Bonus Rates
Bonus Rate for Participatory Products
For Endowment, 3 Payment Plan (3PP) and Education Protection Plan (EPP)
16 July 2022 till 16 July 2023
| Policy Type | Term of Policy | Bonus Rate (per 1000) | Number of Policies |
| Endowment Plan | 1 - 15 Years | Rs 60 | 3,143 |
| 16 - 20 Years | Rs 70 | 5,568 | |
| 21 Years and above | Rs 80 | 1,826 | |
| Education Protection Plan (EPP) | 1 - 15 Years | Rs 60 | 14,937 |
| 16 - 20 Years | Rs 70 | 16,534 | |
| 21 Years and above | Rs 80 | 5,284 | |
| Three Payment Plan (3PP) | 1 - 15 Years | Rs 45 | 10,286 |
| 16 - 20 Years | Rs 55 | 3,607 | |
| 21 Years and above | Rs 65 | 4,689 |
16 July 2021 till 16 July 2022
| Policy Type | Term of Policy | Bonus Rate (per 1000) | Number of Policies |
| Endowment Plan | 1 - 15 Years | Rs 60 | 3,535 |
| 16 - 20 Years | Rs 70 | 4,761 |
|
| 21 Years and above | Rs 80 | 1,584 |
|
| Education Protection Plan (EPP) | 1 - 15 Years | Rs 60 | 17,798 |
| 16 - 20 Years | Rs 70 | 16,992 |
|
| 21 Years and above | Rs 80 | 4,862 |
|
| Three Payment Plan (3PP) | 1 - 15 Years | Rs 45 | 13,289 |
| 16 - 20 Years | Rs 55 | 4,476 |
|
| 21 Years and above | Rs 65 | 5,230 |
16 July 2020 till 15 July 2021
| Policy Type | Term of Policy | Bonus Rate (per 1000) | Number of Policies |
| Endowment Plan | 1 - 15 Years | Rs 60 | 4,790 |
| 16 - 20 Years | Rs 70 | 3,609 |
|
| 21 Years and above | Rs 80 | 1,203 |
|
| Education Protection Plan (EPP) | 1 - 15 Years | Rs 60 | 23,223 |
| 16 - 20 Years | Rs 70 | 16,357 |
|
| 21 Years and above | Rs 80 | 3,982 |
|
| Three Payment Plan (3PP) | 1 - 15 Years | Rs 45 | 19,193 |
| 16 - 20 Years | Rs 55 | 4,849 |
|
| 21 Years and above | Rs 65 | 4,779 |
16 July 2020 till 15 July 2021
| Policy Type | Term of Policy | ||
| 1 to 15 Years | 16 to 20 years | 21Years and above | |
| Endowment Plan | Rs. 60/- | Rs. 70/- | Rs. 80/- |
| Three Payment Plan (3PP) | Rs. 45/- | Rs. 55/- | Rs. 65/- |
| Education Protection Plan (EPP) | Rs. 60/- | Rs. 70/- | Rs. 80/- |
16 July 2017 till 16 July 2019
| Policy Type | Term of Policy | ||
| 1 to 15 Years | 16 to 20 years | 21Years and above | |
| Endowment Plan |
Rs. 70/- |
Rs. 80/- | Rs. 65/- |
| Three Payment Plan (3PP) | Rs 50/- |
Rs. 60/- |
Rs. 70/- |
| Education Protection Plan (EPP) | Rs. 65/- |
Rs. 75/- |
Rs. 85/- |
16 July 2016 till 15 July 2017
| Policy Type | Term of Policy | ||
| 1 to 15 Years | 16 to 20 years | 21Years and above | |
| Endowment Plan | Rs. 45/- |
Rs. 55/- |
Rs. 65/- |
| Three Payment Plan (3PP) | Rs 40/- |
Rs. 50/- |
Rs. 60/- |
| Education Protection Plan (EPP) | Rs. 45/- |
Rs. 55/- |
Rs. 70/- |
16 July 2013 till 15 July 2016
| Policy Type | Term of Policy | ||
| 1 to 15 Years | 16 to 20 years | 21Years and above | |
| Endowment Plan | Rs.40/- |
Rs. 50/- |
Rs. 60/- |
| Three Payment Plan (3PP) | Rs. 35/- |
Rs. 45/- |
Rs. 55/- |
| Education Protection Plan (EPP) | Rs. 40/- |
Rs. 50/- |
Rs. 60/- |
| S.N. | Date (Duration) | Plan of Insurance | Bonus Rate | Term of policy |
| 5 | 16 July 2012 till 15 July 2013 | All Participatory 3PP, Endowment and EPP | 35/1000 | 1- 15 Years |
| 45/1000 | 16- 20 Years | |||
| 55/1000 | 21 Years and above | |||
| 4 | 17 July 2011 till 15 July 2012 | All Participatory 3PP, Endowment and EPP | 35/1000 | All |
| 3 | 16 July 2008 till 16 July 2011 | All Participatory 3PP, Endowment and EPP | 30/1000 | All |
| 2 | 16 July 2005 till 15 July 2008 | All Participatory 3PP, Endowment and EPP | 25/1000 | All |
| 1 | Inception till 15 July 2005 | All Participatory 3PP, Endowment and EPP | 50/1000 | All |
Crediting Rate for Future Care - DPS
| S.N. | Time Period (Duration) | Investment Earning Crediting Rate (CIR) |
| 39 | October - December'24 | 7.97% per annum |
| 38 | July - September'24 | 8.07% per annum |
| 37 | April - June'24 | 8.18% per annum |
| 36 | January - March'24 | 8.24% per annum |
| 35 | October - December'23 | 8.40% per annum |
| 34 | July - September'23 | 8.41% per annum |
| 33 | April - June'23 | 8.43% per annum |
| 32 | January - March'23 | 8.36% per annum |
| 31 | October - December'22 | 8.11% per annum |
| 30 | July - September'22 | 7.46% per annum |
| 29 | April - June'22 | 7.01% per annum |
| 28 | January - March'22 | 6.36% per annum |
| 27 | October - December'21 | 5.66% per annum |
| 26 | July - September'21 | 5.40% per annum |
| 25 | April - June'21 | 5.54% per annum |
| 24 | January - March'21 | 6.08% per annum |
| 23 | October - December'20 | 6.58% per annum |
| 22 | July - September'20 | 7.59% per annum |
| 21 | April - June'20 | 7.90% per annum |
| 20 | January - March'20 | 7.88% per annum |
| 19 | October - December'19 | 7.88% per annum |
| 18 | July - September'19 | 8.13% per annum |
| 17 | April - June'19 | 8.47% per annum |
| 16 | January - March'19 | 8.91% per annum |
| 15 | October - December'18 | 8.61% per annum |
| 14 | July - September'18 | 8.41% per annum |
| 13 | April - June'18 | 8.46% per annum |
| 12 | January - March'18 | 8.14% per annum |
| 11 | July - December'17 | 7.30% per annum |
| 10 | April - June'17 | 6.30% per annum |
| 9 | January - March'17 | 5.00% per annum |
| 8 | October - December'16 | 4.00% per annum |
| 7 | July - September'16 | 3.75% per annum |
| 6 | April - June'16 | 4.00% per annum |
| 5 | January '15 - March'16 | 5.00% per annum |
| 4 | January - December'14 | 6.00% per annum |
| 3 | April - December'13 | 7.00% per annum |
| 2 | January - March'13 | 7.50% per annum |
| 1 | June - December'12 | 8.00% per annum |
Retired/Discontinued Products
| Policy Name | Discontinued Date |
| Credit Life | 01/01/2018 |
| 31 Disease Critical Care | 01/09/2018 |
| EduCare | 01/01/2018 |
| Continuity of Income | 01/01/2018 |
| Three Payment Plan | 01/02/2023 |
| Education Protection Plan | 18/10/2023 |