Can I use the calculator to compare different IndiaFirst ULIP plans?

Yes, the calculator often allows you to compare different ULIP plans offered by IndiaFirst Life Insurance, considering factors like costs, returns, and policy duration.

What factors should I consider when choosing a ULIP?

Consider factors like your financial goals, risk tolerance, investment horizon, premium affordability, charges associated with the policy, and the fund performance history.

How often should I review my ULIP investment?

It is recommended to review your ULIP investment periodically, at least annually, or when there are significant changes in your financial situation or market conditions.

IndiaFirst ULIP Calculator

IndiaFirst Unit Linked Insurance Plans (ULIPs) have emerged as a popular financial instrument, offering a unique blend of investment and insurance. However, navigating the world of ULIPs, calculating the estimated potential returns, and aligning them with your financial goals can be difficult. This is where the IndiaFirst ULIP Calculator comes in handy, allowing you to easily calculate potential returns based on your investment amount, premium payment term, and expected rate of return.

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What is an IndiaFirst ULIP Calculator?

The IndiaFirst ULIP Calculator is a user-friendly online tool designed to help you estimate the potential returns on your ULIP investments. By inputting key details such as your desired premium amount, policy term, and expected rate of return, the calculator provides you with a projection of how your investment might grow over time. This allows you to gain valuable insights into the potential of your ULIP investment and make informed decisions.

Investment Return Calculator (Power of Compounding)

One Time
Monthly
Yearly

Amount I wish to Invest ₹

Invest For (in Years)

Years

1 30

Stay invested for (in Years)

Years

1 30

Expected rate of return (in %)

% /Year

1 35

YOU INVEST

YOU GET

Top Funds with High Returns (Past 7 Years)

15.6%

Midcap Fund

12.5%

Opportunities Fund

18.4%

High Growth Fund

11.99%

Opportunities Fund

19.05%

Multi Cap Fund

12.1%

Accelerator Mid-Cap Fund II

14.98%

Multiplier

13.14%

Frontline Equity Fund

14.66%

Virtue II

25.42%

Global Innovation Fund

9.09%

Blue-Chip Equity Fund

12.22%

Grow Money Plus Fund

10.54%

Equity Top 250 Fund

11.93%

Future Apex Fund

5.93%

Debt Fund

12.55%

Accelerator Fund

View Plans

Key Features of the IndiaFirst ULIP Calculator

Below are the features of the IndiaFirst ULIP calculator:

Customizable Inputs: The IndiaFirst ULIP calculator allows you to personalize your projections by entering specific details such as your age, premium amount, policy term, and sum assured. This ensures that the results are tailored to your individual circumstances and financial goals.
Real-Time Results: The calculator generates instant results, providing you with immediate insights into your investment potential. This allows you to quickly assess different scenarios and make timely decisions.
Risk Assessment: The IndiaFirst ULIP Calculator also incorporates a risk assessment feature, allowing you to adjust your risk profile and see how it impacts your potential returns. This helps you clearly understand the relationship between risk and reward, as knowing which SIP is best depends on individual risk tolerance, enabling you to make informed investment choices aligned with your risk appetite.
Comparison: The calculator enables you to compare different ULIP plans offered by IndiaFirst Life Insurance. By analyzing factors such as costs, returns, and policy duration, you can identify the plan that best aligns with your needs and objectives.

Fund Name

AUM

NAV

Returns (in %)

3 Year

5 Year

10 Year

Midcap Fund

SBI Life

AUM:67,697 Cr

67,697 Cr

NAV

48.82

0.39%

Returns

14.11%

Returns

13.39%

Returns

15.6%

Highest Returns

Get Details

Opportunities Fund

HDFC Life

AUM:35,621 Cr

35,621 Cr

NAV

76.05

0.62%

Returns

10.29%

Returns

9.99%

Returns

12.5%

Highest Returns

Get Details

High Growth Fund

Axis Max Life

AUM:16,228 Cr

16,228 Cr

NAV

118.76

1.11%

Returns

20.3%

Highest Returns

Returns

18.21%

Returns

18.4%

Get Details

Opportunities Fund

ICICI Prudential Life

AUM:3,711 Cr

3,711 Cr

NAV

57.84

0.46%

Returns

12.09%

Highest Returns

Returns

10.9%

Returns

11.99%

Get Details

Multi Cap Fund

Tata AIA Life

AUM:12,199 Cr

12,199 Cr

NAV

65.18

0.76%

Returns

12.22%

Returns

13.46%

Returns

19.05%

Highest Returns

Get Details

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Disclaimer :
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

How to Use the IndiaFirst ULIP Calculator?

Using the IndiaFirst ULIP Calculator is a simple process:

Step 1: Go to Policybazaar's IndiaFirst ULIP calculator page.

Step 2: Provide information about your investment tenure, the amount you want to invest, and the expected rate of return.

Step 3: The calculator will then calculate and display the projected returns based on your inputs.

Step 4: You can adjust the parameters to see how they affect the projected returns.

Step 5: Compare different ULIP plans available on the website to make an informed decision.

Step 6: Once you are satisfied with the results, you can proceed to buy the chosen ULIP plan through Policybazaar's platform.

Benefits of Using the IndiaFirst ULIP Calculator

Below are the benefits of using the IndiaFirst ULIP calculator:

Informed Decisions: The calculator empowers you to make informed investment decisions by providing a clear understanding of your investment potential before you commit.
Time-Efficient: The calculator saves you valuable time by quickly generating return projections without the need for manual calculations.
Better Planning: By providing insights into potential returns, the ulip calculator facilitates better financial planning and helps you align your investments with your long-term goals.

Fund Name	NAV	AUM	5 Yr Returns	10 Yr Returns
SBI Life Balanced Fund	₹70.4	₹19726 Cr	5.37%	8.45%
SBI Life Bond Fund	₹51.37	₹15328 Cr	5.16%	6.07%
SBI Life Equity Fund	₹184.62	₹81746 Cr	7.6%	10.53%
SBI Life Equity Optimiser Fund	₹52.11	₹2606 Cr	6.76%	10.02%
SBI Life Growth Fund	₹90.06	₹2837 Cr	5.96%	9.69%
SBI Life Money Market Fund	₹37.81	₹482 Cr	6.05%	5.89%
SBI Life Top 300 Fund	₹53.1	₹1972 Cr	5.82%	10.52%
SBI Life Pure Fund	₹26.95	₹1251 Cr	5.94%	9.48%
SBI Life Bond Optimiser Fund	₹22.41	₹3214 Cr	6.1%	-
SBI Life Bluechip Fund	₹9.37	₹3671 Cr	-	-
SBI Life Midcap Fund	₹48.82	₹67697 Cr	13.39%	15.6%
SBI Life Corporate Bond Fund	₹16.72	₹1009 Cr	5.14%	-
SBI Life Balanced Pension	₹70.79	₹867 Cr	5.81%	9.3%
SBI Life Equity Optimiser Pension	₹56.38	₹1105 Cr	7.1%	10.88%
SBI Life Equity Elite II	₹48.99	₹11844 Cr	6.03%	9.66%
SBI Life Index	₹43.18	₹87 Cr	5.39%	9.93%
SBI Life Index Pension	₹45.11	₹24 Cr	5.46%	9.98%
SBI Life Top 300 Pension	₹52.5	₹772 Cr	6.12%	10.8%
SBI Life Discontinued Policy Fund	₹25.98	₹10931 Cr	5.62%	5.81%
SBI Life Bond Pension	₹45.75	₹552 Cr	5.18%	6.36%
SBI Life Equity Elite	₹82.34	₹12 Cr	7.94%	12.39%
SBI Life Equity Pension	₹70.76	₹13758 Cr	6.79%	10.88%
SBI Life Growth Pension	₹71.35	₹692 Cr	6.73%	10.29%
SBI Life Money Market Pension	₹34.94	₹160 Cr	6%	5.87%
SBI Life P-E Managed	₹37.14	₹195 Cr	6.53%	8.65%
SBI Life Guaranteed Pension GPF070211	₹26.92	₹1 Cr	4.94%	5.72%
SBI Life Bond Pension II	₹23.76	₹28119 Cr	4.92%	5.67%
SBI Life Equity Pension II	₹38.68	₹11378 Cr	5.54%	10.17%
SBI Life Money Market Pension II	₹21.32	₹1488 Cr	5.76%	5.61%
SBI Life Discontinue Pension Fund	₹21.95	₹6203 Cr	5.65%	-
SBI Life Group Growth Plus Fund	₹56.02	₹3 Cr	6.08%	-
SBI Life Group Debt Plus Fund	₹40.71	₹115 Cr	5.67%	-
SBI Life Group Balance Plus Fund	₹47.85	₹11 Cr	5.8%	-
SBI Life Group Balance Plus Fund II	₹27.36	₹1273 Cr	6.67%	-
SBI Life Group Debt Plus Fund II	₹26.53	₹363 Cr	5.76%	-
SBI Life Group Growth Plus Fund II	₹26.34	₹291 Cr	6.42%	-
SBI Life Group Short Term Plus Fund II	₹21.91	₹24 Cr	5.86%	-
SBI Life Group Money Market Plus Fund	₹14.19	₹2 Cr	3.33%	-
SBI Life Group Balanced Pension Fund	₹10.13	₹194 Cr	-	-

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Why Invest in an IndiaFirst ULIP Plan?

Dual Benefits: ULIPs provide the dual advantage of life insurance coverage and investment growth, ensuring financial security for your family while simultaneously building wealth.
Tax Savings: Investments in ULIPs are eligible for tax deductions under Section 80C of the Income Tax Act, allowing you to reduce your tax burden.
Flexibility: ULIPs offer the flexibility to switch between funds based on market conditions and your changing financial goals.
Wealth Creation: ULIPs provide the potential for long-term wealth creation through investment in market-linked instruments.

Conclusion

The IndiaFirst ULIP Calculator is an invaluable tool for anyone considering investing in a ULIP plan. By providing personalized projections and facilitating plan comparisons, it empowers you to make informed decisions and optimize your investments. Using this tool can help you achieve your financial goals with confidence and secure your future.

FAQs

Can I use the calculator to compare different IndiaFirst ULIP plans?

Yes, the calculator often allows you to compare different ULIP plans offered by IndiaFirst Life Insurance, considering factors like costs, returns, and policy duration.
What factors should I consider when choosing a ULIP?

Consider factors like your financial goals, risk tolerance, investment horizon, premium affordability, charges associated with the policy, and the fund performance history.
How often should I review my ULIP investment?

It is recommended to review your ULIP investment periodically, at least annually, or when there are significant changes in your financial situation or market conditions.

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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI 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.

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