Aviva SIP Plan

Systematic Investment Plans (SIPs) offered by Aviva Life Insurance provide a disciplined and convenient way to invest regularly in a diversified portfolio, helping investors build wealth over time while managing risks. Aviva’s SIPs are typically structured as Unit Linked Insurance Plans (ULIPs), which combine investment and life insurance benefits, offering both growth potential and financial security.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry-free investing

Best SIP Funds

Tax Saving Funds Large Cap Low Return Funds Mid Cap Mid Return Funds Multi Cap Debt Funds Shariah Funds Balanced Funds

Payment Mode

Invest

₹ 10,000

Invest for

Large Cap Equity Fund

AUM (Cr)

₹2,773

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.97 17.41 16.34 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹36,263

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 16.35 15.9 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,330

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.7 17 15.61 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.86 14.86 15.45 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,789

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.98 15.94 15.14 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.47 15.78 14.87 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,680

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.28 14.61 14.79 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹121

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.23 15.8 14.6 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,701

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.47 14.31 14.43 %

View Fund

Instant tax receipt

Pure Stock Fund

AUM (Cr)

₹7,575

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.12 14.26 14.1 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,773

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.97 17.41 16.34 %

View Fund

Virtue II

AUM (Cr)

₹3,330

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.7 17 15.61 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.86 14.86 15.45 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,789

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.98 15.94 15.14 %

View Fund

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.47 15.78 14.87 %

View Fund

Future Apex Fund

AUM (Cr)

₹121

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.23 15.8 14.6 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,701

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.47 14.31 14.43 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,575

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.12 14.26 14.1 %

View Fund

Super 20

AUM (Cr)

₹2,208

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.22 13.24 13.82 %

View Fund

Growth Super Fund

AUM (Cr)

₹12,943

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.82 13.38 13.8 %

View Fund

Opportunities Fund

AUM (Cr)

₹36,263

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 16.35 15.9 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,680

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.28 14.61 14.79 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,815

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29 23.3 21.27 %

View Fund

High Growth Fund

AUM (Cr)

₹12,246

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29.43 23.7 18.4 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,053

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.42 15.81 15.75 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,777

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.64 14.71 14.32 %

View Fund

Flexi Cap

AUM (Cr)

₹1,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.6 14.75 13.77 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,622

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.28 14.55 13.61 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹541

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.94 12.91 12.24 %

View Fund

Asset Allocation

AUM (Cr)

₹258

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.53 10.56 11.31 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹810

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.89 7.28 7.64 %

View Fund

Debt Fund

AUM (Cr)

₹512

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.67 7.4 7.43 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹179

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.48 6.87 7.25 %

View Fund

Steady Money Fund

AUM (Cr)

₹76

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.61 6.86 7.08 %

View Fund

Bond Fund

AUM (Cr)

₹120

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.04 6.89 7.07 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹181

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.79 6.44 7.06 %

View Fund

Debt Fund

AUM (Cr)

₹93

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.46 6.86 6.99 %

View Fund

Secure Fund

AUM (Cr)

₹1,022

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.99 6.71 6.93 %

View Fund

Bond Fund

AUM (Cr)

₹17,457

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.51 6.72 6.92 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹935

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.56 16.84 16.06 %

View Fund

Balanced Fund

AUM (Cr)

₹363

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.42 11.29 11.11 %

View Fund

Balanced Fund

AUM (Cr)

₹5,378

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.33 10.58 10.85 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹64

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.95 9.9 10.55 %

View Fund

Creator

AUM (Cr)

₹478

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.95 10.18 10.54 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹276

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.46 10.19 10.4 %

View Fund

Balanced Fund

AUM (Cr)

₹22,084

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.6 10.06 10.35 %

View Fund

Balancer II

AUM (Cr)

₹833

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.83 10.59 10.31 %

View Fund

Growth Fund

AUM (Cr)

₹7,213

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.23 10.12 10.15 %

View Fund

Stable Fund

AUM (Cr)

₹18

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.69 9.66 10.1 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,309

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.94 14.56 13.98 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,449

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.39 14.66 13.73 %

View Fund

Pure Equity

AUM (Cr)

₹3,075

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.52 13.99 13.26 %

View Fund

What is an Aviva SIP Plan?

An Aviva SIP Plan is essentially a Unit Linked Insurance Plan where policyholders invest premiums systematically over time into various market-linked funds, often considered among the best SIP investment choices for long-term planning. These SIP plans offer the dual advantage of wealth creation through market-linked returns and life insurance coverage to protect the policyholder’s family in case of unforeseen events. Aviva Life Insurance’s SIPs allow investors to choose from multiple fund options based on their risk appetite and financial goals, with the flexibility to switch funds or redirect premiums as needed.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Fund SBI Life Rating	11.44%	12.7%	12.66% View Plan
Opportunities Fund HDFC Life Rating	19.5%	16.35%	15.9% View Plan
High Growth Fund Axis Max Life Rating	29.43%	23.7%	18.4% View Plan
US Growth Fund ICICI Prudential Life Rating	15.25%	-	18.03% View Plan
Multi Cap Fund Tata AIA Life Rating	29%	23.3%	21.27% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	15.28%	14.61%	14.79% View Plan
Multiplier Birla Sun Life Rating	19.5%	16.73%	15.9% View Plan
Pension Mid Cap Fund PNB MetLife Rating	31.41%	24.68%	18.41% View Plan
Growth Plus Fund Canara HSBC Life Rating	11.1%	11.65%	11.78% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	14.54%	-	14.6% View Plan

Fund rating powered by

Last updated: Jan 2026

Compare more funds

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth	₹822.00 Crs	35.31%	N/A	N/A	₹500	35.07%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	29.34%	30.26%	N/A	₹1,000	31.59%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	25.97%	33.24%	17.66%	₹500	22.31%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	28.79%	37.23%	17.14%	₹5,000	15.97%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	16.08%	17.34%	13.87%	₹100	12.99%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	14.85%	17.48%	14.46%	₹5,000	16.26%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	22.42%	27.51%	18.07%	₹100	15.26%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	13.89%	23.99%	18.17%	₹5,000	19.25%
SBI Gold ETF	₹8,810.86 Crs	31.81%	17.85%	15.14%	₹5,000	12.57%

Updated as of Jan 2026

Compare more funds

Buying the Dip Results in Higher Returns

Key Features of Aviva SIP Plans

Systematic Investment

Regular premium payments enable disciplined investing.
Life Insurance Cover

Provides financial protection to the nominee in case of the policyholder’s death.
Multiple Fund Options

Choice of diverse funds to suit different risk profiles.
Flexibility

Options for partial withdrawals, systematic partial withdrawals, and premium redirection.
No Allocation Charges

Maximizes the amount invested in funds.
Charge Refunds

Up to 100% refund of mortality and policy administration charges at maturity, depending on the plan variant.
Tax Benefits

Eligible for tax deductions under prevailing laws, subject to change.
Dual Benefit on Death

Sum assured plus fund value or a guaranteed minimum payout.
Maturity Benefit

Fund value payable on survival till maturity.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Total Wealth ₹1.03 Cr

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

13.47%

Equity Pension

16.3%

Global Blue Chip Anchor Strategy

18.4%

High Growth Fund

18.03%

US Growth Fund

21.27%

Multi Cap Fund

14.79%

Accelerator Mid-Cap Fund II

15.9%

Multiplier

15.14%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.78%

Growth Plus Fund

14.6%

US Equity Fund

15.75%

Growth Opportunities Plus Fund

12.24%

Equity Top 250 Fund

14.6%

Future Apex Fund

12.61%

Pension Dynamic Equity Fund

14.87%

Accelerator Fund

Conclusion

Aviva’s SIP plans, primarily structured as ULIPs, offer a balanced approach to investing with the added advantage of life insurance coverage. With multiple fund options, flexible premium payments, and attractive benefits like charge refunds and milestone boosters, these plans cater to investors seeking long-term wealth creation alongside financial security for their families.

FAQs

What types of funds can I invest in through Aviva SIP Plans?

Aviva Life Insurance offers a range of fund options including equity, debt, balanced, and money market funds. You can choose based on your risk tolerance and financial goals and switch between funds during the policy term.
Is there a lock-in period for Aviva SIP Plans?

Yes, ULIPs typically have a lock-in period of 5 years during which you cannot surrender the policy. Partial withdrawals are allowed after the lock-in period, subject to plan terms.
What happens if I die during the policy term?

In case of death, the nominee receives the death benefit, which is usually the highest of the sum assured, fund value, or a guaranteed minimum payout depending on the plan variant. Some child plans also waive future premiums to keep the policy active.
Can I switch between funds during the policy term?

Yes, Aviva SIP Plans allow you to switch between different fund options to align with your changing risk appetite or market conditions, usually without any additional charges.

Aviva SIP Plan

Best SIP Funds

What is an Aviva SIP Plan?

Key Features of Aviva SIP Plans

Systematic Investment

Life Insurance Cover

Multiple Fund Options

Flexibility

No Allocation Charges

Charge Refunds

Tax Benefits

Dual Benefit on Death

Maturity Benefit

SIP Calculator

Conclusion

FAQs

What types of funds can I invest in through Aviva SIP Plans?

Is there a lock-in period for Aviva SIP Plans?

What happens if I die during the policy term?

Can I switch between funds during the policy term?

SIP plans articles

Explore the popular searches and stay informed