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Equity Plus Fund
Equity Plus Funds are launched by unit-linked insurance plans (ULIPs), mutual funds and other investment categories.
1 Crore Term Insurance @Rs.19/day***
To delay is to regret
You may not always be around to take care of your family. And that’s when a term plan ensures your family is well protected.
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Return of Premium (ROP) Option^
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17% Online Discount**
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Same Day Claim Processing#
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100% Claims guaranteed15
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0% GST on Premiums#^#
Please wait while we are calculating term insurance premium for 1 crore
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What is an Equity Plus Fund?
Table of Content
The equity plus fund aims at generating returns in accordance with a predetermined objective like outperforming a benchmark index or beating inflation or outperforming the yield on a 10-Year government bond.
'Equity Plus Funds' is the name given by ULIPs / mutual funds to their offerings that meet either of these objectives:
- generating long-term capital appreciation in line or better than a benchmark index like the Nifty
- beating inflation with controlled allocations to equity investments
- generating a return higher than the 10-Year government bond by taking on limited risk through equities
How Does an Equity Plus Fund Work?
Typically, equity plus funds invest in:
- equities - if they are geared to outperform a particular index
- corporate bonds and government securities with limited equity investments if they are pre-disposed to beat a benchmark like inflation or the 10-year government bond
Equity plus funds look at investing in accordance with the mandate given to the fund manager. Risk is usually controlled to that end with the fund manager looking clearly at meeting the pre-defined objective. Taking on unnecessary risk is not an option for the fund manager. The investment guidelines vary across ULIPs / mutual funds and investors are informed of this through product literature / company websites.
Who Is It Suitable For?
For an investor with appetite for risk and long-term goals like saving for child's education, retirement planning or child's marriage, equity plus funds can prove useful either on a standalone basis or in combination with other investment options.
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Products Offered by HDFC Life:
- HDFC Life Click2Invest ULIP - ULIP Plans In India
- HDFC Life Click2Retire - Online Unit Linked Pension Plan
Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
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@As per integrated annual report FY24-25, available on www.hdfclife.com. As of May 2025
#Provided we have received all the relevant and required documents and no further investigation is required. Claim settlement process would be completed within stipulated timelines once the claim request is approved
^ Available under Life & Life Plus plan options
***Online Premium for Life Option for HDFC Life Click 2 Protect Supreme(UIN:101N183V01), Male Life Assured, Non-Smoker, salaried, 20 years of age, Policy term of 25 years, Regular pay, Monthly frequency, inclusive of 15% online discount (applicable only for 1st year premium) & exclusive of taxes and levies as applicable. (Monthly Premium of 573/30=19).
**If a customer is a Salaried individual and has opted for a cover of INR 2 Cr with Limited pay, then the total discounts applicable shall be: 10% +7% = 17% discount on the first year premiums.
~Tax benefits of ₹ 54,600 (₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at highest tax slab rate of 30% on life insurance premium u/s 80C of ₹ 1,50,000 and health premium (Critical illness rider) u/s 80D of ₹ 25,000. Tax benefits are subject to conditions under section 80C, 80D, 10(10D) as per Income Tax Act, 1961. Please consult your tax advisor for more information.
#^# Individual Life Insurance Policies issued on or subsequent to 22nd, September 2025, shall be exempt from GST under the provisions of the Goods and Services Tax, 2017.
15. HDFC Life Click 2 Protect Ultimate(UIN: 101N179V01) A Non-Linked, Non-Participating, Individual, Pure Risk Premium/Savings Life Insurance Plan. The policy must be in force on the date of death, with all premiums fully paid, except for the exclusion clauses mentioned in Part F of the policy document.
