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Are you Planning to buy ULIP
We all know how essential it is to save money and thus opt for different investment tools like insurance, purchasing FDs and RDs, buying gold, property and ULIPs. If you are planning to invest in ULIPS then here is something that can quicken your purchasing process.
ULIP Plans
- Plan starting from ₹1,000/month
- Save upto ₹46,800 in Tax under section 80C^
- Zero LTCG Tax¶
- In built life cover
- 4.8++ Rated
- 12.02 Crore Registered Consumer
- 51 Partners Insurance Partners
- 5.9 Crore Policies Sold
We are rated++
12.02 Crore
Registered Consumer
51
Insurance Partners
5.9 Crore
Policies Sold
Top performing plans˜ with High Returns**
Invest ₹10K/month & Get ₹1 Crore# Tax-Free*
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- Are You Planning to Buy ULIP
What is ULIP?
ULIP is an investment option where our money in invested into the equity market. This dual sided sword offers insurance protection along with wealth creation opportunities. The premium submitted is divided into 2 buckets- one goes into providing you the life cover and the residual is invested in bonds or stocks. The return in the second case depends on the performance of the underlying fund being opted by us. ULIPs are preferred majorly for their exceptional transparency and flexibility.
Life cover feature
ULIP is preferred as the investment tool but not to forget its insurance aspect. Thus, it is necessary to ask the advisor or agent regarding the life cover offered under the ULIP you are planning to purchase. There might be a fixed life cover or range of coverage to finalize from. This would help you in aligning the plan with your financial objectives and help you purchase the one that is in line with your goals.
Any charges to pay
It is good to have a clear picture of everything you are planning to do for your future. You must have proper knowledge about the charges that would be accompanied with the servicing the policy. Majorly the charges to be paid would include- mortality charges, switching charges, fund management charges, policy administration charges and surrender charges. It is advised to get proper information about the frequency of these charges.
Latest ULIP NAVs
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| SBI Life Balanced Fund | ₹74.3 | ₹22439 Cr | 8.69% | 10.31% | |
| SBI Life Bond Fund | ₹50.25 | ₹18103 Cr | 5.24% | 6.91% | |
| SBI Life Equity Fund | ₹205.85 | ₹82996 Cr | 11.89% | 12.59% | |
| SBI Life Equity Optimiser Fund | ₹55.95 | ₹2715 Cr | 12.08% | 12.13% | |
| SBI Life Growth Fund | ₹96.25 | ₹3064 Cr | 10.68% | 11.87% | |
| SBI Life Money Market Fund | ₹36.29 | ₹429 Cr | 5.67% | 6.05% | |
| SBI Life Top 300 Fund | ₹58.15 | ₹2006 Cr | 11.41% | 12.93% | |
| SBI Life Pure Fund | ₹26.62 | ₹1182 Cr | 10.55% | - | |
| SBI Life Bond Optimiser Fund | ₹22.45 | ₹3286 Cr | 7.42% | - | |
| SBI Life Bluechip Fund | ₹10.23 | ₹2655 Cr | - | - | |
| SBI Life Balanced Pension | ₹74.45 | ₹772 Cr | 9.3% | 11.14% | |
| SBI Life Bond Pension | ₹44.56 | ₹513 Cr | 5.1% | 7.15% | |
| SBI Life Equity Pension | ₹76.68 | ₹11050 Cr | 12.87% | 13.31% | |
| SBI Life Growth Pension | ₹74.91 | ₹608 Cr | 11.18% | 12.33% | |
| SBI Life Money Market Pension | ₹33.55 | ₹131 Cr | 5.62% | 6.04% | |
| SBI Life Equity Optimiser Pension | ₹60.08 | ₹947 Cr | 12.12% | 12.94% | |
| SBI Life Top 300 Pension | ₹56.25 | ₹682 Cr | 11.35% | 12.95% | |
| SBI Life Midcap Fund | ₹49.24 | ₹49420 Cr | 19.97% | - | |
| SBI Life Corporate Bond Fund | ₹16.3 | ₹1058 Cr | 5.27% | - | |
| SBI Life Equity Elite II | ₹52.88 | ₹12622 Cr | 10.91% | 11.95% | |
| SBI Life Index | ₹49.73 | ₹115 Cr | 12.51% | 12.96% | |
| SBI Life Index Pension | ₹51.87 | ₹30 Cr | 12.59% | 12.99% | |
| SBI Life Discontinued Policy Fund | ₹25.2 | ₹9761 Cr | 5.55% | 6.11% | |
| SBI Life Equity Elite | ₹90.4 | ₹13 Cr | 14.06% | 14.9% | |
| SBI Life P-E Managed | ₹39.29 | ₹238 Cr | 9.92% | 10.56% | |
| SBI Life Guaranteed Pension GPF070211 | ₹26.34 | ₹3 Cr | 5.05% | 6.82% | |
| SBI Life Bond Pension II | ₹23.3 | ₹29557 Cr | 5.02% | 6.53% | |
| SBI Life Equity Pension II | ₹43.4 | ₹12893 Cr | 12.1% | 13.02% | |
| SBI Life Money Market Pension II | ₹20.5 | ₹1553 Cr | 5.37% | 5.77% | |
| SBI Life Discontinue Pension Fund | ₹21.27 | ₹6722 Cr | 5.54% | - | |
| SBI Life Group Growth Plus Fund | ₹57.86 | ₹3 Cr | 9.26% | - | |
| SBI Life Group Debt Plus Fund | ₹40.26 | ₹113 Cr | 6.36% | - | |
| SBI Life Group Balance Plus Fund | ₹48.54 | ₹11 Cr | 7.51% | - | |
| SBI Life Group Balance Plus Fund II | ₹26.6 | ₹805 Cr | 7.49% | - | |
| SBI Life Group Debt Plus Fund II | ₹26.1 | ₹227 Cr | 6.34% | - | |
| SBI Life Group Growth Plus Fund II | ₹27.02 | ₹238 Cr | 9.13% | - | |
| SBI Life Group Short Term Plus Fund II | ₹21.37 | ₹21 Cr | 5.89% | - | |
| SBI Life Group Money Market Plus Fund | ₹12.44 | ₹2 Cr | 1.04% | - |
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Investment options available
The investment in ULIPs is directed to debts, hybrid funds and equity market as per your selection. It gives you the liberty of investing your money in a particular type of fund or a combination of many. One must analyze his requirements, expectations and ability to handle risk before finalizing the investment choice, as Risk tolerance defines the best SIP investment strategy. For this, you should also have a proper knowledge about the fund, its past and approximation of its future.
Your planning process needs to get information related to partial withdrawals, surrender value, switching between funds, option for additional investment etc. Our decision would never go wrong after such a thorough research process.
˜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.
Insurers Offering ULIPs
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or
insurance product offered by an insurer.
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