Bajaj Allianz ULIP Plan Calculator

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.

   

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

Returns 3 Years 5 Years 10 Years

Equity (Large, Mid Cap) Balanced Debt

Fund Name

AUM

NAV

Returns (in %)

3 Year

5 Year

10 Year

Whole Life Mid Cap Equity Fund

Tata AIA

AUM:13,041 Cr

13,041 Cr

NAV

155.97

-0.88%

Returns

24.07%

Returns

29.02%

Highest Returns

Returns

20.47%

Get Details

Top 200 Fund

Tata AIA

AUM:2,044 Cr

2,044 Cr

NAV

178

-1.55%

Returns

24.74%

Returns

31.65%

Highest Returns

Returns

20.12%

Get Details

High Growth Fund

Max Life

AUM:7,665 Cr

7,665 Cr

NAV

119.16

-0.77%

Returns

29.03%

Returns

29.68%

Highest Returns

Returns

20.1%

Get Details

Multiplier

Birla Sun Life

AUM:4,680 Cr

4,680 Cr

NAV

100.49

-0.58%

Returns

24.01%

Returns

25.73%

Highest Returns

Returns

18.69%

Get Details

Virtue II

PNB Metlife

AUM:3,473 Cr

3,473 Cr

NAV

79.02

-0.57%

Returns

22.28%

Returns

27.93%

Highest Returns

Returns

18.14%

Get Details

Fund Name

AUM

NAV

Returns (in %)

3 Year

5 Year

10 Year

Whole Life Stable Growth Fund

Max Life

AUM:256 Cr

256 Cr

NAV

60.88

-0.26%

Returns

13.13%

Returns

15.92%

Highest Returns

Returns

12.62%

Get Details

Balanced Fund

Max Life

AUM:367 Cr

367 Cr

NAV

48.16

-0.13%

Returns

13.48%

Returns

15.05%

Highest Returns

Returns

11.99%

Get Details

Growth Plus Fund

Max Life

AUM:591 Cr

591 Cr

NAV

37.08

-0.13%

Returns

13.79%

Returns

15.67%

Highest Returns

Returns

11.3%

Get Details

Save N Grow Money Fund

Max Life

AUM:70 Cr

70 Cr

NAV

58.68

-0.12%

Returns

10.4%

Returns

11.99%

Highest Returns

Returns

10.83%

Get Details

Creator

Max Life

AUM:541 Cr

541 Cr

NAV

100.45

-0.23%

Returns

10.51%

Returns

12.56%

Highest Returns

Returns

10.81%

Get Details

Fund Name

AUM

NAV

Returns (in %)

3 Year

5 Year

10 Year

Pure Fund

Max Life

AUM:575 Cr

575 Cr

NAV

54.02

-0.37%

Returns

16.86%

Returns

21.81%

Highest Returns

Returns

15.22%

Get Details

Builder

Max Life

AUM:243 Cr

243 Cr

NAV

89.11

-0.06%

Returns

7.43%

Returns

8.47%

Returns

9.01%

Highest Returns

Get Details

Whole Life Income Fund

Max Life

AUM:773 Cr

773 Cr

NAV

37.75

0.00%

Returns

5.89%

Returns

6.75%

Returns

8.27%

Highest Returns

Get Details

Conservative Fund

Max Life

AUM:235 Cr

235 Cr

NAV

54.81

-0.03%

Returns

7.17%

Returns

7.87%

Returns

8.02%

Highest Returns

Get Details

Protector

Max Life

AUM:304 Cr

304 Cr

NAV

63.69

-0.02%

Returns

6.28%

Returns

7.03%

Returns

8.01%

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.

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.

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