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1 Crore Investment Plan

A 1-crore savings plan is a powerful avenue for individuals to secure their financial future. You can use the corpus to achieve your goals. With a well-structured 1-crore savings plan, you can embark on a path towards financial security, growth, and success.


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Features and Benefits of HDFC Life Sanchay Par Advantage

Why Should You Consider a 1-Crore Investment Plan?

one crore investment plan
July 12, 2023

Today’s dynamic economic landscape has made planning for the future crucial. A well-structured investment plan helps you fulfil your dreams, secure your family’s future, and achieve significant milestones. Many young professionals wonder about how much they need in the future. Let’s better understand a 1-crore investment plan. We’ll learn what it is, how it works, and how it can help you safeguard your financial future.

What is a 1-Crore Savings Plan?

A 1-crore savings plan is a financial tool that helps individuals accumulate a corpus of 1 crore over a specific period. Savings plans provide guaranteed returns or a fixed maturity amount. You don’t have to worry about high-risk investments and volatile returns. A 1-crore investment plan empowers you to create a significant financial cushion for the future. It also provides life insurance coverage, providing your loved ones with a financial security net in times of need.

How Does a 1-Crore Savings Plan Work?

A 1-crore savings plan works on consistent savings and compounding interest. When you opt for a 1-crore savings plan, you deposit a fixed amount of money at regular intervals for a predetermined period. The accumulated funds earn returns that get reinvested. Over time, you enjoy higher returns due to compounding interest. Ultimately, the plan aims to build a corpus of INR 1 crore over the policy term.

Benefits of a 1-Crore Savings Plan

Considering purchasing a savings plan? Here’s how a 1-crore policy can benefit you:

  • Offers Financial Security
    A 1-crore savings plan offers significant financial security. You can create a substantial corpus to take care of future financial goals. These plans also provide life insurance coverage, securing your family’s financial future after an unexpected event.
  • Helps You Achieve Your Goals
    You can use the corpus from the 1-crore savings plan to meet your financial goals. You could buy a home, fund your child’s higher education, meet your retirement needs and more. The disciplined savings approach helps you realise your dreams and aspirations.
  • Boosts Wealth Creation
    Building a corpus of INR 1 crore through your savings plan facilitates wealth creation. You enjoy exponential growth with the power of compounding.
  • Enhances Tax Efficiency
    Savings plans offer tax benefits and deductions under Section 80C of the Income Tax Act. You can use the policy to build wealth for the future while optimising your taxes in the present.
  • Mitigates Investment Risk
    Many people invest in market-linked equities to build a substantial corpus. When you choose a savings plan, you diversify your portfolio with guaranteed returns and low-risk instruments. It helps balance your portfolio and provides stable and steady returns.

What to Consider When Investing in a 1-Crore Savings Plan

Before selecting a 1-crore investment plan, ensure you evaluate the following:

  • Financial Goals and Timelines
    Clearly define your financial goals and when you hope to achieve them. Aligning your investment plan with short-term and long-term goals helps you fulfil your financial dreams.
  • Available Plans and Benefits
    Thoroughly research the various savings plans offered by insurance companies. Compare their historical performance, fees, and flexibility. Ensure you consider the company’s customer reviews and claim settlement ratio. Select a credible company to safeguard your capital and grow your wealth.
  • Life Coverage
    Consider the amount of coverage required. Evaluate your Human Life Value (HLV) and select a plan that fulfils your needs. Remember, the payout should safeguard your family’s finances.
  • Historical Performance
    Examine the track record and historical returns of various savings plans. Although past performance cannot guarantee future returns, it offers insights into potential returns. Look for policies that provide consistency and stability.

A 1-crore savings plan is a powerful avenue for individuals to secure their financial future. You can use the corpus to achieve your goals. Understanding how these plans work enables you to select the ideal policy for your needs. Before you finalise a financial plan, assess your future requirements. List your goals and timelines and identify avenues that help you achieve them. With a well-structured 1-crore savings plan, you can embark on a path towards financial security, growth, and success.

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Author Profile Written By:
Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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Reviewed by Life Insurance Experts


We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.

1.Guaranteed Benefit is paid on survival during Policy Term provided all due Premium(s) are paid during the premium payment term.

2.Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime.

Get Rs. 10, 10,871 (annually) from 21th year to 30th year. Policy Term = 20 Years + Income Period = 10 Years with HDFC Life Sanchay Plus Plan

ARN - ED/06/23/2889