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HDFC Life Personal Pension Plan Bonus Rates. Calculate returns & Maturity Value
HDFC Life Personal Pension Plan Bonus Rates. Calculate returns & Maturity Value
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Bonus rates for HDFC Life Personal Pension Plan (Regular Premium)

The table below shows the Bonus rates declared for HDFC Life Personal Pension Policy (Regular Premium) from inception. You can use this to calculate the HDFC Life Personal Pension Plan (Regular Premium) 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) Bonus Rate
    TB for Death and Surrender TB for Maturity
2020 10 21.00% 22.25%
  11 24.00% 25.50%
  12 27.00% 28.75%
  13 30.00% 31.75%
  14 33.00% 36.00%
  15 38.25% 41.25%
  16 42.50% 46.75%
  17 46.00% 51.25%
  18 49.50% 56.50%
2019 10 21.00% 22.00%
  11 24.00% 25.00%
  12 27.00% 28.00%
  13 30.00% 31.00%
  14 33.00% 35.00%
  15 38.25% 40.00%
  16 42.50% 45.00%
  17 16.00% 49.00%
  18 NA NA
2018 10 18.00% 18.00%
  11 21.00% 21.00%
  12 23.00% 23.00%
  13 26.00% 26.00%
  14 29.00% 30.50%
  15 33.00% 34.50%
  16 36.00% 37.00%
2017 10 18.00%
  11 20.00%
  12 22.00%
  13 25.00%
  14 27.00%
  15 30.00%
  16 NA
31st March 2016 10 18.00%
11 20.00%
12 22.00%
13 25.00%
14 27.00%
15 30.00%
31st March 2015 10 18.00%
11 18.00%
12 18.00%
>12 25.00%
31st March 2014 10 12.50%
11 12.50%
12 12.50%
>12 15.00%
31st March 2013   12.50%
31st March 2012   12.50%
31st March 2011   10.00%

Maturity Value
So to get to the HDFC Life Personal Pension Plan (Regular Premium), 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 Personal Pension Policy (Regular Premium). 
 

Bonus rates for HDFC Life Personal Pension Plan (Single Premium)

The table below shows the Bonus rates declared for HDFC Life Personal Pension Policy (Single Premium) from inception. You can use this to calculate the HDFC Life Personal Pension Plan (Single Premium) 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 5.00%
2017-18 5.00%
2016-17 5.00%
2015-16 5.00%
2014-15 5.00%
2013-14 5.00%
2012-13 5.00%
2010-11 5.00%
2010-11 5.00%
2009-10 5.00%
2008-09 5.00%
2007-08 5.00%


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) Bonus Rate
31st March 2016 5 15.00%
6 21.00%
7 27.00%
8 32.50%
9 40.00%
10 48.00%
12 67.00%
13 77.00%
14 87.00%
15 97.00%
31st March 2015 5 14.00%
6 35.00%
7 35.00%
8 35.00%
9 35.00%
10 45.00%
11+ 60.00%
12+ 60.00%
31st March 2014
 
5 12.50%
6 15.00%
7 23.00%
8 30.00%
9 35.00%
10 45.00%
11+ 55.00%
12+ 55.00%
31st March 2013 5 12.50%
6 15.00%
7 23.00%
8 30.00%
9 35.00%
10 45.00%
11+ 52.00%
12+ 52.00%
31st March 2012 5 12.50%
6 15.00%
7 23.00%
8 30.00%
9 35.00%
10 45.00%
11+ 52.00%
31st March 2011 5 8.00%
6 12.00%
7 16.00%
8 20.00%
9 24.00%
10 28.00%
31st March 2010 5 10.00%
6 14.00%
7 16.00%
8 20.00%
9 24.00%
31st March 2009 5 10.00%
6 12.00%
7 14.00%
8 16.00%
31st March 2008 5 12.00%
6 14.00%
7 19.00%

Maturity Value
So to get to the HDFC Life Personal Pension Plan (Single Premium), 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 Personal Pension Policy (Single Premium). 

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

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