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HDFC Life Sanchay Fixed Maturity Plan-Review (2023): Is it Good or Bad?

by Holistic Leave a Comment | Filed Under: Insurance

Listen to this article


Do you have a list of Milestones or Dreams in your life?

To achieve these milestones, you need to be financially stable. But life is unpredictable & uncertain.

“HDFC Life Sanchay Fixed Maturity Plan”, is a life insurance plan that promises to provide guaranteed returns in the form of a lump sum benefit to help you attain your milestones.

Will the HDFC Sanchay Fixed Maturity plan secure yourself & your loved one’s future with the guaranteed benefit?

Let us first understand the plan’s features & benefits in detail.

Table of Contents

1.) What is HDFC Life Sanchay Fixed Maturity Plan?

2.) Features of HDFC Life Sanchay Fixed Maturity Plan

3.) Eligibility Criteria of HDFC Life Sanchay Fixed Maturity Plan

4.) Benefits of HDFC Life Sanchay Fixed Maturity Plan

5.) How to cancel/surrender HDFC Life Sanchay Fixed Maturity Plan?

6.) Advantages of HDFC Life Sanchay Fixed Maturity Plan

8.) Disadvantages of HDFC Life Sanchay Fixed Maturity Plan

7.) Research Methodology on HDFC Life Sanchay Fixed Maturity Plan

9.) Analysis of Benefit Illustration of HDFC Life Sanchay Fixed Maturity Plan

10.) HDFC Life Sanchay Fixed Maturity Plan vs. Other Investments

11.) Final Verdict on HDFC Life Sanchay Fixed Maturity Plan

What is HDFC Life Sanchay Fixed Maturity Plan?

It is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan. It aims to ensure you and your loved ones are financially protected.
Hdfc Life Sanchay Fixed Maturity Plan offers a guaranteed maturity benefit payable as a Lump Sum at the end of the policy. This plan can be used for various life stage needs such as a child’s education, marriage, retirement corpus as well as financially securing loved ones.

Features Of HDFC Life Sanchay Fixed Maturity Plan:

  • Option to choose cover on Single life or Joint life basis.
  • Option to pay Regular premium / Limited premium / Single premium.
  • A wide range of policy terms to choose from 5 years to 40 years.
  • Guaranteed benefit at the of the policy term.
  • Rider options enhance the life cover.
  • Under the POS variant of the product, a medical examination is not required.
  • A higher premium will enhance the benefit.

Eligibility Criteria of HDFC Life Sanchay Fixed Maturity Plan:

Eligibility criteria

Minimum Maximum
  Single life Joint life Single life Joint life
Age at entry (years)

 

 

 

 

90 days

 

 

 

 

90 days

 

 

 

 

Single Premium:

Death Benefit Multiple (DBM) 1.25-1.5 – 70 years

Death Benefit Multiple (DBM) 10 – 50 years

Single Premium: 60 years 
Regular/Limited Pay: 65 years Maximum 

Regular/Limited Pay: NA

   
Age at maturity (years)

 

 

 

 

18 Years

 

 

 

 

 

 

 

 

Single life Joint life

Single Premium:

Death Benefit Multiple (DBM) 1.25-1.5 – 90 years

Death Benefit Multiple (DBM) 10 – 70 years

Single Premium: 80 years 

Regular/Limited Pay: 85 years Maximum 

Regular/Limited Pay: NA

Premium paying term & Policy term

 

 

 

 

 

 

 

 

 

Premium paying term

 

Policy term

 

Single premium

5 to 40 years

 

5

PPT to 40 years

 

 

 

 

 

 

 

 

6
7
8
10
12
15
20
 

Premium per instalment

 Single Premium: 10,000

Annual:  10,000

Half-yearly: 5,100

Quarterly: 2,600

Monthly:  875

 

 No maximum limit, subject to Board Approved Underwriting Policy

 

Sum assured on death

Single Premium:  12,500

 Regular/Limited Pay:  70,000

No maximum limit, subject to Board Approved Underwriting Policy

Some of the criteria have slight variations for policies under the POS variant.

Benefits of HDFC Life Sanchay Fixed Maturity Plan:

Death benefit:

Death benefit Multiple (DBM)

For Single premium: Single life – 1.5 to 1.25 * DBM / Joint Life – 1.5 to 1.25 or 10 – 15 * DBM

For Regular pay: 10 * DBM

Single Life Coverage:

The death benefit payable to the nominee under a Single Life policy shall be the highest of the following:

  • Sum Assured on Death
  • Death Benefit Multiple (as chosen by the policyholder) times Single Premium (plus any underwriting extra premium) for a Single Pay policy OR 10 times Annual Premium for a Regular/Limited Pay policy
  • 105% of Total Premiums Paid till the date of death
  • Surrender value applicable as of the date of death
  • Upon the payment of the death benefit, the policy terminates and no further benefits are payable.

Joint Life Coverage:

First death: The death benefit shall be payable on the first death of any of the lives assured.

The death benefit will be the higher of the following

  • Sum Assured on Death
  • 105% of Total Premiums paid till the date of death

Upon the payment of this benefit on the first death, the policy continues for the surviving life assured.

Second death: The death benefit payable on the second death (i.e. the death of the surviving life assured)shall be the highest of the following:

  • Sum Assured on Death
  • Death Benefit Multiple (as chosen by the policyholder) times Single Premium (plus any underwriting extra premium)
  • 105% of Total Premiums paid till the date of death
  • Surrender value applicable as of the date of death

Upon the payment of this benefit on the second death, the policy will terminate and the policyholder will not get any further benefit.

Maturity Benefit:

Guaranteed maturity benefit (also called Sum assured on maturity) is payable as a lump sum at the end of the policy.

Sum assured on Maturity = Annualised premium / Single premium * GMM

Guaranteed Maturity Multiple (GMM) varies by age and premium payment term

Once the Maturity Benefit is paid, the policy terminates and no further benefits are payable.

Other benefits of HDFC Life Sanchay Fixed Maturity Plan:

Riders:

  • HDFC Life Income Benefit on Accidental Disability Rider
  • HDFC Life Critical Illness Plus Rider
  • HDFC Life Protect Plus Rider

Premium paying frequency:

The premium payable at other than Annual frequency shall be calculated by multiplying the Annual Premium by Conversion Factors as below:

Frequency   Conversion factor
Half-yearly  0.51
Quarterly  0.26
Monthly  0.0875

The grace period, Lapse, Paid-up & Revival:

Grace period:

For the Regular/ Limited Premium payment term you get a grace period of 15 days for the monthly frequency of premium payment and 30 days for other frequencies to pay the premium without any penalty.

Lapse & Paid-up

The policy shall acquire a Guaranteed Surrender Value (cash value) immediately on the payment of a Single Premium and payment of at least the first two year’s premium in case of a Regular/ Limited Pay policy.

Lapse:

If a due premium is unpaid upon the expiry of the grace period, the policy shall lapse if it has not acquired a Guaranteed Surrender Value/span>

Paid-up value:

If a due premium is unpaid upon the expiry of the grace period, the policy shall become reduced paid-up if it has acquired a Guaranteed Surrender Value.

Maturity benefit & Death benefit shall be reduced as Paid-up Sum assured on maturity & Paid-up Sum assured on death proportionate to the number of premiums paid to the number of premiums payable under the policy.

Revival:

You can revive your lapsed/paid-up policy within five years from the due date of the first unpaid Premium and before the expiry of the Policy Term.

How to cancel/surrender HDFC Life Sanchay Fixed Maturity Plan?

Surrendering HDFC Life Sanchay Fixed Maturity Plan:

The policy shall acquire a Guaranteed Surrender Value (GSV) immediately on the payment of a Single Premium and payment of the first two year’s premium in case of a Regular/ Limited Pay policy.

The surrender value payable shall be higher than the GSV and the Special Surrender Value (SSV).
Upon payment of the Surrender Benefit, the policy will terminate and no further benefits shall be payable.

Cancelling during the Free look period:

In case the policyholder is not agreeable to any policy terms and conditions under this product, shall have the option of returning the policy, within 15 days (Distance Marketing mode, this period will be 30 days) from the date of receipt of the policy.

Advantages of HDFC Life Sanchay Fixed Maturity Plan:

  • Flexibility in choosing the premium paying term & Policy term
  • Joint life option under single premium pay
  • Riders to enhance the cover
  • Guaranteed benefits can be earmarked for any of the life goals.
  • Tax benefit as per Sec 80 C & Sec 10 (10 D).
  • No complex terms for calculating the benefits.

Disadvantages of HDFC Life Sanchay Fixed Maturity Plan:

  • There is no loan option available under this plan.
  • The lock-in period is 2 years for surrender or making it paid up.
  • There is no loyalty addition or any other benefits added to the maturity benefit.
  • The return on investment won’t be an inflation-beating return.

Research Methodology on HDFC Life Sanchay Fixed Maturity Plan:

Since we have to go through all the important details that we need to know about HDFC Life Sanchay Fixed Maturity Plan, now let me ask you a question.

Do you think you can purchase a plan based on these basic details?

Yes, for me these details are not sufficient to decide whether we should buy this plan or not.

That’s why now we are going to analyse the IRR of HDFC Life Sanchay Fixed Maturity Plan to see how it can benefit us in the long term.

Here I will analyse by calculating the IRR with the online calculator provided by HDFC Life Sanchay Fixed Maturity Plan.

Then, we are going to use the same value to calculate the IRR of other investments.

Later, we are going to compare the HDFC Life Sanchay Fixed Maturity Plan with other investments to see which gives us a better return.

This can help us to decide whether we should purchase this plan or not.

Analysis of Benefit Illustration of HDFC Life Sanchay Fixed Maturity Plan:

We can work out the IRR for the following illustration to find out whether this plan is beneficial to the investor.

Male 40 years
Annual premium Rs. 1 lakh
Premium paying term 15 years
Policy term 20 years
Sum Assured on death Rs. 10 lakhs
Sum Assured on Maturity Rs. 30,68,890
    HDFC Sanchay Fixed maturity Plan
Age  Year Annualised premium / Maturity benefit Death benefit
41 1 -1,00,000 10,00,000
42 2 -1,00,000 10,00,000
43 3 -1,00,000 10,00,000
44 4 -1,00,000 10,00,000
45 5 -1,00,000 10,00,000
46 6 -1,00,000 10,00,000
47 7 -1,00,000 10,00,000
48 8 -1,00,000 10,00,000
49 9 -1,00,000 10,00,000
50 10 -1,00,000 10,00,000
51 11 -1,00,000 10,00,000
52 12 -1,00,000 10,00,000
53 13 -1,00,000 10,00,000
54 14 -1,00,000 10,00,000
55 15 -1,00,000 10,00,000
56 16 0 10,00,000
57 17 0 10,00,000
58 18 0 10,00,000
59 19 0 10,00,000
60 20 0 10,00,000
    30,68,890  
       
  IRR 5.45%  

The IRR works out to be 5.45% which is similar to bank FD. Also locking funds for a longer period at this rate is not advisable. Any investment should give at least an inflation-beating return.

HDFC Life Sanchay Fixed Maturity Plan vs. Other Investments:

In order to have an inflation-beating return, we shouldn’t mix up insurance & investment. 

A separate term policy for life cover & investment separately for life goals.

Let us assume a similar annual cash flow of Rs. 1 lakh as in the above illustration. We can also assume a term cover for Rs. 10 lakhs (In general life cover is for a higher sum assured). For comparison purposes, we have assumed the same premium paying term & policy term.

Pure term insurance policy:

Sum Assured: Rs. 10 lakhs

Annual premium: Rs 7000

Tenure: 15 years

Balance Amount to be invested in PPF / ELSS: Rs 93000 (1 Lakh less 7000)

HDFC Sanchay Fixed Maturity Plan Vs. PPF vs. ELSS:

    HDFC Sanchay Fixed maturity Plan Term Insurance + PPF Term insurance + ELSS
Age  Year Annualised premium / Maturity benefit Death benefit Term Insurance premium + PPF Death benefit Term Insurance premium + ELSS Death benefit
41 1 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
42 2 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
43 3 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
44 4 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
45 5 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
46 6 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
47 7 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
48 8 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
49 9 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
50 10 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
51 11 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
52 12 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
53 13 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
54 14 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
55 15 -1,00,000 10,00,000 -1,00,000 10,00,000 -1,00,000 10,00,000
56 16 0 10,00,000 0   0  
57 17 0 10,00,000 0   0  
58 18 0 10,00,000 0   0  
59 19 0 10,00,000 0   0  
60 20 0 10,00,000 0   0  
    30,68,890   35,54,204   63,08,443  
               
  IRR 5.45%   6.55%   10.85%  

  1. The above table clearly depicts that the PPF or ELSS investment gives a better return. All these returns are post-tax returns. Based on your risk appetite you can choose an investment vehicle for wealth accumulation. For a risk-averse investor, PPF would be a better option & someone who can take risks can opt for ELSS.

Final Verdict on HDFC Sanchay Fixed Maturity Plan:

 The HDFC Sanchay Fixed Maturity plan is an endowment plan with guaranteed lumpsum benefit payable on maturity. The maturity benefit is a straightforward benefit without any addition like loyalty addition or any other benefit. 

The maturity benefit is a meagre amount, so meeting life goals would be elusive due to inflation. 

Pure term insurance with adequate life cover should be in place before starting wealth accumulation. Start investing based on the risk appetite, time horizon the goal. 

Asset allocation should also be given importance while selecting your investment product. Thereby, you get an inflation-beating return which will help in achieving all your life goals.

If you have any comments or questions, write them in the comment box below.

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Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Google Reviews

Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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