Aditya Birla Wealth Aspire Plan helps you create wealth and provides protection to your family in your absence. It is a Unit-Linked Insurance Plan offered by Aditya Birla Sun Life Insurance Company Limited. Your returns are maximized through market-linked investments. The policy offers flexibility and options to select a plan suitable for your individual needs. Know the details of the ABSLI Wealth Aspire Plan.
Fund Details |
Fund Size |
NAV |
5 Year |
7 Year |
10 Year |
|
|---|---|---|---|---|---|---|
 Top 300 Fund
Fund Size: 1,981 Cr
|
1,981 Cr |
52.33 0.00% |
8.88% |
10.5% |
11.55% Highest Returns |
Get Details |
 Opportunities Fund
Fund Size: 35,377 Cr
|
35,377 Cr |
69.11 0.01% |
12.42% |
13.27% |
13.64% Highest Returns |
Get Details |
 High Growth Fund
Fund Size: 12,572 Cr
|
12,572 Cr |
104.21 0.00% |
17.85% |
19.5% Highest Returns |
17.59% |
Get Details |
 Opportunities Fund
Fund Size: 3,551 Cr
|
3,551 Cr |
53.84 0.00% |
11.28% |
11.53% |
11.84% Highest Returns |
Get Details |
Best ULIP Funds - Consider the best performing ULIP funds to invest in 2026 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 31-03-2026. The returns are the returns of best-performing fund in the plan
Disclaimer :
˜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
The ABSLI Wealth Aspire Plan is a non-participating, unit-linked insurance plan that comes in two options:
Classic Option: The higher of Sum Assured or Policy Fund Value is paid in case of the life insured's unfortunate death during the policy term.
Assured Option: Sum Assured is payable on the death of the life insured, and the policy continues till maturity. Future premiums are paid by the insurer from the Policy Fund Value.
The benefits of Aditya Birla Wealth Aspire Plan are:
Lump Sum for Nominee: At the time of unfortunate death, your nominee receives either the current fund value or the original sum assured, whichever is higher.
Minimum Payout: The death benefit will always be at least 10 times your annual premium, or 105% of total premiums paid.
Partial Withdrawal Adjustment: Any withdrawals made in the last two years might reduce the payout, but it will still be higher than the minimum.
Immediate Payout: Your nominee immediately receives the chosen Sum Assured.
Policy Continues for Nominee: Even after the death benefit is paid, the policy continues for the nominee, and the company pays future premiums.
Fund Remains Invested: The policy fund stays invested, and maturity benefits will be paid to the nominee later.
Fund Value at End of Term: When the policy matures, you receive your total collected fund value (Basic Fund Value + Top-Up Fund Value).
Access Funds in Emergency: At the time of an emergency, you can surrender your policy anytime to access your funds.
Policy Proceeds: For the Classic Option, if the policyholder and insured are different, the policyholder receives the money. For the Assured Option, the nominee receives the money.
Yearly Fund Boosts: Your policy gets extra units added to your fund value every year from the 6th (or 11th) anniversary, based on its average value, with higher premiums earning more.
Five-Year Premium Bonus: Every five years from the 10th anniversary, you receive an extra bonus as a percentage of the premiums you've paid in the last five years.
| Criteria | Classic Option | Assured Option |
| Entry Age | Minimum – 30 days Maximum – For 5 Pay: 50 years For 6 Pay & 7 Pay: 55 years For 8 Pay & above: 65 years |
Minimum - 18 years Maximum - For 5 to 8 Pay: 45 years For 9 Pay & above: 50 years |
| Maturity Age | For 5 to 7 Pay: 18 to 70 years For 8 Pay and above: 18 to 75 years |
28 to 60 years |
| Policy Term | Minimum – 10 years Maximum – 40 years |
|
| Premium Paying Term (PPT) | 5 to 40 years | |
| Minimum Basic Premium | ₹40000 for annual mode ₹45000 for semi-annual mode ₹50000 for quarterly and monthly mode ₹500,000 p.a. if the age at entry is between 61 to 65 years, both inclusive. |
|
| Minimum Sum Assured | ₹4,00,000 | |
| Top-up Premium | Minimum ₹5,000 | |
Managing ULIP Plans effectively involves understanding their structure, benefits, and features to make informed decisions. Here are the key features of this Aditya Birla ULIP Plan:
Flexibility in premium payments: Choose to pay your premiums monthly, quarterly, half-yearly, or yearly.
Investment choice: Select from 4 investment options (equity, debt, hybrid, and balanced) to suit your risk appetite and financial goals.
Partial withdrawals: Access up to 20% of the fund value per year to meet unforeseen needs.
Top-up Facility: Increase your savings by adding top-ups whenever you have surplus funds.
Decide where your money goes:
Smart Option: Automatically adjusts your investment mix based on age and risk profile.
Systematic Transfer Option: Gradually shifts investments from equity to debt as maturity nears.
Return Optimiser Option: Balances equity exposure with downside protection.
Self-Managed Option: Gives you full control over your investments.
Top-up Premiums: You can invest extra anytime (except the last 5 policy years) with a minimum of Rs. 5,000. This adds to your Sum Assured and Fund Value.
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| SBI Life Balanced Fund | ₹68.74 | ₹21160 Cr | 7.07% | 9.27% | |
| SBI Life Bond Fund | ₹50.02 | ₹16781 Cr | 5.29% | 6.62% | |
| SBI Life Equity Fund | ₹177.96 | ₹81025 Cr | 8.69% | 10.8% | |
| SBI Life Equity Optimiser Fund | ₹50 | ₹2622 Cr | 9.32% | 10.75% | |
| SBI Life Growth Fund | ₹87 | ₹2913 Cr | 8.2% | 10.52% | |
| SBI Life Money Market Fund | ₹36.72 | ₹444 Cr | 5.77% | 5.99% | |
| SBI Life Top 300 Fund | ₹52.33 | ₹1981 Cr | 8.88% | 11.55% | |
| SBI Life Pure Fund | ₹24.46 | ₹1150 Cr | 8.13% | - | |
| SBI Life Bond Optimiser Fund | ₹21.8 | ₹3238 Cr | 6.86% | - | |
| SBI Life Balanced Pension | ₹69.18 | ₹805 Cr | 7.68% | 10.15% | |
| SBI Life Bond Pension | ₹44.56 | ₹530 Cr | 5.21% | 6.91% | |
| SBI Life Equity Pension | ₹67.44 | ₹11842 Cr | 9.78% | 11.7% | |
| SBI Life Growth Pension | ₹68.3 | ₹632 Cr | 8.88% | 11.07% | |
| SBI Life Money Market Pension | ₹33.94 | ₹142 Cr | 5.72% | 5.98% | |
| SBI Life Equity Optimiser Pension | ₹53.43 | ₹976 Cr | 9.24% | 11.56% | |
| SBI Life Top 300 Pension | ₹51 | ₹710 Cr | 8.99% | 11.66% | |
| SBI Life Midcap Fund | ₹43.96 | ₹55035 Cr | 16.28% | - | |
| SBI Life Corporate Bond Fund | ₹16.32 | ₹1025 Cr | 5.35% | - | |
| SBI Life Equity Elite II | ₹47.16 | ₹12182 Cr | 8.33% | 10.52% | |
| SBI Life Index | ₹43.11 | ₹102 Cr | 9.14% | 11.06% | |
| SBI Life Index Pension | ₹45 | ₹27 Cr | 9.25% | 11.09% | |
| SBI Life Discontinued Policy Fund | ₹25.34 | ₹10703 Cr | 5.6% | 5.99% | |
| SBI Life Equity Elite | ₹80.4 | ₹13 Cr | 11.28% | 13.38% | |
| SBI Life P-E Managed | ₹35.98 | ₹215 Cr | 8.06% | 9.36% | |
| SBI Life Guaranteed Pension GPF070211 | ₹26.32 | ₹2 Cr | 4.99% | 6.5% | |
| SBI Life Bond Pension II | ₹23.21 | ₹29088 Cr | 5.08% | 6.26% | |
| SBI Life Equity Pension II | ₹37.62 | ₹12141 Cr | 8.76% | 11.28% | |
| SBI Life Money Market Pension II | ₹20.73 | ₹1532 Cr | 5.49% | 5.72% | |
| SBI Life Discontinue Pension Fund | ₹21.4 | ₹6775 Cr | 5.61% | - | |
| SBI Life Group Growth Plus Fund | ₹53.9 | ₹3 Cr | 7.3% | - | |
| SBI Life Group Debt Plus Fund | ₹39.5 | ₹113 Cr | 6.01% | - | |
| SBI Life Group Balance Plus Fund | ₹46.5 | ₹11 Cr | 6.63% | - | |
| SBI Life Group Balance Plus Fund II | ₹25.61 | ₹869 Cr | 6.74% | - | |
| SBI Life Group Debt Plus Fund II | ₹25.56 | ₹281 Cr | 5.99% | - | |
| SBI Life Group Growth Plus Fund II | ₹25.39 | ₹237 Cr | 7.7% | - | |
| SBI Life Group Short Term Plus Fund II | ₹21.25 | ₹19 Cr | 5.69% | - | |
| SBI Life Group Money Market Plus Fund | ₹12.49 | ₹2 Cr | 1% | - |
Basic Fund Value: Represents the value of your basic premium investments.
Top-up Fund Value: Represents the value of your additional top-up investments.
Policy Fund Value: Combines both Basic and Top-up Fund Values, reflecting your total investment value.
The Aditya Birla Wealth Aspire Plan allows you to enhance your basic coverage by attaching optional riders at an additional cost.
ABSLI Accidental Death Benefit Rider Plus (UIN: 109A024V01): Provides additional protection in case of death.
ABSLI Waiver of Premium Rider (UIN: 109A039V01): Waives future premiums in case of permanent disability due to illness, accident, critical illness, or death.
ABSLI Comprehensive Critical Illness Rider: In case of specific critical illness, you receive a lump sum payment. This rider offers different variants covering 10, 25, or 64 critical illnesses.
If the insured individual passes away by suicide within 12 months from the policy's start or revival, the nominee or beneficiary is entitled to the Policy fund value as of the date of death notification. Additionally, any charges, excluding Fund Management Charges (FMC), incurred after the date of death will be included back into the Policy fund value as of the date of death notification.
Additional details about the Aditya Birla Wealth Aspire Plan:
Policy Discontinuance: A grace period of 30 days (15 days for monthly premium payments) to pay due premiums, ensuring continuity of benefits with charges deduction.
Free-look Period:
Right to return policy within 15 days (30 days for distance marketing policies) if unsatisfied with terms.
Refund includes Policy fund value, non-allocated premiums, and cancellation charges.
Refund amount reduced by proportionate risk premium, medical exam expenses, and stamp duty charges.
Current Tax Benefits:
Tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961, subject to fulfilment of conditions.
Policy proceeds are subject to TDS under Section 194DA if conditions under Section 10(10D) are not met.
Loans: Policy loans are not permitted under this plan.
Liquidity: The first five years in the plan do not offer any form of liquidity of funds.
The ABSLI Wealth Aspire Plan presents a comprehensive solution for individuals seeking to secure their financial future while maximising investment opportunities. By empowering policyholders to navigate market fluctuations while safeguarding against uncertainties, the ABSLI Wealth Aspire Plan is a reliable instrument for long-term wealth accumulation and protection. A long-term approach helps identify the best SIP investment.
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++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.
˜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
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