ULIP Fund Returns

ULIP or Unit Linked Insurance plan provides a combined benefit of investment and life cover. According to the investors financial goal, time horizon and risk tolerance, he/she can choose from a wide range of fund options available under ULIPs of various insurance companies. ULIP funds are basically the invested portion of premiums after the deduction of all the charges and premium for life coverage.

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58.9 Million
Registered Consumer
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Insurance Partners
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Policies Sold

Top ULIP Funds
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
11,839 Cr
Returns
21.83%
Returns
23.81%
Highest Returns
Returns
19.95%
Get Details
1,772 Cr
Returns
23.15%
Returns
27.3%
Highest Returns
Returns
19.47%
Get Details
6,136 Cr
Returns
26.84%
Returns
27.87%
Highest Returns
Returns
18.81%
Get Details
2,984 Cr
Returns
21.78%
Returns
23.76%
Highest Returns
Returns
17.76%
Get Details
4,172 Cr
Returns
21.74%
Highest Returns
Returns
20%
Returns
17.43%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
247 Cr
Returns
11.88%
Returns
13.92%
Highest Returns
Returns
11.99%
Get Details
352 Cr
Returns
12.26%
Returns
12.56%
Highest Returns
Returns
11.38%
Get Details
526 Cr
Returns
9.79%
Returns
10.72%
Highest Returns
Returns
10.34%
Get Details
837 Cr
Returns
11.67%
Returns
11.81%
Highest Returns
Returns
10.23%
Get Details
22 Cr
Returns
12.6%
Highest Returns
Returns
11.89%
Returns
10.17%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
494 Cr
Returns
16.43%
Returns
17.28%
Highest Returns
Returns
15.3%
Get Details
242 Cr
Returns
6.94%
Returns
7.91%
Returns
8.81%
Highest Returns
Get Details
786 Cr
Returns
5.4%
Returns
6.88%
Returns
8.1%
Highest Returns
Get Details
302 Cr
Returns
5.86%
Returns
6.8%
Returns
7.79%
Highest Returns
Get Details
465 Cr
Returns
5.1%
Returns
6.93%
Returns
7.78%
Highest Returns
Get Details

The fund options are particularly chosen by policyholder under all unit-linked plans. Keeping an eye on the market scenario, we have listed below the top  ULIP funds that you can invest in 2020.

As a lucrative option of investment ULIP plan offers a wide range of fund options to invest in. Investors can choose to invest in these funds as per their risk appetite and financial objectives. However, it is important to keep in mind that ULIP fund returns entirely depend on the market performance of the fund. Let’s take a look at the top performing ULIP funds and its return.

These ULIP funds have given the highest returns in their categories.

ULIP Funds Returns
  3 years 5 years
Aegon Life Assure Plus Debt Fund 7.00% 7.70%
Bajaj Allianz Life Equity Mid-Cap Pension Fund 16.13% 26.19%
Bajaj Allianz Life Group Stable Gain Fund 8.27% 11.61%
Bharti AXA Guarantee Builder Steady Money Fund 7.20% 8.10%
Birla Sun Life Individual Multiplier Fund 20.78% 26.55%
Canara HSBC Unit Linked Endowment Debt Fund 7.50% 8.10%
Edelweiss Tokio Life Managed Equity Fund 8.53% 12.54%
Exide Flexi life Plus Debt Fund 7.90% 8.60%
Exide One Life Debt Fund 7.90% 8.60%
HDFC Unit Linked Endowment Plus Secured Managed Fund 7.40% 8.10%
Kotak Superannuation Group Bond Fund 8.30% 8.70%
LIC Life Market Plus Secure Fund 10.22% 12.40%
TATA AIA Life Future Select Equity Fund 15.46% 22.44%
TATA AIA Life Super Select Equity Fund 15.29% 22.58%
TATA AIA Whole Life Mid-Cap Equity Fund 16.13% 26.85%

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People Also Read: ICICI Prudential Nifty Midcap 150

Wrapping It Up!

Investment requires strategy and the way you strategize your investment determines the rate of return you are likely to get in future. So, while planning for market-linked investment, it is necessary to time the market properly. A ULIP is a great investment instrument as it provides life cover and offers income tax benefits as well. ULIPs offer various fund options ranging from equities to bond. Depending on your risk profile, and also based on your market research, you need to plan out an investment strategy.

The funds mentioned above have shown steady and high return rate in the past few years. So, if you want to create huge wealth for future and willing to take risks for that, you must consider the above-mentioned funds as best investment option.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
^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
~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.

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Insurers Offering ULIPs

Tata AIA

Aditya Birla Sun Life

Bajaj Allianz

Max Life

HDFC Life

ICICI Prudential

Bharti AXA Life

Edelweiss Life

Kotak Life

Future Generali

PNB MetLife

SBI Life

Aviva

Bandhan Life

Canara HSBC

IDBI Federal

IndiaFirst

Pramerica Life

Reliance Life

Sahara Life

Shriram Life

Star Union

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