PNB ULIP Calculator

Why Use PNB ULIP Calculator?

Here’s why the ULIP Calculator by Punjab National bank can be an essential part of your investment planning:

• Project Future Returns: Estimate how much your ULIP investment could grow over time based on variables like premium, tenure, and anticipated returns.

• Compare ULIP Plans: Evaluate different ULIPs offered by PNB to identify the one that aligns with your financial goals and comfort with market risks.

• Check Affordability: Adjust premium amounts and payment frequency to find a plan that fits within your current budget.

• Understand Tenure Impact: See how changing the investment duration can affect your final returns and choose the term that suits your long-term vision.

• Support Financial Planning: Whether you're saving for retirement, a child’s education, or other life goals, the calculator helps you plan accordingly.

• Make Informed Choices: By giving clear estimates and comparisons, the calculator enables confident, data-driven investment decisions.

• Customisable Input: Modify multiple parameters to explore different investment scenarios.

List of ULIP Funds ^~

Returns 3 Years 5 Years 10 Years

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

Accelerator Fund

AEGON Life

AUM:242 Cr

242 Cr

NAV

49.03

0.44%

Returns

18.22%

Returns

20.6%

Highest Returns

Returns

13.03%

Get Details

Growth Opportunities Plus Fund

Bharti AXA

AUM:1,025 Cr

1,025 Cr

NAV

73.32

0.61%

Returns

16.51%

Returns

20.53%

Highest Returns

Returns

14.09%

Get Details

Multiplier

Birla Sun Life

AUM:4,709 Cr

4,709 Cr

NAV

93.24

0.87%

Returns

19.56%

Returns

24.11%

Highest Returns

Returns

14.82%

Get Details

Equity Top 250 Fund

Edelwiess Tokio

AUM:557 Cr

557 Cr

NAV

56.97

0.43%

Returns

14.82%

Returns

17.28%

Highest Returns

Returns

11%

Get Details

Future Apex Fund

Future Generali India

AUM:105 Cr

105 Cr

NAV

55.82

0.54%

Returns

17.08%

Returns

21.13%

Highest Returns

Returns

13.01%

Get Details

Opportunities Fund

ICICI Prudential

AUM:3,493 Cr

3,493 Cr

NAV

58.75

0.48%

Returns

17.41%

Returns

20.29%

Highest Returns

Returns

12.05%

Get Details

Frontline Equity Fund

Kotak Mahindra OM

AUM:4,489 Cr

4,489 Cr

NAV

68.35

0.49%

Returns

18.24%

Returns

21.15%

Highest Returns

Returns

13.71%

Get Details

Balanced Fund

LIC

AUM:2,549 Cr

2,549 Cr

NAV

18.27

0.00%

Returns

10.42%

Returns

10.54%

Highest Returns

Returns

-

Get Details

Virtue II

PNB Metlife

AUM:3,375 Cr

3,375 Cr

NAV

69.26

0.44%

Returns

17.64%

Returns

21.8%

Highest Returns

Returns

14.68%

Get Details

Pension Dynamic Equity Fund

Pramerica Life Insurance Limited

AUM:6 Cr

6 Cr

NAV

72.29

0.39%

Returns

13.4%

Returns

16.47%

Highest Returns

Returns

10.72%

Get Details

Equity Fund

SBI

AUM:81,114 Cr

81,114 Cr

NAV

201.39

1.49%

Returns

14.71%

Returns

17.1%

Highest Returns

Returns

11.34%

Get Details

Blue-Chip Equity Fund

Star Union Dai-ichi

AUM:1,370 Cr

1,370 Cr

NAV

34.54

0.22%

Returns

11.9%

Returns

14.47%

Highest Returns

Returns

9.89%

Get Details

see more plans

Disclaimer :
˜Top 5 plans based on annualized premium, for bookings made 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

How to Use PNB ULIP Calculator?

To use the PNB ULIP Calculator available on Policybazaar or the official PNB MetLife site, follow these simple steps:

Step 1: Open the calculator on this page or the relevant platform.
Step 2: Choose your payment frequency—monthly, yearly, or one-time.
Step 3: Fill in the following details:

• Investment amount (premium)

• Premium payment term

• Total policy duration

• Expected annual rate of return

Step 4: View the results showing total investment and estimated maturity amount.

Step 5: Experiment with different inputs to compare outcomes and fine-tune your investment strategy.

Illustration

Scenario:

• Policyholder: Ms. Neha Sharma

• Monthly Premium: ₹12,000

• Premium Payment Term: 10 years

• Policy Term: 20 years

• Expected Rate of Return: 8% annually

Calculator Output:

• Total Premium Paid over 10 years: ₹14,40,000

• Estimated Maturity Value after 20 years: ₹47,00,000

Adjustment Example:

• If Neha increases her monthly premium to ₹18,000, the projected maturity value rises to ₹70,40,000—demonstrating the advantage of higher contributions over time.

Benefits of Using PNB ULIP Calculator

Here are some key advantages of using the PNB ULIP Calculator:

• Realistic Estimates: Get accurate projections of returns based on your input variables.

• Goal-Oriented Planning: Tailor your investment for specific goals like wealth creation, retirement, or children’s future.

• Plan Comparison: Conveniently compare multiple ULIPs side-by-side.

• Risk Evaluation: Understand how your returns may vary with market performance.

• Investment Monitoring: Make periodic adjustments to align with evolving goals.

• Easy to Use: Simple interface that delivers results instantly.

Why Invest in PNB ULIP Plans?

PNB MetLife ULIP plans offer a balanced mix of life insurance and wealth creation through market-linked funds. These plans come with flexible fund-switching options, allowing you to adapt based on market trends and your risk tolerance. Plus, you enjoy tax benefits on premiums paid and returns received (as per current tax laws). With a wide range of plans, PNB caters to various life-stage and wealth-building goals—ideal for anyone looking to secure their future financially.

Conclusion

The PNB ULIP Calculator is a powerful tool that simplifies financial planning. It helps you forecast returns, compare plans, and tailor your investments to meet long-term goals. Whether you’re just starting or reviewing your financial strategy, this tool empowers you to make confident, well-informed choices about your ULIP investments.