SBI Life ULIP plans are Unit Linked Insurance Plans that combine the benefits of life insurance protection with the potential for wealth creation through market-linked investments. These plans provide financial safety to your family and opportunities to grow your savings, ensuring your financial goals are achieved.
Top performing plans˜ with High Returns**
Invest ₹10K/month & Get ₹1 Crore# returns
Fund Details |
Fund Size |
NAV |
5 Year |
7 Year |
10 Year |
|
|---|---|---|---|---|---|---|
 Equity Fund
Fund Size: 77,577 Cr
|
77,577 Cr |
204.39 0.50% |
16.25% Highest Returns |
13.57% |
11.8% |
Get Details |
 Opportunities Fund
Fund Size: 35,798 Cr
|
35,798 Cr |
77.16 0.11% |
21.77% Highest Returns |
16.47% |
14.44% |
Get Details |
 High Growth Fund
Fund Size: 10,580 Cr
|
10,580 Cr |
117.39 0.10% |
29.3% Highest Returns |
22.69% |
17.8% |
Get Details |
 Pension India Consumption Fund
Fund Size: 6 Cr
|
6 Cr |
10.37 0.02% |
20.5% Highest Returns |
- |
15.5% |
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 17-10-2025. 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 features offered by these investment plans are:Â
Double Benefits: SBI Life ULIP Plans offer both life cover and investment opportunities. The life cover ensures your loved ones are protected financially, whether you are around or not. The investment component gives you wealth creation opportunities through market-linked returns.
5-Year Lock-in period: ULIP Plans offer a 5-year lock-in period so that your long-term financial goals can be achieved at the right time.
Investment Flexibility: You have the flexibility to choose your premium payment term and policy term as per your financial condition and future goals.
Loyalty Addition: By staying invested for a longer period, the insurance company adds units, which are a certain percentage of your fund value, to your overall fund, leading to enhanced returns.
Maturity Benefits: At the policy term end, the policyholder gets the accumulated fund value, including investment and the market-linked returns.
SBI Life offers a wide range of ULIP plans to meet the diverse needs of its customers. Here are some popular ULIP plans offered by SBI Life.
SBI Life – eWealth Plus, an important product of SBI Life investment plans, is an individual, non-participating, unit-linked life insurance savings product that offers dual benefits of life cover and wealth expansion. It is an online-only plan that simplifies investment management for a hassle-free experience.
Strategy Flexibility: Offers two strategies: a Growth Strategy with automatic asset allocation and an Active Strategy with a choice of 12 diverse fund options.
Affordability & Cost Efficiency: Premiums start as low as ₹3,000 per month with no premium allocation charges, which helps maximise your investment potential.
Convenience: The plan can be purchased online in just a 3-simple step process.
Liquidity: Provides the option for partial withdrawals from the 6th policy year onwards to meet financial needs.
| Age at Entry | 5 Years - 50 Years | ||
| Age at Maturity | 18 Years- 65 Years | ||
| Policy Term | Minimum: Regular Pay - 10 Years / Limited Pay - 15 Years Maximum: 30 Years |
||
| Premium Payment Mode | Regular Pay / Limited Pay | ||
| Premium Payment Frequency | Yearly & Monthly | ||
| Premium Payment Term | Regular Pay: Same as Policy Term / Limited Pay: 7 & 10 Years | ||
| Premium Range | Premium Payment Frequency | Premium Range | |
| Minimum | Maximum | ||
| Yearly | ₹36,000 per annum | No Limit, Subject to Board approved Underwriting Policy | |
| Monthly | ₹3,000 per month | ||
| Sum Assured | Annualized Premium X 10 | ||
SBI Life Smart Fortune Builder is a unit-linked insurance product that offers life coverage and wealth creation, along with a unique feature of Guaranteed Additions to boost your fund value over time. The plan ensures fulfilment of long-term financial goals like retirement or a child's education.
Guaranteed Additions: The plan provides guaranteed additions to the fund value at the end of the 10th policy year and every 5th year thereafter. A longer policy term results in higher additions, with a maximum of 150% of the annualised premium for a 30-year term.
Maturity Benefit: Offers an additional Guaranteed Addition on maturity, further enhancing the final corpus.
Investment Flexibility: Provides access to 12 varied fund options, allowing you to switch or redirect your investments to suit your risk appetite and changing market conditions.
Rider Option: The plan can be customised with the SBI Life-Accident Benefit Rider, Linked for additional coverage.
Liquidity: Partial withdrawals are allowed from the 6th policy year onwards.
| Age# at Entry | Minimum: 2 years- 55 Years | |||
| Age# at Maturity | Minimum: 18 years-70 Years | |||
| Plan Type | Regular Pay / Limited Pay / Single Pay | |||
| Premium Payment Term (PPT) and Corresponding Policy Term (PT) | Plan Type | Policy Term (Years) | Premium Payment Term (Years) | |
| Regular Pay / Limited Pay / Single Pay | 15 to 30 (both inclusive) | Same as Policy Term | ||
| Limited Pay | 15 to 30 (both inclusive) | 7 / 10 / 12 | ||
| 20 to 30 (both inclusive) | 15 | |||
| Single Pay | 5 to 30 (both inclusive) | Onetime payment at policy inception | ||
| Premium Amount | Minimum (₹) | Maximum (₹) | ||
| Regular Pay: ₹40,000 p.a. Limited Pay: ₹50,000 p.a. Single Pay: ₹65,000 |
₹2,50,000; Subject to Board Approved Underwriting Policy | |||
| Premium Frequency | Single/Yearly | |||
| Sum Assured | Regular Pay & Limited Pay: 10 X Annualised Premium Single Pay: 1.25 X Single Premium |
|||
SBI Life – Smart Elite Plus, a unit-linked insurance plan, is designed for individuals who seek greater flexibility and control over their investment portfolio. It is a limited and single-pay option, ideal for high-net-worth individuals who want to invest a significant amount at once or over a short period.
Protection Options: The plan offers two options: a Gold Option and a Platinum Option, with an in-built Accidental Death and Accidental Total and Permanent Disability Benefit.
Premium Payment Options: It provides the freedom to pay premiums for a limited term or as a single lump sum.
Investment Flexibility: Allows you to invest in a wide range of funds and offers easy switching and redirection facilities to actively manage your portfolio.
Cost-Effective: There are no premium allocation charges from the 6th policy year onwards.
| Age at Entry | Minimum: 18 years Maximum: Limited Pay: 55 years Single Pay: 60 years |
||||||||||||
| Maximum Age at Maturity | 70 years | ||||||||||||
| Plan Type | Limited Pay/ Single Pay | ||||||||||||
| Premium Payment Term (PPT) and Corresponding Policy Term (PT) |
|
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| Premium Frequency | Single/ Yearly / Half-yearly / Quarterly / Monthly | ||||||||||||
| Premium Amount |
|
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| Sum Assured | Limited Pay: 7 x Annualised Premium Single Pay: 1.25 x Single Premium |
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People also read: What is ULIP
SBI Life – Smart Privilege Plus is an exclusive unit-linked plan for individuals who want both protection and a high degree of control over their investments. It offers unlimited free switches and loyalty additions to help policyholders grow their wealth without restriction.
Unlimited Free Switches: The plan allows for unlimited free switching and premium redirection among 12 diverse funds, giving you complete freedom to adapt your investment strategy to market trends.
Loyalty Additions: The plan rewards long-term commitment with loyalty additions that begin from the end of the 6th policy year, boosting your fund value.
Flexible Premium Payment: You can choose to pay premiums regularly, for a limited period, or as a single lump sum.
Rider Option: Offers the SBI Life - Accident Benefit Rider - Linked for enhanced protection.
| Age at Entry | Minimum: Regular Pay/Â Limited Pay: 8 years Single Pay: 13 years Maximum: 55 years |
||
| Age at Maturity | Minimum: 18 years- 70 Years | ||
| Plan Type | Regular Pay / Limited Pay / Single Pay | ||
| Premium Payment Term (PPT) and Corresponding Policy Term (PT) | Plan Type | Policy Term (Years) | Premium Payment Term (Years) |
| Regular Pay | 10 to 30 (both inclusive) | Same as Policy Term | |
| Limited Pay | 15 to 30 (both inclusive) | Min: 5 Max: Policy Term minus 1 year | |
| Single Pay | 5 to 30 | One-time payment at policy inception | |
| Premium Amount | Plan Type | Minimum | Maximum |
| Regular Pay / Limited Pay | Yearly: 6,00,000 Half – Yearly: 3,00,000 Quarterly: 1,50,000 Monthly: 50,000 | No Limit, Subject to Board Approved Underwriting Policy | |
| Single Pay | 6,00,000Â | ||
| Premium Frequency | Single/Yearly / Half Yearly / Quarterly / Monthly | ||
| Sum Assured | Regular Pay & Limited Pay: 7 × Annualised Premium Single Pay: 1.25 × Single Premium | ||
The following ULIP plans are no longer available for new purchases, as they are discontinued or replaced with the above-discussed plans:
SBI Life ULIP Plans altogether are a comprehensive and dynamic investment solution that combines life insurance coverage with wealth creation opportunities. The unique feature of Unit Linked Insurance Plans offered by SBI Life lies in their ability to cater to the diverse financial goals and risk appetites of investors.
People also read: ULIP Calculator
*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.
˜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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