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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on +44 7831 065557 or visit the nearest Metra Trust branch for further queries.

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HDFC Life Sanchay Fixed Maturity Plan - Eligibility

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 Single Premium: 60 years
      Death Benefit Multiple (DBM) 10 50 years
      Regular/Limited Pay: 65 years Regular/Limited Pay: NA
Age at Maturity (years) 18 years Single premium Single Premium: 80 years
Death Benefit Multiple (DBM) 1.25-1.5 70 years  90 years
Death Benefit Multiple (DBM) 10 70 years
Regular/Limited Pay: 85 years Regular/Limited Pay: NA
Premium Paying Term (PPT) and Policy Term (PT) Premium Paying Term (in years) Policy Term (in years)
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  No maximum limit, subject to Board Approved Underwriting Policy
(in rupees) Annual: 10,000 
  Half yearly: 5,100 
  Quarterly: 2,600 
  Monthly: 875
Sum Assured on Death (in rupees) Single Premium:  12,500 Regular/Limited Pay: 70,000 No maximum limit, subject to Board Approved Underwriting Policy


All ages mentioned above are age last birthday. Risk cover starts from date of commencement of policy for all lives including minors. In case of a minor life, the policy will vest on the Life Assured on attainment of age 18 years. Also, in case of minor life, the relationship between the proposer and life assured shall be specified and the cover shall be granted to the extent of insurable interest only. If the life assured(s) is major, the policyholder(s) and the life assured(s) shall be the same person/people.

Eligibility for Joint Life

Cover will be granted up to the extent of insurable interest only. Insurable interest will be established at the time of issuing the policy and the policy shall be issued only where need for insurance is satisfied as per underwriting norms of our Board Approved Underwriting Policy (BAUP). In case of Joint Life policies, at least one life has to be a major. In case one of the lives is a minor, the major life will be the policyholder. In case, both lives are major, any one of them can be the policyholder.

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