Axis ULIP Calculator - Calculate Your Returns Online

Axis ULIP (Unit Linked Insurance Plan) comprises of an investment and insurance policy. Due to the hybrid nature of the plan, one portion of the fund is deposited into the investment plan. At the same time, the remaining fund is utilized in order to cover the life insurance of a policyholder. Axis ULIP is an incredible product to achieve long-term financial objectives such as children's education, a luxury car or dream house, retirement, etc.

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Investment Return Calculator (Power of Compounding)
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Invest For (in Years)

1 30

Stay invested for (in Years)

1 30

Expected rate of return (in %)

1 35
 
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A policyholder may invest in any of the markets he deems fit in order to accumulate a significant corpus. 

An investor with a high-risk appetite may consider equity to invest in the remaining fund after covering the life insurance. Further, to reduce the risk, he may invest in debt or consider a hybrid form of investment. However, before making any investment, a policyholder must determine the cost of the premium and returns offered by an Axis ULIP plan. While investing in insurance and investment products, the growth of wealth must be compared with the cost and the returns it offers. 

Axis ULIP calculator

The Axis ULIP calculator is designed to assist the investor in order to calculate and understand the ULIP products and returns an investor may expect from the investment. As a result, the investor may conclude the most suitable plan offered by the ULIP. The calculation of returns and investment can be made based on equity, debt, and hybrid origin. By selecting the average rate of returns, the investor may calculate the total income he is entitled to get on the expiry or maturity of the product. In addition, the investor can also draw comparisons among various ULIP products by calculating the premium and returns. 

Benefits of Axis ULIP Calculator

The Axis ULIP calculator is a digital device that helps investors calculate the returns they may accumulate in long-term investment planning. Let us understand some of the benefits an investor is likely to utilize by using the Axis ULIP calculator.

  1. Precise result

    The Axis ULIP calculator shows a clear and accurate result to the investor. It is a computerized calculator which always provides the right calculation. The investor may select the expected returns and the amount he is likely to invest in the ULIP plan in order to get the total returns.

  2. Accessibility

    An investor can easily access the Axis ULIP calculator online. He is not required to visit the offices or banks in order to acquire information about his investment. The Axis ULIP calculator is available online, which helps the investor to get the exact result without leaving the comfort zone of the home. 

    Invest more and Get more with ULIP Plan Invest more and Get more with ULIP Plan
  3. Convenient

    Due to the user-friendly interface, the Axis ULIP calculator is convenient for investors. One may visit the official website of Axis bank to search for accurate and precise investment results. The investor may fill in the required details such as premium amount, expected outcome, and a portion of the fund towards insurance and investment and may get a clear result quickly. 

Key Information Required to Use the ULIP Calculator

  1. Frequency 

    An investor must fill in the details of the stipulated period or frequency of payment of the premium amount in order to calculate the result. The frequency refers to the time period when the policyholder is required to pay the premium amount. For example, it could be on a monthly, quarterly, or annual basis. 

  2. Premium

    It is at the discretion of the investor to select the premium amount he is likely to allocate at the stipulated period to accumulate a significant fund. The Axis ULIP plan offers various alternatives for the premium selection. Investors may select one according to their savings and income and pay for the product. 

    Additionally, the investor is also required to select the portion of the fund he is likely to dedicate or allocate his premium amount. He may decide to allocate more towards the investment products and less to the insurance policy. If the plan of the investor is to generate more returns, he should allocate at least 60 percent of the premium amount towards the investment product. Or else he can allocate 50-50 towards both products.

    Invest in high growth ULIP Plans Invest in high growth ULIP Plans
  3. Type of Fund

    There are three types of funds that exist under a ULIP plan. These are,

    Equity: Equity is regarded as a risk-associated fund that can potentially offer a significant result on the investment. 

    Debt: Debt is a low-risk fund that offers a fair investment return.

    Hybrid: It comprises both equity and debt and is a low to moderate-risk associated fund with significant returns.

    An investor may select any of them while calculating the returns.

  4. Expected Rate of Return

    The investor needs to fill in the rate of return he expects from a product. For example, regarding risk-free instruments, the rate of returns varies from one to nine percent. However, in terms of market-linked instruments, the rate of returns varies from one to fifteen percent. Hence, one may consider seven percent as the average rate of return. 

  5. Investment Duration

    Lastly, a policyholder should fill in the duration of the investment. For example, it could be ten to sixty years.

Top ULIP Funds
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
1,772 Cr
Returns
23.15%
Returns
27.3%
Highest Returns
Returns
19.47%
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2,984 Cr
Returns
21.78%
Returns
23.76%
Highest Returns
Returns
17.76%
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2,475 Cr
Returns
18.83%
Returns
19.17%
Highest Returns
Returns
16.34%
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1,271 Cr
Returns
15.16%
Returns
18.29%
Highest Returns
Returns
15.89%
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980 Cr
Returns
17.85%
Returns
18.97%
Highest Returns
Returns
15.65%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
11,839 Cr
Returns
21.83%
Returns
23.81%
Highest Returns
Returns
19.95%
Get Details
6,136 Cr
Returns
26.84%
Returns
27.87%
Highest Returns
Returns
18.81%
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4,172 Cr
Returns
21.74%
Highest Returns
Returns
20%
Returns
17.43%
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1,435 Cr
Returns
27.49%
Highest Returns
Returns
24.32%
Returns
16.84%
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36,694 Cr
Returns
19.19%
Returns
19.75%
Highest Returns
Returns
16%
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Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
247 Cr
Returns
11.88%
Returns
13.92%
Highest Returns
Returns
11.99%
Get Details
352 Cr
Returns
12.26%
Returns
12.56%
Highest Returns
Returns
11.38%
Get Details
526 Cr
Returns
9.79%
Returns
10.72%
Highest Returns
Returns
10.34%
Get Details
837 Cr
Returns
11.67%
Returns
11.81%
Highest Returns
Returns
10.23%
Get Details
22 Cr
Returns
12.6%
Highest Returns
Returns
11.89%
Returns
10.17%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
494 Cr
Returns
16.43%
Returns
17.28%
Highest Returns
Returns
15.3%
Get Details
242 Cr
Returns
6.94%
Returns
7.91%
Returns
8.81%
Highest Returns
Get Details
786 Cr
Returns
5.4%
Returns
6.88%
Returns
8.1%
Highest Returns
Get Details
302 Cr
Returns
5.86%
Returns
6.8%
Returns
7.79%
Highest Returns
Get Details
465 Cr
Returns
5.1%
Returns
6.93%
Returns
7.78%
Highest Returns
Get Details

Conclusion

The Axis ULIP calculator is the best tool to estimate the returns on the investment. It allows the investor to draw several comparisons between the ULIP and traditional plan. In addition, the investor is not bound to purchase a product after using the Axis ULIP calculator. It explicitly depends on the choice of the investor if he wishes to proceed forward with the Axis ULIP plan.

FAQ's

  • What if the policyholder died?

    Upon the policyholder's demise, his loved ones, known as the product's beneficiary, are authorized to claim the returns on the investment. Hence, all the benefits of the Axis ULIP plan are meant to be utilized by the beneficiary of the policyholder. 
  • How can the policyholder enjoy tax exemption under Axis ULIP Plan?

    The policyholder may enjoy the tax benefits in two different ways.
    Under section 80C of the Income Tax Act 1961, the policyholder may claim a deduction of up to INR 1,50,000 on the premium he allocated during a financial year. In addition, a policyholder is entitled to receive the total returns on the investment, and no tax could be assessed on the returns under section 10 (10D) of the Income Tax Act 1961.
  • Which fund should I select to invest in the ULIP plan?

    An investor with a high-risk appetite should approach equity, while an investor who wishes to reduce the risk should invest in debt. However, a hybrid fund is also a considerable choice that offers from less to moderate risk. 
  • What is the lock-in period in the Axis ULIP plan?

    Five years is the lock-in period in the Axis ULIP plan. Before 2010, it was three years. However, the lock-in period was extended to five years after an amendment to the plan made by IRDAI (Insurance Regulatory and Development Authority of India).
  • Do I require giving any personal detail in order to use the Axis ULIP calculator?

    No, the Axis ULIP calculator does not ask for any personal details. An investor is only required to fill in the expected returns along with the premium amount to calculate the total income he may expect on a given rate of interest.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
^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
~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.

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