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PNB ULIP Calculator
The PNB ULIP Calculator is a smart online tool that helps users estimate the future value of their investments in PNB’s Unit Linked Insurance Plans (ULIPs). By entering a few key details—like your investment amount, duration, and expected rate of return—you can get a personalised projection of your potential returns. This user-friendly tool also enables comparisons between various ULIP options, so you can find one that matches your financial needs 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
- PNB ULIP Calculator
Investment Return Calculator (Power of Compounding)
- One Time
- Monthly
- Yearly
₹
Top Funds with High Returns (Past 7 Years)
11.02%
Equity Fund
13.81%
Opportunities Fund
17.84%
High Growth Fund
12.11%
Opportunities Fund
22%
Multi Cap Fund
13.49%
Accelerator Mid-Cap Fund II
15%
Multiplier
13.54%
Frontline Equity Fund
14.46%
Virtue II
10.26%
Growth Plus Fund
9.89%
Blue-Chip Equity Fund
14.32%
Growth Opportunities Plus Fund
10.82%
Equity Top 250 Fund
12.75%
Future Apex Fund
10.74%
Pension Dynamic Equity Fund
13.17%
Accelerator Fund
View Plans
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.
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Support Financial Planning: Whether you're saving for retirement, a child’s education, or other life goals, the calculator helps you plan accordingly.
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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 ~
Fund Name
AUM
NAV
Returns (in %)
3 Year
5 Year
10 Year
Equity Fund
SBI Life
AUM:81,025 Cr
81,025 Cr
NAV
180.98
-0.01%
Returns
9.78%
Opportunities Fund
HDFC Life
AUM:35,377 Cr
35,377 Cr
NAV
70.21
0.21%
Returns
16.39%
Highest Returns
High Growth Fund
Axis Max Life
AUM:12,572 Cr
12,572 Cr
NAV
105.82
0.61%
Returns
22.84%
Highest Returns
Opportunities Fund
ICICI Prudential Life
AUM:3,551 Cr
3,551 Cr
NAV
54.94
-0.03%
Returns
13.48%
Highest Returns
Multi Cap Fund
Tata AIA Life
AUM:9,938 Cr
9,938 Cr
NAV
58.76
-0.01%
Returns
16.45%
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 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.
Latest ULIP NAVs
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| SBI Life Balanced Fund | ₹69.19 | ₹21160 Cr | 7.07% | 9.36% | |
| SBI Life Bond Fund | ₹49.85 | ₹16781 Cr | 5.21% | 6.58% | |
| SBI Life Equity Fund | ₹180.98 | ₹81025 Cr | 8.75% | 11.02% | |
| SBI Life Equity Optimiser Fund | ₹50.6 | ₹2622 Cr | 9.45% | 10.91% | |
| SBI Life Growth Fund | ₹87.89 | ₹2913 Cr | 8.24% | 10.66% | |
| SBI Life Money Market Fund | ₹36.73 | ₹444 Cr | 5.77% | 5.99% | |
| SBI Life Top 300 Fund | ₹53.01 | ₹1981 Cr | 8.95% | 11.73% | |
| SBI Life Pure Fund | ₹24.62 | ₹1150 Cr | 8.06% | - | |
| SBI Life Bond Optimiser Fund | ₹21.8 | ₹3238 Cr | 6.79% | - | |
| SBI Life Balanced Pension | ₹69.48 | ₹805 Cr | 7.71% | 10.21% | |
| SBI Life Bond Pension | ₹44.41 | ₹530 Cr | 5.13% | 6.87% | |
| SBI Life Equity Pension | ₹68.39 | ₹11842 Cr | 9.81% | 11.89% | |
| SBI Life Growth Pension | ₹68.95 | ₹632 Cr | 8.89% | 11.2% | |
| SBI Life Money Market Pension | ₹33.95 | ₹142 Cr | 5.72% | 5.98% | |
| SBI Life Equity Optimiser Pension | ₹54.04 | ₹976 Cr | 9.37% | 11.71% | |
| SBI Life Top 300 Pension | ₹51.64 | ₹710 Cr | 9.04% | 11.83% | |
| SBI Life Midcap Fund | ₹44.7 | ₹55035 Cr | 16.41% | - | |
| SBI Life Corporate Bond Fund | ₹16.28 | ₹1025 Cr | 5.3% | - | |
| SBI Life Equity Elite II | ₹47.8 | ₹12182 Cr | 8.4% | 10.69% | |
| SBI Life Index | ₹43.85 | ₹102 Cr | 9.23% | 11.28% | |
| SBI Life Index Pension | ₹45.77 | ₹27 Cr | 9.35% | 11.32% | |
| SBI Life Discontinued Policy Fund | ₹25.31 | ₹10703 Cr | 5.57% | 5.97% | |
| SBI Life Equity Elite | ₹81.43 | ₹13 Cr | 11.32% | 13.55% | |
| SBI Life P-E Managed | ₹36.31 | ₹215 Cr | 8.13% | 9.49% | |
| SBI Life Guaranteed Pension GPF070211 | ₹26.26 | ₹2 Cr | 4.93% | 6.47% | |
| SBI Life Bond Pension II | ₹23.13 | ₹29088 Cr | 5.01% | 6.22% | |
| SBI Life Equity Pension II | ₹38.26 | ₹12141 Cr | 8.88% | 11.5% | |
| SBI Life Money Market Pension II | ₹20.74 | ₹1532 Cr | 5.49% | 5.72% | |
| SBI Life Discontinue Pension Fund | ₹21.38 | ₹6775 Cr | 5.58% | - | |
| SBI Life Group Growth Plus Fund | ₹54.21 | ₹3 Cr | 7.36% | - | |
| SBI Life Group Debt Plus Fund | ₹39.41 | ₹113 Cr | 5.93% | - | |
| SBI Life Group Balance Plus Fund | ₹46.55 | ₹11 Cr | 6.59% | - | |
| SBI Life Group Balance Plus Fund II | ₹25.63 | ₹869 Cr | 6.7% | - | |
| SBI Life Group Debt Plus Fund II | ₹25.5 | ₹281 Cr | 5.91% | - | |
| SBI Life Group Growth Plus Fund II | ₹25.51 | ₹237 Cr | 7.72% | - | |
| SBI Life Group Short Term Plus Fund II | ₹21.19 | ₹19 Cr | 5.63% | - | |
| SBI Life Group Money Market Plus Fund | ₹12.49 | ₹2 Cr | 1% | - |
See more plans
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, and the best SIP plan balances risk and long-term returns, helping you adapt your investments according to 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.
ULIP Plan Calculators
FAQs
-
What is the PNB ULIP Calculator?
It’s an online tool designed to help you estimate the future value of your ULIP investments by entering details like premium, term, and expected return. -
How do I use the PNB ULIP Calculator?
Just enter your investment amount, policy duration, premium payment term, and expected annual return. The calculator will display the total investment and potential maturity value. -
Is the PNB ULIP Calculator free?
Yes, the calculator is completely free to use and accessible online—no registration required. -
Can I customise the inputs in the calculator?
Yes, You can adjust any input field—premium, policy term, or return rate—to compare various investment strategies. -
Does it guarantee returns?
No, ULIP returns depend on market performance. The calculator only provides estimates based on the return rate you enter. -
Why should I use the PNB ULIP Calculator before investing?
It helps you plan your investments better, compare multiple options, and understand how changes in input values affect your financial outcomes.
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.