HDFC Life Top 500 Multifactor 50 Fund is a newly launched equity-linked fund designed to provide long-term capital appreciation by investing in the top 50 stocks from the large, mid, and small-cap segments of the market, selected using a multifactor investment approach. The fund is open for subscription from 19th September to 30th September 2025. This fund aims to harness the power of multiple market factors such as Quality, Value, Momentum, and Low Volatility to create a diversified and resilient portfolio.
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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))
HDFC Life Top 500 Multifactor 50 Fund is a market-linked plan available through HDFC Life’s Click 2 Invest platform. The fund’s objective is to track the NIFTY 500 Multifactor 50 Index, which selects 50 best-performing stocks from NIFTY 500 constituents based on quantitative factors, thus ensuring exposure to various growth drivers in the equity market. This approach helps reduce portfolio volatility during market downturns while capturing upward trends during bull markets.
Highlights of HDFC Life Top 500 Multifactor 50 Fund
Particulars
Details
Benchmark Index
NIFTY 500 Multifactor 50 Index
Benchmark Index Returns
5-Year Returns: 21% p.a.
Risk Profile
High
NFO Period
19th Sep to 30th Sep
Current NAV
₹10
Reasons Why You Should Invest in HDFC Life Top 500 Multifactor 50 Fund
Market-Linked Plan with No Charges: The fund is available with zero premium allocation and policy administration charges, ensuring more of each premium is invested for long-term growth.
Proven Multifactor Approach: Multifactor investment strategies have historically demonstrated reduced downside risk and superior returns, as evidenced by the index’s outperformance during past market crashes and upcycles.
Attractive Returns: The NIFTY 500 Multifactor 50 Index has delivered a robust 10-year return of approximately 21% and 5-year return of nearly 28%, as of August 2025.
Flexibility and Special Additions: This plan features special additions of 1% of the premium allocated to the fund for the first five years, available across all growth, waiver of premium (WOP), and retirement plan variants.
What is the NIFTY 500 Multifactor 50 Index?
The NIFTY 500 Multifactor 50 Index is a smart beta benchmark that selects 50 top-performing stocks from the NIFTY 500 universe using four key factors: Quality, Value, Momentum, and Low Volatility. The methodology ensures that the portfolio adapts to changing market regimes, rotating into factors that are performing best in a given environment. This index has a strong track record of reducing volatility during bearish phases and outperforming during bull cycles, providing a balance of risk and returns for long-term investors.
NIFTY 500 Multifactor 50 Index With Other Indices
Index Name
5-year Return
RSI (20 years)
NIFTY 500 Multifactor 50 Index
28.1%
21%
NIFTY 50
18.2%
13.7%
NIFTY 100
18.5%
13.8%
NIFTY 200
19.9%
14.4%
NIFTY 500
20.6%
14.8%
Sector Representation of NIFTY 500 Multifactor 50 Index
Sector
Percentage
Financial Services
24.96%
Oil Gas & Consumable Fuels
14.69%
Fast Moving Consumer Goods
13.33%
Healthcare
12.62%
Automobile and Auto Components
12.04%
Chemicals
6.65%
Consumer Durables
3.95%
Services
3.64%
Textiles
2.20%
Metals & Mining
1.79%
Consumer Services
1.52%
Information Technology
1.24%
Capital Goods
1.37%
Companies of the NIFTY 500 Multifactor 50 Index
How to Buy HDFC Life Top 500 Multifactor 50 Fund from Policybazaar?
To buy the HDFC Life Top 500 Multifactor 50 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 500 Multifactor 50 Fund option that best suits your needs from the following options:
Step 5: In the HDFC Life Top 500 Multifactor 50 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 on 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 Investing in HDFC Life Top 500 Multifactor 50 Fund From Policybazaar?
Investing via Policybazaar provides various advantages, including:
Ease of Access: Invest digitally in the HDFC Life Top 500 Multifactor 50 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
When is the New Fund Offer (NFO) period for the fund?
The NFO period for the HDFC Life Top 500 Multifactor 50 Fund is from 19th September 2025 to 30th September 2025.
What is the investment objective of this fund?
The fund aims to provide long-term capital growth by investing in stocks selected through a multifactor quantitative model, offering diversified exposure across large, mid and small-cap companies within the NIFTY 500 index.
What are the benefits of investing in the multifactor index?
The multifactor strategy aims to reduce portfolio volatility during market downturns while capturing growth in upcycles. It offers a balanced exposure, risk mitigation, and a tendency for stable and superior risk-adjusted returns over market cycles.
˜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 01-10-2025 *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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