Creating your personalised plan
Unit linked Insurance products do not offer any liquidity during the first five years of the contract. The Policyholder will not be able to surrender/withdraw the monies invested in unit linked insurance products completely or partially till the end of the fifth year.
IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
Your Retirement, Your Way!
Tax-free* accumulated amount
for 10 years
after 30th year
^Past performance is not indicative of future performance.
₹3.31 Lakh Croreb
assets under management as on December 31, 2025
100% digital onboarding
Quick, secure and hassle-free online onboarding
₹3.34 Lakh Crorea
benefits paid till March 31, 2025
25
years
of customers' trust and counting
Talk to your Pension Mitra
Timings 10:00 AM to 07:00 PM
Monday to Saturday
(except national holidays)
Download our Mobile App
24/7 policy servicing on app
Pay premiums, manage funds, download
statements and much more.
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This plan helps retirement fund creation goal savers to invest systematically/ one-time during their earning years and create a meaningful retirement corpus to cover their expenses post retirement. This can help you give a head-start on your retirement and fulfil your goals.
Investing in Pension Multi Cap Growth Fund @16.94%^
Tip:
Stay invested! Let time
grow your wealth.
Minimum: 18 years
Maximum: 75 years
5-15 yrs in Limited/Regular Pay or Single Pay
5 Equity Funds, 2 Balanced Funds and 2 Debt Funds
Up to 60% tax-free* of the accumulated amount on vesting u/s 93(1)
Tax* benefit on premiums paid u/s 123 (read with Schedule XV, Sr. No. 5 ) up to 46,800*
Upto 25% of the Fund Value3
Unlimited fund switches6 between funds in fixed portfolio strategies
Minimum Death Benefit is 105% of the total premiums paid till death
Return of charges4 + on vesting
Yes, option to increase the premium payment term available
Change in premium payment frequency is allowed
Yes
Option to postpone the vesting date of the policy
Waiver of premium applied on death of proposer or/and Critical Ilness
Minimum: 15 years
Maximum: 90 minus Entry age or 72 years
45 years/ 90 years
Rs. 36,000 p.a. (Limited Pay 10-15yrs) for age <= 60 years
Rs. 1,00,000 p.a. (Limited Pay 10-15yrs) for age > 60 years
Rs. 1,00,000 p.a. (Limited Pay 5-9yrs)
Rs. 10,00,000 (Single Pay)
Fund Value including Top-up Fund Value and Pension Booster
Yes, minimum amount to be Rs. 5000
Four every policy year, free of cost
How to maximize your returns
Start Investing Early
Pay premiums timely
Right Asset Allocation
Stay aligned with your goals by reviewing your investments
Keep a younger person as the Life Assured
How the plan works?
One plan, multiple objectives
| Age | Pay for PPT | Policy Term | Corpus Age | Monthly Premium (In Rs) | Corpus Amount | Annuity Payable (100% Annuitised) |
|---|---|---|---|---|---|---|
| 25 Years | 15 years | 35 years | Age 60 | 10,000 | 1.03 Cr @8% / 35.8 L @4% | 7.2 L.p.a @8% / 2.5 L.p.a @4% |
| 30 Years | 15 years | 30 years | Age 60 | 14,000 | 1.05 Cr @8% / 44.2 L @4% | 7.3 L.p.a @8% / 3.1 L.p.a @4% |
| 35 Years | 15 years | 25 years | Age 60 | 19,200 | 1.05 Cr @8% / 53.6 L @4% | 7.3 L.p.a @8% / 3.8 L.p.a @4% |
| 40 Years | 15 years | 20 years | Age 60 | 25,800 | 1.04 Cr @8% / 63.8 L @4% | 7.3 L.p.a @8% / 4.5 L.p.a @4% |
| 45 Years | 15 years | 20 years | Age 65 | 25,800 | 1.04 Cr @8% / 63.8 L @4% | 7.3 L.p.a @8% / 4.5 L.p.a @4% |
Estimated annuity payable on policy vesting (assuming 100% vesting benefit is annuitized) for Single Life with 100% ROP.
Notes: The values shown above are assumed at an annuity rate of 7% are for illustration purpose only. The actual annuity amount receivable depends on the prevailing annuity rates at the time of vesting.
