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IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. ...Read More
HDFC Life
Smart Protect Plus
UIN : 101L187V01
A Unit Linked Non-Participating Individual Life Insurance Savings Plan
A plan that provides a life cover and caters to your need of long term wealth creation.
Loyalty Additions#
Level cover plan options
Level Cover with Capital Guarantee plan option
get a free quote
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HDFC Life Smart Protect Plus Fund Performance
List of Funds available with this product
Equity Funds
View All* Data as of 31st December 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 December 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 31st December 2025. Past Performance is not indicative of future performance of the fund.
Diversified Equity Fund
ULIF05501/08/13DivrEqtyFd101
NAV
42.2498
2026-01-20
52 wk High
2026-01-02
44.0461
52 wk Low
2025-03-04
36.5195
*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
41.0342
2026-01-20
52 wk High
2025-11-17
43.1649
52 wk Low
2025-02-28
34.5476
*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
28.3615
2026-01-20
52 wk High
2026-01-02
29.6914
52 wk Low
2025-02-28
24.3917
*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
Sustainable Equity Fund
ULIF07019/07/21SustnblEqF101
NAV
14.6673
2026-01-20
52 wk High
2026-01-02
15.1515
52 wk Low
2025-04-07
12.6074
*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
Midcap Momentum Fund
ULIF07317/01/24MidCpMoIdx101
NAV
10.5942
2026-01-20
52 wk High
2025-06-10
11.4523
52 wk Low
2025-03-13
9.2193
*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
Capital Growth Fund
ULIF06301/04/15CapGrwthFd101
NAV
27.0319
2026-01-20
52 wk High
2025-07-07
28.8087
52 wk Low
2025-02-28
25.6107
*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
Nifty Alpha 30 Fund
ULIF07528/05/24AlphaIdxFd101
NAV
8.207
2026-01-20
52 wk High
2025-06-30
8.8632
52 wk Low
2025-02-28
7.115
*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
Top 500 Momentum 50 Fund
ULIF07616/10/24Top500MoFd101
NAV
8.3889
2026-01-20
52 wk High
2025-06-26
9.4213
52 wk Low
2025-04-07
7.5498
*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
15.3174
2026-01-20
52 wk High
2026-01-02
15.9756
52 wk Low
2025-02-28
13.2028
*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
Top 300 Alpha 50 Fund
ULIF07828/02/25Alpha300Fd101
NAV
9.137
2026-01-20
52 wk High
2025-06-30
10.3268
52 wk Low
2026-01-20
9.137
*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
Top 500 Multifactor 50 Fund
ULIF08219/09/25TopMF500Fd101
NAV
9.8329
2026-01-20
52 wk High
2025-11-17
10.3444
52 wk Low
2026-01-20
9.8329
*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
India Consumption Advantage Fund
ULIF08421/11/25InCnsmAdFd101
NAV
9.5617
2026-01-20
52 wk High
2025-12-22
10.0205
52 wk Low
2026-01-20
9.5617
*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
Debts Funds
View All* Data as of 31st December 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 December 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 31st December 2025. Past Performance is not indicative of future performance of the fund.
Bond Fund
ULIF05601/08/13Bond Funds101
NAV
21.3178
2026-01-20
52 wk High
2025-11-27
21.4721
52 wk Low
2025-01-20
20.3436
*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
Hybrid Funds
View All* Data as of 31st December 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 December 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 31st December 2025. Past Performance is not indicative of future performance of the fund.
Capital Secure Fund
ULIF06401/04/15CapSecFund101
NAV
15.6467
2026-01-20
52 wk High
2025-11-27
15.7784
52 wk Low
2025-01-20
15.0378
*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
Dynamic Advantage Fund
ULIF08028/02/25DynamicFnd101
NAV
10.8903
2026-01-20
52 wk High
2026-01-02
11.2703
52 wk Low
2025-04-07
9.7829
*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
Why HDFC Life Smart Protect Plus?
A Unit Linked Non-Participating Individual Life Insurance Savings Plan
Choose from 4 Plan Options as per your needs
Boost your fund value with 4 kinds of Loyalty Additions (Return of 2X to 3X Mortality Charge, Return of 2X Premium Allocation Charge, Return of Fund Management Charge, Return of 2X of Guarantee Charge)
Get a Guaranteed Maturity Benefit1 in the form of capital guarantee in spite of market fluctuations
Choose from 10 funds2 to optimize your investment returns
Flexibility to choose the premium payment option- Regular Pay Options are from 25 to 99 – Age at entry and Limited Pay options are from 5 to 20 years.
Reduce your Death Benefit Cover after a chosen period under Decreasing Cover and Decreasing Cover with Capital Guarantee plan options
Choose from 4 Plan Options as per your needs
Boost your fund value with 4 kinds of Loyalty Additions (Return of 2X to 3X Mortality Charge, Return of 2X Premium Allocation Charge, Return of Fund Management Charge, Return of 2X of Guarantee Charge)
Get a Guaranteed Maturity Benefit1 in the form of capital guarantee in spite of market fluctuations
Choose from 10 funds2 to optimize your investment returns
Flexibility to choose the premium payment option- Regular Pay Options are from 25 to 99 – Age at entry and Limited Pay options are from 5 to 20 years.
Reduce your Death Benefit Cover after a chosen period under Decreasing Cover and Decreasing Cover with Capital Guarantee plan options
- Available under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options
- 8 Funds available under Level Cover and Decreasing Cover plan options, 2 Funds available under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options
- Available under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options
- 8 Funds available under Level Cover and Decreasing Cover plan options, 2 Funds available under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options
What makes this plan a must-have
You have the flexibility to choose your plan options.
Select your core objective for the insurance cover and view the benefits
- Level Cover
- Level Cover with Capital Guarantee
- Decreasing Cover
- Decreasing Cover with Capital Guarantee
Level Cover
This plan option provides a level cover throughout the policy term
Death Benefit:
-
“Death Benefit” is payable as a lump sum if life assured dies during the policy term.
-
Subject to Policy being in force and all due premiums have been paid, the Death Benefit payable to the Assignee/ Nominee shall be the highest of the following:
(i) Sum Assured, less partial withdrawals1, if any; or
(ii) Fund value, or
(iii) 105% of Total Premiums (excluding Top-up premium) Paid up to the date of death
-
For a reduced paid-up Policy, the Death Benefit payable to the Assignee/ Nominee and shall be the highest of the following:
(i) Paid up Sum Assured plus any additional Sum Assured in respect of Top-ups, less partial withdrawals1 made, if any (as detailed below); or
(ii) Fund value; or
(iii) 105% of Total Premiums Paid (excluding Top-up premium) Paid up to the date of death
1The partial withdrawals to be deducted from the Sum Assured shall be all partial withdrawals (except from the top-up fund value) made during the two-year period immediately preceding the date of death.In addition to the death benefit above, Top up death benefit if any, calculated as higher of Top up sum assured and Top up fund value shall also be payable.
Upon this payment, the policy shall terminate and no further benefit shall be payable.
Where,
a) Annualized Premium means the premium amount payable in a year excluding the taxes, rider premiums and underwriting extra premium on riders, if any.
b) Basic Sum Assured is the amount of cover chosen by the policyholder at inception of the policy in accordance with terms and conditions of the Policy.
c) Fund Value is the value obtained by multiplying the number of Units allocated to your Policy by the corresponding price of the Units.
d) Total Premiums Paid are the total of all the premiums received, excluding any rider premium and taxes.
e) Paid-Up Sum Assured, is the original sum assured multiplied by the total number of premiums paid to the original number of premiums payable as per the terms and conditions of the policy. (Paid Up Sum Assured = Original Sum Assured x Total No. of Premiums Paid / Original No. of Premiums Payable).
f) Minimum Basic Sum Assured, is 10 times the Annualized Premium
g) Guaranteed Maturity Benefit is the Total Premiums Paid, less Total Partial Withdrawals made (if any)
Maturity Benefit:
-
On survival of the Life Assured till the Maturity Date, subject to Policy being in-force on the Maturity Date, the risk cover shall cease and Fund Value at Maturity plus Loyalty Additions payable at Maturity shall be payable to the Policyholder as the maturity benefit.
-
Upon this payment, the policy shall terminate and no further benefits will be payable.
-
You can also take your fund value at maturity in periodical installments under settlement option.
Check Eligibility Criteria
Before buying HDFC Life Smart Protect Plus
ELIGIBILITY CRITERIA
Parameters |
Minimum | Maximum | |
Age1 at Entry |
Life Assured: 0 years (30 days) Proposer: 18 years |
Life Assured: 60 years Proposer: No Limit |
|
Age1 at Maturity |
25 years | 99 years | |
Premium Payment Term |
Plan Option | Premium Payment Term | |
Option A: Level Cover |
Limited Pay (5 to 20) Regular Pay (25 – 99 – Age at Entry |
||
Option C: Decreasing Cover |
Limited Pay (5 to 20 years) | ||
Policy Term2 |
25 year | 99 – Age at Entry | |
Instalment Premium |
Payment Frequency |
Minimum Instalment Premium | As per Board Approved Underwriting Policy (BAUP) |
| Limited Pay / Regular Pay | |||
Annual |
Rs. 50,000 | ||
Half-Yearly |
Rs. 25,000 | ||
Quarterly |
Rs. 12,500 | ||
Monthly |
Rs. 4,500 | ||
Top-Up Premium: |
|||
Rs. 5,000 per Top-Up3 |
|||
Sum Assured |
Minimum Basic Sum Assured shall be: | As per Board Approved Underwriting Policy (BAUP) |
|
| Entry Age of Life Assured | Minimum Sum Assured | ||
Below 18 years |
10 x AP | ||
18 years to 49 years |
7 x AP | ||
50 years and above |
5 x AP | ||
| Minimum Sum Assured on Top-up Premium shall be: | |||
| Entry Age of Life Assured | Minimum Sum Assured | ||
Below 50 years |
1.25 × Top-Up Premium | ||
50 years and above |
1.10 × Top-Up Premium | ||
Premium Payment Frequency |
Annual, Half-Yearly, Quarterly, Monthly | ||
- All ages are expressed as on last birthday.
- For Minor Life Assured: If Age of the Life Assured is less than or equal to 17 years, the life insurance cover under the Policy will commence:
a) Either immediately from Policy Commencement Date or
b) Upto 2 years after the Policy Commencement Date or on Policy Anniversary after attainment of maturity, whichever is earlier.
Under option ‘b’, there shall be no mortality charge levied till the Risk Commencement Date. Please refer the policy schedule for the Risk Commencement Date. In case of death prior to Risk Commencement Date, the insurance cover shall be restricted to the payment of fund value. In case of death on or after Risk Commencement Date, death benefit will be as per applicable plan option. - Total top-up premiums paid, at any point of time during the policy term shall not exceed the sum total of the regular premiums paid at that point of time.
Customize your cover with these riders
Riders in insurance have an important part in contingency planning. A ULIP is incomplete without them.
-
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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.
DOWNLOAD -
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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.
DOWNLOAD -
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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.
DOWNLOAD -
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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.
DOWNLOAD -
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HDFC Life LiveWell Rider – Linked
UIN: 101A036V01
Get Lump Sum benefit equivalent to Rider Sum Assured on death/terminal illness/accidental death/hospitalisation or benefit as a proportionate of the Rider Sum Assured on disability due to accident/undergoing any listed surgery, depending on the plan option chosen.
DOWNLOAD
Need Help to Buy a Right Plan?
Our expert will assist you in buying a right plan for you online.
Reach us between 9 AM - 10 PM IST.
For existing policy related assistance, click here.
A certified expert of HDFC Life will help you.
99.68% Claim Settlement Ratio
For FY 2024-2025
~5 Cr. Number Of Lives Insured
For FY 2024-2025
Reach us between 9 AM - 10 PM IST.
Disclaimer: By submitting your contact details, you agree to HDFC Life's Privacy Policy and authorize ...Read More
99.68% Claim Settlement Ratio
For FY 2024-2025
~5 Cr. Number Of Lives Insured
For FY 2024-2025
Personal details
Your Required life cover to protect your family’s future is
₹ 0
Recommended plans for you
Have a question?
We’ll tell you everything you need to know about HDFC Life Smart Protect Plus
1
Why HDFC Life Smart Protect Plus?
HDFC Life Smart Protect Plus addresses your long-term savings needs and also provides you protection in the form of a life cover.
2
What are the premium paying frequencies available for this plan?
Annual, half-yearly, quarterly and monthly frequencies are available under this product.
3
Can I decrease the policy term and the premium payment term after the policy has been issued?
4
Can I change my premium frequency after the policy has been issued?
Yes, as the Policyholder, You can alter the Premium frequency during the Premium Payment Term.
5
Are there any specific exclusions in this plan?
Yes. There are specific exclusions in this plan. To know detailed information related to exclusions, please read the Product Brochure.
6
Can Riders be opted along with the plan?
Yes, you can opt for any of the following riders:
- HDFC Life Income Benefit on Accidental Disability Rider - Linked
- HDFC Life Protect Plus Rider - Linked
- HDFC Life Health Plus Rider - Linked
- HDFC Life Waiver of Premium Rider – Linked
- HDFC Life Livewell Rider – Linked
7
Does this plan offer tax benefits?
Premium(s) paid by an individual or HUF under this plan are eligible for tax benefits1 under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein.
8
What are the fund options available with this product?
Under Plan Options Level Cover and Decreasing Cover:
Diversified Equity Fund
Bond Fund
Discovery Fund
Equity Advantage Fund
Flexi Cap Fund
Dynamic Advantage Fund
India Consumption Advantage Fund
Sustainable Equity Fund
Under Plan Options Level Cover with Capital Guarantee and Decreasing Cover:
Capital Growth Fund
Capital Secure Fund
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.
HDFC Life Smart Protect Plus (UIN: 101L187V01) is a Unit Linked Non-Participating Individual Life Insurance Savings Plan. HDFC Life Income Benefit on Accidental Disability Rider – Linked (UIN: 101A038V01) is a Linked, Non-Participating Pure Risk Premium, Individual Life Rider. HDFC Life Protect Plus Rider – Linked (UIN: 101A037V01) is a Linked, Non-Participating Pure Risk Premium, Individual Life/Health Rider. HDFC Life Health Plus Rider – Linked (UIN: 101A034V01) is a Linked, Non-Participating Savings/Pure Risk Premium, Individual Health Rider. HDFC Life Waiver of Premium Rider – Linked (UIN: 101A035V01) - A Linked, Non-Participating, Individual Pure Risk Premium, Life / Health Rider. Life insurance coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully. Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. HDFC Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and HDFC Life Smart Protect Plus (UIN: 101L187V01) is only the name of the unit linked life insurance contract. The name of the company, name of the brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
T&C
- The above stated tax benefits are subject to the provisions & conditions mentioned in the existing Income Tax Act, 1961. Tax Laws are also subject to change from time to time. This material has been prepared for information purposes only, should not be relied on for tax or accounting advice. The customer is requested to seek tax advice from his/her Chartered Accountant or personal tax advisor with respect to his/her personal tax liabilities under the Income-tax law
#Loyalty Additions available under this plan – a) Return of 2X to 3X Mortality Charge, b) Return of Premium Allocation Charge, c) Return of Fund Management Charge (FMC), d) Return of 2X of Guarantee Charge, e) Maturity Booster
ARN - PP/01/26/30156
