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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.
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- 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 | ₹72.47 | ₹19882 Cr | 7.36% | 9.45% | |
| SBI Life Bond Fund | ₹51.21 | ₹16422 Cr | 5.51% | 6.68% | |
| SBI Life Equity Fund | ₹194.09 | ₹76974 Cr | 9.21% | 11.28% | |
| SBI Life Equity Optimiser Fund | ₹54.07 | ₹2503 Cr | 9.95% | 11.16% | |
| SBI Life Growth Fund | ₹93.13 | ₹2777 Cr | 8.47% | 10.79% | |
| SBI Life Money Market Fund | ₹37.18 | ₹501 Cr | 5.89% | 5.95% | |
| SBI Life Top 300 Fund | ₹55.55 | ₹1903 Cr | 8.95% | 11.68% | |
| SBI Life Pure Fund | ₹27.62 | ₹1197 Cr | 8.98% | - | |
| SBI Life Bond Optimiser Fund | ₹22.62 | ₹3207 Cr | 7.13% | - | |
| SBI Life Bluechip Fund | ₹9.86 | ₹3289 Cr | - | - | |
| SBI Life Balanced Pension | ₹73.01 | ₹808 Cr | 8.11% | 10.34% | |
| SBI Life Bond Pension | ₹45.49 | ₹546 Cr | 5.34% | 6.95% | |
| SBI Life Equity Pension | ₹74.07 | ₹12146 Cr | 10.32% | 12.24% | |
| SBI Life Growth Pension | ₹73.01 | ₹634 Cr | 9.07% | 11.28% | |
| SBI Life Money Market Pension | ₹34.37 | ₹151 Cr | 5.84% | 5.94% | |
| SBI Life Equity Optimiser Pension | ₹57.4 | ₹980 Cr | 9.8% | 11.86% | |
| SBI Life Top 300 Pension | ₹54.88 | ₹720 Cr | 9.31% | 11.94% | |
| SBI Life Midcap Fund | ₹50.76 | ₹59296 Cr | 17.37% | - | |
| SBI Life Corporate Bond Fund | ₹16.62 | ₹1031 Cr | 5.4% | - | |
| SBI Life Equity Elite II | ₹50.99 | ₹11536 Cr | 8.82% | 10.82% | |
| SBI Life Index | ₹46.27 | ₹90 Cr | 9.14% | 11.25% | |
| SBI Life Index Pension | ₹48.32 | ₹25 Cr | 9.27% | 11.29% | |
| SBI Life Discontinued Policy Fund | ₹25.74 | ₹10597 Cr | 5.67% | 5.98% | |
| SBI Life Equity Elite | ₹86.1 | ₹12 Cr | 11.6% | 13.57% | |
| SBI Life P-E Managed | ₹38.55 | ₹199 Cr | 8.67% | 9.63% | |
| SBI Life Guaranteed Pension GPF070211 | ₹26.9 | ₹2 Cr | 5.18% | 6.52% | |
| SBI Life Bond Pension II | ₹23.72 | ₹28624 Cr | 5.26% | 6.32% | |
| SBI Life Equity Pension II | ₹41.02 | ₹11046 Cr | 9.26% | 11.61% | |
| SBI Life Money Market Pension II | ₹20.98 | ₹1524 Cr | 5.61% | 5.68% | |
| SBI Life Discontinue Pension Fund | ₹21.73 | ₹6502 Cr | 5.69% | - | |
| SBI Life Group Growth Plus Fund | ₹57.27 | ₹3 Cr | 7.88% | - | |
| SBI Life Group Debt Plus Fund | ₹40.72 | ₹112 Cr | 6.25% | - | |
| SBI Life Group Balance Plus Fund | ₹48.53 | ₹10 Cr | 7.01% | - | |
| SBI Life Group Balance Plus Fund II | ₹26.7 | ₹1066 Cr | 7.06% | - | |
| SBI Life Group Debt Plus Fund II | ₹26.41 | ₹323 Cr | 6.27% | - | |
| SBI Life Group Growth Plus Fund II | ₹26.92 | ₹288 Cr | 8.22% | - | |
| SBI Life Group Short Term Plus Fund II | ₹21.81 | ₹19 Cr | 6.01% | - | |
| SBI Life Group Money Market Plus Fund | ₹14.01 | ₹2 Cr | 3.23% | - |
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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 Fund
SBI Life
AUM:76,974 Cr
76,974 Cr
NAV
194.09
-1.17%
Returns
9.36%
Opportunities Fund
HDFC Life
AUM:34,849 Cr
34,849 Cr
NAV
79.64
-0.36%
Returns
15.96%
Highest Returns
High Growth Pension Fund
Axis Max Life
AUM:32 Cr
32 Cr
NAV
10.38
-0.04%
Returns
22.85%
Highest Returns
Opportunities Fund
ICICI Prudential Life
AUM:3,473 Cr
3,473 Cr
NAV
60.56
-0.33%
Returns
13.21%
Multi Cap Fund
Tata AIA Life
AUM:10,835 Cr
10,835 Cr
NAV
66.62
-0.09%
Returns
17.14%
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.
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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:
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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:
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Market-Linked Returns: ULIPs offer the advantage of market-linked equity and debt funds, potentially yielding higher returns compared to traditional low-risk savings.
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Flexibility: Investors can choose and switch investment funds based on market trends, maximizing returns by responding to market fluctuations.
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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.
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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.
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Life Coverage: ULIPs provide life coverage, ensuring financial security for your loved ones in case of unforeseen events.
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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.
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FAQ's
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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.
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˜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.