🕷️ Crawler Inspector

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Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 70 (from laksa179)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa070.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.iciciprulife.com/investments/how-to-save-money.html\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.iciciprulife.com/investments/how-to-save-money.html\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.iciciprulife.com\/investments\/how-to-save-money.html","crawl_time":1776313219,"first_indexed_time":1590229179,"http_code":200,"src_unparsed":"com,iciciprulife!www,\/investments\/how-to-save-money.html s443","src_root_hash":"17773999737620537870","history_drop_reason":null,"meta_title":"How to Save Money - Smart Saving Tips 2026","meta_descriptions":["Discover smart ways to save money in India with expert financial tips, investment strategies & life insurance options. Start your savings journey today!"],"attrs_boilerpipe_text":"1. What is the 30-day rule to save money?\nThe 30-day rule is a personal finance strategy that helps you control your impulse spending habits. According to the rule, you must wait for at least 30 days before you make a purchase. The principle behind this rule is that you need to give yourself time to evaluate whether you genuinely require the item you wish to buy or not.\nWhen you delay the purchase by 30 days, you can avoid unnecessary spending and gain better control over your finances. The rule states that if, after 30 days, you still feel that the item is necessary and aligns with your budget and needs, you can go ahead and buy it.\nThis approach helps you make more mindful spending decisions and makes you financially disciplined.\n2. What are the best ways to build an emergency fund?\nBelow are some effective strategies to build an emergency fund:\nStart small and be consistent:\nYou can begin by setting aside a portion of your income into a dedicated savings account each month. Make sure to be consistent and follow through each month to ensure your emergency fund gradually grows with time\nAim to save enough to cover six to eight months of expenses:\nThe general recommendation is to save enough to cover six to eight months of your living expenses. This amount typically provides a sufficient buffer for most financial emergencies\nSet up automatic transfers:\nYou can automate your savings by setting up regular transfers to your emergency fund. This ensures that you consistently contribute without having to think about it\n3. What are effective strategies for saving money quickly?\nHere are some effective money saving tips to save money quickly:\nCreate and stick to a budget:\nIt is important to establish a detailed budget to track your salary and expenses\nSet a high savings target:\nDetermine a savings goal, preferably a higher percentage, and set up automatic transfers to your savings account. While setting a high percentage can be hard, it can help you if you need money quickly\nCut back on discretionary spending:\nReduce spending on non-essential items and pivot these into your savings. You can also apply the 30-day rule to avoid impulse purchases\n4. How can I save money with a low income?\nSaving money on a low income is difficult, but it is still achievable as long as you follow the right approach. You can start by setting a fixed percentage of your income to save each month. For instance, 10% to 15% can be an achievable benchmark. No matter how much you earn, make sure that you consistently stick to this percentage. This can help you build savings over time.\n5. How can you save more money and become more financially independent?\nIt is essential to adopt a proactive approach to save more money and achieve greater financial independence. You can start by making a habit of saving a percentage of your monthly income. Remember to set clear financial targets for different financial goals. This can help you be more focused and avoid impulse purchases while also staying away from debt. It is important to manage your spending carefully and focus on saving rather than overspending to gradually build your savings and be financially independent.\n6. How can I save money if I’m living paycheque to paycheque?\nLiving paycheque to paycheque can make it difficult to save money, but there are some money saving tips that can help.\nYou can start by analysing your spending habits and see if you can make any cuts. For example, you can consider cancelling non-essential subscriptions from online streaming services or opt to walk more often instead of taking cabs to save on transportation costs.\nAdditionally, review your income sources and find ways to increase your earnings. You can take on part-time work, pursue higher-paying job opportunities or consider freelance work. Any extra money that you earn can be directed towards building your savings pool.\n7. Should I pay off the debt or save money first?\nDeciding whether to pay off debt or save money first can be a challenging spot to be in, but it is important to consider both aspects of your financial health. Paying off debt, especially high-interest debt, is crucial because the interest can quickly accumulate and increase the total amount you owe. In such a case, prioritising your debt repayment can help you reduce your liabilities.\nHowever, having some savings is also important to tackle unexpected expenses without taking on more debt. Moreover, if you are saving for an urgent goal, it may be beneficial to divide your money between paying off debt and saving. For example, you could allocate a portion of your income to debt repayment while setting aside a smaller amount for savings.\nThis balanced approach can help you address both financial needs at the same time.\nCOMP\/DOC\/Oct\/2024\/2110\/7431","attrs_markdown":"Toggle navigation\n\n[Search]()\n\n[Login]()\n\n[![icici prudential life insurance](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/navHeader.svg)](https:\/\/www.iciciprulife.com\/home.html)\n\n×  \/\/\n\n- [about us](https:\/\/www.iciciprulife.com\/about-us\/company-overview.html)\n- [Public Disclosure](https:\/\/www.iciciprulife.com\/about-us\/investor-relations\/yearly-public-disclosures.html?ID=about3)\n- [contact us](https:\/\/www.iciciprulife.com\/contact-us.html)\n- [Join Us]()\n  - [AS AN EMPLOYEE](https:\/\/ismarthire.iciciprulife.com\/Career\/)\n  - [AS AN ADVISOR](https:\/\/www.iciciprulife.com\/insurance-careers\/life-insurance-sales-advisor-details.html)\n- [Track Application](https:\/\/buy.iciciprulife.com\/buy\/apptrackerhomeNew.htm)\n- [bell-notification]()\n  Invest before March 31, 2023∞ to lock in 100% guaranteed^ & Tax-free\\* returns for aggregate premium \\> ₹ 5 lakh p.a. for Non-Linked insurance policies T\\&C Apply\n  - ![](https:\/\/www.iciciprulife.com\/content\/icici-prudential-life-insurance\/target\/TargetImages\/iProtect%20Smart%20Logo-MU.png)\n    Get our **All-IN-ONE&& Term Life Cover!a plan** at **affordable premiums2a**\n    \n    [Check Premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=38231)\n    \n    W\/II\/2212\/2022-23\n    Buy online & get 5% discount\n  - ![](https:\/\/www.iciciprulife.com\/content\/icici-prudential-life-insurance\/target\/TargetImages\/Signature%20Logo%20MU%20Font.svg)\n    **Earn tax-free\\* market linked returns** with **low charge\\+ ULIP + Life Cover**\n    \n    [Invest Now](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-signature-ulip-calculator.html?UID=38231)\n    \n    W\/II\/0209\/2023-24\n    Buy online & avail 0% premium allocation charges\n- [Login]()\n- [Log Out]()\n\n×\n\nCustomers\n\n[Individual](https:\/\/customer.iciciprulife.com\/csr\/cmmn-home.htm?defaultAccordian=customers) [Super Protect Life (SPL) Login](https:\/\/www.iciciprulife.com\/services\/pre-login-with-app-number.html) [Non-Individual (HUF\/Partnership)](https:\/\/www.iciciprulife.com\/services\/corporate-huf-customer-login.html)\n\nCorporate\n\n[Master policy holder \/ Superannuation Member](https:\/\/group.iciciprulife.com\/Groups\/group-home.htm?execution=e1s1) [Group Annuitant](https:\/\/group.iciciprulife.com\/Annuity\/)\n\nEmployees\n\n[Branch](https:\/\/customer.iciciprulife.com\/csr\/cmmn-home.htm?defaultAccordian=iPruEmp) [Sales](https:\/\/buy.iciciprulife.com\/buy\/cmmn-home.htm?defaultAccordian=iPruEmp) [Former Employees](https:\/\/hr.iciciprulife.com\/IAssist\/LoginPage.aspx)\n\nPartners\n\n[Advisors](https:\/\/buy.iciciprulife.com\/buy\/cmmn-home.htm?defaultAccordian=unitManager) [Employee](https:\/\/buy.iciciprulife.com\/buy\/cmmn-home.htm?defaultAccordian=patnEmp) [Group Broker](https:\/\/buy.iciciprulife.com\/buy\/cmmn-home.htm?defaultAccordian=partnerAgents) [Partner Group (Servicing)](https:\/\/grouppartner.iciciprulife.com\/affinity\/cmmn-home.htm?defaultAccordian=affinitydb) [Partner Group (COI Download)](https:\/\/buy.iciciprulife.com\/buy\/coiVerification.htm?execution=e2s1) [Partner (Corporate Agent\/ Brokers)](https:\/\/buy.iciciprulife.com\/buy\/cmmn-home.htm?defaultAccordian=unitManager)\n\n- [Login](\"login title\")\n- [customer](\"customer login\")\n- [employee](\"employee login\")\n- [advisor](\"advisor login\")\n- [corporate](\"corporate login\")\n\n- [Plans]()\n  - [TERM INSURANCE](https:\/\/www.iciciprulife.com\/term-insurance.html)\n    - [ICICI Pru iProtect Smart PlusLumpsum Payout](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=2399)\n      - Claim amount paid out in single instalmentD4 (lumpsum)\n      - Up to 5%\\` Online Discount (Lifetime)\n      - Affordable High Life Cover2a to protect your family\n      - Up to 15%S Salaried Discount (For 1st Year premium)\n      - Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout\n      - Optional 60 Critical Illnesses2 cover & Accidental Death Benefit3 cover\n      \n      [check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=39385)\n    - [ICICI Pru Saral Jeevan Bima *(New)*With instant issuance](https:\/\/www.iciciprulife.com\/life-insurance\/icici-pru-saral-jeevan-bima-plan.html)\n      - Instant issuance\\# with 0 paperwork\n      - Affordable life cover1 with 0% GST on premiums\n      - Digital income verificationD with no income proof requiredI\n      - Exclusively for salaried person with income greater than ₹10 Lakh\n      - Up to 15%S salaried discount on 1st year premiums + up to 5%\\` lifetime online discount\n      \n      [Check Eligibility](https:\/\/www.iciciprulife.com\/life-insurance\/saral-jeevan-bima-buy-online-calculator.html?UID=55475)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Saral_Jeevan_Bima_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/life-insurance\/icici-pru-saral-jeevan-bima-plan.html)\n      \n      W\/II\/1360\/2025-26\n    - [ICICI Pru iProtect Smart Plus Monthly Income Payout](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=2399&persona=monthlyincome)\n      - Claim amount paid to nominee in monthlyD1 instalments\n      - Up to 5%\\` Online Discount (Lifetime)\n      - Up to 15%S Salaried Discount (For 1st Year premium)\n      - In-built Terminal Illness Benefit6 and 12-month premium break4 option\n      - Optional 60 Critical Illnesses2 cover & Accidental Death Benefit3 cover\n      \n      [check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=39919&persona=monthlyincome)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=39385)\n      \n      W\/II\/1316\/2023-24\n    - [ICICI Pru iProtect Smart Plus(Term Plan for Women)](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=41117&persona=Working_Women)\n      - Affordable High Life Cover1 to protect your family\n      - Flat 15%F Discount for Women on Life Cover (Lifetime)\n      - Up to 5%\\` Online Discount (Lifetime)\n      - Up to 15%S Salaried Discount (For 1st Year premium)\n      - 60 Critical Illnesses Cover2 (Optional)\n      - Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout\n      \n      [check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=41117&persona=Working_Women)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=41117)\n      \n      W\/II\/0354\/2024-25\n    - [ICICI Pru iProtect Super(No income documents requiredI)](https:\/\/www.iciciprulife.com\/term-insurance\/buy-iprotect-super-online.html?UID=43644)\n      - Affordable Life cover1 to protect your family: No Income Documents RequiredI\n      - 12-month Premium BreakP @ ₹0 extra cost\n      - Terminal Illness Benefit6 and 100% Premium Refund3 option @ ₹0 extra cost\n      - Optional Additional Accidental Death4 and Disability5 rider\n      - On 1st Year Premium: 12%\\! Online Discount & 7%L Loyalty Discount\n      - Flat 15%F Lifetime Female Discount\n      \n      [check premium](https:\/\/www.iciciprulife.com\/term-insurance\/buy-iprotect-super-online.html?UID=43644)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Super_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/iprotect-super-term-plan.html?UID=43644)\n    - [ICICI Pru iProtect Care](https:\/\/www.iciciprulife.com\/term-insurance\/icici-pru-iprotect-care.html)\n      - Life cover1 to provide coverage against death and terminal illness\n      - Complimentary health management and wellbeing services2\n      - 15% lower premiums for women3 as compared to male lives\n      - Option of Premium Break4 to defer premiums by 12 months\n      \n      [check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/icici-pru-iprotect-care-term-calculator.html?UID=56631)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Care_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/icici-pru-iprotect-care.html)\n  - [Term Insurance with Returns]()\n    - [ICICI Pru iProtect Smart Plus(Smart Exit Option)](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=2399&persona=smartexit)\n      - Affordable High Life Cover2a to protect your family\n      - 100% Total Premium Refund° option\n      - Optional 60 Critical Illnesses2 cover of up to ₹ 1.5 crore\n      - Optional Accidental Death Benefit3 cover of up to ₹ 3 crore\n      - In-built Terminal Illness Benefit6 and 12-month premium break4 option\n      - Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout and returns\n      - Up to 15% discountS on first year's premium for salaried customers\n      \n      [check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=39385&persona=smartexit)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=39385)\n    - [ICICI Pru Protect N Gain(Market Linked Return)](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-protect-and-gain.html?UID=39385)\n      - Potential to grow your wealth with Market Linked Returns\n      - Life cover1 up to 125x of Annual Premium7\n      - Return of Mortality and premium allocation charges2\n      - Unlimited tax-free\\* partial withdrawals4 allowed, that too free of cost\n      - Take control of your investments with unlimited free fund switches6\n      - Tax benefit\\* on premiums paid and tax-free\\* claims payout and returns\n      \n      [BUY ONLINE](https:\/\/www.iciciprulife.com\/ulip-plans\/buy-icici-protect-and-gain.html?UID=39385)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Protect_N_Gain_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-protect-and-gain.html?UID=39385)\n    - [ICICI Pru iProtect Smart Return of Premium(Guaranteed3 Return)](https:\/\/www.iciciprulife.com\/term-insurance\/iprotect-smart-return-of-premium-term-plan.html?UID=37034)\n      - High life cover1 to protect your family\n      - Guaranteed3 100% return of premium3 on survival\n      - Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout and returns\n      - Optional Accidental Death Rider4 of up to ₹ 3 crore\n      - Optional Accidental Total and Permanent Disability Rider5 of up to ₹ 3 crore\n      - 15%F lower premiums for women (lifetime)\n      \n      [CHECK PREMIUM](https:\/\/www.iciciprulife.com\/term-insurance-plans\/return-of-premium-term-plan.html?UID=37034)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-iProtect-Smart-ROP-Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/iprotect-smart-return-of-premium-term-plan.html?UID=37034)\n      \n      W\/II\/1208\/2024-25\n    - [ICICI Pru iProtect Super(No income documents requiredI)](https:\/\/www.iciciprulife.com\/term-insurance\/buy-iprotect-super-online.html?UID=43645)\n      - Affordable Life cover1 to protect your family: No Income Documents RequiredI\n      - 12-month Premium BreakP @ ₹0 extra cost\n      - Terminal Illness Benefit6 and 100% Premium Refund3 option @ ₹0 extra cost\n      - Optional Additional Accidental Death4 and Disability5 rider\n      - On 1st Year Premium: 12%\\! Online Discount & 7%L Loyalty Discount\n      - Flat 15%F Lifetime Female Discount\n      \n      [check premium](https:\/\/www.iciciprulife.com\/term-insurance\/buy-iprotect-super-online.html?UID=43645)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Super_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/iprotect-super-term-plan.html?UID=43645)\n  - [ULIP (UNIT LINKED INSURANCE PLANS)](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans.html)\n    - [ICICI Pru Smart Insurance Plan Plus (SIP+) *(New)*](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-smart-insurance-plan-plus.html)\n      - Get tax\\*\\- free market linked returns\n      - Zero charges\\! – No premium allocation and policy administration charges\n      - Adopt to changing markets with free unlimited fund switching2\n      - Inbuilt life cover1 to financially protect your family\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-smart-insurance-plan-plus.html?UID=1160)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_SIP_Plus_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-smart-insurance-plan-plus.html)\n      \n      T\\&C Apply\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n    - [ICICI Pru Signature Assure *(Popular)*](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-ulip-signature-assure.html?UID=1160)\n      - Create wealth with market-linked returns\n      - Life cover1 + premium waiver2 + income3 benefit to financially protect your loved ones\n      - Tax\\*-free returns\n      - Loyalty additions4 of 2.5% of fund value\n      - Access to make withdrawals13 from fund\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-ulip-signature-assure.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Assure_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-ulip-signature-assure.html)\n      \n      T\\&C Apply\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n    - [ICICI Pru Global Wealth Multiplier (GIFT City) *(New)*](https:\/\/www.iciciprulife.com\/global-insurance-plans\/icici-pru-global-wealth-multiplier.html)\n      - Investment and returns in US dollars, enabling wealth creation without INR depreciation risk\n      - Portfolio diversification through investment in global and Indian markets\n      - Life cover3 that protects your family’s future\n      - Systematic withdrawal plan9 to withdraw money regularly from your policy\n      - Flexibility of partial withdrawals\n      - Waiver of premium option1\n      \n      [Buy Now](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-global-wealth-multiplier-for-nri.html?UID=3)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/prospectus\/ICICI-Pru-Global-Wealth-Multiplier-Prospectus.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/global-insurance-plans\/icici-pru-global-wealth-multiplier.html)\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n    - [ICICI Pru Platinum](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-platinum.html)\n      - Potential to grow wealth through market linked returns\n      - Level of life cover2 as per your choice\n      - Systematic withdrawal plan3 to withdraw money regularly from your policy\n      - Tax benefits\\* as per prevailing tax laws\n      - Choice of 4 portfolio strategies and wide range of funds4\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-pru-platinum-online.html?UID=41143)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-platinum.html)\n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Platinum_Brochure.pdf)\n    - [ICICI Pru Signature Pension](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-signature-pension-plan.html)\n      - Build your retirement corpus through market-linked returns and live a stress-free life after retirement\n      - Tax-free commutation of up to 60% of the vesting benefit1\n      - Flexibility of Partial Withdrawals2\n      - Choice of 3 portfolio strategies and a wide range of funds3\n      - Low-cost charge structure with return of charges at vesting4\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/buy-icici-pru-signature-pension-plan.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Pension_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-signature-pension-plan.html?UID=1725)\n    - [ICICI Pru1 Wealth](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-single-premium-policy-pru-one-wealth.html?UID=2399)\n      - Invest only once and enjoy benefits for entire policy term\n      - 100% amount invested in wide range of funds\n      - Choice of multiple funds\n      - Life cover to protect your loved ones\n      - Tax benefits\n      \n      [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-single-premium-policy-pru-one-wealth.html?UID=1725)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru1_Wealth_Brochure.pdf)\n    - [ICICI Pru LifeTime Classic](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-ulip-lifetime-classic-plan.html?UID=2399)\n      Premium starts at \\`2500\/- p.m.\n      \n      - Invest in your choice of equity, debt or balanced funds\n      - Choice of 4 portfolio strategies\n      - Life cover to protect your loved ones\n      - Get rewarded with Loyalty Additions & Wealth Boosters\n      - Tax benefits\n      \n      [BUY ONLINE](https:\/\/www.iciciprulife.com\/ulip-plans\/buy-icici-ulip-returns-calculator-lifetime-classic-online.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_LifeTime_Classic_Brochure_Final.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-ulip-lifetime-classic-plan.html?UID=1725)\n    - [ICICI Pru Smart Goal Assure](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-smart-goal-assure.html)\n      - Grow your wealth through market linked returns\n      - Goal Assurance with Future Secure2 (i.e. Waiver of Premium)\n      - Financial security for your family in your absence with life cover6 and Family Income5\n      - Return3 of premium allocation charges and policy administration charges at maturity\n      - Assurance of protecting your investments through Maturity Protect4\n      - Choice of 4 portfolio strategies and wide range of funds1\n      - Tax benefits7 as per prevailing tax laws\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Smart_Goal_Assure_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-smart-goal-assure.html)\n    - [ICICI Pru Signature](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-ulip-signature.html?UID=2399)\n      - Financial protection for your loved ones with life cover\n      - Tax\\*-free returns\n      - Return of mortality and policy administration charges1\n      - Withdraw money regularly from your policy with SWP3\n      \n      [BUY ONLINE](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-signature-ulip-calculator.html?UID=1160)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Online_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-ulip-signature.html?UID=1725)\n      \n      For offline Signature refer to [Offline Signature Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Offline_Brochure.pdf)\n    - [ICICI Pru Wealth Elite Pro](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-wealth-elite-pro.html)\n      - Financial protection for your loved ones with life insurance cover3\n      - Return of Total Premium Allocation Charges at a compounding rate of 7% per annum1\n      - High Premium Benefit to boost your fund value2\n      - Enjoy policy benefits till 99 years of age with Whole Life policy term option\n      - Systematic withdrawal plan4 to withdraw money regularly from your policy\n      \n      [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-wealth-elite-pro.html)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Wealth-Elite-Pro.pdf)\n  - [Child Plans](https:\/\/www.iciciprulife.com\/child-insurance\/child-insurance-plans.html)\n    - [ICICI Pru SmartKid Assure *(Bestseller)*](https:\/\/www.iciciprulife.com\/child-insurance\/buy-icici-pru-ulip-smartkid-assure.html?UID=1160)\n      - Create a corpus for your child's future with market linked returns\n      - Life cover1 + in built premium waiver18 to financially protect your child in your absence\n      - Income3 benefit to cover necessary expenses in case of parent’s sudden demise\n      - Tax\\* benefits under the Income Tax Act, 2025\n      \n      [buy online](https:\/\/www.iciciprulife.com\/child-insurance\/buy-icici-pru-ulip-smartkid-assure.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Assure_Brochure.pdf)\n      \n      \\* T\\&C Apply\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n    - [ICICI Pru SmartKid 360 *(New)*](https:\/\/www.iciciprulife.com\/child-insurance\/icici-pru-smart-kid-360.html)\n      - A 360° plan to protect your child’s future with guarantee2\n      - Flexibility to get payouts as per child’s milestones^\n      - Life Cover1 + waiver of premium18 + regular income3 guaranteed2 in your absence\n      - 100% tax-free\\* returns and tax\\* benefits on premiums paid under the Income Tax Act, 2025\n      \n      [BUY ONLINE](https:\/\/www.iciciprulife.com\/child-insurance\/buy-icici-pru-smartkid-360.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Smart-Kid-360-Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/child-insurance\/icici-pru-smart-kid-360.html)\n      \n      \\*T\\&C Apply\n      \n      W\/II\/1778\/2025-26\n  - [ULIP WITH CAPITAL GUARANTEE](https:\/\/www.iciciprulife.com\/protection-saving-plans\/capital-guarantee-plan.html)\n    - [ICICI Prudential Signature Capital Guarantee II](https:\/\/www.iciciprulife.com\/protection-saving-plans\/capital-guarantee-plan.html)\n      - Market-linked returns12 + 100% security9 of investment\n      - Life Cover4 to financially protect your loved ones in your absence\n      - Wealth boosters1 addition to boost your returns\n      - Tax2\\-free returns\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Prudential_Signature_Capital_Guarantee_II_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/capital-guarantee-plan.html)\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n    - [ICICI Prudential Save ‘N’ Grow](https:\/\/www.iciciprulife.com\/protection-saving-plans\/capital-guarantee-solution-calculator.html?UID=39761)\n      - 100% Capital guarantee1 + market-linked returns2\n      - Diverse fund options across equity, balanced and debt\n      - Protect your loved ones financially with a life cover4\n      - Tax benefits3 as per prevailing tax laws\n      - Boost your returns with maturity boosters6\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/capital-guarantee-solution-calculator.html?UID=39761)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Save_N_Grow_Brochure.pdf)\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n  - [SAVINGS PLANS](https:\/\/www.iciciprulife.com\/protection-saving-plans.html)\n    - [ICICI Pru GIFT ProGuaranteed Income Plan](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gift-pro.html?UID=2399)\n      - Guaranteed Income2 to help you achieve your financial goals\n      - Flexibility to choose Percentage of MoneyBack Benefit4 and when you want to receive MoneyBack Benefit4\n      - Life Insurance Cover1 for financial security of your family\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-gift-pro.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GIFT_Pro_Brochure_V23_Webview.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gift-pro.html?UID=1725)\n      - [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GIFT_Pro_Brochure.pdf)\n      \n      2Conditions apply\n    - [ICICI Pru Guaranteed Income For TomorrowGuaranteed Lumpsum Plan](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-guaranteed-income-for-tomorrow.html?UID=1160)\n      - Guaranteed benefits1 in the form of lump sum\n      - Life insurance cover2 for financial security of your family\n      - Tax benefits3 may be applicable on premiums paid and benefits received as per prevailing tax laws\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-guaranteed-income-for-tomorrow-calculator.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Guaranteed_Income_For_Tomorrow.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-guaranteed-income-for-tomorrow.html?UID=1160)\n    - [ICICI Pru Gold](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gold.html)\n      - Regular income1 up to 99 years of age followed by a lump sum2 on maturity\n      - Option to start receiving income immediately from the end of 1st policy year or defer3 it for a few years as per your need\n      - Choice to start receiving income instantly within 7 working days of realisation of first year's premium by the company post issuance of the policy\n      - Protection through life cover4 till up to 99 years of age\n      - Tax benefits5 may be applicable on premiums paid and benefits received as per prevailing tax laws\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-gold.html?UID=37635)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GOLD_Brochure_Webview.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gold.html?UID=1725)\n      - [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Gold-Brochure.pdf)\n    - [ICICI Pru Future Perfect](https:\/\/www.iciciprulife.com\/money-back-endowment-plans\/future-perfect-endowment-plan.html?UID=2399)\n      - Savings with the comfort of guarantee\\#\n      - Flexibility in premium payment term\n      - Security of your loved ones with potential for wealth creation and your Life Cover1\n      \n      [BUY ONLINE](https:\/\/www.iciciprulife.com\/money-back-endowment-plans\/future-perfect-savings-plan-calculator.html?UID=1160)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI%20Future%20Perfect%20-%20Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/money-back-endowment-plans\/future-perfect-endowment-plan.html?UID=1725)\n  - [RETIREMENT AND PENSION PLANS](https:\/\/www.iciciprulife.com\/retirement-pension-plans.html)\n    - [ICICI Pru Signature Pension (New)(Market Linked Return)](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-signature-pension-plan.html?UID=2399)\n      - Build your retirement corpus through market-linked returns and live a stress-free life after retirement\n      - Tax-free commutation of up to 60% of the vesting benefit1\n      - Flexibility of Partial Withdrawals2\n      - Choice of 3 portfolio strategies and a wide range of funds3\n      - Low-cost charge structure with return of charges at vesting4\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/buy-icici-pru-signature-pension-plan.html?UID=1160)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Pension_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-signature-pension-plan.html?UID=1725)\n    - [ICICI Pru Guaranteed Pension Plan FlexiRegular Premium Future Income](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-flexi.html?UID=2399)\n      - A regular-pay deferred annuity plan that helps you gradually build the retirement savings and provide guaranteed income for life\n      - Flexible premium paying terms and deferment periods\n      - Choice of increasing annuity options that will give you inflation hedged retirement income in your golden years\n      - Flexibility to withdraw up to 60% of total premiums paid as lumpsum\n      - Financial security for your family even in your absence, with the Waiver of Premium feature3\n      - Annuity plan can cover either single or joint life2\n      - Tax benefits as per prevailing tax laws\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-flexi-calculator.html?UID=1160)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GPP_Flexi_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-flexi.html?UID=1725)\n      - [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GPP_Flexi_Prospectus.pdf)\n    - [ICICI Pru Saral Pension PlanSingle Premium Immediate Income](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-saral-pension-plan.html?UID=2399)\n      - Pay just once and get a guaranteed lifelong income\n      - Continue pension for spouse after you with the Joint Life1 option\n      - Purchase Price is returned back to your nominee2\n      - Option to avail a loan against your policy3\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/buy-icici-pru-saral-pension-plan.html?UID=1160)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Saral_Pension_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-saral-pension-plan.html?UID=1725)\n    - [ICICI Pru Gold Pension Savings Plan](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-gold-pension-savings.html?UID=2399)\n      - Build your retirement savings with guaranteed benefits1 & bonuses2\n      - Tax-free commutation of upto 60% of the vesting benefit3\n      - Flexibility of cash withdrawals4\n      - Free health check-up5\n      \n      [Buy Online](https:\/\/buy.iciciprulife.com\/buy\/EBI.htm#\/PreEBI\/D05)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-gold-pension-savings.html?UID=1725)\n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Gold_Pension_Savings_Brochure.pdf)\n      \n      1 T\\&C Apply\n    - [ICICI Pru Guaranteed Pension PlanDeferred Annuity](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan.html)\n      - Single premium plan to get guaranteed income for the rest of your life\n      - Option to defer income by up to 10 years\n      - Annuity plan can cover either single or joint life\n      - Flexible payout options to suit your need\n      - Tax benefits^ on premiums paid and on maturity\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPDA)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan.html)\n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Guaranteed_Pension_Plan.pdf)\n    - [ICICI Pru Guaranteed Pension PlanImmediate Annuity](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan.html)\n      - Single premium plan to get guaranteed income for the rest of your life\n      - Option to get annuity income as early as next month\n      - Annuity plan can cover either single or joint life\n      - Flexible payout options to suit your need\n      - Tax benefits^ on premiums paid and on maturity\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPIA)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan.html)\n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Guaranteed_Pension_Plan.pdf)\n  - [Legacy Plans](https:\/\/www.iciciprulife.com\/health-insurance\/health-insurance-plans.html)\n    - [ICICI Pru Protect N Gain Whole Life](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-pru-protect-and-gain-whole-life.html)\n      - Get comprehensive life cover1 along with potential to grow your wealth with Market Linked Returns\n      - 1X return of mortality2 charges from 11th year onwards\n      - 1X return of premium allocation charges2 charges from 11th year onwards\n      - LoyaltyL additions: Extra units from policy year (67 less Entry Age) and onwards\n      - Coverc continuance booster: Protection from adverse market scenarios\n      - 20% Maturity booster3\n      \n      [CHECK PREMIUM](https:\/\/www.iciciprulife.com\/ulip-plans\/buy-icici-protect-and-gain-whole-life.html?UID=56633)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Protect_N_Gain_Whole_Life_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-pru-protect-and-gain-whole-life.html)\n    - [ICICI Pru Wealth Forever](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-wealth-forever.html)\n      - Increasing life cover1 to secure a legacy@ for your family\n      - 100% payout on Terminal illness3\n      - Complimentary health checkup\\#\n      - Return of 100% of Total Premium Paid upon maturity^^\n      \n      [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-wealth-forever.html?UID=1725)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wealth_Forever_Brochure.pdf)\n      - [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wealth_Forever_Prospectus.pdf)\n    - [ICICI Pru Gold](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gold.html?UID=2399)\n      - A regular income 1 up to 99 years of age\n      - A lumpsum 2 on maturity as your legacy for your loved ones\n      - Protection of life cover4 throughout the policy term\n      - Tax5 benefits may be applicable on premiums paid and benefits received as per prevailing tax laws\n      \n      [Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-gold.html?UID=37635)\n      \n      [Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GOLD_Brochure_Webview.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gold.html?UID=1725)\n      - [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Gold-Brochure.pdf)\n  - [Health Insurance Plans](https:\/\/www.iciciprulife.com\/health-insurance\/health-insurance-plans.html)\n    - [ICICI Pru Wish](https:\/\/www.iciciprulife.com\/health-insurance\/icici-pru-wish.html)\n      - Comprehensive coverage1 against women specific critical illnesses2 and surgeries2\n      - Cover1 for surgeries2 resulting from specific illnesses2\n      - Fixed lump sum1 pay-out on diagnosis of any of the covered critical illnesses2\n      - Premium remains guaranteed3 throughout the coverage term\n      - Coverage1 for pregnancy complications and newborn complications through Maternity Care Benefit under Health Care Plus plan option\n      - Premium Sabbatical4 Benefit which allows you to get one full year’s premium holiday, while enjoying full policy benefits\n      \n      [Check Premium](https:\/\/www.iciciprulife.com\/health-insurance\/buy-icici-pru-wish.html?UID=43629)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wish_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/health-insurance\/icici-pru-wish.html)\n      - [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wish_Prospectus.pdf)\n    - [ICICI Pru iProtect Smart Plus(Life Cover + Critical Illness Cover)](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=2399)\n      - Up to ₹1.5 crore 60 Critical Illnesses2 cover (optional)\n      - Adequate Life cover2a to protect your family\n      - Covers diseases2 like Cancer, Heart Attack, organ failure, etc. (optional)\n      - Lumpsum Optional Critical Illness2 claims payout based on diagnostic report\n      - In-built Terminal Illness Benefit6 and 12-month premium break4 option\n      - Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout and returns\n      \n      [Check Premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=43583)\n      \n      [meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI%20Pru%20iProtect%20Smart.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=43583)\n      \n      \\*Conditions apply\n  - [Group Insurance Plans](https:\/\/www.iciciprulife.com\/group-insurance-plans.html)\n    - [ICICI Pru Group Term Plus](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-term-plus.html)\n      - Competitive premium rates\n      - Flexible premium payment modes\n      - Customized coverage as per organization’s structure\n      - Seamless addition\/removal of new employees\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Term_Plus_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-term-plus.html)\n    - [ICICI Pru Group Unit Linked Employee Benefit Plan](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-unit-linked-employee-benefit-plan.html)\n      - Choose from a range of 10 Debt and Equity oriented funds\n      - Market-linked returns\n      - Policy value- based loyalty additions added every year\n      - Tax\\* benefits as per prevailing laws\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Unit_Linked_Employee_Benefit_Plan.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-unit-linked-employee-benefit-plan.html)\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n    - [ICICI Pru Group Suraksha Plus](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-suraksha-plus.html)\n      - Interest accruals at the end of each financial year\n      - Flexibility to deposit contributions\n      - Withdrawals from the policy under defined scheme rules\n      - Customised schemes for employee benefits\n      - Tax\\* benefits as per prevailing tax laws\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Suraksha_Plus.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-suraksha-plus.html)\n    - [ICICI Pru Group Unit Linked Superannuation Plus](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-unit-linked-superannuation-plus.html)\n      - Choose from 8 fund options\n      - Free switching between funds at no extra cost\\*\n      - Loyalty additions allocated at the end of every financial year based on policy value\n      - Tax\\* benefits as per prevailing laws\n      - Annuity purchase options including joint life and return of purchase price\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Unit_Linked_Superannuation_Plus.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-unit-linked-superannuation-plus.html)\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n    - [ICICI Pru Group Unit Linked Superannuation](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-unit-linked-superannuation.html)\n      - Choice of 5 fund options\n      - Minimum 100% capital guarantee on contributions\n      - Tax\\* benefits as per prevailing laws\n      - Policy value-based loyalty additions\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Unit_Linked_Superannuation.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-unit-linked-superannuation.html)\n      \n      IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n    - [ICICI Pru Group Suraksha Plus Superannuation](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-suraksha-plus-superannuation.html)\n      - Interest accruals at the end of the financial year\n      - Minimum guarantees as per scheme options to the extent of 100% of contributions made\n      - Employee benefits payable on exit as per scheme rules\n      - Tax\\* benefits as per prevailing laws\n      - Annuity purchase options including joint life and return of purchase price\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Suraksha_Plus_Superannuation.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-suraksha-plus-superannuation.html)\n    - [ICICI Pru Immediate Annuity](https:\/\/www.iciciprulife.com\/group-insurance-plans\/immediate-annuity.html)\n      - Wide range of annuity options\n      - Fixed payout, that is free from market fluctuations\n      - Immediate annuity payout - monthly, quarterly, half-yearly or yearly\n      - Return of Purchase Price (optional) on death, Critical Illness or Permanent Disability due to accident\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/Group_Immediate_Annuity_Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/immediate-annuity.html)\n    - [ICICI Pru Group Non-Linked Critical Illness Rider](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-non-linked-critical-illness-rider.html)\n      - Covers up to 33 critical illnesses\n      - Opt in at the start or renewal of the base policy\n      - Option to accelerate the base cover on diagnosis of enlisted Critical Illnesses (CI)\n      - Customised schemes for employee benefits\n      - Flexibility to pay one-time, annual, semi-annual, quarterly, or monthly premiums\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Non-Linked_Group_Critical_Illness_Rider.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-non-linked-critical-illness-rider.html)\n    - [ICICI Pru Group Non-Linked Accidental Death and Disability Rider](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-non-linked-accidental-death-and-disability-rider.html)\n      - Added layer of protection against accidental death or disability\n      - Choice to opt in at the start or renewal of the base policy\n      - Option to accelerate the base cover on diagnosis of enlisted Critical Illnesses (CI)\n      - Employers can avail of tax\\* benefits as per the prevailing laws\n      - Flexibility to pay one-time, annual, semi-annual, quarterly, or monthly premiums\n      - Avail of the tax\\* benefits as per prevailing laws\n      \n      - [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/groups-brochure\/ICICI_Pru_Non_Linked_Group_ADD_Rider-Brochure.pdf)\n      - [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-non-linked-accidental-death-and-disability-rider.html)\n  \n  [View All Plans](https:\/\/www.iciciprulife.com\/insurance-plans\/view-all-insurance-plans.html?UID=1060)\n- [Term Insurance]()\n  - [Term insurance](https:\/\/www.iciciprulife.com\/term-insurance.html?UID=38232)\n  - [Term Insurance for Women](https:\/\/www.iciciprulife.com\/term-insurance\/term-insurance-for-women.html?UID=39947)\n  - [Term insurance calculator](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=39943)\n  - [₹1 Crore term insurance](https:\/\/www.iciciprulife.com\/term-insurance-plans\/buy-1-crore-term-insurance.html?UID=39945)\n  - 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The importance of saving money cannot be overemphasised.\n\nSaving is an excellent habit that you must inculcate early on in life to ensure your financial security.\n\nLife is always throwing new challenges. While you cannot predict these, you can always prepare for them. Learning how to save money for any future contingencies is one of the best things you can do to ensure that you are able to tackle life’s many hurdles. Your savings can give you a sense of power and protection that can help you navigate through obstacles and emergencies and enjoy your life to the fullest.\n\nMajor reasons to save money include:\n\n- To have an emergency fund to cover unexpected expenses such as a medical emergency or an unexpected expensive repair for your home or vehicle\n- To have a [retirement fund](https:\/\/www.iciciprulife.com\/retirement-pension-plans.html) to take care of your day-to-day expenses after you retire\n- To make [investments](https:\/\/www.iciciprulife.com\/investments.html) that can earn an income that beats inflation\n- To make a down payment for your home or other big purchases\n- To pay for your children’s education and marriage\n\nBesides the above, you can also find your reasons to save, but save you must\\!\n\n## How to Automate Your Savings?\nBelow is a step-by-step guide to automating your savings:\n\n### Choose an Amount\nStart by selecting an amount that you think is suitable for your financial goals. Assess your income and monthly expenditure and select an amount that is easily manageable yet sufficient to meet future financial goals.\n\n### Set Automatic Transfers\nMost banks offer automatic transfer services. You can set up a transfer from a salary or primary account to a savings plan to ensure regular contributions. Transfers can be scheduled on a monthly, quarterly or annual basis, depending on your personal preferences.\n\n### Utilise Employer Savings Programs\nIf your employer offers savings schemes like the Employees’ Provident Fund (EPF), you can use it to save for your future needs. You can link your salary account to these schemes so that a portion of your income is automatically saved each month.\n\n### Recurring Deposits\nYou can consider setting up a Recurring Deposit (RD) with your bank. Automatic transfers into an RD can help you save regularly while earning interest. When the deposit matures, you will have a lump sum of savings plus the interest earned.\n\nCOMP\/DOC\/Mar\/2025\/263\/8671\n\n## Top Ways to Save Money\nBelow are some tips to save money:\n\n- ### **Do not keep too much debt**\n  Debt diminishes your savings. While you may get lump sum funds through a loan or a credit card, the high interest rates will erode your savings in the long run. Therefore, limiting your debt is crucial to save money.\n- ### **Buy genuine products**\n  A counterfeit or low-quality product may be inexpensive but would not last you as long as the original product. You may save money in the short term but would end up spending more on repair, maintenance, or repurchase in the long term. So, choose genuine products.\n- ### **Create a budget and track expenses regularly**\n  Expenses are a part of life. Some expenses are fixed and some are variable. Tracking your monthly expenses will give you an idea of where you spend your money. Once you do this, creating a budget is a simple way to get your finances in place. This way, you can use your money efficiently, plan for financial milestones and have something for emergencies.\n- ### **Prioritise paying off high-interest debts**\n  Interest is payable on any loans that you may have availed of. The higher the interest rate, the higher is your financial outflow. It makes financial sense to pay off all debts and loans as quickly as possible to save money on the interest component. This is especially true in the case of debts which have higher interest rates attached to them.\n- ### **Build an emergency fund**\n  While emergencies can occur at any time, your regular expenses do not stop. This is why most financial planners would recommend individuals to build an emergency fund. An emergency fund should typically be in a multiple of 3 to 6 times your regular and unavoidable monthly expenses. This can help you in your time of need without having to rely on any debt.\n- ### **Use credit cards wisely**\n  Credit cards offer immense convenience and hence are a go-to choice when it comes to making payments and emergencies. However, not paying credit card dues on time can lead to multiple issues. This can be avoided by being mindful of your spending habits, using the card for emergencies or specific financial purchases, and avoiding late payment of your dues.\n- ### **Smart shopping for major purchases**\n  Occasionally, we all tend to make a major purchase. An appliance, a new vehicle or that odd piece of furniture that needs to be replaced are such things. At such times, looking for the best deals or offers available in the market to get the best price for your new purchase makes sense. Often these savings seem small but can add up substantially over time.\n- ### **Make good use of any extra or unexpected income**\n  You may earn money from various sources besides your salary\/business income. Some examples include, a cash gift from a loved one, interest income from investments, bonuses earned at work, cash rewards from credit cards, a lottery and more. Instead of spending this money, it can help to prioritise saving it for your future needs.\n- ### **Deactivate any auto-subscriptions or memberships**\n  Auto-subscriptions can simplify your life, but they can also add up to your expenditure. You may often not realise the extent of your spending as they are automatically deducted from your account. It can help to go through them once and disable all subscriptions you no longer need or use.\n- ### **Lower your energy costs**\n  You can lower your electricity bill by being conscious of your usage. Turn off all electrical appliances when not in use, and switch to greener alternatives like solar energy, smart technology and more. It can also help to rely on natural light as and when you can.\n- ### **Lower your cell phone bills**\n  With several network providers in the market, you can easily browse through plans and pick something affordable. For instance, consider using family plans or couple plans to lower your cell phone bills.\n- ### **Avoid spending money on outside food or entertainment purposes**\n  Being mindful of your spending when you step out to eat or socialise is important. Many people end up losing track of their money when they go out. However, being conscious of your expenses can help you curb your spending.\n- ### **Look for discounts, coupon codes, and cash backs**\n  Looking for discounts, coupon codes, or cash backs can be a great way to reduce your expenses. Many brands offer rewards and discounts from time to time. You can plan your purchases when the seller is offering a festive discount and cut your spending considerably.\n- ### **Do It Yourself**\n  You can follow online tutorials and do-it-yourself videos to do small repairs and chores yourself instead of hiring help and reducing your monthly expenditure.\n- ### **Sell anything that you no longer need**\n  You can sell your old clothes, gadgets, shoes, watches and other items, that you no longer use. This can help you in two ways – you can earn money from the sale and you get to save money on the maintenance of some of these items.\n- ### **Make saving a habit**\n  Try to make saving a part of your life. Once it becomes a habit, you will no longer need to go out of your way to save money. You will automatically think about your financial future and the well-being of your family.\n\n[![how-to-save-money](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/how-to-save-money.jpg)](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/how-to-save-money.jpg)\n\n## 11 Things to know about how to save money\nBelow are the top tips to save money not just for your short-term goals but also the long-term ones:\n\n- ### **Tip \\#1 - Keep track of your expenses**\n  You can track your expenses on a mobile app or document your expenses in a notepad. This can help you identify things you can eliminate to boost your savings.\n- ### **Tip \\#2 - Make savings a priority in your budget**\n  It is important to add savings as a part of your monthly budget. It is also crucial to fix a savings rate and stick to it each month, irrespective of expenditure.\n- ### **Tip \\#3 - Establish your financial priorities**\n  Instead of mindlessly saving or spending, fix specific short-term, mid-term and long-term financial goals. This can offer you a roadmap and help you achieve your goals in a structured manner.\n- ### **Tip \\#4 - Allocate a budget**\n  The most important thing when saving money is to exercise strong will power to not touch the money earmarked for savings. It’s possible that you may give up your resolve to save and utilise the funds for some unwarranted expenditure. Be wary of this. Stick to the budget and do not exceed it. Instead, make all efforts to try and save even from a tight budget.\n- ### **Tip \\#5 - Evaluate your spending habits**\n  Constantly evaluate your shopping and spending habits to take advantage of any extra savings possible. You can consider looking at your bank account statements or credit card history for the last few months to get an idea of what, where and how you spend. Based on your findings you can try to avoid some expenses. Make a conscious decision to set aside the amount saved. This will help to enlarge your savings kitty.\n- ### **Tip \\#6 - Involve your family**\n  Another good strategy is to involve your family members in your savings habit. You can also create a competition among your family members to see who would save the most every month.\n- ### **Tip \\#7 - Find ways to reduce spending**\n  Try to spot the things you can do to lower your expenses, such as unwanted subscriptions, not tracking your weekly and monthly expenses and more. Being conscious of your spending habits can help you curb the need to spend.\n- ### **Tip \\#8 - Set savings goals**\n  Setting goals while saving money can help you save in a systematic manner. Goals can be either short-term or long-term:  \n   Short-term goals are events that you expect to happen in the near future. For example, buying a vehicle or going on a vacation. On the other hand, long-term goals are events that have a longer time horizon. Buying a house or planning for your retirement are usually considered as long-term goals  \n   Knowing your goals beforehand will help you identify the right plan to invest in. For example, if you are saving for a long-term goal like your child’s wedding, you can consider investing in a plan like ICICI Pru Guaranteed Income for Tomorrow. This plan provides guaranteed\\* returns that can help you achieve your long-term goals. It also provides a life cover\\` that can protect your loved ones financially in case of an unfortunate event.\n- ### **Tip \\#9 - Open a savings account**\n  The best way to bring discipline in your savings habit is to open a separate account for your savings, apart from your regular salary or business account. Transfer the amount set aside for savings to this separate account. You can then invest in different savings instruments directly from this account.\n- ### **Tip \\#10 - Invest in savings plans**\n  [Life insurance savings plans](https:\/\/www.iciciprulife.com\/protection-saving-plans.html) can help you save to take care of your needs and the needs of your family. They help in developing a regular saving habit and can give good returns. This keeps you financially prepared for any emergency.\n- ### **Tip \\#11 - Automate your savings and investments**\n  Instead of automating your payments, consider automating towards the choice of your savings and [investment plans](https:\/\/www.iciciprulife.com\/investments\/investment-plans.html) to ensure you prioritise your future financial security without fail.\n\nCOMP\/DOC\/Jun\/2023\/306\/3389\n\n#### [FAQs](https:\/\/www.iciciprulife.com\/investments\/how-to-save-money.html#f1)\n### 1\\. What is the 30-day rule to save money?\nThe 30-day rule is a personal finance strategy that helps you control your impulse spending habits. According to the rule, you must wait for at least 30 days before you make a purchase. The principle behind this rule is that you need to give yourself time to evaluate whether you genuinely require the item you wish to buy or not.\n\nWhen you delay the purchase by 30 days, you can avoid unnecessary spending and gain better control over your finances. The rule states that if, after 30 days, you still feel that the item is necessary and aligns with your budget and needs, you can go ahead and buy it.\n\nThis approach helps you make more mindful spending decisions and makes you financially disciplined.\n\n### 2\\. What are the best ways to build an emergency fund?\nBelow are some effective strategies to build an emergency fund:\n\n- **Start small and be consistent:** You can begin by setting aside a portion of your income into a dedicated savings account each month. Make sure to be consistent and follow through each month to ensure your emergency fund gradually grows with time\n- **Aim to save enough to cover six to eight months of expenses:** The general recommendation is to save enough to cover six to eight months of your living expenses. This amount typically provides a sufficient buffer for most financial emergencies\n- **Set up automatic transfers:** You can automate your savings by setting up regular transfers to your emergency fund. This ensures that you consistently contribute without having to think about it\n### 3\\. What are effective strategies for saving money quickly?\nHere are some effective money saving tips to save money quickly:\n\n- **Create and stick to a budget:** It is important to establish a detailed budget to track your salary and expenses\n- **Set a high savings target:** Determine a savings goal, preferably a higher percentage, and set up automatic transfers to your savings account. While setting a high percentage can be hard, it can help you if you need money quickly\n- **Cut back on discretionary spending:** Reduce spending on non-essential items and pivot these into your savings. You can also apply the 30-day rule to avoid impulse purchases\n### 4\\. How can I save money with a low income?\nSaving money on a low income is difficult, but it is still achievable as long as you follow the right approach. You can start by setting a fixed percentage of your income to save each month. For instance, 10% to 15% can be an achievable benchmark. No matter how much you earn, make sure that you consistently stick to this percentage. This can help you build savings over time.\n\n### 5\\. How can you save more money and become more financially independent?\nIt is essential to adopt a proactive approach to save more money and achieve greater financial independence. You can start by making a habit of saving a percentage of your monthly income. Remember to set clear financial targets for different financial goals. This can help you be more focused and avoid impulse purchases while also staying away from debt. It is important to manage your spending carefully and focus on saving rather than overspending to gradually build your savings and be financially independent.\n\n### 6\\. How can I save money if I’m living paycheque to paycheque?\nLiving paycheque to paycheque can make it difficult to save money, but there are some money saving tips that can help.\n\nYou can start by analysing your spending habits and see if you can make any cuts. For example, you can consider cancelling non-essential subscriptions from online streaming services or opt to walk more often instead of taking cabs to save on transportation costs.\n\nAdditionally, review your income sources and find ways to increase your earnings. You can take on part-time work, pursue higher-paying job opportunities or consider freelance work. Any extra money that you earn can be directed towards building your savings pool.\n\n### 7\\. Should I pay off the debt or save money first?\nDeciding whether to pay off debt or save money first can be a challenging spot to be in, but it is important to consider both aspects of your financial health. Paying off debt, especially high-interest debt, is crucial because the interest can quickly accumulate and increase the total amount you owe. In such a case, prioritising your debt repayment can help you reduce your liabilities.\n\nHowever, having some savings is also important to tackle unexpected expenses without taking on more debt. Moreover, if you are saving for an urgent goal, it may be beneficial to divide your money between paying off debt and saving. For example, you could allocate a portion of your income to debt repayment while setting aside a smaller amount for savings.\n\nThis balanced approach can help you address both financial needs at the same time.\n\nCOMP\/DOC\/Oct\/2024\/2110\/7431\n## **People like you also read ...**\n[![Why investing early is important](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/articles\/compare-term-plans\/Life_Insurance.jpg) Why investing early is important](https:\/\/www.iciciprulife.com\/investments\/why-investing-early-is-important.html)\n\n[![How to Invest Money?](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/articles\/compare-term-plans\/How-to-Invest-Money.jpg) How to Invest Money?](https:\/\/www.iciciprulife.com\/investments\/how-to-invest-money.html)\n\n[![Monthly Investment Plans](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/articles\/compare-term-plans\/investments.jpg) Monthly Investment Plans](https:\/\/www.iciciprulife.com\/investment-options\/monthly-investment-plans.html)\n\n[![One Time Investment Plans](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/articles\/compare-term-plans\/monthly-investment-plans.jpg) One Time Investment Plans](https:\/\/www.iciciprulife.com\/investments\/one-time-investment.html)\n\nCOMP\/DOC\/Apr\/2020\/34\/3458\n\n#### [Disclaimer](https:\/\/www.iciciprulife.com\/investments\/how-to-save-money.html#discsr-acco)\n\\* Guaranteed benefits in the form of lump sum will be payable under Lump Sum Plan option. Guaranteed benefits in the form of regular income will be payable under Income Plan option and Early Income Plan option provided all due premiums have been pai\n\n\\` Life cover is the benefit payable on death of the Life Assured during the policy term. 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Advisor](https:\/\/www.iciciprulife.com\/insurance-careers\/life-insurance-sales-advisor-details.html)\n\n[Testimonials]()\n\n[back]()\n\n- Claim amount paid out in single instalmentD4 (lumpsum)\n- Up to 5%\\` Online Discount (Lifetime)\n- Affordable High Life Cover2a to protect your family\n- Up to 15%S Salaried Discount (For 1st Year premium)\n- Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout\n- Optional 60 Critical Illnesses2 cover & Accidental Death Benefit3 cover\n\n[check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=39385)\n\n[back]()\n\n- Instant issuance\\# with 0 paperwork\n- Affordable life cover1 with 0% GST on premiums\n- Digital income verificationD with no income proof requiredI\n- Exclusively for salaried person with income greater than ₹10 Lakh\n- Up to 15%S salaried discount on 1st year premiums + up to 5%\\` lifetime online discount\n\n[Check Eligibility](https:\/\/www.iciciprulife.com\/life-insurance\/saral-jeevan-bima-buy-online-calculator.html?UID=55475)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Saral_Jeevan_Bima_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/life-insurance\/icici-pru-saral-jeevan-bima-plan.html)\n\nW\/II\/1360\/2025-26\n\n[back]()\n\n- Claim amount paid to nominee in monthlyD1 instalments\n- Up to 5%\\` Online Discount (Lifetime)\n- Up to 15%S Salaried Discount (For 1st Year premium)\n- In-built Terminal Illness Benefit6 and 12-month premium break4 option\n- Optional 60 Critical Illnesses2 cover & Accidental Death Benefit3 cover\n\n[check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=39919&persona=monthlyincome)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=39385)\n\nW\/II\/1316\/2023-24\n\n[back]()\n\n- Affordable High Life Cover1 to protect your family\n- Flat 15%F Discount for Women on Life Cover (Lifetime)\n- Up to 5%\\` Online Discount (Lifetime)\n- Up to 15%S Salaried Discount (For 1st Year premium)\n- 60 Critical Illnesses Cover2 (Optional)\n- Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout\n\n[check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=41117&persona=Working_Women)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=41117)\n\nW\/II\/0354\/2024-25\n\n[back]()\n\n- Affordable Life cover1 to protect your family: No Income Documents RequiredI\n- 12-month Premium BreakP @ ₹0 extra cost\n- Terminal Illness Benefit6 and 100% Premium Refund3 option @ ₹0 extra cost\n- Optional Additional Accidental Death4 and Disability5 rider\n- On 1st Year Premium: 12%\\! Online Discount & 7%L Loyalty Discount\n- Flat 15%F Lifetime Female Discount\n\n[check premium](https:\/\/www.iciciprulife.com\/term-insurance\/buy-iprotect-super-online.html?UID=43644)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Super_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/iprotect-super-term-plan.html?UID=43644)\n\n[back]()\n\n- Life cover1 to provide coverage against death and terminal illness\n- Complimentary health management and wellbeing services2\n- 15% lower premiums for women3 as compared to male lives\n- Option of Premium Break4 to defer premiums by 12 months\n\n[check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/icici-pru-iprotect-care-term-calculator.html?UID=56631)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Care_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/icici-pru-iprotect-care.html)\n\n[back]()\n\n- Affordable High Life Cover2a to protect your family\n- 100% Total Premium Refund° option\n- Optional 60 Critical Illnesses2 cover of up to ₹ 1.5 crore\n- Optional Accidental Death Benefit3 cover of up to ₹ 3 crore\n- In-built Terminal Illness Benefit6 and 12-month premium break4 option\n- Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout and returns\n- Up to 15% discountS on first year's premium for salaried customers\n\n[check premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=39385&persona=smartexit)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=39385)\n\n[back]()\n\n- Potential to grow your wealth with Market Linked Returns\n- Life cover1 up to 125x of Annual Premium7\n- Return of Mortality and premium allocation charges2\n- Unlimited tax-free\\* partial withdrawals4 allowed, that too free of cost\n- Take control of your investments with unlimited free fund switches6\n- Tax benefit\\* on premiums paid and tax-free\\* claims payout and returns\n\n[BUY ONLINE](https:\/\/www.iciciprulife.com\/ulip-plans\/buy-icici-protect-and-gain.html?UID=39385)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Protect_N_Gain_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-protect-and-gain.html?UID=39385)\n\n[back]()\n\n- High life cover1 to protect your family\n- Guaranteed3 100% return of premium3 on survival\n- Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout and returns\n- Optional Accidental Death Rider4 of up to ₹ 3 crore\n- Optional Accidental Total and Permanent Disability Rider5 of up to ₹ 3 crore\n- 15%F lower premiums for women (lifetime)\n\n[CHECK PREMIUM](https:\/\/www.iciciprulife.com\/term-insurance-plans\/return-of-premium-term-plan.html?UID=37034)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-iProtect-Smart-ROP-Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/iprotect-smart-return-of-premium-term-plan.html?UID=37034)\n\nW\/II\/1208\/2024-25\n\n[back]()\n\n- Affordable Life cover1 to protect your family: No Income Documents RequiredI\n- 12-month Premium BreakP @ ₹0 extra cost\n- Terminal Illness Benefit6 and 100% Premium Refund3 option @ ₹0 extra cost\n- Optional Additional Accidental Death4 and Disability5 rider\n- On 1st Year Premium: 12%\\! Online Discount & 7%L Loyalty Discount\n- Flat 15%F Lifetime Female Discount\n\n[check premium](https:\/\/www.iciciprulife.com\/term-insurance\/buy-iprotect-super-online.html?UID=43645)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_iProtect_Super_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance\/iprotect-super-term-plan.html?UID=43645)\n\n[back]()\n\n- Get tax\\*\\- free market linked returns\n- Zero charges\\! – No premium allocation and policy administration charges\n- Adopt to changing markets with free unlimited fund switching2\n- Inbuilt life cover1 to financially protect your family\n\n[Buy Online](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-smart-insurance-plan-plus.html?UID=1160)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_SIP_Plus_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-smart-insurance-plan-plus.html)\n\nT\\&C Apply\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- Create wealth with market-linked returns\n- Life cover1 + premium waiver2 + income3 benefit to financially protect your loved ones\n- Tax\\*-free returns\n- Loyalty additions4 of 2.5% of fund value\n- Access to make withdrawals13 from fund\n\n[Buy Online](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-ulip-signature-assure.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Assure_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-ulip-signature-assure.html)\n\nT\\&C Apply\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- Investment and returns in US dollars, enabling wealth creation without INR depreciation risk\n- Portfolio diversification through investment in global and Indian markets\n- Life cover3 that protects your family’s future\n- Systematic withdrawal plan9 to withdraw money regularly from your policy\n- Flexibility of partial withdrawals\n- Waiver of premium option1\n\n[Buy Now](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/buy-icici-pru-global-wealth-multiplier-for-nri.html?UID=3)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/prospectus\/ICICI-Pru-Global-Wealth-Multiplier-Prospectus.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/global-insurance-plans\/icici-pru-global-wealth-multiplier.html)\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- Potential to grow wealth through market linked returns\n- Level of life cover2 as per your choice\n- Systematic withdrawal plan3 to withdraw money regularly from your policy\n- Tax benefits\\* as per prevailing tax laws\n- Choice of 4 portfolio strategies and wide range of funds4\n\n[Buy Online](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-pru-platinum-online.html?UID=41143)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-platinum.html)\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Platinum_Brochure.pdf)\n\n[back]()\n\n- Build your retirement corpus through market-linked returns and live a stress-free life after retirement\n- Tax-free commutation of up to 60% of the vesting benefit1\n- Flexibility of Partial Withdrawals2\n- Choice of 3 portfolio strategies and a wide range of funds3\n- Low-cost charge structure with return of charges at vesting4\n\n[Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/buy-icici-pru-signature-pension-plan.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Pension_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-signature-pension-plan.html?UID=1725)\n\n[back]()\n\n- Invest only once and enjoy benefits for entire policy term\n- 100% amount invested in wide range of funds\n- Choice of multiple funds\n- Life cover to protect your loved ones\n- Tax benefits\n\n[Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-single-premium-policy-pru-one-wealth.html?UID=1725)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru1_Wealth_Brochure.pdf)\n\n[back]()\n\nPremium starts at \\`2500\/- p.m.\n\n- Invest in your choice of equity, debt or balanced funds\n- Choice of 4 portfolio strategies\n- Life cover to protect your loved ones\n- Get rewarded with Loyalty Additions & Wealth Boosters\n- Tax benefits\n\n[BUY ONLINE](https:\/\/www.iciciprulife.com\/ulip-plans\/buy-icici-ulip-returns-calculator-lifetime-classic-online.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_LifeTime_Classic_Brochure_Final.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-ulip-lifetime-classic-plan.html?UID=1725)\n\n[back]()\n\n- Grow your wealth through market linked returns\n- Goal Assurance with Future Secure2 (i.e. Waiver of Premium)\n- Financial security for your family in your absence with life cover6 and Family Income5\n- Return3 of premium allocation charges and policy administration charges at maturity\n- Assurance of protecting your investments through Maturity Protect4\n- Choice of 4 portfolio strategies and wide range of funds1\n- Tax benefits7 as per prevailing tax laws\n\n[Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Smart_Goal_Assure_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-smart-goal-assure.html)\n\n[back]()\n\n- Financial protection for your loved ones with life cover\n- Tax\\*-free returns\n- Return of mortality and policy administration charges1\n- Withdraw money regularly from your policy with SWP3\n\n[BUY ONLINE](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-signature-ulip-calculator.html?UID=1160)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Online_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-ulip-signature.html?UID=1725)\n\nFor offline Signature refer to [Offline Signature Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Offline_Brochure.pdf)\n\n[back]()\n\n- Financial protection for your loved ones with life insurance cover3\n- Return of Total Premium Allocation Charges at a compounding rate of 7% per annum1\n- High Premium Benefit to boost your fund value2\n- Enjoy policy benefits till 99 years of age with Whole Life policy term option\n- Systematic withdrawal plan4 to withdraw money regularly from your policy\n\n[Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/unit-linked-insurance-plans\/icici-pru-wealth-elite-pro.html)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Wealth-Elite-Pro.pdf)\n\n[back]()\n\n- Create a corpus for your child's future with market linked returns\n- Life cover1 + in built premium waiver18 to financially protect your child in your absence\n- Income3 benefit to cover necessary expenses in case of parent’s sudden demise\n- Tax\\* benefits under the Income Tax Act, 2025\n\n[buy online](https:\/\/www.iciciprulife.com\/child-insurance\/buy-icici-pru-ulip-smartkid-assure.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Assure_Brochure.pdf)\n\n\\* T\\&C Apply\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- A 360° plan to protect your child’s future with guarantee2\n- Flexibility to get payouts as per child’s milestones^\n- Life Cover1 + waiver of premium18 + regular income3 guaranteed2 in your absence\n- 100% tax-free\\* returns and tax\\* benefits on premiums paid under the Income Tax Act, 2025\n\n[BUY ONLINE](https:\/\/www.iciciprulife.com\/child-insurance\/buy-icici-pru-smartkid-360.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Smart-Kid-360-Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/child-insurance\/icici-pru-smart-kid-360.html)\n\n\\*T\\&C Apply\n\nW\/II\/1778\/2025-26\n\n[back]()\n\n- Market-linked returns12 + 100% security9 of investment\n- Life Cover4 to financially protect your loved ones in your absence\n- Wealth boosters1 addition to boost your returns\n- Tax2\\-free returns\n\n[Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Prudential_Signature_Capital_Guarantee_II_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/capital-guarantee-plan.html)\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- 100% Capital guarantee1 + market-linked returns2\n- Diverse fund options across equity, balanced and debt\n- Protect your loved ones financially with a life cover4\n- Tax benefits3 as per prevailing tax laws\n- Boost your returns with maturity boosters6\n\n[Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/capital-guarantee-solution-calculator.html?UID=39761)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Save_N_Grow_Brochure.pdf)\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- Guaranteed Income2 to help you achieve your financial goals\n- Flexibility to choose Percentage of MoneyBack Benefit4 and when you want to receive MoneyBack Benefit4\n- Life Insurance Cover1 for financial security of your family\n\n[Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-gift-pro.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GIFT_Pro_Brochure_V23_Webview.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gift-pro.html?UID=1725)\n- [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GIFT_Pro_Brochure.pdf)\n\n2Conditions apply\n\n[back]()\n\n- Guaranteed benefits1 in the form of lump sum\n- Life insurance cover2 for financial security of your family\n- Tax benefits3 may be applicable on premiums paid and benefits received as per prevailing tax laws\n\n[Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-guaranteed-income-for-tomorrow-calculator.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Guaranteed_Income_For_Tomorrow.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-guaranteed-income-for-tomorrow.html?UID=1160)\n\n[back]()\n\n- Regular income1 up to 99 years of age followed by a lump sum2 on maturity\n- Option to start receiving income immediately from the end of 1st policy year or defer3 it for a few years as per your need\n- Choice to start receiving income instantly within 7 working days of realisation of first year's premium by the company post issuance of the policy\n- Protection through life cover4 till up to 99 years of age\n- Tax benefits5 may be applicable on premiums paid and benefits received as per prevailing tax laws\n\n[Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-gold.html?UID=37635)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GOLD_Brochure_Webview.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gold.html?UID=1725)\n- [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Gold-Brochure.pdf)\n\n[back]()\n\n- Savings with the comfort of guarantee\\#\n- Flexibility in premium payment term\n- Security of your loved ones with potential for wealth creation and your Life Cover1\n\n[BUY ONLINE](https:\/\/www.iciciprulife.com\/money-back-endowment-plans\/future-perfect-savings-plan-calculator.html?UID=1160)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI%20Future%20Perfect%20-%20Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/money-back-endowment-plans\/future-perfect-endowment-plan.html?UID=1725)\n\n[back]()\n\n- Build your retirement corpus through market-linked returns and live a stress-free life after retirement\n- Tax-free commutation of up to 60% of the vesting benefit1\n- Flexibility of Partial Withdrawals2\n- Choice of 3 portfolio strategies and a wide range of funds3\n- Low-cost charge structure with return of charges at vesting4\n\n[Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/buy-icici-pru-signature-pension-plan.html?UID=1160)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Signature_Pension_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-signature-pension-plan.html?UID=1725)\n\n[back]()\n\n- A regular-pay deferred annuity plan that helps you gradually build the retirement savings and provide guaranteed income for life\n- Flexible premium paying terms and deferment periods\n- Choice of increasing annuity options that will give you inflation hedged retirement income in your golden years\n- Flexibility to withdraw up to 60% of total premiums paid as lumpsum\n- Financial security for your family even in your absence, with the Waiver of Premium feature3\n- Annuity plan can cover either single or joint life2\n- Tax benefits as per prevailing tax laws\n\n[Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-flexi-calculator.html?UID=1160)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GPP_Flexi_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-flexi.html?UID=1725)\n- [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GPP_Flexi_Prospectus.pdf)\n\n[back]()\n\n- Pay just once and get a guaranteed lifelong income\n- Continue pension for spouse after you with the Joint Life1 option\n- Purchase Price is returned back to your nominee2\n- Option to avail a loan against your policy3\n\n[Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/buy-icici-pru-saral-pension-plan.html?UID=1160)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Saral_Pension_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-saral-pension-plan.html?UID=1725)\n\n[back]()\n\n- Build your retirement savings with guaranteed benefits1 & bonuses2\n- Tax-free commutation of upto 60% of the vesting benefit3\n- Flexibility of cash withdrawals4\n- Free health check-up5\n\n[Buy Online](https:\/\/buy.iciciprulife.com\/buy\/EBI.htm#\/PreEBI\/D05)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/icici-pru-gold-pension-savings.html?UID=1725)\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Gold_Pension_Savings_Brochure.pdf)\n\n1 T\\&C Apply\n\n[back]()\n\n- Single premium plan to get guaranteed income for the rest of your life\n- Option to defer income by up to 10 years\n- Annuity plan can cover either single or joint life\n- Flexible payout options to suit your need\n- Tax benefits^ on premiums paid and on maturity\n\n[Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPDA)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan.html)\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Guaranteed_Pension_Plan.pdf)\n\n[back]()\n\n- Single premium plan to get guaranteed income for the rest of your life\n- Option to get annuity income as early as next month\n- Annuity plan can cover either single or joint life\n- Flexible payout options to suit your need\n- Tax benefits^ on premiums paid and on maturity\n\n[Buy Online](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPIA)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Know More](https:\/\/www.iciciprulife.com\/retirement-pension-plans\/guaranteed-pension-plan.html)\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Guaranteed_Pension_Plan.pdf)\n\n[back]()\n\n- Get comprehensive life cover1 along with potential to grow your wealth with Market Linked Returns\n- 1X return of mortality2 charges from 11th year onwards\n- 1X return of premium allocation charges2 charges from 11th year onwards\n- LoyaltyL additions: Extra units from policy year (67 less Entry Age) and onwards\n- Coverc continuance booster: Protection from adverse market scenarios\n- 20% Maturity booster3\n\n[CHECK PREMIUM](https:\/\/www.iciciprulife.com\/ulip-plans\/buy-icici-protect-and-gain-whole-life.html?UID=56633)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Protect_N_Gain_Whole_Life_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/ulip-plans\/icici-pru-protect-and-gain-whole-life.html)\n\n[back]()\n\n- Increasing life cover1 to secure a legacy@ for your family\n- 100% payout on Terminal illness3\n- Complimentary health checkup\\#\n- Return of 100% of Total Premium Paid upon maturity^^\n\n[Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-wealth-forever.html?UID=1725)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wealth_Forever_Brochure.pdf)\n- [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wealth_Forever_Prospectus.pdf)\n\n[back]()\n\n- A regular income 1 up to 99 years of age\n- A lumpsum 2 on maturity as your legacy for your loved ones\n- Protection of life cover4 throughout the policy term\n- Tax5 benefits may be applicable on premiums paid and benefits received as per prevailing tax laws\n\n[Buy Online](https:\/\/www.iciciprulife.com\/protection-saving-plans\/buy-icici-pru-gold.html?UID=37635)\n\n[Meet Advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_GOLD_Brochure_Webview.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/protection-saving-plans\/icici-pru-gold.html?UID=1725)\n- [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI-Pru-Gold-Brochure.pdf)\n\n[back]()\n\n- Comprehensive coverage1 against women specific critical illnesses2 and surgeries2\n- Cover1 for surgeries2 resulting from specific illnesses2\n- Fixed lump sum1 pay-out on diagnosis of any of the covered critical illnesses2\n- Premium remains guaranteed3 throughout the coverage term\n- Coverage1 for pregnancy complications and newborn complications through Maternity Care Benefit under Health Care Plus plan option\n- Premium Sabbatical4 Benefit which allows you to get one full year’s premium holiday, while enjoying full policy benefits\n\n[Check Premium](https:\/\/www.iciciprulife.com\/health-insurance\/buy-icici-pru-wish.html?UID=43629)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wish_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/health-insurance\/icici-pru-wish.html)\n- [![](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/all\/prospectus-brochure-icon.svg) Prospectus](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Wish_Prospectus.pdf)\n\n[back]()\n\n- Up to ₹1.5 crore 60 Critical Illnesses2 cover (optional)\n- Adequate Life cover2a to protect your family\n- Covers diseases2 like Cancer, Heart Attack, organ failure, etc. (optional)\n- Lumpsum Optional Critical Illness2 claims payout based on diagnostic report\n- In-built Terminal Illness Benefit6 and 12-month premium break4 option\n- Tax benefit\\* on premiums paid and tax-free\\*\\* claims payout and returns\n\n[Check Premium](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-term-insurance-calculator.html?UID=43583)\n\n[meet advisor](https:\/\/www.iciciprulife.com\/contact-us\/send-me-an-advisor.html)\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI%20Pru%20iProtect%20Smart.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/term-insurance-plans\/iprotect-smart-plus-term-plan.html?UID=43583)\n\n\\*Conditions apply\n\n[back]()\n\n- Competitive premium rates\n- Flexible premium payment modes\n- Customized coverage as per organization’s structure\n- Seamless addition\/removal of new employees\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Term_Plus_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-term-plus.html)\n\n[back]()\n\n- Choose from a range of 10 Debt and Equity oriented funds\n- Market-linked returns\n- Policy value- based loyalty additions added every year\n- Tax\\* benefits as per prevailing laws\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Unit_Linked_Employee_Benefit_Plan.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-unit-linked-employee-benefit-plan.html)\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- Interest accruals at the end of each financial year\n- Flexibility to deposit contributions\n- Withdrawals from the policy under defined scheme rules\n- Customised schemes for employee benefits\n- Tax\\* benefits as per prevailing tax laws\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Suraksha_Plus.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-suraksha-plus.html)\n\n[back]()\n\n- Choose from 8 fund options\n- Free switching between funds at no extra cost\\*\n- Loyalty additions allocated at the end of every financial year based on policy value\n- Tax\\* benefits as per prevailing laws\n- Annuity purchase options including joint life and return of purchase price\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Unit_Linked_Superannuation_Plus.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-unit-linked-superannuation-plus.html)\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- Choice of 5 fund options\n- Minimum 100% capital guarantee on contributions\n- Tax\\* benefits as per prevailing laws\n- Policy value-based loyalty additions\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Unit_Linked_Superannuation.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-unit-linked-superannuation.html)\n\nIN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.\n\n[back]()\n\n- Interest accruals at the end of the financial year\n- Minimum guarantees as per scheme options to the extent of 100% of contributions made\n- Employee benefits payable on exit as per scheme rules\n- Tax\\* benefits as per prevailing laws\n- Annuity purchase options including joint life and return of purchase price\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Group_Suraksha_Plus_Superannuation.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-suraksha-plus-superannuation.html)\n\n[back]()\n\n- Wide range of annuity options\n- Fixed payout, that is free from market fluctuations\n- Immediate annuity payout - monthly, quarterly, half-yearly or yearly\n- Return of Purchase Price (optional) on death, Critical Illness or Permanent Disability due to accident\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/Group_Immediate_Annuity_Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/immediate-annuity.html)\n\n[back]()\n\n- Covers up to 33 critical illnesses\n- Opt in at the start or renewal of the base policy\n- Option to accelerate the base cover on diagnosis of enlisted Critical Illnesses (CI)\n- Customised schemes for employee benefits\n- Flexibility to pay one-time, annual, semi-annual, quarterly, or monthly premiums\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/brochures\/ICICI_Pru_Non-Linked_Group_Critical_Illness_Rider.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-non-linked-critical-illness-rider.html)\n\n[back]()\n\n- Added layer of protection against accidental death or disability\n- Choice to opt in at the start or renewal of the base policy\n- Option to accelerate the base cover on diagnosis of enlisted Critical Illnesses (CI)\n- Employers can avail of tax\\* benefits as per the prevailing laws\n- Flexibility to pay one-time, annual, semi-annual, quarterly, or monthly premiums\n- Avail of the tax\\* benefits as per prevailing laws\n\n- [Brochure](https:\/\/www.iciciprulife.com\/content\/dam\/icicipru\/groups-brochure\/ICICI_Pru_Non_Linked_Group_ADD_Rider-Brochure.pdf)\n- [Know More](https:\/\/www.iciciprulife.com\/group-insurance-plans\/group-non-linked-accidental-death-and-disability-rider.html)\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n[back]()\n\n- [History](https:\/\/www.iciciprulife.com\/about-us\/company-overview.html)\n- [Promoters](https:\/\/www.iciciprulife.com\/about-us\/company-overview\/promoters.html?ID=about-promoters)\n- [Board of Directors](https:\/\/www.iciciprulife.com\/about-us\/company-overview\/board-of-directors.html?ID=about-bod)\n- [Board Committees](https:\/\/www.iciciprulife.com\/about-us\/company-overview\/board-committees.html?ID=about-com)\n- [Key Persons](https:\/\/www.iciciprulife.com\/about-us\/company-overview\/key-persons.html?ID=about-mang)\n- [Corporate Social Responsibility](https:\/\/www.iciciprulife.com\/about-us\/company-overview\/corporate-social-responsibility.html?ID=about-csr)\n\n[back]()\n\n- [Financial Information](https:\/\/www.iciciprulife.com\/about-us\/investor-relations\/financial-information.html?ID=about2)\n- [Public Disclosures](https:\/\/www.iciciprulife.com\/about-us\/investor-relations\/yearly-public-disclosures.html?ID=about3)\n- [Active Agents List](https:\/\/www.iciciprulife.com\/about-us\/investor-relations\/yearly-public-disclosures.html?ID=about3)\n- [Information to Shareholder](https:\/\/www.iciciprulife.com\/about-us\/shareholder-information\/notices.html?ID=about-notice)\n- [Bulletin Board](https:\/\/www.iciciprulife.com\/about-us\/bulletin-board.html?ID=about4)\n\n[back]()\n\n- Corporate Policies\n  \n  [Know More](https:\/\/www.iciciprulife.com\/about-us\/corporate-policies.html?ID=about-corp)\n\n[back]()\n\n- [Press Releases](https:\/\/www.iciciprulife.com\/about-us\/media-center\/press-releases.html?ID=about5)\n\n[back]()\n\n- Awards and Accolades\n  \n  [View Awards](https:\/\/www.iciciprulife.com\/about-us\/media-center\/awards-and-accolades.html?ID=about6)\n\n[back]()\n\n- View Our Ads\n  \n  [View Ads](https:\/\/www.iciciprulife.com\/about-us\/media-center\/view-our-ads.html?ID=about7)\n\n[back]()\n\n[back]()","attrs_readable_markdown":"### 1\\. What is the 30-day rule to save money?\nThe 30-day rule is a personal finance strategy that helps you control your impulse spending habits. According to the rule, you must wait for at least 30 days before you make a purchase. The principle behind this rule is that you need to give yourself time to evaluate whether you genuinely require the item you wish to buy or not.\n\nWhen you delay the purchase by 30 days, you can avoid unnecessary spending and gain better control over your finances. The rule states that if, after 30 days, you still feel that the item is necessary and aligns with your budget and needs, you can go ahead and buy it.\n\nThis approach helps you make more mindful spending decisions and makes you financially disciplined.\n\n### 2\\. What are the best ways to build an emergency fund?\nBelow are some effective strategies to build an emergency fund:\n\n- **Start small and be consistent:** You can begin by setting aside a portion of your income into a dedicated savings account each month. Make sure to be consistent and follow through each month to ensure your emergency fund gradually grows with time\n- **Aim to save enough to cover six to eight months of expenses:** The general recommendation is to save enough to cover six to eight months of your living expenses. This amount typically provides a sufficient buffer for most financial emergencies\n- **Set up automatic transfers:** You can automate your savings by setting up regular transfers to your emergency fund. This ensures that you consistently contribute without having to think about it\n### 3\\. What are effective strategies for saving money quickly?\nHere are some effective money saving tips to save money quickly:\n\n- **Create and stick to a budget:** It is important to establish a detailed budget to track your salary and expenses\n- **Set a high savings target:** Determine a savings goal, preferably a higher percentage, and set up automatic transfers to your savings account. While setting a high percentage can be hard, it can help you if you need money quickly\n- **Cut back on discretionary spending:** Reduce spending on non-essential items and pivot these into your savings. You can also apply the 30-day rule to avoid impulse purchases\n### 4\\. How can I save money with a low income?\nSaving money on a low income is difficult, but it is still achievable as long as you follow the right approach. You can start by setting a fixed percentage of your income to save each month. For instance, 10% to 15% can be an achievable benchmark. No matter how much you earn, make sure that you consistently stick to this percentage. This can help you build savings over time.\n\n### 5\\. How can you save more money and become more financially independent?\nIt is essential to adopt a proactive approach to save more money and achieve greater financial independence. You can start by making a habit of saving a percentage of your monthly income. Remember to set clear financial targets for different financial goals. This can help you be more focused and avoid impulse purchases while also staying away from debt. It is important to manage your spending carefully and focus on saving rather than overspending to gradually build your savings and be financially independent.\n\n### 6\\. How can I save money if I’m living paycheque to paycheque?\nLiving paycheque to paycheque can make it difficult to save money, but there are some money saving tips that can help.\n\nYou can start by analysing your spending habits and see if you can make any cuts. For example, you can consider cancelling non-essential subscriptions from online streaming services or opt to walk more often instead of taking cabs to save on transportation costs.\n\nAdditionally, review your income sources and find ways to increase your earnings. You can take on part-time work, pursue higher-paying job opportunities or consider freelance work. Any extra money that you earn can be directed towards building your savings pool.\n\n### 7\\. Should I pay off the debt or save money first?\nDeciding whether to pay off debt or save money first can be a challenging spot to be in, but it is important to consider both aspects of your financial health. Paying off debt, especially high-interest debt, is crucial because the interest can quickly accumulate and increase the total amount you owe. In such a case, prioritising your debt repayment can help you reduce your liabilities.\n\nHowever, having some savings is also important to tackle unexpected expenses without taking on more debt. Moreover, if you are saving for an urgent goal, it may be beneficial to divide your money between paying off debt and saving. For example, you could allocate a portion of your income to debt repayment while setting aside a smaller amount for savings.\n\nThis balanced approach can help you address both financial needs at the same time.\n\nCOMP\/DOC\/Oct\/2024\/2110\/7431","meta_canonical":null}

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Meta Title	How to Save Money - Smart Saving Tips 2026
Meta Description	Discover smart ways to save money in India with expert financial tips, investment strategies & life insurance options. Start your savings journey today!
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Boilerpipe Text	1. What is the 30-day rule to save money? The 30-day rule is a personal finance strategy that helps you control your impulse spending habits. According to the rule, you must wait for at least 30 days before you make a purchase. The principle behind this rule is that you need to give yourself time to evaluate whether you genuinely require the item you wish to buy or not. When you delay the purchase by 30 days, you can avoid unnecessary spending and gain better control over your finances. The rule states that if, after 30 days, you still feel that the item is necessary and aligns with your budget and needs, you can go ahead and buy it. This approach helps you make more mindful spending decisions and makes you financially disciplined. 2. What are the best ways to build an emergency fund? Below are some effective strategies to build an emergency fund: Start small and be consistent: You can begin by setting aside a portion of your income into a dedicated savings account each month. Make sure to be consistent and follow through each month to ensure your emergency fund gradually grows with time Aim to save enough to cover six to eight months of expenses: The general recommendation is to save enough to cover six to eight months of your living expenses. This amount typically provides a sufficient buffer for most financial emergencies Set up automatic transfers: You can automate your savings by setting up regular transfers to your emergency fund. This ensures that you consistently contribute without having to think about it 3. What are effective strategies for saving money quickly? Here are some effective money saving tips to save money quickly: Create and stick to a budget: It is important to establish a detailed budget to track your salary and expenses Set a high savings target: Determine a savings goal, preferably a higher percentage, and set up automatic transfers to your savings account. While setting a high percentage can be hard, it can help you if you need money quickly Cut back on discretionary spending: Reduce spending on non-essential items and pivot these into your savings. You can also apply the 30-day rule to avoid impulse purchases 4. How can I save money with a low income? Saving money on a low income is difficult, but it is still achievable as long as you follow the right approach. You can start by setting a fixed percentage of your income to save each month. For instance, 10% to 15% can be an achievable benchmark. No matter how much you earn, make sure that you consistently stick to this percentage. This can help you build savings over time. 5. How can you save more money and become more financially independent? It is essential to adopt a proactive approach to save more money and achieve greater financial independence. You can start by making a habit of saving a percentage of your monthly income. Remember to set clear financial targets for different financial goals. This can help you be more focused and avoid impulse purchases while also staying away from debt. It is important to manage your spending carefully and focus on saving rather than overspending to gradually build your savings and be financially independent. 6. How can I save money if I’m living paycheque to paycheque? Living paycheque to paycheque can make it difficult to save money, but there are some money saving tips that can help. You can start by analysing your spending habits and see if you can make any cuts. For example, you can consider cancelling non-essential subscriptions from online streaming services or opt to walk more often instead of taking cabs to save on transportation costs. Additionally, review your income sources and find ways to increase your earnings. You can take on part-time work, pursue higher-paying job opportunities or consider freelance work. Any extra money that you earn can be directed towards building your savings pool. 7. Should I pay off the debt or save money first? Deciding whether to pay off debt or save money first can be a challenging spot to be in, but it is important to consider both aspects of your financial health. Paying off debt, especially high-interest debt, is crucial because the interest can quickly accumulate and increase the total amount you owe. In such a case, prioritising your debt repayment can help you reduce your liabilities. However, having some savings is also important to tackle unexpected expenses without taking on more debt. Moreover, if you are saving for an urgent goal, it may be beneficial to divide your money between paying off debt and saving. For example, you could allocate a portion of your income to debt repayment while setting aside a smaller amount for savings. This balanced approach can help you address both financial needs at the same time. COMP/DOC/Oct/2024/2110/7431
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Optional Additional Accidental Death4 and Disability5 rider - On 1st Year Premium: 12%\! Online Discount & 7%L Loyalty Discount - Flat 15%F Lifetime Female Discount [check premium](https://www.iciciprulife.com/term-insurance/buy-iprotect-super-online.html?UID=43644) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_iProtect_Super_Brochure.pdf) - [Know More](https://www.iciciprulife.com/term-insurance/iprotect-super-term-plan.html?UID=43644) - [ICICI Pru iProtect Care](https://www.iciciprulife.com/term-insurance/icici-pru-iprotect-care.html) - Life cover1 to provide coverage against death and terminal illness - Complimentary health management and wellbeing services2 - 15% lower premiums for women3 as compared to male lives - Option of Premium Break4 to defer premiums by 12 months [check premium](https://www.iciciprulife.com/term-insurance-plans/icici-pru-iprotect-care-term-calculator.html?UID=56631) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_iProtect_Care_Brochure.pdf) - [Know More](https://www.iciciprulife.com/term-insurance/icici-pru-iprotect-care.html) - [Term Insurance with Returns]() - [ICICI Pru iProtect Smart Plus(Smart Exit Option)](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-term-insurance-calculator.html?UID=2399&persona=smartexit) - Affordable High Life Cover2a to protect your family - 100% Total Premium Refund° option - Optional 60 Critical Illnesses2 cover of up to ₹ 1.5 crore - Optional Accidental Death Benefit3 cover of up to ₹ 3 crore - In-built Terminal Illness Benefit6 and 12-month premium break4 option - Tax benefit\* on premiums paid and tax-free\\ claims payout and returns - Up to 15% discountS on first year's premium for salaried customers [check premium](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-term-insurance-calculator.html?UID=39385&persona=smartexit) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_iProtect_Smart_Plus_Brochure.pdf) - [Know More](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-plus-term-plan.html?UID=39385) - [ICICI Pru Protect N Gain(Market Linked Return)](https://www.iciciprulife.com/ulip-plans/icici-protect-and-gain.html?UID=39385) - Potential to grow your wealth with Market Linked Returns - Life cover1 up to 125x of Annual Premium7 - Return of Mortality and premium allocation charges2 - Unlimited tax-free\* partial withdrawals4 allowed, that too free of cost - Take control of your investments with unlimited free fund switches6 - Tax benefit\* on premiums paid and tax-free\* claims payout and returns [BUY ONLINE](https://www.iciciprulife.com/ulip-plans/buy-icici-protect-and-gain.html?UID=39385) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Protect_N_Gain_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/icici-protect-and-gain.html?UID=39385) - [ICICI Pru iProtect Smart Return of Premium(Guaranteed3 Return)](https://www.iciciprulife.com/term-insurance/iprotect-smart-return-of-premium-term-plan.html?UID=37034) - High life cover1 to protect your family - Guaranteed3 100% return of premium3 on survival - Tax benefit\* on premiums paid and tax-free\\ claims payout and returns - Optional Accidental Death Rider4 of up to ₹ 3 crore - Optional Accidental Total and Permanent Disability Rider5 of up to ₹ 3 crore - 15%F lower premiums for women (lifetime) [CHECK PREMIUM](https://www.iciciprulife.com/term-insurance-plans/return-of-premium-term-plan.html?UID=37034) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-iProtect-Smart-ROP-Brochure.pdf) - [Know More](https://www.iciciprulife.com/term-insurance/iprotect-smart-return-of-premium-term-plan.html?UID=37034) W/II/1208/2024-25 - [ICICI Pru iProtect Super(No income documents requiredI)](https://www.iciciprulife.com/term-insurance/buy-iprotect-super-online.html?UID=43645) - Affordable Life cover1 to protect your family: No Income Documents RequiredI - 12-month Premium BreakP @ ₹0 extra cost - Terminal Illness Benefit6 and 100% Premium Refund3 option @ ₹0 extra cost - Optional Additional Accidental Death4 and Disability5 rider - On 1st Year Premium: 12%\! Online Discount & 7%L Loyalty Discount - Flat 15%F Lifetime Female Discount [check premium](https://www.iciciprulife.com/term-insurance/buy-iprotect-super-online.html?UID=43645) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_iProtect_Super_Brochure.pdf) - [Know More](https://www.iciciprulife.com/term-insurance/iprotect-super-term-plan.html?UID=43645) - [ULIP (UNIT LINKED INSURANCE PLANS)](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans.html) - [ICICI Pru Smart Insurance Plan Plus (SIP+) (New)](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/buy-icici-pru-smart-insurance-plan-plus.html) - Get tax\\- free market linked returns - Zero charges\! – No premium allocation and policy administration charges - Adopt to changing markets with free unlimited fund switching2 - Inbuilt life cover1 to financially protect your family [Buy Online](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/buy-icici-pru-smart-insurance-plan-plus.html?UID=1160) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_SIP_Plus_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-smart-insurance-plan-plus.html) T\&C Apply IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Pru Signature Assure (Popular)](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/buy-icici-pru-ulip-signature-assure.html?UID=1160) - Create wealth with market-linked returns - Life cover1 + premium waiver2 + income3 benefit to financially protect your loved ones - Tax\-free returns - Loyalty additions4 of 2.5% of fund value - Access to make withdrawals13 from fund [Buy Online](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/buy-icici-pru-ulip-signature-assure.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Assure_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-ulip-signature-assure.html) T\&C Apply IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Pru Global Wealth Multiplier (GIFT City) (New)](https://www.iciciprulife.com/global-insurance-plans/icici-pru-global-wealth-multiplier.html) - Investment and returns in US dollars, enabling wealth creation without INR depreciation risk - Portfolio diversification through investment in global and Indian markets - Life cover3 that protects your family’s future - Systematic withdrawal plan9 to withdraw money regularly from your policy - Flexibility of partial withdrawals - Waiver of premium option1 [Buy Now](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/buy-icici-pru-global-wealth-multiplier-for-nri.html?UID=3) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/prospectus/ICICI-Pru-Global-Wealth-Multiplier-Prospectus.pdf) - [Know More](https://www.iciciprulife.com/global-insurance-plans/icici-pru-global-wealth-multiplier.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Pru Platinum](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-platinum.html) - Potential to grow wealth through market linked returns - Level of life cover2 as per your choice - Systematic withdrawal plan3 to withdraw money regularly from your policy - Tax benefits\* as per prevailing tax laws - Choice of 4 portfolio strategies and wide range of funds4 [Buy Online](https://www.iciciprulife.com/ulip-plans/icici-pru-platinum-online.html?UID=41143) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-platinum.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Platinum_Brochure.pdf) - [ICICI Pru Signature Pension](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-signature-pension-plan.html) - Build your retirement corpus through market-linked returns and live a stress-free life after retirement - Tax-free commutation of up to 60% of the vesting benefit1 - Flexibility of Partial Withdrawals2 - Choice of 3 portfolio strategies and a wide range of funds3 - Low-cost charge structure with return of charges at vesting4 [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/buy-icici-pru-signature-pension-plan.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Pension_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-signature-pension-plan.html?UID=1725) - [ICICI Pru1 Wealth](https://www.iciciprulife.com/ulip-plans/icici-single-premium-policy-pru-one-wealth.html?UID=2399) - Invest only once and enjoy benefits for entire policy term - 100% amount invested in wide range of funds - Choice of multiple funds - Life cover to protect your loved ones - Tax benefits [Know More](https://www.iciciprulife.com/ulip-plans/icici-single-premium-policy-pru-one-wealth.html?UID=1725) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru1_Wealth_Brochure.pdf) - [ICICI Pru LifeTime Classic](https://www.iciciprulife.com/ulip-plans/icici-ulip-lifetime-classic-plan.html?UID=2399) Premium starts at \`2500/- p.m. - Invest in your choice of equity, debt or balanced funds - Choice of 4 portfolio strategies - Life cover to protect your loved ones - Get rewarded with Loyalty Additions & Wealth Boosters - Tax benefits [BUY ONLINE](https://www.iciciprulife.com/ulip-plans/buy-icici-ulip-returns-calculator-lifetime-classic-online.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_LifeTime_Classic_Brochure_Final.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/icici-ulip-lifetime-classic-plan.html?UID=1725) - [ICICI Pru Smart Goal Assure](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-smart-goal-assure.html) - Grow your wealth through market linked returns - Goal Assurance with Future Secure2 (i.e. Waiver of Premium) - Financial security for your family in your absence with life cover6 and Family Income5 - Return3 of premium allocation charges and policy administration charges at maturity - Assurance of protecting your investments through Maturity Protect4 - Choice of 4 portfolio strategies and wide range of funds1 - Tax benefits7 as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Smart_Goal_Assure_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-smart-goal-assure.html) - [ICICI Pru Signature](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-ulip-signature.html?UID=2399) - Financial protection for your loved ones with life cover - Tax\-free returns - Return of mortality and policy administration charges1 - Withdraw money regularly from your policy with SWP3 [BUY ONLINE](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-signature-ulip-calculator.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Online_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-ulip-signature.html?UID=1725) For offline Signature refer to [Offline Signature Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Offline_Brochure.pdf) - [ICICI Pru Wealth Elite Pro](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-wealth-elite-pro.html) - Financial protection for your loved ones with life insurance cover3 - Return of Total Premium Allocation Charges at a compounding rate of 7% per annum1 - High Premium Benefit to boost your fund value2 - Enjoy policy benefits till 99 years of age with Whole Life policy term option - Systematic withdrawal plan4 to withdraw money regularly from your policy [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-wealth-elite-pro.html) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Wealth-Elite-Pro.pdf) - [Child Plans](https://www.iciciprulife.com/child-insurance/child-insurance-plans.html) - [ICICI Pru SmartKid Assure (Bestseller)](https://www.iciciprulife.com/child-insurance/buy-icici-pru-ulip-smartkid-assure.html?UID=1160) - Create a corpus for your child's future with market linked returns - Life cover1 + in built premium waiver18 to financially protect your child in your absence - Income3 benefit to cover necessary expenses in case of parent’s sudden demise - Tax\ benefits under the Income Tax Act, 2025 [buy online](https://www.iciciprulife.com/child-insurance/buy-icici-pru-ulip-smartkid-assure.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Assure_Brochure.pdf) \* T\&C Apply IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Pru SmartKid 360 (New)](https://www.iciciprulife.com/child-insurance/icici-pru-smart-kid-360.html) - A 360° plan to protect your child’s future with guarantee2 - Flexibility to get payouts as per child’s milestones^ - Life Cover1 + waiver of premium18 + regular income3 guaranteed2 in your absence - 100% tax-free\* returns and tax\* benefits on premiums paid under the Income Tax Act, 2025 [BUY ONLINE](https://www.iciciprulife.com/child-insurance/buy-icici-pru-smartkid-360.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Smart-Kid-360-Brochure.pdf) - [Know More](https://www.iciciprulife.com/child-insurance/icici-pru-smart-kid-360.html) \T\&C Apply W/II/1778/2025-26 - [ULIP WITH CAPITAL GUARANTEE](https://www.iciciprulife.com/protection-saving-plans/capital-guarantee-plan.html) - [ICICI Prudential Signature Capital Guarantee II](https://www.iciciprulife.com/protection-saving-plans/capital-guarantee-plan.html) - Market-linked returns12 + 100% security9 of investment - Life Cover4 to financially protect your loved ones in your absence - Wealth boosters1 addition to boost your returns - Tax2\-free returns [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Prudential_Signature_Capital_Guarantee_II_Brochure.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/capital-guarantee-plan.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Prudential Save ‘N’ Grow](https://www.iciciprulife.com/protection-saving-plans/capital-guarantee-solution-calculator.html?UID=39761) - 100% Capital guarantee1 + market-linked returns2 - Diverse fund options across equity, balanced and debt - Protect your loved ones financially with a life cover4 - Tax benefits3 as per prevailing tax laws - Boost your returns with maturity boosters6 [Buy Online](https://www.iciciprulife.com/protection-saving-plans/capital-guarantee-solution-calculator.html?UID=39761) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Save_N_Grow_Brochure.pdf) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [SAVINGS PLANS](https://www.iciciprulife.com/protection-saving-plans.html) - [ICICI Pru GIFT ProGuaranteed Income Plan](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gift-pro.html?UID=2399) - Guaranteed Income2 to help you achieve your financial goals - Flexibility to choose Percentage of MoneyBack Benefit4 and when you want to receive MoneyBack Benefit4 - Life Insurance Cover1 for financial security of your family [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-gift-pro.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GIFT_Pro_Brochure_V23_Webview.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gift-pro.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GIFT_Pro_Brochure.pdf) 2Conditions apply - [ICICI Pru Guaranteed Income For TomorrowGuaranteed Lumpsum Plan](https://www.iciciprulife.com/protection-saving-plans/icici-pru-guaranteed-income-for-tomorrow.html?UID=1160) - Guaranteed benefits1 in the form of lump sum - Life insurance cover2 for financial security of your family - Tax benefits3 may be applicable on premiums paid and benefits received as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/icici-pru-guaranteed-income-for-tomorrow-calculator.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Income_For_Tomorrow.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-guaranteed-income-for-tomorrow.html?UID=1160) - [ICICI Pru Gold](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gold.html) - Regular income1 up to 99 years of age followed by a lump sum2 on maturity - Option to start receiving income immediately from the end of 1st policy year or defer3 it for a few years as per your need - Choice to start receiving income instantly within 7 working days of realisation of first year's premium by the company post issuance of the policy - Protection through life cover4 till up to 99 years of age - Tax benefits5 may be applicable on premiums paid and benefits received as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-gold.html?UID=37635) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GOLD_Brochure_Webview.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gold.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Gold-Brochure.pdf) - [ICICI Pru Future Perfect](https://www.iciciprulife.com/money-back-endowment-plans/future-perfect-endowment-plan.html?UID=2399) - Savings with the comfort of guarantee\# - Flexibility in premium payment term - Security of your loved ones with potential for wealth creation and your Life Cover1 [BUY ONLINE](https://www.iciciprulife.com/money-back-endowment-plans/future-perfect-savings-plan-calculator.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI%20Future%20Perfect%20-%20Brochure.pdf) - [Know More](https://www.iciciprulife.com/money-back-endowment-plans/future-perfect-endowment-plan.html?UID=1725) - [RETIREMENT AND PENSION PLANS](https://www.iciciprulife.com/retirement-pension-plans.html) - [ICICI Pru Signature Pension (New)(Market Linked Return)](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-signature-pension-plan.html?UID=2399) - Build your retirement corpus through market-linked returns and live a stress-free life after retirement - Tax-free commutation of up to 60% of the vesting benefit1 - Flexibility of Partial Withdrawals2 - Choice of 3 portfolio strategies and a wide range of funds3 - Low-cost charge structure with return of charges at vesting4 [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/buy-icici-pru-signature-pension-plan.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Pension_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-signature-pension-plan.html?UID=1725) - [ICICI Pru Guaranteed Pension Plan FlexiRegular Premium Future Income](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-flexi.html?UID=2399) - A regular-pay deferred annuity plan that helps you gradually build the retirement savings and provide guaranteed income for life - Flexible premium paying terms and deferment periods - Choice of increasing annuity options that will give you inflation hedged retirement income in your golden years - Flexibility to withdraw up to 60% of total premiums paid as lumpsum - Financial security for your family even in your absence, with the Waiver of Premium feature3 - Annuity plan can cover either single or joint life2 - Tax benefits as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-flexi-calculator.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GPP_Flexi_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-flexi.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GPP_Flexi_Prospectus.pdf) - [ICICI Pru Saral Pension PlanSingle Premium Immediate Income](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-saral-pension-plan.html?UID=2399) - Pay just once and get a guaranteed lifelong income - Continue pension for spouse after you with the Joint Life1 option - Purchase Price is returned back to your nominee2 - Option to avail a loan against your policy3 [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/buy-icici-pru-saral-pension-plan.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Saral_Pension_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-saral-pension-plan.html?UID=1725) - [ICICI Pru Gold Pension Savings Plan](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-gold-pension-savings.html?UID=2399) - Build your retirement savings with guaranteed benefits1 & bonuses2 - Tax-free commutation of upto 60% of the vesting benefit3 - Flexibility of cash withdrawals4 - Free health check-up5 [Buy Online](https://buy.iciciprulife.com/buy/EBI.htm#/PreEBI/D05) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-gold-pension-savings.html?UID=1725) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Gold_Pension_Savings_Brochure.pdf) 1 T\&C Apply - [ICICI Pru Guaranteed Pension PlanDeferred Annuity](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan.html) - Single premium plan to get guaranteed income for the rest of your life - Option to defer income by up to 10 years - Annuity plan can cover either single or joint life - Flexible payout options to suit your need - Tax benefits^ on premiums paid and on maturity [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPDA) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Pension_Plan.pdf) - [ICICI Pru Guaranteed Pension PlanImmediate Annuity](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan.html) - Single premium plan to get guaranteed income for the rest of your life - Option to get annuity income as early as next month - Annuity plan can cover either single or joint life - Flexible payout options to suit your need - Tax benefits^ on premiums paid and on maturity [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPIA) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Pension_Plan.pdf) - [Legacy Plans](https://www.iciciprulife.com/health-insurance/health-insurance-plans.html) - [ICICI Pru Protect N Gain Whole Life](https://www.iciciprulife.com/ulip-plans/icici-pru-protect-and-gain-whole-life.html) - Get comprehensive life cover1 along with potential to grow your wealth with Market Linked Returns - 1X return of mortality2 charges from 11th year onwards - 1X return of premium allocation charges2 charges from 11th year onwards - LoyaltyL additions: Extra units from policy year (67 less Entry Age) and onwards - Coverc continuance booster: Protection from adverse market scenarios - 20% Maturity booster3 [CHECK PREMIUM](https://www.iciciprulife.com/ulip-plans/buy-icici-protect-and-gain-whole-life.html?UID=56633) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Protect_N_Gain_Whole_Life_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/icici-pru-protect-and-gain-whole-life.html) - [ICICI Pru Wealth Forever](https://www.iciciprulife.com/protection-saving-plans/icici-pru-wealth-forever.html) - Increasing life cover1 to secure a legacy@ for your family - 100% payout on Terminal illness3 - Complimentary health checkup\# - Return of 100% of Total Premium Paid upon maturity^^ [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-wealth-forever.html?UID=1725) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wealth_Forever_Brochure.pdf) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wealth_Forever_Prospectus.pdf) - [ICICI Pru Gold](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gold.html?UID=2399) - A regular income 1 up to 99 years of age - A lumpsum 2 on maturity as your legacy for your loved ones - Protection of life cover4 throughout the policy term - Tax5 benefits may be applicable on premiums paid and benefits received as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-gold.html?UID=37635) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GOLD_Brochure_Webview.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gold.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Gold-Brochure.pdf) - [Health Insurance Plans](https://www.iciciprulife.com/health-insurance/health-insurance-plans.html) - [ICICI Pru Wish](https://www.iciciprulife.com/health-insurance/icici-pru-wish.html) - Comprehensive coverage1 against women specific critical illnesses2 and surgeries2 - Cover1 for surgeries2 resulting from specific illnesses2 - Fixed lump sum1 pay-out on diagnosis of any of the covered critical illnesses2 - Premium remains guaranteed3 throughout the coverage term - Coverage1 for pregnancy complications and newborn complications through Maternity Care Benefit under Health Care Plus plan option - Premium Sabbatical4 Benefit which allows you to get one full year’s premium holiday, while enjoying full policy benefits [Check Premium](https://www.iciciprulife.com/health-insurance/buy-icici-pru-wish.html?UID=43629) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wish_Brochure.pdf) - [Know More](https://www.iciciprulife.com/health-insurance/icici-pru-wish.html) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wish_Prospectus.pdf) - [ICICI Pru iProtect Smart Plus(Life Cover + Critical Illness Cover)](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-plus-term-plan.html?UID=2399) - Up to ₹1.5 crore 60 Critical Illnesses2 cover (optional) - Adequate Life cover2a to protect your family - Covers diseases2 like Cancer, Heart Attack, organ failure, etc. (optional) - Lumpsum Optional Critical Illness2 claims payout based on diagnostic report - In-built Terminal Illness Benefit6 and 12-month premium break4 option - Tax benefit\ on premiums paid and tax-free\\ claims payout and returns [Check Premium](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-term-insurance-calculator.html?UID=43583) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI%20Pru%20iProtect%20Smart.pdf) - [Know More](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-plus-term-plan.html?UID=43583) \Conditions apply - [Group Insurance Plans](https://www.iciciprulife.com/group-insurance-plans.html) - [ICICI Pru Group Term Plus](https://www.iciciprulife.com/group-insurance-plans/group-term-plus.html) - Competitive premium rates - Flexible premium payment modes - Customized coverage as per organization’s structure - Seamless addition/removal of new employees - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Term_Plus_Brochure.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-term-plus.html) - [ICICI Pru Group Unit Linked Employee Benefit Plan](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-employee-benefit-plan.html) - Choose from a range of 10 Debt and Equity oriented funds - Market-linked returns - Policy value- based loyalty additions added every year - Tax\ benefits as per prevailing laws - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Unit_Linked_Employee_Benefit_Plan.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-employee-benefit-plan.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Pru Group Suraksha Plus](https://www.iciciprulife.com/group-insurance-plans/group-suraksha-plus.html) - Interest accruals at the end of each financial year - Flexibility to deposit contributions - Withdrawals from the policy under defined scheme rules - Customised schemes for employee benefits - Tax\* benefits as per prevailing tax laws - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Suraksha_Plus.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-suraksha-plus.html) - [ICICI Pru Group Unit Linked Superannuation Plus](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-superannuation-plus.html) - Choose from 8 fund options - Free switching between funds at no extra cost\* - Loyalty additions allocated at the end of every financial year based on policy value - Tax\* benefits as per prevailing laws - Annuity purchase options including joint life and return of purchase price - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Unit_Linked_Superannuation_Plus.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-superannuation-plus.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Pru Group Unit Linked Superannuation](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-superannuation.html) - Choice of 5 fund options - Minimum 100% capital guarantee on contributions - Tax\* benefits as per prevailing laws - Policy value-based loyalty additions - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Unit_Linked_Superannuation.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-superannuation.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. - [ICICI Pru Group Suraksha Plus Superannuation](https://www.iciciprulife.com/group-insurance-plans/group-suraksha-plus-superannuation.html) - Interest accruals at the end of the financial year - Minimum guarantees as per scheme options to the extent of 100% of contributions made - Employee benefits payable on exit as per scheme rules - Tax\* benefits as per prevailing laws - Annuity purchase options including joint life and return of purchase price - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Suraksha_Plus_Superannuation.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-suraksha-plus-superannuation.html) - [ICICI Pru Immediate Annuity](https://www.iciciprulife.com/group-insurance-plans/immediate-annuity.html) - Wide range of annuity options - Fixed payout, that is free from market fluctuations - Immediate annuity payout - monthly, quarterly, half-yearly or yearly - Return of Purchase Price (optional) on death, Critical Illness or Permanent Disability due to accident - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/Group_Immediate_Annuity_Brochure.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/immediate-annuity.html) - [ICICI Pru Group Non-Linked Critical Illness Rider](https://www.iciciprulife.com/group-insurance-plans/group-non-linked-critical-illness-rider.html) - Covers up to 33 critical illnesses - Opt in at the start or renewal of the base policy - Option to accelerate the base cover on diagnosis of enlisted Critical Illnesses (CI) - Customised schemes for employee benefits - Flexibility to pay one-time, annual, semi-annual, quarterly, or monthly premiums - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Non-Linked_Group_Critical_Illness_Rider.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-non-linked-critical-illness-rider.html) - [ICICI Pru Group Non-Linked Accidental Death and Disability Rider](https://www.iciciprulife.com/group-insurance-plans/group-non-linked-accidental-death-and-disability-rider.html) - Added layer of protection against accidental death or disability - Choice to opt in at the start or renewal of the base policy - Option to accelerate the base cover on diagnosis of enlisted Critical Illnesses (CI) - Employers can avail of tax\* benefits as per the prevailing laws - Flexibility to pay one-time, annual, semi-annual, quarterly, or monthly premiums - Avail of the tax\* benefits as per prevailing laws - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/groups-brochure/ICICI_Pru_Non_Linked_Group_ADD_Rider-Brochure.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-non-linked-accidental-death-and-disability-rider.html) [View All Plans](https://www.iciciprulife.com/insurance-plans/view-all-insurance-plans.html?UID=1060) - [Term Insurance]() - [Term insurance](https://www.iciciprulife.com/term-insurance.html?UID=38232) - [Term Insurance for Women](https://www.iciciprulife.com/term-insurance/term-insurance-for-women.html?UID=39947) - [Term insurance calculator](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-term-insurance-calculator.html?UID=39943) - 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[![Start Investing](https://www.iciciprulife.com/content/dam/icicipru/all/buynow.png) Start Investing Investing](https://www.iciciprulife.com/protection-saving-plans/icici-pru-guaranteed-income-for-tomorrow-calculator.html "Start") - [Home](https://www.iciciprulife.com/ "Home") - [Life Insurance](https://www.iciciprulife.com/life-insurance.html "Life Insurance") - [How to Save Money]("How to Save Money") ## Importance of Saving Money “Don’t save what is left after spending; spend what is left after saving” is the advice given by the world’s most successful investor Warren Buffet. The importance of saving money cannot be overemphasised. Saving is an excellent habit that you must inculcate early on in life to ensure your financial security. Life is always throwing new challenges. While you cannot predict these, you can always prepare for them. Learning how to save money for any future contingencies is one of the best things you can do to ensure that you are able to tackle life’s many hurdles. Your savings can give you a sense of power and protection that can help you navigate through obstacles and emergencies and enjoy your life to the fullest. Major reasons to save money include: - To have an emergency fund to cover unexpected expenses such as a medical emergency or an unexpected expensive repair for your home or vehicle - To have a [retirement fund](https://www.iciciprulife.com/retirement-pension-plans.html) to take care of your day-to-day expenses after you retire - To make [investments](https://www.iciciprulife.com/investments.html) that can earn an income that beats inflation - To make a down payment for your home or other big purchases - To pay for your children’s education and marriage Besides the above, you can also find your reasons to save, but save you must\! ## How to Automate Your Savings? Below is a step-by-step guide to automating your savings: ### Choose an Amount Start by selecting an amount that you think is suitable for your financial goals. Assess your income and monthly expenditure and select an amount that is easily manageable yet sufficient to meet future financial goals. ### Set Automatic Transfers Most banks offer automatic transfer services. You can set up a transfer from a salary or primary account to a savings plan to ensure regular contributions. Transfers can be scheduled on a monthly, quarterly or annual basis, depending on your personal preferences. ### Utilise Employer Savings Programs If your employer offers savings schemes like the Employees’ Provident Fund (EPF), you can use it to save for your future needs. You can link your salary account to these schemes so that a portion of your income is automatically saved each month. ### Recurring Deposits You can consider setting up a Recurring Deposit (RD) with your bank. Automatic transfers into an RD can help you save regularly while earning interest. When the deposit matures, you will have a lump sum of savings plus the interest earned. COMP/DOC/Mar/2025/263/8671 ## Top Ways to Save Money Below are some tips to save money: - ### Do not keep too much debt Debt diminishes your savings. While you may get lump sum funds through a loan or a credit card, the high interest rates will erode your savings in the long run. Therefore, limiting your debt is crucial to save money. - ### Buy genuine products A counterfeit or low-quality product may be inexpensive but would not last you as long as the original product. You may save money in the short term but would end up spending more on repair, maintenance, or repurchase in the long term. So, choose genuine products. - ### Create a budget and track expenses regularly Expenses are a part of life. Some expenses are fixed and some are variable. Tracking your monthly expenses will give you an idea of where you spend your money. Once you do this, creating a budget is a simple way to get your finances in place. This way, you can use your money efficiently, plan for financial milestones and have something for emergencies. - ### Prioritise paying off high-interest debts Interest is payable on any loans that you may have availed of. The higher the interest rate, the higher is your financial outflow. It makes financial sense to pay off all debts and loans as quickly as possible to save money on the interest component. This is especially true in the case of debts which have higher interest rates attached to them. - ### Build an emergency fund While emergencies can occur at any time, your regular expenses do not stop. This is why most financial planners would recommend individuals to build an emergency fund. An emergency fund should typically be in a multiple of 3 to 6 times your regular and unavoidable monthly expenses. This can help you in your time of need without having to rely on any debt. - ### Use credit cards wisely Credit cards offer immense convenience and hence are a go-to choice when it comes to making payments and emergencies. However, not paying credit card dues on time can lead to multiple issues. This can be avoided by being mindful of your spending habits, using the card for emergencies or specific financial purchases, and avoiding late payment of your dues. - ### Smart shopping for major purchases Occasionally, we all tend to make a major purchase. An appliance, a new vehicle or that odd piece of furniture that needs to be replaced are such things. At such times, looking for the best deals or offers available in the market to get the best price for your new purchase makes sense. Often these savings seem small but can add up substantially over time. - ### Make good use of any extra or unexpected income You may earn money from various sources besides your salary/business income. Some examples include, a cash gift from a loved one, interest income from investments, bonuses earned at work, cash rewards from credit cards, a lottery and more. Instead of spending this money, it can help to prioritise saving it for your future needs. - ### Deactivate any auto-subscriptions or memberships Auto-subscriptions can simplify your life, but they can also add up to your expenditure. You may often not realise the extent of your spending as they are automatically deducted from your account. It can help to go through them once and disable all subscriptions you no longer need or use. - ### Lower your energy costs You can lower your electricity bill by being conscious of your usage. Turn off all electrical appliances when not in use, and switch to greener alternatives like solar energy, smart technology and more. It can also help to rely on natural light as and when you can. - ### Lower your cell phone bills With several network providers in the market, you can easily browse through plans and pick something affordable. For instance, consider using family plans or couple plans to lower your cell phone bills. - ### Avoid spending money on outside food or entertainment purposes Being mindful of your spending when you step out to eat or socialise is important. Many people end up losing track of their money when they go out. However, being conscious of your expenses can help you curb your spending. - ### Look for discounts, coupon codes, and cash backs Looking for discounts, coupon codes, or cash backs can be a great way to reduce your expenses. Many brands offer rewards and discounts from time to time. You can plan your purchases when the seller is offering a festive discount and cut your spending considerably. - ### Do It Yourself You can follow online tutorials and do-it-yourself videos to do small repairs and chores yourself instead of hiring help and reducing your monthly expenditure. - ### Sell anything that you no longer need You can sell your old clothes, gadgets, shoes, watches and other items, that you no longer use. This can help you in two ways – you can earn money from the sale and you get to save money on the maintenance of some of these items. - ### Make saving a habit Try to make saving a part of your life. Once it becomes a habit, you will no longer need to go out of your way to save money. You will automatically think about your financial future and the well-being of your family. [![how-to-save-money](https://www.iciciprulife.com/content/dam/icicipru/all/how-to-save-money.jpg)](https://www.iciciprulife.com/content/dam/icicipru/all/how-to-save-money.jpg) ## 11 Things to know about how to save money Below are the top tips to save money not just for your short-term goals but also the long-term ones: - ### Tip \#1 - Keep track of your expenses You can track your expenses on a mobile app or document your expenses in a notepad. This can help you identify things you can eliminate to boost your savings. - ### Tip \#2 - Make savings a priority in your budget It is important to add savings as a part of your monthly budget. It is also crucial to fix a savings rate and stick to it each month, irrespective of expenditure. - ### Tip \#3 - Establish your financial priorities Instead of mindlessly saving or spending, fix specific short-term, mid-term and long-term financial goals. This can offer you a roadmap and help you achieve your goals in a structured manner. - ### Tip \#4 - Allocate a budget The most important thing when saving money is to exercise strong will power to not touch the money earmarked for savings. It’s possible that you may give up your resolve to save and utilise the funds for some unwarranted expenditure. Be wary of this. Stick to the budget and do not exceed it. Instead, make all efforts to try and save even from a tight budget. - ### Tip \#5 - Evaluate your spending habits Constantly evaluate your shopping and spending habits to take advantage of any extra savings possible. You can consider looking at your bank account statements or credit card history for the last few months to get an idea of what, where and how you spend. Based on your findings you can try to avoid some expenses. Make a conscious decision to set aside the amount saved. This will help to enlarge your savings kitty. - ### Tip \#6 - Involve your family Another good strategy is to involve your family members in your savings habit. You can also create a competition among your family members to see who would save the most every month. - ### Tip \#7 - Find ways to reduce spending Try to spot the things you can do to lower your expenses, such as unwanted subscriptions, not tracking your weekly and monthly expenses and more. Being conscious of your spending habits can help you curb the need to spend. - ### Tip \#8 - Set savings goals Setting goals while saving money can help you save in a systematic manner. Goals can be either short-term or long-term: Short-term goals are events that you expect to happen in the near future. For example, buying a vehicle or going on a vacation. On the other hand, long-term goals are events that have a longer time horizon. Buying a house or planning for your retirement are usually considered as long-term goals Knowing your goals beforehand will help you identify the right plan to invest in. For example, if you are saving for a long-term goal like your child’s wedding, you can consider investing in a plan like ICICI Pru Guaranteed Income for Tomorrow. This plan provides guaranteed\* returns that can help you achieve your long-term goals. It also provides a life cover\` that can protect your loved ones financially in case of an unfortunate event. - ### Tip \#9 - Open a savings account The best way to bring discipline in your savings habit is to open a separate account for your savings, apart from your regular salary or business account. Transfer the amount set aside for savings to this separate account. You can then invest in different savings instruments directly from this account. - ### Tip \#10 - Invest in savings plans [Life insurance savings plans](https://www.iciciprulife.com/protection-saving-plans.html) can help you save to take care of your needs and the needs of your family. They help in developing a regular saving habit and can give good returns. This keeps you financially prepared for any emergency. - ### Tip \#11 - Automate your savings and investments Instead of automating your payments, consider automating towards the choice of your savings and [investment plans](https://www.iciciprulife.com/investments/investment-plans.html) to ensure you prioritise your future financial security without fail. COMP/DOC/Jun/2023/306/3389 #### [FAQs](https://www.iciciprulife.com/investments/how-to-save-money.html#f1) ### 1\. What is the 30-day rule to save money? The 30-day rule is a personal finance strategy that helps you control your impulse spending habits. According to the rule, you must wait for at least 30 days before you make a purchase. The principle behind this rule is that you need to give yourself time to evaluate whether you genuinely require the item you wish to buy or not. When you delay the purchase by 30 days, you can avoid unnecessary spending and gain better control over your finances. The rule states that if, after 30 days, you still feel that the item is necessary and aligns with your budget and needs, you can go ahead and buy it. This approach helps you make more mindful spending decisions and makes you financially disciplined. ### 2\. What are the best ways to build an emergency fund? Below are some effective strategies to build an emergency fund: - Start small and be consistent: You can begin by setting aside a portion of your income into a dedicated savings account each month. Make sure to be consistent and follow through each month to ensure your emergency fund gradually grows with time - Aim to save enough to cover six to eight months of expenses: The general recommendation is to save enough to cover six to eight months of your living expenses. This amount typically provides a sufficient buffer for most financial emergencies - Set up automatic transfers: You can automate your savings by setting up regular transfers to your emergency fund. This ensures that you consistently contribute without having to think about it ### 3\. What are effective strategies for saving money quickly? Here are some effective money saving tips to save money quickly: - Create and stick to a budget: It is important to establish a detailed budget to track your salary and expenses - Set a high savings target: Determine a savings goal, preferably a higher percentage, and set up automatic transfers to your savings account. While setting a high percentage can be hard, it can help you if you need money quickly - Cut back on discretionary spending: Reduce spending on non-essential items and pivot these into your savings. You can also apply the 30-day rule to avoid impulse purchases ### 4\. How can I save money with a low income? Saving money on a low income is difficult, but it is still achievable as long as you follow the right approach. You can start by setting a fixed percentage of your income to save each month. For instance, 10% to 15% can be an achievable benchmark. No matter how much you earn, make sure that you consistently stick to this percentage. This can help you build savings over time. ### 5\. How can you save more money and become more financially independent? It is essential to adopt a proactive approach to save more money and achieve greater financial independence. You can start by making a habit of saving a percentage of your monthly income. Remember to set clear financial targets for different financial goals. This can help you be more focused and avoid impulse purchases while also staying away from debt. It is important to manage your spending carefully and focus on saving rather than overspending to gradually build your savings and be financially independent. ### 6\. How can I save money if I’m living paycheque to paycheque? Living paycheque to paycheque can make it difficult to save money, but there are some money saving tips that can help. You can start by analysing your spending habits and see if you can make any cuts. For example, you can consider cancelling non-essential subscriptions from online streaming services or opt to walk more often instead of taking cabs to save on transportation costs. Additionally, review your income sources and find ways to increase your earnings. You can take on part-time work, pursue higher-paying job opportunities or consider freelance work. Any extra money that you earn can be directed towards building your savings pool. ### 7\. Should I pay off the debt or save money first? Deciding whether to pay off debt or save money first can be a challenging spot to be in, but it is important to consider both aspects of your financial health. Paying off debt, especially high-interest debt, is crucial because the interest can quickly accumulate and increase the total amount you owe. In such a case, prioritising your debt repayment can help you reduce your liabilities. However, having some savings is also important to tackle unexpected expenses without taking on more debt. Moreover, if you are saving for an urgent goal, it may be beneficial to divide your money between paying off debt and saving. For example, you could allocate a portion of your income to debt repayment while setting aside a smaller amount for savings. This balanced approach can help you address both financial needs at the same time. COMP/DOC/Oct/2024/2110/7431 ## People like you also read ... 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Guaranteed benefits in the form of regular income will be payable under Income Plan option and Early Income Plan option provided all due premiums have been pai \` Life cover is the benefit payable on death of the Life Assured during the policy term. 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[back]() - Create wealth with market-linked returns - Life cover1 + premium waiver2 + income3 benefit to financially protect your loved ones - Tax\-free returns - Loyalty additions4 of 2.5% of fund value - Access to make withdrawals13 from fund [Buy Online](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/buy-icici-pru-ulip-signature-assure.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Assure_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-ulip-signature-assure.html) T\&C Apply IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - Investment and returns in US dollars, enabling wealth creation without INR depreciation risk - Portfolio diversification through investment in global and Indian markets - Life cover3 that protects your family’s future - Systematic withdrawal plan9 to withdraw money regularly from your policy - Flexibility of partial withdrawals - Waiver of premium option1 [Buy Now](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/buy-icici-pru-global-wealth-multiplier-for-nri.html?UID=3) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/prospectus/ICICI-Pru-Global-Wealth-Multiplier-Prospectus.pdf) - [Know More](https://www.iciciprulife.com/global-insurance-plans/icici-pru-global-wealth-multiplier.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - Potential to grow wealth through market linked returns - Level of life cover2 as per your choice - Systematic withdrawal plan3 to withdraw money regularly from your policy - Tax benefits\* as per prevailing tax laws - Choice of 4 portfolio strategies and wide range of funds4 [Buy Online](https://www.iciciprulife.com/ulip-plans/icici-pru-platinum-online.html?UID=41143) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-platinum.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Platinum_Brochure.pdf) [back]() - Build your retirement corpus through market-linked returns and live a stress-free life after retirement - Tax-free commutation of up to 60% of the vesting benefit1 - Flexibility of Partial Withdrawals2 - Choice of 3 portfolio strategies and a wide range of funds3 - Low-cost charge structure with return of charges at vesting4 [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/buy-icici-pru-signature-pension-plan.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Pension_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-signature-pension-plan.html?UID=1725) [back]() - Invest only once and enjoy benefits for entire policy term - 100% amount invested in wide range of funds - Choice of multiple funds - Life cover to protect your loved ones - Tax benefits [Know More](https://www.iciciprulife.com/ulip-plans/icici-single-premium-policy-pru-one-wealth.html?UID=1725) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru1_Wealth_Brochure.pdf) [back]() Premium starts at \`2500/- p.m. - Invest in your choice of equity, debt or balanced funds - Choice of 4 portfolio strategies - Life cover to protect your loved ones - Get rewarded with Loyalty Additions & Wealth Boosters - Tax benefits [BUY ONLINE](https://www.iciciprulife.com/ulip-plans/buy-icici-ulip-returns-calculator-lifetime-classic-online.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - 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[Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-smart-goal-assure.html) [back]() - Financial protection for your loved ones with life cover - Tax\-free returns - Return of mortality and policy administration charges1 - Withdraw money regularly from your policy with SWP3 [BUY ONLINE](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-signature-ulip-calculator.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Online_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-ulip-signature.html?UID=1725) For offline Signature refer to [Offline Signature Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Offline_Brochure.pdf) [back]() - Financial protection for your loved ones with life insurance cover3 - Return of Total Premium Allocation Charges at a compounding rate of 7% per annum1 - High Premium Benefit to boost your fund value2 - Enjoy policy benefits till 99 years of age with Whole Life policy term option - Systematic withdrawal plan4 to withdraw money regularly from your policy [Know More](https://www.iciciprulife.com/ulip-plans/unit-linked-insurance-plans/icici-pru-wealth-elite-pro.html) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Wealth-Elite-Pro.pdf) [back]() - Create a corpus for your child's future with market linked returns - Life cover1 + in built premium waiver18 to financially protect your child in your absence - Income3 benefit to cover necessary expenses in case of parent’s sudden demise - Tax\ benefits under the Income Tax Act, 2025 [buy online](https://www.iciciprulife.com/child-insurance/buy-icici-pru-ulip-smartkid-assure.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Assure_Brochure.pdf) \* T\&C Apply IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - A 360° plan to protect your child’s future with guarantee2 - Flexibility to get payouts as per child’s milestones^ - Life Cover1 + waiver of premium18 + regular income3 guaranteed2 in your absence - 100% tax-free\* returns and tax\* benefits on premiums paid under the Income Tax Act, 2025 [BUY ONLINE](https://www.iciciprulife.com/child-insurance/buy-icici-pru-smartkid-360.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Smart-Kid-360-Brochure.pdf) - [Know More](https://www.iciciprulife.com/child-insurance/icici-pru-smart-kid-360.html) \T\&C Apply W/II/1778/2025-26 [back]() - Market-linked returns12 + 100% security9 of investment - Life Cover4 to financially protect your loved ones in your absence - Wealth boosters1 addition to boost your returns - Tax2\-free returns [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-signature-capital-guarantee-two.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Prudential_Signature_Capital_Guarantee_II_Brochure.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/capital-guarantee-plan.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - 100% Capital guarantee1 + market-linked returns2 - Diverse fund options across equity, balanced and debt - Protect your loved ones financially with a life cover4 - Tax benefits3 as per prevailing tax laws - Boost your returns with maturity boosters6 [Buy Online](https://www.iciciprulife.com/protection-saving-plans/capital-guarantee-solution-calculator.html?UID=39761) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Save_N_Grow_Brochure.pdf) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - Guaranteed Income2 to help you achieve your financial goals - Flexibility to choose Percentage of MoneyBack Benefit4 and when you want to receive MoneyBack Benefit4 - Life Insurance Cover1 for financial security of your family [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-gift-pro.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GIFT_Pro_Brochure_V23_Webview.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gift-pro.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GIFT_Pro_Brochure.pdf) 2Conditions apply [back]() - Guaranteed benefits1 in the form of lump sum - Life insurance cover2 for financial security of your family - Tax benefits3 may be applicable on premiums paid and benefits received as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/icici-pru-guaranteed-income-for-tomorrow-calculator.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Income_For_Tomorrow.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-guaranteed-income-for-tomorrow.html?UID=1160) [back]() - Regular income1 up to 99 years of age followed by a lump sum2 on maturity - Option to start receiving income immediately from the end of 1st policy year or defer3 it for a few years as per your need - Choice to start receiving income instantly within 7 working days of realisation of first year's premium by the company post issuance of the policy - Protection through life cover4 till up to 99 years of age - Tax benefits5 may be applicable on premiums paid and benefits received as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-gold.html?UID=37635) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GOLD_Brochure_Webview.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gold.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Gold-Brochure.pdf) [back]() - Savings with the comfort of guarantee\# - Flexibility in premium payment term - Security of your loved ones with potential for wealth creation and your Life Cover1 [BUY ONLINE](https://www.iciciprulife.com/money-back-endowment-plans/future-perfect-savings-plan-calculator.html?UID=1160) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI%20Future%20Perfect%20-%20Brochure.pdf) - [Know More](https://www.iciciprulife.com/money-back-endowment-plans/future-perfect-endowment-plan.html?UID=1725) [back]() - Build your retirement corpus through market-linked returns and live a stress-free life after retirement - Tax-free commutation of up to 60% of the vesting benefit1 - Flexibility of Partial Withdrawals2 - Choice of 3 portfolio strategies and a wide range of funds3 - Low-cost charge structure with return of charges at vesting4 [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/buy-icici-pru-signature-pension-plan.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Signature_Pension_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-signature-pension-plan.html?UID=1725) [back]() - A regular-pay deferred annuity plan that helps you gradually build the retirement savings and provide guaranteed income for life - Flexible premium paying terms and deferment periods - Choice of increasing annuity options that will give you inflation hedged retirement income in your golden years - Flexibility to withdraw up to 60% of total premiums paid as lumpsum - Financial security for your family even in your absence, with the Waiver of Premium feature3 - Annuity plan can cover either single or joint life2 - Tax benefits as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-flexi-calculator.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GPP_Flexi_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-flexi.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GPP_Flexi_Prospectus.pdf) [back]() - Pay just once and get a guaranteed lifelong income - Continue pension for spouse after you with the Joint Life1 option - Purchase Price is returned back to your nominee2 - Option to avail a loan against your policy3 [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/buy-icici-pru-saral-pension-plan.html?UID=1160) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Saral_Pension_Brochure.pdf) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-saral-pension-plan.html?UID=1725) [back]() - Build your retirement savings with guaranteed benefits1 & bonuses2 - Tax-free commutation of upto 60% of the vesting benefit3 - Flexibility of cash withdrawals4 - Free health check-up5 [Buy Online](https://buy.iciciprulife.com/buy/EBI.htm#/PreEBI/D05) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/icici-pru-gold-pension-savings.html?UID=1725) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Gold_Pension_Savings_Brochure.pdf) 1 T\&C Apply [back]() - Single premium plan to get guaranteed income for the rest of your life - Option to defer income by up to 10 years - Annuity plan can cover either single or joint life - Flexible payout options to suit your need - Tax benefits^ on premiums paid and on maturity [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPDA) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Pension_Plan.pdf) [back]() - Single premium plan to get guaranteed income for the rest of your life - Option to get annuity income as early as next month - Annuity plan can cover either single or joint life - Flexible payout options to suit your need - Tax benefits^ on premiums paid and on maturity [Buy Online](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan-calculator.html?UID=1160&persona=GPPIA) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Know More](https://www.iciciprulife.com/retirement-pension-plans/guaranteed-pension-plan.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Pension_Plan.pdf) [back]() - Get comprehensive life cover1 along with potential to grow your wealth with Market Linked Returns - 1X return of mortality2 charges from 11th year onwards - 1X return of premium allocation charges2 charges from 11th year onwards - LoyaltyL additions: Extra units from policy year (67 less Entry Age) and onwards - Coverc continuance booster: Protection from adverse market scenarios - 20% Maturity booster3 [CHECK PREMIUM](https://www.iciciprulife.com/ulip-plans/buy-icici-protect-and-gain-whole-life.html?UID=56633) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Protect_N_Gain_Whole_Life_Brochure.pdf) - [Know More](https://www.iciciprulife.com/ulip-plans/icici-pru-protect-and-gain-whole-life.html) [back]() - Increasing life cover1 to secure a legacy@ for your family - 100% payout on Terminal illness3 - Complimentary health checkup\# - Return of 100% of Total Premium Paid upon maturity^^ [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-wealth-forever.html?UID=1725) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wealth_Forever_Brochure.pdf) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wealth_Forever_Prospectus.pdf) [back]() - A regular income 1 up to 99 years of age - A lumpsum 2 on maturity as your legacy for your loved ones - Protection of life cover4 throughout the policy term - Tax5 benefits may be applicable on premiums paid and benefits received as per prevailing tax laws [Buy Online](https://www.iciciprulife.com/protection-saving-plans/buy-icici-pru-gold.html?UID=37635) [Meet Advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_GOLD_Brochure_Webview.pdf) - [Know More](https://www.iciciprulife.com/protection-saving-plans/icici-pru-gold.html?UID=1725) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI-Pru-Gold-Brochure.pdf) [back]() - Comprehensive coverage1 against women specific critical illnesses2 and surgeries2 - Cover1 for surgeries2 resulting from specific illnesses2 - Fixed lump sum1 pay-out on diagnosis of any of the covered critical illnesses2 - Premium remains guaranteed3 throughout the coverage term - Coverage1 for pregnancy complications and newborn complications through Maternity Care Benefit under Health Care Plus plan option - Premium Sabbatical4 Benefit which allows you to get one full year’s premium holiday, while enjoying full policy benefits [Check Premium](https://www.iciciprulife.com/health-insurance/buy-icici-pru-wish.html?UID=43629) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wish_Brochure.pdf) - [Know More](https://www.iciciprulife.com/health-insurance/icici-pru-wish.html) - [![](https://www.iciciprulife.com/content/dam/icicipru/all/prospectus-brochure-icon.svg) Prospectus](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Wish_Prospectus.pdf) [back]() - Up to ₹1.5 crore 60 Critical Illnesses2 cover (optional) - Adequate Life cover2a to protect your family - Covers diseases2 like Cancer, Heart Attack, organ failure, etc. (optional) - Lumpsum Optional Critical Illness2 claims payout based on diagnostic report - In-built Terminal Illness Benefit6 and 12-month premium break4 option - Tax benefit\ on premiums paid and tax-free\\ claims payout and returns [Check Premium](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-term-insurance-calculator.html?UID=43583) [meet advisor](https://www.iciciprulife.com/contact-us/send-me-an-advisor.html) - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI%20Pru%20iProtect%20Smart.pdf) - [Know More](https://www.iciciprulife.com/term-insurance-plans/iprotect-smart-plus-term-plan.html?UID=43583) \Conditions apply [back]() - Competitive premium rates - Flexible premium payment modes - Customized coverage as per organization’s structure - Seamless addition/removal of new employees - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Term_Plus_Brochure.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-term-plus.html) [back]() - Choose from a range of 10 Debt and Equity oriented funds - Market-linked returns - Policy value- based loyalty additions added every year - Tax\ benefits as per prevailing laws - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Unit_Linked_Employee_Benefit_Plan.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-employee-benefit-plan.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - Interest accruals at the end of each financial year - Flexibility to deposit contributions - Withdrawals from the policy under defined scheme rules - Customised schemes for employee benefits - Tax\* benefits as per prevailing tax laws - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Suraksha_Plus.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-suraksha-plus.html) [back]() - Choose from 8 fund options - Free switching between funds at no extra cost\* - Loyalty additions allocated at the end of every financial year based on policy value - Tax\* benefits as per prevailing laws - Annuity purchase options including joint life and return of purchase price - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Unit_Linked_Superannuation_Plus.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-superannuation-plus.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. [back]() - Choice of 5 fund options - Minimum 100% capital guarantee on contributions - Tax\* benefits as per prevailing laws - Policy value-based loyalty additions - [Brochure](https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI_Pru_Group_Unit_Linked_Superannuation.pdf) - [Know More](https://www.iciciprulife.com/group-insurance-plans/group-unit-linked-superannuation.html) IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. 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Readable Markdown	### 1\. What is the 30-day rule to save money? The 30-day rule is a personal finance strategy that helps you control your impulse spending habits. According to the rule, you must wait for at least 30 days before you make a purchase. The principle behind this rule is that you need to give yourself time to evaluate whether you genuinely require the item you wish to buy or not. When you delay the purchase by 30 days, you can avoid unnecessary spending and gain better control over your finances. The rule states that if, after 30 days, you still feel that the item is necessary and aligns with your budget and needs, you can go ahead and buy it. This approach helps you make more mindful spending decisions and makes you financially disciplined. ### 2\. What are the best ways to build an emergency fund? Below are some effective strategies to build an emergency fund: - Start small and be consistent: You can begin by setting aside a portion of your income into a dedicated savings account each month. Make sure to be consistent and follow through each month to ensure your emergency fund gradually grows with time - Aim to save enough to cover six to eight months of expenses: The general recommendation is to save enough to cover six to eight months of your living expenses. This amount typically provides a sufficient buffer for most financial emergencies - Set up automatic transfers: You can automate your savings by setting up regular transfers to your emergency fund. This ensures that you consistently contribute without having to think about it ### 3\. What are effective strategies for saving money quickly? Here are some effective money saving tips to save money quickly: - Create and stick to a budget: It is important to establish a detailed budget to track your salary and expenses - Set a high savings target: Determine a savings goal, preferably a higher percentage, and set up automatic transfers to your savings account. While setting a high percentage can be hard, it can help you if you need money quickly - Cut back on discretionary spending: Reduce spending on non-essential items and pivot these into your savings. You can also apply the 30-day rule to avoid impulse purchases ### 4\. How can I save money with a low income? Saving money on a low income is difficult, but it is still achievable as long as you follow the right approach. You can start by setting a fixed percentage of your income to save each month. For instance, 10% to 15% can be an achievable benchmark. No matter how much you earn, make sure that you consistently stick to this percentage. This can help you build savings over time. ### 5\. How can you save more money and become more financially independent? It is essential to adopt a proactive approach to save more money and achieve greater financial independence. You can start by making a habit of saving a percentage of your monthly income. Remember to set clear financial targets for different financial goals. This can help you be more focused and avoid impulse purchases while also staying away from debt. It is important to manage your spending carefully and focus on saving rather than overspending to gradually build your savings and be financially independent. ### 6\. How can I save money if I’m living paycheque to paycheque? Living paycheque to paycheque can make it difficult to save money, but there are some money saving tips that can help. You can start by analysing your spending habits and see if you can make any cuts. For example, you can consider cancelling non-essential subscriptions from online streaming services or opt to walk more often instead of taking cabs to save on transportation costs. Additionally, review your income sources and find ways to increase your earnings. You can take on part-time work, pursue higher-paying job opportunities or consider freelance work. Any extra money that you earn can be directed towards building your savings pool. ### 7\. Should I pay off the debt or save money first? Deciding whether to pay off debt or save money first can be a challenging spot to be in, but it is important to consider both aspects of your financial health. Paying off debt, especially high-interest debt, is crucial because the interest can quickly accumulate and increase the total amount you owe. In such a case, prioritising your debt repayment can help you reduce your liabilities. However, having some savings is also important to tackle unexpected expenses without taking on more debt. Moreover, if you are saving for an urgent goal, it may be beneficial to divide your money between paying off debt and saving. For example, you could allocate a portion of your income to debt repayment while setting aside a smaller amount for savings. This balanced approach can help you address both financial needs at the same time. COMP/DOC/Oct/2024/2110/7431
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