16-02-2025

Quote No : qclbtzknwscal

Benefit Illustration for HDFC Life Click 2 Retire

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC
Life Click 2 Retire
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. THE LINKED
INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE
POLICYHOLDER WILL NOT BE ABLE TO SURRENDER OR WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS
COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.

DETAILS Proposal No: |

Name of the Prospect/Policyholder: Sunanda Patra Name of Product: HDFC Life Click 2 Retire
Age: 48 Tag Line: A Unit Linked Pension plan
Name of Life Assured: Sunanda Patra Unique Identification No: 101L108V05
Age: 48 GST Rate: 18%*
Sum Assured: NA Investment Strategy opted 60% Equity oriented
for: 40% Debt oriented
Policy Term & Premium Payment Term: 25years & 1years
Amount of Instalment Premium: Rs.2000000
Mode of payment of Premium: Single
*0% if qualifies as zero-rated supply under GST law

Funds opted for along with their risk level:

Fund Risk Level Fund SFIN Fund Allocation (%)
Pension Equity Plus Fund Very High ULIF06001/04/14PenEqPlsFd101 60
Pension Income Fund Moderate ULIF06101/04/14PenIncFund101 40
Pension Conservative Fund Low ULIF06201/04/14PenConsvFd101 0

How to read and understand this benefit illustration?

This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of charges and taxes, may grow over the years of the policy
term if the fund earns a gross return of 8% p.a. or 4% p.a. These rates, i.e., 8% p.a. and 4% p.a.are assumed only for the purpose of illustrating the flow of benefits if the returns are
at this level. It should not be interpreted that the returns under the plan are going to be either 8% p.a. or 4% p.a.

Net Yield mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, morbidity charges, underwriting extra, if any,
guarantee charges and cost of riders, if deducted by cancellation of units. It demonstrates the impact of charges exclusive of taxes on the net yield. Please note that the mortality
charges per thousand sum assured in general, increases with age.

The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, morbidity, underwriting extra, cost of riders, etc. The investment risk in
this policy is borne by the policyholder, hence, for more details on terms and conditions please read sales literature carefully.

Part A of this statement presents a summary view of year-by-year charges deducted under the policy, fund value, surrender value and the death benefit, at two assumed rates of
return. Part B of this statement presents a detailed break-up of the charges, and other values.

PART A
At 4% Gross Investment Return At 8% Gross Investment Return
Annualized Mortality, Fund at Mortality, Fund at
Policy year Other Surrender Death Other Surrender Death
Premium Morbidity GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit
Charges Year Charges Year
(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14)

1 20,00,000 0 37,391 6,730 20,35,078 20,35,078 21,00,000 0 38,167 6,870 21,13,351 21,13,351 21,13,351
2 0 0 38,047 6,848 20,70,772 20,70,772 21,00,000 0 40,330 7,259 22,33,125 22,33,125 22,33,125

3 0 0 38,714 6,968 21,07,092 21,07,092 21,07,092 0 42,616 7,671 23,59,688 23,59,688 23,59,688

4 0 0 39,393 7,091 21,44,048 21,44,048 21,44,048 0 45,032 8,106 24,93,424 24,93,424 24,93,424
5 0 0 40,083 7,215 21,81,653 21,81,653 21,81,653 0 47,583 8,565 26,34,740 26,34,740 26,34,740

6 0 0 40,786 7,342 22,19,917 22,19,917 22,19,917 0 50,280 9,050 27,84,065 27,84,065 27,84,065

7 0 0 41,502 7,470 22,58,853 22,58,853 22,58,853 0 53,130 9,563 29,41,852 29,41,852 29,41,852
8 0 0 42,231 7,601 22,98,471 22,98,471 22,98,471 0 56,141 10,105 31,08,582 31,08,582 31,08,582

9 0 0 42,971 7,735 23,38,784 23,38,784 23,38,784 0 59,323 10,678 32,84,762 32,84,762 32,84,762

10 0 0 43,724 7,870 23,79,805 23,79,805 23,79,805 0 62,685 11,283 34,70,927 34,70,927 34,70,927
11 0 0 44,492 8,008 24,21,545 24,21,545 24,21,545 0 66,238 11,923 36,67,643 36,67,643 36,67,643

12 0 0 45,272 8,149 24,64,016 24,64,016 24,64,016 0 69,992 12,599 38,75,508 38,75,508 38,75,508
13 0 0 46,065 8,292 25,07,233 25,07,233 25,07,233 0 73,959 13,313 40,95,153 40,95,153 40,95,153

14 0 0 46,874 8,437 25,51,208 25,51,208 25,51,208 0 78,151 14,067 43,27,247 43,27,247 43,27,247

15 0 0 47,696 8,585 25,95,954 25,95,954 25,95,954 0 82,580 14,864 45,72,495 45,72,495 45,72,495
16 0 0 48,532 8,736 26,41,485 26,41,485 26,41,485 0 87,260 15,707 48,31,643 48,31,643 48,31,643

17 0 0 49,384 8,889 26,87,814 26,87,814 26,87,814 0 92,205 16,597 51,05,477 51,05,477 51,05,477

18 0 0 50,250 9,045 27,34,956 27,34,956 27,34,956 0 97,431 17,538 53,94,832 53,94,832 53,94,832
19 0 0 51,131 9,204 27,82,925 27,82,925 27,82,925 0 1,02,953 18,532 57,00,585 57,00,585 57,00,585

20 0 0 52,028 9,365 28,31,735 28,31,735 28,31,735 0 1,08,788 19,582 60,23,668 60,23,668 60,23,668

21 0 0 52,940 9,529 28,81,402 28,81,402 28,81,402 0 1,14,954 20,692 63,65,061 63,65,061 63,65,061
22 0 0 53,869 9,696 29,31,939 29,31,939 29,31,939 0 1,21,468 21,864 67,25,802 67,25,802 67,25,802

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 At 4% Gross Investment Return At 8% Gross Investment Return
Annualized Mortality, Fund at Mortality, Fund at
Policy year Other Surrender Death Other Surrender Death
Premium Morbidity GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit
Charges Year Charges Year

(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14)

23 0 0 54,814 9,866 29,83,363 29,83,363 29,83,363 0 1,28,353 23,103 71,06,989 71,06,989 71,06,989
24 0 0 55,775 10,040 30,35,689 30,35,689 30,35,689 0 1,35,627 24,413 75,09,780 75,09,780 75,09,780

25 0 0 56,754 10,216 30,88,932 30,88,932 30,88,932 0 1,43,313 25,797 79,35,399 79,35,399 79,35,399

*See Part B for details.

Annuity Option Selected (the option can be selected anytime before vesting) Life Option

Fund Value(FV) at vesting Annuity Payable p.a.

Minimum Assured Benefit if any
Accumulated @4% Accumulated @8% Based on FV accumulated at Based on FV accumulated at 8% Based on Minimum Assured Benefits,
p.a. Rs p.a. Rs Minimum return on the 4% p.a. Rs. p.a. Rs. if any Rs.
Rs.
premium paid: %

3088932 7935399 2500000 25% 282248 725476 228388

The values shown above are for illustration purpose only. The actual annuity depends on the prevailing annuity rates at the time of vesting. The amounts of annuity based on the
assumed investment returns of 8% p.a. and 4% p.a. are not upper or lower limits you might get back. For more details on risk factors, terms and conditions please read sales
brochure carefully.

IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATIVE PURPOSE.

PART B
Gross
8% p.a Net Yield 6.55% Amount in Rupees
Yield

Annualized
Premium Premium
Annualized Allocation -Premium Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge Allocation Charge GST FMC
Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge

(PAC) (AP)-(PAC)

1 20,00,000 - 20,00,000 0 6,870 0 10,315 0 0 21,17,199 27,852 21,13,351 21,13,351 21,13,351

2 0 - 0 0 7,259 0 10,900 0 0 22,37,192 29,430 22,33,125 22,33,125 22,33,125

3 0 - 0 0 7,671 0 11,518 0 0 23,63,986 31,098 23,59,688 23,59,688 23,59,688

4 0 - 0 0 8,106 0 12,171 0 0 24,97,965 32,861 24,93,424 24,93,424 24,93,424

5 0 - 0 0 8,565 0 12,860 0 0 26,39,538 34,723 26,34,740 26,34,740 26,34,740

6 0 - 0 0 9,050 0 13,589 0 0 27,89,135 36,691 27,84,065 27,84,065 27,84,065

7 0 - 0 0 9,563 0 14,359 0 0 29,47,210 38,771 29,41,852 29,41,852 29,41,852

8 0 - 0 0 10,105 0 15,173 0 0 31,14,244 40,968 31,08,582 31,08,582 31,08,582

9 0 - 0 0 10,678 0 16,033 0 0 32,90,744 43,290 32,84,762 32,84,762 32,84,762

10 0 - 0 0 11,283 0 16,942 0 0 34,77,248 45,743 34,70,927 34,70,927 34,70,927

11 0 - 0 0 11,923 0 17,902 0 0 36,74,322 48,336 36,67,643 36,67,643 36,67,643

12 0 - 0 0 12,599 0 18,917 0 0 38,82,565 51,075 38,75,508 38,75,508 38,75,508

13 0 - 0 0 13,313 0 19,989 0 0 41,02,611 53,970 40,95,153 40,95,153 40,95,153

14 0 - 0 0 14,067 0 21,122 0 0 43,35,128 57,029 43,27,247 43,27,247 43,27,247

15 0 - 0 0 14,864 0 22,319 0 0 45,80,822 60,261 45,72,495 45,72,495 45,72,495

16 0 - 0 0 15,707 0 23,584 0 0 48,40,442 63,676 48,31,643 48,31,643 48,31,643

17 0 - 0 0 16,597 0 24,920 0 0 51,14,775 67,285 51,05,477 51,05,477 51,05,477

18 0 - 0 0 17,538 0 26,333 0 0 54,04,656 71,098 53,94,832 53,94,832 53,94,832

19 0 - 0 0 18,532 0 27,825 0 0 57,10,967 75,128 57,00,585 57,00,585 57,00,585

20 0 - 0 0 19,582 0 29,402 0 0 60,34,637 79,386 60,23,668 60,23,668 60,23,668

21 0 - 0 0 20,692 0 31,069 0 0 63,76,652 83,885 63,65,061 63,65,061 63,65,061

22 0 - 0 0 21,864 0 32,829 0 0 67,38,051 88,639 67,25,802 67,25,802 67,25,802

23 0 - 0 0 23,103 0 34,690 0 0 71,19,932 93,663 71,06,989 71,06,989 71,06,989

24 0 - 0 0 24,413 0 36,656 0 0 75,23,456 98,971 75,09,780 75,09,780 75,09,780

25 0 - 0 0 25,797 0 38,733 0 0 79,49,850 1,04,580 79,35,399 79,35,399 79,35,399

Gross
4% p.a Amount in Rupees
Yield
Annualized
Premium Premium
Annualized Allocation -Premium Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge Allocation GST FMC
Charge Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge

(PAC) (AP)-(PAC)

1 20,00,000 - 20,00,000 0 6,730 0 10,106 0 0 20,38,784 27,285 20,35,078 20,35,078 21,00,000

2 0 - 0 0 6,848 0 10,283 0 0 20,74,543 27,764 20,70,772 20,70,772 21,00,000

3 0 - 0 0 6,968 0 10,463 0 0 21,10,929 28,251 21,07,092 21,07,092 21,07,092

4 0 - 0 0 7,091 0 10,647 0 0 21,47,953 28,746 21,44,048 21,44,048 21,44,048

5 0 - 0 0 7,215 0 10,833 0 0 21,85,626 29,250 21,81,653 21,81,653 21,81,653

6 0 - 0 0 7,342 0 11,023 0 0 22,23,960 29,763 22,19,917 22,19,917 22,19,917

7 0 - 0 0 7,470 0 11,217 0 0 22,62,966 30,285 22,58,853 22,58,853 22,58,853

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 Gross
4% p.a Amount in Rupees
Yield

Annualized
Premium Premium
Annualized Allocation -Premium Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge Allocation GST FMC
Charge Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge
(PAC) (AP)-(PAC)

8 0 - 0 0 7,601 0 11,414 0 0 23,02,657 30,817 22,98,471 22,98,471 22,98,471

9 0 - 0 0 7,735 0 11,614 0 0 23,43,044 31,357 23,38,784 23,38,784 23,38,784

10 0 - 0 0 7,870 0 11,817 0 0 23,84,139 31,907 23,79,805 23,79,805 23,79,805

11 0 - 0 0 8,008 0 12,025 0 0 24,25,955 32,467 24,21,545 24,21,545 24,21,545

12 0 - 0 0 8,149 0 12,236 0 0 24,68,504 33,036 24,64,016 24,64,016 24,64,016

13 0 - 0 0 8,292 0 12,450 0 0 25,11,799 33,615 25,07,233 25,07,233 25,07,233

14 0 - 0 0 8,437 0 12,669 0 0 25,55,854 34,205 25,51,208 25,51,208 25,51,208

15 0 - 0 0 8,585 0 12,891 0 0 26,00,682 34,805 25,95,954 25,95,954 25,95,954

16 0 - 0 0 8,736 0 13,117 0 0 26,46,295 35,415 26,41,485 26,41,485 26,41,485

17 0 - 0 0 8,889 0 13,347 0 0 26,92,709 36,037 26,87,814 26,87,814 26,87,814

18 0 - 0 0 9,045 0 13,581 0 0 27,39,937 36,669 27,34,956 27,34,956 27,34,956

19 0 - 0 0 9,204 0 13,819 0 0 27,87,993 37,312 27,82,925 27,82,925 27,82,925

20 0 - 0 0 9,365 0 14,062 0 0 28,36,892 37,966 28,31,735 28,31,735 28,31,735

21 0 - 0 0 9,529 0 14,308 0 0 28,86,649 38,632 28,81,402 28,81,402 28,81,402

22 0 - 0 0 9,696 0 14,559 0 0 29,37,279 39,310 29,31,939 29,31,939 29,31,939

23 0 - 0 0 9,866 0 14,815 0 0 29,88,796 39,999 29,83,363 29,83,363 29,83,363

24 0 - 0 0 10,040 0 15,074 0 0 30,41,217 40,701 30,35,689 30,35,689 30,35,689

25 0 - 0 0 10,216 0 15,339 0 0 30,94,557 41,415 30,88,932 30,88,932 30,88,932

*Specify details, if any.

Notes:

1. Refer the Sales Literature for explanation of terms used in this illustration.
2. Fund Management Charge is based on the specific fund option(s) chosen.
3. In case rider charges are collected explicitely through collection of rider premium, and not by way of cancellation of units, then, such charges are not considered in this
illustration. In other cases, rider charges are included in other charges.

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

Place:

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

Channel Name : Direct - Online

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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