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Range of Retirememnt Plans
  • HDFC Personal Pension Plan
  • HDFC Immediate Annuity
  • HDFC SL Pension Maximus
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HDFC Personal Pension Plan

Today, you are busy climbing the ladder of success and realizing your dreams. Today, time is with you. Just take a moment and think. Will you be able to continue at the same pace? Will your income be the same forever? Will you be able to live life on your own terms even after you retire? The HDFC Personal Pension Plan is a 'With Profits' insurance policy that is designed to provide a post-retirement income for life with the freedom to choose your retirement date.

Advantages
  • This plan is designed to provide you a post retirement income for life- You can choose your premium, the Sum Assured and your retirement date. At the end of the policy term, you will receive the Sum Assured plus any attaching bonuses, which will provide you a post retirement income in your golden years.
  • On your chosen retirement (Vesting) date, you will get the lump sum comprising the Sum Assured plus any attaching bonus:
    • You can take up to 1/3rd of your Sum Assured as a tax free cash lump sum
    • The rest must be converted to annuity
    • You can buy the annuity from us or any other insurer
  • For Regular Premium Policy, you can choose to pay your premium as either Annually, Half-Yearly or Quarterly depending on your convenience. You also have a range of convenient auto premium payment options.
  • Tax benefits under sections 80CCC of the Income Tax Act, 1961 subject to the provisions contained therein
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Product Guide Download

HDFC Immediate Annuity

The HDFC Immediate Annuity is a contract that uses your capital to provide you with a guaranteed gross income through out your lifetime or over a period of your choice. The income is guaranteed and is unaffected by the rise and fall of interest rates. This means you can plan your life the way you want it to be, safe in the knowledge that your gross income will not fall during the period you have selected. The HDFC Immediate Annuity offers a number of options to meet all your income needs.

Advantages
  • Income for Temporary Period Option: You can choose to limit the payment period of annuity if you only require an income for a specified time. The annuity is payable for your selected term provided you are still alive. No annuity is payable after the chosen term has expired. You can choose to limit the payment term to between 5 and 25 years. The term selected must be at least for one year greater than any guarantee period
  • Death Benefits: In addition to a regular income, you can choose an annuity that will pay out a benefit on your death or, if you have chosen to provide an annuity for a named individual, on the later of your and the named individual's death. You can choose the level of death benefit:
    • Full purchase price, or a proportion of the purchase price
    • Capital protection option- the amount paid on death is equal to the purchase price less the gross annuity installments already paid under the annuity
    • No death benefit is allowable where a guarantee period has been selected. No death benefit is allowable where a Joint Life annuity reducing on death of the first life has been selected
  • If you need to provide an income for someone after you die: The HDFC Immediate Annuity can also provide an annuity for a named individual specified in your application form. This annuity will be paid if you die before the named individual. The amount of their annuity can be the same as your annuity or a proportion of your annuity
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HDFC SL Pension Maximus

HDFC SL Pension Maximus is a single premium unit linked pension plan which is crafted to maximise your returns and assists you to live retirement days to a maximum- a king size life. This pension plan is designed to build a corpus during the policy term so that you can enjoy post retirement income for life.

Advantages
  • This plan is designed to provide you a post retirement income for life- choose your single premium and after 10 years you will receive the vesting benefit, which will be used to provide you with the annuity in your golden years.
  • On Vesting you will receive greater of Fund Value or Guaranteed Vesting value.See product brochure for details on Guarantee Vesting value.
  • On your chosen retirement (Vesting) date, you will get the vesting benefit. As per prevailing Government regulations:
    • You can take up to 1/3rd of the total Vesting benefit as a tax-free cash lump sum
    • The rest must be converted to annuity
    • You can buy the annuity from us or any other insurer
  • Tax benefits under sections 80CCC of the Income Tax Act, 1961 subject to the provisions contained therein
Product Brochure Download