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SBI Life Shubh Nivesh Plan | SBI Life Insurance Plans 2025 | SBI Life Shubh Nivesh Plan 2025
SBI Investment Plans
SBI Shubh Nivesh Plan
SBI Life Shubh Nivesh is a non-linked, participating, individual life ...Read More
🛡️ IRDAI Approved
⭐ 4.6/5 · 917 reviews
📊 80 years solvency ratio
✅ Minimum Age - 5 year% claim settlement ratio
🌐 Annual, half-yearly,+ pan-India
About SBI Shubh Nivesh Plan
A quick read on what this SBI Investment Plans term plan covers and why it might be a fit for you.
A penny saved is a penny earned. Save your money with SBI Life Shubh Nivesh Plan and meet your long-term financial goals.
SBI Life Shubh Nivesh is a non-linked, participating, individual life insurance policy that offers triple benefits to policyholders. The plan comes with multiple benefits, providing whole life insurance coverage, savings, and regular income under a single plan.
The plan comes with amazing features that add greater flexibility. Furthermore, this traditional investment plan acts as a good tool to meet your long-term financial goals by providing the option of regular payouts and building a huge corpus as a lump sum amount at the time of maturity.
SBI Shubh Nivesh Plan offers you a range of benefits including:
- Guaranteed Benefits
- Tax Benefits
- Flexibility
- Life-long income option
- Long-term income option
- Additional riders
Eligibility Criteria for SBI Shubh Nivesh Plan
Entry age
Minimum Age - 18 years Maximum Age - 60 years
Maturity age
Maximum Maturity Age - 65 years
Policy term
Minimum term - 10 years Maximum term - 30 years
Sum assured
5 to 30 years
Policy loan
Annual, half-yearly, quarterly & monthly
Payment Modes
Rs 75,000 to No limit
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Corpus Building
- Assured Returns
- Flexibility
Cons
- No pre-existing condition
- Suicidal exclusion
- No auto-cover continuance
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
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Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
Minimum entry age - 18 years
Maximum entry age - 60 years
Minimum sum assured - Rs 75
Maximum sum assured - No limit
Maximum policy term - 30 years
How Does the SBI Shubh Nivesh Plan Work?
Let's understand how the SBI Shubh Nivesh Plan works with a simple premium illustration.
Mr. Verma is looking for an investment plan to create long-term wealth. His financial advisor advised him to buy the SBI Shubh Nivesh Plan. He visited PolicyX.com.
Let's understand how the SBI Shubh Nivesh Plan works for him with a premium illustration table.
| Age of policyholder | Single Premium | Policy tenure | Sum Assured | Maturity Benefits |
| 30 years | Rs 10 lakhs | 15 years | Rs 10,00,000 | Rs 17,76,250 |
Key Takeaways: At the end of the policy tenure, maturity benefits of Rs 17,76,250 are paid to the policyholder.
Benefits of SBI Shubh Nivesh Plan
There are various benefits to buying the SBI Shubh Nivesh Plan. Let’s understand each of them in detail:
- Maturity Benefit: On completion of the endowment term, the SBI Life Shubh Nivesh plan will pay Basic Sum Assured + Vested Simple Reversionary Bonuses + Terminal bonus, if any, while the policy is in force.
- In the case of regular premium policies, an amount higher of sum assured along with vested Simple Reversionary Bonuses and terminal bonus or 105% of all the paid premiums till death is provided.
- Participation in Profits: The policy participates in profits that may be declared by the company from time to time. Simple reversionary bonuses will be paid based on the company's profits that solely depend on expenses, long-term view of investment returns, mortality, and other experiences.
- Tax Benefits: You can claim a deduction of Rs 1.5 lakhs on your total income under section 80C of the Income Tax Act, 1961.
Features of SBI Shubh Nivesh Plan
Key features that make SBI Shubh Nivesh Plan stand out.
Grace Period
The grace period for the SBI Life Shubh Nivesh plan is 15 days for the monthly premium payment mode and 30 days for other modes. If the policyholder does not pay the premiums within the grace period, it leads to policy lapse.
Policy Loan Facility
If you need financial support in case of any emergency, the plan will allow you to avail of a loan equivalent to 90% of the surrender value.
Flexibility
The plan allows you to choose your preferred premium paying option as Single or Regular premium payment.
Corpus Building
The plan provides the option of an annuity plan that assists in building a huge corpus through wealth creation along with a regular flow of income.
Documents Required for SBI Shubh Nivesh Plan
Keep these documents handy when applying for SBI Shubh Nivesh Plan.
Photo ID Proof
Photo ID Proof (any one) - Passport, Aadhaar card, PAN card, Driving license.
Age Proof
Age Proof (any one) - Passport, Aadhaar card, PAN card, Driving license.
Address Proof
Address Proof (any one) - Utility bill, passport, voter ID, ration card.
Medical Records
Medical Records of the policyholder if requested.
Income Proof
Income Proof (any one) - Bank statement, last three months' salary slips (if you are salaried).
How to Buy SBI Shubh Nivesh Plan Offline:
You can buy the SBI Shubh Nivesh Plan offline by visiting one of their nearest branch offices. One of their representatives will help you buy the plan.
Exclusions of SBI Shubh Nivesh Plan
- In case the policyholder commits suicide within 12 months of policy purchase, no death benefits are offered to their family members. Either 80% of the premiums paid to date or the surrender value acquired to date, whichever is higher, is paid.
Other Features of SBI Shubh Nivesh Plan
Here are the key features of the SBI Shubh Nivesh Plan.
Plan At a Glance
| What’s Good Here | What’s Missing |
| Corpus Building | Premium Offset |
| Assured Returns | High sum assured rebate |
| Policy Loan Facility | Auto cover continuance |
| Participation in Profits | Top-up premium |
In a Nutshell
If you are looking for an investment plan that offers guaranteed returns for you and your family, you must opt for SBI Shubh Nivesh. This plan offers guaranteed benefits.
For more information related to this plan, you can visit PolicyX.com, or call us at 1800 - 420 - 0269. Our insurance experts listen to your unique needs and suggest the best possible solution for you.
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FAQs: SBI Shubh Nivesh Investment Plan
The 5 most-asked questions about SBI Shubh Nivesh Plan, answered.
In case you have forgotten/stopped paying the premium of your SBI Shubh Nivesh Plan, the company will offer you a grace period of 15 days for monthly premium payment and 30 days for other modes of premium payment - quarterly, bi-yearly and yearly. If you fail to pay your premium in the grace period, your policy will be lapsed, and you will not be able to avail any benefits.
If you cancel your insurance plan within the policy period, SBI Shubh Nivesh will pay you a surrender value. The Surrender Value is determined by the higher Guaranteed Surrender Value or Special Surrender Value.
If the insured is not satisfied with their Shubh Nivesh policy, they are free to cancel the plan within 15 days of policy inception.
During a financial emergency the policyholder is eligible to avail loans against their SBI Subh Nivesh policy. The loans will be available only after the policy acquires the surrender value, and is limited to a maximum of 90% of the surrender value.
Yes, the plan has a loading as per the below table: Half-yearly 51.00% of annual premium Quarterly 26.00% of annual premium Monthly 8.50% of annual premium
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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