Bonus Rate

Bandhan Life Jeevan Shanti Insurance Plan (UIN: 138N055V01)
Policy Term 10 years 15 years 20 years
FY 24-25 1.76% 3.98% 4.20%
FY 23-24 1.41% 3.90% 4.20%
FY 22-23 1.13% 3.90% 4.20%
FY 21-22 0.90% 3.90% 4.20%
FY 20-21 0.72% 3.62% 3.97%
FY 19-20 0.72% 3.62% 3.97%
FY 18-19 0.72% 3.62% 3.97%
FY 17-18 0.72% 3.62% 3.97%
FY 16-17 0.72% 3.62% 3.97%
FY 15-16 0.72% 3.62% 3.97%
Bandhan Life Regular Money Back Insurance Plan (UIN:138N056V01)
Policy Term 20 years
FY 24-25 3.32%
FY 23-24 2.68%
FY 22-23 2.68%
FY 21-22 2.68%
FY 20-21 2.14%
FY 19-20 2.14%
FY 18-19 2.14%
FY 17-18 2.14%
FY 16-17 2.14%
FY 15-16 2.14%
Bandhan Life Regular Money Back Insurance Plan - Single Pay (UIN: 138N056V01)
Policy Term 20 years
FY 24-25 9.83%
FY 23-24 7.86%
FY 22-23 7.86%
FY 21-22 7.86%
FY 20-21 6.29%
FY 19-20 6.29%
FY 18-19 6.29%
FY 17-18 6.29%
FY 16-17 6.29%
FY 15-16 6.29%
Bandhan Life Regular Money Back Insurance Plan (post 2019 regulation)(UIN:138N056V01)
Policy Term 20 years
FY 24-25 2.68%
FY 23-24 2.68%
FY 22-23 2.68%
FY 21-22 2.68%
FY 20-21 2.14%
FY 19-20 2.14%
FY 18-19 2.14%
FY 17-18 2.14%
FY 16-17 2.14%
FY 15-16 2.14%
Bandhan Life Regular Money Back Insurance Plan - Single Pay (post 2019 regulation)(UIN:138N056V01)
Policy Term 20 years
FY 24-25 9.65%
FY 23-24 7.86%
FY 22-23 7.86%
FY 21-22 7.86%
FY 20-21 6.29%
FY 19-20 6.29%
FY 18-19 6.29%
FY 17-18 6.29%
FY 16-17 6.29%
FY 15-16 6.29%
Bandhan Life Jeevan Riddhi Insurance Plan (UIN: 138N058V01)
Policy Term All
FY 24-25 6.43%
FY 23-24 6.15%
FY 22-23 6.15%
FY 21-22 6.15%
FY 20-21 5.40%
FY 19-20 5.40%
FY 18-19 5.40%
FY 17-18 5.40%
FY 16-17 5.40%
FY 15-16 5.40%
Bandhan Life Jeevan Riddhi Insurance Plan (UIN: 138N058V02)
Policy Term All
FY 24-25 5.95%
FY 23-24 5.95%
FY 22-23 5.95%
FY 21-22 5.95%
FY 20-21 5.40%
FY 19-20 5.40%
FY 18-19 5.40%
FY 17-18 NA
FY 16-17 NA
FY 15-16 NA
Bandhan Life Premier Endowment Insurance Plan (UIN: 138N051V01)
Policy Term 5 years 10 years 15 years 20 years
FY 24-25 9.54% 9.54% 8.56% 7.61%
FY 23-24 9.40% 9.40% 8.21% 7.58%
FY 22-23 8.13% 8.13% 7.86% 7.58%
FY 21-22 6.50% 6.50% 7.13% 7.58%
FY 20-21 5.20% 5.20% 5.70% 6.06%
FY 19-20 5.20% 5.20% 5.70% 6.06%
FY 18-19 NA 5.20% 5.70% 6.06%
FY 17-18 NA 5.20% 5.70% 6.06%
FY 16-17 NA 5.20% 5.70% 6.06%
FY 15-16 NA 5.20% 5.70% 6.06%
Bandhan Life Premier Endowment Insurance Plan - Single Pay (UIN: 138N051V01)
Policy Term 10 years
FY 24-25 8.33%
FY 23-24 6.66%
FY 22-23 5.33%
FY 21-22 4.26%
FY 20-21 3.41%
FY 19-20 3.41%
FY 18-19 3.41%
FY 17-18 3.41%
FY 16-17 3.41%
FY 15-16 3.41%
Bandhan Life Educare Advantage Insurance Plan (UIN: 138N041V02)
Policy Term 14 years 16 years 20 years
FY 24-25 8.43% 8.10% 8.15%
FY 23-24 7.69% 7.59% 7.85%
FY 22-23 7.24% 7.41% 7.76%
FY 21-22 7.24% 7.41% 7.76%
FY 20-21 5.79% 5.93% 6.21%
FY 19-20 5.79% 5.93% 6.21%
FY 18-19 5.79% 5.93% 6.21%
FY 17-18 5.79% 5.93% 6.21%
FY 16-17 5.79% 5.93% 6.21%
FY 15-16 5.79% 5.93% 6.21%
Bandhan Life Guaranteed Income Advantage Insurance Plan (UIN: 138N040V02)
Policy Term All
FY 24-25 5.05%
FY 23-24 4.04%
FY 22-23 4.04%
FY 21-22 4.04%
FY 20-21 3.23%
FY 19-20 3.23%
FY 18-19 3.23%
FY 17-18 3.23%
FY 16-17 3.23%
FY 15-16 3.23%
Bandhan Life Flexi Money Back Advantage Insurance Plan (UIN: 138N044V02)
Policy Term 14 years 17 years 21 years
FY 24-25 6.48% 6.59% 7.06%
FY 23-24 5.96% 6.24% 6.79%
FY 22-23 5.86% 6.14% 6.64%
FY 21-22 5.86% 6.14% 6.64%
FY 20-21 4.69% 4.91% 5.31%
FY 19-20 4.69% 4.91% 5.31%
FY 18-19 4.69% 4.91% 5.31%
FY 17-18 4.69% 4.91% 5.31%
FY 16-17 4.69% 4.91% 5.31%
FY 15-16 4.69% 4.91% 5.31%
Bandhan Life Educare Plus Plan (UIN: 138N041V01)
Policy Term All
FY 24-25 10.01%
FY 23-24 9.42%
FY 22-23 8.97%
FY 21-22 8.13%
FY 20-21 6.50%
FY 19-20 6.50%
FY 18-19 6.50%
FY 17-18 6.50%
FY 16-17 6.50%
FY 15-16 6.50%
Bandhan Life Guaranteed Income Plus Plan (UIN: 138N040V01)
Policy Term All
FY 24-25 9.63%
FY 23-24 8.13%
FY 22-23 8.13%
FY 21-22 8.13%
FY 20-21 6.50%
FY 19-20 6.50%
FY 18-19 6.50%
FY 17-18 6.50%
FY 16-17 6.50%
FY 15-16 6.50%
Bandhan Life Flexi Money Back Plus Insurance Plan (UIN: 138N044V01)
Policy Term All
FY 24-25 11.21%
FY 23-24 10.61%
FY 22-23 10.20%
FY 21-22 9.38%
FY 20-21 7.50%
FY 19-20 7.50%
FY 18-19 7.50%
FY 17-18 7.50%
FY 16-17 7.50%
FY 15-16 7.50%
Bandhan Life Educare Plan (UIN: 138N036V01)
Policy Term All
FY 24-25 10.18%
FY 23-24 9.86%
FY 22-23 7.89%
FY 21-22 6.31%
FY 20-21 5.05%
FY 19-20 5.05%
FY 18-19 5.05%
FY 17-18 5.05%
FY 16-17 5.05%
FY 15-16 5.05%
Bandhan Life Guaranteed Income Plan (UIN: 138N034V01)
Policy Term All
FY 24-25 9.85%
FY 23-24 7.88%
FY 22-23 7.88%
FY 21-22 7.88%
FY 20-21 6.30%
FY 19-20 6.30%
FY 18-19 6.30%
FY 17-18 6.30%
FY 16-17 6.30%
FY 15-16 6.30%
Bandhan Life Flexi Money Back Insurance Plan (UIN: 138N035V01)
Policy Term All
FY 24-25 8.53%
FY 23-24 8.07%
FY 22-23 7.69%
FY 21-22 7.69%
FY 20-21 6.15%
FY 19-20 6.15%
FY 18-19 6.15%
FY 17-18 6.15%
FY 16-17 6.15%
FY 15-16 6.15%
Bandhan Life Money Back Plus Plan (UIN: 138N022V01)
Policy Term All
FY 24-25 6.48%
FY 23-24 5.18%
FY 22-23 4.14%
FY 21-22 3.31%
FY 20-21 2.65%
FY 19-20 2.65%
FY 18-19 2.65%
FY 17-18 2.65%
FY 16-17 2.65%
FY 15-16 2.65%
Bandhan Life Endowment Plan (UIN: 138N031V01)
Policy Term 15 years 20 years 25 years
FY 24-25 4.39% 4.81% 5.26%
FY 23-24 3.51% 4.54% 5.19%
FY 22-23 2.81% 3.91% 5.00%
FY 21-22 2.25% 3.13% 4.00%
FY 20-21 1.80% 2.50% 3.20%
FY 19-20 1.80% 2.50% 3.20%
FY 18-19 1.80% 2.50% 3.20%
FY 17-18 1.80% 2.50% 3.20%
FY 16-17 1.80% 2.50% 3.20%
FY 15-16 1.80% 2.50% 3.20%
Bandhan Life Endowment Advantage Plan (UIN: 138N032V01)
Policy Term 15 years 20 years 25 years
FY 24-25 5.86% 5.44% 6.25%
FY 23-24 4.69% 5.29% 6.25%
FY 22-23 3.75% 4.23% 5.16%
FY 21-22 3.00% 3.38% 4.13%
FY 20-21 2.40% 2.70% 3.30%
FY 19-20 2.40% 2.70% 3.30%
FY 18-19 2.40% 2.70% 3.30%
FY 17-18 2.40% 2.70% 3.30%
FY 16-17 2.40% 2.70% 3.30%
FY 15-16 2.40% 2.70% 3.30%
Bandhan Life Pension Plan (UIN: 138N029V01)
Policy Term up to 15 years 16 - 25 years more than 25 years
FY 24-25 13.51% 8.68% 9.45%
FY 23-24 12.67% 8.61% 9.43%
FY 22-23 11.75% 8.07% 9.28%
FY 21-22 11.00% 7.40% 8.35%
FY 20-21 1.60% 2.00% 2.40%
FY 19-20 1.60% 2.00% 2.40%
FY 18-19 1.60% 2.00% 2.40%
FY 17-18 1.60% 2.00% 2.40%
FY 16-17 1.60% 2.00% 2.40%
FY 15-16 1.60% 2.00% 2.40%

For Reversionary bonus declared as a percentage of Sum Assured (since inception)- Click here

Notes:

1. The bonus rates mentioned above are not an indicator of future bonuses. The future bonus rates will depend upon several factors including but not limited to investment performance, Company's view of future economic environment, expenses, cost of providing risk benefits and applicable taxes.

2. The latest Reversionary Bonus rates will vest on the policy anniversary of the respective policy holders

3. For the latest financial year, the interim bonus rates are same as declared Reversionary Bonus rates.

Bandhan Life Pension Plan (UIN: 138N029V01)
Entry Age NA
Premium Paying Term NA
FY 24-25 5.00%
FY 23-24 5.00%
FY 22-23 5.00%
FY 21-22 5.00%
FY 20-21 5.00%
FY 19-20 5.00%
FY 18-19 5.00%
FY 17-18 5.00%
FY 16-17 5.00%
FY 15-16 5.00%
FY 14-15 5.00%
Bandhan Life Educare Plan (138N036V01)
Entry Age 0- < 50 >=50 - < 60 >=60
Premium Paying Term NA NA NA
FY 24-25 0.00% 0.00% 0.00%
FY 23-24 15.50% 34.50% 62.50%
FY 22-23 21.00% 21.00% 21.00%
FY 21-22 NA NA NA
FY 20-21 NA NA NA
FY 19-20 NA NA NA
FY 18-19 NA NA NA
FY 17-18 NA NA NA
FY 16-17 NA NA NA
FY 15-16 NA NA NA
FY 14-15 NA NA NA
Bandhan Life Endowment Advantage Plan (138N032V01)
Entry Age NA NA
Premium Paying Term 7 15
FY 24-25 41.00% 7.50%
FY 23-24 NA NA
FY 22-23 NA NA
FY 21-22 NA NA
FY 20-21 NA NA
FY 19-20 NA NA
FY 18-19 NA NA
FY 17-18 NA NA
FY 16-17 NA NA
FY 15-16 NA NA
FY 14-15 NA NA
Bandhan Life Flexi Money Back Plan (138N035V01
Entry Age NA
Premium Paying Term NA
FY 24-25 11.00%
FY 23-24 NA
FY 22-23 NA
FY 21-22 NA
FY 20-21 NA
FY 19-20 NA
FY 18-19 NA
FY 17-18 NA
FY 16-17 NA
FY 15-16 NA
FY 14-15 NA
Bandhan Life Premier Endowment Insurance Plan (138N051V01)

FY 24-25

Click here

FY 23-24

Click here


For Bandhan Life Premier Endowment Insurance Plan, there were no applicable policies for which terminal bonuses were not required to be declared prior to FY 2024-25.

Bandhan Life Endowment Plan (138N031V01)

For Bandhan Life Endowment Plan, there were no applicable policies for which terminal bonuses were not required to be declared prior to FY 2025-26.

Bandhan Life Jeevan Shanti Insurance Plan (138N055V01)

For Bandhan Life Jeevan Shanti Insurance Plan, there were no applicable policies for which terminal bonuses were not required to be declared prior to FY 2025-26

Notes:

1. The bonus rates mentioned above are not an indicator of future bonuses. The future bonus rates will depend upon several factors including but not limited to investment performance, Company's view of future economic environment, expenses, cost of providing risk benefits and applicable taxes.

2. The above Terminal Bonus rates are expressed as a % of Base Sum Assured.

3. The above Terminal Bonus rates are applicable only for the policies maturing in FY 2025-26 (April’25-March’26)  

Bandhan Life Shubh Samriddhi (138N097V01)

For Bandhan Life Shubh Samriddhi, there were no applicable policies for which terminal bonuses were not required to be declared prior to FY 2025-26

Notes:

1. The bonus rates mentioned above are not an indicator of future bonuses. The future bonus rates will depend upon several factors including but not limited to investment performance, Company's view of future economic environment, expenses, cost of providing risk benefits and applicable taxes.

2. The bonus rates are applicable in FY 2025-26

3. The interim bonus rates are same as mentioned above.

4. The bonus rates are payable as per the payment frequency chosen by the policyholders