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Guaranteed Returns Investment Plans

Guaranteed plans, as the name suggests, are savings and insurance plans that provide a guaranteed return on your investment. They offer tax-free maturity benefits and life coverage for the policy tenure. ...Read More

Buy a Savings Plan today. Get regular returns as you stay covered.

Realize your life goals without any risk. Enjoy guaranteed1 returns from your policy at regular intervals to meet your various financial goals5.

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Guaranteed Returns investment plan

What is a Guaranteed Return Plan?

Guaranteed1 return plans are financial tools that help you save a fixed amount regularly over several years. On maturity, you receive a guaranteed return, allowing you to plan for future financial requirements. During the policy tenure, you receive life insurance coverage, safeguarding your family's financial future if anything happens to you

Guaranteed Return Plans Offered by HDFC Life:

  • HDFC Life Sanchay Plus

    UIN:101N134V24

    A safe financial instrument that provides an alternate source of income

    UIN:101N134V24

    A safe financial instrument that provides an alternate source of income

    Key Features*
    • Guaranteed1 Income for period of 25 or 30 years
    • Get Back Premiums as Guaranteed1 Lump sum Benefit on maturity
    • Life Cover to protect your family
    • Guaranteed1 Income for period of 25 or 30 years
    • Get Back Premiums as Guaranteed1 Lump sum Benefit on maturity
    • Life Cover to protect your family
    Calculate Premium Calculate Premium Explore Plan

  • HDFC Life Sanchay Fixed Maturity Plan

    UIN: 101N142V07

    Stay fixed on your family's dreams even in uncertain times.

    UIN: 101N142V07

    Stay fixed on your family's dreams even in uncertain times.

    Key Features*
    • Guaranteed1 savings as per the policy terms
    • Enhance your protection coverage with rider options on payment of additional premium 
    • Option of single premium/limited pay/regular pay premium payment option
    • Guaranteed1 savings as per the policy terms
    • Enhance your protection coverage with rider options on payment of additional premium 
    • Option of single premium/limited pay/regular pay premium payment option
    Calculate Premium Calculate Premium Explore Plan

How Does a Guaranteed Return Insurance Plan Work?

When you opt for a guaranteed1 return insurance plan, you pay a premium at regular intervals. A small portion helps provide life coverage while the rest earns steady returns over time. On maturity, you receive the guaranteed amount. Your heir or beneficiary receives the sum assured payout if anything happens to you during the policy tenure. These plans provide the dual benefits of building a corpus while offering life insurance coverage.

1
1

Sum Assured/Coverage

The guaranteed return insurance plans offer a sum assured as life insurance cover, which secures your family’s financial future in case of your absence.

...Read More

2
2

Savings

Guaranteed return insurance plans also enable you to choose the financial corpus amount which you aim to save over the policy’s tenure. These returns are guaranteed and shall be paid out to you upon policy’s maturity in case you outlive the tenure.

...Read More

3
3

Premium Payment

The premium that you choose to pay helps you determine how much you can save and how much gets contributed towards the life coverage. Also, the premium payment term as well as the payment frequencies can be selected according to your preference.

...Read More

4
4

Policy Term

Policy term refers to the coverage period of the plan for which you would pay the premiums, save money, and also receive life insurance coverage. Depending on the number of years for which you need the life cover and save corpus, you can choose the policy term.

...Read More

5
5

Financial Protection

In case of your unfortunate demise during the guaranteed return insurance plan‘s term, your nominee would receive the death benefit. But if you end up surviving the policy term, the guaranteed return insurance plan corpus shall be paid out to you so that you can fulfill your goals.

...Read More

Why invest in a Guaranteed Return Plans?

Wondering whether a guaranteed plan is right for you? Here are some of the top reasons to get a guaranteed1 return plan:

Meet Future Financial Goals with Guaranteed Return Plans

To Meet Future Financial Goals

Guaranteed plans offer steady financial growth, allowing you to save and invest over several years to meet future financial goals.

Protect Your Family with Guaranteed Return Plans

To Protect Your Family

These plans come with a life insurance component, providing financial stability and support during a difficult time.

Safeguard Your Corpus with Guaranteed Return Plans

To Safeguard Your Corpus

Guaranteed return plans are independent of market fluctuations. They are savings plans that keep your investment amount safe.

HDFC Life TOP Guaranteed Returns Investment Plan

How is a Guaranteed Return Plan More Reliable?

Guaranteed return plans do not rely on market fluctuations. They use simple interest and the power of compounding to grow your wealth steadily over several years. These policies are more reliable than other investment avenues since you can rest assured of guaranteed returns. Additionally, these plans provide life insurance coverage, which helps safeguard your family's finances, regardless of what happens to you.

Features of Guaranteed Return Insurance Plans in India

The key features of a guaranteed return investment plan are:

Guaranteed returns

Guaranteed returns

You can with certainty plan your financial goals with a guaranteed return plan. This plan provides a steady and guaranteed income over a defined duration. The risk involved is low and you can rely on the returns for your future objectives. Please note the returns are guaranteed under specified terms and conditions of the policy.

...Read More

Flexible Return

Flexible Return Options

The guaranteed return plan provides several return options depending on your financial requirements. You can choose for a lump sum payout, short-term, long-term, or immediate returns to align with your future goals.

...Read More

Guaranteed Extra Benefits for savings

Guaranteed Extra Benefits to Grow Your Savings

If you opt for an endowment plan, a part of the guaranteed annual returns is accumulated at the end of each year of the policy for investment growth and enhancement of the corpus.

...Read More

Life insurance coverage

Life insurance coverage

The guaranteed return investment plan provides life insurance coverage that protects your family financially if anything uneventful occurs during the policy term.

...Read More

Easy premium payment

Easy premium payment

The guaranteed return plan provides flexible premium payment options. It can be a single payment, monthly, quarterly, half-yearly, or annually as per your preference.

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What are the benefits of Guaranteed Return Plans?

When you opt for a guaranteed return plan, you enjoy the following benefits:
Benefits as Dual Benefits of Savings and Insurance

Dual Benefits of Savings and Insurance

Guaranteed return plans combine the benefits of savings with life insurance coverage. These policies encourage you to build good financial habits while securing your family's finances with insurance coverage.

Benefits as Stable Returns

Stable Returns

Guaranteed return plans provide steady returns over time. They do not depend on market fluctuations, which make them ideal for long-term financial planning for risk-averse individuals.

Benefits as Easy Customisation

Easy Customisation

You can choose your premium payment frequency and enhance your plan's coverage with riders. Guaranteed savings plans allow you to make financial decisions based on what works best for you.

Benefits as Protection for the Family

Protection for the Family

Along with helping you grow your wealth for the future, these policies offer life insurance coverage. Should anything happen to you, the policyholder, while the plan is active, your beneficiary or heir receives the sum assured amount. The payout provides financial stability and support during difficult times.

Benefits as Tax Benefits

Tax Benefits

Guaranteed return plans offer tax benefits under Section 80C* of the Income Tax Act. Ensure you check prevailing tax laws before making deductions.

Add-on Benefits

Add-on Benefits

Add-on rider’s for instance accidental death benefit, critical illness cover, waver of premium, etc help you enhance the overall benefit of the guaranteed return plan.

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Tax Benefits of Guaranteed Return Plans

The tax benefits of a guaranteed return plan can bring down your overall tax liability. The benefits you can derive are:
 

Tax Savings on Investment


You can claim a tax deduction for an investment up to Rs. 1.50 lacs under Section 80C* of the Income Tax Act 1961 subjected to the conditions mentioned., i.e., the amount is deducted from the taxable income, which will reduce your overall tax liability.
 

Tax Benefits on Returns
 

You can also derive tax benefits on the returns from the guaranteed return plan under Section 10(10D)* of the Income Tax Act 1961 subjected to the conditions mentioned below.

A life insurance policy (Non-ULIP) issued on or after April 1, 2023, shall be exempt u/s 10(10D)* of the Income tax Act, 1961 ('the Act') if the below conditions are fulfilled:
 

  • The premium paid is not in excess of 10% of the actual capital sum assured (i.e. death sum assured) throughout the policy term.
  • If the premium payable for any year during the term of policy does not exceeds INR 5 lakhs.
  • Aggregate annual premium should not exceed Rs. 5 lac for all policies held by the policyholder with all life insurers for policies issued on or after April 1, 2023.

If the policy does not satisfy the above conditions then at the time of maturity, Income on such LIP would be chargeable to tax as 'Income from Other Sources' under section 56(2)(xiii)* of the Act.

Further, proceeds received on death are completely exempt in the hands of the nominee.

What Are the Steps to Buy a Guaranteed Return Investment Plan?

Buying a guaranteed return investment plan is quick and easy. All you have to do is follow these steps:
1
1

Understand Your Goals

Determine how much you require and maturity and evaluate the life insurance coverage required.

...Read More

2
2

Enhance Your Coverage

Identify plans that offer riders and determine how you can boost your coverage.

...Read More

3
3

Complete the Application Form

Fill out the online application form. You have to enter your personal and financial details.

...Read More

4
4

Pay the Premium

Complete the transaction to pay your first premium to enjoy life coverage and start building a corpus for the future.

...Read More

Important Factors to Consider Before Buying a Guaranteed Return Plan

Before you purchase a plan, ensure you evaluate your:

Evaluate your Financial Goals

Financial Goals

Select a plan that aligns with your goals to fulfil your future financial needs.

...Read More

Evaluate your Ability to Pay Premiums

Ability to Pay Premiums

Take stock of your finances to understand how much you can afford to pay every month, quarter or year for the upkeep of your policy.

...Read More

Evaluate your Returns

Returns

Evaluate the returns offered and check whether it is adequate for your needs.

...Read More

Evaluate your Policy Tenure

Policy Tenure

Determine how much time you have to build a corpus for your future goals. Select a plan that suits your requirements.

...Read More

Evaluate your Life Insurance Coverage

Life Insurance Coverage

Select plans that provide adequate insurance coverage. Understand your Human Life Value and choose accordingly.

...Read More

Evaluate your Tax Benefits

Tax Benefits

Check the tax benefits offered by various plans and understand how you can maximise your savings and returns while minimising your tax liabilities.

...Read More

Evaluate your The Insurance Company's Reputation

The Insurance Company's Reputation

Finally, evaluate the insurance company's reputation. Select an insurance provider with a high claim settlement ratio and a good standing in the market to safeguard your corpus and your family's finances.

...Read More

Who Should Buy Guaranteed Return Investment Plans?

Guaranteed Return Investment Plan for parents

Parents

Parents who want to secure their family's future can purchase guaranteed return plans. These policies help you build a corpus to pay for your child's higher education and future dreams. The life insurance component offers additional financial security for your little ones.

...Read More

Guaranteed Return Investment Plan for Young Workers

Young Workers

Young risk-averse workers can choose guaranteed return plans to build a corpus for their future goals. Additionally, the life insurance component helps your loved ones with additional financial support in your absence.

...Read More

Guaranteed Return Investment Plan for Newly Weds

Newly Weds

Couples who recently tied the knot can purchase a guaranteed return plan to build their financial future together.

...Read More

Guaranteed Return Investment Plan for Working Women

Working Women

Young independent women can use guaranteed return plans to secure their future. They can build a corpus to secure their retirement and other financial goals.

...Read More

Guaranteed Return Investment Plan for Taxpayers

Taxpayers

Guaranteed return plans offer tax benefits under Section 80C of the Income Tax Act. Taxpayers can opt for these plans to minimise liabilities while working towards future financial goals.

...Read More

FAQ's about Guaranteed Returns Investment Plans

1 What affects the returns of my guaranteed returns plan?

Your plan returns depend on the policy term, premium payment frequency, and your age.

2 How much money should I save every month or year?

There is no one correct answer to this question. Ideally, aim to save 20% of your income to invest in future goals

3 What are the tax benefits for guaranteed returns plans?

Guaranteed returns plans offer tax benefits under Section 80C* and Section 10(10D)* of the Income Tax Act, 1961. Premiums paid are eligible for deductions under Section 80C, and the maturity amount enjoys tax benefits under Section 10(10D).

4 Who is eligible to invest in a guaranteed return plan?

Most guaranteed return plans require individuals to be at least 18. You should check the specific eligibility requirements of your chosen policy.

5 Should I pick a long-term or short-term guaranteed plan?

You should select a plan based on your age, investment ability and financial goals. Long-term plans work best for young professionals. Short-term plans are better for those close to retirement.

6 Why are guaranteed return plans reliable?

Guaranteed plans offer stable returns and do not depend on market fluctuations. They are reliable since they offer guaranteed returns and life insurance coverage.

7 When should I buy a guaranteed return plan?

The ideal time to buy a guaranteed return plan depends on your current finances and future goals. Anybody can purchase a policy at any time as long as it aligns with their life goals.

8 Who should buy guaranteed returns plans?

Individuals who want to build a secure corpus for the future can opt for a guaranteed return plan. The policy is suitable for business people, salaried individuals, young professionals, and those nearing retirement.

9 Which investment gives the highest return in the long run?

There's no correct answer to this question. Some market-linked investments offer very high returns but without guarantees. These high-risk investments may lead to potential losses. Guaranteed plans, on the other hand, offer steady returns over several years.

10 Are guaranteed return plans good?

Guaranteed return plans offer dual benefits of building a corpus for future goals while protecting your family's finances with life insurance coverage. You can select a plan based on your goals.

11 Where should I invest my money for guaranteed returns?

You can choose a guaranteed return plan like HDFC Life Sanchay Plus, HDFC Life Guaranteed Income Insurance Plan, and HDFC Life Sanchay Fixed Maturity Plan to get guaranteed returns.

12 Are guaranteed income plans tax-free?

 Guaranteed plans offer tax benefits under Section 80C3 and Section 10(10D) 4 of the Income Tax Act, 1961. You can check with a tax advisor to better understand your tax liabilities before purchasing a plan.

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Disclaimers

*T&C Apply
1. Guaranteed Benefit is paid on survival during policy term provided all due premiums are paid during the premium payment term.
2. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

* Tax benefits & exemptions are subject to conditions under Sections 80C, 8OD, Section 10(10D) and other provisions of the Income Tax Act, 1961.
Tax Laws are subject to change from time to time. Customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.

HDFC Life Sanchay Plus (UIN: 101N134V24) is a non-participating, non-linked savings insurance plan.

HDFC Life Sanchay Fixed Maturity Plan (UIN:101N142V07) is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan. Life Insurance Coverage is available in this product.

5 . This feature is available in select products under the savings category. Please read the product brochure of your selected product to know the details.

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