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Aviva ULIP Calculator
The Aviva ULIP Calculator is an intuitive online tool designed to assist investors in estimating potential returns on their Unit Linked Insurance Plan (ULIP) investments. By inputting key parameters such as the investment amount, tenure, and expected rate of return, users can gain insights into how their investments may grow over time. This calculator also enables comparison of various ULIP plans offered by Aviva, helping users select the plan that aligns best with their financial goals and risk appetite.
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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15.8 Crore
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7.16 Crore
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In-Built life cover
Invest ₹10K/month & Get
₹1 Crore* Tax-Free
Plans starting from ₹1,000/month
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ULIP Calculator
- Aviva ULIP Calculator
Why Use the Aviva ULIP Calculator?
Investment Return Calculator (Power of Compounding)
- One Time
- Monthly
- Yearly
₹
Top Funds with High Returns (Past 7 Years)
15.87%
Midcap Fund
12.77%
Opportunities Fund
19.8%
High Growth Fund
11.99%
Opportunities Fund
19.26%
Multi Cap Fund
12.45%
Accelerator Mid-Cap Fund II
14.98%
Multiplier
13.14%
Frontline Equity Fund
14.66%
Virtue II
9.5%
Growth Plus Fund
9.09%
Blue-Chip Equity Fund
13.39%
Growth Opportunities Plus Fund
10.69%
Equity Top 250 Fund
12.1%
Future Apex Fund
5.95%
Debt Fund
12.55%
Accelerator Fund
View Plans
Here are the key benefits of using the Aviva ULIP Calculator:
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Estimate Potential Returns:
The calculator provides projections based on investment amount, duration, and expected return rate, allowing users to understand the growth potential of their investments.
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Compare ULIP Plans:
Users can compare different ULIP plans side-by-side to identify the one that suits their financial objectives and risk tolerance.
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Goal-Based Planning:
Whether planning for retirement, children's education, or other milestones, the calculator helps estimate the investment required to achieve these goals.
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Flexibility to Customize:
Users can adjust inputs such as premium amounts and payment frequency to tailor calculations according to their preferences.
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Informed Decision-Making:
By offering transparent estimations and comparisons, the tool empowers investors to make well-informed choices.
List of ULIP Funds ~
Fund Name
AUM
NAV
Returns (in %)
3 Year
5 Year
10 Year
Midcap Fund
SBI Life
AUM:67,697 Cr
67,697 Cr
NAV
49.16
0.48%
Returns
14.39%
Opportunities Fund
HDFC Life
AUM:35,621 Cr
35,621 Cr
NAV
76.71
0.84%
Returns
10.62%
High Growth Fund
Axis Max Life
AUM:16,228 Cr
16,228 Cr
NAV
120.2
0.92%
Returns
17.14%
Opportunities Fund
ICICI Prudential Life
AUM:3,711 Cr
3,711 Cr
NAV
58.55
0.29%
Returns
12.09%
Highest Returns
Multi Cap Fund
Tata AIA Life
AUM:12,199 Cr
12,199 Cr
NAV
65.76
0.48%
Returns
12.56%
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
How to Use Policybazaar’s Aviva ULIP Calculator?
Follow these steps to use the Aviva ULIP Calculator effectively:
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Access the Tool:
Head to the Aviva ULIP Calculator available on this page.
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Select Investment Frequency:
Choose between one-time, monthly, or yearly contributions.
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Enter Details:
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Investment amount
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Premium payment duration
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Policy term
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Expected annual rate of return
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Review Results:
The calculator will display your total investment and estimated maturity amount.
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Experiment with Scenarios:
Modify inputs to explore different investment strategies and their impact on returns.
Illustration
Let’s consider an example:
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Policyholder: Ms. Priya Sharma
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Premium Amount: ₹20,000 per month
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Premium Payment Term: 10 years
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Policy Term: 20 years
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Expected Rate of Return: 8% per annum
The calculator will show:
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Total Premium Invested (after 10 years): ₹24,00,000
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Estimated Maturity Amount: ₹78,00,000
By increasing her monthly premium to ₹25,000, Ms. Sharma could potentially raise her maturity amount to ₹97,80,000.
Latest ULIP NAVs
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| SBI Life Balanced Fund | ₹70.84 | ₹19726 Cr | 5.39% | 8.56% | |
| SBI Life Bond Fund | ₹51.41 | ₹15328 Cr | 5.18% | 6.11% | |
| SBI Life Equity Fund | ₹186.55 | ₹81746 Cr | 7.6% | 10.53% | |
| SBI Life Equity Optimiser Fund | ₹52.61 | ₹2606 Cr | 6.8% | 10.18% | |
| SBI Life Growth Fund | ₹90.77 | ₹2837 Cr | 5.98% | 9.82% | |
| SBI Life Money Market Fund | ₹37.8 | ₹482 Cr | 6.05% | 5.89% | |
| SBI Life Top 300 Fund | ₹53.55 | ₹1972 Cr | 5.84% | 10.68% | |
| SBI Life Pure Fund | ₹27.4 | ₹1251 Cr | 6.25% | 9.75% | |
| SBI Life Bond Optimiser Fund | ₹22.47 | ₹3214 Cr | 6.09% | - | |
| SBI Life Bluechip Fund | ₹9.46 | ₹3671 Cr | - | - | |
| SBI Life Midcap Fund | ₹49.16 | ₹67697 Cr | 13.61% | 15.87% | |
| SBI Life Corporate Bond Fund | ₹16.72 | ₹1009 Cr | 5.14% | - | |
| SBI Life Balanced Pension | ₹71.17 | ₹867 Cr | 5.93% | 9.36% | |
| SBI Life Equity Optimiser Pension | ₹56.72 | ₹1105 Cr | 7.23% | 10.96% | |
| SBI Life Equity Elite II | ₹49.41 | ₹11844 Cr | 6.22% | 9.76% | |
| SBI Life Index | ₹43.61 | ₹87 Cr | 5.6% | 10.04% | |
| SBI Life Index Pension | ₹45.57 | ₹24 Cr | 5.67% | 10.1% | |
| SBI Life Top 300 Pension | ₹52.86 | ₹772 Cr | 6.27% | 10.88% | |
| SBI Life Discontinued Policy Fund | ₹25.99 | ₹10931 Cr | 5.62% | 5.81% | |
| SBI Life Bond Pension | ₹45.79 | ₹552 Cr | 5.2% | 6.37% | |
| SBI Life Equity Elite | ₹82.96 | ₹12 Cr | 8.11% | 12.48% | |
| SBI Life Equity Pension | ₹71.42 | ₹13758 Cr | 6.99% | 10.99% | |
| SBI Life Growth Pension | ₹71.78 | ₹692 Cr | 6.87% | 10.36% | |
| SBI Life Money Market Pension | ₹34.94 | ₹160 Cr | 6% | 5.87% | |
| SBI Life P-E Managed | ₹37.44 | ₹195 Cr | 6.71% | 8.74% | |
| SBI Life Guaranteed Pension GPF070211 | ₹26.96 | ₹1 Cr | 4.98% | 5.74% | |
| SBI Life Bond Pension II | ₹23.79 | ₹28119 Cr | 4.95% | 5.69% | |
| SBI Life Equity Pension II | ₹38.97 | ₹11378 Cr | 5.7% | 10.26% | |
| SBI Life Money Market Pension II | ₹21.31 | ₹1488 Cr | 5.76% | 5.61% | |
| SBI Life Discontinue Pension Fund | ₹21.96 | ₹6203 Cr | 5.66% | - | |
| SBI Life Group Growth Plus Fund | ₹56.23 | ₹3 Cr | 6.16% | - | |
| SBI Life Group Debt Plus Fund | ₹40.78 | ₹115 Cr | 5.71% | - | |
| SBI Life Group Balance Plus Fund | ₹47.99 | ₹11 Cr | 5.87% | - | |
| SBI Life Group Balance Plus Fund II | ₹27.37 | ₹1273 Cr | 6.68% | - | |
| SBI Life Group Debt Plus Fund II | ₹26.56 | ₹363 Cr | 5.79% | - | |
| SBI Life Group Growth Plus Fund II | ₹26.43 | ₹291 Cr | 6.5% | - | |
| SBI Life Group Short Term Plus Fund II | ₹21.94 | ₹24 Cr | 5.89% | - | |
| SBI Life Group Money Market Plus Fund | ₹14.19 | ₹2 Cr | 3.33% | - | |
| SBI Life Group Balanced Pension Fund | ₹10.15 | ₹194 Cr | - | - |
See more plans
Benefits of Using the Aviva ULIP Calculator
The Aviva ULIP Calculator offers numerous advantages:
-
Accurate Projections: Provides precise estimates based on user inputs.
-
Goal-Based Planning: Aligns investments with specific financial objectives.
-
Investment Comparison: Enables evaluation of multiple plans for optimal growth.
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Risk Analysis: Assesses market impact on returns for informed decisions.
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User-Friendly Interface: Easy-to-use tool delivering instant results.
Why Invest in Aviva ULIPs?
Aviva ULIPs combine insurance protection with wealth creation through market-linked investments, and financial goals influence which SIP is best for each investor. They offer flexible fund options tailored to individual risk profiles and financial goals. Additionally, ULIPs provide tax benefits on premiums and maturity proceeds (subject to tax laws), making them a comprehensive solution for long-term financial planning.
Conclusion
The Aviva ULIP Calculator is an invaluable resource for investors seeking clarity and confidence in their financial planning. With its customizable inputs and transparent results, it simplifies the process of estimating returns and comparing scenarios. Whether you're a first-time investor or revisiting your strategy, this tool ensures you stay aligned with your financial objectives while making informed decisions.
FAQs
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Is the Aviva ULIP Calculator free to use?
Yes, the Aviva ULIP Calculator is completely free and accessible online for anyone interested in planning their ULIP investments. -
Can I compare different Aviva ULIP plans using the calculator?
Yes, the calculator allows you to compare multiple Aviva ULIP plans to find the one that best suits your financial goals and risk appetite. -
Can I customize the inputs in the Aviva ULIP Calculator?
Yes, you can adjust parameters such as premium amount, investment tenure, payment frequency, and expected rate of return to see how different scenarios affect your returns. -
Does the calculator guarantee the returns shown?
No, the returns displayed are only estimates based on the inputs and assumed rates of return. Actual returns may vary depending on market performance and other factors. -
Can the Aviva ULIP Calculator help me plan for specific financial goals?
Yes, the calculator is designed to assist with goal-based planning, whether it’s for retirement, children’s education, or other long-term financial objectives.
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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˜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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