200

89 0 0 0 6,48,000 9,00,000 0 0 4,200 14,77,800 0 76,200 1,95,38,400 0 0 15,12,000 1,95,72,000 21,25,800 2,01,86,400
90 0 0 0 6,48,000 9,00,000 0 0 4,200 14,24,400 0 76,200 2,08,84,800 0 0 14,61,000 2,09,21,400 20,72,400 2,15,32,800
91 0 0 0 6,48,000 9,00,000 0 0 4,200 13,62,600 0 76,200 2,23,30,800 0 0 14,01,000 2,23,69,200 20,10,600 2,29,78,800

92 0 0 0 6,48,000 9,00,000 0 0 4,200 12,90,600 0 76,200 2,38,82,400 0 0 13,32,000 2,39,23,800 19,38,600 2,45,30,400
93 0 0 0 6,48,000 9,00,000 0 0 4,200 12,08,400 0 76,200 2,55,48,600 0 0 12,52,200 2,55,92,400 18,56,400 2,61,96,600

94 0 0 0 6,48,000 9,00,000 0 0 4,200 11,14,800 0 76,200 2,73,36,600 0 0 11,61,000 2,73,83,400 17,62,800 2,79,84,600
95 0 0 0 6,48,000 9,00,000 0 0 4,200 10,08,600 0 76,200 2,92,56,600 0 0 10,57,800 2,93,06,400 16,56,600 2,99,04,600
96 0 0 0 6,48,000 9,00,000 0 0 4,200 8,88,600 0 76,200 3,13,17,600 0 0 9,41,400 3,13,70,400 15,36,600 3,19,65,600

97 0 0 0 6,48,000 9,00,000 0 0 4,200 7,53,000 0 76,200 3,35,30,400 0 0 9,00,000 3,35,86,800 14,01,000 3,41,78,400
98 0 0 0 6,48,000 9,00,000 0 0 4,200 5,77,800 0 76,200 3,59,06,400 0 0 9,00,000 3,59,66,400 12,25,800 3,65,54,400

99 0 0 0 6,48,000 9,00,000 0 0 4,200 3,36,000 0 76,200 3,84,57,600 0 0 9,00,000 3,85,21,800 9,84,000 3,91,05,600
100 0 0 0 0 9,00,000 7,20,000 0 4,200 0 0 76,200 0 7,20,000 3,90,92,400 9,00,000 4,34,37,000 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.

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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 (alongwith Guaranteed survival benefit) shall be deducted from the Surrender Values indicated, at the time of pay
out.

I , have explained the premiums charges and benefits under the product fully to the I SHUBHAM KUMAR SETHI,having received the information with respect to the above,
prospect / policy holder. have 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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