HDFC Life ULIP Plans combine life insurance with market-linked investments, offering dual benefits of financial protection and wealth creation. These plans provide flexibility in choosing funds based on risk appetite, along with options for premium payments and fund switching. With tax benefits under Sections 80C and 10(10D), HDFC ULIPs cater to long-term goals like retirement, education, and wealth accumulation.
Top performing plans˜ with High Returns**
Invest ₹10K/month & Get ₹1 Crore# returns
Fund Details |
Fund Size |
NAV |
5 Year |
7 Year |
10 Year |
|
|---|---|---|---|---|---|---|
 High Growth Fund
Fund Size: 10,554 Cr
|
10,554 Cr |
116.45 -0.27% |
28.6% Highest Returns |
21.1% |
17.8% |
Get Details |
 India Consumption Fund
Fund Size: 2,211 Cr
|
2,211 Cr |
63.11 -0.15% |
27.04% Highest Returns |
21.38% |
20.21% |
Get Details |
 Accelerator Mid-Cap Fund II
Fund Size: 5,681 Cr
|
5,681 Cr |
82.2 -0.26% |
20.99% Highest Returns |
12.88% |
14.99% |
Get Details |
 Opportunities Fund
Fund Size: 36,935 Cr
|
36,935 Cr |
77.31 -0.08% |
22.26% Highest Returns |
14.98% |
14.74% |
Get Details |
Best ULIP Funds - Consider the best performing ULIP funds to invest in 2025 with Policybazaar. Find the list of best ULIP funds in India on the basis of Returns, Latest Nav, Fund Size and Categories
Returns as on 15-09-2025. The returns are the returns of best-performing fund in the plan
Disclaimer :
˜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
Flexible Investment Options: Allows you to choose from a variety of investment funds based on your risk tolerance and financial goals.
Market-Linked Returns: Returns are linked to the performance of selected funds in the financial market.
Premium Allocation Charges: Applicable charges for allocation of premiums towards investment funds.
Partial Withdrawal: Allows partial withdrawal of funds after completion of the lock-in period of 5 years.
Top-up Premiums: Option to make additional premium payments to enhance investment.
Switching Option: Allows you to switch between funds based on market conditions or changing risk preferences.
Tax Benefits: Eligible for tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961.
Death Benefit: Provides a lump sum or periodic payment in case of your demise.
Maturity Benefit: Receives the fund value on policy maturity, subject to terms and conditions.
Option to Enhance Sum Assured: Offers the flexibility to increase the sum assured at certain policy intervals.
The HDFC Life Smart Protect Plan is a unit-linked insurance plan (ULIP) that offers both protection and long-term savings benefits.Â
Enhanced Returns on Charges: You can experience a return of 2X to 3X on Mortality Charges from the 11th policy year onwards, which ensures value addition to your fund.
Premium Allocation Charge Refund: It allows you to enjoy a refund of 2X Premium Allocation Charge from the 10th to 13th policy years. This helps in boosting your overall returns.
Fund Management Charge Rebate: You receive a refund of the Fund Management Charge (FMC) on maturity. It allows you to maximise your investment gains.
Investment Guarantee Charge Return: You can get back 2X of the Investment Guarantee Charge upon maturity. This enhances your overall investment outcome.
People also read: What is ULIP
HDFC Life Sampoorn Nivesh Plan is an insurance cum investment plan that combines the security of insurance with the growth potential of investments.Â
Accidental Death Coverage: If the insured faces accidental death, the plan provides an extra sum assured to the nominee for added financial protection.
Loyalty Additions: The plan boosts your fund value with Loyalty Additions after 10 years. This helps in enhancing your overall returns.
Free Policy Flexibility: You can enjoy the freedom of 4 free Fund Switches and Future Premium Redirection in a policy year. These features give you control over your plan.
Financial Flexibility: You have the option to make partial withdrawals from your funds to meet financial emergencies.
HDFC Life ProGrowth Plus is a Unit-Linked Insurance Plan (ULIP) that offers life insurance coverage and the potential for market-linked returns.Â
Diverse Fund Options: You can choose from 10 funds based on your risk tolerance and investment preferences.
Accidental Death Benefit: In the unfortunate event of accidental death, an additional sum assured is paid to the nominee.
Partial Withdrawal Option: ProGrowth Plus allows you to make partial withdrawals in need of an emergency.
HDFC Life Click 2 Wealth Plan is a Unit-Linked Insurance Plan (ULIP) that combines the dual benefits of life insurance coverage and the potential for wealth creation through market-linked investments.
Diverse Investment Options: You select from 11 funds and enjoy unlimited free switches to optimise your investment strategy.
Special Premium Addition: You can avail of the benefit from a 1% premium addition to your fund for the initial 5 years. This gives your investment a valuable boost.
Premium Waiver Option: The plan allows you to choose security for your loved ones – with the premium waiver option.Â
Post-Retirement Income: You can plan for your post-retirement life by opting for systematic withdrawal from your funds.
HDFC Life Click2Invest ULIP is a unit-linked insurance plan (ULIP) that offers market-linked returns along with life insurance cover.Â
Tailored Investments: You can pick from 11 fund options that align with your investment preferences for a personalised approach.
Flexible Payouts: The plan provides your fund value at maturity or in periodic instalments, as per your specific financial needs.
Premium Flexibility: The plan allows you to choose how you pay. You can opt for regular premiums or go for a limited period of 5, 6, 7, 8, 9, or 10 years. Alternatively, you can make a one-time payment with the Single Pay option.
Emergency Fund Access: The plan empowers you to face your financial emergencies with confidence. You can exercise the option to make partial withdrawals from your funds when needed.
The HDFC Life ProGrowth Flexi Plan is a Unit Linked Insurance Plan (ULIP) designed to provide financial security and the potential for market-linked growth. It caters to individuals seeking flexibility, choice, and the opportunity to build wealth alongside life cover.
Extra Protection for Accidents: The plan provides you with an additional sum assured in the event of accidental death. This enhances your coverage for unforeseen circumstances.
Diverse Fund Choices: You can choose from 10 fund options. This allows you to tailor your investments based on your preferences and financial goals.
Flexible Life Coverage: You can choose a sum assured of up to 40 times your annual premium.Â
Financial Emergency Support: You can exercise the option to make partial withdrawals from your funds.
The following ULIP plans are no longer available for new purchases, as they were discontinued with effect from May 31, 2025:
The key steps you need to follow to purchase an HDFC Life ULIP Plan through Policybazaar are as follows:
Step 1: Visit the official Policybazaar website and go to the ‘ULIP Plans’ section.
Step 2: Enter your basic details like name, date of birth, and contact information.
Step 3: Compare available ULIP plans based on premiums, benefits, and fund performance.
Step 4: Select the HDFC Life ULIP plan that fits your needs.
Step 5: Enter policy term and coverage details to get a personalized quote.
Step 6: Make your payment securely online via card or net banking.
Step 7: Receive your policy documents by email after payment confirmation.
*All savings are provided by the insurer as per the IRDAI approved insurance
plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^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.
^^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.
˜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
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