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

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Max Life Rating	27.23%	19.49%	17.86% View Plan
Top 200 Fund Tata AIA Rating	31.71%	20.36%	17.65% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	24.9%	11.6%	13.7% View Plan
Opportunities Fund HDFC Standard Rating	26.28%	13.21%	14.29% View Plan
Equity II Fund Canara HSBC Oriental Bank Rating	21.15%	10.32%	9.16% View Plan
Grow Money Plus Fund Bharti AXA Rating	21.55%	13.76%	13.69% View Plan
Multiplier Birla Sun Life Rating	27.52%	12.37%	14.94% View Plan
Opportunities Fund ICICI Prudential Rating	24.05%	12.78%	11.87% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	23.2%	17.21%	15.2% View Plan

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Last updated: Apr 2025

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Fund Name	3 Years	5 Years	10 Years
	Returns
Active Fund QUANT	23.92%	31.48%	21.87%
Flexi Cap Fund PARAG PARIKH	20.69%	26.41%	19.28%
Large and Mid-Cap Fund EDELWEISS	22.34%	24.29%	17.94%
Equity Opportunities Fund KOTAK	24.64%	25.01%	19.45%
Large and Midcap Fund MIRAE ASSET	19.74%	24.32%	22.50%
Flexi Cap Fund PGIM INDIA	14.75%	23.39%	-
Flexi Cap Fund DSP	18.41%	22.33%	16.91%
Emerging Equities Fund CANARA ROBECO	20.05%	21.80%	15.92%
Focused fund SUNDARAM	18.27%	18.22%	16.55%

Last updated: Mar 2025

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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. 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.

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 ₹22.4 L

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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)

17.86%

High Growth Fund

17.65%

Top 200 Fund

13.7%

Accelerator Mid-Cap Fund II

14.29%

Opportunities Fund

9.16%

Equity II Fund

12.7%

Accelerator Fund

13.69%

Grow Money Plus Fund

14.94%

Multiplier

11.41%

Equity Top 250 Fund

12.58%

Future Apex Fund

11.87%

Opportunities Fund

13.91%

Frontline Equity Fund

15.2%

Virtue II

10.42%

Pension Dynamic Equity Fund

11.81%

Top 300 Fund

9.94%

Blue-Chip Equity Fund

Cost of Delay Calculator

Start early, gain more

Monthly SIP Amount

/Month

Invest For (in Years)

Years

Stay Invested For (in Years)

Years

Expected return

% Annually

If you start SIP after (in Months)

Months

Due to the delay of 10 Months

Your Target Wealth will reduce by 13.3%.

With loss of ₹13,87,249

Start TodayDelayed Start

Invest Now

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.

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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.

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