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In Unit Linked Insurance Policies, the investment risk is borne by the policyholder. These insurance products do not offer any liquidity in the first 5 years, as they have a mandatory lock-in period of 5 years. During this period, the policyholder cannot fully or partially withdraw the invested amount or surrender the policy.
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.
ULIP Plans
- Take the first step to ₹1 Crore
- Plans delivering up to 18% CAGR
- 100% online, Zero paperwork
- Expert help at no extra cost
- 4.8++ Rated
- 15.8 Crore Registered Consumer
- 53 Partners Insurance Partners
- 7.16 Crore Policies Sold
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Policies Sold
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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 Plan and make informed decisions.
Investment Return Calculator (Power of Compounding)
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- Monthly
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₹
Top Funds with High Returns (Past 7 Years)
15.08%
Midcap Fund
11.99%
Opportunities Fund
18.4%
High Growth Fund
11.99%
Opportunities Fund
18.93%
Multi Cap Fund
10.93%
Bluechip Equity Fund
13.46%
Multiplier
12.48%
Frontline Equity Fund
13.57%
Virtue II
8.6%
Equity II Fund
8.73%
Blue-Chip Equity Fund
12.99%
Growth Opportunities Plus Fund
10.26%
Equity Top 250 Fund
11.87%
Future Apex Fund
5.8%
Debt Fund
11.91%
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.
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.
Latest ULIP NAVs
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns |
|---|---|---|---|---|
| SBI Life Balanced Fund | ₹70.97 | ₹18807 Cr | 5.47% | 8.48% |
| SBI Life Bond Fund | ₹51.04 | ₹14964 Cr | 5.06% | 5.95% |
| SBI Life Equity Fund | ₹188.34 | ₹77251 Cr | 6.03% | 10.1% |
| SBI Life Equity Optimiser Fund | ₹52.7 | ₹2477 Cr | 6.73% | 10.11% |
| SBI Life Growth Fund | ₹90.45 | ₹2699 Cr | 5.95% | 9.67% |
| SBI Life Money Market Fund | ₹37.97 | ₹483 Cr | 6.09% | 5.87% |
| SBI Life Top 300 Fund | ₹53.87 | ₹1874 Cr | 6% | 10.6% |
| SBI Life Pure Fund | ₹26.75 | ₹1191 Cr | 5.67% | 9.25% |
| SBI Life Bond Optimiser Fund | ₹22.35 | ₹3142 Cr | 6.03% | - |
| SBI Life Midcap Fund | ₹47.77 | ₹64395 Cr | 12.62% | 15.08% |
| SBI Life Corporate Bond Fund | ₹16.65 | ₹1010 Cr | 5.06% | - |
| SBI Life Balanced Pension | ₹71.81 | ₹854 Cr | 5.99% | 9.38% |
| SBI Life Equity Optimiser Pension | ₹57.25 | ₹1081 Cr | 7.2% | 11.01% |
| SBI Life Equity Elite II | ₹49.85 | ₹11198 Cr | 6.27% | 9.81% |
| SBI Life Index | ₹44.51 | ₹81 Cr | 5.98% | 10.23% |
| SBI Life Index Pension | ₹46.49 | ₹22 Cr | 6.05% | 10.29% |
| SBI Life Top 300 Pension | ₹53.43 | ₹745 Cr | 6.36% | 10.93% |
| SBI Life Discontinued Policy Fund | ₹25.97 | ₹10947 Cr | 5.61% | 5.73% |
| SBI Life Bond Pension | ₹45.53 | ₹558 Cr | 5.11% | 6.25% |
| SBI Life Equity Elite | ₹83.2 | ₹11 Cr | 7.8% | 12.38% |
| SBI Life Equity Pension | ₹71.8 | ₹13267 Cr | 6.82% | 10.95% |
| SBI Life Growth Pension | ₹71.67 | ₹678 Cr | 6.66% | 10.29% |
| SBI Life Money Market Pension | ₹35.08 | ₹172 Cr | 6.04% | 5.84% |
| SBI Life P-E Managed | ₹37.74 | ₹185 Cr | 6.62% | 8.75% |
| SBI Life Guaranteed Pension GPF070211 | ₹26.78 | ₹1 Cr | 4.87% | 5.64% |
| SBI Life Bond Pension II | ₹23.6 | ₹27769 Cr | 4.8% | 5.55% |
| SBI Life Equity Pension II | ₹39.47 | ₹10436 Cr | 5.71% | 10.34% |
| SBI Life Money Market Pension II | ₹21.4 | ₹1466 Cr | 5.79% | 5.59% |
| SBI Life Discontinue Pension Fund | ₹21.94 | ₹6012 Cr | 5.64% | - |
| SBI Life Group Growth Plus Fund | ₹56.36 | ₹3 Cr | 6.1% | - |
| SBI Life Group Debt Plus Fund | ₹39.27 | ₹114 Cr | 4.9% | - |
| SBI Life Group Balance Plus Fund | ₹47.82 | ₹10 Cr | 5.73% | - |
| SBI Life Group Balance Plus Fund II | ₹27.23 | ₹1290 Cr | 6.5% | - |
| SBI Life Group Debt Plus Fund II | ₹26.41 | ₹480 Cr | 5.65% | - |
| SBI Life Group Growth Plus Fund II | ₹26.47 | ₹282 Cr | 6.4% | - |
| SBI Life Group Short Term Plus Fund II | ₹21.8 | ₹22 Cr | 5.77% | - |
| SBI Life Group Money Market Plus Fund | ₹14.24 | ₹2 Cr | 3.37% | - |
| SBI Life Group Balanced Pension Fund | ₹10.11 | ₹191 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 Insurance Brokers Private Limited 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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