HDFC Life Top 500 Smart Value 50 Pension Fund The HDFC Life Top 500 Smart Value 50 Fund is a flexi-cap index fund that invests in 50 fundamentally strong companies currently available at attractive valuations. By replicating the BSE 500 Enhanced Value 50 Index, it aims to find "hidden winners" across the market. Designed around value investing principles, the fund targets buying stocks at low prices to generate wealth when their market value rises in the future. The NFO launches on 1st June 2026.
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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))
What is HDFC Life Top 500 Smart Value 50 Pension Fund?
The HDFC Life Top 500 Smart Value 50 Pension Fund is designed to replicate the BSE 500 Enhanced Value 50 Index without any stock selection bias from a fund manager. It scans a broader universe of 500 stocks, comprising 100 Largecap, 150 Midcap, and 250 Smallcap companies to carefully select the top 50 value stocks. The fund is rebalanced quarterly (in March, June, September, and December) and strictly follows the G.E.M.S. stock selection methodology:
Great Price: Buying stocks that are worth more than their current market price.
Established Brands: Choosing trusted names that have a proven long-term track record.
Money Makers: Selecting companies with the potential to deliver strong returns.
Strong Fundamentals: Ensuring the companies invested in are financially sound and well-managed.
Highlights of HDFC Life Top 500 Smart Value 50 Pension Fund
Particulars
Details
Benchmark Index
BSE 500 Enhanced Value 50 Index
Benchmark Index Returns
5-Year Returns: 28% p.a.
Risk Profile
High
NFO Period
1st-14th June 2026
Current NAV
₹10
Reasons Why You Should Invest in HDFC Life Top 500 Smart Value 50 Pension Fund
High Historical Index Returns: The underlying index (BSE 500 Enhanced Value 50) has delivered impressive historical returns, boasting a 28% return over 5 years and a 20% return over 10 years, which outperforms benchmarks like the BSE 50, BSE 100, and standard BSE 500 indices.
Proven Strategy: It capitalizes on the "Buy Low, Sell High" philosophy, allowing investors to purchase top-tier companies at a price lower than their actual market value.
Flexible Product Availability: The fund is available across various plan categories to suit different financial goals, including Capital Guarantee plans (Growth, Waiver of Premium, and Retirement variants) and low-cost ULIPs.
Cost-Effective Investment: The fund operates with a competitive Fund Management Charge (FMC) of just 1.35%.
Strong Parentage: You are investing with HDFC Life, one of the top two players in private life insurance by market share and revenue, featuring a healthy solvency ratio of 194%, an AUM of ₹3.7 Lakhs crores, and a 99.7% claim settlement ratio.
Sectoral Representation of BSE 500 Enhanced Value 50 Index
Sector
Representation (%)
Financial Services
35.12%
Energy
34.24%
Commodities
12.58%
Consumer Discretionary
7.11%
Industrials
4.13%
Services
3.87%
Fast Moving Consumer Goods
1.87%
Utilities
1.06%
How to Buy HDFC Life Top 500 Smart Value 50 Pension Fund from Policybazaar?
To buy the HDFC Life Top 500 Smart Value 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 500 Smart Value 50 Pension Fund option that best suits your needs from the following options:
Step 5: In the HDFC Life Top 500 Smart Value 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 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 the HDFC Life Top 500 Smart Value 50 Pension Fund from Policybazaar?
Investing via Policybazaar provides various advantages, including:
Ease of Access: Invest digitally in the HDFC Life Top 500 Smart Value 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
Does the fund manager choose the stocks?
No, this is an index fund. HDFC Life simply replicates the BSE 500 Enhanced Value 50 Index, meaning it invests in the exact constituents declared by the BSE, removing any fund manager stock selection bias
What is the core investment strategy of the HDFC Top 500 Smart Value 50 Fund?
The fund follows a "Buy Low, Sell High" value investing philosophy. It is a flexi-cap index fund that replicates the BSE 500 Enhanced Value 50 Index, meaning it automatically invests in 50 fundamentally strong companies currently trading at prices lower than their actual market value. The goal is to accumulate these hidden winners at an attractive price and generate wealth when their market prices eventually rise.
Are there "Zero Cost" options to invest in this fund?
Yes. Certain ULIP plans tied to this fund, such as the C2I Plus – Growth Classic and the C2I Plus – Classic Waiver Plus, act as "Zero Cost ULIPs." This means they feature ZERO Premium Allocation Charges and ZERO Policy Administration Charges, ensuring that 100% of your premium goes directly into buying units. The C2I Plus - Loyalty Plus operates as a "First Year Zero Cost Product".
An Aditya Birla ULIP Calculator is an online tool that helps you achieve your financial goals at your desired
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˜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 01-06-2026 *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).
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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