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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.
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
- 13.2 Crore Registered Consumer
- 53 Partners Insurance Partners
- 6.29 Crore Policies Sold
We are rated++
13.2 Crore
Registered Consumer
53
Insurance Partners
6.29 Crore
Policies Sold
Top performing plans˜ with High Returns**
Get High Returns up to 18%^
- Home
- Life Insurance
- Ulip Plans
- ULIP Calculator
Investment Return Calculator (Power of Compounding)
- One Time
- Monthly
- Yearly
₹
Top Funds with High Returns (Past 7 Years)
17.08%
Midcap Fund
14.19%
Opportunities Fund
20%
High Growth Pension Fund
25.41%
US Technology Advantage Fund
22%
Multi Cap Fund
13.93%
Accelerator Mid-Cap Fund II
15.7%
Multiplier
13.64%
Frontline Equity Fund
14.92%
Virtue II
10.05%
Growth Plus Fund
9.38%
Blue-Chip Equity Fund
14.37%
Growth Opportunities Plus Fund
10.9%
Equity Top 250 Fund
13.07%
Future Apex Fund
10.13%
Pension Dynamic Equity Fund
13.01%
Accelerator Fund
View Plans
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.
List of ULIP Funds ~
Fund Name
AUM
NAV
Returns (in %)
3 Year
5 Year
10 Year
Midcap Fund
SBI Life
AUM:61,301 Cr
61,301 Cr
NAV
51.4
0.23%
Returns
18.75%
Highest Returns
Opportunities Fund
HDFC Life
AUM:35,005 Cr
35,005 Cr
NAV
81.21
0.10%
Returns
15.48%
Highest Returns
High Growth Pension Fund
Axis Max Life
AUM:37 Cr
37 Cr
NAV
10.47
0.07%
Returns
22.85%
Highest Returns
US Technology Advantage Fund
ICICI Prudential Life
AUM:0 Cr
0 Cr
NAV
0.00%
Returns
-
Multi Cap Fund
Tata AIA Life
AUM:11,264 Cr
11,264 Cr
NAV
67.63
-0.08%
Returns
15.88%
see more plans
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
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:
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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.
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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, the ULIP plan calculator can assist in estimating the investment needed to reach those goals.
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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.
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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.
Latest ULIP NAVs
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| SBI Life Balanced Fund | ₹73.37 | ₹20111 Cr | 7.43% | 9.24% | |
| SBI Life Bond Fund | ₹51.69 | ₹16252 Cr | 5.7% | 6.57% | |
| SBI Life Equity Fund | ₹196.78 | ₹79317 Cr | 9% | 10.97% | |
| SBI Life Equity Optimiser Fund | ₹54.6 | ₹2556 Cr | 9.7% | 10.83% | |
| SBI Life Growth Fund | ₹94.77 | ₹2834 Cr | 8.41% | 10.55% | |
| SBI Life Money Market Fund | ₹37.35 | ₹478 Cr | 5.93% | 5.93% | |
| SBI Life Top 300 Fund | ₹56.28 | ₹1934 Cr | 8.8% | 11.41% | |
| SBI Life Pure Fund | ₹27.58 | ₹1212 Cr | 8.32% | 10.38% | |
| SBI Life Bond Optimiser Fund | ₹22.82 | ₹3264 Cr | 7.16% | - | |
| SBI Life Bluechip Fund | ₹9.93 | ₹3434 Cr | - | - | |
| SBI Life Balanced Pension | ₹73.68 | ₹836 Cr | 8.08% | 10.08% | |
| SBI Life Bond Pension | ₹45.94 | ₹557 Cr | 5.56% | 6.81% | |
| SBI Life Equity Pension | ₹75.17 | ₹12712 Cr | 10.13% | 11.94% | |
| SBI Life Growth Pension | ₹74.45 | ₹659 Cr | 9.07% | 11.06% | |
| SBI Life Money Market Pension | ₹34.53 | ₹153 Cr | 5.89% | 5.92% | |
| SBI Life Equity Optimiser Pension | ₹57.92 | ₹1020 Cr | 9.63% | 11.5% | |
| SBI Life Top 300 Pension | ₹55.28 | ₹737 Cr | 9.01% | 11.59% | |
| SBI Life Midcap Fund | ₹51.4 | ₹61301 Cr | 16.45% | 17.08% | |
| SBI Life Corporate Bond Fund | ₹16.73 | ₹1035 Cr | 5.47% | - | |
| SBI Life Equity Elite II | ₹51.57 | ₹11737 Cr | 8.74% | 10.51% | |
| SBI Life Index | ₹46.74 | ₹90 Cr | 9.05% | 10.87% | |
| SBI Life Index Pension | ₹48.81 | ₹25 Cr | 9.18% | 10.92% | |
| SBI Life Discontinued Policy Fund | ₹25.88 | ₹10629 Cr | 5.73% | 5.95% | |
| SBI Life Equity Elite | ₹87.24 | ₹12 Cr | 11.49% | 13.27% | |
| SBI Life P-E Managed | ₹39.02 | ₹200 Cr | 8.59% | 9.34% | |
| SBI Life Guaranteed Pension GPF070211 | ₹27.03 | ₹2 Cr | 5.24% | 6.27% | |
| SBI Life Bond Pension II | ₹23.92 | ₹28936 Cr | 5.43% | 6.16% | |
| SBI Life Equity Pension II | ₹41.46 | ₹11368 Cr | 8.98% | 11.29% | |
| SBI Life Money Market Pension II | ₹21.07 | ₹1509 Cr | 5.65% | 5.66% | |
| SBI Life Discontinue Pension Fund | ₹21.85 | ₹6455 Cr | 5.74% | - | |
| SBI Life Group Growth Plus Fund | ₹57.85 | ₹3 Cr | 7.9% | - | |
| SBI Life Group Debt Plus Fund | ₹41.17 | ₹114 Cr | 6.42% | - | |
| SBI Life Group Balance Plus Fund | ₹49.14 | ₹11 Cr | 7.17% | - | |
| SBI Life Group Balance Plus Fund II | ₹26.99 | ₹1208 Cr | 7.17% | - | |
| SBI Life Group Debt Plus Fund II | ₹26.76 | ₹337 Cr | 6.5% | - | |
| SBI Life Group Growth Plus Fund II | ₹27.21 | ₹295 Cr | 8.24% | - | |
| SBI Life Group Short Term Plus Fund II | ₹22.07 | ₹19 Cr | 6.21% | - | |
| SBI Life Group Money Market Plus Fund | ₹14.06 | ₹2 Cr | 3.26% | - | |
| SBI Life Group Balanced Pension Fund | ₹10.24 | ₹128 Cr | - | - |
See more plans
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.
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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.
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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
How to Calculate ULIP Investment Returns Online Policybazaar’s ULIP Calculator 2026?
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.
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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Many investors choose the wrong product between ULIP and a
˜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.