Investment Plans

Savings & Investments Plan

Our Savings and Investment plans are life insurance plans that offer you multiple avenues to save and to grow your money. These online investment plans help in systematic and disciplined investment ensuring that you and your family achieve your financial goals.

Click here to view the Specimen Policy Document of this plan.

Investment Plans are financial products that provide the opportunity to create wealth for future. Investment plans offer to help individuals in disciplined and periodic investment into different funds overtime so as to achieve their future financial goals.

Savings and Investment plans help you save regularly and be adequately prepared to meet family’s financial needs in the future.

These online investment plans offer various features that help meet your specific financial needs with investments made according to your appetite to take risks.

Our Savings and Investment Plans help you save ample amounts with the help of regular investments after taking into account your specific financial situation and future needs.

They also provide protection to your family and ensure all expenses are covered even in your absence.

All Plans

HDFC Life Click 2 Wealth
A Unit Linked, Non-Participating, Life Insurance plan that offers market linked returns, charges minimally, provides valuable financial protection for you and your family. Read More
HDFC Life Sanchay Plus
HDFC Life Sanchay Plus, a non-participating, non-linked, savings insurance plan that offers guaranteed returns for you and your family. Read More
HDFC Life Sanchay Par Advantage
HDFC Life Sanchay Par Advantage, a life insurance solution which allows you to live an uncompromised life, whilst securing the future of your family and, ensuring you leave behind a legacy for them. Read More
HDFC Life Sanchay
Guaranteed Returns helps you to fulfill your responsibility with ease. Read More
HDFC Life Sampoorn Samridhi Plus
Build wealth and plan your legacy while enjoying lifetime coverage. Read More
HDFC Life ClassicAssure Plus
This plan helps you to achieve your future financial goals. Read More
HDFC Life Super Income Plan
A Regular Income plan with guaranteed benefits plus bonuses Read More
HDFC Life Sampoorn Nivesh
You have certain financial goals for your family which may vary as you progress from one life stage to another. Read More
HDFC SL ProGrowth Flexi
Ulip plan that provides flexibility to choose funds for investments. Read More
HDFC Life ProGrowth Plus
Plan that allows investment based on risk and return requirement Read More
HDFC SL ProGrowth Super II
Savings cum Ulip plan with 8 different options available Read More
ULIP savings plan to help you achieve your investment goals along with financial protection for your family. Read More
HDFC Life Uday
Benefits like guaranteed additions and bonuses while ensuring that your family receives a lump sum benefit in case of your unfortunate death. Read More
HDFC Life Capital Shield
You have always wanted to use the best possible avenues to invest your hard-earned money. Read More
HDFC Life Pragati
“Grow your Savings, Secure your Future”. Each one of us desires a secure future for ourselves and our loved ones Read More
HDFC LIFE Click 2 Invest
An unit linked online investment plan with life insurance coverage Read More
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Confused about what is the right Savings & Investment Plan for you ?

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Managing your finances is all about balancing your present needs with those that will arise in the future. The key to having ample savings for future needs is choosing the right investments. So, how do you choose the right investment plan for yourself and your family? After all, there is a plethora of investment plans available. The key is to get a broad sense of the choice available. Here is a bird’s eye view.

FDs are simple to understand and that is why they are popular in India. However, they suffer both in terms of growth and impact of tax. Remember, being low risk, its interest income is always being nibbled by inflation. Then, there is the impact of tax which has to be paid according to the tax slab. Of course, exceptions to this are Public Provident Fund (PPF) and National Savings Certificate (NSC) which qualify for deductions from total income of upto Rs 1.5 lakhs under Section 80C of the Income-tax Act, 1961. The aggregate deduction available under section 80C, section 80CCC and section 80CCD(1) of the Income-tax Act, 1961, is restricted to Rs. 1.5 lakhs.

For mutual funds and life insurance investment plans, you have experts managing your money. In life insurance savings & investment plans, you also have protection in the form of life insurance bundled with the investment. Depending on your risk appetite, in mutual funds, you can choose among lower risk debt funds to higher risk equity funds. In life insurance, this works a little differently.

There are traditional plans and unit linked insurance plans (ULIP). While traditional investment plans work for you if you are not particular about the investments made by the investment experts, ULIP plans are for those who like to have a greater say in where their money being invested and want to track their investment performance.

In traditional plans, a part of your premium is deployed in making investments to grow your money.During the policy term, you receive bonuses, loyalty and other additions. These add to the amount you finally save.

In case of unit linked insurance plans, a part of the premium is used to buy units of an ULIP fund chosen by the investor. The choice of the ULIP fund is typically determined by the investors risk appetite. ULIP plans typically have funds that invest varying proportions in debt and equity. Investors seeking growth for their money can opt for funds which invest a large portion in equity. In the long term i.e. over 8-10 years or more, these equity oriented ULIP funds typically provide high growth. This ensures that you have ample savings.

In addition to growth from equities, ULIPs can also benefit from any loyalty addition feature that may reward anyone who has stayed invested for at least a certain period of time, with the additions coming in regular intervals for the remaining part of the term. To this add the annual deduction of up to Rs 1.5 lakhs under Section 80C of the Income-tax Act, 1961, for the premiums paid and tax free maturity proceeds under Section 10(10D) of the Income-tax Act, 1961, subject to fulfilment of the terms and conditions stated therein. While the tax benefits are available for traditional plans as well, but for those who are young and seeking growth ULIP Plans become a frontrunner to be the best investment plan.

While we have just provided a bird’s eye view of various important investment policies in India, your quest for picking the best investment plan among various investment plans should involve taking into account your family’s specific needs. That is the best way of hitting bulls eye with your financial goals.

Why You Might Like To combine Insurance And Investment In A Ulip?

After you have taken care of all your regular family expenses, you save the balance for the future needs of the family . In other words, your family is dependent on you for their present as well as future needs. So, if something were to happen to you, there is a high likelihood of your family's dreams being thrown into disarray. But, don't worry! Marrying your investment and insurnace with these investment plans could help you secure the present and future of your family.
  • Every investment that you make today is targeted to cater to a future goal. Ideally, you expect that once your investments mature they would help you meet your future goals. But till the time the investments mature and help the family achieve its goals there is always an element of risk. Should something happen to you midway, this investment could very well be liquidated and prematurely withdrawn to fulfil the family's current needs. Even the corpus left after the partial liquidation will not suffice to meet the family's goals, be it child's higher education or spouse's retirement.

  • The risk to financial security of your family is much higher during the first half of your work life. Be it goals, such as your child's higher education or wedding, or, your own retirement, your savings remain very low in the initial phase. For instance, if you are targeting to save Rs 50 lakh for your child's higher education 20 years down the line, and your investment earns a post-tax annual return of 8%, then you would need to save Rs 8,793 per month to achieve your goal. But you will be able to accumulate only Rs 6.45 lakh in the first 5 years and Rs 15.93 lakh in the first 10 years, surely the sum that will not help your child fulfil her need for higher education. It is in situations such as these that the life insurance coverage comes to the rescue and ensures that your family is able to fulfil the desired goals even in the event of your untimely demise.

  • During the course of your work life, your income will help you accumulate various assets, such as household appliances, gadgets, land, residential property, gold and deposits. Over a period, certain assets will generate enough income to take care of your family's regular expenses. But if you are no longer there, acquiring these assets could remain just a wish, unfulfilled. Here, a life insurance cover could provide that bridge when there aren't many income generating assets available. Also, big-ticket items like car and home are typically bought with the aid of loans. In the event of your untimely demise, your family would be left with no choice but to sell them off to repay the outstanding loan. This is where unit linked insurance plans (Ulips) from life insurance companies works so well. They not only protect your family in your absence by covering living expenses but also allow your family members to keep enjoying the car and home bought with loans. Besides providing life cover, Ulips allow you to invest in equities which typically provide high growth during tenures of 10 years or more. The life cover ensures that other high growth investments such as those in equities besides the investment portion of Ulips still keeps growing. What's more, the cost of life insurance is quite low, especially for online plans.

  • With an adequate life protection to take care of your family, you are better placed to take higher risk for higher reward investments such as equities. This will also help you go a long way in helping you save more in the long-term of 10 years or more.

    Clearly, combining insurance with investment by investing in a combo product likes Ulip provides you with more benefits than what meets the eye at the first instance. The key is investing in the right Ulip.*

    *Calculations shown in this article are based on assumptions which are mentioned therein and are not related to any product and are just for illustration purpose.

3 ways in which ULIP lock-in period helps you invest for long-term goals

Short-term financial emergencies often damage your financial plans for meeting long-term needs. When faced with an emergency, we tend to reach out to investments that can be liquidated easily. That’s where the lock-in periods in investments, such as in unit linked insurance plans (ULIPs), help you stay on course.
  • Your long-term life goals, such as retirement, need big amounts. As big amounts cannot be saved in a short period, you need long-term regular savings to achieve different goals. That said, you could come across emergencies that will require you to spend significant amount of money. If you have unrestricted access to long-term investments, they could become an easy choice for liquidation, consequently, compromising your long-term goal. For instance, a premature liquidation of long-term investments, say, your child’s higher education, to meet a medical emergency, will either compromise his education, or, he will have to take an education loan. If you take the EMI payment burden of the education loan, it will hamper your retirement savings. If your child pays the education loan EMIs, he will save less or nothing for quite some time in his early work life. A lock-in period like the one in ULIPs, ensures that you stick to regular savings in the initial years, stay away from liquidation and successfully save the desired amount for the intended life goal.

  • When you start long-term investments with an ULIP, you would typically earmark it for an important goal such as your child’s higher education or wedding. These goals are likely to be 10-20 years away. However, during the course of maintaining your regular expenses month-on-month, you might come across occasions when you would suddenly need a significant amount in a short time. It could be something like money to be raised for child’s school admission process. These can’t be accommodated in your monthly budget or addressed through small savings at hand. If you are not allowed to withdraw money in investments like ULIP in the initial years due to a lock-in, you get to save a significant sum by the end of the mandatory 5 year lock-in period. Your temptation to liquidate a lower savings amount during emergencies will be greater compared to substantial amounts over a longer period. This, in effect, improves the chances of the money growing unhindered over the long term and providing the growth you seek. As for emergencies, you are forced to make provisions for them like an emergency fund which has liquid investments equivalent to 3-6 months of living expenses. In any case, during the emergency, you will need to look elsewhere for money and that’s where investment plans come into picture.

  • Equity is considered among the best-performing asset classes in the long-run i.e. 8-10 years or more. But, in the short term, the investments are subject to significant volatility. Individual investors, new to equity investments can get perturbed by the high short-term volatility and some even make premature exits from investments on significant market declines, losing out on long term growth opportunity. However, thanks to the minimum 5 year lock-in in ULIPs, which also help you tap the long-term growth potential of equities, you can’t make a hasty and premature exit. Over time, you get used to the turbulence which settles down to more stable returns in the long term investment plans as the investments cross the 8-10 year mark.

    Investors typically prefer the best investment plan where they can access their money during emergencies. Many times, this facility does more harm than good since people end up nullifying their hard work done over time with ill-considered premature exits from long-term investments. Lock-in periods in investments such as ULIPs ensure that you short term emergencies don’t hamper your progress towards cherished goals such as child’s higher education.

₹ 1000 can make all the difference

Just how much could saving Rs 1,000 a month change your life? After all, in a large Indian city, that’s what you pay for a trip to the multiplex and in some cases, a meal for two. The amount may not seem big enough for you to alter your future. But if we tell you that the difference could be Rs 14.16 lakh at age 54, if you are 24 today, we have your attention, don’t we?
Here are some numbers to show the big punch that small savings in investment plans can pack for you in the future.

No matter how small your savings, if they get enough time to grow, they can become reallybig over time.

Now, if you manage to save just Rs 1,000 every month after taking care of all expenses, taxes, EMIs at age 24, and keep saving the same amount for the next 30 years, your money grows to Rs 14.16 lakh. That’s assuming that your money grows at 8 per cent every year after taxes. What happens if you start saving the double the amount, but start 10 years later i.e. Rs 2,000 every month at age 34? The answer: you end up with only Rs 11.44 lakh, assuming the same growth for your money. It’s amazing, isn’t it? Even by doubling the savings you can’t still reach where you do by starting early. But what explains this?

Let’s return to our example. If the monthly savings of Rs 1,000 grows at 8 per cent every year, in 20 years the money grows to Rs 5.72 lakh in 20 years. If you keep doing more of the same, the money grows 2.5 times in the next 10 years. Look at it in another way. For Rs 1.81 lakh invested during year 20 and year 30, you manage to add Rs 6.63 lakh to your savings. All this you manage to do simply because you accumulate Rs 5.72 lakh in the first 20 years. Moral of the story: money starts growing by itself over long periods. So, the key is to have large amounts of time at hand and not necessarily save big amounts.

There have and are, many “get rich quick” investment schemes that promise you great growth for your money in a short period of time. Many people, after starting out late and anticipating their significant financial needs fall prey to such schemes and lose their money. An early start to regular savings, even with small amounts, ensures that you don’t have try anything and expect anything, too risky. If anything, with minimum supervision, you can make your money grow and attend to other important things in life. This means you don’t have to stress yourself tracking high growth, high risk investment areas such as stock markets. After a late start, many people spend dollops of time figuring out when to buy and when to sell stocks, almost invariably getting into a mess.

A common mistake made by many people is that they wait to have enough savings to invest. In the process, they lose precious time for the money to grow. If you are wondering where small savings can be made to work, the good news is that there are plenty of regular investment options that help you do this. Among them are life insurance plans. Interestingly, many people assume that you need significant amounts to invest in life insurance savings plans. Life insurance companies have monthly premium paying modes where you can invest small amounts such as Rs 1,000 per month. If you buy online, the amounts can get even lesser. As you get on with your small savings habit and get the money to grow, you can earmark the money for specific needs.

We have all heard elders talk about the power of time. Growth of small, but regular savings is possibly a great illustration of the fact. What’s wonderful is anybody can harness this power to shape his future. So, what do you say now? A monthly saving of Rs 1,000 counts, doesn’t it?

HDFC Life Click2Invest ULIP
A small investment can rise up substantially over a period of time. HDFC Life Click 2 Invest - ULIP, offers 8 fund options to optimise return on your investment.



You can check the Fund Value of your policy under Policy Summary Section of My Account. To register for My Account, click here. You may also register for the SMS on the Move facility, where you can check the policy Fund Value via SMS. You can register for this service by typing "REG [space] [policy number]" and send it to 5676727 (charges applicable as per the service provider). To keep you updated about the performance of your policy fund, an Annual Unit Statement is also sent to your mailing address. You may even check the fund value via our IVR service by doing the following: Select Option 1- Policy Information and Press 1. You may also use our Missed Call service by giving a missed call on 08000006609 and wait to receive the Fund value of your policy via an SMS text.

Most unit linked plans offer you the option of making lump sum withdrawals anytime during the "In force" and “Paid Up” status of the policy subject to the conditions explained in the policy document. Kindly refer to your policy document to know about the eligibility & charges levied for partial withdrawal. 

You can pay your investment plan premiums online via:


Credit card/ Debit card

Debit Card with PIN

SI on card

In case of any queries related to plan or form filling pls call our toll free number 1800 266 9777 or contact us at
For submitting documents or any other query after premium payment, you can write us at or call us on toll free number 1800 266 0315.
Post policy Issuance you can reach out our customer service desk on 1860 267 9999 (Local call charges apply) or write to us at


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