Top performing plans^˜ with High Returns^**

Invest ₹10K/month & Get ₹1 Crore^# Tax-Free^*

+91
We don't spam

Your personal information is secure with us

By clicking on "View Plans" you agree to our Privacy Policy
and Terms of use

Get Updates on WhatsApp

We are rated⁺⁺

12.02 Crore

Registered Consumer

Insurance Partners

5.9 Crore

Policies Sold

HDFC NFO

HDFC NFOs refer to the New Fund Offers launched by HDFC Life, offering investors fresh opportunities to invest in emerging and thematic funds. These NFOs provide a way to invest at an initial fixed price with the potential for long-term capital appreciation. HDFC Life’s new funds, such as the Flexi Cap Fund, Midcap Momentum Fund, and Nifty Alpha 30 Fund, cater to different investor needs, blending dynamic investment strategies with the stability of life insurance.

Plans starting from ₹1000/month

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))
Compare & Choose 30+ Plans and 150+ Fund options

What are HDFC NFOs?

HDFC NFOs (New Fund Offers) are limited-period investment openings for newly launched funds by HDFC Life Insurance. Investors can subscribe units during this time at a fixed price, usually ₹10 per unit. After this subscription phase, units can be bought or sold at the prevailing Net Asset Value (NAV). These funds cover diverse themes and market caps, enabling investors to participate in fresh market trends with expert fund management and life insurance benefits.

Recent Available HDFC NFOs

HDFC Life Flexi Cap Fund: A dynamic equity scheme investing across large, mid, and small-cap stocks, aiming for long-term capital appreciation by leveraging opportunities across market caps.
HDFC Life Midcap Momentum Fund: Focuses on midcap companies with strong momentum and growth potential, designed for investors seeking exposure to this growth segment.
HDFC Life Nifty Alpha 30 Fund: Invests in the top 30 high-alpha stocks from the Nifty index, combining quality and performance with life insurance protection.
HDFC Life Dynamic Advantage Fund: A balanced fund blending equities and debt instruments to provide growth with moderate risk, suitable for diversified portfolios.
HDFC Life Top 300 Alpha 50 Fund: Targets 50 high alpha stocks from the top 300 companies, focusing on alpha generation through quality stock selection.
HDFC Life Top 300 Alpha 50 Pension Fund: Designed for retirement planning, this pension fund also invests in top-performing quality stocks with tax benefits and insurance coverage.

Why Invest in HDFC NFO?

Entry at a fixed initial price offering affordable access to new funds.
Exposure to emerging market themes and equity segments.
Managed by experienced fund managers focused on long-term returns.
Combines investment growth with life insurance security.
Enables portfolio diversification across sectors and market caps.
Certain funds offer tax-saving advantages under prevailing laws.

Advantages of Investing in HDFC NFOs

Below are the advantages of investing in NFO HDFC:

Early Access to New Strategies: NFOs often introduce novel fund concepts or investment themes that are not available in existing funds, allowing investors to benefit from fresh market opportunities.
Cost Efficiency: Early investors purchase units at a fixed initial price, often lower than the NAV that might prevail after the fund begins regular trading, potentially offering cost advantages.
Flexibility: HDFC offers a wide variety of funds in its NFOs, catering to investors with diverse risk preferences from aggressive growth to balanced investing.
Insurance Benefit Integration: Since these funds are launched by HDFC Life, many NFOs are linked with life insurance products (ULIPs), providing the dual benefit of investment growth and life cover.
Professional Fund Management: Experienced fund managers at HDFC rigorously monitor and manage the portfolio to meet investment goals and navigate market volatility.
Synergy with Retirement and Tax Planning: Certain recent NFOs like the Top 300 Alpha 50 Pension Fund are designed with retirement in mind and come with attendant tax incentives.

FAQs

Can I switch between funds after investing in an NFO?

Yes, ULIPs generally allow switching between different fund options (including from an NFO fund to others) subject to the policy’s terms. However, there could be limits on number of free switches, or there might be charges after free switches are used.
How is the NAV of the NFO fund determined?
- Initially, NAV for NFO units is generally set at a base price (often ₹10 per unit) when the fund is launched.
- Subsequent NAVs depend on the market performance of assets held in the fund after launch.
Is the premium paid towards HDFC Life NFO eligible for tax deduction?

Yes, the premiums paid under ULIP plans (including NFO-based funds) may qualify for tax deduction under Section 80C of the Income Tax Act, 1961, subject to an overall limit of ₹1.5 lakh in a financial year.
Are the maturity proceeds of HDFC Life NFO tax-free?
Maturity proceeds from ULIPs can be tax-exempt under Section 10(10D), provided the conditions are met:
- The annual premium does not exceed 10% of the sum assured (for policies issued after April 1, 2012).
- The policy is not terminated early.

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*Past 10 Year annualised returns as on 01-02-2026
*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).