PNB Met Dhan Samriddhi Plan

PNB Met Dhan Samriddhi Insurance policy is a Unit Linked Insurance Plan that maximizes its customer’s wealth through low charges on the paid premium and by the consistent performance of the chosen linked funds. Policyholders are offered a range of choices to invest their savings along with insurance cover to maximize the returns on their investments.

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  • 4.8++ Rated
  • 10.5 Crore Registered Consumer
  • 51 Partners Insurance Partners
  • 5.3 Crore Policies Sold

Investment Plans

  • Plan starting from ₹1,000/month
  • Save upto ₹46,800 in Tax under section 80C^
  • Zero LTCG Tax
  • In built life cover
Top performing plans˜ with High Returns**
Invest ₹10K/Month & Get ₹1 Crore# Tax-Free*
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rating
10.5 Crore
Registered Consumer
51
Insurance Partners
5.3 Crore
Policies Sold
Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

Key Features

  • This policy is a ULIP that has the convenience of a single premium payment.
  • The policyholder has a variety of options for building his investment portfolio; six funds are available for investment with this policy. The policyholder also has a choice of stocks, bonds and money market funds.
  • The policyholders can maintain their investment portfolio and may switch from a range of investment options, free of charge online. He or she may also choose to manage asset location with the range of funds available through the policy.
  • Liquidity options are available with the Partial Withdrawals or Surrender modes.

Benefits

  • The policyholder has the option to receive the Maturity Benefit as a lump sum or as structured payments using the Settlement Option facility. A combination is also possible where part lump sum payment is taken as well as regular withdrawals are done. The Maturity Benefit for this policy is equal to the Fund Value.
  • In the unfortunate event of the demise of the person insured, the nominee receives the Death Benefit. The Death Benefits payable is higher of the following:
    (1) The Single Premium Fund Value, or 
    (2) The Sum Assured less Partial Withdrawals or 
    (3) 105% of the Single Premium paid.
  • Based on the customer’s propensity to take risks, there are 6 Unit Linked Funds for investment.
  • Tax benefits are available under this policy as per the Income Tax Act under sections 80 (C) and 10(10D).
  • Loyalty Additions are available with this policy. The Loyalty Addition would be 0.5% of the Average Single Premium Fund Value when the Single Premium is ten lakhs or more.
  • Partial withdrawals are permitted after five years from the commencement of the policy. After five years, partial withdrawals can be made, subject to the condition that the withdrawal amount is a minimum of Rs. 5000.

Product Specification:

 

Minimum

Maximum

Entry Age (Last Birthday) for Life Insured

8 years

65 years

Maturity Age (Last Birthday)

 

75 years

Policy Term (PT) in years

10 years

Premium Paying Term (PPT) in years

Single

Premium Paying Frequency

Single

Yearly Premium

Rs. 2 lakhs

No limit, subject to underwriting conditions

Sum Assured Multiple

Option to choose 10 or 1.25 times the single premium

Details About Premium

Annual premium in Rupees

Age

Premium (Rs.)

Sum Assured (Rs.)

Sum assured multiple value

Policy Term (years)

8

200000

250000

1.25

10

8

200000

2000000

10

10

20

450000

4500000

10

10

20

450000

562500

1.25

10

30

650000

812500

1.25

10

30

650000

6500000

10

10

35

990000

1237500

1.25

10

35

990000

9900000

10

10

Explore More Under PNB MetLife Investment Plans

Policy Details

Grace Period: As the premium is paid only once on the purchase of the policy there is no Grace Period for this Policy.

Policy Termination or Surrender Benefit:

The customer may terminate his or her investment before maturity at any time during the plan year. If the policy is surrendered within the first five years from the start of the plan, then the fund value is transferred to what is called as the Discontinued Fund. A minimum Guaranteed Interest rate of 4% p.a. or as declared by the authority from time to time, will be earned. The Fund Management Charge on the Discontinued Policy Fund shall not exceed 0.5% per year on the Discontinued Fund. Benefits on death and accidental death shall cease to continue. The fund value is payable on the first working day of the sixth policy year. If the policy is surrendered after completing five years from the start of the policy, the fund value is then payable immediately to the policyholder. This fund value is subject to deductions based on any partial withdrawals that may have been made.

Free Look Period: The policy may be cancelled if the customer so wishes, within 15 days of receiving the policy document. The amount refunded is equivalent to non-allocated Premiums plus charges levied through cancellation of units plus Fund Value at the cancellation date. This amount is subject to deduction of expenses towards stamp duty and proportionate risk premium.

Additional Features or Riders

  • Various charges apply to this policy. They are as follows:
    • Premium Allocation Charge which is deducted from the Premium paid by the customer. The balance is invested in the investments chosen by the policyholder. For a single premium, the Premium Allocation Charge is 3.5%.
    • Policy Administration Charge is deducted at the start of each month and is a flat charge of Rs. 100 per month.
    • Fund Management Charges are 1.25% for Flexi Cap, Multiplier II and Virtue II funds. The Fund Management Charges are 1.15% for Balancer II fund and 1.00% for Protector II and Preserver II funds.
    • At the beginning of each month, Mortality Charges are deducted by cancellation of units from the fund value.
    • Switching Charge – If switching is done online, there is no charge. Otherwise, there is a limit of four switches allowed in a single policy year. Subsequently each switch is charged at Rs. 250.
    • Partial Withdrawal Charge – This policy allows twelve partial withdrawals free of cost in a policy year. For subsequent withdrawals, there is a charge Rs. 250 per withdrawal.
    • Miscellaneous Charge in which Rs.250 is levied for various alterations such as a change in the Base Sum Assured, Premium Redirection, etc.

Documents Required

The policyholder has to fill up an ‘Application form ’with identity proof, bank account proof, address proof and a recent photograph. Select cases may require income proof.

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan. 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.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

Ulip Insurer2
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 1286 Reviews)

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Met Dhan Samriddhi Reviews & Ratings

4.6 / 5 (Based on 1286 Reviews)
(Showing Newest 10 reviews)
Divya
Ranchi, June 22, 2025
Kotak E Invest plus Policybazaar equal Win
Best combo. Policybazaars help made it stress free.
Harsha
Guwahati, June 21, 2025
Promise for Growth Plus Is Understated
It quietly delivers what it promises. Good pick.
Meera
Vellore, June 20, 2025
Click to Invest Makes Investing Fun
Simple UI digital first and a great entry level product.
Nikhil
Shimla, June 19, 2025
Goal Assure IV Seems Tailored for Me
Plan gives control over fund choice and returns.
Aditi
Vijayawada, June 16, 2025
Policybazaar Helped Me Choose Confidently
Smart Fortune Plus was explained so well. Really appreciated the clarity.
Nidhi
Indore, June 11, 2025
Birla Wealth Smart Plus Has Solid Features
Low charges and good growth options. Very happy.
Siddharth
Kochi, May 10, 2025
Pramerica Smart Invest Was a Pleasant Surprise
Didnt expect it to be this flexible. Great choice.
Aisha
Kolkata, April 09, 2025
ICICI Signature Plan Was a Smart Decision
Liked the balance between life cover and returns
Raghav
Ahmedabad, April 08, 2025
LIC Index Plus is a No Brainer
Safe low risk and time tested. I didnt have to think twice.
Amit
Guwahati, March 26, 2025
Reliable and Safe Investment
Policybazaar is reliable for investment. HDFC Life Dynamic Advantage Fund performs well and is safe for long term.
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