Bonus Rates

Bonus Rate for Participatory Products Crediting Rate for Future Care - DPS

Bonus Rate for Participatory Products

For Endowment, 3 Payment Plan (3PP), Midterm Growth Plan and Education Protection Plan (EPP)

17 July 2023 till 15 July 2024

Policy Type Term of Policy Bonus Rate (per 1000) Number of Policies
Three Payment Plan (3PP) 1 - 15 Years Rs 45 7,492
  16 - 20 Years Rs 55 2,825
  21 Years and above Rs 65 4,291
Midterm Growth Plan (MTG) 1 - 15 Years Rs 45 147
  16 - 20 Years Rs 50 769
  21 Years and above Rs 55 493
Endowment Plan 1 - 15 Years Rs 55 2,705
  16 - 20 Years Rs 65 5,570
  21 Years and above Rs 75 2,032
Education Protection Plan (EPP) 1 - 15 Years Rs 55 12,191
  16 - 20 Years Rs 65 15,188
  21 Years and above Rs 75 5,086

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

17 July 2019 till 15 July 2020

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. 65/-
 Rs. 70/- Rs. 80/-
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)
43 October - December'25 6.38% per annum
42 July - September'25 6.71% per annum
41 April - June'25 6.87% per annum
40 January - March'25 7.52% per annum
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
Endowment Plan 10/03/2025