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HDFC Life
Smart Protect Plan
UIN : 101L175V10
A Unit Linked Non-Participating Individual Life Insurance Savings Plan
A plan that provides a life cover and caters to your need of long term wealth creation.
Loyalty Additions#
Level cover plan options
Level Cover with Capital Guarantee plan option
get a free quote
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HDFC Life Smart Protect Plan Fund Performance
List of Funds available with this product
Equity Funds
Debts Funds
Hybrid Funds
All Funds
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
Flexi Cap Fund
ULIF07114/07/23FlexiCapFd101
NAV
14.9044
2026-09-18
52 wk High
2026-09-04
15.2504
52 wk Low
2026-06-08
14.6716
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Sustainable Equity Fund
ULIF07019/07/21SustnblEqF101
NAV
14.0224
2026-09-18
52 wk High
2026-09-04
14.3914
52 wk Low
2026-06-08
13.701
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Midcap Momentum Fund
ULIF07317/01/24MidCpMoIdx101
NAV
10.8874
2026-09-18
52 wk High
2026-09-08
11.1563
52 wk Low
2026-06-08
10.8837
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Nifty Alpha 30 Fund
ULIF07528/05/24AlphaIdxFd101
NAV
8.8696
2026-09-18
52 wk High
2026-09-08
9.1259
52 wk Low
2026-06-08
8.7688
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Diversified Equity Fund
ULIF05501/08/13DivrEqtyFd101
NAV
39.5894
2026-09-18
52 wk High
2026-09-04
40.5714
52 wk Low
2026-09-17
39.5894
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Capital Growth Fund
ULIF06301/04/15CapGrwthFd101
NAV
27.8103
2026-09-18
52 wk High
2026-09-04
28.4433
52 wk Low
2026-06-08
27.4398
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Discovery Fund
ULIF06618/01/18DiscvryFnd101
NAV
43.7114
2026-09-18
52 wk High
2026-09-04
45.2461
52 wk Low
2026-06-08
43.0303
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Equity Advantage Fund
ULIF06723/03/18EqtyAdvtFd101
NAV
27.1317
2026-09-18
52 wk High
2026-09-04
27.7932
52 wk Low
2026-06-08
27.003
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Top 500 Momentum 50 Fund
ULIF07616/10/24Top500MoFd101
NAV
8.7098
2026-09-18
52 wk High
2026-09-08
8.9777
52 wk Low
2026-06-08
8.5346
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Top 300 Alpha 50 Fund
ULIF07828/02/25Alpha300Fd101
NAV
10.3788
2026-09-18
52 wk High
2026-09-08
10.663
52 wk Low
2026-06-08
9.7766
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Top 500 Multifactor 50 Fund
ULIF08219/09/25TopMF500Fd101
NAV
9.5089
2026-09-18
52 wk High
2026-09-04
9.6774
52 wk Low
2026-09-17
9.5089
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
India Consumption Advantage Fund
ULIF08421/11/25InCnsmAdFd101
NAV
9.3131
2026-09-18
52 wk High
2026-09-04
9.499
52 wk Low
2026-06-08
8.9072
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
Bond Fund
ULIF05601/08/13Bond Funds101
NAV
21.7691
2026-09-18
52 wk High
2026-09-08
21.8241
52 wk Low
2026-06-08
21.3724
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
Capital Guarantee Debt Fund life
ULGF04927/02/23CGDebtFund101
NAV
11.2832
2026-09-18
52 wk High
2026-09-08
11.3153
52 wk Low
2026-06-08
11.0917
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Capital Guarantee Debt Plus Fund Life
ULGF05027/02/23CGHybdFund101
NAV
10.8355
2026-09-18
52 wk High
2026-09-04
10.9207
52 wk Low
2026-06-08
10.7229
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Capital Guarantee Debt Fund Pension
ULGF05127/02/23CGDebtFund101
NAV
10
2026-09-18
52 wk High
2026-06-08
10
52 wk Low
2026-06-08
10
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Capital Guarantee Debt Plus Fund Pension
ULGF05227/02/23CGHybdFund101
NAV
10
2026-09-18
52 wk High
2026-06-08
10
52 wk Low
2026-06-08
10
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Capital Secure Fund
ULIF06401/04/15CapSecFund101
NAV
15.9311
2026-09-18
52 wk High
2026-09-08
15.9803
52 wk Low
2026-06-08
15.6681
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Dynamic Advantage Fund
ULIF08028/02/25DynamicFnd101
NAV
10.3555
2026-09-18
52 wk High
2026-09-04
10.563
52 wk Low
2026-06-08
10.2349
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
Why HDFC Life Smart Protect Plan?
A Unit Linked Non-Participating Individual Life Insurance Savings Plan
Choose from 4 Plan Options as per your needs
Boost your fund value with 4 kinds of Loyalty Additions (Return of 2X to 3X Mortality Charge, Return of 2X Premium Allocation Charge, Return of Fund Management Charge, Return of 2X of Investment Guarantee Charge)
Get a Minimum Assured Benefit1 in the form of capital guarantee in spite of market fluctuations
Choose from 13 funds2 to optimize your investment returns
Flexibility to choose the premium payment option- Regular Pay Options are from 25 to 40 years & 99 – Age at entry. Only Limited Pay options are from 5 to 12 years.
Reduce your Death Benefit Cover after a chosen period under Decreasing Cover and Decreasing Cover with Capital Guarantee plan options
Choose from 4 Plan Options as per your needs
Boost your fund value with 4 kinds of Loyalty Additions (Return of 2X to 3X Mortality Charge, Return of 2X Premium Allocation Charge, Return of Fund Management Charge, Return of 2X of Investment Guarantee Charge)
Get a Minimum Assured Benefit1 in the form of capital guarantee in spite of market fluctuations
Choose from 13 funds2 to optimize your investment returns
Flexibility to choose the premium payment option- Regular Pay Options are from 25 to 40 years & 99 – Age at entry. Only Limited Pay options are from 5 to 12 years.
Reduce your Death Benefit Cover after a chosen period under Decreasing Cover and Decreasing Cover with Capital Guarantee plan options
- Available under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options
- With unlimited free switching. Available under Level Cover and Decreasing Cover
- Available under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options
- With unlimited free switching. Available under Level Cover and Decreasing Cover
What makes this plan a must-have
You have the flexibility to choose your plan options.
Select your core objective for the insurance cover and view the benefits
- Level Cover
- Level Cover with Capital Guarantee
- Decreasing Cover
- Decreasing Cover with Capital Guarantee
Level Cover
This plan option provides a level cover throughout the policy term
Death Benefit:
-
“Death Benefit” is payable as a lump sum if life assured dies during the policy term.
-
Subject to Policy being in force and all due premiums have been paid, the Death Benefit payable to the Policyholder/ Assignee/ Nominee shall be the highest of the following:
(i) Total Sum Assured less partial withdrawals1 made, if any (as detailed below), where Total Sum Assured is Basic Sum Assured plus any additional Sum Assured in respect of Top-ups; or
(ii) Fund value, or
(iii) 105% of Total Premiums Paid
-
For a reduced paid-up Policy, the Death Benefit payable to the Policyholder/ Assignee/ Nominee and shall be the highest of the following:
(i) Paid up Sum Assured plus any additional Sum Assured in respect of Top-ups less partial withdrawals1 made, if any (as detailed below); or
(ii) Fund value; or
(iii) 105% of Total Premiums Paid
1 The partial withdrawals to be deducted from the Total Sum Assured shall be all partial withdrawals (except from the top-up fund value) made during the two-year period immediately preceding the date of death.Upon this payment, the policy shall terminate and no further benefit shall be payable.
Where,
a) Annualized Premium means the premium amount payable in a year excluding the taxes, rider premiums and underwriting extra premium on riders, if any.
b) Basic Sum Assured is the amount of cover chosen by the policyholder at inception of the policy in accordance with terms and conditions of the Policy.
c) Fund Value is the value obtained by multiplying the number of Units allocated to your Policy by the corresponding price of the Units.
d) Total Premiums Paid are the total of all the premiums received, excluding any rider premium and taxes.
e) Paid-Up Sum Assured, is the original sum assured multiplied by the total number of premiums paid to the original number of premiums payable as per the terms and conditions of the policy. (Paid Up Sum Assured = Original Sum Assured x Total No. of Premiums Paid / Original No. of Premiums Payable).
f) Minimum Basic Sum Assured, is 10 times the Annualized Premium
g) Assured Benefit is the Total Premiums Paid less Total Partial Withdrawals made (if any)
Maturity Benefit:
-
On survival of the Life Assured till the Maturity Date, subject to Policy being in-force on the Maturity Date, the risk cover shall cease and Fund Value at Maturity plus Loyalty Additions payable at Maturity shall be payable to the Policyholder as the maturity benefit.
-
Upon this payment, the policy shall terminate and no further benefits will be payable.
-
You can also take your fund value at maturity in periodical installments under settlement option.
Check Eligibility Criteria
Before buying HDFC Life Smart Protect Plan
ELIGIBILITY CRITERIA
Parameters | Minimum | Maximum | ||||||||||||||||||
Age1 at Entry | Life Assured: 0 years (30 days) | Life Assured: 60 years | ||||||||||||||||||
Age1 at Maturity | 25 years | 100 years | ||||||||||||||||||
Premium Payment Term |
| |||||||||||||||||||
Policy Term2 | 25 years | 99 – Age at Entry | ||||||||||||||||||
Instalment Premium |
Top-Up Premium: Rs. 5,000 per Top-Up3 | As per Board Approved Underwriting Policy (BAUP) | ||||||||||||||||||
Sum Assured | Basic Sum Assured
For Top-Up Premium: 1.25 times the Top Up premium | As per Board Approved Underwriting Policy (BAUP) | ||||||||||||||||||
Premium Payment Frequency | Annual, Half-Yearly, Quarterly, Monthly | |||||||||||||||||||
1-All ages are expressed as on last birthday.
2-Risk cover starts from date of commencement of policy for all lives including minors. In case of a minor life, the policy will vest on the Life Assured on attainment of age 18 years. In all cases, the relationship between the proposer and life assured shall be granted to the extent of insurable interest only.
3- Total top-up premiums paid, at any point of time during the policy term shall not exceed the sum total of the premiums paid at that point of time.
Customize your cover with these riders
Riders in insurance have an important part in contingency planning. A ULIP is incomplete without them.
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HDFC Life Income Benefit on Accidental Disability Rider – Linked
UIN: 101A038V01
A Linked, Non-Participating Pure Risk Premium, Individual Life rider where you can get additional income benefits over and above your Sum Assured in the event of total permanent disability due to an accident.
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HDFC Life Protect Plus Rider – Linked
UIN: 101A037V01
A Linked, Non-Participating Pure Risk Premium, Individual Life/Health rider where you can get protected with a proportion of Rider Sum Assured in case of accidental death or partial/total disability due to accident or diagnosed with Cancer.
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HDFC Life Health Plus Rider – Linked
UIN: 101A034V01
A Linked, Non-Participating Savings/Pure Risk Premium, Individual Health rider where you can get lump sum benefit equivalent to Rider Sum Assured on diagnosis of any of the covered 60 Critical Illnesses or benefit as a proportionate of the Rider Sum Assured on diagnosis of Early Stage Cancer / Major Cancer depending on the plan option chosen.
DOWNLOAD -
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HDFC Life Waiver of Premium Rider – Linked
UIN: 101A035V01
A Linked, Non-Participating, Individual Pure Risk Premium, Life/Health rider where you can get Waiver of Premium for the base policy premium and premiums of any other additional riders, in case of death, disability or diagnosis of any listed critical illnesses of the Rider Life Assured. Enjoy continued policy benefits even in case of life's eventualities.
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HDFC Life LiveWell Rider – Linked
UIN: 101A036V01
Get Lump Sum benefit equivalent to Rider Sum Assured on death/terminal illness/accidental death/hospitalisation or benefit as a proportionate of the Rider Sum Assured on disability due to accident/undergoing any listed surgery, depending on the plan option chosen.
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Have a question?
We’ll tell you everything you need to know about HDFC Life Smart Protect Plan
1
Why HDFC Life Smart Protect Plan?
HDFC Life Smart Protect Plan addresses your long-term savings needs and also provides you protection in the form of a life cover.
2
What are the premium paying frequencies available for this plan?
Annual, half-yearly, quarterly and monthly frequencies are available under this product.
3
Can I decrease the policy term and the premium payment term after the policy has been issued?
4
Can I change my premium frequency after the policy has been issued?
Yes, as the Policyholder, You can alter the Premium frequency during the Premium Payment Term.
5
Are there any specific exclusions in this plan?
Yes. There are specific exclusions in this plan. To know detailed information related to exclusions, please read the Product Brochure.
6
Can Riders be opted along with the plan?
Yes, you can opt for any of the following riders:
- HDFC Life Income Benefit on Accidental Disability Rider - Linked
- HDFC Life Protect Plus Rider - Linked
- HDFC Life Health Plus Rider - Linked
- HDFC Life Waiver of Premium Rider – Linked
- HDFC Life Livewell Rider – Linked
7
Does this plan offer tax benefits?
Premium(s) paid by an individual or HUF under this plan are eligible for tax benefits1 under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein.
8
What are the fund options available with this product?
1. Diversified Equity Fund
2. Bond Fund
3. Discovery Fund
4. Equity Advantage Fund
5. Sustainable Equity Fund
6. Flexi Cap Fund
7. Midcap Momentum Fund
8. Nifty Alpha 30 Fund
9. Top 500 Momentum 50 Fund
10. Dynamic Advantage fund
11. Top 300 Alpha 50 fund
12. Top 500 Multifactor 50 Fund
13- India Consumption Advantage Fund
The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year.
HDFC Life Smart Protect Plan (UIN: 101L175V10) is a Unit Linked Non-Participating Individual Life Insurance Savings Plan. HDFC Life Income Benefit on Accidental Disability Rider – Linked (UIN: 101A038V01) is a Linked, Non-Participating Pure Risk Premium, Individual Life Rider. HDFC Life Protect Plus Rider – Linked (UIN: 101A037V01) is a Linked, Non-Participating Pure Risk Premium, Individual Life/Health Rider. HDFC Life Health Plus Rider – Linked (UIN: 101A034V01) is a Linked, Non-Participating Savings/Pure Risk Premium, Individual Health Rider. HDFC Life Waiver of Premium Rider – Linked (UIN: 101A035V01) - A Linked, Non-Participating, Individual Pure Risk Premium, Life / Health Rider. Life insurance coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully. Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. HDFC Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and HDFC Life Smart Protect Plan (UIN: 101L175V10) is only the name of the unit linked life insurance contract. The name of the company, name of the brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
T&C
- The above stated tax benefits are subject to the provisions & conditions mentioned in the existing Income Tax Act, 1961. Tax Laws are also subject to change from time to time. This material has been prepared for information purposes only, should not be relied on for tax or accounting advice. The customer is requested to seek tax advice from his/her Chartered Accountant or personal tax advisor with respect to his/her personal tax liabilities under the Income-tax law
#Loyalty Additions available under this plan – a) Return of 2X to 3X Mortality Charge from 11th policy year, b) Return of 2X Premium Allocation Charge from policy year 10 to 13, c) Return of Fund Management Charge (FMC) on Maturity, d) Return of 2X of Investment Guarantee Charge on Maturity , e) Loyalty Addition at Maturity upto 2.5% of Annualized Premium
ARN - PP/11/25/28527
