HDFC Plans For Girl Child

Parenthood is a big responsibility. It’s not just your personal finances anymore, you have a child to take care of. Now, with the cost of education skyrocketing and inflation in every sector, you have to plan your finances in a way that your child does not struggle to meet her needs. HDFC can help you address this with its array of schemes for young children. 

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HDFC Girl Child Gift Plans

If you are a parent or guardian of a young girl, your foremost priority should be to give them the education that they deserve. You should make sure to leave them a corpus that can fund their future pursuits even in your absence. You can do this with the help of HDFC plans for girl child including their specialized savings schemes for children and child life insurance policies. With these HDFC girl child gift plans, you can enable your daughters to follow their dreams while not burning a hole in your own savings.

Let’s look at the multitude of options that you can explore to secure your daughter’s future.

HDFC Savings Schemes For Girl Child

These are low risk savings options that offer assured returns on your deposits. These accounts help you build a corpus in your child’s name, also giving them access to a limited allowance per their needs.

  1. HDFC Sukanya Samriddhi Yojana

    A specialized savings scheme for young girls, the HDFC Sukanya Samriddhi Yojana account allows parents to deposit a sum every year on behalf of their daughters. This small deposit scheme earns interest at the rate of 7.6%. The benefit of this scheme is that the maturity proceeds go directly to the girl child. Further, the accrued interest and the maturity sum are exempt from tax deductions.

    Eligibility & Features Of HDFC Sukanya Samriddhi Yojana

    • The account can be opened for a girl child below the age of 10 years.

    • A minimum sum of Rs. 250 & a maximum sum of Rs. 1,50,000 can be deposited annually.

    • Deposits can be made for a period of 14 years while the tenure continues for 21 years from the date of opening the account.

    • Partial withdrawal is allowed to serve the purpose of education or marriage only when the girl child attains the age of 18 years.

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  2. Super Kids Savings Account

    This can be opened by parents of young daughters to secure their future with educational and healthcare benefits, in addition to free education insurance. This can be joined with the Sukanya Samriddhi Yojana account for a minor girl child to earn higher interest on the funds.

    Eligibility & Features Of HDFC Super Kids Savings Account

    • The parent needs to have savings account with HDFC.

    • A quarterly average balance of Rs. 1 Lakh has to be maintained.

    • A free education insurance of Rs. 5 Lakhs can be availed on the death of a parent.

    • A child can make timely deposits in the My Passion Fund with a minimum of Rs. 1000.

    People also read: Child Plan

  3. Kids Advantage Account

    This child savings account helps your child build the habit of saving regularly. You can also enable a larger corpus for the benefit of your girl child by depositing a sum every month. This HDFC plan for girl child comes with a Money Maximizer feature that transfers a certain sum to a one-year fixed deposit account in your child’s name. This amount will earn interest at the applicable rates to give your child an increased corpus.

    Eligibility & Features Of HDFC Kids Advantage Account

    • The parent should have an existing HDFC account and the child should be below 18 years of age.

    • A minor can operate the account themselves if they are above the age of 10.

    • A monthly average of Rs. 5,000 should be maintained in the account.

    • It comes with free education insurance worth Rs. 1 Lakh that is paid to the child if the death of the parent occurs due to an accident in a vehicle.

Higher education is an expensive affair with the current inflation. While savings schemes are safer bets, the best child savings plans for higher education is one that incorporates insurance as well as investment. The following section discusses some HDFC plans that you can explore.

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HDFC Life Insurance Plans For Girl Child

These are savings cum life insurance options that protect your children in the case of any eventualities. The investment component allows you to grow your savings to ensure that your child has the means to follow any interest in the future. The following HDFC plans for girl child can help you and your daughter meet your future goals.

  1. HDFC Life Click 2 Wealth - Premium Waiver Option

    It is a ULIP based child investment plan that allows you to invest in different fund options to grow your wealth. The premium waiver feature serves to eliminate any financial burden to pay premiums after your death.

    Eligibility & Features Of HDFC Life Click 2 Wealth - Premium Waiver Option

    • You can start the policy when the child is only 30 days old.

    • You can have 1% of the annual premium for the first five years added to your fund value.

    • The plan offers unlimited free switching across 11 funds.

    • The policy shall continue and the fund value shall remain invested till maturity despite the policyholder’s death.

    • You can start with a minimum monthly premium of Rs. 1000.

  2. HDFC SL YoungStar Super Premium

    This one is another ULIP that combines insurance and investment. While you are growing your savings through market performances of the funds, you are also ensuring that your child is well protected if anything were to happen to you. The accumulated savings can be used towards fulfilling your daughter’s needs and educational pursuits.

    Eligibility & Features Of HDFC SL YoungStar Super Premium

    • On the death of the parent, all the remaining future premiums are paid by the insurer.

    • If you survive the policy term, you can choose to receive the fund value in installments.

    • Anyone in the age bracket of 18 to 65 years can invest.

    • You can redirect your premiums to different funds or switch between funds as per your needs.

  3. HDFC Life YoungStar Udaan

    This is a traditional insurance policy that offers your child periodic sums of money on reaching different milestones. It comes with different payout options to meet the financial needs of your girl child and help them pursue their dreams.

    Eligibility & Features Of HDFC Life YoungStar Udaan

    • On maturity, a lump sum payout equal to 140% of the sum assured is payable to you.

    • You can enjoy coverage throughout the policy term even by paying for a specific period.

    • You can opt for loans to fund higher expenses related to your girl child’s education or marriage.

The best gift for your young girls can be the financial stability to follow their dreams. You can make this happen with the HDFC girl child gift plans discussed above. All the options are varied and serve different purposes to fulfill unique needs. However, it is important to do your own research and find a plan for your girl child that best aligns with your finances and goals. Read more about the benefits of investing in a child plan in the current times.

Note - Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.
+Returns Since Inception of LIC Growth Fund
~Source - Google Review Rating available on:-
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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