Insurance Companies Selling Guaranteed Maturity

Popular Guaranteed Maturity policies

image

PNB Metlife Smart Platinum

PNB Metlife Smart Platinum Is A Unit-Linked Insurance Plan That Gives You The Flexibility To Build Your Investment Portfolio Through 6 Different Funds.
image

SBI Life - New Smart Samriddhi

SBI Life - New Smart Samriddhi Provides Protection Cover To Your Family In Case Of An Unfortunate Event And Also Rewards Your Saving Habit With Guaranteed Additions^.
image

PNB Metlife Super Saver Plan

PNB Metlife Super Saver Plan Is A Non-Linked, Participating Life Insurance Plan That Helps You Accumulate Your Savings And Provides A Long-Term Financial Protection For You And Your Family.
image

PNB Metlife Guaranteed Income Plan

Power Your Dreams Of Tomorrow And Fulfil Your Responsibilities Towards Your Loved Ones. Get An Additional Income Along With A Life Cover To Protect Your Loved Ones In Your Absence.
image

PNB Metlife Guaranteed Future Plan

This Plan Is Created To Enable You To Systematically Save And Protect You Against Unforeseen And Unfortunate Life Events, While Also Offering You Guaranteed Returns.
image

Kotak Premier Moneyback Plan

It Is A Unique Plan That Blends Savings And Protection. It Is A Limited Pay Plan That Provides Lump Sum Payouts At Regular Intervals To Meet Your Interim Financial Requirements.
image

PNB Metlife Guaranteed Savings Plan

PNB Metlife Guaranteed Savings Plan Helps You To Create A Corpus To Achieve Your Short To Long-Term Goals As Per Your Choice Along With Securing Your Family's Future.
image

SBI Life - Rinn Raksha

This Plan Covers Your Debt And Pays Off Your Financing Institution In Case Any Eventuality.
image

Kotak Superannuation Group Plan - II

In This Scheme, You Can Provide Employees A Specific Retirement Benefit Based On Salary And Years Of Service.
image

LIC's New Bima Nivesh

LIC New Bima Nivesh Plan Highlights Single Premium For Sum Assured Ranging From Rs.25,000/- To Rs.50,00,000/-.
image

SBI Life - Smart Champ Insurance

SBI Life - Smart Champ Insurance, An Individual, Non-Linked, Participating, Life Insurance Savings Product, Helps In Securing Your Child's Educational Needs.
image

SBI Life - Smart Future Choices

SBI Life - Smart Future Choices, You Can Choose Between Different Payout Options As Per Your Changing Needs To Fulfil Your Short-Term And Long-Term Goals.
image

SBI Life - Smart Income Protect

SBI Life - Smart Income Protect, An Individual, Non-Linked, Participating Life Insurance Savings Product, Offers Dual Benefits Of Life Cover And Regular Cash Inflow Over A Period Of 15 Years.
image

SBI Life - Smart Money Planner

Individual, Non-Linked, Participating, Life Insurance Savings Product. You Can Avail Dual Benefits Of Regular Income And Security For Your Family.
image

ICICI Pru Savings Suraksha Endowment Plan

ICICI Pru Savings Suraksha Provides You And Your Family All-Round Protection. In Case Of An Unfortunate Event During The Policy Term.
image

Kotak Assured Income Accelerator

Kotak Assured Income Accelerator Offers A Unique Way To Get Risk Free Returns. It Ensures That You Get Guaranteed Income Every Year On The Same Amount Of Savings.
image

PNB Metlife Smart Platinum Plus

PNB Metlife Smart Platinum Plus - A Whole Life Protection And Savings-Oriented Insurance Plan.
image

PNB Metlife Smart Platinum Plan

PNB Metlife Smart Platinum Is A Unit-Linked Insurance Plan That Gives You The Flexibility To Build Your Investment Portfolio Through 6 Different Funds.
image

HDFC SL Pro Growth Super II

HDFC SL Progrowth Super II Is A Smart Savings-Cum-Insurance Unit Linked Plan That Will Help You To Provide The Finest For Your Family, Be It Today Or Tomorrow.
image

PNB Metlife Mera Wealth Plan

PNB Metlife Mera Wealth Plan, A Unit-Linked Wealth And Savings Plan That Enables You To Create A Financial Blueprint For Your Goals At Every Stage In Life.
image

PNB Metlife Endowment Savings Plan Plus

PNB Metlife Endowment Savings Plan Plus, Is An Endowment Life Insurance Plan That Helps You Accumulate Your Savings For Your Financial Needs At Every Stage Of Life.
image

PNB Metlife Bachat Yojana

Ensure That You And Your Loved Ones Continue To Enjoy A Good Life And Can Meet Present And Future Financial Goals That You Set Out To Achieve, By Building A Small Yet Significant Savings Portfolio.
image

ICICI Pru Assured Savings

ICICI Pru Assured Savings Insurance Plan Provides Your Loved Ones A Lump Sum Pay-Out. This Amount Ensures That Even In Your Absence Your Family Members Are Able To Live The Life You Planned For Them.
image

HDFC Life Sanchay Plus

image

Kotak Secure Return Employee Benefit Plan

Kotak Secure Return Employee Benefit Plan Caters To The Needs Of Employers, Trustees, State Governments, Central Government, Psus To Plan For Funding Group Members' Benefit Schemes.
image

Aviva Guaranteed Income Plan

Aviva Guaranteed Income Plan, A Life Insurance Cum Savings Oriented Plan That Assists You Financially By Guaranteeing Returns In The Form Of 11 Regular Payouts Over 10 Years.
image

Kotak Single Invest Advantage

Kotak Single Invest Advantage, A Hassle-Free Unit Linked Plan, Where You Invest Once And Reap The Benefits Throughout The Policy Term.
image

Aviva Dhan Samruddhi

Aviva Dhan Samruddhi Is A Traditional Life Insurance Plan That Gives Guaranteed Cash Back Every 5 Years In Addition To Guaranteed Maturity Benefit, To Meet Your Short And Long Term Needs.
image

POS-Aviva Dhan Suraksha

POS-Aviva Dhan Suraksha Is A Non Linked Non Participating Life Insurance Cum Savings Oriented Plan.
image

Future Generali Big Income Multiplier

Presenting Future Generali Big Income Multiplier, A Life Insurance Plan Which Guarantees Double Returns Over The Payout Period.
image

Future Generali New Assured Wealth Plan

Future Generali New Assured Wealth Plan, A Life Insurance Plan That Gives You Financial Security In The Form Of Lump Sum Death Benefit And A Guaranteed Lump Sum Amount At The End Of Your Policy Term.
image

Future Generali Money Back Super Plan (POS Variant)

Future Generali Money Back Super Plan, A Savings Life Insurance Plan Which Offers Guaranteed Money Backs At Defined Intervals Along With The Benefit Of A Life Insurance Cover.
image

HDFC Life Sanchay

HDFC Life Sanchay, A Non-Participating Insurance Plan That Offers Guaranteed Benefits Along With Flexibility To Choose Your Investment Horizon.
image

Future Generali Money Back Super Plan (NON-POS Variant)

Future Generali Money Back Super Plan, A Savings Life Insurance Plan Which Offers Guaranteed Money Backs At Defined Intervals Along With The Benefit Of A Life Insurance Cover.
image

Kotak Term Group Plan

Kotak Term Group Plan Provides Life Cover To The Member, By Paying A Lump Sum Benefit To The Beneficiary In Case Of An Unfortunate Event.
image

Kotak Assured Return Employee Benefit Plan

Kotak Assured Return Employee Benefit Plan Is An Insurance Plan Designed For Employers /Trusts, Employer - Employee Groups.
image

Kotak Classic Endowment Plan

Kotak Classic Endowment Plan Is A Long Term Protection Cum Savings Plan That Offers Protection Benefit While Earning Bonuses During The Policy Term.
image

Kotak Group Secure Capital Plan

Kotak Group Secure Capital Plan Is A Non-Participating, Guaranteed Unit Linked Fund Based Group Life Insurance Plan.
image

HDFC Life Pro Growth Plus

HDFC Life Progrowth Plus, A Simple Savings-Cum-Insurance Plan That Will Enable You To Enjoy Life Cover And Benefit From Comfort Of Creating Your Own Investment Strategies.
image

Kotak Single Invest Plus

Kotak Single Invest Plus, A Single Premium Unit Linked Plan Where By Paying Once You Can Reap The Benefits And Moreover While Staying Protected.
image

PNB Metlife Century Plan

PNB Metlife Century Plan, A Participating Life Insurance Plan That Provides You With Income For Whole Life Along With Cover For The Whole Of Life (Till The Age Of 100 Years).
image

ICICI Pru Assured Savings Insurance Plan

ICICI Pru Assured Savings Insurance Plan Is A Non-Linked Non-Par Life Individual Savings Product. It Gives You Guaranteed Savings Benefit To Meet Your Goals.
image

Future Generali Assured Income Plan

Future Generali Assured Income Plan Is A Life Insurance Plan That Provides Life Cover And Ensures That You Get Guaranteed Returns On Your Premiums.
image

Future Generali Assured Wealth Plan

Future Generali New Assured Wealth Plan, A Life Insurance Plan That Gives You Financial Security In Form Of Lumpsum Death Benefit And A Guaranteed Lump Sum Amount At The End Of Your Policy Term.
image

Future Generali Assured Money Back Plans

Future Generali Assured Money Back Plan, A Life Insurance Plan Which Ensures That Your Financial Security Is Guaranteed.

About Guaranteed Maturity

Guaranteed Return Plans
We like certainty in life. It is a remarkable feeling - we want to be assured that our paycheck will arrive on time. We want to be sure that our family will be financially secured, even in our absence. Life insurance can help you get this reassurance.

Likewise a guaranteed investment plan helps to meet your goals like child's education & comfortable retirement or see your family through future emergencies. It also provides you life insurance cover to take care of your family even in your absense.

Types Of Guaranteed Return Plans

1. Guaranteed Savings Plans
Guaranteed savings plans are safe investment plans from life assurance companies. Investment in these plans is tax-deductible under section 80C and therefore the maturity value is tax-free under section 10(10D).

Thus, you've got a savings plan which guarantees a minimum rate of return completely tax-free. you ought to note that these plans guarantee a minimum return on your investment. So, you've got an opportunity to earn higher, but your returns won't drop below the minimum guaranteed amount.


2. Public Provident Fund (PPF) & Sukanya Samriddhi Yojana (SSY)

Both PPF and SSY carry similar investment and return profiles. the sole difference is that anyone can open a PPF account and just one PPF account. However, only a trustee or parent of a woman child can open one SSY per child for up to 2 girls.

So, if you're taking care of a woman child financially you'll open one PPF and one SSY accounts. the utmost investment in both instruments is restricted to Rs. 1.5 lakhs. Both investments offer tax-free maturity value.

Both instruments have a dynamic rate of return which is adjusted at the start of the fiscal year . the traditional maturity period for PPF is 15 years, after which you'll extend the account for an additional 5 years then on.

3. National Savings Certificate (NSC VIII)
National Savings Certificate of NSC VIII-issue is another popular tax saving instrument with guaranteed returns. The returns on new issues are revised at the start of each fiscal year .

Investment in NSC qualifies for the 80C deduction, but the interest accumulated within the account becomes taxable at maturity. The rate applicable to NSC interest is as per your tax slab.

So, you'll say that the returns aren't as guaranteed because it says. But this is often an ideal scheme for you to grow your money safely, as once you invest your rate of interest is fixed.

4. Kisan Vikas Patra (KVP)
KVP investment also offers a hard and fast guaranteed rate of return, which is revised every fiscal year . However, unlike NSC and other investments, KVP doesn't have a particular maturity period. you'll hold KVP until your money investment doubles.

As per the newest rates (w.e.f. 1st April 2020), the cash will double in 124 months or 10 years 4 months. you'll withdraw the whole money then .

You can also withdraw a part of the cash without penalty after 2.5 years. Withdrawals before this era attract lower interest, so you ought to avoid them.

KVP investments don't provide any tax rebate under section 80C. So, the instrument is fully taxable. But you'll got to add the interest to your annual income only at maturity.

5. Bank or Post Office Fixed & Recurring Deposits
Bank and post office fixed deposits are the oldest guaranteed investment schemes in India. you'll choose various maturities with fixed and recurring deposits.

The only difference between a bank fixed deposit and a post office deposit are going to be the TDS deduction. While bank FDs got to deduct 10% TDS per annum on the interest, the post office doesn't .

Both banks and Post Office provide 5-year tax-saving deposits. The investment within the FD is eligible for deduction under section 80C. However, the interest accrued annually is taxable.

Get Quotes