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Declared Bonus Rates for FY 2024 - 25​


Edelweiss Life – Pension Plan​ (UIN: 147N025V01)

Terminal Bonus Rate per thousand Sum Assured

FY 2024 - 25
No. of Years Premium Paid Bonus Rate
2-5 125.0
6 150.0
7 175.0
8 200.0
9 225.0
10 250.0
11 275.0
12 300.0
13 325.0
14 350.0

*In case a policy has paid 6 years and 6 months premium, the applicable bonus will be 175.0. In case of fully paid-up policies, policy year of exit will be considered. ​

$Terminal Bonus Rate = Bonus Rate * (Number of premiums paid*/ Number of premiums payable)​

Edelweiss Life – Smart Lifestyle (UIN:147N040V01)

Simple Reversionary Bonus (RB) rates per thousand Sum Assured

FY 2024 - 25
Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55

Edelweiss Life – Smart Lifestyle (UIN:147N040V02)

Simple Reversionary Bonus (RB) rates per thousand Sum Assured

FY 2024 - 25
Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55

Edelweiss Life – Smart Lifestyle (UIN:147N040V03)

Simple Reversionary Bonus (RB) rates per thousand Sum Assured

FY 2024 - 25
Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55

Edelweiss Life – Cashflow Protection Plus (UIN:147N028V01)

Simple Reversionary Bonus (RB) rates per thousand Sum Assured – During PPT

FY 2024 - 25
Premium Paying Term 10 15 20 25
Bonus Rate​ 42 44 48 54

Edelweiss Life – Cashflow Protection Plus (UIN:147N028V02)

Simple Reversionary Bonus (RB) rates per thousand Sum Assured – During PPT

FY 2024 - 25
Premium Paying Term 10 15 20 25
Bonus Rate​ 42 44 48 54

Edelweiss Life – Cashflow Protection Plus (UIN:147N028V01, 147N028V02, 147N028V03)

Cash Bonus rates per thousand Sum Assured – Post PPT

FY 2024 - 25
Premium Paying Term 10 Pay
Bonus Rate​ 42

Edelweiss Life – Cashflow Protection (UIN:147N009V01)

Cash Bonus rates per thousand Sum Assured

FY 2024 - 25
Premium Paying Term All
Bonus Rate​ 40

Edelweiss Life – Milestones Plan (UIN:147N024V01)

Simple Reversionary Bonus (RB) rates per thousand Sum Assured​ (Limited Pay)

FY 2024 - 25
Premium Paying Term 16 20 25 30
Bonus Rate​ 21 22 25 29

Edelweiss Life – EduSave (UIN:147N022V01)​

Simple Reversionary Bonus (RB) rates per thousand Sum Assured

 FY 2024 - 25
Premium Paying Term Policy Term
10 – 14 15 16 – 19 20-24 25-29 30
10 Pay NA​ 35​ 35​ 45.5​ 59 75
Limited Pay (PT Less 5) NA​ NA 33.5 36.5​ 44 51
Regular Pay 22 25.5 25.5 30 37.5 44.5

Edelweiss Life – Triple Advantage Plan (UIN:147N032V01)

Simple Reversionary Bonus (RB) rates per thousand Sum Assured​

FY 2024 - 25
Premium Paying Term Policy Term
45 – 49 50-54 55 – 59 60-64 65-69 70-100
10 Pay NA​ 82 70​ 62​ 57 54
15 Pay 91 73 63 57​ 56 56
20 Pay NA 76 65 58 58 58​
25 Pay NA NA 69 62 60 60

Edelweiss Life – Triple Advantage Plan (UIN:147N032V01)

Simple Reversionary Bonus 2 (RB) rates per thousand Sum Assured – After PPT

FY 2024 - 25
Premium Paying Term Policy Term
45 – 49 50-54 55 – 59 60-64 65-69 70-100
10 Pay NA​ 82 70​ 62​ 57 54
15 Pay 91 73 63 57​ 56 56
20 Pay NA 76 65 58 58 58​
25 Pay NA NA 69 62 60 60

Edelweiss Life – MultiGain Plan (UIN:147N017V01)

Simple Reversionary Bonus (RB) rates per thousand Sum Assured​ (Regular Pay)

FY 2024 - 25
Premium Paying Term 20 25 30
Bonus Rate 35 37 39

Edelweiss Life – Save n Grow Plan (UIN:147N016V01)​

Simple Reversionary Bonus (RB) rates per thousand Sum Assured​​

FY 2024 - 25
Premium Paying Term Policy Term
15 20 25 30
10 Pay 25 31 37 43
15 Pay 24 29 34 39
Regular Pay 24 28 31 34

Edelweiss Life – Save n Prosper (UIN:147N020V01)

Simple Reversionary Bonus (RB) rates per thousand Sum Assured​

FY 2024 - 25
Premium Paying Term Policy Term
15-19 20-24 25-29 30-34 35
10 Pay 35 47 60 78 NA
15 Pay NA 38 52 68 82
Regular Pay 27 31 35 39 42

Edelweiss Life – Pension Plan (UIN:147N025V01)

Compound Reversionary Bonus (RB) rates per thousand Sum Assured​

FY 2024 - 25
Premium Paying Term Single Pay​

5​ Pay

10​ Pay​

Regular Pay
Bonus Rate 74 66 56 37

Edelweiss Life – Flexi Savings Plan (Flexi Income & Flexi Income Option Pro) ​
(UIN:147N075V01, 147N075V02, 147N075V03)

FY 2024 - 25
Bonus type PT PPT Bonus Rate

Cash Bonus (For premium paying policies) (During PPT) ​

(Income Start Year 2)

All 8 13.60
All 10 13.60
All 12 13.60
All 15 13.60

Cash Bonus (For reduced paid up policies) (During PPT)​

(Income Start Year 2)

All 8 10.00
All 10 10.00
All 12 10.00
All 15 10.00
Cash Bonus (During PPT) (Income Start Year 5) All All 10.00

Reversionary Bonus (During PPT)​

(Income Start Year 5)

All 8 18.00
All 10 18.00
All 12 18.00
All 15 28.00

Reversionary Bonus (During PPT)​

(Income Start Year PPT+1)

All 8 18.00
All 10 18.00
All 12 21.70
All 15 33.00
Bonus (on Accrual Survival Benefits for premium paying policies)# All All 43.70
Bonus (on Accrual Survival Benefits for reduced paidup policies)# All All 36.00

Edelweiss Life – Flexi Savings Plan (Large Sum Option) (UIN:147N075V01, 147N075V02, 147N075V03)​

Reversionary Bonus (RB) rates per thousand Sum Assured

FY 2024 - 25
Premium Paying Term​ Policy Term
10 15 20 25 30
5 Pay 12 18 30 45 50
8 Pay 15 22 30 45 50
10 Pay NA 22 30 45 50
12 Pay NA 22 30 45 50
15 Pay NA NA 30 45 50

Edelweiss Life – Active Income Plan​ (UIN:147N065V01, 147N065V02)

FY 2024 - 25    
BONUS TYPE​ PT PPT Bonus rate
Cash Bonus (for Paid-up Additions)*​ All All 30.5
Interim Cash Bonus (for premium paying or fully paid up policies) (Early Income Option) All All 40
Interim Cash Bonus (for reduced paid up policies) (Early Income Option) All All 32

*per 1000 of ‘Cumulative Paid-up Additions on Maturity’​

Edelweiss Life – Legacy Plus Plan​ (UIN: 147N090V01, 147N090V02)

FY 2024 - 25
Bonus type PT PPT Bonus Rate
Cash Bonus All All 22.2
Bonus (on Accrual Survival Benefits)# All All 43.70

#per 1000 of ‘Accrued Survival Benefits’

The above simple and compound reversionary rates are applicable for the policies in force for full sum assured as on 31st March, 2025 for products other than pension plan and pension plan respectively. The above bonus rates are applicable till the next bonus declaration.​

Declared Bonus Rates for Participating Policies (Consolidated)

 
Edelweiss Life - Smart Lifestyle (UIN:147N040V01)
Simple Reversionary Bonus (RB) rates per thousand Sum Assured
FY 2024 - 25
Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55
FY 2023 - 24
Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55
FY 2022 - 23
Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55
FY 2021 - 22
Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55

FY 2020 - 21

Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55

FY 2019 - 20

Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Smart Lifestyle (UIN:147N040V02)
Simple Reversionary Bonus (RB) rates per thousand Sum Assured
FY 2024 - 25
Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55
FY 2023 - 24
Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55
FY 2022 - 23
Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55
FY 2021 - 22
Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55

FY 2020 - 21

Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55

FY 2019 - 20

Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year-end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years are not guaranteed and may vary depending on the PAR fund performance. 
incase a policy has paid 6 years and 6 months premium, the applicable bonus will be 150.0. In case of fully paid-up policies, policy year of exit will be considered. Refer to slide 3 of the consolidated bonus ppt

Edelweiss Life – Smart Lifestyle (UIN:147N040V03)
Simple Reversionary Bonus (RB) rates per thousand Sum Assured
FY 2024 - 25
Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55
FY 2023 - 24
Policy Term Bonus Rate
10 - 14 years 35
15 - 20 years 55

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year-end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years are not guaranteed and may vary depending on the PAR fund performance. 

Edelweiss Life – Pension Plan (UIN:147N025V01)
Terminal Bonus Rate per thousand Sum Assured
FY 2023 - 24
No. of Years Premium Paid Proposed Bonus Rate
6 125
7 150
8 175
9 200
10 225
11 250
12 275

*In case a policy has paid 6 years and 6 months premium, the applicable bonus will be 150.0. In case of fully paid-up policies, policy year of exit will be considered.
$Terminal Bonus Rate = Proposed Bonus Rate * (Number of premiums paid/ Number of premiums payable)

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year-end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years are not guaranteed and may vary depending on the PAR fund performance. 

Edelweiss Life – Cashflow Protection Plus (UIN:147N028V01) 
Simple Reversionary Bonus (RB) rates per thousand Sum Assured - During PPT
FY 2024 - 25
Premium Paying Term 10 15 20 25
Bonus Rate 42 44 48 54
Edelweiss Life – Cashflow Protection Plus (UIN:147N028V01) 
Simple Reversionary Bonus (RB) rates per thousand Sum Assured
FY 2023 - 24
Premium Paying Term 10 15 20 25
Bonus Rate 42 44 48 54
FY 2022 - 23
Premium Paying Term 10 15 20 25
Bonus Rate 42 44 48 54
FY 2021 - 22
Premium Paying Term 10 15 20 25
Bonus Rate 42 44 48 54
FY 2020 - 21
Premium Paying Term 10 15 20 25
Bonus Rate 42 44 48 54
FY 2019 – 20
Premium Paying Term 10 15 20 25
Bonus Rate 42 44 48 54

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Cashflow Protection Plus (UIN:147N028V02) 
Simple Reversionary Bonus (RB) rates per thousand Sum Assured - During PPT
FY 2024 – 25
Premium Paying Term 10 15 20 25
Bonus Rate 42 44 48 54
Edelweiss Life – Cashflow Protection Plus (UIN:147N028V02) 
Simple Reversionary Bonus (RB) rates per thousand Sum Assured 
FY 2023 – 24
Premium Paying Term 10 15 20 25
Bonus Rate 42 44 48 54
FY 2022 – 23
Premium Paying Term 10 15 20 25
Bonus Rate 42 44 48 54
FY 2021 – 22
Premium Paying Term 10 15 20 25
Bonus Rate 42 44 48 54
FY 2020 - 21
Premium Paying Term 10 15 20 25
Bonus Rate 42 44 48 54
FY 2019 - 20
Premium Paying Term 10 15 20 25
Bonus Rate 42 44 48 54

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year-end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years are not guaranteed and may vary depending on the PAR fund performance. 

Edelweiss Life – Cashflow Protection Plus (UIN:147N028V03) 
Simple Reversionary Bonus (RB) rates per thousand Sum Assured - During PPT
FY 2024 – 25
Premium Paying Term 10 15 20 25
Bonus Rate 42 44 48 54

Edelweiss Life – Cashflow Protection Plus (UIN:147N028V03) 

Simple Reversionary Bonus (RB) rates per thousand Sum Assured 

FY 2023 – 24
Premium Paying Term 10 15 20 25
Bonus Rate 42 44 48 54

Edelweiss Life – Cashflow Protection Plus (UIN:147N028V01, 147N028V02, 147N028V03)​ 

Cash Bonus rates per thousand Sum Assured – Post PPT​

FY 2024 – 25
Premium Paying Term 10 Pay
Bonus Rate 42

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year-end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years are not guaranteed and may vary depending on the PAR fund performance. 

Edelweiss Life – Flexi Savings Plan (Flexi Income Option & Flexi Income Option Pro) (UIN: 147N075V01,147N075V02,147N075V03)

FY 2024 - 25(Summary)
Bonus type PT PPT Bonus Rate

Cash Bonus (For premium paying policies) (During PPT) ​

(Income Start Year 2)

All 8 13.60
All 10 13.60
All 12 13.60
All 15 13.60

Cash Bonus (For reduced paid up policies) (During PPT)​

(Income Start Year 2)

All 8 10.00
All 10 10.00
All 12 10.00
All 15 10.00
Cash Bonus (During PPT) (Income Start Year 5) All All 10.00

Reversionary Bonus (During PPT)​

(Income Start Year 5)

All 8 18.00
All 10 18.00
All 12 18.00
All 15 28.00

Reversionary Bonus (During PPT)​

(Income Start Year PPT+1)

All 8 18.00
All 10 18.00
All 12 21.70
All 15 33.00
Bonus (on Accrual Survival Benefits for premium paying policies)# All All 43.70
Bonus (on Accrual Survival Benefits for reduced paidup policies)# All All 36.00

#per 1000 of ‘Accrued Survival Benefits’

Edelweiss Life – Flexi Savings Plan (Flexi Income Option & Flexi Income Option Pro) (UIN: 147N075V01,147N075V02,147N075V03)

Cash Bonus Rate per thousand Sum Assured

FY 2024 - 2025
Premium Paying Term Income Start Year
Income Start Year 2 Income Start Year 5
8 Pay 13.60 10
10 Pay 13.60 10
12 Pay 13.60 10
15 Pay 13.60 10

Disclaimer - The Cash Bonus rates are applicable for the in-force policies as on the date of payment. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Flexi Savings Plan (Flexi Income Option & Flexi Income Option Pro) (UIN: 147N075V01)

Cash Bonus Rate per thousand Sum Assured

FY 2023 - 24
Premium Paying Term Income Start Year
Income Start Year 2 Income Start Year 5
8 Pay 13.60 10
10 Pay 13.60 10
12 Pay 13.60 10
15 Pay 13.60 10
FY 2022 - 2023
Premium Paying Term Income Start Year
Income Start Year 2 Income Start Year 5
8 Pay 13.60 10
10 Pay 13.60 10
12 Pay 13.60 10
15 Pay 13.60 10

Disclaimer - The Cash Bonus rates are applicable for the in-force policies as on the date of payment. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Flexi Savings Plan (Flexi Income Option & Flexi Income Option Pro) (UIN: 147N075V02)

Cash Bonus Rate per thousand Sum Assured

FY 2023 - 24
Premium Paying Term Income Start Year
Income Start Year 2 Income Start Year 5
8 Pay 13.6 10
10 Pay 13.6 10
12 Pay 13.6 10
15 Pay 13.6 10
FY 2022 - 23
Premium Paying Term Income Start Year
Income Start Year 2 Income Start Year 5
8 Pay 13.6 10
10 Pay 13.6 10
12 Pay 13.6 10
15 Pay 13.6 10

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on 31st March 2022. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Flexi Savings Plan (Flexi Income Option & Flexi Income Option Pro) (UIN: 147N075V01,147N075V02,147N075V03)

Reversionary Bonus (RB) rates per thousand Sum Assured

FY 2024 - 25
Premium Paying Term Income Start Year
Income Start Year 5 Income Start Year PPT+1
8 Pay 18 18
10 Pay 18 18
12 Pay 18 21.70
15 Pay 28 33

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on 31st March 2022. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Flexi Savings Plan(Flexi Income & Flexi Income Option Pro) (UIN:147N075V01)​

Reversionary Bonus (RB) rates per thousand Sum Assured

FY 2023 - 24
Premium Paying Term Income Start Year
Income Start Year 5 Income Start Year PPT+1
8 Pay 18 18
10 Pay 18 18
12 Pay 18 21.7
15 Pay 28 33
FY 2022 - 23
Premium Paying Term Income Start Year
Income Start Year 5 Income Start Year PPT+1
8 Pay 18 18
10 Pay 18 18
12 Pay 18 21.7
15 Pay 28 33

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on 31st March 2022. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Flexi Savings Plan (Flexi Income Option & Flexi Income Option Pro) (UIN: 147N075V02)
Reversionary Bonus (RB) rates per thousand Sum Assured

FY 2023 - 24
Premium Paying Term Income Start Year
Income Start Year 5 Income Start Year PPT+1
8 Pay 18 18
10 Pay 18 18
12 Pay 18 21.7
15 Pay 28 33
FY 2022 - 23
Premium Paying Term Income Start Year
Income Start Year 5 Income Start Year PPT+1
8 Pay 18 18
10 Pay 18 18
12 Pay 18 21.7
15 Pay 28 33

Edelweiss Life – Flexi Savings Plan (Large Sum Option) (UIN:147N075V01, 147N075V02, 147N075V03)​

 Reversionary Bonus (RB) rates per thousand Sum Assured

FY 2024 - 25
Premium Paying Term​ Policy Term
10 15 20 25 30
5 Pay 12 18 30 45 50
8 Pay 15 22 30 45 50
10 Pay NA 22 30 45 50
12 Pay NA 22 30 45 50
15 Pay NA NA 30 45 50

Edelweiss Life – Flexi Savings Plan (Large Sum Option)(UIN: 147N075V01)
Reversionary Bonus (RB) rates per thousand Sum Assured

FY 2023 - 24
Premium Paying Term Policy Term
10 15 20 25 30
5 Pay 12 18 30 45 50
8 Pay 15 22 30 45 50
10 Pay NA 22 30 45 50
12 Pay NA 22 30 45 50
15 Pay NA NA 30 45 50
FY 2022 - 23
Premium Paying Term Policy Term
10 15 20 25 30
5 Pay 12 18 30 45 50
8 Pay 15 22 30 45 50
10 Pay NA 22 30 45 50
12 Pay NA 22 30 45 50
15 Pay NA NA 30 45 50

Edelweiss Life – Flexi Savings Plan (Large Sum Option)(UIN: 147N075V02)
Reversionary Bonus (RB) rates per thousand Sum Assured

FY 2022 - 23
Premium Paying Term Policy Term
10 15 20 25 30
5 Pay 12 18 30 45 50
8 Pay 15 22 30 45 50
10 Pay NA 22 30 45 50
12 Pay NA 22 30 45 50
15 Pay NA NA 30 45 50
FY 2022 - 23
Premium Paying Term Policy Term
10 15 20 25 30
5 Pay 12 18 30 45 50
8 Pay 15 22 30 45 50
10 Pay NA 22 30 45 50
12 Pay NA 22 30 45 50
15 Pay NA NA 30 45 50

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Milestones Plan (UIN:147N024V01) 
Simple Reversionary Bonus (RB) rates per thousand Sum Assured 
FY 2024 – 25
Policy Term 16 20 25 30
Bonus Rate 21 22 25 29
FY 2023 – 24
Policy Term 16 20 25 30
Bonus Rate 21 22 25 29
FY 2022 – 23
Policy Term 16 20 25 30
Bonus Rate 21 22 25 29
FY 2021 – 22
Policy Term 16 20 25 30
Bonus Rate 21 22 25 29
FY 2020 – 21
Policy Term 16 20 25 30
Bonus Rate 21 22 25 29
FY 2019 – 20
Policy Term 16 20 25 30
Bonus Rate 21 22 25 29
FY 2018 – 19
Policy Term 16 20 25 30
Bonus Rate 21 22 25 29
FY 2017 – 18
Policy Term 16 20 25 30
Bonus Rate 21 22 25 29
FY 2016 – 17
Policy Term 16 20 25 30
Bonus Rate 21 22 25 29
One Time Special Bonus Declared in FY 2016-17
Policy Term 16 20 25 30
Bonus Rate 3 4 5 6
FY 2015 – 16
Policy Term 16 20 25 30
Bonus Rate 21 22 25 29
FY 2014 – 15
Policy Term 16 20 25 30
Bonus Rate 21 22 25 29
FY 2013 – 14
Policy Term 16 20 25 30
Bonus Rate 21 22 25 29

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year-end. The rates shown are only for the year
mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years are not guaranteed and may vary
depending on the PAR fund performance. 

Edelweiss Life – EduSave (UIN:147N022V01) 
Simple Reversionary Bonus (RB) rates per thousand Sum Assured 
FY 2024 – 25
Premium Paying Term Policy Term
10 – 14 15 16 – 19 20 – 24 25 – 29 30
10 Pay NA 35 35 45.5 59 75
Limited Pay (PT Less 5) NA NA 33.5 36.5 44 51
Regular Pay 22 25.5 25.5 30 37.5 44.5
FY 2023 – 24
Premium Paying Term Policy Term
10 – 14 15 16 – 19 20 – 24 25 – 29 30
10 Pay NA 35 35 45.5 59 75
Limited Pay NA NA 33.5 36.5 44 51
Regular Pay 22 25.5 25.5 30 37.5 44.5
FY 2022 – 23
Premium Paying Term Policy Term
10 – 14 15 16 – 19 20 – 24 25 – 29 30
10 Pay NA 35 35 45.5 59 75
Limited Pay NA NA 33.5 36.5 44 51
Regular Pay 22 25.5 25.5 30 37.5 44.5
FY 2021 – 22
Premium Paying Term Policy Term
10 – 14 15 16 – 19 20 – 24 25 – 29 30
10 Pay NA 35 35 45.5 59 75
Limited Pay NA NA 33.5 36.5 44 51
Regular Pay 22 25.5 25.5 30 37.5 44.5
FY 2020 – 21
Premium Paying Term Policy Term
10 – 14 15 16 – 19 20 – 24 25 – 29 30
10 Pay NA 35 35 45.5 59 75
Limited Pay NA NA 33.5 36.5 44 51
Regular Pay 22 25.5 25.5 30 37.5 44.5
FY 2019 – 20
Premium Paying Term Policy Term
10 – 14 15 16 – 19 20 – 24 25 – 29 30
10 Pay NA 35 35 45.5 59 75
Limited Pay NA NA 33.5 36.5 44 51
Regular Pay 22 25.5 25.5 30 37.5 44.5
FY 2018 – 19
Premium Paying Term Policy Term
10 – 14 15 16 – 19 20 – 24 25 – 29 30
10 Pay NA 35 35 45.5 59 75
Limited Pay NA NA 33.5 36.5 44 51
Regular Pay 22 25.5 25.5 30 37.5 44.5
FY 2017 – 18
Premium Paying Term Policy Term
10 – 14 15 16 – 19 20 – 24 25 – 29 30
10 Pay NA 35 35 45.5 59 75
Limited Pay NA NA 33.5 36.5 44 51
Regular Pay 22 25.5 25.5 30 37.5 44.5
One Time Special Bonus Declared in FY 2016-17
Premium Paying Term Policy Term
10 – 14 15 16 – 19 20 – 24 25 – 29 30
10 Pay NA 5 5 7 9.8 12
Limited Pay NA NA 4.5 5.3 6 8
Regular Pay 3.5 3.5 3.5 4 5.3 6.8
FY 2016 – 17
Premium Paying Term Policy Term
10 – 14 15 16 – 19 20 – 24 25 – 29 30
10 Pay NA 35 35 45.5 59 75
Limited Pay NA NA 33.5 36.5 44 51
Regular Pay 22 25.5 25.5 30 37.5 44.5
FY 2015 – 16
Premium Paying Term Policy Term
10 – 14 15 16 – 19 20 – 24 25 – 29 30
10 Pay NA 35 35 45.5 59 75
Limited Pay NA NA 33.5 36.5 44 51
Regular Pay 22 25.5 25.5 30 37.5 44.5
FY 2014 – 15
Premium Paying Term Policy Term
10 – 14 15 16 – 19 20 – 24 25 – 29 30
10 Pay NA 35 35 45.5 59 75
Limited Pay NA NA 33.5 36.5 44 51
Regular Pay 22 25.5 25.5 30 37.5 44.5
FY 2013 – 14
Premium Paying Term Policy Term
10 – 14 15 16 – 19 20 – 24 25 – 29 30
10 Pay NA 35 35 45.5 59 75
Limited Pay NA NA 33.5 36.5 44 51
Regular Pay 22 25.5 25.5 30 37.5 44.5

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Triple Advantage Plan (UIN:147N032V01)
Simple Reversionary Bonus (RB) rates per thousand Sum Assured 
FY 2024 – 25
Premium Paying Term Policy Term
45 – 49 50 – 54 55 – 59 60 – 64 65 – 69 70 – 100
10 Pay NA 82 70 62 57 54
15 Pay 91 73 63 57 56 56
20 Pay NA 76 65 58 58 58
25 Pay NA NA 69 62 60 60
FY 2023 – 24
Premium Paying Term Policy Term
45 – 49 50 – 54 55 – 59 60 – 64 65 – 69 70 – 100
10 Pay NA 82 70 62 57 54
15 Pay 91 73 63 57 56 56
20 Pay NA 76 65 58 58 58
25 Pay NA NA 69 62 60 60
FY 2022 – 23
Premium Paying Term Policy Term
45 – 49 50 – 54 55 – 59 60 – 64 65 – 69 70 – 100
10 Pay NA 82 70 62 57 54
15 Pay 91 73 63 57 56 56
20 Pay NA 76 65 58 58 58
25 Pay NA NA 69 62 60 60
FY 2021 – 22
Premium Paying Term Policy Term
45 – 49 50 – 54 55 – 59 60 – 64 65 – 69 70 – 100
10 Pay NA 82 70 62 57 54
15 Pay 91 73 63 57 56 56
20 Pay NA 76 65 58 58 58
25 Pay NA NA 69 62 60 60
FY 2020 – 21
Premium Paying Term Policy Term
45 – 49 50 – 54 55 – 59 60 – 64 65 – 69 70 – 100
10 Pay NA 82 70 62 57 54
15 Pay 91 73 63 57 56 56
20 Pay NA 76 65 58 58 58
25 Pay NA NA 69 62 60 60
FY 2019 – 20
Premium Paying Term Policy Term
45 – 49 50 – 54 55 – 59 60 – 64 65 – 69 70 – 100
10 Pay NA 82 70 62 57 54
15 Pay 91 73 63 57 56 56
20 Pay NA 76 65 58 58 58
25 Pay NA NA 69 62 60 60
FY 2018 – 19
Premium Paying Term Policy Term
45 – 49 50 – 54 55 – 59 60 – 64 65 – 69 70 – 100
10 Pay NA 82 70 62 57 54
15 Pay 91 73 63 57 56 56
20 Pay NA 76 65 58 58 58
25 Pay NA NA 69 62 60 60
FY 2017 – 18
Premium Paying Term Policy Term
45 – 49 50 – 54 55 – 59 60 – 64 65 – 69 70 – 100
10 Pay NA 82 70 62 57 54
15 Pay 91 73 63 57 56 56
20 Pay NA 76 65 58 58 58
25 Pay NA NA 69 62 60 60
FY 2016 – 17
Premium Paying Term Policy Term
45 – 49 50 – 54 55 – 59 60 – 64 65 – 69 70 – 100
10 Pay NA 82 70 62 57 54
15 Pay 91 73 63 57 56 56
20 Pay NA 76 65 58 58 58
25 Pay NA NA 69 62 60 60
One Time Special Bonus Declared in FY 2016-17
Premium Paying Term Policy Term
45 – 49 50 – 54 55 – 59 60 – 64 65 – 69 70 – 100
10 Pay NA 10 8.5 7.5 6.5 6
15 Pay 11.5 9 8 7.5 7 7
20 Pay NA 10 8.5 7.5 7.5 7.5
25 Pay NA NA 9.5 8.5 8 8
FY 2015 – 16
Premium Paying Term Policy Term
45 – 49 50 – 54 55 – 59 60 – 64 65 – 69 70 – 100
10 Pay NA 82 70 62 57 54
15 Pay 91 73 63 57 56 56
20 Pay NA 76 65 58 58 58
25 Pay NA NA 69 62 60 60

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Triple Advantage Plan (UIN:147N032V01)

Simple Reversionary Bonus 2 (RB) rates per thousand Sum Assured – After PPT​

FY 2024 – 25
Premium Paying Term Policy Term
45 – 49 50 – 54 55 – 59 60 – 64 65 – 69 70 – 100
10 Pay NA 82 70 62 57 54
15 Pay 91 73 63 57 56 56
20 Pay NA 76 65 58 58 58
25 Pay NA NA 69 62 60 60
Edelweiss Life - MultiGain Plan (WA) (UIN:147N017V01)
Simple Reversionary Bonus (RB) rates per thousand Sum Assured
FY 2024 - 25
Premium Paying Term 20 25 30
Bonus Rate 35 37 39
FY 2023 - 24
Premium Paying Term 20 25 30
Bonus Rate 35 37 39
FY 2022 - 23
Premium Paying Term 20 25 30
Bonus Rate 35 37 39
FY 2021 - 22
Premium Paying Term 20 25 30
Bonus Rate 35 37 39
FY 2020 – 21
Premium Paying Term 20 25 30
Bonus Rate 35 37 39
FY 2019 – 20
Premium Paying Term 20 25 30
Bonus Rate 35 37 39
FY 2018 – 19
Premium Paying Term 20 25 30
Bonus Rate 35 37 39
FY 2017 – 18
Premium Paying Term 20 25 30
Bonus Rate 35 37 39
One Time Special Bonus Declared in FY 2016-17
Premium Paying Term 20 25 30
Bonus Rate 2.5 3.3 3.3
FY 2016 – 17
Premium Paying Term 20 25 30
Bonus Rate 35 37 39
FY 2015 – 16
Premium Paying Term 20 25 30
Bonus Rate 35 37 39
FY 2014 – 15
Premium Paying Term 20 25 30
Bonus Rate 35 37 39
FY 2013 – 14
Premium Paying Term 20 25 30
Bonus Rate 30 31 32
FY 2012 – 13
Premium Paying Term 20 25 30
Bonus Rate 30 31 32

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Save n Grow Plan (WA) (UIN:147N016V01)
Simple Reversionary Bonus (RB) rates per thousand Sum Assured 
FY 2024 – 25
Premium Paying Term Policy Term
15 20 25 30
10 Pay 25 31 37 43
15 Pay 24 29 34 39
Regular Pay 24 28 31 34
FY 2023 – 24
Premium Paying Term Policy Term
15 20 25 30
10 Pay 25 31 37 43
15 Pay 24 29 34 39
Regular Pay 24 28 31 34
FY 2022 – 23
Premium Paying Term Policy Term
15 20 25 30
10 Pay 25 31 37 43
15 Pay 24 29 34 39
Regular Pay 24 28 31 34
FY 2021 – 22
Premium Paying Term Policy Term
15 20 25 30
10 Pay 25 31 37 43
15 Pay NA 29 34 39
Regular Pay 24 28 31 34
FY 2020 – 21
Premium Paying Term Policy Term
15 20 25 30
10 Pay 25 31 37 43
15 Pay NA 29 34 39
Regular Pay 24 28 31 34
FY 2019 – 20
Premium Paying Term Policy Term
15 20 25 30
10 Pay 25 31 37 43
15 Pay NA 29 34 39
Regular Pay 24 28 31 34
FY 2018 – 19
Premium Paying Term Policy Term
15 20 25 30
10 Pay 25 31 37 43
15 Pay NA 29 34 39
Regular Pay 24 28 31 34
FY 2017 – 18
Premium Paying Term Policy Term
15 20 25 30
10 Pay 25 31 37 43
15 Pay NA 29 34 39
Regular Pay 24 28 31 34
FY 2016 – 17
Premium Paying Term Policy Term
15 20 25 30
10 Pay 25 31 37 43
15 Pay NA 29 34 39
Regular Pay 24 28 31 34
One Time Special Bonus Declared in FY 2016-17
Premium Paying Term Policy Term
15 20 25 30
10 Pay 2.5 2.5 2.5 2.5
15 Pay NA 2.5 2.5 2.5
Regular Pay 2.5 2.5 2.5 2.5
FY 2015 – 16
Premium Paying Term Policy Term
15 20 25 30
10 Pay 25 31 37 43
15 Pay NA 29 34 39
Regular Pay 24 28 31 34
FY 2014 – 15
Premium Paying Term Policy Term
15 20 25 30
10 Pay 25 31 37 43
15 Pay NA 29 34 39
Regular Pay 24 28 31 34
FY 2013 – 14
Premium Paying Term Policy Term
15 20 25 30
10 Pay 25 31 37 43
15 Pay NA 29 34 39
Regular Pay 24 28 31 34
FY 2012 – 13
Premium Paying Term Policy Term
15 20 25 30
10 Pay 21 27 33 39
15 Pay NA 25 30 35
Regular Pay 20 24 27 30

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Save n Prosper (WA) (UIN:147N020V01)
Simple Reversionary Bonus (RB) rates per thousand Sum Assured 
FY 2024 – 25
Premium Paying Term Policy Term
15 -19 20 - 24 25 - 29 30 - 34 35
10 Pay 35 47 60 78 NA
15 Pay NA 38 52 68 82
Regular Pay 27 31 35 39 42
FY 2023 – 24
Premium Paying Term Policy Term
15 -19 20 - 24 25 - 29 30 - 34 35
10 Pay 35 47 60 78 NA
15 Pay NA 38 52 68 82
Regular Pay 27 31 35 39 42
FY 2022 – 23
Premium Paying Term Policy Term
15 -19 20 - 24 25 - 29 30 - 34 35
10 Pay 35 47 60 78 NA
15 Pay NA 38 52 68 82
Regular Pay 27 31 35 39 42
FY 2021 – 22
Premium Paying Term Policy Term
15 -19 20 - 24 25 - 29 30 - 34 35
10 Pay 35 47 60 78 NA
15 Pay NA 38 52 68 82
Regular Pay 27 31 35 39 42
FY 2020 – 21
Premium Paying Term Policy Term
15 -19 20 - 24 25 - 29 30 - 34 35
10 Pay 35 47 60 78 NA
15 Pay NA 38 52 68 82
Regular Pay 27 31 35 39 42
FY 2019 – 20
Premium Paying Term Policy Term
15 -19 20 - 24 25 - 29 30 - 34 35
10 Pay 35 47 60 78 NA
15 Pay NA 38 52 68 82
Regular Pay 27 31 35 39 42
FY 2018 – 19
Premium Paying Term Policy Term
15 -19 20 - 24 25 - 29 30 - 34 35
10 Pay 35 47 60 78 NA
15 Pay NA 38 52 68 82
Regular Pay 27 31 35 39 42
FY 2017 – 18
Premium Paying Term Policy Term
15 -19 20 - 24 25 - 29 30 - 34 35
10 Pay 35 47 60 78 NA
15 Pay NA 38 52 68 82
Regular Pay 27 31 35 39 42
FY 2016 – 17
Premium Paying Term Policy Term
15 -19 20 - 24 25 - 29 30 - 34 35
10 Pay 35 47 60 78 NA
15 Pay NA 38 52 68 82
Regular Pay 27 31 35 39 42
One Time Special Bonus Declared in FY 2016-17
Premium Paying Term Policy Term
15 -19 20 - 24 25 - 29 30 - 34 35
10 Pay 4.5 6.3 9 12.5 NA
15 Pay NA 5 7 10 12
Regular Pay 3 4 5 6 5
FY 2015 – 16
Premium Paying Term Policy Term
15 -19 20 - 24 25 - 29 30 - 34 35
10 Pay 35 47 60 78 NA
15 Pay NA 38 52 68 82
Regular Pay 27 31 35 39 42
FY 2014 – 15
Premium Paying Term Policy Term
15 -19 20 - 24 25 - 29 30 - 34 35
10 Pay 35 47 60 78 NA
15 Pay NA 38 52 68 82
Regular Pay 27 31 35 39 42
FY 2013 – 14
Premium Paying Term Policy Term
15 -19 20 - 24 25 - 29 30 - 34 35
10 Pay 35 47 60 78 NA
15 Pay NA 38 52 68 82
Regular Pay 27 31 35 39 42

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Pension Plan (UIN:147N025V01) 
Compound Reversionary Bonus (RB) rates per thousand Sum Assured 
FY 2024 – 25
Premium Paying Term Single Pay 5 Pay 10 Pay Regular Pay
Bonus Rate 74 66 56 37
FY 2023 – 24
Premium Paying Term Single Pay 5 Pay 10 Pay Regular Pay
Bonus Rate 74 66 56 37
FY 2022 – 23
Premium Paying Term Single Pay 5 Pay 10 Pay Regular Pay
Bonus Rate 74 66 56 37
FY 2021 – 22
Premium Paying Term Single Pay 5 Pay 10 Pay Regular Pay
Bonus Rate 74 66 56 37
FY 2020 – 21
Premium Paying Term Single Pay 5 Pay 10 Pay Regular Pay
Bonus Rate 74 66 56 37
FY 2019 – 20
Premium Paying Term Single Pay 5 Pay 10 Pay Regular Pay
Bonus Rate 74 66 56 37
FY 2018 – 19
Premium Paying Term Single Pay 5 Pay 10 Pay Regular Pay
Bonus Rate 74 66 56 37

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.
In case a policy has paid 6 years and 6 months premium, the applicable bonus will be 150.0. In case of fully paid-up policies, policy year of exit will be considered. 

Edelweiss Life – Pension Plan (UIN:147N025V01) 

Terminal Bonus Rate per thousand Sum Assured 

FY 2024 – 25
No. of Years Premium Paid Bonus Rate
2-5 125.0
6 150.0
7 175.0
8 200.0
9 225.0
10 250.0
11 275.0
12 300.0
13 325.0
14 350.0

*In case a policy has paid 6 years and 6 months premium, the applicable bonus will be 175.0. In case of fully paid-up policies, policy year of exit will be considered. 

 

$Terminal Bonus Rate = Proposed Bonus Rate * (Number of premiums paid/ Number of premiums payable)

No. of Years Premium Paid FY 2022 - 23​ FY 2023 – 2024*​
6 200/1000 Sum Assured​ 125
7 150
8 175
9 200
10 225
11 250
12 275

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.
In case a policy has paid 6 years and 6 months premium, the applicable bonus will be 150.0. In case of fully paid-up policies, policy year of exit will be considered. 

Edelweiss Life – Cashflow Protection (UIN:147N009V01) 
Cash Bonus rates per thousand Sum Assured 
FY 2024 – 25
Premium Paying Term All
Bonus Rate 40

Edelweiss Life – Cashflow Protection ​

(UIN:147N009V01)

Premium Paying Term 10 Pay 15 Pay 20 Pay
Bonus Rate 40

We have declared our terminal bonus rate for the second time in a row.

Disclaimer - The Cash Bonus rates in Cashflow Protection Plan are applicable for the in-force policies as on the date of payment. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Disclaimer - The above rates are applicable to the Pension plan for inforce policies resulting into death/surrender/maturity after completion of 10th Policy year, during the financial year 2023 – 24.

Edelweiss Life – Active Income Plan​ (UIN:147N065V01, 147N065V02)

FY 2024 - 25    
BONUS TYPE​ PT PPT Bonus rate
Cash Bonus (for Paid-up Additions)*​ All All 30.5
Interim Cash Bonus (for premium paying or fully paid up policies) (Early Income Option) All All 40
Interim Cash Bonus (for reduced paid up policies) (Early Income Option) All All 32

*per 1000 of ‘Cumulative Paid-up Additions on Maturity’

Edelweiss Life – Active Income Plan  (UIN: 147N065V01)
Cash Bonus (For Paid-up Additions)* 

FY 2023 - 24
Premium Paying Term Policy Term
Maturity age minus Age at Entry of Life Insured subject to minimum and maximum Policy Term as mentioned below: Minimum Policy Term: 25 Years | Maximum Policy Term: 99 Years
5 30.5
8 30.5
10 30.5
12 30.5

*per 1000 of ‘Cumulative Paid-up Additions on Maturity’

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Active Income Plan  (UIN: 147N065V02)
Cash Bonus (For Paid-up Additions)* 

FY 2023 - 24
Premium Paying Term Policy Term
Maturity age minus Age at Entry of Life Insured subject to minimum and maximum Policy Term as mentioned below: Minimum Policy Term: 25 Years | Maximum Policy Term: 99 Years
5 30.5
8 30.5
10 30.5
12 30.5

*per 1000 of ‘Cumulative Paid-up Additions on Maturity’

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

Edelweiss Life – Legacy Plus Plan  (UIN: 147N090V01,147N090V02)
Cash Bonus Rate per thousand sum assured

FY 2024 - 25
Bonus type PT PPT Bonus Rate
Cash Bonus All All 22.2
Bonus (on Accrual Survival Benefits)# All All 43.70

#per 1000 of ‘Accrued Survival Benefits’

Edelweiss Life – Legacy Plus Plan  (UIN: 147N090V01)
Cash Bonus Rate per thousand sum assured

FY 2023 - 24
Premium Paying Term Policy Term
To Age 100 (100- Age of Life Assured)
8 22.2
10 22.2
12 22.2

Disclaimer - The above rates are applicable for the policies in force for full Sum Assured as on the respective financial year end. The rates shown are only for the year mentioned above and are not indicative of the bonus rates that may be declared in the future. Bonus rates for future years is not guaranteed and may vary depending on the PAR fund performance.

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