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RESUME APPLICATION PAY PREMIUM

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ULIP
What are ULIPS?
Why Invest in ULIPs
How Does A ULIP Plan Work?
Types of ULIP
Types based on the plan structure
How to Choose the Best ULIP Plans in India?
ULIP for Investors
Check ULIP Plans
Features of ULIP Plans
Benefits of ULIP Plans
ULIP for Wealth Creation
ULIP Calculator
Why Investment Returns are a Critical Factor?
Calculate Returns
Equity Funds
Debts Funds
Hybrid Funds
Plan your Savings
ULIP Charges
Claim Tax Benefit on ULIPs
Steps to Buy ULIP
ULIP Buying Guide
Things to Avoid
Myths About Investing in ULIPs
Ways to manage ULIP funds
ULIPs Simplified
Add-ons
ULIP Terminologies
FAQ's for ULIP
Talk to an Advisor
Customer Reviews
Articles on ULIP's

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Benchmark beating returns of 32.39%^**

In Unit Linked policies, the investment risk in investment portfolio is borne by the policyholder. ...Read More

ULIP - Unit Linked Insurance Plan

Name: Life Insurance Plans
Brand: HDFC Life
Rating: 4.8 (32546 reviews)

A Unit Linked Insurance Plan (ULIP) gives you the best of both worlds, insurance protection and investment growth. ...Read More

Benchmark beating returns of 32.39% **

Boost Your Wealth and Shield Your Future with HDFC Life Sampoorn Nivesh Plus.

Dive into Our ULIP Selection

Life coverage is available
Past 5 year returns of 32.39%^~
Save tax up to Rs.46,800/-¹⁰
Multiple fund options

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Unit Linked Insurance Plans

New: HDFC Life's Top 300 Alpha 50 Fund in HDFC Life Sampoorn Nivesh Plus. A winning formula for compounding long-term growth. Explore Fund. New: HDFC Life's Top 300 Alpha 50 Fund in HDFC Life Sampoorn Nivesh Plus. A winning formula for compounding long-term growth. Explore Fund.

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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What are ULIPs (Unit Linked Insurance Plans)?

ULIP full form is Unit Linked Insurance Plan, a financial product that combines life insurance coverage with market-linked investments. A portion of the premium goes toward life insurance, ensuring financial security for beneficiaries in case of an unfortunate event, while the remaining amount is invested in market-linked funds such as equities, debt instruments, and money markets. Returns depend on fund performance and market conditions.

ULIPs offer flexibility in choosing an investment mix based on risk tolerance and financial goals. Policyholders can also switch between funds, allowing them to adjust their portfolio as needed. This dual-benefit product provides both wealth creation and life protection, with customization options to decide how much of the premium goes toward insurance versus investment.

One of the key advantages of ULIPs is their potential for long-term growth with market-linked returns. They also offer tax benefits under Section 80C³ and Section 10(10D)³, making them a tax-efficient financial planning tool.

To make informed decisions, tools like a ULIP calculator help determine the optimal coverage and investment allocation based on financial goals. With its integrated approach, a ULIP empowers individuals to secure their financial future, ensuring both protection and disciplined wealth accumulation in a single, flexible plan.

What Are Unit Linked Insurance Plans (ULIPs)?

Why Invest in ULIPs?

There are several benefits of investing in ULIPs. Here are the top six reasons behind why you should consider investing in ULIPs:

Premium Redirection

With the premium redirection option, you can choose to invest your future premiums in different funds while keeping your previous premiums in the fund you originally selected. This means you can adjust your future investments without affecting the returns from your past contributions.

Switching Funds

With a ULIP (Unit Linked Insurance Plan), investors can switch between funds based on market conditions to align investment strategies with desired goals. The risk tolerance of each policyholder plays an important role in this decision. For those comfortable with higher risk, equity funds may be suitable, while debt funds are a better choice for those seeking lower risk. Adjustments can be made throughout the year after gaining a good understanding of the market.

Top up Plan

As your lifestyle and income change, your financial goals and objectives also change. To stay on track of your financial goals, you can choose to invest more in a ULIP. These plans provide the top-up option where a policyholder can invest more money in an existing plan during the policy tenure.

Lock-in Period Withdrawal Facility

ULIPs usually have a lock-in period lasting for 5 years. Unlike other tax-saving investment schemes that restrict premature withdrawals, ULIPs allow you to exit during the lock-in period. This kind of option lets you stay financially prepared during times of emergency.

How Does A ULIP Plan Work?

ULIP plans split premiums into two parts: one for life cover, ensuring financial security for loved ones, and the other for investment growth. Experienced fund managers offer guidance in choosing suitable funds, making it easier to align investments with financial goals while securing a stable future.

What are the 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 Best ULIP Plans one can choose other financial instruments to invest in.

ULIP Type	Description
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	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.
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	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 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.

What are the 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

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 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 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.

How to Choose the Best ULIP Plans in India?

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.

Decide your goals

It is crucial to analyse your investment goals before you finalize the best ULIP plan in India you wish to buy. Multiple fund options to choose from allow the investors to research and analyse their investment horizon and insurance goals to zero in on the best plan. Whether to go for equity investing aggressive ULIP plan or a conservative plan that invests in low-risk debt funds depends on the financial goals of the investor.

Identify the insurance objectives

Have clarity on your investment and insurance objectives

Identify the insurance objectives

ULIP plan is a long-term investment hence you should identify your insurance objectives and choose the plan that helps fulfill them. To get the maximum from a Unit Linked Insurance Plan you plan to buy, it is imperative to understand different ULIP plans. Clarity of investment and insurance objectives plays a vital role in choosing the plan that aligns with your financial goals and provides financial security to the family in case of the policyholder’s untimely death.

Understand the features and benefits

See through the pros and cons of different plans

Understand the features and benefits

Different ULIP plans offer different features and benefits. One should be well-versed with the features and benefits offered by the ULIP plans available in the market to choose the one that helps meet their financial goals. If you have a clear understanding of the pros and cons of different ULIP plans, it becomes easier to choose the one that suits your requirements.

Individual Death Claim Settlement Ratio

Individual Death Claim Settlement Ratio

A crucial factor to consider while choosing a ULIP plan is the claim settlement ratio of the insurance company. The claim settlement ratio denotes the percentage of claims settled by a company out of the total claims received. Insurers with a high percentage are more likely to settle your beneficiary’s claim request, making them more reliable. HDFC Life’s individual death claim settlement ratio was 99.50%^##in 2023-2024.

Solvency Ratio

The solvency ratio indicates whether an insurance company can honour claims in the future. The higher the ratio, the better. Most companies aim for a solvency ratio of at least 1.5. As per press release on half yearly performance ended December 31, 2024, HDFC Life’s solvency ratio was 1.88 as on December 31, 2024¹⁰

Who should invest in a ULIP Plan?

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

Have a Varying Risk Appetite

Investors may navigate between taking big risks and playing it safe. For those seeking a balanced approach, Unit-Linked Insurance Plans (ULIPs) offer a viable option. These plans suit individuals willing to take some chances. Choosing a balanced fund that combines both equity and debt options allows for potential high gains from equities while steady returns from debt funds can help offset any losses.

Have a Long-Term Financial Goal

ULIPs are most effective with a long term Investment perspective. Staying invested for at least seven years is advisable. These plans serve as excellent tools for saving toward important milestones, whether for a down payment on a new home or building a fund for a child’s higher education or future expenses. Saving schemes such as ULIPs give you the benefit of long term savings and market linked wealth creation.

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.

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 Click2Invest

UIN: 101L178V01

A plan that helps you grow your investments without compromising your family’s security.

UIN: 101L178V01

A plan that helps you grow your investments without compromising your family’s security.

Key Features*
- Choose from 10 fund options to match your investment preferences.
- Get fund value at maturity or in periodical installments based on your needs¹.
- Enjoy Tax Benefits under Section 80C and Section 10(10D)³.
- Choose from 10 fund options to match your investment preferences.
- Get fund value at maturity or in periodical installments based on your needs¹.
- Enjoy Tax Benefits under Section 80C and Section 10(10D)³.
CALCULATE PREMIUM CALCULATE PREMIUM Explore Plan

ULIP Plan
In Unit Linked policies, the investment risk in investment portfolio is borne by the policyholder...

In Unit Linked policies, the investment risk in 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 policyholder will not be able to surrender or withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.

HDFC Life Smart Protect Plan

UIN: 101L175V07

A Unit Linked Non-Participating Individual Life Insurance Savings Plan that addresses your long-term savings needs and also provides you protection in the form of a life cover.

UIN: 101L175V07

A Unit Linked Non-Participating Individual Life Insurance Savings 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
CALCULATE PREMIUM CALCULATE PREMIUM Explore Plan

ULIP Plan
In Unit Linked policies, the investment risk in investment portfolio is borne by the policyholder...

In Unit Linked policies, the investment risk in 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 policyholder will not be able to surrender or withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.

HDFC Life Sampoorn Nivesh Plus

UIN: 101L180V01

A Unit Linked Non-Participating Individual Life Insurance Savings Plan with loyalty additions and multiple fund options to help you optimize your investment.

UIN: 101L180V01

A Unit Linked Non-Participating Individual Life Insurance Savings Plan with loyalty additions and multiple fund options to help you optimize your investment.

Key Features*
- Choose from 11 Funds to optimize your investment returns
- Customize your premium payment options – Single, Limited or Regular
- Choose from 5 convenient Benefit options to customize your payouts
- Choose from 11 Funds to optimize your investment returns
- Customize your premium payment options – Single, Limited or Regular
- Choose from 5 convenient Benefit options to customize your payouts
CALCULATE PREMIUM CALCULATE PREMIUM Explore Plan

ULIP Plan
In Unit Linked policies, the investment risk in investment portfolio is borne by the policyholder...

In Unit Linked policies, the investment risk in 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 policyholder will not be able to surrender or withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.

HDFC Life Click 2 Wealth

UIN: 101L133V03

A Unit Linked Non-Participating Individual Life Insurance Savings Plan that provides dual advantage of market-linked returns along with financial protection

UIN: 101L133V03

A Unit Linked Non-Participating Individual Life Insurance Savings Plan that provides 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 17 Funds to maximize your investment
- Enjoy unlimited free Switching option
- Opt for systematic withdrawal from your funds for post retirement income
- Choose from 17 Funds to maximize your investment
CALCULATE PREMIUM CALCULATE PREMIUM Explore Plan

ULIP Plan

What are the 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 benefits³ 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 in India are listed below.

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. It's wise to consult a insurance advisor to make better decisions about fund switches and all other benefits. 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.

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.

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.

What are the 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

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

Death benefits

In the case of the unforeseen demise of the policyholder during the tenure of the policy, the death benefits⁶ are paid to the family member of the policyholder who is registered as the beneficiary. Tax benefits³- 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.

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.

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

What is the 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:

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

ULIPs provide tax benefits³ on the investment amount. The tax benefits³ under Section 80C of the Income Tax Act of 1961³ allow you to invest and grow your money while minimising your tax burden.

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.

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.

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 Investment Returns are a Critical Factor?

Optimizing your ULIP's investment returns is essential for building long-term wealth and securing your financial future. In a ULIP, market-linked returns are the engine that drives your fund's growth, helping you achieve significant gains over time. Higher returns can amplify your savings, providing you with the financial flexibility to meet future goals such as retirement, education, or major life milestones. Selecting a ULIP with strong growth potential is key to ensuring that your investment works hard for you. To explore the best ULIP options and find the plan that aligns with your financial aspirations, click the tabs below.

Click to check out 1 crore term insurance

1 Crore ULIP

Starting at Rs.810/day^*

Buy Now

80 Lakh ULIP

Starting at Rs.668/day^*

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50 Lakh ULIP

Starting at Rs.388/day^*

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30 Lakh ULIP

Starting at Rs.247/day^*

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20 Lakh ULIP

Starting at Rs.172/day^*

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10 Lakh ULIP

Starting at Rs.87/day^*

Buy Now

Explore Plan

ARN - MC/02/25/21389

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.

HDFC Life Smart Protect Plan Fund Performance

List of Funds available with this product

Equity Funds

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Diversified Equity Fund

ULIF05501/08/13DivrEqtyFd101

NAV

41.4054

2025-06-12

52 wk High

2024-09-26

43.7491

52 wk Low

2025-03-04

36.5195

*HDFC Fund Performance 2.37%

i *Market Benchmark 2.23%

+0.20%

-0.20%

NAV

41.4054

2025-06-12

52 wk High

2024-09-26

43.7491

52 wk Low

2025-03-04

36.5195

*HDFC Fund Performance 9.48%

i *Market Benchmark 9.13%

+0.20%

-0.20%

NAV

41.4054

2025-06-12

52 wk High

2024-09-26

43.7491

52 wk Low

2025-03-04

36.5195

*HDFC Fund Performance 15.77%

i *Market Benchmark 15.38%

+0.20%

-0.20%

NAV

41.4054

2025-06-12

52 wk High

2024-09-26

43.7491

52 wk Low

2025-03-04

36.5195

*HDFC Fund Performance 21.94%

i *Market Benchmark 21.75%

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Discovery Fund

ULIF06618/01/18DiscvryFnd101

NAV

41.1479

2025-06-12

52 wk High

2024-09-24

42.0781

52 wk Low

2025-02-28

34.5476

*HDFC Fund Performance 5.82%

i *Market Benchmark 6.09%

+0.20%

-0.20%

NAV

41.1479

2025-06-12

52 wk High

2024-09-24

42.0781

52 wk Low

2025-02-28

34.5476

*HDFC Fund Performance 13.92%

i *Market Benchmark 11.05%

+0.20%

-0.20%

NAV

41.1479

2025-06-12

52 wk High

2024-09-24

42.0781

52 wk Low

2025-02-28

34.5476

*HDFC Fund Performance 23.83%

i *Market Benchmark 26.62%

+0.20%

-0.20%

NAV

41.1479

2025-06-12

52 wk High

2024-09-24

42.0781

52 wk Low

2025-02-28

34.5476

*HDFC Fund Performance 34.59%

i *Market Benchmark 34.04%

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Equity Advantage Fund

ULIF06723/03/18EqtyAdvtFd101

NAV

28.0216

2025-06-12

52 wk High

2024-09-26

29.7599

52 wk Low

2025-02-28

24.3917

*HDFC Fund Performance 3.20%

i *Market Benchmark 2.54%

+0.20%

-0.20%

NAV

28.0216

2025-06-12

52 wk High

2024-09-26

29.7599

52 wk Low

2025-02-28

24.3917

*HDFC Fund Performance 9.33%

i *Market Benchmark 7.70%

+0.20%

-0.20%

NAV

28.0216

2025-06-12

52 wk High

2024-09-26

29.7599

52 wk Low

2025-02-28

24.3917

*HDFC Fund Performance 18.23%

i *Market Benchmark 16.12%

+0.20%

-0.20%

NAV

28.0216

2025-06-12

52 wk High

2024-09-26

29.7599

52 wk Low

2025-02-28

24.3917

*HDFC Fund Performance 24.49%

i *Market Benchmark 22.70%

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Sustainable Equity Fund

ULIF07019/07/21SustnblEqF101

NAV

14.1754

2025-06-12

52 wk High

2024-09-27

15.375

52 wk Low

2025-04-07

12.6074

*HDFC Fund Performance 2.39%

i *Market Benchmark 2.97%

+0.20%

-0.20%

NAV

14.1754

2025-06-12

52 wk High

2024-09-27

15.375

52 wk Low

2025-04-07

12.6074

*HDFC Fund Performance 8.83%

i *Market Benchmark 9.80%

+0.20%

-0.20%

NAV

14.1754

2025-06-12

52 wk High

2024-09-27

15.375

52 wk Low

2025-04-07

12.6074

*HDFC Fund Performance 14.32%

i *Market Benchmark 14.16%

+0.20%

-0.20%

NAV

14.1754

2025-06-12

52 wk High

2024-09-27

15.375

52 wk Low

2025-04-07

12.6074

*HDFC Fund Performance N.A.

i *Market Benchmark N.A.

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Flexi Cap Fund

ULIF07114/07/23FlexiCapFd101

NAV

15.1093

2025-06-12

52 wk High

2024-09-26

15.9839

52 wk Low

2025-02-28

13.2028

*HDFC Fund Performance 3.13%

i *Market Benchmark 3.50%

+0.20%

-0.20%

NAV

15.1093

2025-06-12

52 wk High

2024-09-26

15.9839

52 wk Low

2025-02-28

13.2028

*HDFC Fund Performance 9.49%

i *Market Benchmark 8.05%

+0.20%

-0.20%

NAV

15.1093

2025-06-12

52 wk High

2024-09-26

15.9839

52 wk Low

2025-02-28

13.2028

*HDFC Fund Performance N.A.

i *Market Benchmark N.A.

+0.20%

-0.20%

NAV

15.1093

2025-06-12

52 wk High

2024-09-26

15.9839

52 wk Low

2025-02-28

13.2028

*HDFC Fund Performance N.A.

i *Market Benchmark N.A.

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Midcap Momentum Fund

ULIF07317/01/24MidCpMoIdx101

NAV

11.198

2025-06-12

52 wk High

2024-09-24

12.4139

52 wk Low

2025-03-13

9.2193

*HDFC Fund Performance 5.29%

i *Market Benchmark 5.59%

+0.20%

-0.20%

NAV

11.198

2025-06-12

52 wk High

2024-09-24

12.4139

52 wk Low

2025-03-13

9.2193

*HDFC Fund Performance 0.42%

i *Market Benchmark 1.69%

+0.20%

-0.20%

NAV

11.198

2025-06-12

52 wk High

2024-09-24

12.4139

52 wk Low

2025-03-13

9.2193

*HDFC Fund Performance N.A.

i *Market Benchmark N.A.

+0.20%

-0.20%

NAV

11.198

2025-06-12

52 wk High

2024-09-24

12.4139

52 wk Low

2025-03-13

9.2193

*HDFC Fund Performance N.A.

i *Market Benchmark N.A.

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Capital Growth Fund

ULIF06301/04/15CapGrwthFd101

NAV

28.0937

2025-06-12

52 wk High

2024-09-27

32.593

52 wk Low

2025-02-28

25.6107

*HDFC Fund Performance 4.14%

i *Market Benchmark 2.23%

+0.20%

-0.20%

NAV

28.0937

2025-06-12

52 wk High

2024-09-27

32.593

52 wk Low

2025-02-28

25.6107

*HDFC Fund Performance 0.67%

i *Market Benchmark 9.13%

+0.20%

-0.20%

NAV

28.0937

2025-06-12

52 wk High

2024-09-27

32.593

52 wk Low

2025-02-28

25.6107

*HDFC Fund Performance 11.07%

i *Market Benchmark 15.38%

+0.20%

-0.20%

NAV

28.0937

2025-06-12

52 wk High

2024-09-27

32.593

52 wk Low

2025-02-28

25.6107

*HDFC Fund Performance 19.32%

i *Market Benchmark 21.75%

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Nifty Alpha 30 Fund

ULIF07528/05/24AlphaIdxFd101

NAV

8.5463

2025-06-12

52 wk High

2024-08-30

10.1633

52 wk Low

2025-02-28

7.115

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Top 500 Momentum 50 Fund

ULIF07616/10/24Top500MoFd101

NAV

9.164

2025-06-12

52 wk High

2024-12-16

10.4758

52 wk Low

2025-04-07

7.5498

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* Data as of 31st May 2025. 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 31st May 2025. Past Performance is not indicative of future performance of the fund.

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Diversified Equity Fund

ULIF05501/08/13DivrEqtyFd101

NAV

41.4054

2025-06-12

52 wk High

2024-09-26

43.7491

52 wk Low

2025-03-04

36.5195

*HDFC Fund Performance

i *Market Benchmark

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Discovery Fund

ULIF06618/01/18DiscvryFnd101

NAV

41.1479

2025-06-12

52 wk High

2024-09-24

42.0781

52 wk Low

2025-02-28

34.5476

*HDFC Fund Performance

i *Market Benchmark

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Equity Advantage Fund

ULIF06723/03/18EqtyAdvtFd101

NAV

28.0216

2025-06-12

52 wk High

2024-09-26

29.7599

52 wk Low

2025-02-28

24.3917

*HDFC Fund Performance

i *Market Benchmark

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Sustainable Equity Fund

ULIF07019/07/21SustnblEqF101

NAV

14.1754

2025-06-12

52 wk High

2024-09-27

15.375

52 wk Low

2025-04-07

12.6074

*HDFC Fund Performance

i *Market Benchmark

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Flexi Cap Fund

ULIF07114/07/23FlexiCapFd101

NAV

15.1093

2025-06-12

52 wk High

2024-09-26

15.9839

52 wk Low

2025-02-28

13.2028

*HDFC Fund Performance

i *Market Benchmark

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Midcap Momentum Fund

ULIF07317/01/24MidCpMoIdx101

NAV

11.198

2025-06-12

52 wk High

2024-09-24

12.4139

52 wk Low

2025-03-13

9.2193

*HDFC Fund Performance

i *Market Benchmark

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Capital Growth Fund

ULIF06301/04/15CapGrwthFd101

NAV

28.0937

2025-06-12

52 wk High

2024-09-27

32.593

52 wk Low

2025-02-28

25.6107

*HDFC Fund Performance

i *Market Benchmark

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Nifty Alpha 30 Fund

ULIF07528/05/24AlphaIdxFd101

NAV

8.5463

2025-06-12

52 wk High

2024-08-30

10.1633

52 wk Low

2025-02-28

7.115

*HDFC Fund Performance

i *Market Benchmark

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Top 500 Momentum 50 Fund

ULIF07616/10/24Top500MoFd101

NAV

9.164

2025-06-12

52 wk High

2024-12-16

10.4758

52 wk Low

2025-04-07

7.5498

*HDFC Fund Performance

i *Market Benchmark

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

* Data as of 31st May 2025. Past Performance is not indicative of future performance of the fund.

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Debts Funds

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Bond Fund

ULIF05601/08/13Bond Funds101

NAV

21.2075

2025-06-12

52 wk High

2025-05-28

21.3863

52 wk Low

2024-06-13

19.4562

*HDFC Fund Performance 0.85%

i *Market Benchmark 0.93%

+0.20%

-0.20%

NAV

21.2075

2025-06-12

52 wk High

2025-05-28

21.3863

52 wk Low

2024-06-13

19.4562

*HDFC Fund Performance 10.28%

i *Market Benchmark 10.42%

+0.20%

-0.20%

NAV

21.2075

2025-06-12

52 wk High

2025-05-28

21.3863

52 wk Low

2024-06-13

19.4562

*HDFC Fund Performance 7.68%

i *Market Benchmark 8.68%

+0.20%

-0.20%

NAV

21.2075

2025-06-12

52 wk High

2025-05-28

21.3863

52 wk Low

2024-06-13

19.4562

*HDFC Fund Performance 5.44%

i *Market Benchmark 6.54%

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

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* Data as of 31st May 2025. 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 31st May 2025. Past Performance is not indicative of future performance of the fund.

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Bond Fund

ULIF05601/08/13Bond Funds101

NAV

21.2075

2025-06-12

52 wk High

2025-05-28

21.3863

52 wk Low

2024-06-13

19.4562

*HDFC Fund Performance

i *Market Benchmark

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

* Data as of 31st May 2025. Past Performance is not indicative of future performance of the fund.

Hybrid Funds

View All

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Capital Secure Fund

ULIF06401/04/15CapSecFund101

NAV

15.623

2025-06-12

52 wk High

2025-05-28

15.76

52 wk Low

2024-06-13

14.446

*HDFC Fund Performance 0.79%

i *Market Benchmark 0.93%

+0.20%

-0.20%

NAV

15.623

2025-06-12

52 wk High

2025-05-28

15.76

52 wk Low

2024-06-13

14.446

*HDFC Fund Performance 9.28%

i *Market Benchmark 10.42%

+0.20%

-0.20%

NAV

15.623

2025-06-12

52 wk High

2025-05-28

15.76

52 wk Low

2024-06-13

14.446

*HDFC Fund Performance 6.95%

i *Market Benchmark 8.68%

+0.20%

-0.20%

NAV

15.623

2025-06-12

52 wk High

2025-05-28

15.76

52 wk Low

2024-06-13

14.446

*HDFC Fund Performance 4.69%

i *Market Benchmark 6.54%

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Dynamic Advantage Fund

ULIF08028/02/25DynamicFnd101

NAV

10.7071

2025-06-12

52 wk High

2025-06-09

10.7871

52 wk Low

2025-04-07

9.7829

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* Data as of 31st May 2025. 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 31st May 2025. Past Performance is not indicative of future performance of the fund.

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Capital Secure Fund

ULIF06401/04/15CapSecFund101

NAV

15.623

2025-06-12

52 wk High

2025-05-28

15.76

52 wk Low

2024-06-13

14.446

*HDFC Fund Performance

i *Market Benchmark

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Dynamic Advantage Fund

ULIF08028/02/25DynamicFnd101

NAV

10.7071

2025-06-12

52 wk High

2025-06-09

10.7871

52 wk Low

2025-04-07

9.7829

*HDFC Fund Performance

i *Market Benchmark

+0.20%

-0.20%

1 Month
1 Year
3 Years
5 Years

* Data as of 31st May 2025. Past Performance is not indicative of future performance of the fund.

Search results for “HDFC Life Smart Protect Plan”

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Equity
Debts
Hybrid

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Diversified Equity Fund

ULIF05501/08/13DivrEqtyFd101

Equity

NAV

41.4054

2025-06-12

52 wk High

2024-09-26

43.7491

52 wk Low

2025-03-04

36.5195

*HDFC Fund Performance 21.94%

i *Market Benchmark 21.75%

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Bond Fund

ULIF05601/08/13Bond Funds101

Debts

NAV

21.2075

2025-06-12

52 wk High

2025-05-28

21.3863

52 wk Low

2024-06-13

19.4562

*HDFC Fund Performance 5.44%

i *Market Benchmark 6.54%

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Discovery Fund

ULIF06618/01/18DiscvryFnd101

Equity

NAV

41.1479

2025-06-12

52 wk High

2024-09-24

42.0781

52 wk Low

2025-02-28

34.5476

*HDFC Fund Performance 34.59%

i *Market Benchmark 34.04%

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Equity Advantage Fund

ULIF06723/03/18EqtyAdvtFd101

Equity

NAV

28.0216

2025-06-12

52 wk High

2024-09-26

29.7599

52 wk Low

2025-02-28

24.3917

*HDFC Fund Performance 24.49%

i *Market Benchmark 22.70%

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Sustainable Equity Fund

ULIF07019/07/21SustnblEqF101

Equity

NAV

14.1754

2025-06-12

52 wk High

2024-09-27

15.375

52 wk Low

2025-04-07

12.6074

*HDFC Fund Performance N.A.

i *Market Benchmark N.A.

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Flexi Cap Fund

ULIF07114/07/23FlexiCapFd101

Equity

NAV

15.1093

2025-06-12

52 wk High

2024-09-26

15.9839

52 wk Low

2025-02-28

13.2028

*HDFC Fund Performance N.A.

i *Market Benchmark N.A.

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Midcap Momentum Fund

ULIF07317/01/24MidCpMoIdx101

Equity

NAV

11.198

2025-06-12

52 wk High

2024-09-24

12.4139

52 wk Low

2025-03-13

9.2193

*HDFC Fund Performance N.A.

i *Market Benchmark N.A.

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Capital Growth Fund

ULIF06301/04/15CapGrwthFd101

Equity

NAV

28.0937

2025-06-12

52 wk High

2024-09-27

32.593

52 wk Low

2025-02-28

25.6107

*HDFC Fund Performance 19.32%

i *Market Benchmark 21.75%

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Capital Secure Fund

ULIF06401/04/15CapSecFund101

Hybrid

NAV

15.623

2025-06-12

52 wk High

2025-05-28

15.76

52 wk Low

2024-06-13

14.446

*HDFC Fund Performance 4.69%

i *Market Benchmark 6.54%

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Nifty Alpha 30 Fund

ULIF07528/05/24AlphaIdxFd101

Equity

NAV

8.5463

2025-06-12

52 wk High

2024-08-30

10.1633

52 wk Low

2025-02-28

7.115

Share this information

Top 500 Momentum 50 Fund

ULIF07616/10/24Top500MoFd101

Equity

NAV

9.164

2025-06-12

52 wk High

2024-12-16

10.4758

52 wk Low

2025-04-07

7.5498

Share this information

Dynamic Advantage Fund

ULIF08028/02/25DynamicFnd101

Hybrid

NAV

10.7071

2025-06-12

52 wk High

2025-06-09

10.7871

52 wk Low

2025-04-07

9.7829

Share this information

Diversified Equity Fund

ULIF05501/08/13DivrEqtyFd101

NAV

41.4054

2025-06-12

52 wk High

2024-09-26

43.7491

52 wk Low

2025-03-04

36.5195

*HDFC Fund Performance 21.94%

i *Market Benchmark 21.75%

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Discovery Fund

ULIF06618/01/18DiscvryFnd101

NAV

41.1479

2025-06-12

52 wk High

2024-09-24

42.0781

52 wk Low

2025-02-28

34.5476

*HDFC Fund Performance 34.59%

i *Market Benchmark 34.04%

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Equity Advantage Fund

ULIF06723/03/18EqtyAdvtFd101

NAV

28.0216

2025-06-12

52 wk High

2024-09-26

29.7599

52 wk Low

2025-02-28

24.3917

*HDFC Fund Performance 24.49%

i *Market Benchmark 22.70%

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

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Sustainable Equity Fund

ULIF07019/07/21SustnblEqF101

NAV

14.1754

2025-06-12

52 wk High

2024-09-27

15.375

52 wk Low

2025-04-07

12.6074

*HDFC Fund Performance N.A.

i *Market Benchmark N.A.

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Flexi Cap Fund

ULIF07114/07/23FlexiCapFd101

NAV

15.1093

2025-06-12

52 wk High

2024-09-26

15.9839

52 wk Low

2025-02-28

13.2028

*HDFC Fund Performance N.A.

i *Market Benchmark N.A.

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Midcap Momentum Fund

ULIF07317/01/24MidCpMoIdx101

NAV

11.198

2025-06-12

52 wk High

2024-09-24

12.4139

52 wk Low

2025-03-13

9.2193

*HDFC Fund Performance N.A.

i *Market Benchmark N.A.

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Capital Growth Fund

ULIF06301/04/15CapGrwthFd101

NAV

28.0937

2025-06-12

52 wk High

2024-09-27

32.593

52 wk Low

2025-02-28

25.6107

*HDFC Fund Performance 19.32%

i *Market Benchmark 21.75%

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Nifty Alpha 30 Fund

ULIF07528/05/24AlphaIdxFd101

NAV

8.5463

2025-06-12

52 wk High

2024-08-30

10.1633

52 wk Low

2025-02-28

7.115

Share this information

Top 500 Momentum 50 Fund

ULIF07616/10/24Top500MoFd101

NAV

9.164

2025-06-12

52 wk High

2024-12-16

10.4758

52 wk Low

2025-04-07

7.5498

Share this information

Bond Fund

ULIF05601/08/13Bond Funds101

NAV

21.2075

2025-06-12

52 wk High

2025-05-28

21.3863

52 wk Low

2024-06-13

19.4562

*HDFC Fund Performance 5.44%

i *Market Benchmark 6.54%

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Capital Secure Fund

ULIF06401/04/15CapSecFund101

NAV

15.623

2025-06-12

52 wk High

2025-05-28

15.76

52 wk Low

2024-06-13

14.446

*HDFC Fund Performance 4.69%

i *Market Benchmark 6.54%

+0.10%

-0.20%

1 Month
1 Year
3 Years
5 Years

Share this information

Dynamic Advantage Fund

ULIF08028/02/25DynamicFnd101

NAV

10.7071

2025-06-12

52 wk High

2025-06-09

10.7871

52 wk Low

2025-04-07

9.7829

Policy Discontinued Fund - Pension

17.09.2020

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* Data as of 31st May 2025. Past Performance is not indicative of future performance of the fund.

*Data as of 20th October, 2020. Past Performance is not indicative of future performance of the fund.

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 ULIP, 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.

What are the 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 is deducted from the premium amount before investing.
Fund management charges are capped at 1.35% and they are different for every fund.
Policy administration charges are payable monthly. The rate can remain fixed or increase at a predetermined rate.
Switching charges may apply when a policyholder switches between fund options.
Mortality charges compensate the provider if the policyholder's calculated life expectancy is not met. They are levied monthly.
Surrender or discontinuation charges are levied for premature encashment of some/all units of the investment.

How to Claim Tax Benefit on ULIPs?

A ULIP is a financial instrument that provides the dual benefit of comprehensive life coverage and wealth growth. Additionally, a policyholder can avail various ULIP tax benefits. A ULIP plan offers the following tax benefits:

Tax Benefits on ULIP Premiums

You can claim deductions of up to Rs. 1.5 Lakh every year on premiums applicable under Section 80C³ of the Income Tax Act of 1961, subject to the availability of terms and conditions

Tax Benefits on Maturity Amount

Maturity benefits existing under the ULIP policy are exempted under Section 10(10D)³ of the Income Tax Act, 1961.

Tax-Free Payout

The life coverage amount paid out to the nominee under certain unfortunate incidents is subject to tax exemption under Section 10(10D)³ of the Income Tax Act. This thereby ensures complete payout to families and financial support during times of need.

What are the 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.

Visit the official website.

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

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

Proceed to the payments section.

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

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

ULIP Plan Buying Guide

1 How Will A ULIP Plan From HDFC Life Help Me?

When you opt to purchase a ULIP plan from HDFC Life, you’re securing not just your financial future but your family’s future as well. Apart from providing life cover, these plans also allow you to choose how to invest your money. You can opt to invest in different funds that invests in equity or debt funds or a mix of both based on your risk appetite.

Buy Online

2 Who Should Buy a ULIP Plan?

A ULIP plan can be a great addition to a portfolio. However, whether or not one should buy a ULIP depends on the investor themselves and their requirements. One can opt for a ULIP plan if one has:

1. Difficulty managing multiple investments directed towards different goals

To build an effective savings plan, it is important to invest in the right instruments and mutual funds across multiple asset classes. This holds especially true while investing in stocks and mutual funds because if a stock crashes or a certain fund underperforms for a while, the capital invested should not be lost. The idea essentially is to not keep all the eggs in one basket. An investment portfolio with diverse instruments is protected against any unprecedented market action resulting in unfavourable price action.

Finding the right mutual fund is not an easy task. Investors, especially beginners, may overlook some aspects of a scheme, such as performance history and risk-adjusted returns.

Moreover, mutual funds do not come with lock-in periods which eliminates the need to commit regular payments. This often results in a premature exit from the investment to channel funds for immediate and less important requirements. It is not conducive for long-term goals which require a more disciplined approach.

Keeping track of all investments over the years, including keeping the life insurance cover and charges in perspective, can prove to be difficult. ULIPs provide the benefit of investing in a diverse mix of instruments while providing life cover.

A ULIP plan offers more features than a standard life insurance policy. Most people have a protection plan in place, such as an insurance term plan, to insure themselves and their families. However, the benefit received from life insurance may come at a time where the long-term goals of the family are much later in the future. In such a case, the onus to manage the sum rests on the family. ULIPs offer a 'waiver of premium' feature that helps the policyholder ensure that their family receives funds at the time of a major financial requirement such as at the time of college admissions, or weddings. ULIPs with annuity plans

2. Long-term goals to finance

ULIPs generally have a lock-in period of 5 years. After these 5 years, the various charges associated with the policy are amortized. This means that the charges are capped at a lower percentage. Charges associated with ULIPs with a maturity period of 10 years or less are capped at 3%. In case of ULIPs with a term of more than 10 years, total charges are capped at 2.25%. Out of this, the fund management charges are capped at only 1.35%. This encourages investments for a longer term.

Either way, ULIPs generate the most value in long-term, over 15 to 20 years. This is due to the power of compound interest at play, with the aim of capital appreciation over a long period of time. By holding a ULIP plan, investors can save regularly towards future financial goals such as children’s education, their wedding, purchase of a new home, or retirement income. There is also the option for partial withdrawal if there is an important and absolute requirement, making ULIP a safebox for the investor’s wealth.

Moreover, ULIPs may come with the option of top-up premiums. These additional investments have charges of only 1-2%, which is lower than the charges levied on regular premiums payments. This would mean that top-ups allow for holding more units for lesser investment, effectively decreasing the average cost of ownership of each unit. Investing more in the same ULIP plan minimizes the charges associated with a new policy. Top-up payments also increase the insurance cover, hence providing an added benefit for investing more.

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3 Why You Might Like To Combine Insurance And Investment In A ULIP Plan?

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.

Even the best investments will not help on premature demise

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.

Insurance provides perfect support when you need it most

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 fulfill 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.

Life cover fills the gap between the haves and the desired

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, ULIP Plans 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.

Life insurance helps explore higher risk, higher growth investments

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.

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4 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.

1. Ensures goal Protection

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.

2. Provides incentives to stay invested

When you start long-term investments with an ULIP plan, 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.

3. Helps ride out short-term turbulence

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 ULIP plans ensure that your short term emergencies don’t hamper your progress towards cherished goals such as child’s higher education.

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What are the Things to Avoid When Investing in a ULIP Plans?

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

Only Thinking About Tax

ULIPs offer tax benefits³ 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 benefits³ might not help you meet your future financial goals.

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.

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.

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.

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.

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.

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What Are the Myths About Investing in ULIPs?

The few common myths about investing in ULIPs include:

1 ULIPs Are Costly

Reality: Because of high premiums and charges, many consider ULIPs a costly investment plan. However, the charges are not so high now. Earlier, the charges were as high as 6-10%. But now, charges are reduced to 3%, applicable for the first 10 years of holding. This charge is 2.25% for more than 10 years of holding. At present, low-cost ULIPs charge lower prices than similar investments, making them affordable options.

2 ULIPs Are Not for Investing Surplus Funds

Reality: With the ULIP top-up option, you can invest surplus funds when available. A policyholder can pay the top-up premium during any time of the policy tenure and receive the same tax benefits as regular premium payments.

3 ULIPs Cannot Be Discontinued

Reality: Before ULIPs complete the lock-in period of 5 years, you can discontinue the ULIPs and avail the surrender value after completion of lock-in period . Most importantly, you need not deposit any surrender charges for discontinuing before the end of the policy tenure if it’s after the lock-in period.

4 ULIPs Are Risky Financial Instruments

Reality: If you are a risk lover, you can continue investing in a conservative fund. However, you can also choose between a mix of equity and debt funds, also known as balanced funds. Additionally, you can switch between funds, considering your risk appetite.

5 ULIPs Do Not Provide Health and Accident Coverage

Reality: Since ULIPs provide dual benefits of insurance coverage with investment, just like other insurance plans, they also have rider options.

Thus, during any extreme condition, a policyholder can benefit from partial withdrawal and meet their desired cash requirements.

6 Life Coverage Reduces with Market Volatility

Reality: Many people believe that because ULIPs are linked with equities, the returns create a deep impact on life coverage. But, without affecting the life coverage, ULIPs either pay out the fund value or complete life coverage, whichever is more, upon the sudden demise of the policyholder.

How to manage ULIP Funds?

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

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.

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.

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.

ULIPs Simplified

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

ULIPs can be really uncomplicated!

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Riders Available with ULIP Plans

Riders add more bang for your buck.

HDFC Life Income Benefit on Accidental Disability Rider – Linked

UIN: 101A038V01

A Linked, Non-Participating Pure Risk Premium, Individual Life rider where you can get additional income benefits over and above your Sum Assured in the event of total permanent disability due to an accident.
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HDFC Life Protect Plus Rider – Linked

UIN: 101A037V01

A Linked, Non-Participating Pure Risk Premium, Individual Life/Health rider where you can get protected with a proportion of Rider Sum Assured in case of accidental death or partial/total disability due to accident or diagnosed with Cancer.
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HDFC Life Health Plus Rider – Linked

UIN: 101A034V01

A Linked, Non-Participating Savings/Pure Risk Premium, Individual Health rider where you can get lump sum benefit equivalent to Rider Sum Assured on diagnosis of any of the covered 60 Critical Illnesses or benefit as a proportionate of the Rider Sum Assured on diagnosis of Early Stage Cancer / Major Cancer depending on the plan option chosen.
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HDFC Life Waiver of Premium Rider – Linked

UIN: 101A035V01

A Linked, Non-Participating, Individual Pure Risk Premium, Life/Health rider where you can get Waiver of Premium for the base policy premium and premiums of any other additional riders, in case of death, disability or diagnosis of any listed critical illnesses of the Rider Life Assured. Enjoy continued policy benefits even in case of life's eventualities.
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Term Related to Unit Linked Insurance Plans

Fund Value

The fund value lets you know how much your investment is worth at any given time. You can calculate the amount the multiplying the number of units owned by the Net Asset Value (NAV) or monetary value of each unit.

Sum Assured

The sum assured refers to the life insurance payout. The beneficiary receives the sum assured on the policyholder's unfortunate demise during the policy term.

Withdrawal (Partial)

ULIPs allow partial withdrawals from the collected corpus in certain circumstances after the lock-in period. The policyholder can withdraw a small amount from the fund to deal with certain financial situations.

Fund Switch

A fund switch allows you, the investor, to make changes to your investment allocation as part of your plan. The number of funds allowed per year depends on your policy.

Top-Up Premium

A top-up is an additional amount you can pay, over and above the regular premium, to increase the investment in your ULIP.

Contract

Your policy document is a contract between you, the policyholder, and your insurance company. You agree to make premium payments, and the insurance company agrees to invest your money and provide life insurance coverage.

Single-Premium Contract

Some ULIPs only require one investment at the start, so they are single-premium contracts.

Regular-Premium Contract

Most ULIPs require you to make monthly, quarterly, biannual or annual payments towards your plan, making them regular-premium contracts.

Contract Surrender

You can give up your ULIP plan before maturity in contract surrender.

Surrender Value

The surrender value refers to the amount the insurance company owes you on contract surrender.

Maturity Benefits

Maturity benefits refer to the funds payable to you by your insurance company on maturity.

Death Benefit

On the policyholder's unfortunate demise, the beneficiary receives the sum assured, which is the death benefit.

Survival Benefit

The survival benefit refers to the periodic benefits the ULIP plan provides the policyholder while the plan is active.

ULIP Charges

Every insurance company levies certain costs on their ULIPs, such as administrative charges, mortality charges, fund allocation charges and more.

Ulip Plans - FAQ's

We’ll tell you everything you need to know about ULIPs.

1 What is the full form of ULIP?

ULIP stands for Unit-Linked Insurance Plans. It offers both insurance and investment avenues.

2 What are different types of funds that ULIP plans would invest in?

Depending on one's financial goals and risk appetite, investors can choose between equity, debt and/or other instruments to invest in. Funds under ULIP plan include a number of instruments. The ratio of debt to equity held is different for every fund. A ULIP has multiple such funds to choose from.

3 How much return is guaranteed in ULIPs?

The returns on ULIP plans can vary because the investor gets to choose the combination of equity, debt, hybrid funds in their investment. ULIPs with less risk exposure tend to offer lower returns compared to high-risk equity ULIPs.

4 How units are allotted under a ULIP plan?

Insurance providers collect policyholders’ capital and invest it in funds of their choice. After the amount is invested, the total is divided into 'units' of a specific value. These 'units' are allocated to the investor according to the amount invested by them.

5 How can I track my ULIP’s fund value?

Fund value simply is the net asset value or NAV of a fund on the given day, multiplied by the number of units held by the investor.

For example, if a fund's NAV is ₹ 50 and an investor holds 3000 units of the fund, the fund value for the investor will be ₹ 50 x 3000 = ₹ 1,50,000.

Comparing the initial and current NAV shows a fund’s progress and returns earned.

6 What are the main benefits of ULIP plan?

The main feature of ULIPs is that they are insurance plans that help build long-term wealth with their market-linked investment options. They offer a high return potential while also providing dual tax benefits, both on premium payments and on payouts/sum received after maturity.

^{As per Income Tax Act, 1961. Tax benefits are subject to changes in tax law.}

7 Can we increase the premiums for a ULIP plan?

Investors that have been regular in their premium payments can opt for paying ‘top-up’ premiums, which are additional investments towards the plan. Investors can tap into the potential of a ULIP with good performance history and good returns with these extra premiums.

8 Can we purchase a ULIP with only a single payment?

Yes. Policyholders can opt for a single premium ULIP plan which requires a one-time payment at the time of purchase of the policy, instead of regular premiums. After the maturity period, the policyholder receives the sum assured. Top-up premiums for these ULIPs may not be available during the first 5 years.

9 Can I cancel/surrender my ULIP plan?

Yes, you can. The lock-in period for ULIPs is 5 years. If you plan to cancel/surrender the plan after 5 years, you will get the accumulated funds till the date of surrender. If you surrender before the lock-in period then discontinuance charges will be deducted and the balance amount will be paid to the policyholder after the completion of the 5 years lock-in period.

10 Can we partially withdraw from the ULIP amount?

Most ULIP plans have a lock-in period of 5 years after which the policyholder can choose to withdraw a part of their fund, if the need arises. This is done by ‘cancelling’ some of the units held. There is a limit to the amount that can be withdrawn and it may vary across plans.

11 Can we surrender a ULIP plan at any time?

The entire fund value is paid to the policyholder if a ULIP plan is surrendered after the 5-year lock-in period. However, the process of surrendering the policy before 5 years is different. The amount will be paid to the policyholder only after the end of 5 years. However, the insurance provider will deduct discontinuance charges from the fund value. The balance is transferred to a Discontinued Policy (DP) fund and a fund management charge of not more than 0.5% is applied. The DP fund will earn interest over time to provide the minimum return guaranteed by the provider.

12 What is the meaning of fund value?

The fund value refers to the total value of the units a policyholder owns. In ULIP, investors can choose from a variety of schemes as per their risk appetite and financial goals. Fund value on a particular day can be calculated by multiplying the Net Asset Value (NAV) of a unit on that day to the number of units owned by a policyholder.

13 What is the expiry date of the lock-in period?

The time for which a policyholder cannot withdraw or liquidate the accumulated funds is called the lock-in period.

14 How Can I Reduce Risk on my ULIP Investment?

ULIP plans provide a variety of fund options for an investor to choose from. Ranging from aggressive to conservative ULIP plans, you can choose as per the market scenarios and your risk-taking ability. If you are risk-averse then you can choose conservative ULIP plans that invest in the debt market.

15 Is interest on ULIP taxable?

Interest earned on ULIPs is exempt from taxes if the annual premium is up to INR 2,50,000 per year. For annual premiums over the amount, the interest will attract Long-Term Capital Gains (LTCG) tax of 10%.

^{As per Income Tax Act, 1961. Tax benefits are subject to changes in tax law.}

16 Is ULIP a good plan?

ULIPs provide both insurance and investment, making them a good financial tool to have in your portfolio. They allow flexible investment and give you control over fund allocation, enabling you to decide how and where money gets invested.

17 What is the difference between ULIP plan, Mutual Funds and SIP?

A Unit-Linked Insurance Plan is a type of investment plan that also provides an insurance component.

Mutual funds are investments that pool together resources from several investors. They do not have an insurance component.

A SIP or Systematic Investment Plan refers to a method of investment in mutual funds.

18 What happens if I can’t continue ULIPs after five years?

If you discontinue your policy after five years, you will receive the policy's surrender value.

19 What is sum assured in a Unit-Linked Insurance Plan?

The sum assured refers to the life insurance payout the policyholder’s beneficiary receives as the death benefit.

20 Can I withdraw the ULIP after five years?

Yes, ULIPs today have a lock-in period of five years, so policyholders are free to withdraw their ULIP plan after this time, though it is not encouraged. You can make a partial withdrawal during some financial emergencies as long as the amount you withdraw does not exceed a percentage of the total premiums paid.

21 Can I withdraw the ULIP after three years?

No, you cannot withdraw your ULIP plan before the five-year lock-in period. If you surrender it after three years, you will not receive any of the funds payable until after the lock-in period ends.

22 Is ULIP tax free after five years?

If you surrender your ULIP plan after five years, the surrender value does not attract any taxes, subject to prevailing tax laws.

23 Is ULIP tax-free on maturity?

The maturity benefit of a ULIP plan is tax-free only if the total premiums paid per year do not exceed INR 2,50,000. If the premiums exceed INR 2,50,000, the maturity amount will attract a 10% LTGC tax³

24 What is the average return on ULIPs?

ULIPs are market-linked products, so the returns vary depending on market fluctuations, the plan tenure, and your selected funds. You must decide on the best investment avenues based on previous performance, projected returns, and personal financial goals.

25 Can I surrender my ULIP before five years?

Yes, it is possible to surrender a ULIP plan before the five-year lock-in period ends, but it is not advisable. You will not receive any payouts until after the lock-in period ends if you surrender your ULIP before five years. Additionally, you could have to pay a surrender fee and tax on the investment amount.

26 Is ULIP better than FD?

A ULIP can be better than an FD if you have a higher risk tolerance and the aim of getting market-linked returns. ULIP ensures the safety of money by providing comprehensive life coverage. It also provides chances of earning high returns through investing.

27 How to make money through ULIPs?

With a systematic investment plan and market-linked returns, you can make money through ULIPs. With ULIP, you can generate wealth to achieve your long-term goals of meeting your child's expenses, owning a dream house, and more.

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HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER

We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.

Disclaimers

In unit linked policies, the investment risk in the investment portfolio is borne by the policyholder. 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.

Life Insurance Coverage is available in this product. The unit linked insurance products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in unit linked insurance products completely or partially till the end of fifth year. Unit Linked Funds are subject to market risks and there is no assurance or guarantee that the objective of the investment fund will be achieved. The premium shall be adjusted on the due date even if it has been received on advance.

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. 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.

1. Opt for Settlement Option to receive maturity benefit in periodical installments.

3. Tax benefits & exemptions are subject to conditions of the Income Tax Act, 1961 and its provisions. Tax Laws are subject to change from time to time. Customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.

6. Death Benefit under the product - Sum Assured less all withdrawals made during the two year period immediately preceding the death of the Life Assured. Unit Fund Value based on the number of units and the Unit Price of the fund is also payable. The Minimum death benefit will be at least 105% of the total premiums paid.

8. Assured maturity benefit will be paid only on policy maturity provided all due premiums have been paid and will not apply on death or surrender.

10. Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime

13. This is subject to underwriting norms.

^##Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2023-24.

~ This is the return of the benchmark index fund and not indicative of HDFC Life Top 300 Alpha 50 fund performance (SFIN - ULIF07828/02/25Alpha300Fd101). Source: https://www.nseindia.com/

**The returns mentioned is the 5-year benchmark return percentage of Nifty Alpha 50 index data as of April 30, 2025, and is not indicative returns of HDFC Life’s Top 300 Alpha 50 fund(SFIN:ULIF07828/02/25Alpha300Fd101) Source: https://www.niftyindices.com/Factsheet/Factsheet_Nifty_Alpha50.pdf

* Online Premium for HDFC Life Sampoorn Nivesh Plus policy (UIN: 101L180V01) under the Classic Plus Benefits Plan assume an 8% annualized return over a 20-year policy term with a 20-year premium-paying period; please note that these assumed returns are not guaranteed and do not represent minimum or maximum outcomes, as actual performance will depend on various factors including future investment performance. Some benefits under this plan are guaranteed, while others are variable and contingent on the insurer’s future performance in the life insurance business, and the calculations vary based on the selected death benefit amount: for a benefit of Rs. 1,000,000, the the death benefit value is Rs. 11,52,960; for benefits of Rs. 2,000,000, Rs. 3,000,000, or Rs. 5,000,000, the death benefit value is Rs. 21,12,960; and for benefits of Rs. 8,000,000 or Rs. 10,000,000, the the death benefit value is Rs. 96,00,000. Premiums are paid on a regular, monthly basis and are exclusive of applicable taxes and levies, with an example monthly premium of Rs. 2,601 equating to approximately Rs. 86.70 per day. These illustrations are provided for informational purposes only and do not guarantee future performance.The calculations will differ for the remaining illustrations.

ARN - PP/05/25/23782

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Fund Performance Check

ULIP - Unit Linked Insurance Plan

Boost Your Wealth and Shield Your Future with HDFC Life Sampoorn Nivesh Plus.

New Fund Launch with ULIPsHDFC Life's Sampoorn Nivesh Plus

What are ULIPs (Unit Linked Insurance Plans)?

Why Invest in ULIPs?

Premium Redirection

Switching Funds

Top up Plan

Lock-in Period Withdrawal Facility

How Does A ULIP Plan Work?

What are the Types of ULIPs?

Types of ULIPs based on the fund type

What are the Types of ULIPs based on the plan structure?

Regular v/s single premium ULIPs

Guaranteed v/s non-guaranteed ULIPs

ULIPs focused on different life stages

How to Choose the Best ULIP Plans in India?

Decide your goals

Identify the insurance objectives

Understand the features and benefits

Individual Death Claim Settlement Ratio

Solvency Ratio

Who should invest in a ULIP Plan?

Have a Varying Risk Appetite

Have a Long-Term Financial Goal

Are a Hands-On Investor

Which HDFC Life ULIP Plan is ideal for you?

HDFC Life Click2Invest

HDFC Life Smart Protect Plan

HDFC Life Sampoorn Nivesh Plus

HDFC Life Click 2 Wealth

What are the Features of ULIP Plans?

Flexibility

Dual benefits

Financial security

What are the Benefits of ULIP Plans?

Maturity benefits

Death benefits

Long-term investment benefits

Withdrawal benefits

What is the Role of ULIP Plan in Wealth Creation?

Flexible Investments

Tax Benefits

Profitability’s

Lock-In Period

What is a ULIP Calculator?

Why Investment Returns are a Critical Factor?

1 Crore ULIP

80 Lakh ULIP

50 Lakh ULIP

30 Lakh ULIP

20 Lakh ULIP

10 Lakh ULIP

Calculating Best ULIP Plan Returns Using the Power of Compounding

HDFC Life Smart Protect Plan Fund Performance

Equity Funds

Diversified Equity Fund

Discovery Fund

Equity Advantage Fund

Sustainable Equity Fund

Flexi Cap Fund

Midcap Momentum Fund

Capital Growth Fund

Nifty Alpha 30 Fund

Top 500 Momentum 50 Fund

Diversified Equity Fund

Discovery Fund

Equity Advantage Fund

Sustainable Equity Fund

Flexi Cap Fund

Midcap Momentum Fund