HDFC SL Crest is the all time worse policy. Unknowingly I opted for this premium in June 2011 and paid 5 installments(50K X 5) and now the total fund matured and credited to my account is value is 349K. If I could have deposited this amount in any bank, I could have got more returns by this time.
The fund could not even give you a 100K profit with a lock period of 10 years.
My advise to existing policy holders is to cancel your policy once you have paid your final EMI.
In the case of my policy from 5th year until 10th year, the policy made just around 70 K.
If I would have invested the 250K some where else, I would have made more profits.
I sincerely urging to the new policy seekers i.e. do not invest money in any of the HDFC policies, if your money is important to you.
All HDFC policies are bogus policies.