Download the Policybazaar app
to manage all your insurance needs.
ULIPs Are a Little Tricky But Easy to Make Good Money
Different from a regular insurance policy, a Unit Linked Insurance Plan (ULIPS) gives investors the benefit of both investment and insurance. A part of your investment will go towards ensuring your life and the rest will be invested on your behalf in different plans which you choose. Your life cover will depend on the premium which you pay. The primary benefit which it offers is that there is no need to execute the two transactions separately.
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
- ULIPs Are a Little Tricky But Easy to Make Good Money
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
72.58
-1.54%
Returns
10.59%
Opportunities Fund
HDFC Life
AUM:34,475 Cr
34,475 Cr
NAV
77.84
-1.63%
Returns
15.93%
Highest Returns
High Growth Pension Fund
Axis Max Life
AUM:29 Cr
29 Cr
NAV
10.18
-0.23%
Returns
22.85%
Highest Returns
Opportunities Fund
ICICI Prudential Life
AUM:3,457 Cr
3,457 Cr
NAV
59.16
-1.33%
Returns
12.93%
Multi Cap Fund
Tata AIA Life
AUM:10,579 Cr
10,579 Cr
NAV
65.01
-1.49%
Returns
16.89%
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
ULIPS are Flexible and Dynamic in Nature
In the case of ULIPs, you can choose the sum assured at the time of policy inception. Additionally, some ULIPs will allow you to increase the sum assured over the term of the plan. It is important that you choose the appropriate ULIP which is in accordance with your financial capabilities.
Choosing the Right Plan
Make sure that you evaluate your risk appetite and find out what the ULIP offers before you narrow down on a plan. As the investment risk will be borne completely by the policyholder, you need to monitor the policy closely and actively. Before you choose an appropriate plan, ascertain your financial commitments, funding needs, and risk appetite. The choice of the plan should largely depend on your risk appetite, and risk assessment helps in selecting the best SIP.
Why ULIPs are a Little Tricky?
Additionally, it is important to understand the charges which are associated with a ULIP. In the first year, you may have to pay an overhead charge of 25% to 30% of the premium. The entry load for the fund is around 5% while the policy administration charges are around 1.5%. In case of an eventuality, your family will get the insurance amount. As long as there are funds in your account to pay the premium, your life is covered. But when the unit value falls to an extent that it does not cover the insurance, you may be asked to pay the premium failing which the policy will lapse. Further, the portfolio disclosures are not made regularly and openly as in the case of a mutual fund which reduces the transparency quotient of a ULIP.
Deciding on the Financial Goals
If you are looking to invest in a ULIP you should ensure that the goal for which it is used is approximately 10 years away. The charges such as the mortality charges, administration charges, and fund management charges are amortized in the initial few years. Thus, an early exit will not favor the investor. As the impact of cost is less in the long term, less charge will eat into your return.
How ULIPs are Beneficial?
Although a little tricky, a good ULIP plan will yield high returns. An effective plan is one that costs less to give good returns. It should provide adequate life cover and must have proper disclosure with respect to returns and costs in addition to good servicing. Unlike mutual funds, ULIPs have a simpler cost structure. ULIPs offer policyholders the flexibility to choose fund options. They come with an in-built range of funds which can range from aggressive to conservative. You can decide which to choose depending on your investment preferences. ULIPs also offer the choice of switching between different fund options so that you can reap the maximum benefits.
Latest ULIP NAVs
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| SBI Life Balanced Fund | ₹71.65 | ₹20171 Cr | 7.02% | 9.31% | |
| SBI Life Bond Fund | ₹51.1 | ₹16641 Cr | 5.37% | 6.67% | |
| SBI Life Equity Fund | ₹189.77 | ₹77698 Cr | 8.62% | 11.01% | |
| SBI Life Equity Optimiser Fund | ₹53.11 | ₹2513 Cr | 9.5% | 10.95% | |
| SBI Life Growth Fund | ₹91.9 | ₹2808 Cr | 8.06% | 10.64% | |
| SBI Life Money Market Fund | ₹37.15 | ₹487 Cr | 5.88% | 5.95% | |
| SBI Life Top 300 Fund | ₹54.67 | ₹1918 Cr | 8.53% | 11.48% | |
| SBI Life Pure Fund | ₹26.72 | ₹1179 Cr | 8.22% | - | |
| SBI Life Bond Optimiser Fund | ₹22.49 | ₹3231 Cr | 6.92% | - | |
| SBI Life Bluechip Fund | ₹9.63 | ₹3250 Cr | - | - | |
| SBI Life Balanced Pension | ₹72.04 | ₹805 Cr | 7.74% | 10.18% | |
| SBI Life Bond Pension | ₹45.38 | ₹544 Cr | 5.22% | 6.93% | |
| SBI Life Equity Pension | ₹72.58 | ₹11974 Cr | 9.76% | 12% | |
| SBI Life Growth Pension | ₹72.09 | ₹631 Cr | 8.69% | 11.13% | |
| SBI Life Money Market Pension | ₹34.34 | ₹149 Cr | 5.83% | 5.94% | |
| SBI Life Equity Optimiser Pension | ₹56.34 | ₹975 Cr | 9.33% | 11.63% | |
| SBI Life Top 300 Pension | ₹53.89 | ₹712 Cr | 8.83% | 11.71% | |
| SBI Life Midcap Fund | ₹49.6 | ₹57040 Cr | 16.6% | - | |
| SBI Life Corporate Bond Fund | ₹16.6 | ₹1041 Cr | 5.3% | - | |
| SBI Life Equity Elite II | ₹50.14 | ₹11654 Cr | 8.37% | 10.62% | |
| SBI Life Index | ₹45.38 | ₹92 Cr | 8.55% | 11.03% | |
| SBI Life Index Pension | ₹47.39 | ₹25 Cr | 8.68% | 11.07% | |
| SBI Life Discontinued Policy Fund | ₹25.7 | ₹10510 Cr | 5.6% | 5.97% | |
| SBI Life Equity Elite | ₹84.58 | ₹12 Cr | 11.12% | 13.35% | |
| SBI Life P-E Managed | ₹37.87 | ₹202 Cr | 8.24% | 9.42% | |
| SBI Life Guaranteed Pension GPF070211 | ₹26.83 | ₹2 Cr | 5.08% | 6.5% | |
| SBI Life Bond Pension II | ₹23.67 | ₹28724 Cr | 5.12% | 6.3% | |
| SBI Life Equity Pension II | ₹40.17 | ₹11211 Cr | 8.68% | 11.37% | |
| SBI Life Money Market Pension II | ₹20.96 | ₹1524 Cr | 5.6% | 5.68% | |
| SBI Life Discontinue Pension Fund | ₹21.7 | ₹6508 Cr | 5.62% | - | |
| SBI Life Group Growth Plus Fund | ₹56.61 | ₹3 Cr | 7.52% | - | |
| SBI Life Group Debt Plus Fund | ₹40.53 | ₹112 Cr | 6.06% | - | |
| SBI Life Group Balance Plus Fund | ₹48.15 | ₹10 Cr | 6.74% | - | |
| SBI Life Group Balance Plus Fund II | ₹26.49 | ₹1035 Cr | 6.8% | - | |
| SBI Life Group Debt Plus Fund II | ₹26.3 | ₹309 Cr | 6.08% | - | |
| SBI Life Group Growth Plus Fund II | ₹26.61 | ₹274 Cr | 7.87% | - | |
| SBI Life Group Short Term Plus Fund II | ₹21.75 | ₹19 Cr | 5.92% | - | |
| SBI Life Group Money Market Plus Fund | ₹14 | ₹2 Cr | 3.23% | - |
See more plans
Range of Funding Options
The fund options cater to the varying levels of risk appetites. On the aggressive side, the funds are invested mostly in equities which improves returns but increases volatility as well. This requires you to be more careful after the inception of the plan. On the conservative side, the funds are mostly invested in debts and money markets which ensure stable returns and low risk. Depending on your financial capabilities, you can choose to opt for a hybrid plan as well where a portion will be invested in equities and the balance in debts and money market securities.
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.