15-01-2025

Quote No : qcjoz1diwxlgb

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 policy

Name of the Prospect /Policy holder: A Proposal No:

Age: 20 Name of the Product: HDFC Life Sanchay Par Advantage
Name of the Life Assured: A A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Age: 20
Unique Identification No: 101N136V04
Policy Term 80 year(s)
GST Rate: 4.5%* for first year
Premium Payment Term: 12 year(s)
2.25%* second year onwards
Amount of Installment Premium: 100000
Mode of Payment of Premium: Annual
Mode of Payment of Survival Benefit: Annual
Timing of Payment of Survival Benefit: Arrear

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. 12,00,000
Sum Assured on Death (at inception of the
Bonus Type Cash Bonus 13,50,000
policy) Rs.

Premium Summary
Total
Base CI IB
PP Rider (PAC) PP Rider (ADC) HPR Rider (CCI) HPR Rider (CC) WOP Rider Installment
Plan Rider Rider
Premium
Instalment
Premium without 100000 0 0 0 0 0 0 0 100000
GST
Instalment
Premium with 104500 0 0 0 0 0 0 0 104500
First Year GST
Instalment
Premium with
102250 0 0 0 0 0 0 0 102250
GST 2nd Year
Onwards

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 (Amounts in Rupees.)
Total Benefits
Guaranteed Benefits Non Guaranteed Benefits @ 4% p.a. Non-Guaranteed Benefits @ 8% p.a. including Guaranteed and Non-Guaranteed
Benefits
Guaranteed Guaranteed Total
Single / Total Total
Policy Surrender Surrender Total Death
Annualized Surrender Surrender Maturity Death
Year Value Value Maturity Benefit
Premium Special Value Special Value Benefit, Benefit
Survival Surrender Death Maturity Cash (Net of Cash (Net of Benefit, incl of
GA RB Surrender Payable RB Surrender Payable incl TB, incl of TB,
Benefit Benefit Benefit Benefit Bonus Cash Bonus Cash incl TB, if TB, if
Value# (Higher of Value# (Higher of if any, @ if any, @
Bonus Bonus any, @ 8% any, @
10 & 11) 15 & 16) 4% 8%
already already (7+TB) 4%
(7+TB) (6+TB)
paid) paid) (6+TB)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21

1 1,00,000 0 0 0 13,50,000 0 0 21,500 0 2,386 2,386 0 40,500 0 2,386 2,386 0 0 13,50,000 13,50,000
2 1,00,000 0 0 60,000 13,50,000 0 0 21,500 17,000 25,018 25,018 0 40,500 0 13,018 13,018 0 0 13,50,000 13,50,000
3 1,00,000 0 0 1,05,000 13,50,000 0 0 21,500 40,500 57,924 57,924 0 40,500 0 37,924 37,924 0 0 13,50,000 13,50,000

4 1,00,000 0 0 2,00,000 13,50,000 0 0 21,500 1,14,000 98,138 1,14,000 0 40,500 38,000 70,138 70,138 0 0 13,50,000 13,50,000
5 1,00,000 0 0 2,50,000 13,50,000 0 0 21,500 1,42,500 1,47,694 1,47,694 0 40,500 47,500 1,10,694 1,10,694 0 0 13,50,000 13,50,000
6 1,00,000 0 0 3,00,000 13,50,000 0 0 21,500 1,71,000 2,07,633 2,07,633 0 40,500 57,000 1,60,633 1,60,633 0 0 13,50,000 13,50,000

7 1,00,000 0 0 3,50,000 13,50,000 0 0 21,500 1,99,500 2,75,996 2,75,996 0 40,500 66,500 2,20,996 2,20,996 0 0 13,50,000 13,50,000
8 1,00,000 0 0 4,64,000 13,50,000 0 0 21,500 2,92,000 3,55,829 3,55,829 0 40,500 1,40,000 2,92,829 2,92,829 0 0 13,50,000 13,50,000
9 1,00,000 0 0 5,85,000 13,50,000 0 0 21,500 3,91,500 4,46,180 4,46,180 0 40,500 2,20,500 3,77,180 3,77,180 0 0 13,50,000 13,50,000
10 1,00,000 0 0 7,30,000 13,50,000 0 0 21,500 5,15,000 5,49,101 5,49,101 0 40,500 3,25,000 4,76,101 4,76,101 0 0 13,50,000 13,50,000

11 1,00,000 0 0 8,80,000 13,50,000 0 0 21,500 6,43,500 6,63,646 6,63,646 0 40,500 4,34,500 5,90,646 5,90,646 0 0 13,50,000 13,50,000

12 1,00,000 0 0 10,80,000 13,50,000 0 0 21,500 8,22,000 7,90,873 8,22,000 0 40,500 5,94,000 7,21,873 7,21,873 0 0 13,50,000 13,50,000
13 0 0 0 10,80,000 13,50,000 0 0 21,500 8,00,500 8,49,161 8,49,161 0 40,500 5,53,500 7,86,161 7,86,161 0 0 13,50,000 13,50,000

14 0 0 0 10,80,000 13,50,000 0 0 21,500 7,79,000 8,61,673 8,61,673 0 40,500 5,13,000 8,10,673 8,10,673 0 0 13,50,000 13,50,000

15 0 0 0 10,80,000 13,50,000 0 0 21,500 7,57,500 8,75,418 8,75,418 0 40,500 4,72,500 8,36,418 8,36,418 0 0 13,50,000 13,50,000
16 0 0 0 10,80,000 13,50,000 0 0 21,500 7,36,000 8,88,408 8,88,408 0 40,500 4,32,000 8,64,408 8,64,408 0 0 13,50,000 13,50,000

17 0 0 0 10,80,000 13,50,000 0 0 21,500 7,14,500 9,02,654 9,02,654 0 40,500 3,91,500 8,94,654 8,94,654 0 0 13,50,000 13,50,000

18 0 0 0 10,80,000 13,50,000 0 0 21,500 6,93,000 9,17,170 9,17,170 0 40,500 3,51,000 9,27,170 9,27,170 0 0 13,50,000 13,50,000
19 0 0 0 10,80,000 13,50,000 0 0 21,500 6,71,500 9,32,967 9,32,967 0 40,500 3,10,500 9,61,967 9,61,967 0 0 13,50,000 13,50,000

20 0 0 0 10,80,000 13,50,000 0 0 21,500 6,50,000 9,48,059 9,48,059 0 40,500 2,70,000 9,99,059 9,99,059 0 0 13,50,000 13,50,000

21 0 0 0 10,80,000 13,50,000 0 0 21,500 6,28,500 9,64,460 9,64,460 0 40,500 2,29,500 10,39,460 10,39,460 0 0 13,50,000 13,50,000
22 0 0 0 10,80,000 13,50,000 0 0 21,500 6,07,000 9,81,183 9,81,183 0 40,500 1,89,000 10,83,183 10,83,183 0 0 13,50,000 13,50,000

23 0 0 0 10,80,000 13,50,000 0 0 21,500 5,85,500 9,99,242 9,99,242 0 40,500 1,48,500 11,30,242 11,30,242 0 0 13,50,000 13,50,000

24 0 0 0 10,80,000 13,50,000 0 0 21,500 5,64,000 10,16,647 10,16,647 0 40,500 1,08,000 11,81,647 11,81,647 0 0 13,50,000 13,50,000
25 0 0 0 10,80,000 13,50,000 0 0 21,500 5,42,500 10,35,409 10,35,409 0 40,500 67,500 12,36,409 12,36,409 0 0 13,50,000 13,50,000

26 0 0 0 10,80,000 13,50,000 0 0 21,500 5,21,000 10,55,533 10,55,533 0 40,500 27,000 12,94,533 12,94,533 0 0 13,50,000 13,50,000

27 0 0 0 10,80,000 13,50,000 0 0 21,500 4,99,500 10,75,022 10,75,022 0 40,500 0 13,58,022 13,58,022 0 0 13,50,000 13,58,022
28 0 0 0 10,80,000 13,50,000 0 0 21,500 4,78,000 10,95,875 10,95,875 0 40,500 0 14,25,875 14,25,875 0 0 13,50,000 14,25,875

29 0 0 0 10,80,000 13,50,000 0 0 21,500 4,56,500 11,17,086 11,17,086 0 40,500 0 14,99,086 14,99,086 0 0 13,50,000 14,99,086

30 0 0 0 10,80,000 13,50,000 0 0 21,500 4,35,000 11,39,648 11,39,648 0 40,500 0 15,78,648 15,78,648 0 0 13,50,000 15,78,648
31 0 0 0 10,80,000 13,50,000 0 0 21,500 4,13,500 11,62,555 11,62,555 0 40,500 0 16,63,555 16,63,555 0 0 13,50,000 16,63,555

32 0 0 0 10,80,000 13,50,000 0 0 21,500 3,92,000 11,86,801 11,86,801 0 40,500 0 17,54,801 17,54,801 0 0 13,50,000 17,54,801

33 0 0 0 10,80,000 13,50,000 0 0 21,500 3,70,500 12,11,386 12,11,386 0 40,500 0 18,53,386 18,53,386 0 0 13,50,000 18,53,386
34 0 0 0 10,80,000 13,50,000 0 0 21,500 3,49,000 12,36,314 12,36,314 0 40,500 0 19,60,314 19,60,314 0 0 13,50,000 19,60,314

35 0 0 0 10,80,000 13,50,000 0 0 21,500 3,27,500 12,62,597 12,62,597 0 40,500 0 20,74,597 20,74,597 0 0 13,50,000 20,74,597

36 0 0 0 10,80,000 13,50,000 0 0 21,500 3,06,000 12,90,256 12,90,256 0 40,500 0 21,97,256 21,97,256 0 0 13,50,000 21,97,256
37 0 0 0 10,80,000 13,50,000 0 0 21,500 2,84,500 13,18,319 13,18,319 0 40,500 0 23,30,319 23,30,319 0 0 13,50,000 23,30,319

38 0 0 0 10,80,000 13,50,000 0 0 21,500 2,63,000 13,46,819 13,46,819 0 40,500 0 24,72,819 24,72,819 0 0 13,50,000 24,72,819

39 0 0 0 10,80,000 13,50,000 0 0 21,500 2,41,500 13,76,796 13,76,796 0 40,500 0 26,26,796 26,26,796 0 0 13,76,796 26,26,796
40 0 0 0 10,80,000 13,50,000 0 0 21,500 2,20,000 14,07,288 14,07,288 0 40,500 0 27,92,288 27,92,288 0 0 14,07,288 27,92,288

41 0 0 0 10,80,000 13,50,000 0 0 21,500 1,98,500 14,39,333 14,39,333 0 40,500 0 29,70,333 29,70,333 0 0 14,39,333 29,70,333

42 0 0 0 10,80,000 13,50,000 0 0 21,500 1,77,000 14,71,968 14,71,968 0 40,500 0 31,61,968 31,61,968 0 0 14,71,968 31,61,968
43 0 0 0 10,80,000 13,50,000 0 0 21,500 1,55,500 15,05,219 15,05,219 0 40,500 0 33,69,219 33,69,219 0 0 15,05,219 33,69,219

44 0 0 0 10,80,000 13,50,000 0 0 21,500 1,34,000 15,40,111 15,40,111 0 40,500 0 35,92,111 35,92,111 0 0 15,40,111 35,92,111

45 0 0 0 10,80,000 13,50,000 0 0 21,500 1,12,500 15,76,658 15,76,658 0 40,500 0 38,31,658 38,31,658 0 0 15,76,658 38,31,658
46 0 0 0 10,80,000 13,50,000 0 0 21,500 91,000 16,13,869 16,13,869 0 40,500 0 40,90,869 40,90,869 0 0 16,13,869 40,90,869

47 0 0 0 10,80,000 13,50,000 0 0 21,500 69,500 16,51,746 16,51,746 0 40,500 0 43,68,746 43,68,746 0 0 16,51,746 43,68,746

48 0 0 0 10,80,000 13,50,000 0 0 21,500 48,000 16,91,282 16,91,282 0 40,500 0 46,69,282 46,69,282 0 0 16,91,282 46,69,282
49 0 0 0 10,80,000 13,50,000 0 0 21,500 26,500 17,31,467 17,31,467 0 40,500 0 49,91,467 49,91,467 0 0 17,31,467 49,91,467

50 0 0 0 10,80,000 13,50,000 0 0 21,500 5,000 17,73,286 17,73,286 0 40,500 0 53,40,286 53,40,286 0 0 17,73,286 53,40,286

51 0 0 0 10,80,000 13,50,000 0 0 21,500 0 18,15,718 18,15,718 0 40,500 0 57,14,718 57,14,718 0 0 18,15,718 57,14,718
52 0 0 0 10,80,000 13,50,000 0 0 21,500 0 18,59,741 18,59,741 0 40,500 0 61,18,741 61,18,741 0 0 18,59,741 61,18,741

53 0 0 0 10,80,000 13,50,000 0 0 21,500 0 19,05,325 19,05,325 0 40,500 0 65,53,325 65,53,325 0 0 19,05,325 65,53,325

54 0 0 0 10,80,000 13,50,000 0 0 21,500 0 19,51,443 19,51,443 0 40,500 0 70,21,443 70,21,443 0 0 19,51,443 70,21,443
55 0 0 0 10,80,000 13,50,000 0 0 21,500 0 20,00,060 20,00,060 0 40,500 0 75,26,060 75,26,060 0 0 20,00,060 75,26,060

56 0 0 0 10,80,000 13,50,000 0 0 21,500 0 20,49,140 20,49,140 0 40,500 0 80,70,140 80,70,140 0 0 20,49,140 80,70,140

57 0 0 0 10,80,000 13,50,000 0 0 21,500 0 20,99,645 20,99,645 0 40,500 0 86,55,645 86,55,645 0 0 20,99,645 86,55,645
58 0 0 0 10,80,000 13,50,000 0 0 21,500 0 21,50,532 21,50,532 0 40,500 0 92,85,532 92,85,532 0 0 21,50,532 92,85,532

59 0 0 0 10,80,000 13,50,000 0 0 21,500 0 22,03,758 22,03,758 0 40,500 0 99,65,758 99,65,758 0 0 22,03,758 99,65,758

60 0 0 0 10,80,000 13,50,000 0 0 21,500 0 22,58,280 22,58,280 0 40,500 0 1,06,97,280 1,06,97,280 0 0 22,58,280 1,06,97,280
61 0 0 0 10,80,000 13,50,000 0 0 21,500 0 23,14,047 23,14,047 0 40,500 0 1,14,86,047 1,14,86,047 0 0 23,14,047 1,14,86,047

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 Total Benefits
Guaranteed Benefits Non Guaranteed Benefits @ 4% p.a. Non-Guaranteed Benefits @ 8% p.a. including Guaranteed and Non-Guaranteed
Benefits

Guaranteed Guaranteed Total

Single / Total Total
Policy Surrender Surrender Total Death
Annualized Surrender Surrender Maturity Death
Year Value Value Maturity Benefit
Premium Special Value Special Value Benefit, Benefit
Survival Surrender Death Maturity Cash (Net of Cash (Net of Benefit, incl of
GA RB Surrender Payable RB Surrender Payable incl TB, incl of TB,
Benefit Benefit Benefit Benefit Bonus Cash Bonus Cash incl TB, if TB, if
Value# (Higher of Value# (Higher of if any, @ if any, @
Bonus Bonus any, @ 8% any, @
10 & 11) 15 & 16) 4% 8%
already already (7+TB) 4%
(7+TB) (6+TB)
paid) paid) (6+TB)
62 0 0 0 10,80,000 13,50,000 0 0 21,500 0 23,70,011 23,70,011 0 40,500 0 1,23,36,011 1,23,36,011 0 0 23,70,011 1,23,36,011

63 0 0 0 10,80,000 13,50,000 0 0 21,500 0 24,28,127 24,28,127 0 40,500 0 1,32,51,127 1,32,51,127 0 0 24,28,127 1,32,51,127

64 0 0 0 10,80,000 13,50,000 0 0 21,500 0 24,88,346 24,88,346 0 40,500 0 1,42,37,346 1,42,37,346 0 0 24,88,346 1,42,37,346
65 0 0 0 10,80,000 13,50,000 0 0 21,500 0 25,48,622 25,48,622 0 40,500 0 1,52,99,622 1,52,99,622 0 0 25,48,622 1,52,99,622

66 0 0 0 10,80,000 13,50,000 0 0 21,500 0 26,09,919 26,09,919 0 40,500 0 1,64,43,919 1,64,43,919 0 0 26,09,919 1,64,43,919

67 0 0 0 10,80,000 13,50,000 0 0 21,500 0 26,73,207 26,73,207 0 40,500 0 1,76,77,207 1,76,77,207 0 0 26,73,207 1,76,77,207
68 0 0 0 10,80,000 13,50,000 0 0 21,500 0 27,37,466 27,37,466 0 40,500 0 1,90,05,466 1,90,05,466 0 0 27,37,466 1,90,05,466

69 0 0 0 10,80,000 13,50,000 0 0 21,500 0 28,02,697 28,02,697 0 40,500 0 2,04,37,697 2,04,37,697 0 0 28,02,697 2,04,37,697

70 0 0 0 10,80,000 13,50,000 0 0 21,500 0 28,69,925 28,69,925 0 40,500 0 2,19,79,925 2,19,79,925 0 0 28,69,925 2,19,79,925
71 0 0 0 10,80,000 13,50,000 0 0 21,500 0 29,37,208 29,37,208 0 40,500 0 2,36,42,208 2,36,42,208 0 0 29,37,208 2,36,42,208

72 0 0 0 10,80,000 13,50,000 0 0 21,500 0 30,05,665 30,05,665 0 40,500 0 2,54,32,665 2,54,32,665 0 0 30,05,665 2,54,32,665

73 0 0 0 10,80,000 13,50,000 0 0 21,500 0 30,75,482 30,75,482 0 40,500 0 2,73,62,482 2,73,62,482 0 0 30,75,482 2,73,62,482
74 0 0 0 10,80,000 13,50,000 0 0 21,500 0 31,45,960 31,45,960 0 40,500 0 2,94,41,960 2,94,41,960 0 0 31,45,960 2,94,41,960

75 0 0 0 10,80,000 13,50,000 0 0 21,500 0 32,17,569 32,17,569 0 40,500 0 3,16,83,569 3,16,83,569 0 0 32,17,569 3,16,83,569

76 0 0 0 10,80,000 13,50,000 0 0 21,500 0 32,91,032 32,91,032 0 40,500 0 3,40,99,032 3,40,99,032 0 0 32,91,032 3,40,99,032
77 0 0 0 10,80,000 13,50,000 0 0 21,500 0 33,64,463 33,64,463 0 40,500 0 3,67,01,463 3,67,01,463 0 0 33,64,463 3,67,01,463

78 0 0 0 10,80,000 13,50,000 0 0 21,500 0 34,38,627 34,38,627 0 40,500 0 3,95,06,627 3,95,06,627 0 0 34,38,627 3,95,06,627

79 0 0 0 10,80,000 13,50,000 0 0 21,500 0 35,14,312 35,14,312 0 40,500 0 4,25,30,312 4,25,30,312 0 0 35,14,312 4,25,30,312
80 0 0 0 0 13,50,000 12,00,000 0 21,500 0 0 0 0 40,500 0 0 0 39,77,000 5,08,58,000 39,77,000 5,08,58,000

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. When Timing of Payment of Survival Benefit is "Arrear", the survival benefits shown above are payable at the end of the Mode of Payment of Survival Benefit.

When Timing of Payment of Survival Benefit is chosen as "Advance", the survival benefit shown above are payable at the beginning of the Mode of Payment of Survival Benefit. First payout shall be made
within 7 working days from i) the realization of the first premium or ii) policy issuance, whichever is later. Subsequent payouts shall be made within 7 working days from i) realization of renewal premium or ii)
survival benefit payout date, whichever is later
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 maturity benefit shown above is payable at the end of the Policy Term. Upon payment of maturity benefit, the policy terminates and no further benefits become payable.
6. The Premium and the Sum Assured on Maturity stated above is based on the information provided. They may vary as a result of underwriting.
7. 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.
8. RB - Reversionary Bonus, TB - Terminal Bonus, GA - Guaranteed Additions
# Special Surrender Value is subject to change incase of change in G-Sec yields

I NATASHA SAMUEL MOKALE, have explained the premiums and benefits under the product fully I A ,having received the information with respect to the above, have understood the above
to the prospect / policy holder. statement before entering into the contract.

Place:

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

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