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HDFC Life Launches Click2Invest - ULIP
This one of a kind plan is quite cost effective as it invests 100% of the premium and only charges fund management fee HDFC Life, India’s popular life insurance company in online term space recently launched Click2Invest - ULIP, a specialized online Unit Linked Insurance plan that provides not only financial protection but also a variety of investment options.
ULIP Plans
- Take the first step to ₹1 Crore
- Plans delivering up to 18% CAGR
- 100% online, Zero paperwork
- Expert help at no extra cost
- 4.8++ Rated
- 15.8 Crore Registered Consumer
- 53 Partners Insurance Partners
- 7.16 Crore Policies Sold
We are rated++
15.8 Crore
Registered Consumer
53
Insurance Partners
7.16 Crore
Policies Sold
Inbuilt Life Cover
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- HDFC Life Launches Click2Invest - ULIP
This pioneer plan is very cost effective as it invests 100% of the premium and only charges fund management fee (1.35%) and a risk premium for mortality cover. On this aspect, it gives tough competition to ELSS Mutual funds & at the same time keeps all the flexibilities offered by ULIPs. Click2Invest provides the option of eight funds for investment keeping in mind the market behavior, time horizon, and most importantly the needs of the customer.
IRDA brought up its customer focused regulatory changes by implementing Charge Cap regulations in 2010 making ULIPs cost efficient compared to earlier versions and now HDFC Life has taken a bigger leap by launching Click2Invest. After gaining leadership in the online term category, the company realized the need to launch a savings plan that will enhance the investment made by the customer. Click2Invest aims to pass on all advantages of investment and insurance to customers thereby allowing them to become informed and benefited customers.
This plan also offers the benefit of premium payment options of Single Pay, 5 Pay, 7 Pay, 10 Pay or Regular Pay. The important thing to remember is that the overall charge structure in this plan is such that 100% of your premium is invested in the funds chosen by you, and before committing funds, it helps to compare the best SIP plans based on returns, risk, and consistency, ensuring clarity around costs and returns. There are no policy administration and discontinuance charges. Charges include only FMC @ 1.35% p.a of your fund value and mortality charge depending upon the age and level of cover which in the long run reduces as your fund grows and invariably help you in creating wealth.
Other key features of this plan include:
Premium Payment options of
Single
Limited: 5 years, 7 years, 10 years
Regular: same as your policy term
Minimal Charges
Premium allocation charge – Nil. 100% of your premiums are invested
Policy administration charge – Nil
Policy Discontinuance charge – Nil
Fund Management Charge – 1.35% p.a. of the fund value charged regularly
Mortality Charge – levied every month for offering you death benefit in your policy depending upon the age and level of cover. This charge will be taken by subtracting units proportionately from each of the fund(s) you have opted for
Choosing from a range of 8 fund options
Tax exemption under Sec 80C and Sec 10(10D) of IT Act, 1961, and offers the benefit of EEE structure wherein no tax is levied on the maturity amount
Latest ULIP NAVs
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| SBI Life Balanced Fund | ₹72.44 | ₹20074 Cr | 6.07% | 8.66% | |
| SBI Life Bond Fund | ₹51.7 | ₹15833 Cr | 5.36% | 6.24% | |
| SBI Life Equity Fund | ₹193.19 | ₹81626 Cr | 7.6% | 10.53% | |
| SBI Life Equity Optimiser Fund | ₹54.1 | ₹2606 Cr | 7.81% | 10.22% | |
| SBI Life Growth Fund | ₹93.14 | ₹2868 Cr | 6.75% | 9.89% | |
| SBI Life Money Market Fund | ₹37.69 | ₹489 Cr | 6.02% | 5.9% | |
| SBI Life Top 300 Fund | ₹55.13 | ₹1977 Cr | 6.78% | 10.73% | |
| SBI Life Pure Fund | ₹28.31 | ₹1226 Cr | 7.18% | 9.9% | |
| SBI Life Bond Optimiser Fund | ₹22.75 | ₹3237 Cr | 6.46% | - | |
| SBI Life Bluechip Fund | ₹9.81 | ₹3588 Cr | - | - | |
| SBI Life Balanced Pension | ₹72.92 | ₹857 Cr | 6.55% | 9.53% | |
| SBI Life Bond Pension | ₹45.92 | ₹551 Cr | 5.3% | 6.49% | |
| SBI Life Equity Pension | ₹74.38 | ₹13320 Cr | 8.01% | 11.21% | |
| SBI Life Growth Pension | ₹73.7 | ₹680 Cr | 7.51% | 10.47% | |
| SBI Life Money Market Pension | ₹34.83 | ₹158 Cr | 5.98% | 5.88% | |
| SBI Life Equity Optimiser Pension | ₹58.7 | ₹1063 Cr | 8.07% | 11.1% | |
| SBI Life Top 300 Pension | ₹54.69 | ₹758 Cr | 7.14% | 11.04% | |
| SBI Life Midcap Fund | ₹52.02 | ₹64561 Cr | 15.2% | 16.18% | |
| SBI Life Corporate Bond Fund | ₹16.8 | ₹1028 Cr | 5.27% | - | |
| SBI Life Equity Elite II | ₹50.88 | ₹11905 Cr | 6.91% | 9.87% | |
| SBI Life Index | ₹45.24 | ₹90 Cr | 6.63% | 10.14% | |
| SBI Life Index Pension | ₹47.26 | ₹24 Cr | 6.69% | 10.2% | |
| SBI Life Discontinued Policy Fund | ₹26.03 | ₹10739 Cr | 5.65% | 5.88% | |
| SBI Life Equity Elite | ₹85.45 | ₹12 Cr | 9.04% | 12.56% | |
| SBI Life P-E Managed | ₹38.53 | ₹198 Cr | 7.41% | 8.81% | |
| SBI Life Guaranteed Pension GPF070211 | ₹27.12 | ₹1 Cr | 5.11% | 5.88% | |
| SBI Life Bond Pension II | ₹23.94 | ₹28523 Cr | 5.11% | 5.84% | |
| SBI Life Equity Pension II | ₹40.53 | ₹11525 Cr | 6.67% | 10.41% | |
| SBI Life Money Market Pension II | ₹21.25 | ₹1499 Cr | 5.74% | 5.62% | |
| SBI Life Discontinue Pension Fund | ₹21.98 | ₹6316 Cr | 5.67% | - | |
| SBI Life Group Growth Plus Fund | ₹57.29 | ₹3 Cr | 6.65% | - | |
| SBI Life Group Debt Plus Fund | ₹41.12 | ₹115 Cr | 5.92% | - | |
| SBI Life Group Balance Plus Fund | ₹48.79 | ₹11 Cr | 6.28% | - | |
| SBI Life Group Balance Plus Fund II | ₹27.29 | ₹1218 Cr | 6.71% | - | |
| SBI Life Group Debt Plus Fund II | ₹26.76 | ₹337 Cr | 6% | - | |
| SBI Life Group Growth Plus Fund II | ₹26.98 | ₹295 Cr | 7.05% | - | |
| SBI Life Group Short Term Plus Fund II | ₹22.13 | ₹19 Cr | 6.09% | - | |
| SBI Life Group Money Market Plus Fund | ₹14.15 | ₹2 Cr | 3.31% | - | |
| SBI Life Group Balanced Pension Fund | ₹10.27 | ₹154 Cr | - | - |
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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
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
^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.
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^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.