HDFC BRANCH BANKING & ALTERNATE

EP RATE CARD DEC’23

o Eps are applicable for all initiatives of Goalsheet, perks & RNR unless specified separately.
o Respective months EPs are updated as per submission date.
o NON FTR polices EP docking as per system update.
o Below Eps are only applicable for Lower and middle level sales hierarchy.
o ULIP EPS REDUCED

Product Name PPT Base EP

RP 6.80
LP 11 Pay + 6.00
Sampoorna Raksha Supreme (SRS) 6 to 10 Pay 4.40
SP 4.00
5 Pay 1.60
RP 9.20
LP 11 Pay + 5.60
Sampoorna Raksha Supreme Plus (SRS+) SP 4.00
6 to 10 Pay 4.40
LP 5 Pay 2.40
Insta Protect All Pay 4.00
LI LP 11 Pay+ 5.20
Sampoorna Raksha Supreme Income LI LP 5 Pay 3.20
LI LP 6 to 10 Pay 4.40
MRS All Pay 2.00
5 to 8 Pay 1.60
MRSS
9 Pay+ 2.40
Saral Jeevan Bima All Pay 4.00
Smart Sampoorna Raksha SA All Pay 0.10
Smart Sampoorna Raksha ( PR+) All Pay 3.20
Smart Sampoorna Raksha (PR) All Pay 2.40
Smart Sampoorna Raksha (PR ROP) All Pay 2.80
Smart Sampoorna Raksha (PR II) All Pay 2.80
PR3_10 Pay 3.20
PR3_12 Pay 3.60
Smart Sampoorna Raksha (PR III) PR3_30 Pay 3.60
PR3_40 Pay 3.20
PR3_5 Pay 2.00
SSR 5 pay – SSR Plus 15X 0.10
SSR 10 pay – SSR Plus 15X 0.40
Smart Sampoorna Raksha Plus
SSR 12 pay – SSR Plus 15X 0.10
SSR Regular pay – SSR Plus 15X 0.10
LP 5 1.60
LP 6 to 10 4.40
SRS Vitality Protect Life LP 11+ 6.00
RP 6.80
SP 4.00
LP 5 2.40
SRS Vitality Protect Life Plus LP 6 to 10 4.40
LP 11+ 5.60
 RP 9.20
SP 4.00
Smart Health_NROP_PPT 5 - 6 1.60
Smart Health_NROP_PPT 7 - 9 2.00
Smart Health_NROP_PPT 10 - 11 2.80
Smart Health_NROP_PPT 12+ 2.80
Smart Health_ROP_PPT 5 - 6 2.40
Smart Health_ROP_PPT 7 - 9 2.80
Smart Health ( Pro-Fit)
Smart Health_ROP_PPT 10 - 11 3.20
Smart Health_ROP_PPT 12+ 3.60
Smart Health_WL_PPT 5 - 6 3.20
Smart Health_WL_PPT 7 - 9 3.60
Smart Health_WL_PPT 10 - 11 3.60
Smart Health_WL_PPT 12+ 4.00

Base EP with Premium EP with Elite

Product Name PPT
EP Rider Package Rider Package
FGP Option 1 LP PPT_10-11 IT_20 2.00 2.50 3.00
FGP Option 1 LP PPT_10-11 IT_25-30 1.20 1.70 2.20
FGP Option 1 LP PPT_10-11 IT_35-45 2.40 2.90 3.40
FGP Option 1 LP PPT_12 IT_20 2.80 3.30 3.80
FGP Option 1 LP PPT_12 IT_25-30 2.00 2.50 3.00
FGP Option 1 LP PPT_12 IT_35-45 2.80 3.30 3.80
FGP Option 1 LP PPT_5-6 IT_20 1.20 1.70 2.20
FGP Option 1 LP PPT_5-6 IT_25-30 1.20 1.70 2.20
FGP Option 1 LP PPT_5-6 IT_35-45 2.00 2.50 3.00
FGP Option 1 LP PPT_7-9 IT_20 0.80 1.30 1.80
FGP Option 1 LP PPT_7-9 IT_25-30 0.80 1.30 1.80
FGP Option 1 LP PPT_7-9 IT_35-45 1.20 1.70 2.20
FGP Option 1 RP PPT_10-11 IT_20 2.00 2.50 3.00
FGP Option 1 RP PPT_10-11 IT_25-30 1.60 2.10 2.60
Fortune Guarantee Plus
FGP Option 1 RP PPT_10-11 IT_35-45 1.60 2.10 2.60
FGP Option 1 RP PPT_12 IT_20 2.40 2.90 3.40
FGP Option 1 RP PPT_12 IT_25-30 1.60 2.10 2.60
FGP Option 1 RP PPT_12 IT_35-45 2.80 3.30 3.80
FGP Option 1 RP PPT_5-6 IT_20 0.80 1.30 1.80
FGP Option 1 RP PPT_5-6 IT_25-30 0.80 1.30 1.80
FGP Option 1 RP PPT_5-6 IT_35-45 1.60 2.10 2.60
FGP Option 1 RP PPT_7-9 IT_20 1.20 1.70 2.20
FGP Option 1 RP PPT_7-9 IT_25-30 0.80 1.30 1.80
FGP Option 1 RP PPT_7-9 IT_35-45 0.80 1.30 1.80
FGP Option 2 RP PPT_10-11 IT_25-30 0.80 1.30 1.80
FGP Option 2 RP PPT_5-6 IT_20-30 0.40 0.90 1.40
FGP+ SP JL 3.20 3.70 4.20
FGP+ SP SL 4.40 4.90 5.40
GRIP 10 1.60 2.10 2.60
GRIP 10 (WoL) - SL 3.60 4.10 4.60
GRIP 10_RI 1.20 1.70 2.20
GRIP 12 4.40 4.90 5.40
GRIP 12_RI 4.00 4.50 5.00
Guaranteed Return Insurance Plan
GRIP 9 2.80 3.30 3.80
GRIP 9_RI 2.00 2.50 3.00
GRIP 10 (WoL) - JL 1.60 2.10 2.60
GRIP 12/17 4.00 4.50 5.00
GRIP 5 0.80 1.30 1.80
 GRIP 5/15 0.40 0.90 1.40
GRIP 5 (WoL) - JL 2.00 2.50 3.00
GRIP 5 (WoL) - SL 1.60 2.10 2.60
GRIP 5_RI 1.60 2.10 2.60
GRIP 6 1.20 1.70 2.20
GRIP 6 (WoL) - JL 1.60 2.10 2.60
GRIP 6 (WoL) - SL 1.20 1.70 2.20
GRIP 6_RI 2.00 2.50 3.00
GRIP 7 1.20 1.70 2.20
GRIP 7_RI 1.20 1.70 2.20
GRIP 8 1.20 1.70 2.20
GRIP 8 (WoL) - SL 1.20 1.70 2.20
GRIP 8_RI 0.80 1.30 1.80
GRIP 8 (WoL) - JL 2.00 2.50 3.00
GRIP 7 (WoL) - SL 2.00 2.50 3.00
GRIP 1 1.60 2.10 2.60
GRIP 1 (WoL) - JL 0.40 0.90 1.40
GRIP 1 (WoL) - SL 3.60 4.10 4.60
SVIP PPT [11 - 15] 2.00 2.50 3.00
SVIP PPT [5 - 10] 1.20 1.70 2.20
Smart Value Income Plan
SVIP PPT 15+ 2.00 2.50 3.00
SP 1.20 1.70 2.20
Fortune Guarantee 10 pay 2.80 3.30 3.80
Fortune Guarantee 12 pay 1.60 2.10 2.60
Fortune Guarantee Fortune Guarantee 5 pay 0.80 1.30 1.80
Fortune Guarantee 7 pay 1.20 1.70 2.20
Fortune Guarantee 8 pay 2.00 2.50 3.00
DSP 12 0.80 1.30 1.80
DSP 5 0.40 0.90 1.40
Diamond Saving Plan
DSP 6 0.40 0.90 1.40
DSP 8 0.40 0.90 1.40
5 to 10 Pay 0.80 1.30 1.80
Value Income Plan
11 Pay + 0.80 1.30 1.80

Product Name PPT >= 50 K EP < 50 K EP

Fortune Maxima SP 0.80 0.00
Fortune Pro SP 3.60 0.00
Wealth Pro SP 3.20 0.00
ULIP Fortune Maxima 0.50 0.00
Fortune Pro 0.50 0.00
Wealth Maxima 0.50 0.00
Wealth Pro 0.50 0.00

Product Name PPT Base EP

SIP 10 2.80
SIP 12 3.20
POS_SIP 1.60
SIP 7 1.60
Smart Income Plus SIP 5 1.20
SIP 6 1.20
SIP 8 1.60
SIP 9 2.00
SIP 11 2.80
Fortune Guarantee Pension FG pension OP 3 Def 1-10 PPT 5-8 0.80
 FG pension OP 3 Def 1-10 PPT 9+ 2.00
FG pension OP 3 Def>10 PPT 5-8 2.00
FG pension OP 3 Def>10 PPT 9+ 3.20
FG pension OP 4 Def 1-10 PPT 5-8 0.10
FG pension OP 4 Def 1-10 PPT 9+ 1.20
FG pension OP 4 Def>10 PPT 5-8 0.80
FG pension OP 4 Def>10 PPT 9+ 2.00
FG pension OP 1 SP JL 1.60
FG pension OP 1 SP SL 0.40
FG pension OP 2 SP JL 2.80
FG pension OP 2 SP SL 1.60
FG pension OP 4 SP JL 2.80
FG pension OP 4 SP SL 1.60
FG pension OP 3 SP SL 6.80
FG Supreme 5 PPT upto 29 PT 0.10
FG Supreme 5 PPT 30 & above PT 0.40
FG Supreme 6 to 9 PPT upto 29 PT 0.40
FG Supreme 6 to 9 PPT 30 & above PT 0.80
FG Supreme
FG Supreme 10 & 11 PPT upto 29 PT 1.20
FG Supreme 10 & 11 PPT 30 & above PT 2.00
FG Supreme 12 PPT upto 29 PT 2.00
FG Supreme 12 PPT 30 & above PT 2.00
FG Supreme 5 PPT upto 29 PT 0.10
FG Supreme 5 PPT 30 & above PT 0.80
FG Supreme 6 to 9 PPT upto 29 PT 0.80
FG Supreme 6 to 9 PPT 30 & above PT 1.20
FG Supreme NROP
FG Supreme 10 & 11 PPT upto 29 PT 1.60
FG Supreme 10 & 11 PPT 30 & above PT 2.40
FG Supreme 12 PPT upto 29 PT 2.00
FG Supreme 12 PPT 30 & above PT 2.00
FGRR 5 to 8 Pay 1.20
FGRR
FGRR 9 Pay + 1.60
Riders Inividual Rider 5.60
Gold Income Plan All Pay 1.60
8 Pay 2.40
Guaranteed Monthly Income Plan
Others 1.60
COMBO SSS 0.52
MahaLife Gold All Pay 1.60
Immediate Annuity 1.20
Smart Annuity Plan
Saral Pension 0.80

Online product EP Weightages: -

Product Name PPT Base EP

FGP Option 1 LP PPT_10-11 IT_20 2.40
FGP Option 1 LP PPT_10-11 IT_25-30 1.60
FGP Option 1 LP PPT_10-11 IT_35-45 2.00
FGP Option 1 LP PPT_12 IT_20 3.20
FGP Option 1 LP PPT_12 IT_25-30 2.40
Fortune Guarantee Plus Online
FGP Option 1 LP PPT_12 IT_35-45 2.80
FGP Option 1 LP PPT_5-6 IT_20 1.20
FGP Option 1 LP PPT_5-6 IT_25-30 1.20
FGP Option 1 LP PPT_5-6 IT_35-45 1.60
FGP Option 1 LP PPT_7-9 IT_20 0.80
 FGP Option 1 LP PPT_7-9 IT_25-30 0.40
FGP Option 1 LP PPT_7-9 IT_35-45 1.20
FGP Option 1 RP PPT_10-11 IT_20 2.40
FGP Option 1 RP PPT_10-11 IT_25-30 1.20
FGP Option 1 RP PPT_10-11 IT_35-45 1.20
FGP Option 1 RP PPT_12 IT_20 2.00
FGP Option 1 RP PPT_12 IT_25-30 1.60
FGP Option 1 RP PPT_12 IT_35-45 2.40
FGP Option 1 RP PPT_5-6 IT_20 1.20
FGP Option 1 RP PPT_5-6 IT_25-30 0.80
FGP Option 1 RP PPT_5-6 IT_35-45 1.60
FGP Option 1 RP PPT_7-9 IT_20 1.20
FGP Option 1 RP PPT_7-9 IT_25-30 0.80
FGP Option 1 RP PPT_7-9 IT_35-45 1.20
FGP Option 2 RP PPT_10-11 IT_25-30 0.10
FGP Option 2 RP PPT_5-6 IT_20-30 0.10
FG Supreme PPT 5-6 IT_20 0.10
FG Supreme PPT 5-6 IT_25-30 0.10
FG Supreme PPT 5-6 IT_35-45 0.10
FG Supreme PPT 7-9 IT_20 0.40
FG Supreme PPT 7-9 IT_25-35 0.40
FG Supreme PPT 7-9 IT_35-45 0.80
FG Supreme Deferred Online
FG Supreme PPT 10-11 IT_20 0.80
FG Supreme PPT 10-11 IT_25-35 0.80
FG Supreme PPT 10-11 IT_35-45 0.80
FG Supreme PPT 12 IT_20 0.80
FG Supreme PPT 12 IT_25-35 0.80
FG Supreme PPT 12 IT_35-45 0.80
FG Supreme 5 PPT upto 29 PT 0.40
FG Supreme 5 PPT 30 & above PT 0.80
FG Supreme 6 to 9 PPT upto 29 PT 1.20
FG Supreme 6 to 9 PPT 30 & above PT 1.20
FG Supreme Immediate Online
FG Supreme 10 & 11 PPT upto 29 PT 1.60
FG Supreme 10 & 11 PPT 30 & above PT 2.00
FG Supreme 12 PPT upto 29 PT 2.40
FG Supreme 12 PPT 30 & above PT 2.00

Non FTR cases will get 85% of above EP Multiple.

(Non- FTR for the purpose of sales initiatives (Perks, Goalsheet & RNR) will exclude cases pending only
for CH approval or SP addendum or eCDF-submitted within T+1 days)