Bonus rates for HDFC Life Money Back Plan

The table below shows the Bonus rates declared for HDFC Life Money Back Policy from inception. You can use this to calculate the HDFC Life Money Back Plan Maturity Value. The vested bonus rates are percentage of  Sum Assured.

In case you have a plan with Sum Assured of Rs. 5,00,000 - Use the values in the table as following:

Bonus Value = (Sum Assured x Bonus Rate) = (5,00,000 x Bonus Rate)

Simple Reversionary Bonus
 

Year	Bonus Rate
2018-19	2.00%
2017-18	2.00%
2016-17	2.00%
2015-16	2.00%
2014-15	2.00%
2013-14	2.00%
2012-13	2.00%
2011-12	2.00%
2010-11	2.00%
2009-10	2.00%
2008-09	2.25%
2007-08	2.25%

Terminal Bonus
Terminal bonus is one time bonus which is payable at maturity. Terminal bonus declared as a percentage of sum assured.
 

Year	Policy Term ( in years)	Terminal Bonus Rate
		TB for Death and Surrender	TB for Maturity
2020	10	16.00%	16.50%
	11	21.00%	21.00%
	12	26.00%	26.00%
	13	31.00%	31.00%
	14	36.00%	36.00%
	15	37.00%	43.50%
2019	10	16.00%	16.00%
	11	21.00%	NA
	12	26.00%	NA
	13	31.00%	NA
	14	36.00%	NA
	15	37.00%	41.00%
2018	10	15.00%	15.00%
	15	37.00%	40.00%
2017	10	13.50%
	15	30.00%
31st March 2016	10	13.50%
	15	30.00%
31st March 2015	10	13.50%
	15	28.00%
31st March 2014		13.00%
31st March 2013		12.50%
31st March 2012		12.50%
31st March 2011		10.00%
31st March 2010		4.00%

Maturity Value
So to get to the HDFC Life Money Back Plan, you have to add all of the following - Sum Assured + Accrued bonus + Any special bonus + Terminal Bonus.

Do let us know in case you need any further information on the bonus rates for this plan or in calculating the returns for your HDFC Life Money Back Policy. 

Please contact the HDFC Life office for exact details of the bonus which has accrued in your plan.