SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Bonus Rates declared as a result of Valuation as at 31st March 2020

Table A: Simple Reversionary, Interim and Terminal Bonus Rates for Participating Traditional
Products

Terminal
Product Name, Premium Policy Term, in Reversionary Interim
S. No. Bonus
UIN, Plan Type Type years Bonus Rate Bonus Rate
Rate
5-9 Run Off Run Off Run Off
10-14 2.50% 2.50% 30.00%
Regular
15 - 19 2.50% 2.50% 30.00%
Premium
20 - 24 2.00% 2.00% -
Sudarshan Plan A 25 & above 2.00% 2.00% -
UIN: 111N008V01 5-9 Run Off Run Off Run Off
10-14 3.50% 3.50% 30.00%
Single
15 - 19 3.50% 3.50% 30.00%
Premium
20 - 24 3.00% 3.00% -
1 25 & above 3.00% 3.00% -
5-9 Run Off Run Off Run Off
10-14 2.50% 2.50% 30.00%
Regular
15 - 19 2.50% 2.50% 30.00%
Premium
20 - 24 2.00% 2.00% -
Sudarshan Plan B 25 & above 2.00% 2.00% -
UIN: 111N008V01 5-9 Run Off Run Off Run Off
10-14 3.50% 3.50% 40.00%
Single
15 - 19 3.50% 3.50% 40.00%
Premium
20 - 24 3.00% 3.00% -
25 & above 3.00% 3.00% -

____________________________________________________________________________________________________
Registered & Corporate Office: Natraj, M.V. Road and Western Express Highway Junction, Andheri (East), Mumbai 400 069.
Tel.: (022) 6191 0000 / 3968 0000. Fax: (022) 6191 0170. Website: www.sbilife.co.in CIN: L99999MH2000PLC129113
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Policy Interim Terminal

Product Name, UIN, Premium Reversionary
S. No. Term, in Bonus Bonus
Plan Type Type Bonus Rate
years Rate Rate

6-11 Run Off Run Off Run Off

Regular
12-16 4.00% 4.00% 30.00%
Premium
Scholar 17 - 21 4.00% 4.00% 30.00%
2
UIN: 111N004V01 6-11 Run Off Run Off Run Off
Single
12-16 4.25% 4.25% 30.00%
Premium
17 - 21 4.25% 4.25% 30.00%
6-11 3.50% 3.50% 35.00%
Regular
12-16 3.50% 3.50% 35.00%
Premium
Scholar II 17 - 21 3.50% 3.50% -
3
UIN: 111N020V01 6-11 4.75% 4.75% 30.00%
Single
12-16 4.75% 4.75% 30.00%
Premium
17 - 21 4.75% 4.75% -
10 (Plan-1) 2.50% 2.50% 40.00%
Money Back Regular 15 (Plan-2) 2.50% 2.50% 40.00%
4
UIN: 111N019V01 Premium 20 (Plan-3) 2.00% 2.00% -
25 (Plan-4) 2.00% 2.00% -
15 (Plan-1) 4.25% 4.25% 40.00%
Regular 20 (Plan-2) 3.75% 3.75% -
Premium 20 (Plan-3) 3.75% 3.75% -
Sanjeevan Supreme 25 (Plan-4) 3.75% 3.75% -
5
UIN: 111N016V01 15 (Plan-1) 4.50% 4.50% 40.00%
Single 20 (Plan-2) 4.00% 4.00% -
Premium 20 (Plan-3) 4.00% 4.00% -
25 (Plan-4) 4.00% 4.00% -

____________________________________________________________________________________________________
Registered & Corporate Office: Natraj, M.V. Road and Western Express Highway Junction, Andheri (East), Mumbai 400 069.
Tel.: (022) 6191 0000 / 3968 0000. Fax: (022) 6191 0170. Website: www.sbilife.co.in CIN: L99999MH2000PLC129113
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Policy Interim Terminal

Product Name, UIN, Plan Premium Reversionary
S. No. Term, in Bonus Bonus
Type Type Bonus Rate
years Rate Rate
5-9 3.50% 3.50% 35.00%
10-14 3.50% 3.50% 35.00%
Regular
15 - 19 3.50% 3.50% -
Premium
20 - 24 3.50% 3.50% -
Shubh Nivesh
25 & above 3.50% 3.50% -
UIN: 111N055V01
Plan 1 - Endowment Option 5-9 3.50% 3.50% 35.00%
10-14 3.50% 3.50% 35.00%
Single
Premium 15 - 19 3.50% 3.50% -
20 - 24 3.50% 3.50% -
25 & above 3.50% 3.50% -
6
5-9 3.50% 3.50% 35.00%
10-14 3.50% 3.50% 35.00%
Regular
15 - 19 3.50% 3.50% -
Premium
20 - 24 3.50% 3.50% -
Shubh Nivesh
25 & above 3.50% 3.50% -
UIN: 111N055V01
Plan 2 - Whole Life Option 5-9 3.50% 3.50% 35.00%
10-14 3.50% 3.50% 35.00%
Single
Premium 15 - 19 3.50% 3.50% -
20 - 24 3.50% 3.50% -
25 & above 3.50% 3.50% -
7-9 3.25% 3.25% 20.00%
10-14 3.25% 3.25% -
Regular
15 - 19 3.25% 3.25% -
Premium
20 - 24 3.25% 3.25% -
Shubh Nivesh 25 & above 3.25% 3.25% -
UIN: 111N055V02
Plan 1 - Endowment Option 5-9 3.25% 3.25% 35.00%
10-14 3.25% 3.25% -
Single
15 - 19 3.25% 3.25% -
7 Premium
20 - 24 3.25% 3.25% -
25 & above 3.25% 3.25% -
15 - 19 3.25% 3.25% -
Regular
20 - 24 3.25% 3.25% -
Premium
Shubh Nivesh 25 & above 3.25% 3.25% -
UIN: 111N055V02
Plan 1 - Whole Life Option 15 - 19 3.25% 3.25% -
Single
20 - 24 3.25% 3.25% -
Premium
25 & above 3.25% 3.25% -

____________________________________________________________________________________________________
Registered & Corporate Office: Natraj, M.V. Road and Western Express Highway Junction, Andheri (East), Mumbai 400 069.
Tel.: (022) 6191 0000 / 3968 0000. Fax: (022) 6191 0170. Website: www.sbilife.co.in CIN: L99999MH2000PLC129113
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Policy Interim Terminal

Product Name, UIN, Premium Reversionary
S. No. Term, in Bonus Bonus
Plan Type Type Bonus Rate
years Rate Rate

7-9 3.15% 3.15% -

10-14 3.15% 3.15% -
Regular
15 - 19 3.15% 3.15% -
Premium
20 - 24 3.15% 3.15% -
Shubh Nivesh
UIN: 111N055V03 25 & above 3.15% 3.15% -
Plan 1 - Endowment 5-9 3.25% 3.25% -
Option
10-14 3.25% 3.25% -
Single
15 - 19 3.25% 3.25% -
8 Premium
20 - 24 3.25% 3.25% -
25 & above 3.25% 3.25% -
15 - 19 3.15% 3.15% -
Regular
20 - 24 3.15% 3.15% -
Shubh Nivesh Premium
UIN: 111N055V03 25 & above 3.15% 3.15% -
Plan 1 - Whole Life 15 - 19 3.25% 3.25% -
Option Single
20 - 24 3.25% 3.25% -
Premium
25 & above 3.25% 3.25% -
7-9 3.15% 3.15% -
10-14 3.15% 3.15% -
Regular
15 - 19 3.15% 3.15% -
Premium
20 - 24 3.15% 3.15% -
Shubh Nivesh
UIN: 111N055V04 25 & above 3.15% 3.15% -
Plan 1 - Endowment 5-9 3.25% 3.25% -
Option
10-14 3.25% 3.25% -
Single
15 - 19 3.25% 3.25% -
9 Premium
20 - 24 3.25% 3.25% -
25 & above 3.25% 3.25% -
15 - 19 3.15% 3.15% -
Regular
20 - 24 3.15% 3.15% -
Shubh Nivesh Premium
UIN: 111N055V04 25 & above 3.15% 3.15% -
Plan 1 - Whole Life 15 - 19 3.25% 3.25% -
Option Single
20 - 24 3.25% 3.25% -
Premium
25 & above 3.25% 3.25% -

____________________________________________________________________________________________________
Registered & Corporate Office: Natraj, M.V. Road and Western Express Highway Junction, Andheri (East), Mumbai 400 069.
Tel.: (022) 6191 0000 / 3968 0000. Fax: (022) 6191 0170. Website: www.sbilife.co.in CIN: L99999MH2000PLC129113
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Interim Terminal
Product Name, UIN, Premium Policy Term, Reversionary
S. No. Bonus Bonus
Plan Type Type in years Bonus Rate
Rate Rate

20 (Plan 1) 2.00% 2.00% 30.00%

Sanjeevan Single
10 15 (Plan 2) Run Off Run Off Run Off
UIN: 111N001V01 Premium
10 (Plan 3) Run Off Run Off Run Off

Young Sanjeevan Single

11 All Run Off Run Off Run Off
UIN: 111N002V01 Premium

10 (Plan-1) 3.50% 3.50% 15.00%

Saral Life Regular 15 (Plan-2) 3.50% 3.50% -
12
UIN: 111N071V01 Premium 20 (Plan-3) 3.50% 3.50% -
25 (Plan-4) 3.50% 3.50% -
12 (Plan-1) 3.25% 3.25% -
Smart Money Back 15 (Plan-2) 3.25% 3.25% -
Regular
13 Insurance
Premium 20 (Plan-3) 3.25% 3.25% -
UIN: 111N082V01
25 (Plan-4) 3.25% 3.25% -
5 (Plan-1) Run Off Run Off Run Off
Smart Income Protect Regular
14 10 (Plan-2) 3.50% 3.50% -
UIN: 111N085V01 Premium
15 (Plan-3) 3.50% 3.50% -
7 (Plan-1) 3.00% 3.00% -
Smart Income Protect Regular
15 12 (Plan-2) 3.00% 3.00% -
UIN: 111N085V02 Premium
15 (Plan-3) 3.00% 3.00% -
7 (Plan-1) 3.00% 3.00% -
Smart Income Protect Regular
16 12 (Plan-2) 3.00% 3.00% -
UIN: 111N085V03 Premium
15 (Plan-3) 3.00% 3.00% -
7 (Plan-1) 3.00% 3.00% -
Smart Income Protect Regular
17 12 (Plan-2) 3.00% 3.00% -
UIN: 111N085V04 Premium
15 (Plan-3) 3.00% 3.00% -

____________________________________________________________________________________________________
Registered & Corporate Office: Natraj, M.V. Road and Western Express Highway Junction, Andheri (East), Mumbai 400 069.
Tel.: (022) 6191 0000 / 3968 0000. Fax: (022) 6191 0170. Website: www.sbilife.co.in CIN: L99999MH2000PLC129113
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Interim Terminal
Product Name, UIN, Premium Policy Term, Reversionary
S. No. Bonus Bonus
Plan Type Type in years Bonus Rate
Rate Rate

Regular
All 3.50% 3.50% -
Premium
Saral Pension
18
UIN: 111N088V01 Single
All 3.50% 3.50% 15.00%
Premium

Regular
All 3.25% 3.25% -
Saral Pension Premium
19
UIN: 111N088V02
Single
All 3.50% 3.50% 15.00%
Premium

Regular
All 3.25% 3.25% -
Premium
Saral Pension
20
UIN: 111N088V03
Single
All 3.50% 3.50% -
Premium

12 (Plan-1) 3.00% 3.00% -

Smart Money Back Gold Regular 15 (Plan-2) 3.00% 3.00% -
21
UIN: 111N096V01 Premium 20 (Plan-3) 3.00% 3.00% -
25 (Plan-4) 3.00% 3.00% -
12 (Plan-1) 2.75% 2.75% -
Smart Money Back Gold Regular 15 (Plan-2) 2.75% 2.75% -
22
UIN: 111N096V02 Premium 20 (Plan-3) 2.75% 2.75% -
25 (Plan-4) 2.75% 2.75% -
15 (Plan-1) 2.75% 2.75% -
Regular
20 (Plan-2) 2.75% 2.75% -
Premium
Smart Money Back Gold 25 (Plan-3) 2.75% 2.75% -
23
UIN: 111N096V03 15 (Plan-1) 2.75% 2.75% -
Single
20 (Plan-2) 2.75% 2.75% -
Premium
25 (Plan-3) 2.75% 2.75% -

____________________________________________________________________________________________________
Registered & Corporate Office: Natraj, M.V. Road and Western Express Highway Junction, Andheri (East), Mumbai 400 069.
Tel.: (022) 6191 0000 / 3968 0000. Fax: (022) 6191 0170. Website: www.sbilife.co.in CIN: L99999MH2000PLC129113
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Interim Terminal
Product Name, UIN, Premium Policy Term, Reversionary
S. No. Bonus Bonus
Plan Type Type in years Bonus Rate
Rate Rate

8-11 3.00% 3.00% -

Regular
12-16 3.00% 3.00% -
Premium
Smart Champ Insurance 17 - 21 3.00% 3.00% -
24
UIN: 111N098V01 8-11 3.50% 3.50% -
Single
12-16 3.50% 3.50% -
Premium
17 - 21 3.50% 3.50% -
8-11 3.00% 3.00% -
Regular
12-16 3.00% 3.00% -
Premium
Smart Champ Insurance 17 - 21 3.00% 3.00% -
25
UIN: 111N098V02 8-11 3.50% 3.50% -
Single
12-16 3.50% 3.50% -
Premium
17 - 21 3.50% 3.50% -
8-11 3.00% 3.00% -
Regular
12-16 3.00% 3.00% -
Premium
Smart Champ Insurance 17 - 21 3.00% 3.00% -
26
UIN: 111N098V03 8-11 3.50% 3.50% -
Single
12-16 3.50% 3.50% -
Premium
17 - 21 3.50% 3.50% -
15 (Plan-1) 3.50% 3.50% -
Regular 20 (Plan-2) 3.50% 3.50% -
Premium 20 (Plan-3) 3.50% 3.50% -
Smart Money Planner 25 (Plan-4) 3.50% 3.50% -
27
UIN: 111N101V01 15 (Plan-1) 3.50% 3.50% -
Single 20 (Plan-2) 3.50% 3.50% -
Premium 20 (Plan-3) 3.50% 3.50% -
25 (Plan-4) 3.50% 3.50% -
15 (Plan-1) 3.50% 3.50% -
Regular 20 (Plan-2) 3.50% 3.50% -
Premium 20 (Plan-3) 3.50% 3.50% -
Smart Money Planner 25 (Plan-4) 3.50% 3.50% -
28
UIN: 111N101V02 15 (Plan-1) 3.50% 3.50% -
Single 20 (Plan-2) 3.50% 3.50% -
Premium 20 (Plan-3) 3.50% 3.50% -
25 (Plan-4) 3.50% 3.50% -

____________________________________________________________________________________________________
Registered & Corporate Office: Natraj, M.V. Road and Western Express Highway Junction, Andheri (East), Mumbai 400 069.
Tel.: (022) 6191 0000 / 3968 0000. Fax: (022) 6191 0170. Website: www.sbilife.co.in CIN: L99999MH2000PLC129113
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Interim Terminal
Product Name, UIN, Premium Policy Term, Reversionary
S. No. Bonus Bonus
Plan Type Type in years Bonus Rate
Rate Rate

15 (Plan-1) 3.50% 3.50% -

Regular 20 (Plan-2) 3.50% 3.50% -
Premium 20 (Plan-3) 3.50% 3.50% -
Smart Money Planner 25 (Plan-4) 3.50% 3.50% -
29
UIN: 111N101V03 15 (Plan-1) 3.50% 3.50% -
Single 20 (Plan-2) 3.50% 3.50% -
Premium 20 (Plan-3) 3.50% 3.50% -
25 (Plan-4) 3.50% 3.50% -
10 - 14 3.00% 3.00% -
Smart Humsafar Regular 15 - 19 3.00% 3.00% -
30
UIN: 111N103V01 Premium 20 - 24 3.00% 3.00% -
25 & above 3.00% 3.00% -
10 - 14 3.00% 3.00% -
Smart Humsafar Regular 15 - 19 3.00% 3.00% -
31
UIN: 111N103V02 Premium 20 - 24 3.00% 3.00% -
25 & above 3.00% 3.00% -
10 - 14 3.00% 3.00% -
Smart Humsafar Regular 15 - 19 3.00% 3.00% -
32
UIN: 111N103V03 Premium 20 - 24 3.00% 3.00% -
25 & above 3.00% 3.00% -
Smart Women Advantage Regular 10 3.00% 3.00% -
33
UIN: 111N106V01 Premium 15 3.00% 3.00% -
10 - 14 2.65% 2.65% -
Smart Bachat Regular 15 - 19 3.00% 3.00% -
34
UIN: 111N108V01 Premium 20 - 24 3.00% 3.00% -
25 3.00% 3.00% -
10 - 14 2.65% 2.65% -
Smart Bachat Regular 15 - 19 3.00% 3.00% -
35
UIN: 111N108V02 Premium 20 - 24 3.00% 3.00% -
25 3.00% 3.00% -
12 - 14 2.65% 2.65% -
Smart Bachat Regular 15 - 19 3.00% 3.00% -
36
UIN: 111N108V03 Premium 20 - 24 3.00% 3.00% -
25 3.00% 3.00% -

____________________________________________________________________________________________________
Registered & Corporate Office: Natraj, M.V. Road and Western Express Highway Junction, Andheri (East), Mumbai 400 069.
Tel.: (022) 6191 0000 / 3968 0000. Fax: (022) 6191 0170. Website: www.sbilife.co.in CIN: L99999MH2000PLC129113
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Reversionary and Interim Bonus Rates are a percentage of Sum Assured.

Terminal Bonus is a percentage of the total amount of bonuses allocated including Simple Reversionary,
Interim and Special bonuses, if any.

A 5% terminal bonus would be payable in case of death or surrender after 15 years of commencement of
policy and where premiums have been paid for at least 15 years or is fully paid-up policy, where the terminal
bonus has not been declared.

____________________________________________________________________________________________________
Registered & Corporate Office: Natraj, M.V. Road and Western Express Highway Junction, Andheri (East), Mumbai 400 069.
Tel.: (022) 6191 0000 / 3968 0000. Fax: (022) 6191 0170. Website: www.sbilife.co.in CIN: L99999MH2000PLC129113
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Table B: Accumulating, Interim and Terminal Bonus Rates for Participating Accumulating /
Variable Insurance Products

Table B1- Accumulating Pension Products

Policy Regular Interim Terminal Bonus

Sr. Term Accumulating Bonus Rate Rate as % of Total
Product Name Premium Type
No. (in Bonus Rate as as % of Bonus Allocated to
years) % of PFA PFA PFA
Life Long Pension Plan Regular Premium All 7.50% 7.50% 7.50%
1 – Individual
(UIN: 111N011V01) Single Premium All 7.50% 7.50% 7.50%
Life Long Pension Plan
2 – Group Regular Premium All 7.50% 7.50% 7.50%
(UIN: 111N012V01)

PFA: Policyholder Fund Account

Table B2 - VIP Products

Minimum Regular Interim Terminal

Guaranteed Bonus Bonus Bonus Rate as
Policy
Sr. Product Name, Premium Bonus interest Interest % of PAV
Term, in
No. UIN, Plan Type Type Interest Rate as Rate as
years
Rate as % of % of % of
PAV PAV PAV
Flexi Smart Plus -
Individual Regular
1 All 1.00% 6.25% 6.00% 3.00%
(UIN: Premium
111N093V01)

PAV: Policy Account Value

For details of the applicability of the bonus rates, please refer to the policy document.

____________________________________________________________________________________________________
Registered & Corporate Office: Natraj, M.V. Road and Western Express Highway Junction, Andheri (East), Mumbai 400 069.
Tel.: (022) 6191 0000 / 3968 0000. Fax: (022) 6191 0170. Website: www.sbilife.co.in CIN: L99999MH2000PLC129113