ULIP Calculator

A ULIP Calculator is a financial tool designed to help you compare ULIP plans and estimate the maturity amount depending on the expected investment value and future returns, helping you to reach your life objectives in the future.

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

Insurance Partners

5.3 Crore

Policies Sold

Top performing plans^˜ with High Returns^**

Invest ₹10K/month & Get ₹1 Crore^# Tax-Free^*

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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)

18.6%

High Growth Fund

18.2%

Top 200 Fund

14.21%

Accelerator Mid-Cap Fund II

14.24%

Opportunities Fund

10%

Equity II Fund

13.03%

Accelerator Fund

14.09%

Growth Opportunities Plus Fund

14.82%

Multiplier

11%

Equity Top 250 Fund

13.01%

Future Apex Fund

12.05%

Opportunities Fund

13.71%

Frontline Equity Fund

14.68%

Virtue II

10.72%

Pension Dynamic Equity Fund

11.34%

Equity Fund

9.89%

Blue-Chip Equity Fund

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What is ULIP Calculator?

A ULIP plan calculator is an online tool that helps investors calculate their premium payments and expected returns based on their investment horizon, risk, and financial goals. The ULIP calculator free takes into account various factors, such as the amount you wish to invest, investment horizon, how long you want to stay invested for, and expected rate of return, to provide an estimate of the maturity value of the plan.

These Unit Linked Insurance Plan calculators are handy tools for investors to evaluate and compare different ULIP plans. They allow individuals to assess how their investment will grow over time, taking into account market fluctuations and the underlying performance of the chosen investment funds.

Fund Name

AUM

NAV

Returns (in %)

3 Year

5 Year

10 Year

High Growth Fund

Max Life

AUM:10,632 Cr

10,632 Cr

NAV

114.77

0.97%

Returns

28.09%

Returns

32.5%

Highest Returns

Returns

18.6%

Get Details

Top 200 Fund

Tata AIA

AUM:2,469 Cr

2,469 Cr

NAV

180.38

0.69%

Returns

24.22%

Returns

30.5%

Highest Returns

Returns

18.2%

Get Details

Accelerator Mid-Cap Fund II

Bajaj Allianz

AUM:5,888 Cr

5,888 Cr

NAV

81.6

0.49%

Returns

19.36%

Returns

22.06%

Highest Returns

Returns

14.21%

Get Details

Opportunities Fund

HDFC Standard

AUM:38,561 Cr

38,561 Cr

NAV

76.86

0.51%

Returns

19.92%

Returns

23.81%

Highest Returns

Returns

14.24%

Get Details

Equity II Fund

Canara HSBC Oriental Bank

AUM:3,631 Cr

3,631 Cr

NAV

41.34

0.28%

Returns

13.51%

Returns

16.83%

Highest Returns

Returns

10%

Get Details

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Disclaimer :
˜Top 5 plans based on annualized premium, for bookings made through https://www.policybazaar.com 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

Why Use ULIP Calculator?

Using a ULIP calculator, which is essentially an SIP calculator. It is also considered an SIP because in SIPs, investors regularly invest a fixed amount of money at predetermined intervals into ULIP plans.

There are several reasons to use the calculator, Here are some reasons why you should consider using a ULIP plan calculator:

Financial Planning: A ULIP calculator helps in effective financial planning by allowing you to evaluate different investment scenarios. You can input various investment amounts, tenures, and expected rates of return to assess the potential maturity amount and make informed decisions based on your financial goals.
Goal Setting: By using a Unit Linked Insurance Plan calculator, you can set realistic financial goals and understand the required investment amount to achieve them. Whether it's planning for your child's education, purchasing a house, or retirement planning, the ULIP plan calculator can assist in estimating the investment needed to reach those goals.
Investment Comparison: A ULIP calculator free lets you compare the potential returns of different ULIP plans offered by various insurance providers. By inputting the same investment parameters, you can evaluate and choose the plan that offers the best potential growth and aligns with your risk appetite.
Risk Assessment: ULIP calculators help in assessing the risk associated with various investment options. By adjusting the expected rate of return, you can evaluate the impact of market fluctuations on your investment. This allows you to make an informed decision based on your risk tolerance and investment objectives.
Flexibility Analysis: ULIP plan calculators allow you to explore the flexibility ULIP plans offer. You can assess the impact of switching between different funds and evaluate the potential returns based on historical performance data. This helps in understanding the potential benefits of fund switching and optimizing your investment strategy.
Investment Monitoring: Once you have invested in a ULIP, the Unit Linked Insurance Plan calculator can be a monitoring tool. You can periodically input the actual returns earned to track the progress of your investment and make adjustments if necessary.

By utilizing a ULIP calculator, such as the SIP calculator designed specifically for ULIPs, you can gain a better understanding of the potential returns, growth, and risk associated with your ULIP investments.

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What are the Features of ULIP Calculator?

Let’s take a look at some of the salient features of the ULIP calculator:

Transparency: Transparency is the key feature of ULIP calculator. The ULIP calculator offers transparent and comprehensive details of funds, so that the investors can calculate the exact value of returns they can get on their investment.
Flexibility: The ULIP plan calculators are flexible in nature as the investor can change the variable according to the amount they want to invest in and according to the tenure of the policy.
Control: ULIP calculator free provides full control to the policyholder. The investors can easily calculate the premium and check the return on investment with the help of the ULIP calculator.
Goal-Based Planning: ULIP calculator helps the investors to make goal-based planning by analyzing which fund option will be best for investment and on basis of what aspects one can gain the maximum returns on.

What are the Benefits of ULIP Calculator?

Online ULIP calculator free offers numerous benefits to its investors; let’s take a look at some of the benefits of using a ULIP calculator.

Accurate Financial Projection: The Unit Linked Insurance Plan calculator provides accurate projections of the potential returns on investment based on different premium amounts and investment durations. It helps individuals set realistic financial goals and plan their investments accordingly.
Informed Investment Choices: By inputting various parameters like age, risk appetite, and financial goals, the ULIP plan calculator suggests suitable investment strategies. This ensures that investors make well-informed choices aligned with their specific requirements.
Customize Plans: ULIP calculators allow users to customize their investment plans based on their preferences. They can adjust the sum assured, premium frequency, and investment allocation to create a plan that best suits their needs.
Risk Analysis: Understanding the risk involved in a financial product is crucial. A ULIP calculator helps in assessing the risk component of the investment, empowering investors to strike a balance between potential returns and risk tolerance.
Transparency: With a ULIP calculator, investors can get a clear picture of the charges and fees associated with the ULIP policy. This transparency ensures that there are no hidden costs, and investors can make informed choices.
Comparison Tool: The Unit Linked Insurance Plan calculator can be used to compare different ULIP plans offered by various insurance companies. It assists in finding the most suitable plan with the desired features and benefits.
Time-Saving: Calculating potential returns and analyzing investment options manually can be time-consuming. The ULIP plan calculator simplifies the process, providing quick results with just a few clicks.
Goal-based Planning: ULIP calculator free help investors align their investments with specific financial goals, such as education, retirement plan, or buying a house. This goal-based approach enhances financial discipline and makes it easier to achieve objectives.
Ease of Use: ULIP calculators are designed to be user-friendly, making them accessible to both experienced and novice investors. They require minimal financial knowledge to operate effectively.

ULIP Plan Calculators

SBI ULIP Plan Calculator

ICICI ULIP Plan Calculator

HDFC ULIP Calculator

Axis ULIP Calculator

LIC ULIP Plan Calculator

Bajaj Allianz ULIP Plan Calculator

How to Calculate ULIP Investment Returns Online Policybazaar’s ULIP Calculator 2024?

To use Policybazaar's ULIP plan calculator:

Step 1: Go to Policybazaar's website and navigate to the ULIP calculator page.

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

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

Step 4: You can adjust the parameters to see how it affects 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.

**Remember that ULIPs are subject to market risks, and it is essential to read the policy details carefully before making any investment decisions.

FAQs

How does ULIP Calculators work?

ULIP calculators estimate potential returns, considering premium, fund choice, and tenure. They simulate scenarios to aid financial planning.
How does the ULIP plan work?

When you invest in a ULIP plan, a portion of your premium goes towards providing life insurance coverage, while the remaining amount is invested in various funds of your choice. The policyholder has the flexibility to switch between these funds based on their risk appetite and market conditions.
What is ULIP NAV?

ULIP NAV (Net Asset Value) represents the value of underlying assets in a fund. It reflects performance and impacts investment value.
How to calculate ULIP NAV?

ULIP NAV is calculated by dividing the net assets by the number of units outstanding. It's updated regularly based on market changes.
How to pay ULIP premiums?

ULIP premiums can be paid monthly, quarterly, semi-annually, or annually through online portals, banks, or authorized agents.
Is ULIP a good investment?

Yes, ULIP is a good investment product. However the suitability of ULIPs as an investment option depends on your financial goals, risk tolerance, and investment preferences. ULIPs offer the dual benefit of life insurance coverage and investment potential. They provide flexibility to switch between funds and the potential for higher returns over the long term.

˜Top 5 plans based on annualized premium, for bookings made through https://www.policybazaar.com 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.