11-04-2024

Quote No : c5baq2dntba

Benefit Illustration for HDFC Life Click 2 Invest - ULIP

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC
Life Click 2 Invest - ULIP

DETAILS
Proposal No:
Name of the Prospect/Policyholder: Hdfc Name of Product: HDFC Life Click 2 Invest - ULIP
A Unit Linked Non Participating
Age: 25 years* Tag Line:
Life Insurance Plan.
Name of Life Assured: Hdfc Unique Identification No: 101L100V05
Age: 25 years* GST Rate: 18%*
Sum Assured: Rs.312500 Investment Strategy opted for: 100% Equity oriented
Policy Term & Premium Payment Term: 40 year(s) & 1 year(s)
Amount of Instalment Premium: Rs.250000
Mode of payment of Premium: Single
*0% if qualifies as zero-rated supply under GST law

Funds opted for along with their risk level:

Fund Risk Level Fund SFIN Fund Allocation (%)
Equity Plus Fund High ULIF05301/08/13EquityPlus101 0
Diversified Equity Fund High ULIF05501/08/13DivrEqtyFd101 0
Blue Chip Fund High ULIF03501/01/10BlueChipFd101 0
Opportunities Fund High ULIF03601/01/10OpprtntyFd101 0

Balanced Fund Medium ULIF03901/09/10BalancedFd101 0

Flexi Cap Fund Very High ULIF07114/07/23FlexiCapFd101 0
Bond Fund Low ULIF05601/08/13Bond Funds101 0

Discovery Fund High ULIF06618/01/18DiscvryFnd101 0

Equity Advantage Fund High ULIF06723/03/18EqtyAdvtFd101 0
Midcap Momentum Fund High ULIF07317/01/24MidCpMoIdx101 100
How to read and understand this benefit illustration?
This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of charges, may grow over the years of the policy term if the
fund earns a gross return of 8% p.a. or 4% p.a. These rates, i.e., 8% and 4% are assumed only for the purpose of illustrating the flow of benefits if the returns are at this level. It
should not be interpreted that the returns under the plan are going to be either 8% p.a. or 4% p.a.
Net Yield mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, morbidity charges, underwriting extra, if any,
guarantee charges and cost of riders, if deducted by cancellation of units. It demonstrates the impact of charges exclusive of taxes on the net yield. Please note that the mortality
charges per thousand sum assured in general, increases with age.
The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, morbidity, underwriting extra, cost of riders, etc. The investment risk in
this policy is borne by the policyholder, hence, for more details on terms and conditions please read sales literature carefully.
Part A of this statement presents a summary view of year-by-year charges deducted under the policy, fund value, surrender value and the death benefit, at two assumed rates of
return. Part B of this statement presents a detailed break-up of the charges, and other values.

Premium Summary
PP PP Total
Base Plan CI Rider IB Rider PP Rider (PAC) Rider Rider Instalment
(ADC) (CC) Premium

Instalment Premium without GST 2,50,000 0 0 0 0 0 250000

Instalment Premium with First Year GST 2,50,000 0 0 0 0 0 250000

Instalment Premium with GST 2nd Year Onwards 2,50,000 0 0 0 0 0 250000

PART A
At 4% Gross Investment Return At 8% Gross Investment Return

Annualized Commission
Policy year Mortality, Fund at Mortality, Fund at
Premium Other Surrender Death Other Surrender Death Payable to
Morbidity GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit Intermediary
Charges Year Charges Year
(Rs)
(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15)

1 2,50,000 59 3,420 626 2,55,820 2,55,820 3,12,500 55 3,491 638 2,65,666 2,65,666 3,12,500 5,000

2 0 54 3,500 640 2,61,784 2,61,784 3,12,500 39 3,710 675 2,82,336 2,82,336 3,12,500 0
3 0 48 3,581 653 2,67,894 2,67,894 3,12,500 22 3,943 714 3,00,077 3,00,077 3,12,500 0

4 0 42 3,665 667 2,74,156 2,74,156 3,12,500 5 4,191 755 3,18,955 3,18,955 3,18,955 0

5 0 37 3,751 682 2,80,572 2,80,572 3,12,500 0 4,455 802 3,39,026 3,39,026 3,39,026 0
6 0 31 3,839 696 2,87,146 2,87,146 3,12,500 0 4,735 852 3,60,361 3,60,361 3,60,361 0

7 0 24 3,929 711 2,93,883 2,93,883 3,12,500 0 5,033 906 3,83,039 3,83,039 3,83,039 0

8 0 17 4,021 727 3,00,787 3,00,787 3,12,500 0 5,350 963 4,07,143 4,07,143 4,07,143 0
9 0 10 4,115 743 3,07,862 3,07,862 3,12,500 0 5,687 1,024 4,32,765 4,32,765 4,32,765 0

10 0 2 4,212 759 3,15,114 3,15,114 3,15,114 0 6,044 1,088 4,59,999 4,59,999 4,59,999 0

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 At 4% Gross Investment Return At 8% Gross Investment Return

Annualized Commission
Policy year Mortality, Fund at Mortality, Fund at
Premium Other Surrender Death Other Surrender Death Payable to
Morbidity GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit Intermediary
Charges Year Charges Year
(Rs)
(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15)

11 0 0 4,312 776 3,22,538 3,22,538 3,22,538 0 6,425 1,156 4,88,946 4,88,946 4,88,946 0

12 0 0 4,413 794 3,30,138 3,30,138 3,30,138 0 6,829 1,229 5,19,716 5,19,716 5,19,716 0
13 0 0 4,517 813 3,37,917 3,37,917 3,37,917 0 7,259 1,307 5,52,421 5,52,421 5,52,421 0

14 0 0 4,624 832 3,45,879 3,45,879 3,45,879 0 7,716 1,389 5,87,185 5,87,185 5,87,185 0

15 0 0 4,732 852 3,54,028 3,54,028 3,54,028 0 8,201 1,476 6,24,137 6,24,137 6,24,137 0
16 0 0 4,844 872 3,62,370 3,62,370 3,62,370 0 8,717 1,569 6,63,413 6,63,413 6,63,413 0

17 0 0 4,958 892 3,70,908 3,70,908 3,70,908 0 9,266 1,668 7,05,162 7,05,162 7,05,162 0

18 0 0 5,075 913 3,79,648 3,79,648 3,79,648 0 9,849 1,773 7,49,538 7,49,538 7,49,538 0
19 0 0 5,194 935 3,88,593 3,88,593 3,88,593 0 10,469 1,884 7,96,706 7,96,706 7,96,706 0

20 0 0 5,317 957 3,97,749 3,97,749 3,97,749 0 11,127 2,003 8,46,843 8,46,843 8,46,843 0
21 0 0 5,442 980 4,07,121 4,07,121 4,07,121 0 11,828 2,129 9,00,134 9,00,134 9,00,134 0

22 0 0 5,570 1,003 4,16,713 4,16,713 4,16,713 0 12,572 2,263 9,56,780 9,56,780 9,56,780 0

23 0 0 5,702 1,026 4,26,532 4,26,532 4,26,532 0 13,363 2,405 10,16,990 10,16,990 10,16,990 0
24 0 0 5,836 1,050 4,36,582 4,36,582 4,36,582 0 14,204 2,557 10,80,989 10,80,989 10,80,989 0

25 0 0 5,973 1,075 4,46,869 4,46,869 4,46,869 0 15,098 2,718 11,49,015 11,49,015 11,49,015 0
26 0 0 6,114 1,101 4,57,398 4,57,398 4,57,398 0 16,048 2,889 12,21,323 12,21,323 12,21,323 0

27 0 0 6,258 1,126 4,68,175 4,68,175 4,68,175 0 17,058 3,070 12,98,180 12,98,180 12,98,180 0

28 0 0 6,406 1,153 4,79,207 4,79,207 4,79,207 0 18,131 3,264 13,79,875 13,79,875 13,79,875 0

29 0 0 6,557 1,180 4,90,498 4,90,498 4,90,498 0 19,272 3,469 14,66,710 14,66,710 14,66,710 0

30 0 0 6,711 1,208 5,02,055 5,02,055 5,02,055 0 20,485 3,687 15,59,010 15,59,010 15,59,010 0
31 0 0 6,869 1,236 5,13,884 5,13,884 5,13,884 0 21,774 3,919 16,57,118 16,57,118 16,57,118 0

32 0 0 7,031 1,266 5,25,992 5,25,992 5,25,992 0 23,145 4,166 17,61,400 17,61,400 17,61,400 0

33 0 0 7,197 1,295 5,38,386 5,38,386 5,38,386 0 24,601 4,428 18,72,245 18,72,245 18,72,245 0

34 0 0 7,366 1,326 5,51,071 5,51,071 5,51,071 0 26,149 4,707 19,90,065 19,90,065 19,90,065 0

35 0 0 7,540 1,357 5,64,056 5,64,056 5,64,056 0 27,795 5,003 21,15,300 21,15,300 21,15,300 0

36 0 0 7,718 1,389 5,77,346 5,77,346 5,77,346 0 29,544 5,318 22,48,415 22,48,415 22,48,415 0
37 0 0 7,899 1,422 5,90,950 5,90,950 5,90,950 0 31,403 5,653 23,89,908 23,89,908 23,89,908 0

38 0 0 8,086 1,455 6,04,874 6,04,874 6,04,874 0 33,379 6,008 25,40,305 25,40,305 25,40,305 0

39 0 0 8,276 1,490 6,19,126 6,19,126 6,19,126 0 35,480 6,386 27,00,166 27,00,166 27,00,166 0

40 0 0 8,471 1,525 6,33,714 6,33,714 6,33,714 0 37,713 6,788 28,70,087 28,70,087 28,70,087 0

*See Part B for details.

IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATIVE PURPOSE.

I , have explained the premiums charges and benefits under the product fully to the I Hdfc ,having received the information with respect to the above, have understood the
prospect / policy holder. above statement before entering into the contract.

Place:

Date: Signature of Agent /Intermediary / Official Date: Signature of Prospect / Policyholder

PART B
Gross
8% p.a Net Yield 6.55% Amount in Rupees
Yield

Annualized
Premium Premium
Annualized Allocation -Premium Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge Allocation GST FMC
Charge Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge

(PAC) (AP)-(PAC)
1 2,50,000 0 2,50,000 55 638 0 0 0 0 2,66,019 3,491 2,65,666 2,65,666 3,12,500

2 0 0 0 39 675 0 0 0 0 2,82,712 3,710 2,82,336 2,82,336 3,12,500

3 0 0 0 22 714 0 0 0 0 3,00,475 3,943 3,00,077 3,00,077 3,12,500

4 0 0 0 5 755 0 0 0 0 3,19,378 4,191 3,18,955 3,18,955 3,18,955

5 0 0 0 0 802 0 0 0 0 3,39,477 4,455 3,39,026 3,39,026 3,39,026

6 0 0 0 0 852 0 0 0 0 3,60,840 4,735 3,60,361 3,60,361 3,60,361

7 0 0 0 0 906 0 0 0 0 3,83,548 5,033 3,83,039 3,83,039 3,83,039

8 0 0 0 0 963 0 0 0 0 4,07,684 5,350 4,07,143 4,07,143 4,07,143

9 0 0 0 0 1,024 0 0 0 0 4,33,340 5,687 4,32,765 4,32,765 4,32,765

10 0 0 0 0 1,088 0 0 0 0 4,60,610 6,044 4,59,999 4,59,999 4,59,999

11 0 0 0 0 1,156 0 0 0 0 4,89,596 6,425 4,88,946 4,88,946 4,88,946

12 0 0 0 0 1,229 0 0 0 0 5,20,406 6,829 5,19,716 5,19,716 5,19,716

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 Gross
8% p.a Net Yield 6.55% Amount in Rupees
Yield

Annualized
Premium Premium
Annualized Allocation -Premium Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge Allocation GST FMC
Charge Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge
(PAC) (AP)-(PAC)

13 0 0 0 0 1,307 0 0 0 0 5,53,155 7,259 5,52,421 5,52,421 5,52,421

14 0 0 0 0 1,389 0 0 0 0 5,87,965 7,716 5,87,185 5,87,185 5,87,185

15 0 0 0 0 1,476 0 0 0 0 6,24,966 8,201 6,24,137 6,24,137 6,24,137

16 0 0 0 0 1,569 0 0 0 0 6,64,295 8,717 6,63,413 6,63,413 6,63,413

17 0 0 0 0 1,668 0 0 0 0 7,06,099 9,266 7,05,162 7,05,162 7,05,162

18 0 0 0 0 1,773 0 0 0 0 7,50,534 9,849 7,49,538 7,49,538 7,49,538

19 0 0 0 0 1,884 0 0 0 0 7,97,764 10,469 7,96,706 7,96,706 7,96,706

20 0 0 0 0 2,003 0 0 0 0 8,47,968 11,127 8,46,843 8,46,843 8,46,843

21 0 0 0 0 2,129 0 0 0 0 9,01,330 11,828 9,00,134 9,00,134 9,00,134

22 0 0 0 0 2,263 0 0 0 0 9,58,051 12,572 9,56,780 9,56,780 9,56,780

23 0 0 0 0 2,405 0 0 0 0 10,18,341 13,363 10,16,990 10,16,990 10,16,990

24 0 0 0 0 2,557 0 0 0 0 10,82,425 14,204 10,80,989 10,80,989 10,80,989

25 0 0 0 0 2,718 0 0 0 0 11,50,542 15,098 11,49,015 11,49,015 11,49,015

26 0 0 0 0 2,889 0 0 0 0 12,22,945 16,048 12,21,323 12,21,323 12,21,323

27 0 0 0 0 3,070 0 0 0 0 12,99,905 17,058 12,98,180 12,98,180 12,98,180

28 0 0 0 0 3,264 0 0 0 0 13,81,708 18,131 13,79,875 13,79,875 13,79,875

29 0 0 0 0 3,469 0 0 0 0 14,68,659 19,272 14,66,710 14,66,710 14,66,710

30 0 0 0 0 3,687 0 0 0 0 15,61,081 20,485 15,59,010 15,59,010 15,59,010

31 0 0 0 0 3,919 0 0 0 0 16,59,320 21,774 16,57,118 16,57,118 16,57,118

32 0 0 0 0 4,166 0 0 0 0 17,63,741 23,145 17,61,400 17,61,400 17,61,400

33 0 0 0 0 4,428 0 0 0 0 18,74,733 24,601 18,72,245 18,72,245 18,72,245

34 0 0 0 0 4,707 0 0 0 0 19,92,709 26,149 19,90,065 19,90,065 19,90,065

35 0 0 0 0 5,003 0 0 0 0 21,18,110 27,795 21,15,300 21,15,300 21,15,300

36 0 0 0 0 5,318 0 0 0 0 22,51,403 29,544 22,48,415 22,48,415 22,48,415

37 0 0 0 0 5,653 0 0 0 0 23,93,083 31,403 23,89,908 23,89,908 23,89,908

38 0 0 0 0 6,008 0 0 0 0 25,43,680 33,379 25,40,305 25,40,305 25,40,305

39 0 0 0 0 6,386 0 0 0 0 27,03,753 35,480 27,00,166 27,00,166 27,00,166

40 0 0 0 0 6,788 0 0 0 0 28,73,900 37,713 28,70,087 28,70,087 28,70,087

Gross
4% p.a Amount in Rupees
Yield

Annualized
Premium Premium
Annualized Allocation -Premium Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge Allocation GST FMC
Charge Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge
(PAC) (AP)-(PAC)
1 2,50,000 0 2,50,000 59 626 0 0 0 0 2,56,160 3,420 2,55,820 2,55,820 3,12,500

2 0 0 0 54 640 0 0 0 0 2,62,132 3,500 2,61,784 2,61,784 3,12,500

3 0 0 0 48 653 0 0 0 0 2,68,250 3,581 2,67,894 2,67,894 3,12,500

4 0 0 0 42 667 0 0 0 0 2,74,520 3,665 2,74,156 2,74,156 3,12,500

5 0 0 0 37 682 0 0 0 0 2,80,945 3,751 2,80,572 2,80,572 3,12,500
6 0 0 0 31 696 0 0 0 0 2,87,528 3,839 2,87,146 2,87,146 3,12,500

7 0 0 0 24 711 0 0 0 0 2,94,273 3,929 2,93,883 2,93,883 3,12,500

8 0 0 0 17 727 0 0 0 0 3,01,186 4,021 3,00,787 3,00,787 3,12,500

9 0 0 0 10 743 0 0 0 0 3,08,271 4,115 3,07,862 3,07,862 3,12,500

10 0 0 0 2 759 0 0 0 0 3,15,532 4,212 3,15,114 3,15,114 3,15,114
11 0 0 0 0 776 0 0 0 0 3,22,967 4,312 3,22,538 3,22,538 3,22,538

12 0 0 0 0 794 0 0 0 0 3,30,577 4,413 3,30,138 3,30,138 3,30,138

13 0 0 0 0 813 0 0 0 0 3,38,366 4,517 3,37,917 3,37,917 3,37,917

14 0 0 0 0 832 0 0 0 0 3,46,338 4,624 3,45,879 3,45,879 3,45,879

15 0 0 0 0 852 0 0 0 0 3,54,499 4,732 3,54,028 3,54,028 3,54,028

16 0 0 0 0 872 0 0 0 0 3,62,852 4,844 3,62,370 3,62,370 3,62,370

17 0 0 0 0 892 0 0 0 0 3,71,401 4,958 3,70,908 3,70,908 3,70,908
18 0 0 0 0 913 0 0 0 0 3,80,152 5,075 3,79,648 3,79,648 3,79,648

19 0 0 0 0 935 0 0 0 0 3,89,109 5,194 3,88,593 3,88,593 3,88,593

20 0 0 0 0 957 0 0 0 0 3,98,277 5,317 3,97,749 3,97,749 3,97,749

21 0 0 0 0 980 0 0 0 0 4,07,662 5,442 4,07,121 4,07,121 4,07,121

22 0 0 0 0 1,003 0 0 0 0 4,17,267 5,570 4,16,713 4,16,713 4,16,713
23 0 0 0 0 1,026 0 0 0 0 4,27,099 5,702 4,26,532 4,26,532 4,26,532

24 0 0 0 0 1,050 0 0 0 0 4,37,162 5,836 4,36,582 4,36,582 4,36,582

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 Gross
4% p.a Amount in Rupees
Yield
Annualized
Premium Premium
Annualized Allocation -Premium Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge Allocation GST FMC
Charge Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge
(PAC) (AP)-(PAC)
25 0 0 0 0 1,075 0 0 0 0 4,47,463 5,973 4,46,869 4,46,869 4,46,869

26 0 0 0 0 1,101 0 0 0 0 4,58,006 6,114 4,57,398 4,57,398 4,57,398

27 0 0 0 0 1,126 0 0 0 0 4,68,797 6,258 4,68,175 4,68,175 4,68,175

28 0 0 0 0 1,153 0 0 0 0 4,79,843 6,406 4,79,207 4,79,207 4,79,207

29 0 0 0 0 1,180 0 0 0 0 4,91,149 6,557 4,90,498 4,90,498 4,90,498

30 0 0 0 0 1,208 0 0 0 0 5,02,722 6,711 5,02,055 5,02,055 5,02,055

31 0 0 0 0 1,236 0 0 0 0 5,14,567 6,869 5,13,884 5,13,884 5,13,884
32 0 0 0 0 1,266 0 0 0 0 5,26,691 7,031 5,25,992 5,25,992 5,25,992

33 0 0 0 0 1,295 0 0 0 0 5,39,101 7,197 5,38,386 5,38,386 5,38,386

34 0 0 0 0 1,326 0 0 0 0 5,51,804 7,366 5,51,071 5,51,071 5,51,071

35 0 0 0 0 1,357 0 0 0 0 5,64,805 7,540 5,64,056 5,64,056 5,64,056

36 0 0 0 0 1,389 0 0 0 0 5,78,113 7,718 5,77,346 5,77,346 5,77,346
37 0 0 0 0 1,422 0 0 0 0 5,91,735 7,899 5,90,950 5,90,950 5,90,950

38 0 0 0 0 1,455 0 0 0 0 6,05,677 8,086 6,04,874 6,04,874 6,04,874

39 0 0 0 0 1,490 0 0 0 0 6,19,948 8,276 6,19,126 6,19,126 6,19,126

40 0 0 0 0 1,525 0 0 0 0 6,34,556 8,471 6,33,714 6,33,714 6,33,714

*Specify details if any,

Notes:

1. Refer the sales literature for explanation of terms used in this illustration.
2. Fund management charge is based on the specific fund option(s) chosen.
3. In case rider charges are collected explicitly through collection of rider premium, and not by way of cancellation of units, then, such charges are not considered in this illustration.
In other cases, rider charges are included in other charges.

I , have explained the premiums charges and benefits under the product fully to the I Hdfc ,having received the information with respect to the above, have understood the
prospect / policy holder. above statement before entering into the contract.

Place:

Date: Signature of Agent /Intermediary / Official Date: Signature of Prospect / Policyholder

Channel Name : Agency

Note: Kindly note that name of the company has changed from "HDFC Standard Life Insurance Company Limited" to "HDFC Life Insurance Company Limited".

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