Please read these terms, including the insurance solicitation disclosure below, before using this website.
Last updated: June 2026
This website is operated by Pravinjana Consultants. Ranjana Kumbhat, who operates under this brand, is an individual insurance agent of HDFC Life Insurance Company Limited. By accessing or using this site, you agree to be bound by these terms. If you do not agree with any part of them, please do not use this website.
This site introduces Pravinjana Consultants, describes the Term, ULIP, Endowment, Retirement, Pension, Annuity, Child Education and Group/Employee insurance plans the team can help you with, and makes it easy to get in touch for a free consultation. The financial tools, FAQs, and other content on this site are general in nature and intended for educational purposes.
Nothing on this website constitutes a policy recommendation, financial advice, or an offer to sell any specific insurance or investment product. The estimates produced by the calculators on our Financial Tools page are indicative only, based on the assumptions and figures you enter, and do not account for charges, underwriting outcomes, taxation, or product-specific terms. Please do not act, or refrain from acting, on the basis of anything you read or calculate here without first discussing your specific needs with our team and reviewing the relevant product brochure and benefit illustration.
Submitting the enquiry form on this website, or contacting Pravinjana Consultants directly, is the start of a conversation — not, by itself, an application for insurance or a binding agreement of any kind. Any proposal, policy, or investment is subject to HDFC Life Insurance Company Limited's underwriting, terms and conditions, and applicable regulatory approvals.
The text, graphics, and layout of this website belong to Pravinjana Consultants (or are used with permission) and are protected under applicable intellectual property law. You're welcome to read, share a link to, or quote from this site with attribution; please don't reproduce substantial portions of it elsewhere, or use HDFC Life's name or marks, without permission.
From time to time this site may link to HDFC Life, the IRDAI, or other third-party resources for your convenience. We don't control those sites and aren't responsible for their content, accuracy, or privacy practices.
We try to keep the information on this site accurate and current, but we make no warranty — express or implied — that it is complete, error-free, or suitable for any particular purpose. To the fullest extent permitted by law, Pravinjana Consultants will not be liable for any loss or damage arising from your use of, or reliance on, this website or its calculators.
These terms are governed by the laws of India and the applicable regulations of the Insurance Regulatory and Development Authority of India (IRDAI). Any disputes relating to this website will be subject to the jurisdiction of the competent courts in India.
We may revise these terms from time to time to reflect changes in our practice, this website, or applicable law and regulation. The "last updated" date at the top of this page will always reflect the most recent revision — please check back occasionally if you rely on this page.
Questions about these terms are welcome at info@pravinjana.com.