Download the Policybazaar app
to manage all your insurance needs.
ULIP Returns in 20 Years
Unit Linked Insurance Plans (ULIPs) have emerged as a popular investment choice among smart individuals seeking long-term wealth accumulation. ULIPs offer the dual advantage of life insurance coverage and the potential for market-linked returns, making them an attractive option for those seeking a diversified investment portfolio.
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 20 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
Latest ULIP NAVs
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| SBI Life Balanced Fund | ₹70.79 | ₹20171 Cr | 7.31% | 9.43% | |
| SBI Life Bond Fund | ₹50.18 | ₹16641 Cr | 5.12% | 6.52% | |
| SBI Life Equity Fund | ₹188.67 | ₹77698 Cr | 9.43% | 11.25% | |
| SBI Life Equity Optimiser Fund | ₹52.64 | ₹2513 Cr | 10.15% | 11.18% | |
| SBI Life Growth Fund | ₹90.8 | ₹2808 Cr | 8.63% | 10.82% | |
| SBI Life Money Market Fund | ₹36.99 | ₹487 Cr | 5.84% | 5.96% | |
| SBI Life Top 300 Fund | ₹54.81 | ₹1918 Cr | 9.44% | 11.88% | |
| SBI Life Pure Fund | ₹26.51 | ₹1179 Cr | 9.25% | - | |
| SBI Life Bond Optimiser Fund | ₹22.13 | ₹3231 Cr | 6.87% | - | |
| SBI Life Balanced Pension | ₹71.29 | ₹805 Cr | 8.09% | 10.32% | |
| SBI Life Bond Pension | ₹44.62 | ₹544 Cr | 4.95% | 6.79% | |
| SBI Life Equity Pension | ₹72.03 | ₹11974 Cr | 10.61% | 12.24% | |
| SBI Life Growth Pension | ₹71.25 | ₹631 Cr | 9.27% | 11.34% | |
| SBI Life Money Market Pension | ₹34.2 | ₹149 Cr | 5.79% | 5.95% | |
| SBI Life Equity Optimiser Pension | ₹56.07 | ₹975 Cr | 10.09% | 11.93% | |
| SBI Life Top 300 Pension | ₹53.71 | ₹712 Cr | 9.64% | 12.05% | |
| SBI Life Midcap Fund | ₹49.41 | ₹57040 Cr | 18.1% | - | |
| SBI Life Corporate Bond Fund | ₹16.33 | ₹1041 Cr | 5.11% | - | |
| SBI Life Equity Elite II | ₹49.73 | ₹11654 Cr | 8.98% | 10.91% | |
| SBI Life Index | ₹45.54 | ₹92 Cr | 9.63% | 11.49% | |
| SBI Life Index Pension | ₹47.52 | ₹25 Cr | 9.73% | 11.53% | |
| SBI Life Discontinued Policy Fund | ₹25.47 | ₹10510 Cr | 5.51% | 5.93% | |
| SBI Life Equity Elite | ₹84.14 | ₹12 Cr | 11.85% | 13.68% | |
| SBI Life P-E Managed | ₹37.66 | ₹202 Cr | 8.66% | 9.73% | |
| SBI Life Guaranteed Pension GPF070211 | ₹26.49 | ₹2 Cr | 4.93% | 6.41% | |
| SBI Life Bond Pension II | ₹23.27 | ₹28724 Cr | 4.89% | 6.16% | |
| SBI Life Equity Pension II | ₹39.86 | ₹11211 Cr | 9.51% | 11.67% | |
| SBI Life Money Market Pension II | ₹20.88 | ₹1524 Cr | 5.56% | 5.69% | |
| SBI Life Discontinue Pension Fund | ₹21.51 | ₹6508 Cr | 5.54% | - | |
| SBI Life Group Growth Plus Fund | ₹55.92 | ₹3 Cr | 7.77% | - | |
| SBI Life Group Debt Plus Fund | ₹39.87 | ₹112 Cr | 5.93% | - | |
| SBI Life Group Balance Plus Fund | ₹47.46 | ₹10 Cr | 6.79% | - | |
| SBI Life Group Balance Plus Fund II | ₹26.1 | ₹1035 Cr | 6.85% | - | |
| SBI Life Group Debt Plus Fund II | ₹25.9 | ₹309 Cr | 6.01% | - | |
| SBI Life Group Growth Plus Fund II | ₹26.22 | ₹274 Cr | 8.07% | - | |
| SBI Life Group Short Term Plus Fund II | ₹21.41 | ₹19 Cr | 5.68% | - | |
| SBI Life Group Money Market Plus Fund | ₹13.96 | ₹2 Cr | 3.2% | - |
See more plans
What is the 20 Years ULIP Policy?
A 20-year ULIP policy is a financial product that combines life insurance with investment opportunities. This policy provides life coverage for a duration of 20 years, ensuring financial protection for the policyholder's family. In the unfortunate event of the policyholder's demise within this period, the family receives a lump sum payout. Investors often research the best SIP to invest in for long-term financial stability.
What sets the 20-year ULIP apart is its dual nature. Not only does it offer life coverage, but it also allows the policyholder to invest in different funds like equity, debt, or balanced funds. The premium paid towards the policy is split between these two components – life cover and investment. This unique feature provides investors with a dual benefit, addressing both protection and wealth creation.
List of ULIP Funds ~
Fund Name
AUM
NAV
Returns (in %)
3 Year
5 Year
10 Year
Equity Pension
SBI Life
AUM:11,974 Cr
11,974 Cr
NAV
72.03
0.04%
Returns
11.37%
Opportunities Fund
HDFC Life
AUM:34,475 Cr
34,475 Cr
NAV
77.3
0.13%
Returns
17.4%
Highest Returns
High Growth Fund
Axis Max Life
AUM:13,736 Cr
13,736 Cr
NAV
118.48
0.62%
Returns
25.08%
Highest Returns
Opportunities Fund
ICICI Prudential Life
AUM:3,457 Cr
3,457 Cr
NAV
58.49
0.17%
Returns
13.86%
Highest Returns
Multi Cap Fund
Tata AIA Life
AUM:10,579 Cr
10,579 Cr
NAV
63.89
0.09%
Returns
18.26%
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 20 Years ULIP Policy Work?
-
Shivam, a 30-year-old IT professional, decides to invest in a 20-year ULIP policy to secure his family's financial future.
-
He opts for a monthly premium of Rs. 5,000.
-
Shivam allocates 70% of his premium towards equity funds and 30% towards debt funds, reflecting his moderate risk appetite.
-
Over the 20 years, the equity funds perform well, while the debt funds provide stability.
Maturity Outcome:
-
At the end of the 20-year policy term, Shivam’s accumulated investment value has grown to Rs. 20 lakhs.
-
He chooses to receive the maturity benefit as a lump sum, providing him with a substantial financial cushion.
-
Shivam’s family is also protected by life insurance coverage throughout the 20-year policy term.
Why Should You Choose a 20-Year ULIP Policy?
If you're considering a long-term investment, a 20-year ULIP can be a strategic choice. Here's why:
-
Market-Linked Returns: ULIPs offer the advantage of market-linked equity and debt funds, potentially yielding higher returns compared to traditional low-risk savings.
-
Flexibility: Investors can choose and switch investment funds based on market trends, maximizing returns by responding to market fluctuations.
-
Partial Withdrawals: In financial emergencies, ULIPs allow policyholders to make partial withdrawals, providing liquidity for significant expenses like education or marriage without exiting the plan.
-
Tax Benefits: Enjoy tax deductions under Section 80C for the amount invested. Additionally, ULIP proceeds on surrender, partial withdrawal, or maturity are tax-exempt under Section 10(10D), with certain conditions.
-
Life Coverage: ULIPs provide life coverage, ensuring financial security for your loved ones in case of unforeseen events.
-
Long-Term Investment: Staying invested for 20 years allows for the compounding effect, potentially resulting in superior returns compared to shorter-term investments.
How are Return Rates Calculated on 20 Years ULIP Policy?
The return rates of a 20-year ULIP policy are determined by various factors, including the policyholder's age, sum assured, chosen premium amount, and selected investment funds. The premium is divided between life cover and investments, with returns depending on the performance of market-linked funds. This policy serves as a tool for long-term wealth accumulation and life coverage. Before choosing a plan, it's crucial to assess risk appetite and goals. Regularly review plan terms and consider enhancing coverage with riders for added protection.
Trending in ulip plan
FAQ's
-
Is it a good time to buy a ULIP?
Whether or not it is a good time to buy a ULIP depends on your individual circumstances and risk tolerance. ULIPs are a good investment option for those who have a long-term investment horizon and are comfortable with some risk. However, if you are not comfortable with risk, or if you need your money in the short term, then a ULIP may not be the best option for you. -
Which is better, SIP or ULIP?
SIPs and ULIPs are both investment options that allow you to invest regularly and achieve long-term financial goals. SIPs are a good option for those who want to invest a fixed amount of money on a regular basis, while ULIPs offer more flexibility in terms of investment options and fund allocation. The best option for you will depend on your individual circumstances and investment goals.
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 helpsExplore 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.