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ULIP Returns in 30 Years
A 30-year ULIP (Unit Linked Insurance Plan) is a type of investment plan that combines life insurance and investment options for 30 years. When you purchase a 30-year ULIP policy, you agree to pay regular premiums for 30 years. In return, the insurance company provides you with life insurance coverage and invests your premiums in market-linked funds.
ULIP Plans
- Plan starting from ₹1,000/month
- Save upto ₹46,800 in Tax under section 80C^
- Zero LTCG Tax¶
- In built life cover
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- ULIP Returns in 30 Years
List of ULIP Funds ~
Fund Name
AUM
NAV
Returns (in %)
3 Year
5 Year
10 Year
Equity Pension
SBI Life
AUM:11,842 Cr
11,842 Cr
NAV
68.95
1.52%
Returns
12.02%
Opportunities Fund
HDFC Life
AUM:35,377 Cr
35,377 Cr
NAV
70.99
1.51%
Returns
17.79%
Highest Returns
High Growth Fund
Axis Max Life
AUM:12,572 Cr
12,572 Cr
NAV
106.58
2.02%
Returns
24.66%
Highest Returns
Opportunities Fund
ICICI Prudential Life
AUM:3,551 Cr
3,551 Cr
NAV
55.09
1.12%
Returns
14.55%
Highest Returns
Multi Cap Fund
Tata AIA Life
AUM:9,938 Cr
9,938 Cr
NAV
60.37
-1.12%
Returns
18.7%
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
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 30-Year ULIP Policy?
A 30-year ULIP policy is a financial product that combines insurance and investment components for an extended period. In this investment plan, policyholders commit to paying premiums over a 30-year duration. The premium is divided into two parts: one allocated to investment in various funds based on the policyholder's preferences, offering the potential for wealth creation, and the other designated for life coverage. The insurance aspect provides a safety net for the policyholder's family in the event of an untimely demise during the policy term, ensuring they receive a death benefit.
This long-term policy structure aligns with extended financial planning, allowing policyholders to navigate market fluctuations, benefit from compounding, and build substantial wealth. At the end of the 30-year term, policyholders receive maturity benefits, including the accumulated value of the investment component.
Why Should You Choose a 30-Year ULIP Policy?
A 30-year ULIP can be a strategic choice if you're considering a long-term investment. Here's why:
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Market-Linked Returns:
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ULIPs offer market-linked returns on debt and equity fund investments, providing higher returns than traditional savings.
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Flexibility:
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Investors can choose and adjust their fund portfolio to leverage market fluctuations.
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Note: Some plans may have restrictions on the number of switches.
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Tax Benefits:
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Tax deductions under Section 80C for invested amounts.
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Exemption on surrender, partial withdrawal, and maturity proceeds under Section 10(10D).
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Tax-free death proceeds for all ULIP plans.
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Life Coverage:
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ULIP policies provide life coverage, ensuring a financial safety net for loved ones.
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Long-Term Investment:
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Longer tenure (30 years) enhances ULIP returns, aligning with long-term financial goals.
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Partial Withdrawals:
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Policyholders can make partial withdrawals from accumulated funds during financial emergencies.
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How Does 30 Years ULIP Policy Work?
Let’s understand the working of ULIP Policy with the help of an example:
Supriya, a 30-year-old woman, purchases a 30-year ULIP policy with a sum assured of Rs. 10 lakhs. She agrees to pay an annual premium of Rs. 50,000.
The insurance company will split her premium into two parts:
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Insurance premium: This part of your premium goes towards providing you with life insurance coverage. The insurance premium amount will depend on your age, gender, and health status.
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Investment premium: This part of your premium is invested in market-linked large-cap, small-cap, mid-cap and flexi-cap funds of your choice. The value of your investment will grow or fall depending on the performance of the underlying funds.
Let's say she chooses to invest her premiums in a growth fund. The growth fund has an average annual return of 10%. After 30 years, her investment will be worth approximately Rs. 44 lakhs.
Latest ULIP NAVs
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| SBI Life Balanced Fund | ₹69.6 | ₹21160 Cr | 7.47% | 9.53% | |
| SBI Life Bond Fund | ₹50.09 | ₹16781 Cr | 5.33% | 6.66% | |
| SBI Life Equity Fund | ₹182.15 | ₹81025 Cr | 9.47% | 11.27% | |
| SBI Life Equity Optimiser Fund | ₹50.81 | ₹2622 Cr | 9.98% | 11.11% | |
| SBI Life Growth Fund | ₹88.48 | ₹2913 Cr | 8.78% | 10.87% | |
| SBI Life Money Market Fund | ₹36.7 | ₹444 Cr | 5.76% | 6% | |
| SBI Life Top 300 Fund | ₹53.23 | ₹1981 Cr | 9.5% | 11.93% | |
| SBI Life Pure Fund | ₹24.76 | ₹1150 Cr | 8.83% | - | |
| SBI Life Bond Optimiser Fund | ₹21.91 | ₹3238 Cr | 7.01% | - | |
| SBI Life Balanced Pension | ₹69.99 | ₹805 Cr | 8.09% | 10.4% | |
| SBI Life Bond Pension | ₹44.53 | ₹530 Cr | 5.2% | 6.93% | |
| SBI Life Equity Pension | ₹68.95 | ₹11842 Cr | 10.56% | 12.16% | |
| SBI Life Growth Pension | ₹69.39 | ₹632 Cr | 9.45% | 11.4% | |
| SBI Life Money Market Pension | ₹33.92 | ₹142 Cr | 5.71% | 5.98% | |
| SBI Life Equity Optimiser Pension | ₹54.38 | ₹976 Cr | 9.9% | 11.94% | |
| SBI Life Top 300 Pension | ₹51.89 | ₹710 Cr | 9.61% | 12.04% | |
| SBI Life Midcap Fund | ₹45.06 | ₹55035 Cr | 17.26% | - | |
| SBI Life Corporate Bond Fund | ₹16.32 | ₹1025 Cr | 5.38% | - | |
| SBI Life Equity Elite II | ₹48.05 | ₹12182 Cr | 8.95% | 10.9% | |
| SBI Life Index | ₹43.98 | ₹102 Cr | 9.9% | 11.45% | |
| SBI Life Index Pension | ₹45.91 | ₹27 Cr | 10.02% | 11.49% | |
| SBI Life Discontinued Policy Fund | ₹25.35 | ₹10703 Cr | 5.62% | 6.01% | |
| SBI Life Equity Elite | ₹82 | ₹13 Cr | 11.93% | 13.78% | |
| SBI Life P-E Managed | ₹36.51 | ₹215 Cr | 8.52% | 9.68% | |
| SBI Life Guaranteed Pension GPF070211 | ₹26.37 | ₹2 Cr | 5.05% | 6.5% | |
| SBI Life Bond Pension II | ₹23.23 | ₹29088 Cr | 5.1% | 6.3% | |
| SBI Life Equity Pension II | ₹38.51 | ₹12141 Cr | 9.57% | 11.75% | |
| SBI Life Money Market Pension II | ₹20.72 | ₹1532 Cr | 5.48% | 5.72% | |
| SBI Life Discontinue Pension Fund | ₹21.41 | ₹6775 Cr | 5.63% | - | |
| SBI Life Group Growth Plus Fund | ₹54.55 | ₹3 Cr | 7.72% | - | |
| SBI Life Group Debt Plus Fund | ₹39.63 | ₹113 Cr | 6.09% | - | |
| SBI Life Group Balance Plus Fund | ₹46.94 | ₹11 Cr | 6.97% | - | |
| SBI Life Group Balance Plus Fund II | ₹25.79 | ₹869 Cr | 7% | - | |
| SBI Life Group Debt Plus Fund II | ₹25.72 | ₹281 Cr | 6.2% | - | |
| SBI Life Group Growth Plus Fund II | ₹25.63 | ₹237 Cr | 8.03% | - | |
| SBI Life Group Short Term Plus Fund II | ₹21.35 | ₹19 Cr | 5.81% | - | |
| SBI Life Group Money Market Plus Fund | ₹12.48 | ₹2 Cr | 0.99% | - |
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How are Return Rates Calculated on 30 Years ULIP Policy?
The returns you get from a 30-year ULIP policy depend on various factors like your age, chosen premium, sum assured, and the investment funds you pick. Your premium is split between life cover and investments, and the returns are linked to how well the market funds perform, and risk profiling is key when selecting the best SIP in India since both ULIPs and SIPs require alignment with your risk appetite. This policy is a way to build wealth over the long term and provide life coverage. Before you choose a plan, it's important to consider how much risk you're comfortable with and your goals. It's also a good idea to regularly check your plan's terms and consider adding extra protection with riders.
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FAQ's
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What is the potential range of returns for a 30-year ULIP investment?
The potential range of returns for a 30-year ULIP investment is quite wide, ranging from negative returns to returns of over 20% per annum. The actual returns you receive will depend on a number of factors, including the specific plan you choose, the performance of the underlying funds, and the overall market conditions. -
How can I maximise my ULIP returns over 30 years?
There are a number of things you can do to maximise your ULIP returns over 30 years, including:-
Choosing a plan with a long-term investment horizon
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Investing in a diversified portfolio of funds
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Rebalancing your portfolio regularly
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Taking advantage of tax benefits
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Is a 30-year ULIP policy a good investment for me?
Whether or not a 30-year ULIP policy is a good investment for you depends on your circumstances and financial goals. If you are a long-term investor with a moderate risk appetite, a 30-year ULIP policy could 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.
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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.