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What is Net Asset Value?
The net asset value (NAV) of a Unit Linked Insurance Plan (ULIP)/ mutual fund is the total value of its holdings net of admissible expenses.
The NAV is calculated by adding the ULIP / mutual fund's holdings as on a particular day less all liabilities like management fees, operating expenses, marketing expenses , among other permissible expenses and charges.
The net asset value represents the value of the total holdings of the ULIP / mutual fund.It may be divided by the number of units held by investors and, thereby, represent the net asset value per unit (NAV/unit).
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This can be understood easily with the help of an example.
Let us take a ULIP launched by ABC Life. This is how its NAV is typically calculated.
ABC Life ULIP has total holdings as on date of Rs 11 lakhs
Less: Related Expenses Rs. 1 lakh
Net Asset Value Rs. 10 lakhs
No. of units Rs. 1 lakh
NAV per unit Rs. 10
There is some misconception with regards the NAV. Investors perceive a higher NAV as being 'expensive' and may choose to give the investment a miss. They may settle for an investment with a lower NAV because it's 'inexpensive'.
As we have seen the NAV is merely the book value of the ULIP/ mutual fund's investments minus expenses. It is not inflated nor is it misrepresentative. It represents the fair price of its assets should the mutual fund liquidate all its investments on that day. Investors need not be concerned about the price being too high or low. Therefore, a higher or lower NAV holds no significance and should not be the basis for identifying the right ULIP / mutual fund.
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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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@@Online Premium for Life Option for HDFC Life Click 2 Protect Supreme (UIN: 101N183V01), Male Life Assured, Non-Smoker, 35 years of age, Policy term of 35 years, Regular pay, Annual frequency, exclusive of taxes and levies as applicable. (Monthly Premium of 1921)
@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.
*Online Premium for Life Option, Male Life Assured, Non-Smoker, 20 years of age, Policy term of 25 years, Regular pay, Monthly frequency, exclusive of taxes and levies as applicable.
#^# 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.
