The HDFC Life Top 300 Alpha 50 Pension Fund is an innovative retirement solution designed to maximize growth by investing in high-alpha stocks through a rules-based index approach. It aims to blend superior market potential with tax efficiency and flexibility, helping investors build a substantial retirement corpus with minimal management effort and reliable post-retirement income. The fund is available at a New Fund Offer (NFO) price of Rs. 10 per unit, with the NFO period from 1st to 17th August 2025 and NAV declaration on 18th August 2025.
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Plans starting from₹1000/month
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Investment Plans
Generate wealthEarn 1 Cr# in maturity with Zero LTCG tax¶
Double tax savings^On premiums (under 80C) and on maturity (under 10(10D))
The HDFC Life Top 300 Alpha 50 Pension Fund is a new-generation flexi-cap index pension fund offered by HDFC Life under its Smart Pension Plan. It is designed to help individuals build a robust retirement corpus through market-linked returns by investing in the top 50 stocks with the highest alpha—that is, stocks with the greatest potential to outperform the market—across large, mid, and small cap segments. The fund mimics the Nifty Alpha 50 Index, incorporating a rules-based, algorithm-driven investment process with no bias of a fund manager, ensuring objective stock selection and performance tracking.
Highlights of HDFC Life Top 300 Alpha 50 Pension Fund
Particulars
Details
Benchmark Index
Nifty Alpha 50 Index
Benchmark Index Returns
RSI: 21.46% p.a.
Risk Profile
High
NFO Launch Date
1st August 2025
NFO Duration
1st August – 17th August 2025
Current NAV
₹10
Reasons Why You Should Consider Investing in HDFC Life Top 300 Alpha 50 Pension Fund
Investing in the Nifty Alpha 50 Index Pension Fund offers several noteworthy advantages:
Superior Past Performance: Over the past decade, the Nifty Alpha 50 Index delivered an impressive 21.1% CAGR over 10 years and 30.1% CAGR over 5 years, significantly outpacing many conventional indices.
Growth Potential: An investment of Rs. 100 in the index would have grown nearly 6.78 times in 10 years, demonstrating long-term compounding benefits.
Higher Equity Exposure: The fund provides the flexibility to allocate up to 100% to equities—compared to NPS, which caps equity allocation at 75%—potentially leading to higher returns.
Tax Efficiency: Up to 60% of the retirement corpus can be withdrawn as tax-free lumpsum, a far better tax outcome compared to NPS, where only 20% is tax-free at vesting.
Loyalty Additions: For annual premiums of Rs. 1 lakh and above, the plan adds loyalty bonuses starting from the 10th policy year, further boosting retirement savings.
Sector Representation of Nifty Alpha 50 Index
Sector
Weight(%)
Financial Services
30.33
Capital Goods
16.23
Healthcare
12.67
Consumer Durables
11.97
Chemicals
6.28
Information Technology
5.11
Power
4.62
Services
4.33
Telecommunication
4.19
Consumer Services
3.60
Automobile and Auto Components
0.38
Oil, Gas & Consumable Fuels
0.30
How to Buy HDFC Life Top 300 Alpha 50 Pension Fund From Policybazaar?
To buy the HDFC Life Top 300 Alpha 50 Pension Fund from Policybazaar, follow these steps:
Step 1: Fill in your name and contact number in the form on this page to get started.
Note: Your details are kept confidential and will only be used to customize your benefits.
Step 2: You can also visit the plans just by clicking View Plans below
Step 3: Once logged in, you'll be prompted to fill in your city, age, and annual income in the provided form. This information will be used to check the personalised benefits of the plans.
Step 4: After providing your personal information, you'll be presented with HDFC Life Investment Plans on a blue and red card. Select the HDFC Life Top 300 Alpha 50 Pension Fund option that best suits your needs from the following options:
Step 5: In the HDFC Life Top 300 Alpha 50 Pension Fund, click the "Get Details" tab for more information.
You can also get FREE expert consultation; just click on the “Talk to an Expert” button.
Step 6: Review plan details carefully. Once satisfied, click the "Proceed" button and follow the prompts on the screen to move forward with the purchase.
Step 7: You will be prompted to enter essential details and specify the amount you want to invest. Select the preferred mode of payment for your investment.
Step 8: Provide your required KYC (Know Your Customer) details. This step is essential for regulatory compliance.
Step 9: Complete the payment process. Upon successful payment, you will receive confirmation of your purchase.
What are the Benefits of Purchasing the HDFC Life Top 300 Alpha 50 Pension Fund?
Investing via Policybazaar provides various advantages, including:
Ease of Access: Invest digitally in the HDFC Life Top 300 Alpha 50 Pension Fund without the hassle of visiting banks or agents.
Plan Comparison: Evaluate various investment options, including the latest funds, to make well-informed choices and secure competitive deals.
Professional Support: Benefit from expert advice to choose the NFO plan that aligns with your financial goals and requirements.
Tax Savings: Enjoy tax benefits under Section 80C and Section 10(10D) of the Income Tax Act by investing through Policybazaar.
FAQs
What kind of fund is the HDFC Life Top 300 Alpha 50 Pension Fund?
It is a flexi-cap index pension fund linked to the Nifty Alpha 50 Index, investing in the top 50 high-alpha stocks across market caps.
What are the tax benefits of investing in this pension fund?
Up to 60% of the retirement corpus can be withdrawn tax-free as a lump sum, providing better tax efficiency than many traditional pension plans.
Can I increase my investment after starting the plan?
Yes, many pension funds, including this one, allow top-ups or additional contributions, letting investors enhance their retirement corpus over time.
Can NRIs invest in the HDFC Life Top 300 Alpha 50 Pension Fund?
The policy is available to resident Indians and selected Non-Resident Indians (NRIs), subject to specific eligibility and regulatory guidelines.
˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 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 *Past 10 Year annualised returns as on 01-08-2025 *All savings plans 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
^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.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs. **Returns are based on past 10 years' fund performance data (Fund Data Source: Value Research).
Generate wealthEarn 1 Cr# in maturity with Zero LTCG tax¶
Double tax savings^On premiums (under 80C) and on maturity (under 10(10D))
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