31-05-2025

Quote No : qcqntd64fwe8l

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: Debendra Kumar Tripathy Name of Product: HDFC Life Click 2 Retire
Age: 44 Tag Line: A Unit Linked Pension plan
Name of Life Assured: Debendra Kumar Tripathy Unique Identification No: 101L108V05
Age: 44 GST Rate: 18%*
Sum Assured: NA Investment Strategy opted 30% Equity oriented
for: 70% Debt oriented
Policy Term & Premium Payment Term: 10years & 8years
Amount of Instalment Premium: Rs.240000
Mode of payment of Premium: Annual
*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 30
Pension Income Fund Moderate ULIF06101/04/14PenIncFund101 70
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 2,40,000 0 4,487 808 2,44,209 2,44,209 2,52,000 0 4,580 824 2,53,602 2,53,602 2,53,602
2 2,40,000 0 9,053 1,629 4,92,702 4,92,702 5,04,000 0 9,420 1,696 5,21,577 5,21,577 5,21,577

3 2,40,000 0 13,698 2,466 7,45,553 7,45,553 7,56,000 0 14,534 2,616 8,04,740 8,04,740 8,04,740

4 2,40,000 0 18,425 3,317 10,02,839 10,02,839 10,08,000 0 19,937 3,589 11,03,951 11,03,951 11,03,951
5 2,40,000 0 23,236 4,182 12,64,637 12,64,637 12,64,637 0 25,648 4,617 14,20,119 14,20,119 14,20,119

6 2,40,000 0 28,130 5,063 15,31,027 15,31,027 15,31,027 0 31,681 5,703 17,54,207 17,54,207 17,54,207

7 2,40,000 0 33,110 5,960 18,02,090 18,02,090 18,02,090 0 38,057 6,850 21,07,229 21,07,229 21,07,229
8 2,40,000 0 38,177 6,872 20,77,906 20,77,906 20,77,906 0 44,793 8,063 24,80,259 24,80,259 24,80,259

9 0 0 38,847 6,992 21,14,351 21,14,351 21,14,351 0 47,333 8,520 26,20,829 26,20,829 26,20,829

10 0 0 39,528 7,115 21,51,435 21,51,435 21,51,435 0 50,015 9,003 27,69,365 27,69,365 27,69,365
*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: %

2151435 2769365 1977600 3% 154561 199054 142044

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.

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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 GST FMC
Charge Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge
(PAC) (AP)-(PAC)

1 2,40,000 - 2,40,000 0 824 0 1,238 0 0 2,54,064 3,342 2,53,602 2,53,602 2,53,602

2 2,40,000 - 2,40,000 0 1,696 0 2,546 0 0 5,22,527 6,874 5,21,577 5,21,577 5,21,577

3 2,40,000 - 2,40,000 0 2,616 0 3,928 0 0 8,06,205 10,606 8,04,740 8,04,740 8,04,740

4 2,40,000 - 2,40,000 0 3,589 0 5,388 0 0 11,05,961 14,549 11,03,951 11,03,951 11,03,951

5 2,40,000 - 2,40,000 0 4,617 0 6,932 0 0 14,22,706 18,716 14,20,119 14,20,119 14,20,119

6 2,40,000 - 2,40,000 0 5,703 0 8,562 0 0 17,57,402 23,119 17,54,207 17,54,207 17,54,207

7 2,40,000 - 2,40,000 0 6,850 0 10,286 0 0 21,11,067 27,771 21,07,229 21,07,229 21,07,229

8 2,40,000 - 2,40,000 0 8,063 0 12,106 0 0 24,84,776 32,687 24,80,259 24,80,259 24,80,259

9 0 - 0 0 8,520 0 12,793 0 0 26,25,602 34,540 26,20,829 26,20,829 26,20,829

10 0 - 0 0 9,003 0 13,518 0 0 27,74,408 36,497 27,69,365 27,69,365 27,69,365

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 2,40,000 - 2,40,000 0 808 0 1,213 0 0 2,44,654 3,274 2,44,209 2,44,209 2,52,000

2 2,40,000 - 2,40,000 0 1,629 0 2,447 0 0 4,93,599 6,606 4,92,702 4,92,702 5,04,000

3 2,40,000 - 2,40,000 0 2,466 0 3,702 0 0 7,46,911 9,996 7,45,553 7,45,553 7,56,000

4 2,40,000 - 2,40,000 0 3,317 0 4,980 0 0 10,04,665 13,445 10,02,839 10,02,839 10,08,000

5 2,40,000 - 2,40,000 0 4,182 0 6,280 0 0 12,66,940 16,956 12,64,637 12,64,637 12,64,637

6 2,40,000 - 2,40,000 0 5,063 0 7,603 0 0 15,33,815 20,527 15,31,027 15,31,027 15,31,027

7 2,40,000 - 2,40,000 0 5,960 0 8,949 0 0 18,05,371 24,161 18,02,090 18,02,090 18,02,090

8 2,40,000 - 2,40,000 0 6,872 0 10,318 0 0 20,81,690 27,859 20,77,906 20,77,906 20,77,906

9 0 - 0 0 6,992 0 10,499 0 0 21,18,201 28,348 21,14,351 21,14,351 21,14,351

10 0 - 0 0 7,115 0 10,683 0 0 21,55,353 28,845 21,51,435 21,51,435 21,51,435

*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 Debendra Kumar Tripathy,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

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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