Take a look at how the Combi Plan work
Why
COMBI
7.5 Lakh is the maximum we can
Invest to get Tax Free returns
under 1010D.
FUND RETURNS AS ON 31-01-2025
Fund Inception NAV as on Last One Last Three Last Five Last Seven Last Ten Since
HDFC LIFE FUNDS Date 31-01-2025 Year Years years year Years Inception
Blue Chip Fund 5th Jan 2010 48.26 9.93% 11.39% 15.04% 11.68% 11.37% 11.00%
Opportunity Fund 5th Jan 2010 71.84 11.51% 15.42% 19.26% 13.22% 14.14% 13.97%
Diversified Equity Fund
1st July 2014 39.15 10.21% 12.09% 16.36% 12.60% 13.03% 13.75%
(Sanchay PAR)
Equity Plus Fund 24th June 2014 31.43 8.27% 11.39% 15.40% 11.77% 10.55% 11.39%
Discovery Fund 3rd Sept 2018 37.57 15.87% 18.17% 26.53% NA NA 22.91%
Equity Advantage Fund 7th Feb 2019 26.32 10.53% 14.33% 19.23% NA NA 17.55%
Flexi Cap Fund 26th Oct 2023 14.18 11.59 NA NA NA NA 31.74%
Balanced Fund 8th Sept 2010 37.86 9.45% 9.09% 11.52% 9.22% 9.08% 9.68%
Income Fund 5th Jan 2010 28.34 8.18% 5.36% 5.57% 6.03% 6.22% 7.15%
Bond Fund 23rd June 2014 20.44 8.42% 5.60% 5.69% 6.33% 6.15% 6.97%
Conservative Fund 11th July 2014 19.23 6.87% 5.13% 5.27% 5.78% 5.94% 6.38%
HDFC Life Top Funds Details
Asset Class
Money Market
HDFC Instruments Government
Risk &
LIFE SFIN Details Cash & Securities,
Deposits & Fixed Income
Equity RETURNS
RATING
Liquid Mutual Securities
FUND Fund
Fund Composition
ULIF05301/08/13E The Equity Plus Fund aims at least 80% of the equity exposure to be limited to Nifty constituent stocks at any point in time and the balance of the equity 80% to
Equity Plus Fund 0% to 20% 0% to 20% Very High
quityPlus101 exposure in non-Nifty constituent stocks 100%
Diversified ULIF05501/08/13D The Diversified Equity Fund aims to generate long term capital appreciation by investing in high potential companies across the market cap spectrum 60% to
0% to 40% 0% to 40% Very High
Equity Fund ivrEqtyFd101 while taking active asset allocation calls in Equity, government securities, Money Market Instruments, Cash etc 100%
The fund aims to provide medium to long term capital appreciation by investing in a portfolio of pre-dominantly large cap companies which can perform
ULIF03501/01/10B 80% to
BlueChip Fund through economic and market cycles. The fund will invest at least 80% of the AUM in companies which have a market capitalization greater than the 0% to 20% 0% Very High
lueChipFd101 100%
company with the least weight in BSE100 index. The fund may also invest upto 20% in money market instruments/cash.
The fund aims to generate long term capital appreciation by investing pre-dominantly in mid cap stocks which are likely to be the blue chips of tomorrow.
Opportunities ULIF03601/01/10 80% to
The fund will invest in stocks which have a market capitalization equal to or lower than the market capitalization of the highest weighted stock in the NSE 0% to 20% 0% Very High
Fund OpprtntyFd101 100%
CNX Midcap Index. The fund may also invest upto 20% in money market instruments/cash.
ULIF03901/09/10B Moderate to
Balanced Fund To invest in Debt and Equity securities so as to combine the stability of Debt instruments with the long term capital appreciation potential of Equities. 0% to 20% 0% to 60% 40% to 80%
alancedFd101 High
Fund managers use a mix of market analysis and stock selection to determine allocations. They assess market conditions, economic indicators, and
ULIF07114/07/23F 80% to
Flexi Cap Fund company valuations to decide the right balance between large-cap, mid-cap, and small-cap stocks. Flexi Cap funds offer high diversification by spreading 0% to 20% 0% to 20% Very High
lexiCapFd101 100%
investments across different market segments.
ULIF05601/08/13B The Bond Fund aims to dynamically manage the allocation between government securities, Fixed Income instruments, Money Market instruments and
Bond Fund 0% to 60% 40% to 100% 0% Moderate
ond Funds101 Cash with the intent to dynamically manage the duration at a level that delivers superior risk adjusted returns
The Fund aims to deliver long term growth of capital by investing predominantly in mid-cap companies. The fund will invest up to 100% in mid-cap stocks
which are defined as stocks with market cap falling within the market capitalisation range in the underlying benchmark Nifty free float midcap index
ULIF06618/01/18D 90% to
Discovery Fund (getting renamed as Nifty Midcap 100 index). The fund can also invest up to 25% of the portfolio in stocks falling outside the mid-cap index market cap 0% to 10% 0% to 10% Very High
iscvryFnd101 100%
range. The fund may also invest up to 10% of the portfolio in fixed income instruments, money market instruments, cash, deposits and liquid mutual
funds.
Equity ULIF06723/03/18E Long term capital growth through diversified investments in companies across the market capitalisation spectrum. Upto 20% of the fund may be invested 80% to
0% to 20% 0% to 20% Very High
Advantage Fund qtyAdvtFd101 in Fixed income instruments, money market instruments, cash, deposits and Liquid mutual funds. 100%
Top 500
ULIF07702/12/24T The Fund aims to generate long-term capital appreciation from a portfolio that is aligned to constituents of index which consists of 50 stocks selected 90% to
Momentum 50 0% to 10% 0% to 10% Very High
op500MoPF101 from top 500 stocks based on Momentum score. The weight of the stock in the index is further based only on free float market capitalization 100%
Fund
SMART ADVANTAGE PLUS - Sanchay Par Advantage & Sampoorn Nivesh COMBO
Age 35Years Term 20 Years
Payout from Total Benefits inc CB,
In Sampoorn Premium Total Payout Maturity Benefit + Returns in
COMBI Total In Sanchay 1st Year PAR at 8% IRR and
Nivesh Payment throughout Terminal Bonus Sampoorn Nivesh
Premium Investment PAR currently at Equity at 15%
(Equity) Term term in PAR Assumed at 8% IRR Assumed at 15%
8% (Assumed)
₹ 7,50,000 ₹ 37,50,000 ₹ 5,00,000 ₹ 2,50,000 5 Years ₹ 86,450 ₹ 17,29,000 ₹ 61,79,647 ₹ 1,57,73,000 ₹ 2,36,81,647
₹ 6,00,000 ₹ 30,00,000 ₹ 4,00,000 ₹ 2,00,000 5 Years ₹ 67,340 ₹ 13,46,800 ₹ 50,25,185 ₹ 1,26,19,000 ₹ 1,89,90,985
₹ 5,00,000 ₹ 25,00,000 ₹ 3,33,334 ₹ 1,66,667 5 Years ₹ 56,117 ₹ 11,22,340 ₹ 41,87,652 ₹ 1,05,15,000 ₹ 1,58,24,992
₹ 4,00,000 ₹ 20,00,000 ₹ 2,66,667 ₹ 1,33,333 5 Years ₹ 44,893 ₹ 8,97,860 ₹ 33,50,145 ₹ 84,13,000 ₹ 1,26,61,005
₹ 3,60,000 ₹ 18,00,000 ₹ 2,40,000 ₹ 1,20,000 5 Years ₹ 40,404 ₹ 8,08,080 ₹ 30,15,111 ₹ 75,71,000 ₹ 1,13,94,191
₹ 3,00,000 ₹ 15,00,000 ₹ 2,00,000 ₹ 1,00,000 5 Years ₹ 33,670 ₹ 6,73,400 ₹ 25,12,592 ₹ 63,10,000 ₹ 94,95,992
₹ 2,00,000 ₹ 10,00,000 ₹ 1,33,333 ₹ 66,667 5 Years ₹ 21,840 ₹ 4,36,800 ₹ 17,02,210 ₹ 42,06,000 ₹ 63,45,010
₹ 1,60,000 ₹ 8,00,000 ₹ 1,06,667 ₹ 53,333 5 Years ₹ 19,201 ₹ 3,84,020 ₹ 12,84,387 ₹ 33,65,000 ₹ 50,33,407
₹ 1,20,000 ₹ 6,00,000 ₹ 80,000 ₹ 40,000 5 Years ₹ 12,376 ₹ 2,47,520 ₹ 10,53,917 ₹ 25,24,000 ₹ 38,25,437
