Aviva Dhan Samruddhi

A sound financial plan of an individual comprises of both long and short-term perspectives, attained over and above the security of life risk cover through a variety of insurance products. Aviva Dhan Samruddhi helps to build a future corpus in the long term as well as meet short-term life goals. Aviva Dhan Samruddhi  Policy is an individual Non-Linked and Non-Participating Savings  Insurance Plan which not only helps money grow with guaranteed maturity benefit returns in the long term but also returns money as survival benefit every five years of the policy tenure, except maturity for short term requirements.

Read more
Best Investment Plans
  • Save Upto ₹46,800 in tax under Sec 80C

  • Inbuilt Life Cover

  • Tax Free Returns Unlike FD+

In-built life cover
Buy Online & Get upto 4% extra#
Get Guaranteed returns along with life cover
invest in 100% Guaranteed Return Plans Tax benefits under sec 80C & No Tax on returns*
+91
Secure
We don’t spam
Please wait. We Are Processing..
Your personal information is secure with us
Plans available only for people of Indian origin By clicking on "View Plans" you agree to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs
Get Updates on WhatsApp
We are rated~
rating
58.9 Million
Registered Consumer
51
Insurance Partners
26.4 Million
Policies Sold

Additionally, it offers a concessional premium for a sum assured exceeding Rs.5 Lakh. 

Aviva Dhan Samruddhi Details:

Parameters Particulars
Policy Tenure 10, 15 and 20 years maximum, subject to satisfying the requirement of maturity age
Premium Paying Term  10 years across all policy terms
Premium Paying Mode Regular in Annual, Semi-Annual, Quarterly or Monthly Premium (Only ECS and Direct Debit)
Entry Age  13 -55 years at last birthday
Maturity Age  23-70 years
Grace Period  15 days for Monthly and 30 days for all others modes from the premium due date
Sum Assured  Minimum: 
  • For 10 years policy term: Rs.4.00 Lakh
  • For 15 years policy term: Rs.2.65 Lakh
  • For 20 years policy term: Rs.2.65 Lakh
Maximum: 
  • Rs. 5 Crore per insurer’s underwriting policy
Liquidity NA

Benefits of Aviva Dhan Samruddhi

Here are the benefits offered by Aviva Dhan Samruddhi Policy by Aviva Life Insurance:

  • Guaranteed Additions: The policyholder is eligible for the Guaranteed Addition every policy anniversary, provided there is no outstanding premium. The addition rate is determined as a percentage of One Year’s Premium and dependent on the policy term. The rates are:
  • 10-year policy term: 7%
  • 15-year policy term: 8%
  • 20-year policy term: 9%
  • Death Benefit: It is disbursed to the nominee on the untimely demise of the policyholder within the policy term, provided the Aviva Dhan Samruddhi Policy status is active. The beneficiary receives the entire sum assured plus the Guaranteed Additions at the time of death, without deductions of paid Survival Benefit, if any. 
  • Survival Benefit: It is a Guaranteed Money returned every 5th policy anniversary, except at maturity and the quantum is 125% of One Year’s Premium. 
  • 10-year policy term: 5th
  • 15-year policy term: 5th and 10th
  • 20-year policy term: 5th, 10th and 15th
  • Maturity Benefit: It is conditional to active Aviva Dhan Samruddhi Policy status, which comprises of the Sum Assured plus the Guaranteed Additions during the policy term, minus the Survival Benefit already paid. 
  • Tax Benefit: In accordance with the provisions of Income Tax Act, 1961, every financial year the premium paid is exempt under Section 80C and Benefit receipts under Section 1(10D). 

*Tax benefit is subject to changes in tax laws

The Premium for Aviva Dhan Samruddhi

It is already stated that the policyholder has the flexibility to pay the premium in instalments of Annual, Semi-Annual, Quarterly, and Monthly frequencies. Before a policyholder commits, it is prudent to check the Aviva Dhan Samruddhi calculator at the insurer portal to get an idea about the premium for the chosen policy. However, the sample premium amounts are listed below for view at a glance for monthly frequency only. 

Minimum Premium: 

  • For 10 years policy term: Rs.3109
  • For 15 years policy term: Rs.1707
  • For 20 years policy term: Rs.1492

Maximum Premium: 

  • For 10 years policy term: Rs.413943
  • For 15 years policy term: Rs.359375
  • For 20 years policy term: Rs.314083

      *Standard T&C Apply

Additional Riders for Aviva Dhan Samruddhi:

There is no provision for Add-on Riders in Aviva Dhan Samruddhi Policy. 

  1. Eligibility for Aviva Dhan Samruddhi:

    Entry Age: 13 -55 years

    Maturity Age: 23-70 years

    It is to be noted that even if the policyholder is minor at the inception of the policy, the risk shall commence immediately. 

What are the Documents Required to Buy this Policy?

Like any life insurance policy, to buy Aviva Dhan Samruddhi it is imperative to furnish copies of Official Valid Documents (OVD) for the following:

  • Identity Proof
  • Age Proof
  • Address Proof
  • Income Proof
  • Bank Account Details
  • Recent Photograph. 

How to Buy this Plan Online?

The online Aviva Dhan Samruddhi is not an option presently, but the policyholder can seek the service of an Advisor through an online request at the insurer portal. To buy Aviva Dhan Samruddhi offline, the policyholder can accomplish the job through a few steps.

  • Select the basic Sum assured that will build the desired corpus and fulfil the long and short-term financial goals. 
  • Choose the Policy Term based on age.
  • Choose the convenient Premium Payment Frequency. 
  • Calculate Premium
  • Pay the premium to complete the process. 

Exclusions of Aviva Dhan Samruddhi:

Exclusions are an important factor that affects the settlement of claims. According to Aviva Dhan Samruddhi Reviews, exclusions are applicable for claim related to death due to suicide in the first year of policy inception or renewal, and only 80% of the paid premium is payable, but not the total Death Benefit. All other exclusions can be checked in the policy document. 

FAQ's

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Please note that the quotes shown will be from our partners
*Tax benefit is subject to changes in tax laws
^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.
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

Investment Plan
Insurers Offering Guaranteed Return Plans

Aditya Birla Sun Life

Bajaj Allianz

Max Life

HDFC Life

Bharti AXA Life

Edelweiss Life

Kotak Life

Future Generali

PNB MetLife

SBI Life

Aviva

Bandhan Life

Canara HSBC

IDBI Federal

IndiaFirst

Pramerica Life

Reliance Life

Sahara Life

Shriram Life

Star Union

View more insurers
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Invest More Get More!
You Get
₹1 Crores*
You Invest
₹10K/month
You Get
₹80 Lakhs*
You Invest
₹8K/month
You Get
₹50 Lakhs*
You Invest
₹5K/month
Investment Plan 3

Investment plans articles

Recent Articles
Popular Articles
Tips for Single Mothers to Financially Secure Their Future

17 Jul 2024

Being a single mother comes with unique challenges, especially
Read more
Market Linked Investment

17 Jul 2024

Market Linked Investments in India are a mix of traditional
Read more
Money Management Tips

04 Jul 2024

Effective money management is important for achieving financial
Read more
ICICI Prudential Capital Guarantee Solution

27 Jun 2024

ICICI Prudential Capital Guarantee Solution is a specifically
Read more
Difference Between Savings and Investment Plans

17 Jun 2024

Savings and investment plans are important financial tools with
Read more
20 Best Investment Options in India in 2024
  • 04 Apr 2014
  • 1844451
Investing in the best investment options in India helps to maximize your returns and fulfill your immediate and
Read more
Best NRE Savings Accounts for NRIs in 2024
  • 28 Jan 2022
  • 27713
India is a growing economy and is getting a lot of global recognition these days. It has shown immense growth in
Read more
Post Office Senior Citizen Savings Scheme (SCSS) 2024
  • 13 Feb 2020
  • 74134
The Post Office Senior Citizen Savings Scheme (SCSS) is a government-backed scheme designed specifically for
Read more
How to Change Mobile Number in Post Office Account Online?
  • 20 Nov 2021
  • 17817
Indian Post Payment Bank (IPPB) is the banking division of the Department of Post (Ministry of Communications)
Read more
Short Term Investments Options
  • 10 Feb 2014
  • 474554
Short-term investments are financial assets that can be easily converted to cash within a short period, ranging
Read more

Aviva Dhan Samruddhi Reviews & Ratings

/ 5 (Based on 23 Reviews)
(Showing Newest 10 reviews)
Sumit
Rajasthan, July 22, 2024
Incredibly Easy
PolicyBazaar website made it incredibly easy to understand the different types of insurance and what each policy offered.
Mana
Maharashtra, July 22, 2024
Very Impressed With Impressed
I brougtht a term plan from the Policybazaar website and what impressed me most was the transparency and the detailed information of available at the platform.
Kabir
Maharashtra, July 22, 2024
Perfect and Simple
Found a perfect and simple plan from Kotak Life on Policybazaar. The detailed comparison made it easy to decide.
Adnan
Maharashtra, July 22, 2024
Detailed and Reliable
Policybazaar truly offers some of the most affordable premiums on term insurance plans online.
Shafibul
Andhra Pradesh, July 22, 2024
Affordable and Comprehensive
With HDFC Lifes C2P Super Term Insurance, I found an affordable and comprehensive solution to safeguard my family. As a single mother, its crucial to have high sum assured at an affordable premium. HDFC Life delivered exactly what I needed.
Akkash
Uttar Pradesh, July 22, 2024
Comprehensive and Trustworthy
Choosing HDFC Lifes Click 2 Protect Super was the best decision. The comprehensive coverage, including disability and disease protection, made it a trustworthy choice.
Yognder
Uttar Pradesh, July 22, 2024
Easy Application Process
Aegon iTerm Prime Term Plan had an easy application process, and the support team was very helpful. Now I feel my familys future is secure.
Gulab
West Bengal, July 22, 2024
Perfect for Growing Families
As our family grows, Aditya Birla term plan provided the extensive coverage we needed. The additional benefits like accidental death cover were very reassuring.
Rajiv
Gujarat, July 22, 2024
Easy Comparison
The comparison tool is very effective and easy to use at PB.
Raghunath
Rajasthan, July 22, 2024
User Friendly and Affordable
PNB MetLifes Online Term Plan was user-friendly and offered affordable premiums. It was the perfect choice for someone like me, balancing multiple financial responsibilities.
top
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL