HDFC Life Opportunities Fund is an open-ended investment plan that seeks to grow your wealth over the long term by investing in a mix of equity (30%-60%) and debt instruments. It actively identifies promising companies of any size to maximise growth potential while managing risk. This flexible approach aims to provide both capital appreciation and regular income for investors with medium- to long-term goals.
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HDFC Life Opportunities Fund is an open-ended investment scheme designed to generate long-term capital appreciation and income by investing in a diversified portfolio comprising both equity and debt instruments. The fund’s investment strategy involves allocating 30% to 60% of its assets to equities, while the remainder is invested in debt market instruments, allowing for a balanced approach to growth and risk management.
A key feature of this fund is its flexibility to invest in companies of all sizes, focusing on those with strong growth potential, regardless of their market capitalization. This broad investment universe enables the fund to capture emerging opportunities across various sectors and market conditions. The primary objective is to provide investors with long-term capital appreciation along with current income, making it suitable for those seeking wealth creation over an extended period.
The fund aims to generate long-term capital appreciation by investing predominantly in mid-cap stocks that are likely to become blue chips in the future and can be used for planning for retirement.
Investments are made in stocks with a market capitalization equal to or lower than the highest weighted stock in the NSE CNX Midcap Index.
The fund may also allocate up to 20% of its portfolio to money market instruments or cash.
Parameter | Details |
Fund Name | HDFC Life Opportunities Fund |
Launch Date | 05 Jan, 2010 |
Benchmark | NIFTY MidCap 100 |
HDFC Blue Chip Fund NAV | Rs. 71.47 (as of 25-04-2025) |
AUM | Rs. 3,481,795.48 |
Period | Returns (%) | Benchmark Returns |
Inception | 13.60% | 13.36% |
10 Years | 13.81% | 14.80% |
7 Years | 13.54% | 15.58% |
5 Years | 27.38% | 34.58% |
3 Years | 15.35% | 20.28% |
2 Years | 25.37% | 31.16% |
1 Year | 7.07% | 7.48% |
6 Months | -12.80% | -14.10% |
1 Month | 7.64% | 7.84% |
Equity | % to Fund |
Federal Bank Limited | 2.55% |
Coforge Limited | 2.29% |
The Indian Hotels Company Ltd | 2.04% |
Max Healthcare Institute Limited | 1.95% |
Persistent Systems Ltd. | 1.87% |
Cummins India Ltd. | 1.74% |
Bombay Stock Exchange Ltd | 1.73% |
PB Fintech Limited | 1.72% |
Lupin Limited | 1.72% |
Max Financial Services Limited | 1.71% |
Type: Unit Linked Insurance Plan (ULIP)
Features: Combines life insurance with market-linked investment opportunities. Offers 8 fund options (equity, debt, balanced) to suit different risk profiles.
Entry Age: 30 days to 65 years
Policy Term: 5 to 40 years
Premium Payment: Flexible modes- monthly (min ₹1,000), quarterly, half-yearly, annual, or single premium. No upper premium limit.
Benefits: Maturity benefit (fund value as lump sum), death benefit (sum assured or fund value), tax benefits, and flexibility to switch funds.
Type: Savings-cum-insurance ULIP
Features: Offers two options- Life (death benefit) and Extra Life (death + accidental death benefit).
Entry Age: 14–65 years (Life); 18–55 years (Extra Life)
Policy Term: 10–30 years
Premium Payment: Monthly (min ₹2,500), half-yearly, annual
Benefits: Fund value at maturity, partial withdrawals after 5 years, tax benefits, settlement option for payouts, flexibility to change premium term, and choice of investment funds.
Type: Single Premium ULIP
Features: Three investment options- Highest NAV Guarantee Fund (guarantees highest NAV in first 7 years or ₹15, whichever is higher), Free Asset Allocation (choice of 5 funds), Capital Guarantee Fund (minimum guaranteed NAV).
Benefits: On maturity, fund value is paid. On death, higher of fund value or sum assured is paid. Riders available: Critical Illness, Accidental Death, Accidental Total and Permanent Disability.
Type: Regular premium ULIP
Features: Flexibility to choose investment funds and premium payment frequency (annual, half-yearly, quarterly, monthly).
Entry Age: 14–65 years
Policy Term: 10–30 years
Benefits: Maturity benefit (fund value), death benefit (higher of fund value or sum assured), partial withdrawals after 5 years, customizable investment strategies.
Type: ULIP focused on child’s future needs
Features: Customizable with choice of annual premium, sum assured, and investment options. Hassle-free issuance with minimal medical requirements.
Benefits: Financial protection for the child's future, annual payouts to beneficiaries upon policyholder’s death, flexible fund management, and tax benefits.
The HDFC Life Opportunities Fund targets investments in sectors and asset classes-primarily equities and some debt-that offer significant growth potential, aiming to maximize returns for investors.
The fund invests across a wide range of sectors and companies, reducing concentration risk and enhancing the potential for consistent returns over tim.
The primary objective is to generate long-term capital appreciation along with current income, making it suitable for investors with medium- to long-term financial goals.
As part of HDFC Life’s ULIP offerings, investors can switch between funds, make partial withdrawals after a lock-in period, and tailor their investment strategy to changing goals and market conditions.
Investments in the Opportunities Fund via ULIPs may offer tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961, subject to prevailing tax laws.
The fund is managed by experienced professionals who actively monitor market trends and adjust the portfolio to capitalize on emerging opportunities.
The HDFC Life Opportunities Fund offers a balanced investment approach by combining equity and debt instruments to generate long-term capital growth and income. Its flexibility to invest across companies of varying sizes with strong growth potential makes it suitable for investors looking for steady wealth creation while managing risk effectively. This fund is ideal for those with medium- to long-term financial goals seeking both growth and stability.
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. 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. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
^^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.