Commission

Structure
Applicable to all Financial Consultants of Agency Channel

Protection

Traditional

Unit-Linked

Health

Pension
Version 4

Commission Structure update as on 18th Oct 21

 Commission Structure
Applicable to all Financial Consultants of Agency Channel

Protection

Premium Paying First Year Base Renewal

Product
Term (PPT) Commission Commission

Single premium 2.00% -

PPT 5 15.00% 3.00%
PPT 6 18.00% 3.00%
PPT 7 21.00% 3.00%

Click 2 Protect Life PPT 8 24.00% 3.00%

PPT 9 27.00% 3.00%
PPT 10 30.00% 3.00%
PPT 11 33.00% 3.00%
PPT 12+ 35.00% 3.00%

Premium Paying First Year Base Renewal

Product
Term (PPT) Commission Commission
Single premium 2.00% -
Discontinued w.e.f.
20thJan 2021 PPT 5 15.00% 2.00%
PPT 6 18.00% 2.00%
HDFC Life
Click 2 Protect Plus PPT 7 21.00% 2.00%
PPT 8 24.00% 2.00%
-------------
PPT 9 27.00% 2.00%

HDFC Life PPT 10 30.00% 2.00%

Click 2 Protect 3D PPT 11 33.00% 2.00%
Plus
PPT 12+ 35.00% 2.00%

Commission Structure update as on 18th Oct 21

 Commission Structure
Applicable to all Financial Consultants of Agency Channel

Traditional

HDFC Life Sanchay Fixed Maturity Plan

Launched on 14th Oct 2021

First Year Commission

Premium Ticket Base
size Renewal
(Per Policy) Commission
PPT 5 PPT 6 PPT 7 PPT 8 PPT 10 PPT 12

1 to less than 50000 11% 14% 17% 20% 26% 31% 2.00%

50000 to less than

12% 15% 18% 21% 27% 32% 2.00%
100000

100000 to less than

13% 16% 19% 22% 28% 33% 2.00%
150000

150000 to less than

14% 17% 20% 23% 29% 34% 2.00%
200000

200000 & Above 15% 18% 21% 24% 30% 35% 2.00%

Base
Premium Paying First Year
Product Renewal
Term (PPT) Commission
Commission

HDFC Life
Sanchay Fixed Maturity Single Premium 2.00% 0.00%
Plan

Refer Higher Renewal Commission Chart

Commission Structure update as on 18th Oct 21

 Commission Structure
Applicable to all Financial Consultants of Agency Channel

Traditional

Premium Paying First Year Base Renewal

Product
Term (PPT) Commission Commission

Single Premium 2.00% -

HDFC Life
PPT 5 15.00% 3.00%
Sanchay
(Discontinued w.e.f. PPT 8 24.00% 3.00%
14th Oct 2021)
PPT 10 30.00% 3.00%

Premium Paying First Year Base Renewal

Product
Term (PPT) Commission Commission

PPT 5 15.00% 3.00%

HDFC Life PPT 6 18.00% 3.00%

Sanchay Plus PPT 10 30.00% 3.00%

PPT 12 35.00% 3.00%

HDFC Life Sanchay PAR Advantage

First Year Commission
Premium Ticket size Base Renewal
(Per Policy) PPT 6 PPT 8 PPT 10 PPT 12 Commission

1 to less than 50000 14% 20% 26% 31% 3.00%

50000 to less than 100000 15% 21% 27% 32% 3.00%

100000 to less than 150000 16% 22% 28% 33% 3.00%

150000 to less than 200000 17% 23% 29% 34% 3.00%

200000 & Above 18% 24% 30% 35% 3.00%

Refer Higher Renewal Commission Chart

Commission Structure update as on 18th Oct 21

 Commission Structure
Applicable to all Financial Consultants of Agency Channel

Traditional

HDFC Life Super Income Plan

Applicable to all policies having “Risk Commencement Date” on or after 07th Aug’20

First Year Commission

Premium Ticket size Base Renewal
(Per Policy) PPT 5 PPT 8 PPT 10 PPT 12 Commission

1 to less than 50000 11% 20% 26% 31% 6.00%

50000 to less than 100000 12% 21% 27% 32% 6.00%

100000 to less than 150000 13% 22% 28% 33% 6.00%

150000 to less than 200000 14% 23% 29% 34% 6.00%

200000 & above 15% 24% 30% 35% 6.00%

Applicable to all policies having “Risk Commencement Date” on or after 07th Aug’20
Premium Paying First Year Base Renewal
Product
Term (PPT) Commission Commission

HDFC Life
Single Premium 2.00% 0.00%
Super Income Plan

Applicable to all policies having “Risk Commencement Date” on or before 06th Aug’20
Premium Paying First Year Base Renewal
Product
Term (PPT) Commission Commission
Single Premium 2.00% -
HDFC Life PPT 8 24.00% 3.00%
Super Income
PPT 10 30.00% 3.00%
Plan
PPT 12 35.00% 3.00%

Refer Higher Renewal Commission Chart

Commission Structure update as on 18th Oct 21

 Commission Structure
Applicable to all Financial Consultants of Agency Channel

Traditional

Premium Paying Term First Year Base Renewal

Product
(PPT) Commission Commission

PPT 10 30.00% 3.00%

HDFC Life
Sampoorn PPT 11 33.00% 3.00%
Samridhi Plus PPT 12+ 35.00% 3.00%

Premium Paying Term First Year Base Renewal

Product
(PPT) | Policy Term (PT) Commission Commission

PPT 8 | Policy Term 12 20.00% 1.00%

HDFC Life
PPT 8 | Policy Term 15 24.00% 3.00%
Uday
PPT 10 | Policy Term 15 30.00% 3.00%

Premium Paying Term First Year Base Renewal

Product
(PPT) Commission Commission

Single premium 2.00% 0.00%

PPT 5 15.00% 3.00%
PPT 6 18.00% 3.00%
HDFC Life
PPT 7 21.00% 3.00%
Pragati
PPT 8 24.00% 3.00%
PPT 9 27.00% 3.00%
PPT 10 30.00% 3.00%

Commission Structure update as on 18th Oct 21

 Commission Structure
Applicable to all Financial Consultants of Agency Channel

Traditional

Premium Paying First Year Base Renewal

Product
Term (PPT) Commission Commission

PPT 7 16.00% 3.00%

Classic Assure Plus
PPT 10 25.00% 3.00%

PPT 7 21.00% 3.00%

PPT 10 30.00% 3.00%

Youngstar Udaan
(Aspiration) PPT 11 33.00% 3.00%

PPT 12+ 35.00% 3.00%

PPT 7 17.50% 3.00%

PPT 8 24.00% 3.00%

Youngstar Udaan PPT 9 27.00% 3.00%

(Academia &
PPT 10 30.00% 3.00%
Career)
PPT 11 33.00% 3.00%

PPT 12+ 35.00% 3.00%

Single premium 2.00% 0.00%

Top-up premium 2.00% 0.00%

POS – Guaranteed
Savings Plan PPT 5 15.00% 2.00%

PPT 7 21.00% 2.00%

Commission Structure update as on 18th Oct 21

 Commission Structure
Applicable to all Financial Consultants of Agency Channel

Unit - Linked

First Year Base Renewal

Product Mode
Commission Commission

Yearly 6.00% 0.50%

HDFC Life
Half Yearly 6.00% 0.50%
Pro Growth Flexi
Monthly 4.50% 0.50%

Premium
First Year Base Renewal
Product Ticket size
Commission Commission
(Per Policy)

15000 to less
5.00% 0.50%
than 150000

HDFC Life 150000 to less

3.00% 0.50%
Crest than 500000

500000 &
2.00% 0.50%
Above

Premium Paying First Year Base Renewal

Product
Term (PPT) Commission Commission

PPT 10 6.00% 0.50%

Smart woman
PPT 15 7.50% 0.50%

Commission Structure update as on 18th Oct 21

 Commission Structure
Applicable to all Financial Consultants of Agency Channel

Unit - Linked

HDFC LIFE Sampoorna Nivesh

Premium First Year Commission Base
Paying Term Premium Slab Mode Mode Half Mode Mode Renewal
(PPT) Annual Yearly Quarterly Monthly Commission

Less than
6.00% 3.00% 3.00% 3.00% 0.50%
100000

100000 –
4.00% 4.00% 4.00% 4.00% 0.50%
PPT 5 / PPT 7 / 499999

PPT 10+ 500000 –

3.00% 3.00% 3.00% 3.00% 0.50%
999999

1000000 &
2.00% 2.00% 2.00% 2.00% 0.50%
Above

HDFC LIFE Sampoorna Nivesh

Premium
Base Renewal
Paying Term Premium Slab First Year Commission
Commission
(PPT)

Less than
2.00% 0.00%
1000000

Single 1000000 –
1.00% 0.00%
Premium 2499999

2500000 &
0.50% 0.00%
Above

Commission Structure update as on 18th Oct 21

 Commission Structure
Applicable to all Financial Consultants of Agency Channel

Unit - Linked

Premium Paying First Year Base Renewal

Product
Term (PPT) Commission Commission

PG Maximiser Single Premium 2.00% 0.00%

Single Premium 2.00% 0.00%

Annual 5.00% 0.50%

Capital Shield
Half Yearly 2.00% 0.50%
Plan
Quarterly 2.00% 0.50%

Monthly 2.00% 0.50%

Single Premium 2.00% 0.00%

Click2Invest
Regular Premium 2.00% 2.00%

Classic One Single Premium 2.00% 0.00%

First Year Base Renewal

Product
Commission Commission

ProGrowth Super II 6.00% 0.50%

YoungStar Super Premium 6.00% 0.50%

ProGrowth Plus 6.00% 0.50%

Commission Structure update as on 18th Oct 21

 Commission Structure
Applicable to all Financial Consultants of Agency Channel

Health

Premium Paying First Year Base Renewal

Product
Term (PPT) Commission Commission
Single Premium 7.50% -
Year 2&3: 7.5%.
PPT 5 15.00%
Year 4 onwards: 5%
Year 2&3: 7.5%.
PPT 6 18.00%
Year 4 onwards: 5%
Year 2&3: 7.5%.
PPT 7 21.00%
Year 4 onwards: 5%

HDFC Life PPT 8 24.00%

Year 2&3: 7.5%.
Year 4 onwards: 5%
Cardiac Care PPT 9 27.00%
Year 2&3: 7.5%.
Year 4 onwards: 5%
Year 2&3: 7.5%.
PPT 10 30.00%
Year 4 onwards: 5%
Year 2&3: 7.5%.
PPT 11 33.00%
Year 4 onwards: 5%
Year 2&3: 7.5%.
PPT 12+ 35.00%
Year 4 onwards: 5%

Premium Paying First Year Base Renewal

Product
Term (PPT) Commission Commission
Year 2&3: 7.5%
PPT 10 30.00%
Year 4 onwards: 5%
HDFC Life PPT 11 33.00%
Year 2&3: 7.5%
Year 4 onwards: 5%
Cancer Care Year 2&3: 7.5%
PPT 12+ 35.00%
Year 4 onwards: 5%

Premium Paying First Year Base Renewal

Product
Term (PPT) Commission Commission

HDFC Life Single Premium 2.00% 0.00%

Year 2&3: 7.5%
Easy Health Regular Premium 15.00%
Year 4 onwards: 5%

Commission Structure update as on 18th Oct 21

 Commission Structure
Applicable to all Financial Consultants of Agency Channel

Pension

Premium Paying Term First Year Base Renewal

Product
(PPT) Commission Commission

New Immediate
Single Premium 2.00% 0.00%
Annuity Plan

Single Premium
Single Premium 2.00% 0.00%
Pension Super

Pension
Single premium 2.00% 0.00%
Guarantee Plan

First Year Base Renewal

Product
Commission Commission

Personal Pension Plus 7.50% 2.00%

Guaranteed Pension Plan 7.50% 2.00%

Commission Structure update as on 18th Oct 21

 Commission Structure
Applicable to all Financial Consultants of Agency Channel

Pension

Base
First Year
Product Mode | Premium Slab Renewal
Commission
Commission

Mode Yearly 6.00% 1.00%

Mode Half Yearly 3.00% 0.50%

Pension Super
Plus Mode Quarterly 3.00% 0.50%

Mode Monthly 3.00% 0.50%

Premium
2.00% 0.00%
1 – 999999
1000000 –
Single premium 1.00% 0.00%
2499999
2500000 &
0.50% 0.00%
Above

Mode Annual 6.00% 0.50%

Mode Half Yearly 3.00% 0.50%

Premium
Assured Mode Quarterly
1 – 499999
3.00% 0.50%
Pension Plan
Mode Monthly 3.00% 0.50%

Mode Annual 5.00% 0.50%

Mode Half Yearly 3.00% 0.50%

Premium
Mode Quarterly 500000 & Above
3.00% 0.50%

Mode Monthly 3.00% 0.50%

Commission Structure update as on 18th Oct 21

 Commission Structure
Applicable to all Financial Consultants of Agency Channel

Higher Renewal Commission

Products offered for ‘Enhanced Base Renewal Enhanced Renewal

Renewal Commission’ Commission Commission Rate upto

Super Income Plan Y2 + 0.00% Y2 + 6.00%

Click 2 Protect (C2P) 3D Y2 + 2.00% Y2 + 5.00%

Sampoorn Samridhi plus Y2 + 3.00% Y2 + 5.00%

Pro Growth – Flexi Y2 + 0.50% Y2 + 1.75%

Sanchay, Sanchay Plus and

Sanchay PAR Advantage Y2 + 0.00% Y2 + 3.00%

Click 2 Protect Life (C2PL) Y2 + 3.00% Y2 + 6.00%

Sanchay
Fixed Maturity Plan Y2 + 0.00% Y2 + 2.00%

Please note that ‘Enhanced Renewal Commission’ is applicable only for the product “C2P 3D” and not applicable for “C2P
Plus”. C2P Plus will attract only base rate for renewal commission.

*Basis FYWRP Slab Achievement

Business Year | Benefit Year

Disclaimer:
FYWRP achievement (Business Year) for FY 21-22 includes
policies sourced between 01st Apr’21 to 31st Mar 22 &
converted as per year end

FYWRP achievement (Business Year) for FY 22-23 includes

policies sourced between 01st Apr’22 to 31st Mar 23 &
converted as per year end

Business Year Benefit Year

Commission Structure update as on 18th Oct 21

 Commission Structure
Applicable to all Financial Consultants of Agency Channel

Higher Renewal Commission

Enhanced Renewal Rates for :
1. Policies issued in FY 20-21 will be applied on meeting the FYWRP slabs in FY 21-22
2. Policies issued in FY 21-22 will be applied on meeting the FYWRP slabs in FY 22-23
Higher Renewal Commission + Base Renewal Commission
FYWRP Slab
Products
1,50,000 to 3,00,000 to 5,00,000 to 7,50,000 to
50,000 to Less 10,00,000
Less than Less than Less than Less than
than 1,50,000 & Above
3,00,000 5,00,000 7,50,000 10,00,000

Year 2 to Year 5
4.00% 4.50% 4.75% 5.00% 5.50% 6.00%
HDFC Life Super
Income Plan Year 6 onwards
3.00% 3.00% 3.00% 3.00% 3.00% 3.00%
Year 2 onwards
HDFC Life Click 2
Protect Life 3.50% 4.00% 4.50% 5.00% 5.50% 6.00%

Year 2 onwards
HDFC Life Click 2
Protect 3D Plus 3.00% 3.25% 3.75% 4.00% 4.50% 5.00%

Year 2 to Year 5
4.00% 4.50% 4.75% 5.00% 5.00% 5.00%
HDFC Sampoorn
Samridhi Plus Year 6 onwards
3.00% 3.00% 3.00% 3.00% 3.00% 3.00%
Year 2 to Year 4

HDFC SL ProGrowth 1.00% 1.50% 1.75% 1.75% 1.75% 1.75%

Flexi Year 5 onwards
0.50% 0.50% 0.50% 0.50% 0.50% 0.50%
HDFC Life Sanchay, Year 2 onwards
Sanchay Plus and
Sanchay Par 0.25% 0.75% 1.00% 1.25% 2.00% 3.00%
Advantage
Year 2 onwards
HDFC Life Sanchay
Fixed Maturity Plan 0.25% 0.75% 1.00% 1.25% 1.50% 2.00%

*Refer Enhanced Renewal Commission scheme ppt for all terms and condition
Commission Structure update as on 18th Oct 21
 Commission
Structure
Applicable to all Financial Consultants of Agency Channel

Happy Selling!

Commission Structure update as on 18th Oct 21