Aditya Birla Pension Plan Calculator

Aditya Birla and Sun Life Financial Inc. formed the joint venture company Birla Sun Life Insurance Company Limited (BSLI). In India, BSLI offers different plans with multiple features and benefits to its insurance customers. One of the popular plans is a pension plan that helps provide financial security during old age. The interested parties can even estimate the lump sum amount, which they will receive at the end of the period with the Aditya Birla Pension Plan calculator.

Read more
  • Peaceful Post-Retirement Life

  • Tax Free Regular Income

  • Wealth Generation to beat Inflation

  • 4.8~ Rated
  • 7.7 Crore Registered Consumer
  • 50 Partners Insurance Partners
  • 4.2 Crore Policies Sold
Invest ₹6,000/month & Get Tax-Free* Monthly Pension of ₹60,000#
Get the best returns & make the most of your golden years
+91
Secure
We don’t spam
Please wait. We Are Processing..
Your personal information is secure with us
Plans available only for people of Indian origin By clicking on "View Plans" you agree to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs
Get Updates on WhatsApp
We are rated~
rating
7.7 Crore
Registered Consumer
50
Insurance Partners
4.2 Crore
Policies Sold
Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.
Pension Calculator
Pension Calculator
How much do you need to save for retirement?
₹ 20,000
₹ 25,000
₹ 30,000
Calculate
Monthly Expenses in 2025
Edit Done
Inflation Rate
Today 2025 Your expenses today in 2023, at the age of 34 Yrs
Your expenses in 2043, at the age of 55 Yrs
For a monthly pension of ₹77,300
you need to invest
₹14,300/month
Calculated as per past performance of 15%
View Plan Recalculate?

One can even calculate the required investment amount to get a certain retirement amount at the term-end.     

Why Should You Use Aditya Birla Pension Plan Calculator?

Using the Aditya Birla Pension Plan calculator is an excellent way to estimate the coverage and how to approach it. Without the calculator, it can be challenging to assess the sum assured and the premium amounts correctly. 

However, one must have a fair idea of their regular expenses, assets and liabilities. Entering similar information in the online calculator can help determine premium and lump-sum amounts.

How To Use Aditya Birla Pension Plan Calculator?

Getting the investment and the final lump sum amount by using the Aditya Birla Pension Plan calculator is smooth as butter. 

Following are some steps that one must follow to know plan details:

  • The first step is to visit the official website of Aditya Birla Life Insurance.
  • After that, from the above tab, select "retirement planning calculator" from the "calculator" drop-down list.
  • This redirects the user to the calculator page.
  • Next, proceed to fill in the details like current age, retirement age, monthly income, monthly expense, etc., by pressing "next".
  • When done, finally, for the last time, press "Next", and the Aditya Birla Pension Plan calculator will calculate the final lump sum amount, monthly premium, and term years.

Advantages of Aditya Birla Pension Plan Calculator

With inflation and increasing expenses, it is crucial to retain financial independence even after retirement. An online pension calculator is used to get an estimate of the plan benefit, including terms and conditions. 

Some advantages of the calculator are mentioned below:

  • To determine initial investment: To receive a certain amount at the end of the retirement plan, one will need to know how much they need to invest today to achieve that sum. This online calculator makes it easy to get the estimation of the initial investment amount to receive a particular benefit at the end of the period.
  • To determine the lump sum: even if one starts saving for the future, many factors affect that amount. There is inflation, an increase in expenditure, rate of return, etc. Thus, one will not be able to estimate the right amount they need to have a secure retirement. The Aditya Birla Pension Plan calculator takes care of these factors and assesses the final saving amount, sufficient to have financial security post-retirement.  

People also read: best pension plan in india

Things To Remember

The Aditya Birla Pension Plan calculator helps ease the policy buying process with its clean interface. All that one needs to do is fill in the following details:

  • Date of birth
  • Current age
  • Plausible retirement age
  • Annual income
  • Savings (includes bank balance and investments)
  • Monthly expense
  • Post-retirement accommodation (rent/EMI)
  • Rate of return 
  • Growth in the annual income
  • Rate of growth on savings

Benefits of Aditya Birla Pension Plan 

According to their current income, the Aditya Birla pension plan considers the customers’ requirements to customise the policy. 

Some of the benefits one can get from Aditya Birla pension plan are:

  • Smart option: The premiums paid will be invested in two funds, the equity fund known as Maximiser Guaranteed and the debt fund called Income Advantage Guaranteed. The proportion of investment depends on the risk profile and vesting date.
  • Vesting benefits: The policyholder will receive the greater amount, the Fund Value or the Guaranteed Vesting Benefit. And this will be received on the predetermined vesting date.
  • Guaranteed additions: The policyholder gets additional benefits on various policy anniversaries. The additions are calculated on a percentage basis of the Fund Value in the last 12 months. The benefit accrued from the 6th -10th policy anniversary is 0.25% and from 11th anniversary onward is 0.35%.
  • Surrender benefit: The option to surrender the pension policy is available. It should be done during the first five years into the policy.
  • Income tax benefit: Under Section 80CCC of the Income Tax Act, the premium paid is exempted from tax. And the commuted amount is exempted under the Section10 (10A) of the Income Tax Act. The death benefit is also exempted under Section 10(10D), Income Tax Act.
  • Death benefit: The Death Benefit paid will be the greater one among the Fund Value and the Guaranteed Vesting Benefit. And the Guaranteed Vesting Benefit will be either the compounded amount of all the premiums paid to the date or the 105% of all the premiums paid, whichever is greater.      

Looking for more insights? Try our SIP Calculator.

Aditya Birla Pension Plan Premium Rates

The premium amount is determined based on the policyholder's current age, retirement age, and the years between the retirement age and the current age. The higher the gap and income amount, the higher will be the benefit amount. All these can be estimated using the Aditya Birla Pension Plan calculator. 

The basic general eligibility criteria and premium payment terms are as follows:

Feature

Maximum 

Minimum 

Eligibility age

70 years

28 years

Vesting age

80 years

-

Policy tenure

30 years

5 years

 

Feature

Maximum 

Minimum 

Premium payable

Modes- quarterly, half-yearly, monthly, and annually

No maximum limit

Quarterly- Rs. 30,000 

Half-yearly- Rs. 24,000 

Monthly- Rs. 36,000 

Yearly- Rs. 18,000

People also read: NPS Calculator

FAQ's

  • Q1. How to check the Aditya Birla pension plan status?

    A1: The policyholder of this pension plan can easily check the status of their policy. They simply need to log into the online portal using their password and client ID.
  • Q2. What is the policy number/client ID?

    A2: The client ID required for login is the 9-digit policy number. This is unique for every customer and is issued when they purchase the policy. It can be found on the right side of the receipt of the first premium.

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. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^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.
¶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

Secure Your Retirement Today
Start Investing ₹6,000/month
Get Pension ₹60,000/month+
Including Life Cover
View Plan
Pension Plans
+Standard T&A Applied
Pension Plan 1
Insurers Offering Pension Plans

Tata AIA

Max Life

Bajaj Allianz

SBI Life

HDFC Life

ICICI Prudential

Bharti AXA Life

Edelweiss Life

Kotak Life

Future Generali

PNB MetLife

Aviva

Ageas Federal

Bandhan Life

Canara HSBC

IndiaFirst

Pramerica Life

Reliance Life

Sahara Life

Shriram Life

Star Union

View more insurers
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Pension Plan 2
Average Rating
(Based on 350 Reviews)
Pension Plan 3
Lic Pension Plan 4

Pension plans articles

Recent Articles
Popular Articles
HDFC SL Group Traditional Plan

06 Feb 2025

The HDFC SL Group Traditional Plan is a group insurance plan
Read more
HDFC Life Group Traditional Secure Plan

03 Feb 2025

HDFC Life Group Traditional Secure Plan is a single premium
Read more
HDFC Life Group Credit Protect Plus Insurance Plan

03 Feb 2025

The HDFC Life Group Credit Protect Plus Insurance Plan is a
Read more
HDFC Life New Group Unit Linked Plan

03 Feb 2025

The HDFC Life New Group Unit Linked Plan is a flexible insurance
Read more
PNB MetLife Pension Mid Cap Fund

31 Jan 2025

The PNB MetLife Pension Mid Cap Fund is a growth-oriented New
Read more
Elabharthi
  • 16 Feb 2023
  • 18770
Elabharthi is an online portal established by the Bihar government to allow the public to access services related
Read more
50K Pension Per Month
  • 15 Jun 2022
  • 32172
How to Get 50k Pension Investment Options Get 50k Pension Through NPS Benefits of Choosing a Pension Plan
Read more
Which is Better: UPS vs NPS vs OPS
  • 19 Sep 2024
  • 2303
In India, the government provides several retirement plans, including the Unified Pension Scheme (UPS), the
Read more
Top 15 Pension Plans in India
  • 14 Feb 2023
  • 40292
List of Top 15 Pension Plans Overview Basis of Selection Wrapping Up View all content List of Top 15
Read more
Buy the Annuity Plans of 2025
  • 10 Dec 2015
  • 162890
10 mins read Annuity plans in India are the financial products that provide you with a guaranteed, regular
Read more

Aditya Birla Sun Life Pension Plans Reviews & Ratings

4.6 / 5 (Based on 350 Reviews)
(Showing Newest 10 reviews)
Sunidhi
Kochi, January 20, 2025
Bajaj Allianz pension plan
I got an amazing deal on a Bajaj Allianz pension plan with lifetime income through Policybazaar.
Haritika
Bhopal, January 19, 2025
Easy to find plans
Policybazaar makes it easy to find pension plans with guaranteed income like HDFC.
Jhanvi
Chandigarh, January 18, 2025
ICICI annuity plan
Thanks to Policybazaar I got a great ICICI annuity plan with regular payments.
Shrishti
Surat, January 17, 2025
Understand features of plan
Policybazaar helped me understand the different features of pension plans including Bajaj Allianz.
Prashant
Bahadrabad, January 16, 2025
Great Policy
I have pnb metlife life insurance pension policy plan which has low premiums and payed quarterly per year. Policy coverage is 89% and claims are high and the payback amount is around Rs.41 K per month. Service is very good and fast. The policy is nice investment for future and it is good tax saver too. Nice plan, I like it.
Manish
Mangalore, January 16, 2025
Fair Policy
I got a very good policy plan from pnb metlife life insurance. The policy is great for future investment nice pension policy plan. The coverage is good ~87%, service is great, even the claims are the best. Good behaviour from executives and staff members. Great policy, very happy with it.
Lalit
Mahabaleswar, January 16, 2025
Fine
My friend suggested me to invest money for future so i buy pnb metlife life insurance and have pension policy plan. The policy coverage is high ~89% and the claim is around Rs.39 K per month after policy get mature. Great services with fast interface.
Rahul
Manipal, January 16, 2025
Very Nice
My pension policy plan is with pnb metlife life insurance. The policy has good coverage approx. 97% with low premium. Claims are also high and the returns is Rs.39 K per month after policy end. Service is fantastic and the executives do best work. Good investment for future and taxes are also reduced.
Jitender
Ratlam, January 16, 2025
Normal Policy
I invest my money for my future security with pnb metlife life insurance. I have pension policy plan. Policy coverage is 91% and claims are around 39 K. Service is good and executives behave well. Nice policy plan.
Bhavya
Sonipat, January 16, 2025
Perfect Plan
I buy pension policy for my parents. My parents are happy with the policy due to low premiums. The returns are high ~Rs.45 K per month for each. The policy coverage is high ~92% and service is rapid and on time. The online facilities are simple and easily accessible. Good job guys.
top
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL