Guaranteed returns.
Zero market risk.
HDFC Life Sanchay Plus locks in a fixed, guaranteed income or lump sum for your family, with life cover throughout and tax benefits under 80C. No stock market, no guessing. Just a plan that pays exactly what it promises.
IRDAI-registered advisors in Muvattupuzha. Same premium as buying direct, honest advice on top.
Why families choose it
- 100% guaranteedReturns fixed the day you sign
- Life cover includedYour family stays protected
- Tax saved under 80CAnd tax-free maturity via 10(10D)
- Income for lifeOptions that pay right up to age 99
IRDAI
Registered agency
HDFC Life
One of India's largest insurers
Free
Advice & illustration
Kerala + Gulf
Families & NRIs served
Four ways to use it
One plan, shaped to your goal
Sanchay Plus comes in four options. The right one depends on whether you want a lump sum, a fixed income for some years, or an income that lasts your whole life.
Guaranteed Income
Pay for a chosen term, then receive a fixed, guaranteed income every year for a set period, plus your premiums back at the end.
Guaranteed Maturity
A single guaranteed lump sum at maturity, built from your premiums and guaranteed additions. Simple, certain, goal-based saving.
Life Long Income
Guaranteed income right up to age 99, so your savings keep paying you through a long Kerala retirement.
Long Term Income
A longer guaranteed income stream with return of premiums at the end, for those planning decades ahead.
What makes Sanchay Plus worth it
Guaranteed, not market-linked
The returns are fixed and known when you sign, with nothing left to the stock market. What is promised is what you get.
Life cover throughout
Your family is protected for the whole policy term. If something happens to you, they receive the death benefit.
Tax benefits
Premiums qualify under Section 80C and the maturity benefit is tax-free within the conditions of Section 10(10D).
Flexible payouts
Choose a lump sum, a regular income, or income for life. Match the plan to a goal, a child's future or your retirement.
Guaranteed additions
The plan adds guaranteed amounts through the term that build up your final benefit, on top of your premiums.
From a name you know
HDFC Life is one of India's largest and most trusted life insurers, with a strong long-term claim settlement record.
How it works, in plain numbers
Pay for a few years. Get guaranteed money back for many.
You save
Pay a fixed premium for a chosen term, say 5 or 10 years.
It grows
Guaranteed additions build up your benefit, with life cover running throughout.
You receive
A guaranteed income or lump sum, on the schedule you picked, with premiums often returned.
The exact premium and payout depend on your age, the option and the term you choose. Ask us for a free personalised illustration with your own numbers, no obligation.
Is Sanchay Plus right for you?
It suits people who value certainty. If you want your money to grow on a promise rather than a market bet, this plan is built for you.
- Salaried and self-employed families who want guaranteed growth without stock-market risk
- Parents saving for a child's education or wedding on a fixed timeline
- NRIs in the Gulf wanting a safe, rupee income stream back home
- Anyone near retirement who wants a guaranteed income that does not run out
- Conservative savers who value certainty over the ups and downs of the market
Same premium. Honest advice on top.
Buying Sanchay Plus through Maaxus costs you exactly the same as going direct, because commissions are built into every policy. What you get for free is a real advisor: we size the plan to your actual goal, compare it against other options so you know it is the right choice, fill the paperwork correctly so nothing is disputed later, and stay with you at payout time. We are an IRDAI-registered agency in Muvattupuzha serving families across Kerala and NRIs in the Gulf.
Questions, answered
Is HDFC Life Sanchay Plus a guaranteed plan?
Yes. Sanchay Plus is a non-linked, non-participating savings plan, which means the returns are guaranteed and fixed at the start, not dependent on the stock market. The income or maturity amount you are shown in the illustration is what the plan is contracted to pay, subject to all premiums being paid.
What are the tax benefits?
Premiums paid are eligible for deduction under Section 80C of the Income Tax Act, and the maturity or death benefit is tax-free within the conditions of Section 10(10D), under the old tax regime. Tax rules can change, so we confirm the current position for your situation before you buy.
Can NRIs buy Sanchay Plus?
Yes. NRIs, including Malayalis working across the Gulf, can buy Sanchay Plus. The proposal and any medical can be completed digitally or on your next visit to Kerala, premiums can be paid from an NRE or NRO account, and the income or maturity is payable in India.
How much do I need to invest?
It depends on the option you choose, your age, the premium-paying term and the income or maturity you want. The plan is flexible across a wide range of budgets. Tell us your goal and we will prepare a free illustration showing exactly what you pay and what you receive.
Why buy through Maaxus rather than directly?
You pay the same premium either way, because commissions are built into the plan. The difference is that we compare the options honestly, size the plan to your real goal, complete the paperwork correctly so there is no dispute later, and stay with you at claim or payout time. That service costs you nothing extra.
Get your personalised Sanchay Plus illustration
Share a few details and our advisor will send you the exact numbers for your age and goal, in Malayalam or English. Prefer to chat now? Message us on WhatsApp.
Let's start with the basics
HDFC Life Sanchay Plus is a non-linked, non-participating life insurance savings plan offered by HDFC Life Insurance Company Ltd. Maaxus Insurance Hub is an IRDAI-registered insurance agency and is not affiliated with or endorsed by HDFC Life. Product names and features belong to their respective owners and are described here for information only. Guaranteed benefits are subject to all due premiums being paid and the terms and conditions of the policy. Tax benefits are subject to prevailing tax laws and may change. Please read the official sales brochure and policy document before concluding a sale. See all life insurance options.