HDFC Life ProGrowth Plus Returns Calculator

HDFC Life ProGrowth Plus Returns Calculator is a ULIP calculator that helps to estimate the potential returns on your investment. This calculator works by considering various parameters such as the premium amount, policy term, chosen funds, and the expected rate of return. By using the HDFC Life ProGrowth Plus Returns Calculator, you can get details about how your investment may grow over time and make well-informed decisions accordingly.

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Investment Return Calculator (Power of Compounding)
  • One Time
  • Monthly
  • Yearly

Invest For (in Years)

1 30

Stay invested for (in Years)

1 30

Expected rate of return (in %)

1 35
 
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Why Should You Use HDFC Life ProGrowth Plus Returns Calculator?

The following points further explain why a ULIP investor should use the HDFC Life ProGrowth Plus Returns Calculator:

  • Visualize Growth Potential: The Returns Calculator allows you to see the potential growth of your investment over time, helping you make informed decisions.

  • Flexibility: You have the option to adjust premium amounts and policy terms to explore different investment scenarios and optimize returns.

  • Easy Access: Every individual can access HDFC Life ProGrowth Plus Returns Calculator. Anyone can access it by visiting the official website of HDFC Life according to their convenience.The calculator is available online free of cost for everyone to use. You can access it any time of the day from across the globe.

  • Simple to use: This ULIP calculator has easy steps and a clean interface. Within a few clicks, you can find information on your preferred policy.

  • Compare Fund Options: The calculator lets you compare various funds available under ProGrowth Plus, catering to different risk appetites and investment objectives.

  • Realistic Financial Planning: The calculator helps in realistic financial planning by setting achievable targets and understanding investment outcomes.

How to Use HDFC Life ProGrowth Plus Returns Calculator?

The HDFC Life ProGrowth Plus Returns Calculator is a kind of SIP Calculator that is designed in such a way that the user doesn't need an advanced knowledge of finances to use.

The steps required to use this calculator are:

To use Policybazaar's HDFC Life ProGrowth Plus Returns Calculator:

Step 1: Visit the Policybazaar website.

Step 2: Search for "HDFC Life ProGrowth Plus Returns Calculator."

Step 3: Enter your details like amount you wish to invest, how long you want to stay invested for and expected rate of return.

Step 4: The calculator wil display the results. 

Step 6: Review the results for projected returns and benefits.

Step 7: Adjust inputs to compare different scenarios.

The results will be displayed on the screen. You can also try different combinations of values to choose your suitable policy.

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HDFC Life ProGrowth Plus Returns Calculator Example

  • Step 1 – Enter plan details: Sum assured – INR 30,00,000

  • Step 2: Premium amount: Let's enter INR 8,000

  • Step 3: Premium frequency: Let's enter "Monthly". It means you will be paying a premium of INR 8,000 every month.

  • Step 4: Select plan options – Life or Early Life: Let's select "Life."

  • Step 5: Enter the life assured details.

  • Step 6: Under "Fund Details" Let's select "Equity Fund" and enter 100% in "Equity Plus Fund". 

  • Step 7: Click on "Calculate".

  • Step 8: – Policy term: Let's choose 20 Years.

  • Step 9: Use the Slider that is provided. Let's slide it to the end, where it shows maturity to see the maturity amount.

  • Step 10: Total Benefit = INR 33,98,491.

The calculation is done, and the result shows that the maturity amount is INR 33,98,491 and a life cover of 30 Lakhs.

So, you will get Rs 33,98,491 at the end of 20 years by just investing Rs 8,000 monthly for 20 years.

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People also read: HDFC Life Midcap Momentum Fund

Advantages of HDFC Life ProGrowth Plus Returns Calculator

Some advantages of HDFC Life ProGrowth Plus Returns Calculator are:

  • Calculating the future financial needs: This calculator allows you to calculate the maturity amount of the plan, which helps you decide how much you should invest to meet your needs.

  • Easy to understand: Calculations are simple and fast. Just enter a few details, and you will understand the plan's details, which makes understanding the functioning of the plan simple for ordinary people.

  • Setting up a financial goal: It can help set up your financial goals in life, such as investment goals and life coverage goals to protect your loved ones.

Information Required

  • Coverage amount

  • Premium amount

  • Premium frequency 

  • Plan option (Life or Early life)

  • Basic information about the insured

  • Name, Date of Birth, Gender, Email ID, Mobile Number

  • Fund allocation

  • Policy term

  • Rate of return

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Benefits of Buying HDFC Life ProGrowth Plus Plan

Benefits of buying the HDFC Life ProGrowth Plus are:

  • Investments in Market-Linked Schemes: The HDFC Life ProGrowth Plus plan invests your money into equity and debt funds. These market-linked schemes help investors earn better returns than conventional investment instruments such as gold and FDs.

  • Diverse range of funds: This plan provides multiple fund options to choose from. It gives the investor the option of equity fund, balanced fund, and debt fund.

  • Flexibility: This fund asks you to choose the life coverage, i.e. the sum assured. It helps investors to a great extent because every investor has different financial needs.

  • Investing habit: Investing in a ULIP will help you build the practice of investing. Since the interest rates are going down rapidly and inflation is soaring, you must earn better returns to ensure a promising future for you and your family.

  • Family protection: A ULIP plan generates wealth for you and gives your family financial protection in case of a mishap.

  • Financial Goals: You must have a financial goal in your life to retire at a pre-decided age. And ULIPs help you with that. The HDFC Life ProGrowth Plus Returns Calculator estimates the returns on your investment which will help you to plan your retirement better. 

  • Tax Benefits: HDFC Life ProGrowth Plus plan is eligible for income tax deduction under Section 80C up to INR 1.5 lakh pa. The maturity proceeds of this plan can also be exempt from tax under Section 10(10D). Also, in case of the death of the ULIP investor, the amount received by the family will be exempt from tax u/s 10(10D) of The Income Tax Act 1961.

Wrapping It Up!

The HDFC Life ProGrowth Plus Returns Calculator will help you enormously in your family financial planning. The calculator also allows you to select options like several policy terms, several funds to invest in like equity, balanced, and debt. Every investor and policyholder can use it easily to know certain details.

FAQ's

  • Why is the HDFC Life ProGrowth Plus plan suitable for investors?

    This plan is suitable for people who want investing and insurance to happen simultaneously. It provides exposure to equity and debt, which may result in a higher rate of return.
  • Can I save tax with this plan?

    Yes, you can. This plan is eligible for income tax deduction under Section 80C up to ₹ 1.5 lakh pa. In addition, the returns of this plan can also be exempted from tax under Section 10(10D).
  • What is the minimum premium?

    The minimum Premiums are:
    • Annual: ₹ 24,000
    • Half Yearly: ₹ 10,000
    • Monthly: ₹ 2,500
  • What are the options of premium payment frequency available?

    The options for premium payment frequency are:
    • Monthly 
    • Quarterly
    • Half-yearly
    • Yearly
  • What is a market-linked scheme?

    In simple words, market-linked investments allocate your money in debt securities, stocks, bonds, and debentures.

*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.
+Returns Since Inception of LIC Growth Fund
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^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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