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Fund Performance Check

In ULIP Plan, the investment risks in the investment portfolio is borne by the policyholder

ULIP - Unit Linked Insurance Plan

A Unit-Linked Insurance Plan (ULIP) is a type of life insurance policy that offers the added advantage of investment opportunities. ULIPs enable policyholders to invest in various debt and equity funds to build a corpus for their future financial goals. ...Read More

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Francis Rodrigues 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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Author Profile Written By:
Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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What are Unit Linked Insurance Plans (ULIP)?

image-star image-star image-star image-star image-star image-star image-cloud image-cloud image-cloud moon What Are Unit Linked Insurance Plans (ULIPs)?

Unit Linked Insurance Plans (ULIPs) are a type of life insurance plan that combines insurance coverage with investment options. ULIPs allow you to invest in a variety of asset classes, such as equity, debt, and money market funds, depending on your risk appetite and investment goals.

ULIPs can be a good option for people who are looking for both insurance coverage and investment growth. However, it is important to remember that ULIPs are not without risk. The value of your investments can go up or down.

There are two components to ULIP Plans:

The insurance component: This part of the premium goes towards providing life insurance coverage. If you pass away during the term of the policy, your beneficiaries will receive a death benefit.

The investment component: This part of the premium is invested in your chosen asset classes. The performance of these investments will determine how much money you have accumulated at the end of the policy term.

The amount of money that goes towards each component will depend on the terms of your ULIP policy. You can usually choose how much of your premium payment you want to allocate to the insurance component and how much you want to allocate to the investment component.

Your finances need different investments

  • Listing Bullet A pure insurance cover only takes care of your family’s needs if you are not around.
  • Listing Bullet Considering today’s inflation you need higher returns for your investments.
  • Listing Bullet It is very important to customise your savings depending on your financial goals.
Your finances need different investments

Which HDFC Life ULIP Plan is ideal for you?

At HDFC Life, we have several ULIP Plan options, so you can find one that best meets your financial needs. Our Top Recommended Solutions Suitable for you

  • In Ulip Plan, the investment risks in the investment portfolio is borne by the policyholder

    HDFC Life Smart Protect Plan

    UIN: 101L175V02


    A Plan that addresses your long-term savings  needs and also provides you protection in the form of a life cover

    UIN: 101L175V02


    A Plan that addresses your long-term savings  needs and also provides you protection in the form of a life cover

    Key Features*
    • Get upto 100 times13 of your premium as sum assured
    • Get a minimum Assured Benefit8 in the form of capital guarantee
    • Boost your fund value with 4 kinds of Loyalty Additions
    • Get upto 100 times13 of your premium as sum assured
    • Get a minimum Assured Benefit7 in the form of capital guarantee
    • Boost your fund value with 4 kinds of Loyalty Additions
    ULIP Plan
  • In Ulip Plan, the investment risks in the investment portfolio is borne by the policyholder

    HDFC Life Sampoorn Nivesh

    UIN: 101L103V03


    An insurance cum investment plan with loyalty additions and multiple fund options to help you optimize your investment

    UIN: 101L103V03


    An insurance cum investment plan with loyalty additions and multiple fund options to help you optimize your investment

    Key Features*
    • Choose from 12 Funds to optimize your investment returns
    • Customize your premium payment options – Single, Limited or Regular
    • Choose from 3 convenient Benefit options to customize your payouts
    • Choose from 12 Funds to optimize your investment returns
    • Customize your premium payment options – Single, Limited or Regular
    • Choose from 3 convenient Benefit options to customize your payouts
    ULIP Plan
  • In Ulip Plan, the investment risks in the investment portfolio is borne by the policyholder

    HDFC Life Click 2 Wealth

    UIN: 101L133V03


    Get dual advantage of market-linked returns along with financial protection

    UIN: 101L133V03


    Get dual advantage of market-linked returns along with financial protection

    Key Features*
    • Enjoy unlimited free Switching option
    • Opt for systematic withdrawal from your funds for post retirement income
    • Choose from 13 Funds to maximize your investment
    • Enjoy unlimited free Switching option
    • Opt for systematic withdrawal from your funds for post retirement income
    • Choose from 13 Funds to maximize your investment
    ULIP Plan

HDFC Life Sampoorn Nivesh Fund Performance

List of Funds available with this product

Equity Funds

View All

Midcap Momentum Fund

ULIF07317/01/24MidCpMoIdx101

NAV

11.8964

2024-07-12

52 wk High

2024-07-11

11.9376

52 wk Low

2024-04-19

9.8423

*HDFC Fund Performance 4.93%

vs

i *Market Benchmark 4.71%

NIFTY MIDCAP150 MOMENTUM 50 (100%)

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

11.8964

2024-07-12

52 wk High

2024-07-11

11.9376

52 wk Low

2024-04-19

9.8423

*HDFC Fund Performance N.A.

vs

i *Market Benchmark N.A.

NIFTY MIDCAP150 MOMENTUM 50 (100%)

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

11.8964

2024-07-12

52 wk High

2024-07-11

11.9376

52 wk Low

2024-04-19

9.8423

*HDFC Fund Performance N.A.

vs

i *Market Benchmark N.A.

NIFTY MIDCAP150 MOMENTUM 50 (100%)

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

11.8964

2024-07-12

52 wk High

2024-07-11

11.9376

52 wk Low

2024-04-19

9.8423

*HDFC Fund Performance N.A.

vs

i *Market Benchmark N.A.

NIFTY MIDCAP150 MOMENTUM 50 (100%)

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Equity Plus Fund

ULIF05301/08/13EquityPlus101

NAV

32.9372

2024-07-12

52 wk High

2024-07-12

32.9372

52 wk Low

2023-10-26

25.2263

*HDFC Fund Performance 6.87%

vs

i *Market Benchmark 6.57%

Nifty 50

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

32.9372

2024-07-12

52 wk High

2024-07-12

32.9372

52 wk Low

2023-10-26

25.2263

*HDFC Fund Performance 26.49%

vs

i *Market Benchmark 25.13%

Nifty 50

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

32.9372

2024-07-12

52 wk High

2024-07-12

32.9372

52 wk Low

2023-10-26

25.2263

*HDFC Fund Performance 15.98%

vs

i *Market Benchmark 15.16%

Nifty 50

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

32.9372

2024-07-12

52 wk High

2024-07-12

32.9372

52 wk Low

2023-10-26

25.2263

*HDFC Fund Performance 16.26%

vs

i *Market Benchmark 15.29%

Nifty 50

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Diversified Equity Fund

ULIF05501/08/13DivrEqtyFd101

NAV

41.0957

2024-07-12

52 wk High

2024-07-12

41.0957

52 wk Low

2023-10-26

30.8038

*HDFC Fund Performance 6.95%

vs

i *Market Benchmark 6.84%

BSE100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

41.0957

2024-07-12

52 wk High

2024-07-12

41.0957

52 wk Low

2023-10-26

30.8038

*HDFC Fund Performance 28.76%

vs

i *Market Benchmark 29.77%

BSE100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

41.0957

2024-07-12

52 wk High

2024-07-12

41.0957

52 wk Low

2023-10-26

30.8038

*HDFC Fund Performance 16.44%

vs

i *Market Benchmark 16.63%

BSE100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

41.0957

2024-07-12

52 wk High

2024-07-12

41.0957

52 wk Low

2023-10-26

30.8038

*HDFC Fund Performance 17.48%

vs

i *Market Benchmark 16.35%

BSE100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Blue Chip Fund

ULIF03501/01/10BlueChipFd101

NAV

50.7123

2024-07-12

52 wk High

2024-07-12

50.7123

52 wk Low

2023-10-26

38.3439

*HDFC Fund Performance 7.21%

vs

i *Market Benchmark 6.84%

BSE100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

50.7123

2024-07-12

52 wk High

2024-07-12

50.7123

52 wk Low

2023-10-26

38.3439

*HDFC Fund Performance 27.76%

vs

i *Market Benchmark 29.77%

BSE100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

50.7123

2024-07-12

52 wk High

2024-07-12

50.7123

52 wk Low

2023-10-26

38.3439

*HDFC Fund Performance 15.76%

vs

i *Market Benchmark 16.63%

BSE100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

50.7123

2024-07-12

52 wk High

2024-07-12

50.7123

52 wk Low

2023-10-26

38.3439

*HDFC Fund Performance 16.17%

vs

i *Market Benchmark 16.35%

BSE100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Opportunities Fund

ULIF03601/01/10OpprtntyFd101

NAV

75.7571

2024-07-12

52 wk High

2024-07-05

76.1251

52 wk Low

2023-07-13

51.9761

*HDFC Fund Performance 8.33%

vs

i *Market Benchmark 7.80%

Nifty Mid Cap 100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

75.7571

2024-07-12

52 wk High

2024-07-05

76.1251

52 wk Low

2023-07-13

51.9761

*HDFC Fund Performance 44.46%

vs

i *Market Benchmark 55.89%

Nifty Mid Cap 100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

75.7571

2024-07-12

52 wk High

2024-07-05

76.1251

52 wk Low

2023-07-13

51.9761

*HDFC Fund Performance 20.61%

vs

i *Market Benchmark 27.37%

Nifty Mid Cap 100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

75.7571

2024-07-12

52 wk High

2024-07-05

76.1251

52 wk Low

2023-07-13

51.9761

*HDFC Fund Performance 21.36%

vs

i *Market Benchmark 25.85%

Nifty Mid Cap 100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Discovery Fund

ULIF06618/01/18DiscvryFnd101

NAV

38.9873

2024-07-12

52 wk High

2024-07-09

39.0283

52 wk Low

2023-07-13

25.8319

*HDFC Fund Performance 7.40%

vs

i *Market Benchmark 7.80%

Nifty Mid Cap 100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

38.9873

2024-07-12

52 wk High

2024-07-09

39.0283

52 wk Low

2023-07-13

25.8319

*HDFC Fund Performance 49.23%

vs

i *Market Benchmark 55.89%

Nifty Mid Cap 100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

38.9873

2024-07-12

52 wk High

2024-07-09

39.0283

52 wk Low

2023-07-13

25.8319

*HDFC Fund Performance 25.01%

vs

i *Market Benchmark 27.37%

Nifty Mid Cap 100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

38.9873

2024-07-12

52 wk High

2024-07-09

39.0283

52 wk Low

2023-07-13

25.8319

*HDFC Fund Performance 29.00%

vs

i *Market Benchmark 25.85%

Nifty Mid Cap 100

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Equity Advantage Fund

ULIF06723/03/18EqtyAdvtFd101

NAV

27.9487

2024-07-12

52 wk High

2024-07-12

27.9487

52 wk Low

2023-10-26

19.8826

*HDFC Fund Performance 7.22%

vs

i *Market Benchmark 6.46%

BSE200

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

27.9487

2024-07-12

52 wk High

2024-07-12

27.9487

52 wk Low

2023-10-26

19.8826

*HDFC Fund Performance 37.21%

vs

i *Market Benchmark 34.24%

BSE200

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

27.9487

2024-07-12

52 wk High

2024-07-12

27.9487

52 wk Low

2023-10-26

19.8826

*HDFC Fund Performance 19.75%

vs

i *Market Benchmark 17.63%

BSE200

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

27.9487

2024-07-12

52 wk High

2024-07-12

27.9487

52 wk Low

2023-10-26

19.8826

*HDFC Fund Performance 21.28%

vs

i *Market Benchmark 17.65%

BSE200

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

* Data as of 30th June 2024. Past Performance is not indicative of future performance of the fund.

NAV

29.4937

17.09.2020

52 week High

07.02.2020

30.30

52 week Low

23.03.2020

19.51

* Data as of 30th June 2024. Past Performance is not indicative of future performance of the fund.

* Data as of 30th June 2024. Past Performance is not indicative of future performance of the fund.

Midcap Momentum Fund

ULIF07317/01/24MidCpMoIdx101

NAV

11.8964

2024-07-12

52 wk High

2024-07-11

11.9376

52 wk Low

2024-04-19

9.8423

*HDFC Fund Performance

vs

i *Market Benchmark

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Equity Plus Fund

ULIF05301/08/13EquityPlus101

NAV

32.9372

2024-07-12

52 wk High

2024-07-12

32.9372

52 wk Low

2023-10-26

25.2263

*HDFC Fund Performance

vs

i *Market Benchmark

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Diversified Equity Fund

ULIF05501/08/13DivrEqtyFd101

NAV

41.0957

2024-07-12

52 wk High

2024-07-12

41.0957

52 wk Low

2023-10-26

30.8038

*HDFC Fund Performance

vs

i *Market Benchmark

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Blue Chip Fund

ULIF03501/01/10BlueChipFd101

NAV

50.7123

2024-07-12

52 wk High

2024-07-12

50.7123

52 wk Low

2023-10-26

38.3439

*HDFC Fund Performance

vs

i *Market Benchmark

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Opportunities Fund

ULIF03601/01/10OpprtntyFd101

NAV

75.7571

2024-07-12

52 wk High

2024-07-05

76.1251

52 wk Low

2023-07-13

51.9761

*HDFC Fund Performance

vs

i *Market Benchmark

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Discovery Fund

ULIF06618/01/18DiscvryFnd101

NAV

38.9873

2024-07-12

52 wk High

2024-07-09

39.0283

52 wk Low

2023-07-13

25.8319

*HDFC Fund Performance

vs

i *Market Benchmark

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Equity Advantage Fund

ULIF06723/03/18EqtyAdvtFd101

NAV

27.9487

2024-07-12

52 wk High

2024-07-12

27.9487

52 wk Low

2023-10-26

19.8826

*HDFC Fund Performance

vs

i *Market Benchmark

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

* Data as of 30th June 2024. Past Performance is not indicative of future performance of the fund.

Debts Funds

View All

Income Fund

ULIF03401/01/10IncomeFund101

NAV

27.1802

2024-07-12

52 wk High

2024-07-10

27.1841

52 wk Low

2023-10-09

25.4049

*HDFC Fund Performance 0.68%

vs

i *Market Benchmark 0.73%

CRISIL Composite Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

27.1802

2024-07-12

52 wk High

2024-07-10

27.1841

52 wk Low

2023-10-09

25.4049

*HDFC Fund Performance 6.60%

vs

i *Market Benchmark 7.62%

CRISIL Composite Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

27.1802

2024-07-12

52 wk High

2024-07-10

27.1841

52 wk Low

2023-10-09

25.4049

*HDFC Fund Performance 4.41%

vs

i *Market Benchmark 5.64%

CRISIL Composite Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

27.1802

2024-07-12

52 wk High

2024-07-10

27.1841

52 wk Low

2023-10-09

25.4049

*HDFC Fund Performance 5.56%

vs

i *Market Benchmark 6.95%

CRISIL Composite Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Bond Fund

ULIF05601/08/13Bond Funds101

NAV

19.5743

2024-07-12

52 wk High

2024-07-10

19.576

52 wk Low

2023-10-09

18.2725

*HDFC Fund Performance 0.83%

vs

i *Market Benchmark 0.73%

CRISIL Composite Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

19.5743

2024-07-12

52 wk High

2024-07-10

19.576

52 wk Low

2023-10-09

18.2725

*HDFC Fund Performance 6.74%

vs

i *Market Benchmark 7.62%

CRISIL Composite Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

19.5743

2024-07-12

52 wk High

2024-07-10

19.576

52 wk Low

2023-10-09

18.2725

*HDFC Fund Performance 4.57%

vs

i *Market Benchmark 5.64%

CRISIL Composite Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

19.5743

2024-07-12

52 wk High

2024-07-10

19.576

52 wk Low

2023-10-09

18.2725

*HDFC Fund Performance 5.58%

vs

i *Market Benchmark 6.95%

CRISIL Composite Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Conservative Fund

ULIF05801/08/13ConsertvFd101

NAV

18.5345

2024-07-12

52 wk High

2024-07-12

18.5345

52 wk Low

2023-07-13

17.4613

*HDFC Fund Performance 0.57%

vs

i *Market Benchmark 0.63%

CRISIL Short Term Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

18.5345

2024-07-12

52 wk High

2024-07-12

18.5345

52 wk Low

2023-07-13

17.4613

*HDFC Fund Performance 6.06%

vs

i *Market Benchmark 7.31%

CRISIL Short Term Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

18.5345

2024-07-12

52 wk High

2024-07-12

18.5345

52 wk Low

2023-07-13

17.4613

*HDFC Fund Performance 4.36%

vs

i *Market Benchmark 5.77%

CRISIL Short Term Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

18.5345

2024-07-12

52 wk High

2024-07-12

18.5345

52 wk Low

2023-07-13

17.4613

*HDFC Fund Performance 5.35%

vs

i *Market Benchmark 6.87%

CRISIL Short Term Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

* Data as of 30th June 2024. Past Performance is not indicative of future performance of the fund.

NAV

29.4937

17.09.2020

52 week High

07.02.2020

30.30

52 week Low

23.03.2020

19.51

* Data as of 30th June 2024. Past Performance is not indicative of future performance of the fund.

* Data as of 30th June 2024. Past Performance is not indicative of future performance of the fund.

Income Fund

ULIF03401/01/10IncomeFund101

NAV

27.1802

2024-07-12

52 wk High

2024-07-10

27.1841

52 wk Low

2023-10-09

25.4049

*HDFC Fund Performance

vs

i *Market Benchmark

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Bond Fund

ULIF05601/08/13Bond Funds101

NAV

19.5743

2024-07-12

52 wk High

2024-07-10

19.576

52 wk Low

2023-10-09

18.2725

*HDFC Fund Performance

vs

i *Market Benchmark

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Conservative Fund

ULIF05801/08/13ConsertvFd101

NAV

18.5345

2024-07-12

52 wk High

2024-07-12

18.5345

52 wk Low

2023-07-13

17.4613

*HDFC Fund Performance

vs

i *Market Benchmark

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

* Data as of 30th June 2024. Past Performance is not indicative of future performance of the fund.

Hybrid Funds

View All

Balanced Fund

ULIF03901/09/10BalancedFd101

NAV

38.3659

2024-07-12

52 wk High

2024-07-12

38.3659

52 wk Low

2023-10-26

31.4621

*HDFC Fund Performance 4.75%

vs

i *Market Benchmark 4.40%

60% BSE100 40% CRISIL Composite Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

38.3659

2024-07-12

52 wk High

2024-07-12

38.3659

52 wk Low

2023-10-26

31.4621

*HDFC Fund Performance 19.32%

vs

i *Market Benchmark 20.91%

60% BSE100 40% CRISIL Composite Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

38.3659

2024-07-12

52 wk High

2024-07-12

38.3659

52 wk Low

2023-10-26

31.4621

*HDFC Fund Performance 11.37%

vs

i *Market Benchmark 12.23%

60% BSE100 40% CRISIL Composite Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

38.3659

2024-07-12

52 wk High

2024-07-12

38.3659

52 wk Low

2023-10-26

31.4621

*HDFC Fund Performance 12.03%

vs

i *Market Benchmark 12.59%

60% BSE100 40% CRISIL Composite Bond Fund Index

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Flexi Cap Fund

ULIF07114/07/23FlexiCapFd101

NAV

15.0375

2024-07-12

52 wk High

2024-07-12

15.0375

52 wk Low

2023-11-01

9.9443

*HDFC Fund Performance 7.29%

vs

i *Market Benchmark 6.90%

NSE Nifty 500 (100%)

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

15.0375

2024-07-12

52 wk High

2024-07-12

15.0375

52 wk Low

2023-11-01

9.9443

*HDFC Fund Performance N.A.

vs

i *Market Benchmark N.A.

NSE Nifty 500 (100%)

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

15.0375

2024-07-12

52 wk High

2024-07-12

15.0375

52 wk Low

2023-11-01

9.9443

*HDFC Fund Performance N.A.

vs

i *Market Benchmark N.A.

NSE Nifty 500 (100%)

Note: returns over 1 year have been annualized

+0.20%

-0.20%

NAV

15.0375

2024-07-12

52 wk High

2024-07-12

15.0375

52 wk Low

2023-11-01

9.9443

*HDFC Fund Performance N.A.

vs

i *Market Benchmark N.A.

NSE Nifty 500 (100%)

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

* Data as of 30th June 2024. Past Performance is not indicative of future performance of the fund.

NAV

29.4937

17.09.2020

52 week High

07.02.2020

30.30

52 week Low

23.03.2020

19.51

* Data as of 30th June 2024. Past Performance is not indicative of future performance of the fund.

* Data as of 30th June 2024. Past Performance is not indicative of future performance of the fund.

Balanced Fund

ULIF03901/09/10BalancedFd101

NAV

38.3659

2024-07-12

52 wk High

2024-07-12

38.3659

52 wk Low

2023-10-26

31.4621

*HDFC Fund Performance

vs

i *Market Benchmark

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

Flexi Cap Fund

ULIF07114/07/23FlexiCapFd101

NAV

15.0375

2024-07-12

52 wk High

2024-07-12

15.0375

52 wk Low

2023-11-01

9.9443

*HDFC Fund Performance

vs

i *Market Benchmark

Note: returns over 1 year have been annualized

+0.20%

-0.20%

  • 1 Month
  • 1 Year
  • 3 Years
  • 5 Years

* Data as of 30th June 2024. Past Performance is not indicative of future performance of the fund.

Best ULIP plans

Grow your corpus. Reap benefits from the market.

Calculate your premium and plan your investments.

Calculate your premium and plan your investments.

Use our quick and simple calculator to plan your investments better

LET'S CALCULATE

ULIPs Simplified

How ULIP Plan By HDFC Life Helps You?

Watch Mr. Prasun Gajri, CIO HDFC Life answer all the questions on ULIP.

ULIPs can be really uncomplicated!

Tune in to this video to know all about ULIPs.

How Does A ULIP Plan Work?

How Does A ULIP Plan Work?

When you pay premiums for a ULIP plan, your money is split into two parts. One part provides life cover for your family's financial security. The other part is invested to grow your wealth. Our fund managers guide you to choose the funds that best suit your financial goals.

Calculating Best ULIP Plan Returns Using the Power of Compounding

 

ULIPs help grow your wealth with compound interest. Let’s see how much your money can grow in various scenarios:
 

Monthly Contribution

Investment Period

Estimated Returns at 4%

Estimated Returns at 8%

INR 1,60,000

10 years

INR 2,30,51,725

INR 2,78,14,199

INR 87,000

15 years

INR 2,09,04,625

INR 2,83,46,806

INR 51,000

20 years

INR 1,82,24,184

INR 2,80,06,322

INR 20,000

30 years

INR 1,34,60,385

INR 2,71,87,970


As we can see from the table above, ULIPs work best when you stay invested for longer. Funds that offer a higher interest rate can boost your corpus, allowing you to build up a significant amount even if you start with a small contribution amount. From this demonstration, we understand the power of compounding and the role ULIP plays in building long-term wealth.

Which Investor Class is Best Suited for Investments in a ULIP plan?

A ULIP plan is a good investment opportunity for you if you:

1

Have a Varying Risk Appetite

As an investor, you may not want to take very big risks or play it very safe. ULIPs are ideal for investors who are willing to take some chances. You can opt to invest in a balanced fund that has both equity and debt options. By doing this, you can enjoy high gains from equities while offsetting any losses against steady returns from your debt funds.

2

Have a Long-Term Financial Goal

Unit-Linked Insurance Plans work best when you stay invested for at least seven years or more. Ideally, investors can use ULIPs to save up for the down payment on a home or even to build a corpus for their child’s higher education or future expenses.

3

Are a Hands-On Investor

When you invest in a ULIP plan, you can choose the fund portfolio. If you’ve opted for balanced funds, you may want to move your allotment to include more equity funds when the market is performing well. Conversely, you may want to increase the debt fund allotment if the market is expected to slow down. You can choose how and when you want to switch your funds to maximise returns.

Types of ULIPs

Types of ULIPs based on the fund type

ULIPs are market-linked. But that does not mean the premium amounts are streamlined towards equity investments only. With ULIPs one can choose other financial instruments to invest in. funds they invest in.

Equity ULIPs for high-risk investors

Equity ULIPs

In equity ULIPs, part of the payments is used to purchase equity shares, usually of multiple companies. This direct investment in equity makes it significantly more risky than other ULIPs, as the price fluctuations of the shares can directly impact the investment corpus. However, because of the very same reason, the potential for gains is also higher. Hence, equity ULIPs are ideal for investors with a high risk appetite.

Debt ULIPs for conservative investors

Debt ULIPs

Investments made in debt ULIPs are directed towards debt instruments. This includes debentures, government bonds, corporate bonds, and fixed income bonds. These instruments pose low to moderate risk, making them a safer option. However, the returns from them are also moderate, and generally lesser than that of equity ULIPs.

ULIPS for Balanced & Stable investment option

Balanced funds ULIPs

To balance the risk to reward, some ULIPs offer the option to invest in equity as well as debt instruments. A portion of the fund is allocated to debt instruments with fixed interest rates and the rest is invested in equity. Doing so essentially lowers the overall risk factor of investing in only equity. This stabilizes the fund, resulting in reliable returns.

Liquid funds ULIPs for Short Term Investment plan

Liquid funds ULIPs

The credit rating for liquid funds ULIPs investments is often high, making them reliable options. It has a low risk factor and is ideal for investors looking for safer options. This type of ULIP invests the money in highly liquid market instruments such as certificates of deposit (CD) and treasury bills. Liquid funds ULIPs also have a short maturity period of only a few weeks to months. Hence, Liquid Fund ULIPs may be considered the best ULIP plans for achieving short-term financial goals.

Cash funds ULIPs

Cash funds ULIPs

Cash funds ULIPs invest in monetary funds invested in banks. These instruments are exceptionally low-risk. Consequently, the returns they provide are the least amongst all ULIP types. Investors that are very much risk-averse can choose to opt for cash funds ULIPs.

Types of ULIPs based on the plan structure

ULIPs can also be classified according to the structure of the payments, payouts and the type of goal they are expected to fund.

Regular v/s single premium ULIPs

Regular v/s single premium ULIPs

A regular premium ULIP requires the policyholder to make regular premium payments until the ULIP plan attains maturity. The interval of payment is often flexible. A single premium ULIP plan requires only a one-time premium payment at the time of purchase of policy.

Guaranteed v/s non-guaranteed ULIPs

Guaranteed v/s non-guaranteed ULIPs

Guaranteed ULIPs are focused on preserving the investor’s wealth while non-guaranteed ULIPs focus on wealth creation. Guaranteed ULIPs tend to provide stable returns over a long time while non-guaranteed ULIPs invest a bigger percentage of the premium into equity markets. Non-guaranteed ULIPs have the potential for higher returns, but come with greater risk.

ULIPs focused on different life stages

ULIPs focused on different life stages

ULIPs also come as life stage-based plans that invest in both equity and debt, as well as progressively add low-risk debt instruments as the investor ages. For younger investors, the plans often begin with more equity instruments to tap into high returns and build wealth. With time, the ULIPs aim for stable returns by lowering risk, positioning them among the best ULIP plans for long-term financial stability.

Benefits of ULIP Plans

Unit Linked Insurance Plans offer several benefits to its policyholders. Some of the key benefits provided by ULIP are listed below:

Maturity benefits with HDFC Life ULIPS

Maturity benefits

If a policyholder survives beyond the maturity period of the policy, he/she gets the accumulated fund as the maturity/survival benefit from the insurer. The amount paid as maturity benefits is equal to the fund value. The maturity benefits are exempted from tax under Section 10(10D).3

Get Death benefits with HDFC Life ULIPS

Death benefits

In the case of the unforeseen demise of the policyholder during the tenure of the policy, the death benefits are paid to the family member of the policyholder who is registered as the beneficiary. Tax benefits- The amount paid as a premium for ULIP plan is eligible for a tax deduction for a maximum of 1.5Lakhs during a year under section 80C of the Income Tax Act, 1961. Moreover, the maturity benefits received are exempted from tax under Section 10(10D)3.

ULIPS offer Long-term investment benefits

Long-term investment benefits

The longer the investment time horizon in the market, the more you are insulated from price fluctuations, making ULIPs the best plans for those seeking higher returns and better handling of market volatility. Investing in the market for the long term gives higher returns and helps you deal with market volatility. ULIP plan lets you invest in the market for the long term so that you get high returns on your investments. These benefits extend to non-resident Indians as well, with specific options like ULIP for NRI available to cater to their unique needs.

Get withdrawal Benefits with ULIPS

Withdrawal benefits

ULIP plan allows the partial withdrawal of funds to the investors in case of any emergencies. After a fixed time, investors can withdraw funds up to a certain limit to meet their fund requirements arising because of an emergency. 

Infographic Explaining Various Benefits of ULIP Plans Infographic Explaining Various Benefits of ULIP Plans

Role of ULIP Plan in Wealth Creation

ULIPs help you build wealth systematically over a long period. Let’s look at how a ULIP plan can help in wealth creation:

ULIPs offer flexible investment options

Flexible Investments

ULIPs enable investors to choose where their funds get invested. Apart from the initial allocation, you can switch funds during the investment to make the most of the market changes.

Tax benefits of investing in ULIPs

Tax Benefits

ULIPs provide tax benefits on the investment amount. The tax benefits under Section 80C of the Income Tax Act of 19613 allow you to invest and grow your money while minimising your tax burden.

Ulip allows Profitability

Profitability’s

When you invest in ULIPs, you gain access to multiple asset classes, allowing you to diversify your portfolio quickly. A diverse portfolio allows long-term wealth creation and profitability, making ULIPs a crucial financial tool.

ULIPS comes with 5 years lock-in-period

Lock-In Period

ULIPs come with a lock-in period of five years, ensuring you grow wealth over a longer time. Long-term investments provide better opportunities for growth and wealth creation.

Features of ULIP Plans

ULIP plans have a list of features that makes them the preferred investment option for the investor. Apart from the several tax benefits and the opportunity to increase your wealth over time, the life cover provided under ULIP plans acts as a safety net for the policyholder. Some of the important features of the best ULIP plans are listed below

1

Flexibility

The flexibility of switching between different funds has to be the key feature provided by the best ULIP plans. Based on your financial goals, market situation, and risk-taking ability you can switch between different funds to maximize your ULIP returns. Apart from the ability to switch, ULIPs provide the additional feature of partial withdrawals. After the lock-in period, an investor can withdraw a certain amount of money to meet their emergency fund requirements. This feature comes to aid when you are faced with unforeseen circumstances and are in dire need of money.    

2

Dual benefits

ULIP plan is a popular choice among investors. What makes it stand apart from the traditional investment avenues is its ability to combine the benefits of insurance and investment. While you are protected by financial security provided under life insurance, you can make high returns by investing in the market. Since the funds are managed by expert fund managers, you are less exposed to the volatility of the market. Moreover, you can decide the kind of investments you wish to make based on how much risk you are willing to take. You can always switch between the funds based on changing scenarios in the market.

3

Financial security

If you are willing to invest for the long term, ULIP plan makes a good investment choice. The investment time horizon plays a crucial role in getting high returns. Equities perform well over a long period. If you start early, you have the option of investing in aggressive ULIP plans which invest in the equities and with time you can move to the low-risk debt funds. The funds accumulated over the tenure of the policy can provide financial security post-retirement.

Features of ULIP Plans Features of ULIP Plans

How to Choose the Best ULIP Plan?

ULIP is one of the most sought-after investments options for individuals with a long-term financial plan for growing their wealth and ensuring the financial security of their family in case of untimely death. There are several ULIP plans available in the market. Here are some key factors to be kept in mind that would help you choose the best ULIP plan as per your financial disposition and risk appetite.

How to manage ULIP Funds?

You can opt to manage your ULIP in the following ways:
Self- Switching your ULIP

Self-Switching

If you’d like to manage the fund yourself, you can opt for self-switching. You can decide to change your premium allocation based on your investment portfolio, risk appetite and future financial goals. Most ULIP plan providers allow you to make a number of free switches during each policy year.

Opt for Automatic Switching

Automatic Switching

If you aren’t very comfortable managing your investment, you can opt for automatic switching. Here, professional fund managers will make switches based on the parameters you set when you purchase the policy.

Top-up your ULIP Investment

Investment Top-Ups

Another interesting way to increase your ULIP corpus is a top-up investment. Whenever you have additional savings, you can put more money into your ULIP plan. Ideally, investors choose this when their ULIP is already performing well and they’d like to take advantage of the situation to maximise their returns.

Steps to Buy ULIP Plan Online

Before you buy a ULIP plan you must understand the insurance and investment benefits offered by the product. ULIPs can be easily bought online in a hassle-free manner. Listed below are simple steps to be followed to buy ULIPs online.

1

Visit the official website.

2

Explore the multiple ULIP plans listed on the website and choose the one that aligns with your financial goals.

3

Select the tenure of the policy and the premium payment amount that suits you the best.

4

Proceed to the payments section.

5

Select the mode of payment such as net banking, credit card, debit card, online wallet, etc.

6

Make the payment and enjoy the benefits of your Unit Linked Insurance Plan.

Types of ULIP Charges

What are the various charges associated with ULIPs?

The charges associated with purchasing a ULIP plan are as follows:

 

  • Premium allocation charge

    Premium allocation charge is deducted from the premium amount before investing.

  • Fund management charges

    Fund management charges are capped at 1.35% by IRDAI, and they are different for every fund.

  • Policy administration charges

    Policy administration charges are payable monthly. The rate can remain fixed or increase at a predetermined rate.

  • Switching charges

    Switching charges may apply when a policyholder switches between fund options.

  • Mortality charges

    Mortality charges compensate the provider if the policyholder's calculated life expectancy is not met. They are levied monthly.

  • Surrender or discontinuation charges

    Surrender or discontinuation charges are levied for premature encashment of some/all units of the investment.

What is a ULIP Calculator?

A ULIP calculator is an online tool that helps investors estimate potential returns on Unit Linked Insurance Plans. Users input their investment amount, duration, expected return rate, and risk tolerance. The calculator then projects the investment's maturity value, considering market fluctuations and fund performance. By adjusting variables, users can visualize how different scenarios might affect their returns. ULIP calculators empower investors to make informed decisions about their financial future, providing a clearer picture of possible outcomes and make an informed decision on which ulip plans to select. These calculators serve as valuable resources for those navigating the complex world of ULIPs and seeking to optimize their investment strategies.

Why Should I Start Planning My Savings Now?

When it comes to saving and investment, the earlier you start the better. A smart savings plan allows you to put money away for a rainy day while building up a corpus to invest for the future. When you’re young, you have fewer financial liabilities and outgoings, which make it the best time to build up a significant amount. You can then invest your savings in instruments like ULIPs that allow you to grow your wealth for the future. To better understand the potential returns and benefits of ULIPs, you can use a ULIP Calculator to project your investments' growth over time. Your savings provide you with peace of mind since you build up an emergency fund and prepare yourself and your families for all future situations.

Things to Avoid When Investing in a ULIP Plans

When selecting a ULIP plan, you must avoid these six mistakes:

ULIPs and tax benefits

Only Thinking About Tax

ULIPs offer tax benefits under Section 80C and Section 10(10D) of the Income Tax Act. Many young policyholders select a ULIP plan simply because of these benefits. However, ULIPs only offer these benefits if you stay invested for at least five years. Additionally, choosing a policy based on tax benefits might not help you meet your future financial goals.

Evaluate your financial obligations

Opting for Low Life Coverage

Investors opt for ULIPs since they also provide life insurance coverage. While choosing your ULIP insurance plan, carefully evaluate your current and future financial obligations. Select a sum assured amount based on your current income and debts. You want the sum assured payout to help your family replace your lost income or pay for expenses if anything happens to you during the policy tenure.

Diversify your Investment portfolio

Putting All Your Eggs in One Basket

Some policyholders invest only in equities or one type of fund, hoping for good growth in the long run. However, market-linked returns can be volatile, so it’s best to diversify your portfolio and select funds based on your market knowledge and future financial goals. Choosing a mix of debt and equity options is often prudent.

Avoid missing the premium payments

Missing Premium Payments

Missing a ULIP payment could lead to a penalty and the risk of losing your insurance coverage. If you let the plan become inactive, you might not be able to fulfil your future financial goals.

Provide truthful information

Hiding Crucial Information

Since ULIPs offer life insurance, you must provide details about your lifestyle and medical history in your application form. Not providing truthful answers could lead to your policy getting cancelled later and your nominee’s claim request getting rejected.

ULIP charges

Not Checking the Charges

ULIPs come with premium allocation, fund management, and mortality charges. Before you purchase a ULIP plan, ensure you check the fees of each plan and select one that helps you fulfil your goals without pinching your pocket.

Which HDFC Life ULIP Plan Is Ideal for You?

At HDFC Life, we have several ULIP plans, so you can find one that best meets your financial needs. Let’s help you choose the best ULIP plan: