Nishchit Bhavishya
ⓘ Income is exact per the brochure table (% of premium). The maturity (sum-assured) value is indicative.
Your Numbers
Premiums paid vs. income received
Year-by-year projection
| Policy year | Age | Premium this year | Income | Income so far |
|---|---|---|---|---|
| 1 | 36 | ₹75,000 | ₹0 | ₹0 |
| 2 | 37 | ₹75,000 | ₹0 | ₹0 |
| 3 | 38 | ₹75,000 | ₹0 | ₹0 |
| 4 | 39 | ₹75,000 | ₹0 | ₹0 |
| 5 | 40 | ₹75,000 | ₹0 | ₹0 |
| 6 | 41 | ₹75,000 | ₹0 | ₹0 |
| 7 | 42 | ₹75,000 | ₹0 | ₹0 |
| 8 | 43 | ₹75,000 | ₹0 | ₹0 |
| 9 | 44 | ₹75,000 | ₹0 | ₹0 |
| 10 | 45 | ₹75,000 | ₹0 | ₹0 |
| 11 | 46 | ₹0 | ₹33,000 | ₹33,000 |
| 12 | 47 | ₹0 | ₹34,650 | ₹67,650 |
| 13 | 48 | ₹0 | ₹36,300 | ₹1,03,950 |
| 14 | 49 | ₹0 | ₹37,950 | ₹1,41,900 |
| 15 | 50 | ₹0 | ₹39,600 | ₹1,81,500 |
| 16 | 51 | ₹0 | ₹41,250 | ₹2,22,750 |
| 17 | 52 | ₹0 | ₹42,900 | ₹2,65,650 |
| 18 | 53 | ₹0 | ₹44,550 | ₹3,10,200 |
| 19 | 54 | ₹0 | ₹46,200 | ₹3,56,400 |
| 20 | 55 | ₹0 | ₹47,850 | ₹4,04,250 |
| 21 | 56 | ₹0 | ₹49,500 | ₹4,53,750 |
| 22 | 57 | ₹0 | ₹51,150 | ₹5,04,900 |
| 23 | 58 | ₹0 | ₹52,800 | ₹5,57,700 |
| 24 | 59 | ₹0 | ₹54,450 | ₹6,12,150 |
| 25 | 60 | ₹0 | ₹56,100 | ₹6,68,250 |
| 26 | 61 | ₹0 | ₹57,750 | ₹7,26,000 |
| 27 | 62 | ₹0 | ₹59,400 | ₹7,85,400 |
| 28 | 63 | ₹0 | ₹61,050 | ₹8,46,450 |
| 29 | 64 | ₹0 | ₹62,700 | ₹9,09,150 |
| 30 | 65 | ₹0 | ₹0 | ₹9,09,150 |
About IndusInd Nippon Life Nishchit Bhavishya
IndusInd Nippon Life Nishchit Bhavishya (UIN 121N145V02) is a savings plan that pays an increasing annual income (rising 5% each year) plus a fixed loyalty addition at maturity. A second variant also adds money-back payouts in years 4 and 8.
Frequently asked questions
How does the income grow?
The annual income is a percentage of your premium that increases at a simple 5% per year through the payout period, with a fixed loyalty addition paid on top at maturity.
What does Variant 2 add?
Variant 2 pays money-back of 75% of premium at the end of year 4 and 125% at the end of year 8, then income from year 12, plus the maturity benefit.
What are the pay terms?
You pay premiums for 8, 10 or 12 years, with matching policy term options of 24–42 years.
Is the projection exact?
The income (a published % of premium per year) is exact; the maturity (sum-assured plus loyalty addition) shown is indicative.