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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.
- 4.8++ Rated
- 10.5 Crore Registered Consumer
- 51 Partners Insurance Partners
- 5.3 Crore Policies Sold
ULIP Plans
- Plan starting from ₹1,000/month
- Save upto ₹46,800 in Tax under section 80C^
- Zero LTCG Tax¶
- In built life cover
We are rated++
10.5 Crore
Registered Consumer
51
Insurance Partners
5.3 Crore
Policies Sold
Top performing plans˜ with High Returns**
Invest ₹10K/month & Get ₹1 Crore# Tax-Free*
- Home
- Life Insurance
- Ulip Plans
- Bajaj Allianz ULIP Plan Calculator
Investment Return Calculator (Power of Compounding)
- One Time
- Monthly
- Yearly
₹
Top Funds with High Returns (Past 7 Years)
18.4%
High Growth Fund
17.46%
Top 200 Fund
14.73%
Accelerator Mid-Cap Fund II
14.71%
Opportunities Fund
10.2%
Equity II Fund
13.35%
Accelerator Fund
13.81%
Grow Money Plus Fund
15.51%
Multiplier
11.51%
Equity Top 250 Fund
13.34%
Future Apex Fund
12.36%
Opportunities Fund
14.08%
Frontline Equity Fund
15.09%
Virtue II
10.83%
Pension Dynamic Equity Fund
11.79%
Equity Fund
10.16%
Blue-Chip Equity Fund
View Plans
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.Â
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 ReturnsÂ
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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.
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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.Â
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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.
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Rate of Returns
In this step, the policyholder may provide the expected return to calculate the total returns on the investment.Â
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Investment Duration
Lastly, a policyholder may provide the duration he wishes to stay invested.
List of ULIP Funds ~
Fund Name
AUM
NAV
Returns (in %)
3 Year
5 Year
10 Year
High Growth Fund
Max Life
AUM:9,928 Cr
9,928 Cr
NAV
116.7
-0.60%
Returns
32.68%
Highest Returns
Top 200 Fund
Tata AIA
AUM:2,323 Cr
2,323 Cr
NAV
178.67
-1.91%
Returns
27.62%
Accelerator Mid-Cap Fund II
Bajaj Allianz
AUM:5,652 Cr
5,652 Cr
NAV
83.19
-0.40%
Returns
23.49%
Opportunities Fund
HDFC Standard
AUM:37,289 Cr
37,289 Cr
NAV
78.13
-0.49%
Returns
24.37%
Equity II Fund
Canara HSBC Oriental Bank
AUM:3,556 Cr
3,556 Cr
NAV
42.15
-0.33%
Returns
17.44%
see more plans
Disclaimer :
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. 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. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
Check out our other calculators: SIP Calculator
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.
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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.
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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.
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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.Â
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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.
People Also Read: Bajaj Allianz Life Midcap Index Fund NFO
Benefits of Bajaj Allianz ULIP Calculator
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The Bajaj Allianz ULIP calculator is user-friendly since a policyholder is not required to go through any special instructions to use the calculator.
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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.
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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.
ULIP Plan Calculators
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
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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
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.
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. 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. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India 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.
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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