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ULIP Returns in 40 Years
Estimating the ULIP returns over 40 years offers a unique perspective on wealth accumulation, combining insurance coverage with market-linked investments. Gain insights into the factors influencing ULIP performance and discover the implications for investors considering a prolonged investment horizon.
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- ULIP Returns in 40 Years
List of ULIP Funds ~
Fund Name
AUM
NAV
Returns (in %)
3 Year
5 Year
10 Year
Equity Pension
SBI Life
AUM:10,959 Cr
10,959 Cr
NAV
73.81
-0.54%
Returns
13.2%
Highest Returns
Opportunities Fund
HDFC Life
AUM:31,034 Cr
31,034 Cr
NAV
77.46
-0.93%
Returns
19.16%
Highest Returns
High Growth Fund
Axis Max Life
AUM:11,912 Cr
11,912 Cr
NAV
116.5
-1.32%
Returns
26.48%
Highest Returns
Pension Opportunities Fund
ICICI Prudential Life
AUM:136 Cr
136 Cr
NAV
59.1
-0.50%
Returns
15.9%
Highest Returns
Multi Cap Fund
Tata AIA Life
AUM:9,240 Cr
9,240 Cr
NAV
64.83
-0.68%
Returns
19.66%
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
Overview of a ULIP Plan for 40 Years
A ULIP (Unit Linked Insurance Plan) for 40 years combines insurance and investment. ULIPs provide life coverage while allowing you to invest in market-linked funds. This investment option has the potential to grow over a 40-year period, offering both life protection and wealth accumulation.
The plan's performance is linked to market fluctuations, providing the potential for returns. Over 40 years, ULIPs can serve as a comprehensive financial tool, offering insurance coverage and wealth creation through systematic investments in equity, debt, or balanced funds.
Working on a ULIP Plan for 40 Years
The working of the 40-year ULIP plan is mentioned in the list below:
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Combination of Insurance and Investment: ULIP (Unit Linked Insurance Plan) integrates life insurance with investment components.
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Premium Allocation: You allocate premiums to different investment funds based on your risk appetite and financial goals.
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Market-Linked Returns: ULIP returns are linked to the performance of chosen funds, which can include equity, debt, or a mix of both.
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Long-Term Horizon: Tailored for a 40-year duration, ULIPs serve as a prolonged financial tool for insurance coverage and wealth creation.
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Flexibility: Offers flexibility to switch between funds and adjust asset allocation over the policy term.
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Risk and Rewards: Performance is subject to market fluctuations, providing both risks and potential rewards over 40 years.
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Wealth Creation: Systematic investments in ULIPs aim to accumulate wealth over the long term.
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Maturity Benefits: On maturity, you receive the fund value, providing a lump sum amount based on market performance.
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Tax Benefits: Eligible for tax benefits under Section 80C and Section 10(10D) of the Income Tax Act.
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Death Benefits: In case of your demise during the term, beneficiaries receive the higher of the sum assured or the fund value.
Benefits of a ULIP Plan for 40 Years
The key benefits of a ULIP plan for 40 years are as follows:
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Long-Term Wealth Creation: Designed for a 40-year horizon, ULIPs facilitate systematic wealth accumulation through market-linked investments, aligning with how the best SIP to invest is one that suits long-term wealth creation plans.
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Insurance Coverage: Integrates life insurance with investment, providing financial protection to your beneficiaries in case of your unfortunate death.
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Flexible Premiums: Allows you to adjust premium payments and choose from a variety of funds based on risk tolerance and financial objectives.
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Market-Linked Returns: Potential for higher returns as ULIPs are linked to the performance of equity, debt, or balanced funds.
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Fund Switching: Offers the flexibility to switch between investment funds to adapt to changing market conditions or investment preferences.
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Tax Benefits: Eligible for tax deductions under Section 80C for premiums paid and tax-free maturity benefits under Section 10(10D).
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Maturity Benefits: On policy maturity, you receive the fund value, providing a lump sum amount based on market performance.
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Liquidity: Some ULIPs allow partial withdrawals after a lock-in period, providing liquidity in case of financial emergencies.
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Risk Management: You can customize your investment portfolio to manage risk and align with your risk tolerance.
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Comprehensive Financial Planning: Acts as a comprehensive financial tool by combining insurance coverage with long-term investment growth.
Latest ULIP NAVs
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| SBI Life Balanced Fund | ₹72.37 | ₹19525 Cr | 8.26% | 9.71% | |
| SBI Life Bond Fund | ₹50.64 | ₹17276 Cr | 5.53% | 6.66% | |
| SBI Life Equity Fund | ₹194.66 | ₹71877 Cr | 10.82% | 11.64% | |
| SBI Life Equity Optimiser Fund | ₹53.8 | ₹2365 Cr | 11.22% | 11.44% | |
| SBI Life Growth Fund | ₹93.15 | ₹2657 Cr | 9.84% | 11.15% | |
| SBI Life Money Market Fund | ₹36.82 | ₹528 Cr | 5.8% | 5.99% | |
| SBI Life Top 300 Fund | ₹56.07 | ₹1805 Cr | 10.6% | 12.18% | |
| SBI Life Pure Fund | ₹26.61 | ₹1076 Cr | 10.01% | - | |
| SBI Life Bond Optimiser Fund | ₹22.38 | ₹3215 Cr | 7.43% | - | |
| SBI Life Bluechip Fund | ₹9.84 | ₹2933 Cr | - | - | |
| SBI Life Balanced Pension | ₹72.69 | ₹773 Cr | 8.92% | 10.57% | |
| SBI Life Bond Pension | ₹45.06 | ₹548 Cr | 5.38% | 6.93% | |
| SBI Life Equity Pension | ₹73.81 | ₹10959 Cr | 11.94% | 12.56% | |
| SBI Life Growth Pension | ₹72.98 | ₹597 Cr | 10.46% | 11.68% | |
| SBI Life Money Market Pension | ₹34.04 | ₹150 Cr | 5.75% | 5.97% | |
| SBI Life Equity Optimiser Pension | ₹57.55 | ₹910 Cr | 11.14% | 12.24% | |
| SBI Life Top 300 Pension | ₹54.88 | ₹668 Cr | 10.81% | 12.34% | |
| SBI Life Midcap Fund | ₹49.54 | ₹49877 Cr | 19.36% | - | |
| SBI Life Corporate Bond Fund | ₹16.45 | ₹1082 Cr | 5.5% | - | |
| SBI Life Equity Elite II | ₹50.86 | ₹10924 Cr | 10.09% | 11.24% | |
| SBI Life Index | ₹46.89 | ₹86 Cr | 10.95% | 11.81% | |
| SBI Life Index Pension | ₹48.96 | ₹24 Cr | 11.07% | 11.85% | |
| SBI Life Discontinued Policy Fund | ₹25.47 | ₹10053 Cr | 5.67% | 5.99% | |
| SBI Life Equity Elite | ₹86.64 | ₹11 Cr | 13.14% | 14.09% | |
| SBI Life P-E Managed | ₹38.64 | ₹194 Cr | 9.75% | 10.02% | |
| SBI Life Guaranteed Pension GPF070211 | ₹26.62 | ₹2 Cr | 5.19% | 6.49% | |
| SBI Life Bond Pension II | ₹23.49 | ₹28700 Cr | 5.31% | 6.29% | |
| SBI Life Equity Pension II | ₹41.15 | ₹10509 Cr | 10.94% | 12.13% | |
| SBI Life Money Market Pension II | ₹20.79 | ₹1527 Cr | 5.52% | 5.71% | |
| SBI Life Discontinue Pension Fund | ₹21.51 | ₹6325 Cr | 5.68% | - | |
| SBI Life Group Growth Plus Fund | ₹56.87 | ₹2 Cr | 8.52% | - | |
| SBI Life Group Debt Plus Fund | ₹40.34 | ₹110 Cr | 6.43% | - | |
| SBI Life Group Balance Plus Fund | ₹48.11 | ₹10 Cr | 7.42% | - | |
| SBI Life Group Balance Plus Fund II | ₹26.47 | ₹978 Cr | 7.48% | - | |
| SBI Life Group Debt Plus Fund II | ₹26.16 | ₹285 Cr | 6.48% | - | |
| SBI Life Group Growth Plus Fund II | ₹26.66 | ₹264 Cr | 8.84% | - | |
| SBI Life Group Short Term Plus Fund II | ₹21.5 | ₹19 Cr | 5.91% | - | |
| SBI Life Group Money Market Plus Fund | ₹13.91 | ₹2 Cr | 3.17% | - |
See more plans
Calculation of ULIP Returns in 40 Years
A ULIP calculator can help you estimate the ULIP returns in 40 years in a fast and hassle-free way. All you need to do is enter the following necessary information:
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Premium Amount: Your planned investment amount per year.
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Investment Tenure: The duration you intend to stay invested.
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Expected Rate of Return: The anticipated annual growth rate of your investments (consider historical fund performance and market expectations).
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Fund Choice: The specific fund or funds within the ULIP you're considering (risk levels vary).
The calculator will display the estimated maturity value of your policy based on the data you provide. You can vary the premium amounts, tenures, rates of return, and fund choices to see how they affect projected returns.
In Conclusion
Analysing ULIP returns over a 40-year period reveals the potential for substantial growth and wealth accumulation. However, the performance is contingent on market conditions, fund selection, and risk appetite. Despite inherent uncertainties, ULIPs stand as a viable long-term investment option with the capacity to deliver significant returns over the extended horizon. This makes them a consideration for those seeking a balance of insurance and investment benefits.
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FAQ's
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Can ULIPs give higher returns?
Whether ULIPs can give higher returns depends on the specific plan, the underlying funds, your investment goals, and your risk tolerance. In general, the ULIPs have the potential to offer higher returns than the following investment options:-
Fixed Deposit Schemes
-
Tax-Saver FDs
-
Public Provident Fund (PPF)
-
National Savings Certificate (NSC)
-
-
Is ULIP good or bad?
Whether ULIPs are good or bad depends on your individual circumstances and financial goals. Overall, ULIPs can be a good option for some people, particularly those who want to combine life insurance and investment in one product and can afford the higher charges. However, they are not suitable for everyone, especially those who have a short investment horizon, cannot tolerate risk, or require flexibility in accessing their funds. -
Is ULIP better than FD?
Deciding whether a ULIP is better than an FD depends on your individual financial situation and goals.
If you are looking for a safe investment with guaranteed returns and don't need life insurance, an FD might be a better option.
If you are looking for higher potential returns and are willing to take on some market risk, a ULIP could be a good choice. Additionally, if you need life insurance coverage, ULIP can be a good option to get both investment and insurance in one plan.
-
Is ULIP better than PPF?
Whether ULIP is better than PPF depends on your individual financial goals and risk tolerance. If you prioritize life insurance coverage and potentially higher returns and are comfortable with market risk, ULIP might be a good option. If you prefer guaranteed returns, low-risk, and tax-free benefits, PPF is a safer choice.
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.