SBI Life – CSC Saral Sanchay is available for sales exclusively through Common Service Centres of the Government of India. Any individual aged 18 – 60 years can purchase this plan. The insurance cover will be granted based on the information available on the UIDAI database (Aadhar) and other enrolment questions. The policy will be issued over the counter.




  • Convenient, simple, easy and paperless enrolment process – Policy issued based on information provided in your Aadhar card and other enrolment details.


  • Minimum Floor Rate (MFR) – interest rate of 1% p.a. of the balance of Individual Policy Account (IPA) guaranteed for the entire policy term.


  • Additional Interest Rate (AIR) – over and above the MFR, additional interest (@ 4% p.a. for first 5 policy years and @ 0.5% p.a. for the remaining policy years), will be credited at the beginning of each financial quarter.


  • Residual Addition – a non-zero positive residual addition may be added at the end of each policy year starting from the 5th policy year.


  • Partial Withdrawals – flexibility to withdraw a portion of your policy account from 6th year onwards to cater to your liquidity needs.



SBI Life CSC Saral Sanchay ppt_v02