Exide SIP Plan

Exide Life Insurance offers a variety of financial products designed to meet the diverse needs of its customers. Exide Life Insurance does not specifically offer a "SIP Plan" in the traditional sense. However, they do provide several insurance plans that offer systematic savings and investment opportunities, such as Unit Linked Insurance Plans (ULIPs) and other savings-oriented life insurance policies. This article will explore these plans, focusing on their features, benefits, and how they can help individuals achieve their financial goals.

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SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry free investing

Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹11,620

NAV

145.13

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.79 17.49 16.77 %

Instant tax receipt
AUM (Cr)

₹2,687

NAV

66.77

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.13 14.43 14.55 %

Instant tax receipt
AUM (Cr)

₹3,237

NAV

63.03

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.61 14.79 14.23 %

Instant tax receipt
AUM (Cr)

₹35,377

NAV

69.11

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.42 13.27 13.64 %

Instant tax receipt
AUM (Cr)

₹446

NAV

61.99

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.08 12 13.57 %

Instant tax receipt
AUM (Cr)

₹4,837

NAV

62.08

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12 12.83 13.3 %

Instant tax receipt
AUM (Cr)

₹5,458

NAV

72.36

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.27 11.54 13.22 %

Instant tax receipt
AUM (Cr)

₹219

NAV

43.97

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.62 12.84 12.93 %

Instant tax receipt
AUM (Cr)

₹3,598

NAV

37.59

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.71 11.3 12.74 %

Instant tax receipt
AUM (Cr)

₹130

NAV

49.46

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.62 11.99 12.39 %

Instant tax receipt
AUM (Cr)

₹2,687

NAV

66.77

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.13 14.43 14.55 %

AUM (Cr)

₹3,237

NAV

63.03

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.61 14.79 14.23 %

AUM (Cr)

₹446

NAV

61.99

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.08 12 13.57 %

AUM (Cr)

₹4,837

NAV

62.08

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12 12.83 13.3 %

AUM (Cr)

₹219

NAV

43.97

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.62 12.84 12.93 %

AUM (Cr)

₹3,598

NAV

37.59

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.71 11.3 12.74 %

AUM (Cr)

₹130

NAV

49.46

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.62 11.99 12.39 %

AUM (Cr)

₹12,241

NAV

73.37

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.98 10.46 12 %

AUM (Cr)

₹965

NAV

40.71

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.83 11.19 11.78 %

AUM (Cr)

₹2,097

NAV

58.41

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.41 10.06 11.57 %

AUM (Cr)

₹11,620

NAV

145.13

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.79 17.49 16.77 %

AUM (Cr)

₹35,377

NAV

69.11

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.42 13.27 13.64 %

AUM (Cr)

₹5,458

NAV

72.36

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.27 11.54 13.22 %

AUM (Cr)

₹9,938

NAV

57.52

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21 18.96 22 %

AUM (Cr)

₹12,572

NAV

104.21

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.85 19.5 17.59 %

AUM (Cr)

₹1,051

NAV

66.43

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.51 13.09 14.1 %

AUM (Cr)

₹13,553

NAV

62.8

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.78 11.82 12.45 %

AUM (Cr)

₹1,125

NAV

50.37

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.99 11.78 12.18 %

AUM (Cr)

₹3,551

NAV

53.84

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.28 11.53 11.84 %

AUM (Cr)

₹526

NAV

51.89

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.3 10.29 10.69 %

AUM (Cr)

₹242

NAV

25.75

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.13 8.4 9.72 %

AUM (Cr)

₹823

NAV

40.85

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.66 6.84 7.28 %

AUM (Cr)

₹499

NAV

38.3

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.27 6.81 7.03 %

AUM (Cr)

₹117

NAV

30.17

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.98 6.58 6.92 %

AUM (Cr)

₹189

NAV

56.86

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.8 6.59 6.9 %

AUM (Cr)

₹171

NAV

34.94

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.2 6.39 6.85 %

AUM (Cr)

₹77

NAV

41.26

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.42 6.43 6.81 %

AUM (Cr)

₹16,781

NAV

50.02

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.29 6.29 6.62 %

AUM (Cr)

₹172

NAV

46.78

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 4.6 5.98 6.6 %

AUM (Cr)

₹93

NAV

38.97

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.21 6.45 6.59 %

AUM (Cr)

₹904

NAV

94.03

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.47 14.83 14.83 %

AUM (Cr)

₹354

NAV

44.99

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.57 9.36 9.89 %

AUM (Cr)

₹62

NAV

57.84

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.68 8.44 9.61 %

AUM (Cr)

₹460

NAV

98.06

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.49 8.54 9.53 %

AUM (Cr)

₹5,072

NAV

37.27

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.46 8.39 9.48 %

AUM (Cr)

₹21,160

NAV

68.74

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.07 8.33 9.27 %

AUM (Cr)

₹807

NAV

37.37

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.28 8.81 9.24 %

AUM (Cr)

₹6,860

NAV

103.68

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.59 8.58 9.13 %

AUM (Cr)

₹272

NAV

29.28

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.63 8.26 9.07 %

AUM (Cr)

₹1,775

NAV

40.55

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.27 8.39 8.86 %

View More

What are Exide Life Insurance Plans?

Exide Life Insurance is known for its wide range of insurance products, including savings plans, retirement plans, and ULIPs. These plans are designed to provide financial security, savings, and investment opportunities to policyholders. While Exide Life does not offer a traditional SIP plan, their ULIPs and savings plans can serve similar purposes by allowing systematic investments and providing life insurance coverage.

Key Features of Exide Life Insurance Plans

  1. Exide Life Prospering Life Plus (ULIP)

    Features:

    Offers investment in debt and equity markets through six fund options, providing low to high-risk investment opportunities.

    Benefits:

    Includes maturity and death benefits, loyalty bonuses, and income tax benefits.

    Premium Payment:

    Allows limited period or full policy term premium payments, with the option for a single lump sum payment.

  2. Exide Life Secured Income Insurance Plus

    Features:

    Participating endowment assurance policy with flexible premium payment terms (5, 7, and 10 years) and policy terms (10, 12, and 15 years).

    Benefits:

    Provides safe returns, protection against emergencies, and bonuses if declared by the company.

    Customization:

    Ideal for long-term financial goals with options for riders.

    Start An Sip Today Watch Your Money Grow Start An Sip Today Watch Your Money Grow
  3. Exide Life My Money Back Plan

    Features:

    Offers regular guaranteed payouts and life insurance coverage with flexible policy terms.

    Benefits:

    Provides financial security through periodic cash flows and a lump sum maturity benefit.

    Usage:

    Suitable for funding education, retirement, or covering unexpected expenses.

  4. Exide Life Smart Income Plan

    Features:

    Non-linked, participating life insurance plan with guaranteed income benefits and life cover.

    Benefits:

    Offers two survival benefit options—Enhanced Maturity and Enhanced Income—allowing policyholders to choose how they receive benefits.

    Guaranteed Income Benefit (GIB):

    Calculated as 10% of the basic sum assured, paid annually during the income payout term.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Top 300 Fund SBI Life
Rating
8.88% 10.5%
11.55%
View Plan
Opportunities Fund HDFC Life
Rating
12.42% 13.27%
13.64%
View Plan
High Growth Fund Axis Max Life
Rating
17.85% 19.5%
17.59%
View Plan
Opportunities Fund ICICI Prudential Life
Rating
11.28% 11.53%
11.84%
View Plan
Multi Cap Fund Tata AIA Life
Rating
21% 18.96%
22%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
12.27% 11.54%
13.22%
View Plan
Multiplier Birla Sun Life
Rating
14.37% 13.37%
14.74%
View Plan
Virtue II PNB MetLife
Rating
12.61% 14.79%
14.23%
View Plan
Equity II Fund Canara HSBC Life
Rating
8.46% 8.24%
9.73%
View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life
Rating
7.49% 8.34%
9.68%
View Plan
Fund rating powered by
Last updated: Mar 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 ₹1,748.84 Crs 28.91% N/A N/A ₹500 28.94%
Bandhan Small Cap Fund Regular-Growth ₹20,474.12 Crs 26.07% 20.2% N/A ₹1,000 25.81%
Motilal Oswal Midcap Fund Regular-Growth ₹33,689.20 Crs 17.76% 19.95% 15.5% ₹500 18.83%
ICICI Prudential Infrastructure Fund-Growth ₹8,097.89 Crs 20.26% 23.55% 17.35% ₹5,000 14.94%
Canara Robeco Large Cap Fund Regular-Growth ₹17,103.62 Crs 11.03% 9.6% 12.89% ₹100 11.61%
Mirae Asset Large Cap Fund Direct- Growth ₹40,184.41 Crs 10.21% 9.85% 13.44% ₹5,000 14.5%
Kotak Midcap Fund Regular-Growth ₹61,694.40 Crs 17.96% 16.27% 17.08% ₹100 14.06%
SBI Small Cap Fund-Growth ₹34,931.73 Crs 10.62% 13.02% 16.74% ₹5,000 17.62%
SBI Gold ETF ₹24,897.99 Crs 33.28% 25.87% 16.3% ₹5,000 13.46%

Updated as of Mar 2026

Compare more funds

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

Exide SIP Plans

Exide Life doesn’t offer a traditional mutual-fund SIP, but they do provide several insurance-investment products that allow systematic investments similar to a SIP including ULIPs. Here's a list:

SIP Plans  3 Year Returns  5 Year Returns 
Exide Life Pension Liquid Fund 3.95% 4.77%
Exide Life Midcap Fund 19.27% 9.76%
Exide Life Debt Fund 5.35% 6.36%
Exide Life Equity Fund 15.55% 10.19%
Exide Life Active Asset Allocation Fund 12.53% 9.20%

How Exide Life Plans Can Serve as Alternatives to SIPs?

While traditional SIPs are associated with mutual funds, Exide Life's insurance plans offer a structured approach to savings and investments. Here’s how they can serve as alternatives:

  • Systematic Savings: Plans like Exide Life Secured Income Insurance Plus and Exide Life Smart Income Plan encourage disciplined savings through regular premium payments.

  • Investment Opportunities: ULIPs, such as Exide Life Prospering Life Plus, allow policyholders to invest in various funds, providing exposure to equity and debt markets.

  • Life Insurance Coverage: All plans offer life insurance coverage, ensuring financial protection for dependents in case of unforeseen events.

  • Flexibility: Many plans offer flexible premium payment terms and policy durations, allowing policyholders to adjust their investments based on changing financial goals.

SIP Calculator

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
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
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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
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
11.7%
Equity Pension
Opportunities Fund
13.64%
Opportunities Fund
High Growth Fund
17.59%
High Growth Fund
Opportunities Fund
11.84%
Opportunities Fund
Multi Cap Fund
22%
Multi Cap Fund
Accelerator Mid-Cap Fund II
13.22%
Accelerator Mid-Cap Fund II
Multiplier
14.74%
Multiplier
Frontline Equity Fund
13.3%
Frontline Equity Fund
Virtue II
14.23%
Virtue II
Equity II Fund
9.73%
Equity II Fund
Gift Global Opportunity Maximizer Fund
10.16%
Gift Global Opportunity Maximizer Fund
Growth Opportunities Plus Fund
14.1%
Growth Opportunities Plus Fund
Equity Top 250 Fund
10.69%
Equity Top 250 Fund
Future Apex Fund
12.39%
Future Apex Fund
Pension Dynamic Equity Fund
10.56%
Pension Dynamic Equity Fund
Accelerator Fund
12.93%
Accelerator Fund

Choosing the Right Plan

When selecting an Exide Life plan, consider the following factors:

  • Financial Goals: Determine whether you are looking for long-term savings, regular income, or investment growth.

  • Risk Appetite: Decide if you prefer low-risk options like traditional insurance plans or higher-risk investments through ULIPs.

  • Flexibility: Consider plans with flexible premium payment terms and policy durations to adapt to changing financial situations.

  • Additional Benefits: Look for plans offering bonuses, tax benefits, or riders to enhance your coverage.

Conclusion

Exide Life Insurance offers a diverse portfolio of plans that cater to different financial needs, from savings and investments to life insurance coverage. While they do not have a specific "SIP Plan," their ULIPs and savings-oriented policies provide systematic investment opportunities and financial security. By choosing the right plan, individuals can achieve their long-term financial goals while ensuring protection for their loved ones.

FAQs

  • What is a ULIP offered by Exide Life?

    A ULIP (Unit Linked Insurance Plan) combines investment and insurance, allowing you to invest in equity or debt funds while providing life cover.
  • Can I choose the fund type in Exide Life ULIPs?

    Yes, Exide Life ULIPs offer multiple fund options ranging from equity to debt, letting you select based on your risk appetite.
  • Is there a life cover in Exide Life investment plans?

    Yes, all ULIPs and savings plans include life insurance coverage for the policyholder.
  • Can I switch funds in Exide Life ULIPs?

    Yes, ULIPs generally allow switching between fund options to manage risk and returns.
  • What happens if I miss a premium payment?

    Exide Life generally offers a grace period to pay missed premiums. Otherwise, the policy may lapse or continue as a paid-up policy depending on terms.

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Invest ₹10K/Month & Get ₹1 Crore# Tax-Free*
*under 10(10D)

˜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
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%. All SIPs listed here are of insurance companies’ funds. 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.
*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
^^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.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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