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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
- Plan starting from ₹1,000/month
- Save upto ₹46,800 in Tax under section 80C^
- Zero LTCG Tax¶
- In built life cover
- 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
- 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)
11.55%
Top 300 Fund
13.64%
Opportunities Fund
17.59%
High Growth Fund
11.84%
Opportunities Fund
22%
Multi Cap Fund
13.22%
Accelerator Mid-Cap Fund II
14.74%
Multiplier
13.3%
Frontline Equity Fund
14.23%
Virtue II
9.73%
Equity II Fund
9.68%
Blue-Chip Equity Fund
14.1%
Growth Opportunities Plus Fund
10.69%
Equity Top 250 Fund
12.39%
Future Apex Fund
10.56%
Pension Dynamic Equity Fund
12.93%
Accelerator Fund
View Plans
Here are the key benefits of using the Aviva ULIP Calculator:
-
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.
-
Compare ULIP Plans:
Users can compare different ULIP plans side-by-side to identify the one that suits their financial objectives and risk tolerance.
-
Goal-Based Planning:
Whether planning for retirement, children's education, or other milestones, the calculator helps estimate the investment required to achieve these goals.
-
Flexibility to Customize:
Users can adjust inputs such as premium amounts and payment frequency to tailor calculations according to their preferences.
-
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
Top 300 Fund
SBI Life
AUM:1,981 Cr
1,981 Cr
NAV
52.33
0.00%
Returns
8.95%
Opportunities Fund
HDFC Life
AUM:35,377 Cr
35,377 Cr
NAV
69.11
0.01%
Returns
15.82%
Highest Returns
High Growth Fund
Axis Max Life
AUM:12,572 Cr
12,572 Cr
NAV
104.21
0.00%
Returns
22.26%
Highest Returns
Opportunities Fund
ICICI Prudential Life
AUM:3,551 Cr
3,551 Cr
NAV
53.84
0.00%
Returns
12.74%
Highest Returns
Multi Cap Fund
Tata AIA Life
AUM:9,938 Cr
9,938 Cr
NAV
57.52
1.35%
Returns
15.66%
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:
-
Access the Tool:
Head to the Aviva ULIP Calculator available on this page.
-
Select Investment Frequency:
Choose between one-time, monthly, or yearly contributions.
-
Enter Details:
-
Investment amount
-
Premium payment duration
-
Policy term
-
Expected annual rate of return
-
-
Review Results:
The calculator will display your total investment and estimated maturity amount.
-
Experiment with Scenarios:
Modify inputs to explore different investment strategies and their impact on returns.
Illustration
Let’s consider an example:
-
Policyholder: Ms. Priya Sharma
-
Premium Amount: ₹20,000 per month
-
Premium Payment Term: 10 years
-
Policy Term: 20 years
-
Expected Rate of Return: 8% per annum
The calculator will show:
-
Total Premium Invested (after 10 years): ₹24,00,000
-
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 | ₹68.74 | ₹21160 Cr | 7.07% | 9.27% | |
| SBI Life Bond Fund | ₹50.02 | ₹16781 Cr | 5.29% | 6.62% | |
| SBI Life Equity Fund | ₹177.96 | ₹81025 Cr | 8.69% | 10.8% | |
| SBI Life Equity Optimiser Fund | ₹50 | ₹2622 Cr | 9.32% | 10.75% | |
| SBI Life Growth Fund | ₹87 | ₹2913 Cr | 8.2% | 10.52% | |
| SBI Life Money Market Fund | ₹36.72 | ₹444 Cr | 5.77% | 5.99% | |
| SBI Life Top 300 Fund | ₹52.33 | ₹1981 Cr | 8.88% | 11.55% | |
| SBI Life Pure Fund | ₹24.46 | ₹1150 Cr | 8.13% | - | |
| SBI Life Bond Optimiser Fund | ₹21.8 | ₹3238 Cr | 6.86% | - | |
| SBI Life Balanced Pension | ₹69.18 | ₹805 Cr | 7.68% | 10.15% | |
| SBI Life Bond Pension | ₹44.56 | ₹530 Cr | 5.21% | 6.91% | |
| SBI Life Equity Pension | ₹67.44 | ₹11842 Cr | 9.78% | 11.7% | |
| SBI Life Growth Pension | ₹68.3 | ₹632 Cr | 8.88% | 11.07% | |
| SBI Life Money Market Pension | ₹33.94 | ₹142 Cr | 5.72% | 5.98% | |
| SBI Life Equity Optimiser Pension | ₹53.43 | ₹976 Cr | 9.24% | 11.56% | |
| SBI Life Top 300 Pension | ₹51 | ₹710 Cr | 8.99% | 11.66% | |
| SBI Life Midcap Fund | ₹43.96 | ₹55035 Cr | 16.28% | - | |
| SBI Life Corporate Bond Fund | ₹16.32 | ₹1025 Cr | 5.35% | - | |
| SBI Life Equity Elite II | ₹47.16 | ₹12182 Cr | 8.33% | 10.52% | |
| SBI Life Index | ₹43.11 | ₹102 Cr | 9.14% | 11.06% | |
| SBI Life Index Pension | ₹45 | ₹27 Cr | 9.25% | 11.09% | |
| SBI Life Discontinued Policy Fund | ₹25.34 | ₹10703 Cr | 5.6% | 5.99% | |
| SBI Life Equity Elite | ₹80.4 | ₹13 Cr | 11.28% | 13.38% | |
| SBI Life P-E Managed | ₹35.98 | ₹215 Cr | 8.06% | 9.36% | |
| SBI Life Guaranteed Pension GPF070211 | ₹26.32 | ₹2 Cr | 4.99% | 6.5% | |
| SBI Life Bond Pension II | ₹23.21 | ₹29088 Cr | 5.08% | 6.26% | |
| SBI Life Equity Pension II | ₹37.62 | ₹12141 Cr | 8.76% | 11.28% | |
| SBI Life Money Market Pension II | ₹20.73 | ₹1532 Cr | 5.49% | 5.72% | |
| SBI Life Discontinue Pension Fund | ₹21.4 | ₹6775 Cr | 5.61% | - | |
| SBI Life Group Growth Plus Fund | ₹53.9 | ₹3 Cr | 7.3% | - | |
| SBI Life Group Debt Plus Fund | ₹39.5 | ₹113 Cr | 6.01% | - | |
| SBI Life Group Balance Plus Fund | ₹46.5 | ₹11 Cr | 6.63% | - | |
| SBI Life Group Balance Plus Fund II | ₹25.61 | ₹869 Cr | 6.74% | - | |
| SBI Life Group Debt Plus Fund II | ₹25.56 | ₹281 Cr | 5.99% | - | |
| SBI Life Group Growth Plus Fund II | ₹25.39 | ₹237 Cr | 7.7% | - | |
| SBI Life Group Short Term Plus Fund II | ₹21.25 | ₹19 Cr | 5.69% | - | |
| SBI Life Group Money Market Plus Fund | ₹12.49 | ₹2 Cr | 1% | - |
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.
-
Risk Analysis: Assesses market impact on returns for informed decisions.
-
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
-
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.