Bajaj Allianz ULIP Plan Calculator

Bajaj ULIP (Unit Linked Insurance Plan) is a popular investment option for investors. It offers dual benefits of insurance protection and the opportunity for wealth creation. The investor may invest in the capital market and secure a life insurance policy with a single premium.

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Best ULIP Plans
  • Guaranteed Tax Savings

    Guaranteed Tax Savings^

    Under sec 80C & 10(10D)
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    ₹1 Crore

    Invest ₹10k Per Month*
  • Zero LTCG Tax

    Zero LTCG Tax^

    Unlike 10% in Mutual Funds
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rating
6.7 Crore
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Policies Sold

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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In order to start with Bajaj ULIP, the investor needs to pay a premium or a lump sum payment on a monthly, quarterly, half-yearly, or annual basis. Then, the investor, as per his contribution to the premium amount, is assigned units that could be liquidated at the expiry or maturity of the policy.

However, before making an investment in the ULIP plan, it is critical for an investor to ensure whether the plan is appropriate as per the financial requirement. Handy online tools known as Bajaj ULIP calculators can give a basic idea about the returns on the investment. The investor may calculate the returns by entering the expected percentage of returns along with the premium amount he is liable to pay.

How Does Bajaj Allianz ULIP Calculator Work?

An investor must conduct a comprehensive analysis of an investment plan before making an investment. Bajaj Allianz ULIP calculator provides the means to get a fair idea to estimate the returns that one may accumulate from the ULIP investment. Hence, the investor may calculate or estimate the corpus they may be based on their inputs. 

Let us understand the details an investor needs to provide in order to get the expected returns a ULIP plan may provide.

Bajaj Allianz ULIP Calculator for Returns 

  1. Period of Premium Payment

    An investor may fill in the frequency or the time period he is willing to allocate the premium amount. The amount can be paid on a monthly, quarterly, half-yearly, and annual basis. The policyholder may select any of them to calculate the returns. However, the policyholder must remember that one portion of the amount covers the life insurance policy. At the same time, the remaining funds are required to invest in the money market by the investor. The investor may choose any market and can invest accordingly. Nevertheless, the investor must allocate the portion of the premium he is willing to invest in the capital market and insurance policy.

  2. Premium Amount

    In the next step, the investor is required to fill in the premium amount he is willing to pay for the ULIP plan. 

  3. Type of Fund

    The investor must provide the details of the type of fund he is willing to get his premium invested in. For example, if he has a high-risk appetite, he may select the equity fund to invest the portion of the ULIP premium amount. In addition, if he wishes to reduce the risk, he may invest in a debt fund that is a low-risk associated fund, and provide reasonable returns. Finally, if he deems fit, the investor may also proceed with a hybrid form of a fund associated with low to medium risk and provide considerable returns.

    Invest more and Get more with ULIP Plan Invest more and Get more with ULIP Plan
  4. Rate of Returns

    In this step, the policyholder may provide the expected return to calculate the total returns on the investment. 

  5. Investment Duration

    Lastly, a policyholder may provide the duration he wishes to stay invested.

People also read: Bajaj Allianz Small Cap Quality Index Fund

Bajaj Allianz ULIP Calculator for Premium

Sometimes, a policyholder may wish to calculate the premium amount on the given target he needs to achieve in a stipulated period. With the Bajaj Allianz ULIP calculator, an investor may also calculate the premium amount he must pay annually to achieve the targeted corpus. Let us understand it step-by-step.

  1. Achievable Amount

    In the first step, an investor is required to enter the amount or corpus he wishes to achieve in a long-run investment. The corpus may vary from INR one lakh to INR 100 crore value. Hence, per the financial requirement, the policyholder may enter the amount.

  2. Time Period

    In the second step, the policyholder needs to enter the duration he wishes his funds to be invested. The time duration may vary from 10 to 60 years.

  3. Division of Investment

    As stated earlier, ULIP provides dual benefits in a single premium amount. Hence, the investor is required to divide the premium and allocate it as per his needs or convenience. 

  4. Expected Returns

    The policyholder needs to provide the expected returns he anticipates from the ULIP plan. In the case of the risk-free instrument, the rate of returns varies from one to nine percent. However, in the market-linked instrument, the rate of returns varies from one to fifteen percent.

Top ULIP Funds
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
1,663 Cr
Returns
26.72%
Returns
27.01%
Highest Returns
Returns
20.76%
Get Details
2,894 Cr
Returns
24.45%
Highest Returns
Returns
22.83%
Returns
18.66%
Get Details
2,337 Cr
Returns
23.41%
Highest Returns
Returns
19.4%
Returns
17.94%
Get Details
961 Cr
Returns
20.27%
Highest Returns
Returns
18.65%
Returns
17.15%
Get Details
6,464 Cr
Returns
19.12%
Highest Returns
Returns
17.41%
Returns
16.85%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
11,380 Cr
Returns
24.25%
Highest Returns
Returns
23.2%
Returns
21.58%
Get Details
1,340 Cr
Returns
30.17%
Highest Returns
Returns
23.17%
Returns
19.65%
Get Details
5,651 Cr
Returns
29.27%
Highest Returns
Returns
26.75%
Returns
19.47%
Get Details
4,058 Cr
Returns
26.02%
Highest Returns
Returns
19.28%
Returns
19.28%
Get Details
5,938 Cr
Returns
24.72%
Highest Returns
Returns
18.51%
Returns
18.52%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
241 Cr
Returns
13.58%
Returns
14.47%
Highest Returns
Returns
12.81%
Get Details
344 Cr
Returns
13.28%
Highest Returns
Returns
12.53%
Returns
12.17%
Get Details
523 Cr
Returns
10.86%
Returns
10.83%
Returns
11.04%
Highest Returns
Get Details
836 Cr
Returns
13.3%
Highest Returns
Returns
11.91%
Returns
11.02%
Get Details
21 Cr
Returns
13.59%
Highest Returns
Returns
11.77%
Returns
10.81%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
487 Cr
Returns
19.06%
Highest Returns
Returns
16.57%
Returns
16.12%
Get Details
243 Cr
Returns
7.25%
Returns
8.16%
Returns
9.18%
Highest Returns
Get Details
777 Cr
Returns
5.17%
Returns
7.26%
Returns
8.29%
Highest Returns
Get Details
305 Cr
Returns
5.9%
Returns
7.06%
Returns
8.07%
Highest Returns
Get Details
466 Cr
Returns
4.96%
Returns
7.46%
Returns
8.05%
Highest Returns
Get Details

People Also Read: Bajaj Allianz Life Midcap Index Fund NFO

Benefits of Bajaj Allianz ULIP Calculator

  • The Bajaj Allianz ULIP calculator is user-friendly since a policyholder is not required to go through any special instructions to use the calculator.

  • The calculator does not charge any amount and is free to use. In addition, the user is not mandated to proceed with the investment using the calculator.

  • The investor may make the investment decision after getting a clear idea using the calculator. One is only required to provide the necessary details to see the result.

Invest in high growth ULIP Plans Invest in high growth ULIP Plans

Conclusion

Bajaj Allianz ULIP calculator is a user-friendly tool that is accessible to every investor. It allows the investor to estimate the expected returns from the investment. Further, the investor may draw several comparisons between ULIP plans using the ULIP calculator. Bajaj Allianz ULIP calculator shows the precise result to the investor. The investor may conveniently use the calculator online.

FAQ's

  • What are ULIP charges bound to be deducted upon the withdrawal of funds?

    A ULIP plan includes the following charges.
    • Fund allocation charges
    • Mortality charges
    • Fund management charges
    • Policy administration charges
    • Surrender charges
  • What is Bajaj Allianz ULIP calculator?

    Bajaj Allianz ULIP calculator is an online tool that helps the investor calculate the premium and returns on the investment.
  • What essential information do I need to provide to use the ULIP calculator?

    A user needs to provide the following details in order to use the ULIP calculator.
    • Frequency of payment
    • Premium amount
    • Type of funds
    • Expected rate of returns
    • Duration
    Can I get guaranteed returns in the ULIP plan?
    Returns are not guaranteed. It depends on the condition and movement of the market.
  • Can I buy ULIP plan?

    Everyone can buy a ULIP plan either online or offline. An individual may get in touch with a bank or an agent in order to purchase the ULIP plan.

*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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