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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 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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Eligibility Criteria for HDFC Life Click 2 Achieve

  Without PCB With PCB
Minimum Age at Entry1 (Years) 0 (30 days)2   In case “Additional Life” option is selected, minimum entry age shall be 18 years for both the lives 182   In case “Additional Life” option is selected, minimum entry age shall be 18 years for both the lives
Maximum Age at Entry3 (Years)
Option Years
Lumpsum 65
Balanced Income
Early Income 60
Enhanced Income
Guaranteed Income
Option Years
Lumpsum Single Pay: 60 Regular/Limited Pay: 65-PPT
Balanced Income
Early Income Single Pay: 55 Regular/Limited Pay: 60-PPT
Enhanced Income
Guaranteed Income
Minimum Age at Maturity (Years) 18
Maximum Age at Maturity (Years)3 85 75
Premium Payment Term (Years) Single Pay, 5, 6, 8, 10, 12
Policy Term (Years)   10 to 40   The minimum Policy Term for each option shall be as under:
Plan option Minimum Policy Term (Years)
Lumpsum 10
Balanced Income 10
Early Income 20
Enhanced Income 20
Guaranteed Income 20
Deferment Period (Years)4 0 to 12  
Sum Assured on Death The absolute amount of benefit which is guaranteed to become payable on death of the life assured in accordance with the terms and conditions of the policy. This shall be equal to DBM × SP for Single Pay and DBM × AP for Limited/Regular Pay.    
Age at Entry* Minimum DBM Maximum DBM
< 50 Single Pay:1.25 Limited / Regular Pay: 7 11
> =50 Single Pay:1.1 Limited / Regular Pay: 5 11
* In case of ‘Additional Life Option’, the above limits will be applicable to both the lives. In addition, the acceptance of any case is subject to the Board Approved Underwriting Policy of the company prevailing from time to time.
Minimum Instalment Premium The minimum premium amount per instalment for the policy shall be as under:  
Premium Payment Frequency Minimum Instalment Premium (Rs.)
Single Premium 50,000
Yearly 25,000
Half-yearly 12,750
Quarterly 6,500
Monthly 2,188
The premium allocated towards each plan option cannot be lower than the limit given below:  
Premium Payment Frequency Minimum Instalment Premium (Rs.)
Single Premium 25,000
Yearly 10,000
Half-yearly 5,100
Quarterly 2,600
Monthly 875
Maximum Instalment Premium No limit, subject to Board Approved Underwriting Policy (BAUP)

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