HDFC Life 

Smart Achievers Program

Get a job with a leading corporate


Smart Achievers Program is Post Graduate Diploma in Insurance by Manipal Global Education Services in association with HDFC Life.

This program is aimed to hand-pick passionate graduates(from any stream) and train them on fundamentals of Life Insurance, products, basics of financial services and sales management process with an objective of making them job-ready for a Front Lines Sales role at HDFC Life.

The course curriculum and the material have been designed by industry experts from HDFC Life and Manipal. The core purpose of this training is to enable the participants to hit the ground running and help them succeed when they take charge of the role.

Successful completion of all the phases of the training promise a rewarding job and career with prestigious brand like HDFC Life coupled with a Post Graduate Diploma in Insurance (AICTE approved).

So, Smart Achievers offers dual benefits to all the incumbents i.e., a JOB and a PG Diploma!


This is a 12 month Post Graduate Diploma Program in Insurance (PGDI), 

which involves four months of residential classroom training in the state-of-the art Manipal campus at Bengaluru, two months of on-the-job training and a six months paid internship with HDFC Life.

Guaranteed Job With HDFC Life

PG Diploma Program In Insurance

On successful completion, guaranteed job at HDFC Life at a level above entry level role with CTC of 3 lakhs per annum* + performance based incentives**

Earn AICTE approved PG Diploma Program in Insurance (PGDI) which will help you kickstart your career

Guaranteed Job

Earn while you learn

On the job training for 2 months and 6 months paid internship at a HDFC Life Branch

Earn within the program tenure with Rs 2500 per month* stipend during Classroom Training and Rs 16000 per month* during the Internship

Loan Available

Student Support

Education loan assistance through a service provider

Dedicated mentorship provided during training

*All payments will be subject to prevailing tax laws and statutory deductions.

** subject to performance & available schemes


Fees INR 1,54,407 + applicable Tax (18% GST)

Total fees is INR 1,82,200.

(This fees includes the accommodation and food expenses during the 4 months residential classroom training program)


  • Graduation in any stream of education from a recognized university
  • Candidate should be staying in the same city for last 2 year or more
  • The candidates will be selected by HDFC Life based on their performance in a personal interview and online assessment. We advise caution against any offer or person asking for money in exchange for a job/interview with HDFC Life.


Incumbents will receive a monthly stipend of INR 16,000/- during the six months internship phase with HDFC Life along with performance based incentives. Also, a monthly allowance of INR 2,500/- will be given to the incumbents during the 4 months of their residential classroom training at Manipal, Bengaluru campus.


On successful completion of 12 months of the Smart Achievers Program, the incumbent will be absorbed by HDFC Life at J2 band (one level above than the entry level front line sales employees) with the compensation of INR 3.0 lakhs + incentives.

All appointments will be subject to completing the necessary formalities as defined by the management at the time of enrolment into the course.

Register for the Recruitment Drive

Register now to apply for Associate Relationship Manager in HDFC Life

Salary (CTC) Rs 3 Lakhs per Annum + Incentives




It is a dual benefit program that offers PG Diploma along with a job guarantee. Here is what it has to offer:
1. Guaranteed job & Earning Potential:

  • Guaranteed job at HDFC Life with a cost to the company of Rs 3,00,000* (Three lakhs only) per annum plus incentives on successful course completion.
  • Performance based sales incentives over and above the salary.
  • After successful completion of this course, candidate will be hired by HDFC Life as Front line Sales professional, at J2 band which is a level above the entry level for similar job roles.
2. Post Graduate Diploma in Insurance:
It is an AICTE approved Diploma course offered by Manipal Education Services in association with HDFC Life.
3.Contours of the training
  • Phase 1- Four months of Classroom training with a monthly allowance of Rs 2,500.
  • Phase 2 -Two months of On-the-job training with no monthly allowance.
  • Phase 3 - Six month internship with a stipend of Rs 16,000/-* per month
*All payments will be subject to prevailing tax laws and other statutory deductions

HDFC Life promises the job of a Front Line Sales executive, to all who successfully complete all the phases of the training. The job involves one to sell life insurance through channel partners of HDFC Life (like bank/NBFC/Brokers etc) OR through individual agents OR directly to customers.
Life insurance sales, being a very rewarding sales career offers opportunities to earn incentives which can be an additional cherry on the cake for all those who are passionate in sales.
The placement of the candidate may be any of the distribution channels where HDFC Life may have a requirement.

Total duration of the course is 12 months. The contours of the training are as mentioned below:

  • Phase 1- Four months of classroom training with a monthly allowance of Rs 2,500/-.
  • Phase 2 -Two months On-the-job training (OJT) with no monthly allowance.
  • Phase 3 – Six month internship with a stipend of Rs 16,000/-* per month
*All payments will be subject to prevailing tax laws and other statutory deductions

The program offers a guaranteed job with HDFC Life with CTC is Rs 3,00,000* (Three lakhs only) per annum plus incentives. Preconditions of the job are primarily successful completion of all the phases of the training. In addition to this, specific conduct and education related conditions have been mentioned in the Provisional Offer Letter.

These conditions require you to be a Graduate before enrolling for the Program.

A successful completion of the training would mean timely completion of all assignments, quizzes, assessments during the training phase and having minimum attendance and meeting the assigned targets during the OJT and internship phase.

*All payments will be subject to prevailing tax laws and other statutory deductions.

HDFC Life will issue you a provisional offer letter that will stand confirmed after you complete all phases of the training successfully. The offer letter will very clearly mention the terms and conditions of employment, including applicable statutory and tax deductions.
Please note:

  • HDFC Life does not appoint any Agent/Agency/Individuals to make/issue offers of employment/benefits on its behalf.
  • HDFC Life does not send any email communication relating to employment from free web based email accounts such as Gmail, Mail, Hotmail etc
  • Any job offer from HDFC Life will be sent through an email with or domain only.


It is a three step selection process:

Step 1: Your profile will be shortlisted by HDFC Life basis your qualification, interest and flair for Sales and English language comprehension.
Step 2: An Online Cognitive Ability and Online Communication Assessment will be administered by HDFC Life. This test will be virtually proctored through video-taping. Successful clearance of step 2 will take you to step 3.
Step 3: Interview will be conducted by HDFC Life to validate verbal communication and other critical skills required by the job on offer.
Step 3 will conclude in final Selection/Rejection decision for the course.

You will be required to submit the following documents before the course enrolment:

  • Resume
  • PAN card & AADHAR (Mandatory)
  • College Marks sheet and Degree.
  • Passport size photographs
  • Relieving letter from your last employer will be required if you have been or are a working professional

No. You need to be a graduate before joining the program.


OJT will be conducted in HDFC Life branches which will be allotted to you after you complete the online training. No allowance will be paid during this period.

No, HDFC Life will assign the OJT location to you. We will try and accommodate you in your base location or closest HDFC Life office or partner office to your base location.

Internship will be done at HDFC Life branches and will be for six months. You will be paid a stipend of Rs.16000* per month. You will also be eligible for incentives for achieving business targets as per the prevailing incentive scheme (if applicable).
*All payments will be subject to prevailing tax laws and other statutory deductions

No, the responsibility of incurring all the expenses will lie with you. HDFC Life will not reimburse any of your expenses incurred during this period.


HDFC Life is one of the Top private Life Insurers in terms of premium and market value in India.
The company is a performance driven, open, simple culture that puts people at the core of their strategy. These practices have ensured that we are ranked among best employers in India ( our ranks in various recognized employers surveys are testimony to this)
While your initial job role will be a FLS at J2 band (one level above than the entry level front line sales employees) you will have the opportunity to grow to higher levels after 12 months of joining. There are many examples of people at HDFC Life who started their careers as Trainees and have risen through the ranks to take on managerial and leadership roles within the sales hierarchy. Additionally, you will also have an option to avail roles in other departments through their internal job postings platform, as per the company policy.

Manipal Global Education offers state-of-the-art infrastructure and best-in-class student boarding. It also provides facilities like innovation center, labs etc. to enhance the learning experience of the students. Manipal has over 200 ex bankers and soft skills specialist as faculty with over 20 years of average industry experience. They are in partnership with over 45 BFSI sector organisations and have trained over 65,000 professionals.


You will be required to pay Rs. 1,82,200/-(Rupees One Lakh Eighty Two Thousand Two Hundred Only) for the entire course. The course fee is inclusive of the Rs.10,000 non refundable registration fee to block your seat.

Note: The total amount you will earn during the OJT and Internship phase, if you continue successfully, will more than compensate for the total fee you would have paid for the course. The entire earnings post deductions will be approx. Rs. 99,760. Additionally, you will be provided with a Samsung Galaxy Tablet A as a part of the program.

Note: There are EMI options available for the program.

You can avail the loan in the name of your parents, or relatives who is willing to take the loan on your behalf. They should have disposable income and will have to submit the following documents - your photo ID such as Aadhar, Driving License, Voter ID etc. Date of birth proof ; Address proof ; your 10th, 12th and graduation completion certificates; your parents’ income proof such as recent payslips, bank statements, property registration documents.
This fee is being charged solely by Manipal for providing training and is non refundable. All terms and conditions for payment of fee are governed as per the Manipal’s fee payment and refund policy.
Please note: HDFC Life does not collect any fee (even on behalf of Manipal) and shall not be liable for any refund of the course fee.

This fee is being charged by Manipal for providing training and is non refundable under all circumstances.

No. You need to be a graduate before joining the program.