Download the Policybazaar app
to manage all your insurance needs.
ULIP Returns in 15 Years
Unit Linked Insurance Plans (ULIPs) have emerged as a popular investment choice among individuals seeking a combination of insurance protection and long-term wealth accumulation. A 15-year ULIP is a financial product that blends investment and insurance over a 15-year period. With regular premium payments, it provides life coverage while allowing you to invest in market-linked funds.
ULIP Plans
- Take the first step to ₹1 Crore
- Plans delivering up to 18% CAGR
- 100% online, Zero paperwork
- Expert help at no extra cost
- 4.8++ Rated
- 13.2 Crore Registered Consumer
- 53 Partners Insurance Partners
- 6.29 Crore Policies Sold
We are rated++
13.2 Crore
Registered Consumer
53
Insurance Partners
6.29 Crore
Policies Sold
Top performing plans˜ with High Returns**
Invest ₹10K/month & Get ₹1 Crore# Tax-Free*
-
Home
-
Life Insurance
-
Ulip Plans
-
Articles - UP
- ULIP Returns in 15 Years
Top ULIP Funds≈
| ULIP Plans | Fund Size | NAV | Returns |
| HDFC Life Opportunities Fund | 31,393 Cr | ₹57.85 | 18.59% |
| ICICI Pru Multi Cap Balanced Fund | 2,037 Cr | ₹34.46 | 10.59% |
| TATA AIA Top 200 Fund | 1,259 Cr | ₹130.92 | 20.25% |
| TATA AIA Whole Life Mid Cap Equity Fund | 10,158 Cr | ₹112.98 | 21.46% |
Disclaimer: ≈ Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is done in alphabetical order (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
What is the 15 Years ULIP Policy?
A 15-year ULIP (unit-linked insurance plan) is a type of investment plan that combines the benefits of insurance and investment. It provides life insurance coverage for a period of 15 years, and it also allows you to invest in a variety of market-linked funds. This means that your investment returns will be linked to the performance of the stock market.
Regular premium payments, which can be made on a monthly, quarterly, or annual basis are split into insurance coverage and investment in market-linked funds. A portion covers the insurance company's charges, providing life coverage, while the remainder is invested in different market-linked funds. Although the insurance company manages the investments, you have the flexibility to choose funds based on your risk appetite.
List of ULIP Funds ~
Fund Name
AUM
NAV
Returns (in %)
3 Year
5 Year
10 Year
Top 300 Fund
SBI Life
AUM:1,805 Cr
1,805 Cr
NAV
56.05
0.02%
Returns
11.17%
Opportunities Fund
HDFC Life
AUM:31,034 Cr
31,034 Cr
NAV
77.52
-0.06%
Returns
19.08%
Highest Returns
High Growth Fund
Axis Max Life
AUM:11,912 Cr
11,912 Cr
NAV
116.45
0.05%
Returns
26.31%
Highest Returns
Opportunities Fund
ICICI Prudential Life
AUM:3,110 Cr
3,110 Cr
NAV
59.57
0.05%
Returns
15.89%
Highest Returns
Multi Cap Fund
Tata AIA Life
AUM:9,240 Cr
9,240 Cr
NAV
64.74
0.09%
Returns
19.67%
see more plans
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
How Does 15 Years ULIP Policy Work?
When you purchase a 15-year ULIP policy, you will be required to pay a premium. This premium will be split into two parts: one part will be used to provide you with life insurance coverage, and the other part will be invested in market-linked funds.
The amount of life insurance coverage that you receive will depend on the policy you choose. You will also be able to choose the funds that your money is invested in. There are a variety of funds to choose from, with different levels of risk and return.
Example:
Consider Priya investing in a 15-year ULIP with an annual premium of Rs. 50,000. The premium is split: Rs. 10,000 for life coverage, and Rs. 40,000 for investment in market-linked funds. The insurer manages the investment, but Priya can choose funds based on her risk preference. Over the 15-year period, the policy provides life coverage and potential returns from market-linked investments. This dynamic interplay of insurance and investment defines the functioning of Priya's 15-year ULIP policy.
Latest ULIP NAVs
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| SBI Life Balanced Fund | ₹72.39 | ₹19525 Cr | 8.49% | 9.68% | |
| SBI Life Bond Fund | ₹50.68 | ₹17276 Cr | 5.53% | 6.66% | |
| SBI Life Equity Fund | ₹194.66 | ₹71877 Cr | 11.25% | 11.57% | |
| SBI Life Equity Optimiser Fund | ₹53.82 | ₹2365 Cr | 11.65% | 11.41% | |
| SBI Life Growth Fund | ₹93.16 | ₹2657 Cr | 10.19% | 11.1% | |
| SBI Life Money Market Fund | ₹36.84 | ₹528 Cr | 5.8% | 5.98% | |
| SBI Life Top 300 Fund | ₹56.05 | ₹1805 Cr | 10.94% | 12.1% | |
| SBI Life Pure Fund | ₹26.74 | ₹1076 Cr | 10.51% | - | |
| SBI Life Bond Optimiser Fund | ₹22.4 | ₹3215 Cr | 7.5% | - | |
| SBI Life Bluechip Fund | ₹9.85 | ₹2933 Cr | - | - | |
| SBI Life Balanced Pension | ₹72.75 | ₹773 Cr | 9.17% | 10.53% | |
| SBI Life Bond Pension | ₹45.08 | ₹548 Cr | 5.38% | 6.93% | |
| SBI Life Equity Pension | ₹73.86 | ₹10959 Cr | 12.43% | 12.5% | |
| SBI Life Growth Pension | ₹72.95 | ₹597 Cr | 10.81% | 11.62% | |
| SBI Life Money Market Pension | ₹34.05 | ₹150 Cr | 5.75% | 5.97% | |
| SBI Life Equity Optimiser Pension | ₹57.59 | ₹910 Cr | 11.57% | 12.22% | |
| SBI Life Top 300 Pension | ₹54.89 | ₹668 Cr | 11.17% | 12.26% | |
| SBI Life Midcap Fund | ₹49.54 | ₹49877 Cr | 19.77% | - | |
| SBI Life Corporate Bond Fund | ₹16.45 | ₹1082 Cr | 5.48% | - | |
| SBI Life Equity Elite II | ₹50.89 | ₹10924 Cr | 10.47% | 11.19% | |
| SBI Life Index | ₹46.85 | ₹86 Cr | 11.41% | 11.72% | |
| SBI Life Index Pension | ₹48.92 | ₹24 Cr | 11.53% | 11.77% | |
| SBI Life Discontinued Policy Fund | ₹25.49 | ₹10053 Cr | 5.67% | 5.99% | |
| SBI Life Equity Elite | ₹86.63 | ₹11 Cr | 13.57% | 14.03% | |
| SBI Life P-E Managed | ₹38.71 | ₹194 Cr | 9.98% | 9.98% | |
| SBI Life Guaranteed Pension GPF070211 | ₹26.65 | ₹2 Cr | 5.2% | 6.49% | |
| SBI Life Bond Pension II | ₹23.5 | ₹28700 Cr | 5.31% | 6.29% | |
| SBI Life Equity Pension II | ₹41.14 | ₹10509 Cr | 11.39% | 12.05% | |
| SBI Life Money Market Pension II | ₹20.8 | ₹1527 Cr | 5.52% | 5.71% | |
| SBI Life Discontinue Pension Fund | ₹21.53 | ₹6325 Cr | 5.68% | - | |
| SBI Life Group Growth Plus Fund | ₹56.91 | ₹2 Cr | 8.76% | - | |
| SBI Life Group Debt Plus Fund | ₹40.37 | ₹110 Cr | 6.49% | - | |
| SBI Life Group Balance Plus Fund | ₹48.17 | ₹10 Cr | 7.55% | - | |
| SBI Life Group Balance Plus Fund II | ₹26.5 | ₹978 Cr | 7.6% | - | |
| SBI Life Group Debt Plus Fund II | ₹26.19 | ₹285 Cr | 6.54% | - | |
| SBI Life Group Growth Plus Fund II | ₹26.69 | ₹264 Cr | 9.05% | - | |
| SBI Life Group Short Term Plus Fund II | ₹21.53 | ₹19 Cr | 5.93% | - | |
| SBI Life Group Money Market Plus Fund | ₹13.91 | ₹2 Cr | 3.17% | - |
See more plans
Why Should You Choose a 15-Year ULIP Policy?
-
Market-Linked Returns: By investing in market-linked debt and equity instruments, a 15-year ULIP offers the potential for high returns. This dynamic approach allows you to align your investments with your financial goals.
-
Flexibility: ULIPs provide unparalleled flexibility. You can customize the sum assured and select investment avenues based on your risk appetite. Most plans allow fund switches, enabling you to optimize your portfolio in response to market fluctuations. It's essential to be mindful of the limitations on the number of changes allowed by some insurance companies when selecting a plan.
-
Tax Benefits: A 15-year ULIP comes with attractive tax benefits. The amount invested qualifies for deductions under Section 80C of the Income Tax Act, 1961. Additionally, the proceeds from surrender, partial withdrawal, or maturity of a ULIP are exempt from tax under Section 10(10D), provided the premium payable for any year during the policy term does not exceed 10% of the death sum assured.
Furthermore, for policies issued after February 1, 2021, tax exemption on maturity proceeds is contingent on the premium paid in any year not exceeding Rs. 2,50,000. Exemption under Section 10(10D) applies only to policies with an aggregate premium not exceeding Rs. 2,50,000 in any given year. Any income from policies exceeding this limit will be chargeable as capital gains. Importantly, death proceeds from all ULIP plans remain exempt from tax.
-
Life Coverage: With a 15-year ULIP, you ensure financial security for your loved ones in the event of any unforeseen circumstances, offering stability and support.
-
Long-term Investment: Opting for a 15-year horizon allows your money more time to grow, leading to superior returns compared to shorter durations. This extended investment period not only fosters financial discipline but also facilitates the achievement of long-term financial goals.
How are Return Rates Calculated on 15 Years ULIP Policy?
The return rates of a 15-year ULIP are determined by the fund performance, with daily calculation of the Net Asset Value (NAV). Returns are based on the change in NAV, obtained by multiplying the fund's value by your held units, and the best SIP plan balances risk and long-term returns, while market and economic conditions, along with fund management, influence NAV. Additionally, consider insurance company fees, covering administration, mortality, and fund management charges, when calculating returns. A 15-year ULIP facilitates investment in equity and debt funds, combining wealth accumulation with life insurance coverage for your family's financial security. Evaluate your risk tolerance, investment objectives, and financial position before selecting a suitable ULIP for your goals.
FAQ's
-
Can ULIPs give higher returns?
ULIPs have the potential to give higher returns than traditional insurance products, but they also carry more risk. The returns on ULIPs are linked to the performance of the market, so they can go up or down. -
Is ULIP a good investment for the long term?
ULIPs can be a good investment for long-term goals, such as retirement or children's education. This is because ULIPs allow you to invest in a variety of asset classes, such as equity, debt, and money market funds, which can help you grow your wealth over time. -
Is ULIP good or bad?
Whether or not ULIPs are a good or bad investment depends on your individual circumstances and risk tolerance. If you are willing to take on more risk in exchange for the potential for higher returns, then ULIPs may be a good option for you.
Insurers Offering ULIPs
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or
insurance product offered by an insurer.
- SIP Calculator
- Income Tax Calculator
- Compound Interest Calculator
- NPS Calculator
- Show More Calculator
Investment Calculator
- One time
- Monthly
₹
/ Year
Sensex has given 10% return from 2010 - 2020
View plans
Ulip plans Articles
Recent Articles
Popular Articles
02 Jul 2025
The Sahara Life ULIP Plan Calculator is a reliable online
24 Jun 2025
Planning your future needs both protection and wealth creation.
24 Jun 2025
Axis Max Life Flexi Wealth Advantage Plan is a unit-linked
05 Jun 2025
The Bandhan Life ULIP calculator is a financial tool that helps
05 Jun 2025
The Reliance ULIP Plan Calculator is a reliable financial toolExplore the popular searches and stay informed
- ULIP Calculator
- ULIP Plan
- 50k Pension Per Month
- Annuity Plan
- Atal Pension Yojana Calculator
- Best Pension Plan in India
- Best SIP Plans
- Child Investment Plan
- Child Plan
- CIBIL Score
- Deferred Annuity Plans
- Government Schemes for Girl Child
- HDFC SIP Calculator
- Immediate Annuity Plans
- Investment Plan
- LIC Calculator
- LIC
- NPS Interest Rate
- Pension Plan
- Post Office Child Plan
- Prime Minister Schemes For Boy Child
- Retirement Planning
- SBI Annuity Deposit Scheme Calculator
- SBI SIP Calculator
- SBI SIP
- SIP Calculator
- SIP Investment
- Sukanya Samriddhi Yojana Interest Rate
- Sukanya Samriddhi Yojana
- 1 Crore Term Insurance
- Best Term Insurance Plan
- Term Insurance for Women
- Term Insurance for NRI
- Term Insurance
- Term Insurance Calculator
- Life Insurance
- Term Insurance with Return of Premium
- Whole Life Insurance
- Term Insurance vs Life Insurance
- What is Term Insurance
- Life Insurance Calculator
- 5 Crore Term Insurance
- 2 Crore Term Insurance
- Term Insurance for Housewife
- Benefits of Term Insurance
- Term Insurance Terminology
- Medical Tests for Term Insurance
- Term Insurance for Self Employed
- Claim Settlement Ratio
- 10 Crore Term Insurance
- Term Insurance for Smokers
- 1.5 Crore Term Insurance
- Zero Cost Term Insurance
- Insurance Advisor
- Home Loan Insurance Calculator
- FIRE Calculator
- Home Loan Insurance
- EMI Calculator
˜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.