HDFC ULIP Calculator

ULIP, also known as Unit Linked Insurance Plan, is a combined insurance product that offers the benefits of both insurance and investment services in a solitary plan. It is a vastly popular investment plan among policyholders and investors because it offers great returns with insurance. A fraction of your premium is utilized for insurance protection. The remaining fraction is used to invest in various market-linked schemes. This unique combination of investment and insurance gives it the name of Unit Liked Insurance Plan. An HDFC ULIP Calculator is a great online tool that you can use to understand the ULIP more thoroughly and get to know about its returns.

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Why Should You Use HDFC ULIP Calculator

HDFC ULIP calculator is created strategically aiming at your future investments and determining the most suitable ULIP plan so that you can get the most promising returns. Therefore, let us look at some reasons why should you be using the HDFC ULIP Plan Calculator:

Future Prospective: HDFC ULIP plan calculator is beneficial in overseeing long-term investment goals. You may use this tool for planning your future objectives such as retirement, children's education, etc.
Accessibility: It is an easily accessible and free-to-use online tool. You can conveniently use the HDFC ULIP Plan calculator from your comfort place at any time.
Convenient and Simple Usage: For using the calculator, you are not required to have a deep understanding of finance and investment. The online tool is built in a user-friendly way that helps investors to use it without any difficulty. For example, you can get a precise result on the ideal recompense amount required to achieve your long-term financial objectives by inputting some basic details about your investment plans.
Compare different ULIP: You can use the HDFC ULIP plan calculator effectively by evaluating and comparing the various ULIP schemes and plans and then selecting the best plan per your future goals, affordability, and necessities.
Complete control over your investment decisions: Using the HDFC ULIP calculator for planning your future goals and investment plans provides you with full control over your investment decisions. You can check the different monopolies of premiums and tenures and find the end computed value of your ULIP investment.

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How to use an HDFC ULIP Calculator?

HDFC ULIP calculator is built in a user-friendly way that helps investors to use it without any difficulty. The following are the different steps you need to follow for utilizing the calculator:

Step 1: Visit the official HDFC Website.
Step 2: Click on the HDFC ULIP calculator tool.
Step 3: Enter the preferable ideal amount for your long-term monetary plans.
Step 4: Enter the tenure period for which you want to make your HDFC ULIP investments.
Step 5: Now, enter the percentage of market-linked instruments and risk-free instruments as per your choice.
Step 6:- Now, enter the return rate on risk-free instruments and market-linked instruments expected by you.
Step 7: On entering all the details asked by the tool, the HDFC ULIP calculator will now automatically provide you with the results based on your entered details.

The tool will give information about investments in market-linked instruments, risk-free instruments, and the ideal premium amount required to achieve your long-term financial objectives.

HDFC ULIP Calculator Example

Step 1: Let the ideal amount for long-term plans be Rs 20,00,000.

Amount: Rs 20,00,000

Step 2: Let the tenure period for your investment be 15 years.

Duration: 15 years.

Step 3: Let the Investment division percentage be:

Risk-free instruments: 40%
Market linked instruments: 60%

Step 4: Let the expected rate of returns be:

Risk-free instruments: 6%
Market-linked instruments: 8%

Results:

Risk-free instrument Investment: Rs.34,370
Market linked instruments investments: Rs.44,195
Annual investment needed: Rs.78,565

Advantages of HDFC ULIP Calculator

Let us look at some of the significant advantages of using an HDFC ULIP calculator:

Transparency: HDFC ULIP calculator provides complete clarity and transparency in the computation of the returns. The online tool will help you calculate the returns for a certain fund for a chosen tenure period in the most apparent and obvious procedure.
Flexibility: You get complete flexibility using the HDFC ULIP calculator. You can change the premium amount and tenure variables as per your needs, get different outcomes, and then compare and decide the best and most affordable investment plan for your long-term goals.
Promising planning of life goals: HDFC Life ULIP calculator is beneficial in planning your long-term financial investment goals most strategically and effectively. You'll get an estimated idea of the fractions of risk-free instruments, market-linked instruments, and the ideal premium amount required to achieve your long-term financial objectives.
Logical investment decisions: It is essential to analyze and compare the estimated returns of different ULIP schemes available. So, with the help of the HDFC ULIP calculator, this task becomes easy. Once comparing all the available ULIP schemes, making logical decisions for your financial investment planning will be relatively easy.

Information Required While Using HDFC ULIP Calculator

You must be acquainted with the following information before using the HDFC ULIP calculator:

Have an estimated idea of the amount that you want at the time of maturity.
Have an estimated idea of the duration of tenure for which you want your investment returns to come about.

Know the chosen HDFC ULIP fund for investment.
Know the premium paying frequency for the selected ULIP investment plan.
Have an estimated idea of the rate of return for the chosen HDFC ULIP investment scheme.

Summing it Up

Long-term investment plans for securing a safe and great future for yourself and your family are essential in today's time. ULIP plans like the HDFC ULIP plan is an excellent investment option as it helps you make organized investments resulting in the growth of money and insurance protection that effectively leads you to a bright future. To make investments in ULIPs even easier for common people, online tools like the HDFC ULIP Calculator are a great help. They help you understand ULIPs more thoroughly and make informed decisions. The customer-friendly interface and easy access only add to the several benefits of the HDFC ULIP Return Calculator.

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FAQ's

Q1. Are there any differences between the returns on risk-free instruments and market-linked instruments?

Ans. Yes, there are differences. Returns in the case of risk-free instruments are fairly lower than returns in the case of market-linked instruments.
Q2. Is the HDFC Life ULIP Calculator beneficial for offline ULIP investors also?

Ans. Yes, even if you are investing in an HDFC ULIP scheme offline, you can use the HDFC ULIP return calculator tool online for getting an estimated idea of the returns you will be getting at the time of maturity.
Q3. Does the HDFC Life ULIP Calculator result in the exact amount of premium I will be required to pay?

Ans. No, although the HDFC ULIP Calculator gives detailed information about your premium, it is still an estimated value, and the actual premium to pay can vary a little.
Q4. What can be the tenure for investing in the HDFC ULIP plan?

Ans. The investment tenure can be anywhere between 5 – 15 years. You can choose the term according to your investment strategy.
Q5. Does the HDFC ULIP Plan Calculator ask for any personal details that might be unsafe to share before use?

Ans. No, the HDFC ULIP plan calculator does not ask for any personal details that are unsafe to share. It only asks for basic information like investor's age, gender, etc.