ULIP Returns in 20 Years

Top ULIP Funds^≈

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 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.

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 ^~

Returns 3 Years 5 Years 10 Years

Fund Name

AUM

NAV

Returns (in %)

3 Year

5 Year

10 Year

High Growth Fund

Max Life

AUM:9,928 Cr

9,928 Cr

NAV

116.7

-0.60%

Returns

32.68%

Highest Returns

Returns

27.23%

Returns

18.4%

Get Details

Top 200 Fund

Tata AIA

AUM:2,323 Cr

2,323 Cr

NAV

178.67

-1.91%

Returns

27.62%

Returns

30.78%

Highest Returns

Returns

17.46%

Get Details

Accelerator Mid-Cap Fund II

Bajaj Allianz

AUM:5,652 Cr

5,652 Cr

NAV

83.19

-0.40%

Returns

23.49%

Returns

23.59%

Highest Returns

Returns

14.73%

Get Details

Opportunities Fund

HDFC Standard

AUM:37,289 Cr

37,289 Cr

NAV

78.13

-0.49%

Returns

24.37%

Returns

25%

Highest Returns

Returns

14.71%

Get Details

Equity II Fund

Canara HSBC Oriental Bank

AUM:3,556 Cr

3,556 Cr

NAV

42.15

-0.33%

Returns

17.44%

Returns

19.29%

Highest Returns

Returns

10.2%

Get Details

Accelerator Fund

AEGON Life

AUM:236 Cr

236 Cr

NAV

49.78

-0.39%

Returns

21.62%

Returns

23%

Highest Returns

Returns

13.35%

Get Details

Grow Money Plus Fund

Bharti AXA

AUM:440 Cr

440 Cr

NAV

68.73

-0.48%

Returns

18.33%

Returns

20.42%

Highest Returns

Returns

13.81%

Get Details

Multiplier

Birla Sun Life

AUM:4,557 Cr

4,557 Cr

NAV

94.84

-0.72%

Returns

24.41%

Returns

25.88%

Highest Returns

Returns

15.51%

Get Details

Equity Top 250 Fund

Edelwiess Tokio

AUM:539 Cr

539 Cr

NAV

58.41

-0.35%

Returns

18.79%

Returns

19.7%

Highest Returns

Returns

11.51%

Get Details

Future Apex Fund

Future Generali India

AUM:101 Cr

101 Cr

NAV

57.71

-0.59%

Returns

21.77%

Returns

23.82%

Highest Returns

Returns

13.34%

Get Details

Opportunities Fund

ICICI Prudential

AUM:3,368 Cr

3,368 Cr

NAV

59.78

-0.48%

Returns

21.16%

Returns

22.7%

Highest Returns

Returns

12.36%

Get Details

Frontline Equity Fund

Kotak Mahindra OM

AUM:4,348 Cr

4,348 Cr

NAV

69.41

-0.54%

Returns

22.22%

Returns

23.77%

Highest Returns

Returns

14.08%

Get Details

Flexi Growth Fund

LIC

AUM:717 Cr

717 Cr

NAV

11.82

-0.09%

Returns

-

Returns

-

Returns

-

Get Details

Virtue II

PNB Metlife

AUM:3,248 Cr

3,248 Cr

NAV

70.77

-0.67%

Returns

20.99%

Returns

24.25%

Highest Returns

Returns

15.09%

Get Details

Pension Dynamic Equity Fund

Pramerica Life Insurance Limited

AUM:6 Cr

6 Cr

NAV

73.66

-0.52%

Returns

17.01%

Returns

18.95%

Highest Returns

Returns

10.83%

Get Details

Equity Fund

SBI

AUM:78,278 Cr

78,278 Cr

NAV

206.47

-1.88%

Returns

18.92%

Returns

19.71%

Highest Returns

Returns

11.79%

Get Details

Blue-Chip Equity Fund

Star Union Dai-ichi

AUM:1,335 Cr

1,335 Cr

NAV

35.21

-0.21%

Returns

15.06%

Returns

16.68%

Highest Returns

Returns

10.16%

Get Details

see more plans

Disclaimer :
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. 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. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India 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.