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Pramerica ULIP Calculator
The Pramerica ULIP Calculator is an online tool that helps you assess the potential gains on your ULIP (Unit Linked Insurance Plan) investments. By taking into account important factors such as your investment amount, investment horizon, and estimated rate of return, the calculator gives you a projection of your investments’s growth at the time of its maturity. The calculator, with its maturity value projection, is proven to be capable of helping you with appropriate investment planning according to your long-term financial plans and attaining them all.
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
We are rated++
15.8 Crore
Registered Consumer
53
Insurance Partners
7.16 Crore
Policies Sold
In-Built life cover
Invest ₹10K/month & Get
₹1 Crore* Tax-Free
Plans starting from ₹1,000/month
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Home
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Life Insurance
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Ulip Plans
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ULIP Calculator
- Pramerica ULIP Calculator
Investment Return Calculator (Power of Compounding)
- One Time
- Monthly
- Yearly
₹
Top Funds with High Returns (Past 7 Years)
16.29%
Midcap Fund
13.24%
Opportunities Fund
19.8%
High Growth Fund
11.99%
Opportunities Fund
19.62%
Multi Cap Fund
13.05%
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
13.61%
Growth Opportunities Plus Fund
10.7%
Equity Top 250 Fund
12.27%
Future Apex Fund
6.02%
Debt Fund
12.55%
Accelerator Fund
View Plans
Why Use the Pramerica ULIP Calculator?
The ULIP Calculator is used by a large audience due to the following reasons:
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Calculating Potential Returns:
The Pramerica ULIP calculator helps you estimate the potential returns on your investments. These estimations are the results of your specific inputs of investment tenor, amount, and expected rate of return.
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Invincible Financial Planning:
By giving you a clear picture of how your ULIP investment grows in the future, the Pramerica ULIP Calculator helps you in creating invincible and achievable financial plans, leading to a successful financial career ahead.
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No Cost Tool:
The Pramerica ULIP calculator is free, ensuring your stress-free financial planning and attaining your financial goals just when you estimated them to be.
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User-Oriented Tool:
The Pramerica ULIP Calculator is an easy-to-use tool that enhances its reach to a wider audience.
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Budget-Friendly Planning:
In the Pramerica ULIP calculator, you can adjust your premium amount and frequency to find a plan that fits comfortably within your current financial capacity.
How to Use the Pramerica ULIP Calculator
The Pramerics ULIP calculator is a user-friendly tool that can help you estimate ULIP investment returns by following these easy steps:
Step 1:
Open the ULIP calculator on this page or the relevant platform.
Step 2:
Choose how often you’d like to pay your premium—monthly, quarterly, yearly, or one-time.
Step 3:
Enter the following information:
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Premium amount
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Duration of premium payments
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Overall policy term
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Expected annual return rate
Step 4:
Review the estimated total investment and projected maturity value.
Step 5:
Adjust the values to explore different possibilities and choose the combination that suits your long-term financial plan.
Sample Illustration
Example Scenario
Policyholder: Mr. Saket Dhingra
Monthly Premium: ₹10,000
Premium Payment Term: 10 years
Policy Term: 20 years
Expected Annual Return: 10%
Calculator Output:
Total Premium Paid: ₹12,00,000
Estimated Maturity Amount: ₹52.3 lakhs
Scenario Adjustment:
If Saket increases his monthly premium to ₹15,000, his projected maturity amount increases significantly to ₹78.4 lakhs, showing the impact of higher investments over the same policy term.
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
51.54
-0.01%
Returns
16.5%
Highest Returns
Opportunities Fund
HDFC Life
AUM:35,621 Cr
35,621 Cr
NAV
80.4
0.24%
Returns
12.61%
High Growth Fund
Axis Max Life
AUM:16,228 Cr
16,228 Cr
NAV
126.54
0.06%
Returns
19.57%
Opportunities Fund
ICICI Prudential Life
AUM:3,711 Cr
3,711 Cr
NAV
60.64
-0.12%
Returns
12.09%
Highest Returns
Multi Cap Fund
Tata AIA Life
AUM:12,199 Cr
12,199 Cr
NAV
68.88
-0.12%
Returns
14.71%
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
Advantages of the Pramerica ULIP Calculator
The Pramerica ULIP calculator is advantageous to its users in multiple ways. The advantages it offers are:
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No Hidden Information:
The Pramerica ULIP calculator is transparent in providing every detail about fund performance and charges. This transparency gives you a clear picture of the growth of your investments.
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Quick Results:
In the Pramerica ULIP calculator, you get instant projections of your investment outcome.
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Risk Awareness:
The calculator helps you analyze how varying market returns may affect your outcomes.
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Premium Calculation:
With the help of the Pramerica ULIP calculator, you’ll know your investment's potential maturity value, and you will be able to analyze how much contribution today will take you to attain your financial goals.
Latest ULIP NAVs
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| SBI Life Balanced Fund | ₹72.21 | ₹19726 Cr | 5.85% | 8.7% | |
| SBI Life Bond Fund | ₹51.58 | ₹15328 Cr | 5.22% | 6.21% | |
| SBI Life Equity Fund | ₹192.63 | ₹81746 Cr | 7.6% | 10.53% | |
| SBI Life Equity Optimiser Fund | ₹54.04 | ₹2606 Cr | 7.49% | 10.3% | |
| SBI Life Growth Fund | ₹92.99 | ₹2837 Cr | 6.59% | 9.96% | |
| SBI Life Money Market Fund | ₹37.75 | ₹482 Cr | 6.04% | 5.89% | |
| SBI Life Top 300 Fund | ₹55.02 | ₹1972 Cr | 6.56% | 10.81% | |
| SBI Life Pure Fund | ₹28.15 | ₹1251 Cr | 7.07% | 9.95% | |
| SBI Life Bond Optimiser Fund | ₹22.68 | ₹3214 Cr | 6.28% | - | |
| SBI Life Bluechip Fund | ₹9.75 | ₹3671 Cr | - | - | |
| SBI Life Midcap Fund | ₹51.54 | ₹67697 Cr | 14.92% | 16.29% | |
| SBI Life Corporate Bond Fund | ₹16.76 | ₹1009 Cr | 5.16% | - | |
| SBI Life Balanced Pension | ₹72.66 | ₹867 Cr | 6.32% | 9.56% | |
| SBI Life Equity Optimiser Pension | ₹58.4 | ₹1105 Cr | 7.82% | 11.18% | |
| SBI Life Equity Elite II | ₹50.7 | ₹11844 Cr | 6.68% | 9.93% | |
| SBI Life Index | ₹45.13 | ₹87 Cr | 6.33% | 10.2% | |
| SBI Life Index Pension | ₹47.14 | ₹24 Cr | 6.4% | 10.26% | |
| SBI Life Top 300 Pension | ₹54.42 | ₹772 Cr | 6.86% | 11.09% | |
| SBI Life Discontinued Policy Fund | ₹26.01 | ₹10931 Cr | 5.61% | 5.85% | |
| SBI Life Bond Pension | ₹45.84 | ₹552 Cr | 5.16% | 6.46% | |
| SBI Life Equity Elite | ₹85.25 | ₹12 Cr | 8.64% | 12.66% | |
| SBI Life Equity Pension | ₹74.05 | ₹13758 Cr | 7.72% | 11.26% | |
| SBI Life Growth Pension | ₹73.58 | ₹692 Cr | 7.35% | 10.56% | |
| SBI Life Money Market Pension | ₹34.89 | ₹160 Cr | 5.99% | 5.87% | |
| SBI Life P-E Managed | ₹38.42 | ₹195 Cr | 7.23% | 8.87% | |
| SBI Life Guaranteed Pension GPF070211 | ₹27.01 | ₹1 Cr | 5% | 5.86% | |
| SBI Life Bond Pension II | ₹23.88 | ₹28119 Cr | 4.97% | 5.81% | |
| SBI Life Equity Pension II | ₹40.35 | ₹11378 Cr | 6.41% | 10.49% | |
| SBI Life Money Market Pension II | ₹21.29 | ₹1488 Cr | 5.75% | 5.62% | |
| SBI Life Discontinue Pension Fund | ₹21.97 | ₹6203 Cr | 5.63% | - | |
| SBI Life Group Growth Plus Fund | ₹57.16 | ₹3 Cr | 6.45% | - | |
| SBI Life Group Debt Plus Fund | ₹41.02 | ₹115 Cr | 5.79% | - | |
| SBI Life Group Balance Plus Fund | ₹48.59 | ₹11 Cr | 6.08% | - | |
| SBI Life Group Balance Plus Fund II | ₹27.55 | ₹1273 Cr | 6.78% | - | |
| SBI Life Group Debt Plus Fund II | ₹26.7 | ₹363 Cr | 5.87% | - | |
| SBI Life Group Growth Plus Fund II | ₹26.94 | ₹291 Cr | 6.85% | - | |
| SBI Life Group Short Term Plus Fund II | ₹22.03 | ₹24 Cr | 5.98% | - | |
| SBI Life Group Money Market Plus Fund | ₹14.17 | ₹2 Cr | 3.32% | - | |
| SBI Life Group Balanced Pension Fund | ₹10.26 | ₹194 Cr | - | - |
See more plans
Why Consider Pramerica ULIP Plans?
The Pramerica ULIP plans offer the benefits of both life insurance coverage and wealth creation opportunities through investments. These plans provide you with the ultimate benefits such as fund-switching flexibility, tax benefits (as per current laws), portfolio diversification, fund management by experienced insurance companies, etc. Whether you are beginning to invest or focusing on retirement planning, Pramerica ULIP plans are versatile for investment and proven to be helpful in long-term wealth creation.
Conclusion
The Pramerica ULIP calculator is crucial for goal-based investment planning and achieving those goals at the right time. By considering your various inputs, it calculates and gives you the amount you’ll get at the maturity of your ULIP plan's investments, much like how choosing the best SIP depends on long-term financial goals. It is a technology-advanced tool that reduces the manual calculation of your investment amount and returns on your end so that you can mainly focus on expanding your wealth. The Pramerica ULIP calculator is your first step towards achieving your financial goals.
FAQs
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Is the ULIP calculator easy to use?
Indeed! A ULIP calculator is a user-friendly tool that can be used by investors of various age groups. -
What is a ULIP Calculator?
A ULIP calculator is an online tool that projects the returns on your ULIP investments. -
Can we use the ULIP Calculator more than once?
Yes, you can use a ULIP calculator as many times as you want. -
Is the Pramerica ULIP Calculator result guaranteed?
No, the ULIP calculator provides an estimated maturity value based on assumed returns. Since ULIPs are market-linked products, actual Pramerica ULIP plan returns may vary depending on market conditions and fund performance.
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.