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HDFC Pension Super

Lead a life of respect and dignity even after retirement

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Objective of the Session :

To Explain the Features , Advantages & Benefits of

HDFC PENSION Super Plan

To give an outline on the Basic charges under HDFC

PENSION Super Plan

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Features of the HDFC Pension Super :

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Fixed S.A. + Fund Value and Policy terminates

On Vesting

Fund Value + Bumper Addition *

NEW

Vesting Date

Up to 1/3rd of total benefit (FV+BA if any) Open Market Option

(one can buy Annuity from us or any other Insurer)

Death

Premium

Pension Payout

* Condition Apply

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Features of the Plan :Minimum Maximum

Entry Age 18 lbd 65 lbd

Term 10 40

Vesting Age 50 75

S.A Rs.1000/- Rs.1000/-

Premium 15000/- (Yly)

8000/- (H.Yly)

2000/- (Mly)

No Specific

Max.Ann.Premium

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Advantages of the Plan :

A. Fund Option :

Liquid Fund II

Stable Managed Fund II

Secure Managed Fund II

Defensive Managed Fund II

Balance Managed Fund II

Equity Managed Fund II

Growth Fund II

STO Allowed

AAO Allowed

OR

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Asset Allocation Option (AAO) :

Cautious Moderate Aggressive

9 years before Vesting Date, Fund from Equity Managed Fund II being switched to Secure Managed Fund II & 6 Years before Vesting Date it is being switched to Stable Managed Fund II

7 years before Vesting Date, Fund from Equity Managed Fund II being switched to Secure Managed Fund II & 3 Years before Vesting Date it is being switched to Stable Managed Fund II

6 years before Vesting Date, Fund from Growth Fund II being switched to Secure Managed Fund II & 3 Years before Vesting Date it is being switched to Stable Managed Fund II

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B. Fund Switch :

24 switches free per policy year, then Rs. 100/- per switch

C. Redirections :

12 redirections free per policy year, then Rs.250/- per redirection

D. Top-up : Minimum : Rs. 10.000/-

Maximum : No Limit

* Condition – All regular Premium to date have been paid

E. Partial Withdrawal :

No Partial Withdrawal

F. Policy Servicing : 6 policy servicing free per policy year, then Rs.250/- per servicing

G. OUT STATION Cheque is accepted with a charge of Rs.250/-

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Benefits of the Plan :

Vesting Benefit : - Fund Value + Bumper Addition (* 50% for 10 years Term 100% for 11+Years Term) & Condition Apply

- You Can take up to 1/3rd of Total Benefit at vesting

as Tax Free Cash lump sum and rest must be

converted to an Annuity.

- You can buy the Annuity from us or any other Insurer

Death Benefit:

Fixed Sum Assured (Rs.1,000/-) + Fund Value

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Premium Allocation Rate

Regular Premium

1st Year 2nd Year 3rd Year 4th Year Onward

15,000 to 1,99,999 85% 90% 95% 97%

2,00,000 to 4,99,999 87.5% 90% 95% 97%

5,00,000 to 19,99,999 90% 90% 95% 97%

20,00,000 + 92% 94% 96% 97%

For Yearly & Half Yearly

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Regular Premium

1st Year 2nd Year 3rd Year 4th Year Onward

15,000 to 1,99,999 80% 85% 95% 97%2,00,000 to 4,99,999 82.50% 85% 95% 97%5,00,000 to 19,99,999 85% 85% 95% 97%

20,00,000 + 87% 89% 96% 97%

For Monthly

Policy Administration Charges :

Rs.50/- Per month. Further will increase 5% on every policy year

Fund Management Charges:

1.25 % per annum

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Surrender Benefit :No.of Original Annualised Regular Premiums not paid in Ist 5 years

Surrender Charge

4 95% of F.V

3 50% of F.V

2 30% of F.V

1 15% of F.V

0 NILNo Surrender Charge will be levied for any policy, surrendered after 5th Policy Anniversary

Tax Benefits :

Sec 80CCC

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Thank You