HDFC SIP Plans

List of Investment Funds

Top HDFC SIP Plans in 2025

HDFC offers a wide range of SIP plans across different categories of ULIP funds and mutual funds.

HDFC SIP Plans – ULIP Funds

Some of the best SIP plans offered by ULIP-based funds are listed below:

1. HDFC Life Opportunities Fund

   The HDFC Life Opportunities Fund is a fund offered under HDFC Life Unit Linked Insurance Plans (ULIP) that invests in companies with high growth potential, focusing on emerging sectors and market opportunities. It aims to provide long-term capital appreciation.

   Features of SIP in HDFC Life Opportunities Fund:

   • Investment Objective: Aim to provide long-term capital growth by investing in stocks with high growth potential across market sectors.

   • Launch Date: 05 January 2010

   • Asset Allocation (as of January 13 2025): Equity (96.62%), Money Market Instruments (3.39%), and Net Current Assets (-0.01%)

   • Benchmark Index: Nifty Midcap 100 Index

   • Fund Managers: Mr. Nishit Dholakia

   • Current NAV (as of January 13, 2025): ₹77.19

   • Tax Benefits: Premiums qualify for deductions under Section 80C, and maturity benefits are tax-free under Section 10(10D) of the Income Tax Act.

   • Life Cover: Offers life insurance protection to safeguard your family's financial future.

2. HDFC Life Discovery Fund

   The HDFC Life Discovery Fund is a ULIP-based investment plan. It is a value-oriented fund investing in undervalued stocks. It targets companies with strong fundamentals and the potential for long-term growth.

   Features of SIP in HDFC Life Discovery Fund:

   • Investment Objective: Focuses on delivering long-term returns through investments in undervalued companies with potential for business turnaround.

   • Launch Date: 03 September 2018

   • Asset Allocation (as of January 13 2025): Equity (92.21%) and Money Market Instruments (7.80%)

   • Benchmark Index: Nifty Midcap 100 Index

   • Fund Managers: Mr. Nishit Dholakia

   • Current NAV (as of January 13, 2025): ₹40.35

   • Tax Benefits: Premiums are eligible for Section 80C deductions, and maturity payouts are exempt from tax under Section 10(10D) of the Income Tax Act, if conditions are met.

   • Life Cover: Combines investment growth with life insurance for comprehensive financial security.

3. HDFC Life Diversified Equity Fund

   The HDFC Life Diversified Equity Fund is an investment option that invests across various sectors and market capitalizations. It aims to achieve steady growth while minimizing risks.

   Features of SIP in HDFC Life Equity Advantage Fund:

   • Investment Objective: Seeks to generate wealth over the long term by investing across various sectors and market capitalizations.

   • Launch Date: 01 January 2014

   • Asset Allocation (as of January 13 2025): Equity (99.92%) and Net Current Assets (0.07%).

   • Benchmark Index: BSE 100 Index

   • Fund Managers: Kailash Lalwani and Priyank Singhal

   • Current NAV (as of January 13, 2025): ₹39.79

   • Tax Benefits: Save tax with deductions under Section 80C, and enjoy tax-free maturity proceeds under Section 10(10D), as per rules.

   • Life Cover: Ensures life insurance coverage alongside balanced investment growth.

4. HDFC Life Blue Chip Fund

   The HDFC Life Blue Chip Fund is a ULIP plan that primarily invests in large-cap companies with proven track records. It offers stable returns and lower risk for long-term investors.

   Features of SIP in HDFC Life Blue Chip Fund:

   • Investment Objective: Targets consistent returns by investing in large-cap companies with proven track records and strong market positions.

   • Launch Date: 05 January 2010

   • Asset Allocation (as of January 13 2025): Equity (99.74%) and Money Market Instruments (0.26%)

   • Benchmark Index: 05 January 2010

   • Fund Managers: BSE 100 Index

   • Current NAV (as of January 13, 2025): ₹49.16

   • Tax Benefits: Get Section 80C deductions for premiums paid and tax-free maturity benefits under Section 10(10D), subject to terms.

   • Life Cover: Includes life insurance to protect your family while building wealth.

5. HDFC Life Equity Plus Fund

   The HDFC Life Equity Plus Fund is an investment option that invests in a mix of equity and debt instruments. It aims to achieve growth with balanced risk for medium to long-term financial goals.

   Features of SIP in HDFC Life Equity Plus Fund:

   • Investment Objective: Combines equity and debt investments to provide balanced growth with lower risk over the medium to long term.

   • Launch Date: 24 June 2014

   • Asset Allocation (as of January 13 2025): Equity (99.43%), Money Market Instruments (0.35%), and Govt. Securities & Corporate Bonds (0.21%).

   • Benchmark Index: Nifty 50 Index

   • Fund Managers: Kailash Lalwani and Sumeet Hinduja.

   • Current NAV (as of January 13, 2025): ₹31.90

   • Tax Benefits: Avail tax deductions on premiums under Section 80C, and receive tax-free maturity benefits under Section 10(10D), provided conditions are fulfilled.

   • Life Cover: Offers life insurance protection while investing in stable, large-cap companies.

HDFC SIP Plans – Mutual Fund Schemes

Details of HDFC SIP Plans – Top 5 Mutual Fund Schemes

1. HDFC Infrastructure Fund

   The HDFC Infrastructure Fund focuses on investing in infrastructure-related sectors like construction and energy, aiming for long-term capital growth. It suits investors with high-risk tolerance and a long-term investment horizon.

   Features of SIP in HDFC Infrastructure Fund:

   • Investment Objective: Focuses on investing in infrastructure-related sectors to generate long-term capital appreciation.

   • Launch Date: December 10, 1999

   • Asset Allocation (as of March 12 2024): Equity (92.30%) and Money Market (5.80%)

   • Benchmark Index: S&P BSE India Infrastructure Index

   • Fund Managers: Mr. Srinivasan Ramamurthy & Mr. Dhruv Muchhal

   • Current NAV (as of January 31, 2024): ₹48.66

2. HDFC Mid Cap Opportunities Fund

   The HDFC Midcap Opportunities Fund invests primarily in mid-cap companies with strong growth potential, offering opportunities for wealth creation. It is ideal for investors seeking higher returns with moderate to high risk.

   Features of SIP in HDFC Mid Cap Opportunities Fund:

   • Investment Objective: Aim to deliver long-term growth by investing in quality mid-cap companies with strong potential.

   • Launch Date: December 10, 1999

   • Asset Allocation (as of January 10 2025): Equity (90.50%) and Money Market (9.50%)

   • Benchmark Index: NIFTY Midcap 150 Index

   • Fund Managers: Mr. Chirag Setalvid and Mr. Dhruv Muchhal

   • Current NAV (as of January 10 2025): ₹200.57

3. HDFC Credit Risk Debt Fund

   The HDFC Credit Risk Debt Fund invests in lower-rated corporate bonds with the potential for higher returns, balancing risk and income. It is suitable for conservative investors seeking stable returns over the medium term.

   Features of SIP in HDFC Credit Risk Debt Fund:

   • Investment Objective: Seeks regular income by investing in corporate bonds with higher credit risk and attractive yields.

   • Launch Date: December 10, 1999

   • Asset Allocation (as of January 10 2025): Debt (91.30%) and Money Market (4.50%)

   • Benchmark Index: NIFTY Credit Risk Bond Index B-II Index

   • Fund Managers: Mr. Shobhit Mehrotra & Mr. Dhruv Muchhal

   • Current NAV (as of January 10 2025): ₹24.88

4. HDFC Balanced Advantage Fund

   The HDFC Balanced Advantage Fund is a dynamic fund that balances equity and debt investments based on market conditions, offering stability and growth. It caters to investors looking for long-term wealth creation with lower volatility.

   Features of SIP in HDFC Balanced Advantage Fund:

   • Investment Objective: Dynamically allocates between equity and debt to optimize returns while managing risks.

   • Launch Date: December 10, 1999

   • Asset Allocation (as of January 10 2025): Equity (53.70%), Debt (30.40%), and Money Market (14.80%)

   • Benchmark Index: Nifty 50 Hybrid Composite debt 50:50 Index

   • Fund Managers: Mr. Anil Bamboli, Mr. Gopal Agrawal, Mr. Arun Agarwal, Mr. Srinivasan Ramamurthy, Mr. Nirman Morakhia, & Mr. Dhruv Muchhal

   • Current NAV (as of January 10 2025): ₹527.71

5. HDFC Retirement Savings Fund Equity Plan

   The HDFC Retirement Savings Fund Equity Plan is for retirement planning. This equity-focused plan aims to build a corpus for long-term financial security. It is suitable for individuals with long-term goals and moderate to high risk appetite.

   Features of SIP in HDFC Retirement Savings Fund Equity Fund:

   • Investment Objective: Designed for long-term wealth creation, focusing on equity investments for retirement planning.

   • Launch Date: Dec 10, 1999

   • Asset Allocation (as of January 10 2025): Equity (89.40%) and Money Market (9.60%)

   • Benchmark Index: NIFTY 500 Index

   • Fund Managers: Mr. Shobhit Mehrotra, Mr. Srinivasan Ramamurthy, & Mr. Dhruv Muchhal

   • Current NAV (as of January 10 2025): ₹54.26

Benefits of Investing in HDFC SIP Plans

The best SIP Plans offered by HDFC investment options provide various benefits, such as follows:

• SIPs instill financial discipline by promoting regular investing.

• They help average out investment costs over time, reducing the impact of market volatility.

• SIPs offer flexibility, allowing investors to start with a low amount and adjust investments according to their financial situation.

• They harness the power of compounding for long-term wealth accumulation.

• HDFC SIP plans enable effective portfolio diversification across various asset classes and risk profiles.

• HDFC SIP Calculator provides a handy online financial tool for you to estimate potential returns and plan your investment strategies effectively.

• Experienced fund managers manage investments, potentially optimizing returns.

• SIPs offer convenience through automated investing via ECS mandates.

• Ideal for achieving long-term financial goals such as retirement planning or education funding.

• HDFC SIP plans ensure transparency by providing regular updates on fund performance.

• Depending on the investment type and duration, investors may enjoy tax benefits under applicable sections of the Income Tax Act.

Summing It Up

HDFC SIP plans offer a convenient and disciplined approach to investing in market-linked funds, allowing you to achieve your financial goals through regular and systematic contributions. With a diverse range of investment options and the flexibility to start with minimal amounts, HDFC SIP plans empower you to build wealth over time while mitigating market volatility.