HDFC Life Sanchay

Put your financial life on autopilot with Guaranteed Benefits.


  • Limited premium paying term of 5, 8 or 10 years with flexibility to choose policy term between 15 to 25 years.
  • Financial Protection against untimely demise throughout the policy term.
  • Guaranteed maturity benefit of 220% to 325% of the Sum Assured depending upon the policy term.
  • Option to go for Short Medical Questionnaire eliminating tedious medical tests.

* For more details, please refer the product brochure


  • Guaranteed Maturity Benefit provided all due premiums have been paid.
  • Limited premium paying term of 5, 8 or 10 years.
  • Flexibility to choose the policy term of 15 to 25 years.
  • The flexibility to choose premium payment frequency i.e. monthly/quarterly/half-yearly/annually.

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Contact Number
6160 6161

Features and Benefits of HDFC Life Sanchay Plan

Life is full of responsibilities and as a responsible individual you aspire to build a financially secure life for your loved ones. Guarantee on Returns helps you to fulfill your responsibility with ease.

HDFC Life Sanchay is a 'non-participating' limited premium paying endowment plan that offers guaranteed benefits along with flexibility to choose your investment horizon.



Our HDFC Life Sanchay Plan gives you:

  • Guaranteed Additions: The plan offers guaranteed additions of 8% or 9% of sum assured accrued for each completed policy year payable at maturity
  • Maturity Benefit: On your survival, at end of the policy term, you will receive lump sum benefit as aggregate of:
    a. Sum Assured
    b. Accrued Guaranteed Additions
    Your aggregate Maturity benefit, that is guaranteed, will vary by policy term in a range of 220% to 325% of the Sum Assured
  • No Medicals: You can take this plan without any medicals if you fulfill the short questionnaire eligibility. See product brochure to know more.
  • Entry Age and Policy Term: The minimum age at entry is 30 days and maximum age at entry is 45 years. The minimum maturity age is 18 years and maximum is 70 years. The minimum policy term is 15 years and maximum policy term of the plan is 25 years.


  • Fulfill your long term financial goals by saving for a limited period to enjoy guaranteed lump sum (sum assured plus accrued guaranteed additions) on maturity
  • Provides protection to your family by way of lump sum payment in case of unfortunate demise during the policy term.
  • You can choose to pay your premium as either Annually, Half-Yearly, Quarterly or Monthly depending on your convenience. You also have a range of convenient auto premium payment options.
  • You can now avail loan on this plan. See Product brochure for details.

Buy instantly through NetBanking

You can now Buy HDFC Life Sanchay through NetBanking in just three simple steps -

Step 1: Click on Insurance Tab inside NetBanking -->Buy and Renew Life Insurance

Step 2: Choose Buy and then click on Buy Now option near HDFC Life Sanchay

Step3 : Confirm details, make payment and process is complete

Click here to buy the policy through NetBanking.

What are the tax benefits of the HDFC Life Sanchay Plan?

Tax benefits under sections 80C and 10(10D) of the Income Tax Act 1961.
Subject to provisions as per Income Tax Act, 1961. Tax Laws are subject to change.

Commission for Life Insurance

As per RBI circular: RBI/2009-10/225 dated November 16, 2009, following are the details of the comparative commission earned by HDFC Bank from Insurance (Life), whose products are being distributed:

Commission, Brokerage and trail from Life Insurance

CategoryFirst Year Commission2nd year Renewal commission
Health 2% 25% 0% 7.50%
Pension 2% 7.50% 0% 2%
Protection 2% 35% 0% 0%
Savings & Investment 0% 35% 0% 3%
Group Product* 2% 2% 0% 0%

Note: The commission varies depending upon the Product in each category, tenure, amount of premium and premium paying term

*For Group Products commission payable is 2% of the premium with a ceiling on the maximum payout as defined by Insurance Regulatory and Development Authority of India (IRDAI) from time to time.

Important Disclaimer

* Guaranteed amount depends on the policy term chosen & subject to policy being in force.

HDFC Standard Life Insurance Company Limited, Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011 : - The policy holder may avail of benefits are as provided under the tax laws. The premium would be subject to Service tax & education cess as per applicable tax rates. Tax laws are subject to change basis the amendments made from time to time.

HDFC Standard Life Insurance Company Limited. In Partnership with Standard Life Plc Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions and exclusions please read the product brochure before conclusion of sale. HDFC Life Sanchay (Form No: P501 & UIN: 101N097V01) is a traditional insurance product offered by HDFC Life. This is a non participating plan. The name of the company, name of the brand and the name of the product does not indicate the quality of the plan. HDFC Standard Life Insurance Co. Ltd. - IRDA Reg.No.101

HDFC Bank Limited ("HDFC Bank") is a corporate insurance agent of HDFC Standard Life Insurance Company Limited ("HDFC Life") under Corporate Agent's IRDAI license no.933982 and does not underwrite the risk or acts as an insurer. The insurance is underwritten by HDFC Life. This policy is issued to you by HDFC Life and is subject to the terms and conditions governing such policy. The contract of insurance is between HDFC Life and the insured only, and not between HDFC Bank and the insured .HDFC Bank is acting merely as the corporate agent of HDFC Life and there is no direct or indirect linkage between the provisions of the banking services offered by HDFC Bank. Your participation in this product is purely on a voluntary basis. HDFC Bank is not responsible or liable for performance of any obligations under the contract of insurance.

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