• Webpages
  • Documents
  • HDFC Life ClassicAssure PlusInvestment
  • HDFC Life ClassicAssure PlusInvestment
  • HDFC Life ClassicAssure PlusInvestment

For NRI Customers

(To Buy a Policy)

(If you're our existing customer)

For Online Policy Purchase

(New and Ongoing Applications)

Branch Locator

For Existing Customers

(Issued Policy)

Fund Performance Check

Guaranteed Returns Investment Plans

Guaranteed plans, as the name suggests, are savings and insurance plans that provide a guaranteed return on your investment. They offer tax-free maturity benefits and life coverage for the policy tenure. ...Read More

Buy a Savings Plan today. Get regular returns as you stay covered.

Realize your life goals without any risk. Enjoy guaranteed1 returns from your policy at regular intervals to meet your various financial goals5.


We respect our customers' privacy and do not spam them.

I authorize HDFC Life and its representatives to contact me through Call, Email, SMS or WhatsApp. This consent overrides my registration under DNC / NDNC (this would mean we would contact you even if you are registered on any Do Not Disturb list).

Guaranteed Returns investment plan

What is a Guaranteed Return Plan?

Guaranteed1 return plans are financial tools that help you save a fixed amount regularly over several years. On maturity, you receive a guaranteed return, allowing you to plan for future financial requirements. During the policy tenure, you receive life insurance coverage, safeguarding your family's financial future if anything happens to you

Guaranteed Return Plans Offered by HDFC Life:

How Does a Guaranteed Return Insurance Plan Work?

When you opt for a guaranteed1 return insurance plan, you pay a premium at regular intervals. A small portion helps provide life coverage while the rest earns steady returns over time. On maturity, you receive the guaranteed amount. Your heir or beneficiary receives the sum assured payout if anything happens to you during the policy tenure. These plans provide the dual benefits of building a corpus while offering life insurance coverage.

Why invest in a Guaranteed Return Plans?

Wondering whether a guaranteed plan is right for you? Here are some of the top reasons to get a guaranteed1 return plan:

Meet Future Financial Goals with Guaranteed Return Plans

To Meet Future Financial Goals

Guaranteed plans offer steady financial growth, allowing you to save and invest over several years to meet future financial goals.

Protect Your Family with Guaranteed Return Plans

To Protect Your Family

These plans come with a life insurance component, providing financial stability and support during a difficult time.

Safeguard Your Corpus with Guaranteed Return Plans

To Safeguard Your Corpus

Guaranteed return plans are independent of market fluctuations. They are savings plans that keep your investment amount safe.

HDFC Life TOP Guaranteed Returns Investment Plan

How is a Guaranteed Return Plan More Reliable?

Guaranteed return plans do not rely on market fluctuations. They use simple interest and the power of compounding to grow your wealth steadily over several years. These policies are more reliable than other investment avenues since you can rest assured of guaranteed returns. Additionally, these plans provide life insurance coverage, which helps safeguard your family's finances, regardless of what happens to you.

What are the benefits of Guaranteed Return Plans?

When you opt for a guaranteed return plan, you enjoy the following benefits:
Benefits as Dual Benefits of Savings and Insurance

Dual Benefits of Savings and Insurance

Guaranteed return plans combine the benefits of savings with life insurance coverage. These policies encourage you to build good financial habits while securing your family's finances with insurance coverage.

Benefits as Stable Returns

Stable Returns

Guaranteed return plans provide steady returns over time. They do not depend on market fluctuations, which make them ideal for long-term financial planning for risk-averse individuals.

Benefits as Easy Customisation

Easy Customisation

You can choose your premium payment frequency and enhance your plan's coverage with riders. Guaranteed savings plans allow you to make financial decisions based on what works best for you.

Benefits as Protection for the Family

Protection for the Family

Along with helping you grow your wealth for the future, these policies offer life insurance coverage. Should anything happen to you, the policyholder, while the plan is active, your beneficiary or heir receives the sum assured amount. The payout provides financial stability and support during difficult times.

Benefits as Tax Benefits

Tax Benefits

Guaranteed return plans offer tax benefits under Section 80C3 of the Income Tax Act. Ensure you check prevailing tax laws before making deductions.

What Are the Steps to Buy a Guaranteed Return Investment Plan?

Buying a guaranteed return investment plan is quick and easy. All you have to do is follow these steps:

Understand Your Goals

Determine how much you require and maturity and evaluate the life insurance coverage required.


Enhance Your Coverage

Identify plans that offer riders and determine how you can boost your coverage.


Complete the Application Form

Fill out the online application form. You have to enter your personal and financial details.


Pay the Premium

Complete the transaction to pay your first premium to enjoy life coverage and start building a corpus for the future.

Important Factors to Consider Before Buying a Guaranteed Return Plan

Before you purchase a plan, ensure you evaluate your:

Evaluate your Financial Goals

Financial Goals

Select a plan that aligns with your goals to fulfil your future financial needs.

Evaluate your Ability to Pay Premiums

Ability to Pay Premiums

Take stock of your finances to understand how much you can afford to pay every month, quarter or year for the upkeep of your policy.

Evaluate your Returns


Evaluate the returns offered and check whether it is adequate for your needs.

Evaluate your Policy Tenure

Policy Tenure

Determine how much time you have to build a corpus for your future goals. Select a plan that suits your requirements.

Evaluate your Life Insurance Coverage

Life Insurance Coverage

Select plans that provide adequate insurance coverage. Understand your Human Life Value and choose accordingly.

Evaluate your Tax Benefits

Tax Benefits

Check the tax benefits offered by various plans and understand how you can maximise your savings and returns while minimising your tax liabilities.

Evaluate your The Insurance Company's Reputation

The Insurance Company's Reputation

Finally, evaluate the insurance company's reputation. Select an insurance provider with a high claim settlement ratio and a good standing in the market to safeguard your corpus and your family's finances.

Who Should Buy Guaranteed Return Investment Plans?

Guaranteed Return Investment Plan for parents


Parents who want to secure their family's future can purchase guaranteed return plans. These policies help you build a corpus to pay for your child's higher education and future dreams. The life insurance component offers additional financial security for your little ones.

Guaranteed Return Investment Plan for Young Workers

Young Workers

Young risk-averse workers can choose guaranteed return plans to build a corpus for their future goals. Additionally, the life insurance component helps your loved ones with additional financial support in your absence.

Guaranteed Return Investment Plan for Newly Weds

Newly Weds

Couples who recently tied the knot can purchase a guaranteed return plan to build their financial future together.

Guaranteed Return Investment Plan for Working Women

Working Women

Young independent women can use guaranteed return plans to secure their future. They can build a corpus to secure their retirement and other financial goals.

Guaranteed Return Investment Plan for Taxpayers


Guaranteed return plans offer tax benefits under Section 80C of the Income Tax Act. Taxpayers can opt for these plans to minimise liabilities while working towards future financial goals.

Guaranteed Returns Investment Plans FAQs

1 What affects the returns of my guaranteed returns plan?

Your plan returns depend on the policy term, premium payment frequency, and your age.

2 How much money should I save every month or year?

There is no one correct answer to this question. Ideally, aim to save 20% of your income to invest in future goals

3 What are the tax benefits for guaranteed returns plans?

Guaranteed returns plans offer tax benefits under Section 80C3 and Section 10(10D)4 of the Income Tax Act, 1961. Premiums paid are eligible for deductions under Section 80C, and the maturity amount enjoys tax benefits under Section 10(10D).

4 Who is eligible to invest in a guaranteed return plan?

Most guaranteed return plans require individuals to be at least 18. You should check the specific eligibility requirements of your chosen policy.

5 Should I pick a long-term or short-term guaranteed plan?

You should select a plan based on your age, investment ability and financial goals. Long-term plans work best for young professionals. Short-term plans are better for those close to retirement.

6 Why are guaranteed return plans reliable?

Guaranteed plans offer stable returns and do not depend on market fluctuations. They are reliable since they offer guaranteed returns and life insurance coverage.

7 When should I buy a guaranteed return plan?

The ideal time to buy a guaranteed return plan depends on your current finances and future goals. Anybody can purchase a policy at any time as long as it aligns with their life goals.

8 Who should buy guaranteed returns plans?

Individuals who want to build a secure corpus for the future can opt for a guaranteed return plan. The policy is suitable for business people, salaried individuals, young professionals, and those nearing retirement.

9 Which investment gives the highest return in the long run?

There's no correct answer to this question. Some market-linked investments offer very high returns but without guarantees. These high-risk investments may lead to potential losses. Guaranteed plans, on the other hand, offer steady returns over several years.

10 Are guaranteed return plans good?

Guaranteed return plans offer dual benefits of building a corpus for future goals while protecting your family's finances with life insurance coverage. You can select a plan based on your goals.

11 Where should I invest my money for guaranteed returns?

You can choose a guaranteed return plan like HDFC Life Sanchay Plus, HDFC Life Guaranteed Income Insurance Plan, and HDFC Life Sanchay Fixed Maturity Plan to get guaranteed returns.

12 Are guaranteed income plans tax-free?

 Guaranteed plans offer tax benefits under Section 80C3 and Section 10(10D) 4 of the Income Tax Act, 1961. You can check with a tax advisor to better understand your tax liabilities before purchasing a plan.

*T&C Apply
1. Guaranteed Benefit is paid on survival during policy term provided all due premiums are paid during the premium payment term.
2. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

3. Subject to conditions specified u/s 80C of the Income tax Act, 1961.

4. Subject to conditions specified u/s 10(10D) of the Income tax Act, 1961.

The afore stated views are based on the current Income-tax law. Also, the customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.

HDFC Life Sanchay Plus (UIN: 101N134V22) is a non-participating, non-linked savings insurance plan.

HDFC Life Sanchay Fixed Maturity Plan (UIN:101N142V05) is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan. Life Insurance Coverage is available in this product.

HDFC Life Guaranteed Income Insurance Plan UIN: (101N146V04). A Non-Linked Non-Participating Individual Life Insurance Savings Plan.

5 . This feature is available in select products under the savings category. Please read the product brochure of your selected product to know the details.

ARN - ED/07/23/3367