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In this policy, the investment risk in the investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year
HDFC Life
Smart Pension Plan
UIN: 101L164V09
Build a retirement corpus
Loyalty additions1
Flexibility to alter vesting date and premium payment term
NEW FUND LAUNCH
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Why HDFC Life Smart Pension Plan is just right for you?
A Unit Linked Non-Participating Individual Pension Plan
This plan is suitable, if you want to ensure regular income and lead an independent life without compromising the standard of living after you retire
Life insurance cover to the extent of 105% of total Premium(s) paid including top-up premium
To build a retirement corpus
Flexibility to alter vesting date and premium payment term
Loyalty additions1
This plan is suitable, if you want to ensure regular income and lead an independent life without compromising the standard of living after you retire
Life insurance cover to the extent of 105% of total Premium(s) paid including top-up premium
To build a retirement corpus
Flexibility to alter vesting date and premium payment term
Loyalty additions1
1. Loyalty addition would be added to the fund starting from 10 policy anniversary for the other than ‘Single Premium’ policies paying annualized premium of ₹ 1,00,000 at least and for all the Single Premium paying policies.
1. Loyalty addition would be added to the fund starting from 10 policy anniversary for the other than ‘Single Premium’ policies paying annualized premium of ₹ 1,00,000 at least and for all the Single Premium paying policies.
HDFC Life Smart Pension Plan
List of Funds available with this product
Equity Funds
View All* Data as of 30th September 2026. Past Performance is not indicative of future performance of the fund.
NAV
29.4937
17.09.2020
52 week High
07.02.2020
52 week Low
23.03.2020
* Data as of 30th September 2026. Past Performance is not indicative of future performance of the fund.
* Data as of 30th September 2026. Past Performance is not indicative of future performance of the fund.
Top 200 Equal Weight Pension Fund
ULIF09316/09/26T200EqWPFd101
NAV
10.081
2026-10-05
52 wk High
2026-10-05
10.081
52 wk Low
2026-09-30
10
vs
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Individual Prime Equity Pension Fund
ULIF01316/12/09PNPRIMEEQU101
NAV
42.4423
2026-10-05
52 wk High
2026-01-02
48.5176
52 wk Low
2026-03-31
41.264
vs
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Large Cap - Pension Fund
ULIF01901/06/20PNLARGECAP101
NAV
18.7263
2026-10-05
52 wk High
2026-01-02
21.7035
52 wk Low
2026-03-31
18.458
vs
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Flexi Cap Pension Fund
ULIF07201/09/23FlexiCapPF101
NAV
11.3694
2026-10-05
52 wk High
2026-01-02
12.5735
52 wk Low
2026-03-31
10.814
vs
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Top 500 Momentum 50 pension Fund
ULIF07702/12/24Top500MoPF101
NAV
8.3458
2026-10-05
52 wk High
2025-11-20
8.8949
52 wk Low
2026-03-31
7.3275
vs
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Dynamic Advantage Pension Fund
ULIF08128/02/25DynamicPFd101
NAV
10.1748
2026-10-05
52 wk High
2026-01-02
11.3326
52 wk Low
2026-03-30
9.9745
vs
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Top 300 Alpha 50 Pension Fund
ULIF07928/02/25Alpha300PF101
NAV
10.403
2026-10-05
52 wk High
2026-08-28
11.1394
52 wk Low
2026-03-31
8.6882
vs
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
India Consumption Advantage Pension Fund
ULIF08521/11/25InCnsAdPFd101
NAV
8.9535
2026-10-05
52 wk High
2025-12-19
10
52 wk Low
2026-03-31
8.5259
vs
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
India Sector Leaders Opportunities Pension Fund
ULIF08702/03/26InStrLrPFd101
NAV
9.986
2026-10-05
52 wk High
2026-08-03
10.926
52 wk Low
2026-03-31
9.6739
vs
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Top 500 Smart Value 50 Pension Fund
ULIF08928/05/26SmtVl50PFd101
NAV
9.2016
2026-10-05
52 wk High
2026-06-15
10
52 wk Low
2026-10-01
9.1431
vs
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Dividend Leaders Advantage Pension Fund
ULIF09126/08/26DivLrAdPFd101
NAV
9.7709
2026-10-05
52 wk High
2026-09-23
10.0954
52 wk Low
2026-10-01
9.7163
vs
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Debts Funds
View All* Data as of 30th September 2026. Past Performance is not indicative of future performance of the fund.
NAV
29.4937
17.09.2020
52 week High
07.02.2020
52 week Low
23.03.2020
* Data as of 30th September 2026. Past Performance is not indicative of future performance of the fund.
* Data as of 30th September 2026. Past Performance is not indicative of future performance of the fund.
Individual Preserver Pension Fund
ULIF01216/12/09PNPRESERVR101
NAV
35.9646
2026-10-05
52 wk High
2026-08-14
36.3634
52 wk Low
2026-04-02
34.8279
vs
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Hybrid Funds
View All* Data as of 30th September 2026. Past Performance is not indicative of future performance of the fund.
NAV
29.4937
17.09.2020
52 week High
07.02.2020
52 week Low
23.03.2020
* Data as of 30th September 2026. Past Performance is not indicative of future performance of the fund.
* Data as of 30th September 2026. Past Performance is not indicative of future performance of the fund.
Your Plan. Your Benefits
View the benefits available for you
- Death Benefit
- Retirement Corpus
- Flexibility to Alter
- Fund Strategy
- Loyalty Additions
Death Benefit
Death Benefit
-
On death of the life assured before the end of policy term, the nominee will receive death benefit which shall be higher of the following:
- Fund value
- Sum Assured on Death
-
Sum Assured on Death in this policy at any time during the policy term will be 105% of total premiums including top-up premiums paid reduced to the extent of the partial withdrawals from the fund value during the two-year period immediately preceding the death of the life assured.
Check Your Eligibility
ELIGIBILITY CRITERIA
Premium payment term (PPT) |
Single Premium or Other than Single Premium: 5 to 30 years |
|
Policy Term (PT in years which may be changed later) |
Minimum: 5 years or PPT whichever is higher |
|
Minimum Age at Entry (in years as on last birthday) |
18 years |
|
Maximum Age at Entry (in years as on last birthday) |
70 years |
|
Minimum Age at Vesting Date (in years as on last birthday) |
40 years (55 years for QROPS) |
|
Maximum Age at Vesting Date (in years as on last birthday) |
80 years |
|
Premium Payment Frequency |
Yearly, Half-yearly, Monthly |
|
Minimum Premium |
5 Pay: |
Annual: Rs. 1,00,000 Half Yearly: Rs. 50,000 Monthly: Rs. 10,000 |
Others: |
Annual: Rs. 30,000 Half Yearly: Rs. 15,000 Monthly: Rs. 3,000 |
|
Single: |
Rs. 1,00,000 |
|
Maximum Premium |
|
|
HDFC Life Retirement FAQ video series
1. Loyalty addition would be added to the fund starting from 10 policy anniversary for the other than ‘Single Premium’ policies paying annualized premium of ₹ 1,00,000 at least and for all the Single Premium paying policies.
2. For more details on charges please refer brochure
The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year.
For more details on risk factors, associated terms and conditions and exclusions, please read sales brochure carefully before concluding a sale. HDFC Life Smart Pension Plan (UIN: 101L164V09) is the name of a Unit Linked Non-Participating Individual Pension Plan.
Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. HDFC Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and HDFC Life Smart Pension Plan (UIN: 101L164V09) is only the name of the unit linked life insurance contract. The name of the company, name of the brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
ARN: PP/09/26/38586
