HDFC Life ULIP Plans represent a unique blend of insurance and investment, providing individuals with a comprehensive financial solution. These Unit Linked Insurance Plans (ULIPs) not only offer life protection but also the opportunity to invest in a range of market-linked funds.
Top performing plans with High Returns**
Invest ₹10K/month & Get ₹1 Crore# returns
Fund Details |
Fund Size |
NAV |
5 Year |
7 Year |
10 Year |
|
|---|---|---|---|---|---|---|
 Opportunities Fund
Fund Size: 40,966 Cr
|
40,966 Cr |
78.44 1.16% |
23.42% Highest Returns |
15.5% |
16.86% |
Get Details |
|
Diversified Equity Fund
Fund Size: 3,734 Cr
|
3,734 Cr |
41.43 0.41% |
18.23% Highest Returns |
14.71% |
14.75% |
Get Details |
|
Blue Chip Fund
Fund Size: 9,591 Cr
|
9,591 Cr |
51.29 0.52% |
16.92% Highest Returns |
13.82% |
13.5% |
Get Details |
|
Equity Plus Fund
Fund Size: 1,280 Cr
|
1,280 Cr |
33.19 0.30% |
16.99% Highest Returns |
13.93% |
12.36% |
Get Details |
Fund Details |
Fund Size |
NAV |
5 Year |
7 Year |
10 Year |
|
|---|---|---|---|---|---|---|
|
Balanced Fund
Fund Size: 6,856 Cr
|
6,856 Cr |
39.09 0.23% |
12.67% Highest Returns |
10.44% |
10.78% |
Get Details |
Fund Details |
Fund Size |
NAV |
5 Year |
7 Year |
10 Year |
|
|---|---|---|---|---|---|---|
|
Individual Preserver Pension Fund
Fund Size: 110 Cr
|
110 Cr |
32.85 0.03% |
6.38% |
6.75% |
7.78% Highest Returns |
Get Details |
|
Bond Fund
Fund Size: 445 Cr
|
445 Cr |
20.16 0.02% |
5.71% |
5.94% |
6.98% Highest Returns |
Get Details |
|
Conservative Fund
Fund Size: 164 Cr
|
164 Cr |
18.93 0.00% |
5.28% |
5.61% |
6.27% Highest Returns |
Get Details |
|
Liquid Fund
Fund Size: 81 Cr
|
81 Cr |
75.88 -0.01% |
4.46% |
4.8% |
5.42% Highest Returns |
Get Details |
Best ULIP Funds - Consider the best performing ULIP funds to invest in 2024 with Policybazaar. Find the list of best ULIP funds in India on the basis of Returns, Latest Nav, Fund Size and Categories
Returns as on 24-11-2024. The returns are the returns of best-performing fund in the plan
Disclaimer :
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
The HDFC Life ULIP Plan is a financial product offered by HDFC Life Insurance. The plan provides flexibility, allows you to switch between funds, and allocates premiums according to your financial goals. ULIPs offer a dual benefit of life protection and wealth creation, which makes them a comprehensive financial solution.
Flexible Investment Options: Allows you to choose from a variety of investment funds based on your risk tolerance and financial goals.
Market-Linked Returns: Returns are linked to the performance of selected funds in the financial market.
Premium Allocation Charges: Applicable charges for allocation of premiums towards investment funds.
Partial Withdrawal: Allows partial withdrawal of funds after completion of the lock-in period of 5 years.
Top-up Premiums: Option to make additional premium payments to enhance investment.
Switching Option: Allows you to switch between funds based on market conditions or changing risk preferences.
Tax Benefits: Eligible for tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961.
Death Benefit: Provides a lump sum or periodic payment in case of your demise.
Maturity Benefit: Receives the fund value on policy maturity, subject to terms and conditions.
Option to Enhance Sum Assured: Offers the flexibility to increase the sum assured at certain policy intervals.
HDFC offers different types of ULIPs under different types of plans, like pension plans, child plans, savings plans, and investment plans; key details of some of them are mentioned below:
| HDFC Life ULIP Plan | Entry Age | Maximum Maturity Age | Premium Payment Term (PPT) | Policy Term (PT) | Minimum Monthly Premium (in Rs.) | Tax Benefits under the Income Tax Act, 1961 |
| HDFC Life Smart Protect Plan | 30 days - 60 years | 100 years | Limited Pay: 5 to 12 years; Regular Pay: 25 to 40 years |
25 - 40 years | Limited Pay (5 & 6 years): Rs. 4,500; Others: Rs. 3,000 per month |
Section 80C and Section 10(10D) |
| HDFC Life Sampoorn Nivesh | 5 Pay: 30 days - 56 years; Other than 5 Pay: 30 days - 65 years |
18 - 85 years | Single; Limited: 5 to 10/ 12/ 15/ 20 years; Regular | Single: 10/ 15 to 35 years; Limited/ Regular: 85 - Entry Age |
Rs. 1,000 | Section 80C and Section 10(10D) |
| HDFC Life ProGrowth Plus | 30 days - 65 years | 75 years | Limited Pay: 5/ 7/ 10/ 12 years Regular Pay: Same as PPT |
10 - 30 years | Rs. 2,500 | Section 80C and Section 10(10D) |
| HDFC Life Click 2 Wealth | 30 days - 60 years | 18 - 75 years | Single Pay; Limited: 5/ 7/ 10 years Regular: 10 - 40 years |
10 - 40 years | Rs. 1,000 | Section 80C and Section 10(10D) |
| HDFC Life Click2Invest ULIP | 30 days - 65 years | 18 - 75 years | Single Pay; Limited: 5 - 10 years Regular: 5 - 40 years |
5 - 40 years | Rs. 1,000 | Section 80C and Section 10(10D) |
| HDFC SL ProGrowth Super II | 14 - 65 years | 75 years | 5 years to Same as Policy Term | 10 - 30 years | Rs. 1,250 | Section 80C and Section 10(10D) |
| HDFC SL Crest | 14 - 55 years | 65 years | 5 years | 10 years | Rs. 50,000 lump sum | Section 80C and Section 10(10D) |
| HDFC SL ProGrowth Flexi | 14 - 65 years | 75 years | 10 - 30 years | 10 - 30 years | Rs. 2,500 | Section 80C and Section 10(10D) |
Let us take a look at the different types of ULIP plans offered by HDFC Life in detail.
The HDFC Life Smart Protect Plan is a unit-linked insurance plan (ULIP) that offers both protection and long-term savings benefits.
Enhanced Returns on Charges: You can experience a return of 2X to 3X on Mortality Charges from the 11th policy year onwards, which ensures value addition to your fund.
Premium Allocation Charge Refund: It allows you to enjoy a refund of 2X Premium Allocation Charge from the 10th to 13th policy years. This helps in boosting your overall returns.
Fund Management Charge Rebate: You receive a refund of the Fund Management Charge (FMC) on maturity. It allows you to maximise your investment gains.
Investment Guarantee Charge Return: You can get back 2X of the Investment Guarantee Charge upon maturity. This enhances your overall investment outcome.
People also read: HDFC Life NIFTY 200 Alpha 30 Fund
HDFC Life Sampoorn Nivesh Plan is an insurance cum investment plan that combines the security of insurance with the growth potential of investments.
Accidental Death Coverage: If the insured faces accidental death, the plan provides an extra sum assured to the nominee for added financial protection.
Loyalty Additions: The plan boosts your fund value with Loyalty Additions after 10 years. This helps in enhancing your overall returns.
Free Policy Flexibility: You can enjoy the freedom of 4 free Fund Switches and Future Premium Redirection in a policy year. These features give you control over your plan.
Financial Flexibility: You have the option to make partial withdrawals from your funds to meet financial emergencies.
HDFC Life ProGrowth Plus is a unit-linked insurance plan (ULIP) that offers life insurance coverage and the potential for market-linked returns.
Diverse Fund Options: You can choose from 10 funds based on your risk tolerance and investment preferences.
Accidental Death Benefit: In the unfortunate event of accidental death, an additional sum assured is paid to the nominee.
Tax Advantages: You can enjoy tax benefits under sections 80C and 10(10D) of the Income Tax Act 1961.
Partial Withdrawal Option: ProGrowth Plus allows you to make partial withdrawals in need of an emergency.
People also read: What is ULIP
HDFC Life Click 2 Wealth Plan is a unit-linked insurance plan (ULIP) that combines the dual benefits of life insurance coverage and the potential for wealth creation through market-linked investments.
Diverse Investment Options: You select from 11 funds and enjoy unlimited free switches to optimise your investment strategy.
Special Premium Addition: You can avail of the benefit from a 1% premium addition to your fund for the initial 5 years. This gives your investment a valuable boost.
Premium Waiver Option: The plan allows you to choose security for your loved ones – with the premium waiver option.
Post-Retirement Income: You can plan for your post-retirement life by opting for systematic withdrawal from your funds.
HDFC Life Click2Invest ULIP is a unit-linked insurance plan (ULIP) that offers market-linked returns along with life insurance cover.
Tailored Investments: You can pick from 11 fund options that align with your investment preferences for a personalised approach.
Flexible Payouts: The plan provides your fund value at maturity or in periodic instalments, as per your specific financial needs.
Premium Flexibility: The plan allows you to choose how you pay. You can opt for regular premiums or go for a limited period of 5, 6, 7, 8, 9, or 10 years. Alternatively, you can make a one-time payment with the Single Pay option.
Emergency Fund Access: The plan empowers you to face your financial emergencies with confidence. You can exercise the option to make partial withdrawals from your funds when needed.
HDFC Life ProGrowth Super II is a unit-linked insurance plan (ULIP) that blends life insurance coverage with the potential for market-linked returns.
Accidental Coverage Boost: If an accidental death occurs, your nominee receives an extra sum assured. This adds an additional layer of protection.
Critical Illness Benefit: You can receive the combined value of your Sum Assured and Unit Fund if diagnosed with a Critical Illness.
Annual Support for Disability: In the unfortunate event of an Accidental Total and Permanent Disability, you get 10% of the Sum Assured annually to help manage ongoing expenses.
Emergency Withdrawals: You can secure your financial well-being by making partial withdrawals from your funds in times of unforeseen financial emergencies.
The HDFC Life SL Crest plan is a Unit Linked Insurance Plan (ULIP) that combines the security of life insurance with the potential for market-linked returns.
Smart Investment, Limited Commitment: You have to pay premiums for just 5 years and enjoy market-linked returns with life protection for a decade.
Diverse Investment Options: You can choose from 10 fund options to tailor your investment strategy according to your preferences and goals.
Flexible Life Coverage: The plan allows you to opt for a sum assured up to 20 times your annual premium.
Enhanced Protection in Unforeseen Events: In the unfortunate event of your demise during the policy term, your nominee receives the higher of the Sum Assured or the fund value. It ensures enhanced protection for your loved ones.
The HDFC Life ProGrowth Flexi Plan is a Unit Linked Insurance Plan (ULIP) designed to provide financial security and the potential for market-linked growth. It caters to individuals seeking flexibility, choice, and the opportunity to build wealth alongside life cover.
Extra Protection for Accidents: The plan provides you with an additional sum assured in the event of accidental death. This enhances your coverage for unforeseen circumstances.
Diverse Fund Choices: You can choose from 10 fund options. This allows you to tailor your investments based on your preferences and financial goals.
Flexible Life Coverage: You can choose a sum assured of up to 40 times your annual premium.
Financial Emergency Support: You can exercise the option to make partial withdrawals from your funds.
HDFC Life Smart Woman Plan is a unique insurance-cum-investment plan designed specifically for women, offering comprehensive protection and financial security throughout various life stages.
Diverse Fund Selection: You can select from 4 fund options to tailor your investment strategy according to your financial goals.
Premium Waiver for Life's Challenges: The plan helps you experience peace of mind as it waives your future premiums in situations like pregnancy complications, birth of a child with congenital disorders, malignancy in female organs, or the loss of your spouse.
Compassionate Returns in Tough Times: You receive returns when facing challenges such as complications related to motherhood, battling cancer, or dealing with the loss of your spouse.
Flexible and Generous Coverage: You can enjoy a sum assured of up to 40 times your annualised premium, providing substantial coverage to meet your life's changing needs.
People also read: ULIP Calculator
The HDFC Life Classic One Plan is a Unit-Linked Insurance Plan (ULIP) that offers a single premium plan, which means that you pay a one-time premium at the beginning of the policy term.
Versatile Coverage Options: You can choose between Single and Joint Life cover. The Joint Life option extends coverage to relationships like spouse, child, parent, grandparent, or co-borrower.
Unrestricted Fund Switching: You can enjoy the flexibility of unlimited free switching between our 11 funds. It empowers you to adapt your investments to changing market conditions.
Ample Coverage at Affordable Rates: You can secure coverage of up to 10 times your single premium. This helps in providing substantial protection at affordable rates.
Rewards for Loyalty: The plan provides you loyalty additions to your fund value after completing 10 policy years. This enhances the value of your investment over time.
HDFC Life Capital Shield is an investment-cum-insurance plan that combines the growth potential of unit-linked investments with the security of life insurance. It caters to individuals seeking to build wealth while safeguarding their loved ones financially.
Flexible Premium Payment Options: You can choose to pay your premium just once or for a short 5-year period and stay insured thereafter.
Loyalty Rewards from Year 6: You can avail of loyalty additions starting from the 6th year, which enhances the value of your investment over time.
Assured Maturity Benefits with Potential Returns: The plan allows you to secure guaranteed maturity benefits while enjoying the potential for higher returns on your payments.
Tailored Investment Choices: You can customise your investment strategy by choosing between debt or equity funds based on your specific financial goals and risk tolerance.
The HDFC Life Wealth Builder Plan is a single premium Unit Linked Insurance Plan (ULIP) that offers you the option to pay a one-time lump-sum amount and the flexibility to choose a maximum life insurance cover of 10 times the single premium.
Complete Financial Solution: You can consider this plan if you seek a plan that safeguards your family financially in your absence while building a savings corpus over 5 or 10 years.
Single Premium Payment Options: The plan offers you the convenience of paying just one premium. You can choose a policy maturity of either 5 or 10 years to tailor it to your preferences.
Diverse Fund Choices with Free Switching: You can choose from 8 unit-linked funds and benefit from unlimited free switches.
Mortality Charges Refund: You can receive a refund of 50% of mortality charges upon maturity for a 10-year policy term.
HDFC Life Wealth Elite Plan is a unit-linked insurance plan (ULIP) that offers market-linked returns along with life insurance cover. It is designed for High-Net-worth Individuals (HNIs) who are looking for a long-term wealth creation solution.
Efficient Wealth Creation: This plan is ideal for investors seeking effective wealth creation with a focus on higher financial protection as family responsibilities increase over time.
Diverse Fund Selection: You can choose from 8 fund options. It allows flexibility to align your investments with your financial goals and risk tolerance.
Complete Death Benefit Coverage: The plan provides you with comprehensive death benefits. This ensures robust financial protection for your family and provides peace of mind as your responsibilities evolve.
HDFC Life Wealth Maxima Plan is a unit-linked insurance plan (ULIP) that offers the dual benefit of life insurance and wealth creation. It provides flexibility to choose from 3 plan options with different levels of life cover and investment growth potential.
Tailored Plans for Every Life Stage: The plan offers you 3 plan options that are designed to meet your specific life stage needs.
Full-Spectrum Life Coverage: You can enjoy a comprehensive life cover that provides robust protection. It gives you and your loved ones peace of mind.
Adaptable Investment Strategies: The plan provides you with 3 investment strategies. They allow you to tailor your portfolio based on your individual risk appetite and financial goals.
Systematic Equity Benefits: You can leverage a systematic investment option to capitalise on the potential of equity markets.
The key steps you need to follow to purchase an HDFC Life ULIP Plan through Policybazaar are as follows:
Step 1: Visit the Policybazaar website:
Go to the official website of Policybazaar and click on the 'ULIP Plans' option on the homepage.
Step 2: Enter your details:
You will be prompted to enter some basic details like your name, date of birth, mobile number, email ID, and other relevant information.
Step 3: Compare plans:
Once you have entered your details, you will be shown a list of ULIP plans from different insurance companies. You can compare the plans based on various factors such as premium amount, sum assured, maturity benefits, and fund performance.
Step 4: Choose a plan:
After comparing the plans, select the HDFC Life ULIP plan that best suits your needs.
Step 5: Get a quote:
Enter the policy term, sum assured, and premium payment term to get a quote for the plan.
Step 6: Make a payment:
If you are happy with the quote, you can make a payment online using your debit card, credit card, or net banking.
Step 7: Policy documents:
Once your payment is processed, you'll receive the policy documents via email.
*All savings are provided by the insurer as per the IRDAI approved insurance
plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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