Future Generali SIP Plan

Future Generali India Life Insurance offers a range of SIPs (Systematic Investment Plans) and ULIPs (Unit Linked Insurance Plans) products designed to combine wealth creation with life insurance protection. These plans cater to diverse financial goals, risk appetites, and investment horizons, providing policyholders with flexibility, market-linked returns, and life cover.

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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Buying the Dip Results in Higher Returns

List of Future Generali SIP Plans

Plan Name	Plan Type	Premium Payment Frequency
Future Generali Big Income Multiplier Plan	Guaranteed Savings	Yearly, Half-Yearly, Quarterly, Monthly
Future Generali Assured Income Plan	Guaranteed Savings	Yearly, Half-Yearly, Quarterly, Monthly
Future Generali Single Premium Anchor Plan	Savings + Income	Single premium
Future Generali Easy Invest Online Plan	ULIP	Flexible (monthly, quarterly, yearly)
Future Generali Select Insurance Plan	ULIP	Flexible
Future Generali Pramukh Nivesh ULIP	ULIP (Single Premium)	Single premium
Future Generali Lifetime Partner Plan	Non-linked, Participating	Regular premium payments

Overview of Future Generali SIP and ULIP Plans

Future Generali’s SIPs offerings are structured to help investors systematically invest in market-linked funds while enjoying the benefits of life insurance. These plans invest premiums in equity, debt, or balanced funds, allowing policyholders to benefit from market growth and professional fund management. The plans also provide life cover, ensuring financial security for the family in case of the policyholder’s demise.

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

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)

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

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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 Future Generali SIP/ULIP Plans

Market-Linked Returns: Investments are linked to market performance, offering potential for higher returns compared to traditional plans.
Life Insurance Cover: Provides financial protection to the nominee in case of the policyholder’s death.
Flexible Investment Options: Multiple fund options, including equity, debt, and balanced funds.
Systematic Investment: Enables disciplined investing through SIPs, reducing market timing risks.
Tax Benefits: Premiums paid are eligible for tax deductions under Section 80C, and maturity proceeds may be tax-free under Section 10(10D) of the Income Tax Act.
Fund Switching: Policyholders can switch between funds to optimize returns and manage risk.
Partial Withdrawals: Allowed after a lock-in period, providing liquidity.

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Benefits of Investing in Future Generali SIP/ULIP Plans

Wealth Creation with Protection

Combines investment growth potential with life insurance security.
Flexibility in Investment

Multiple fund choices and switching options help tailor the portfolio.
Regular Income Options

Plans like Single Premium Anchor and Long Term Income provide periodic survival benefits.
Tax Efficiency

Premiums and maturity proceeds enjoy tax benefits under applicable laws.
Long-Term Financial Planning

Suitable for retirement planning, children’s education, and wealth accumulation.

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Conclusion

Future Generali’s SIP and ULIP plans offer a comprehensive financial solution that combines investment and insurance. Whether you seek market-linked growth, guaranteed income, or long-term wealth creation, these plans provide customizable options to meet your financial goals. The flexibility in premium payment, fund selection, and income payout options make Future Generali plans a versatile choice for disciplined investors aiming for secure and rewarding financial futures.

FAQs

Can I choose the premium payment frequency?

Yes, Future Generali plans offer flexible payment frequencies, including monthly, quarterly, half-yearly, and yearly options, depending on the plan.
What are the tax benefits of investing in Future Generali SIP/ULIP plans?

Premiums paid are eligible for tax deductions under Section 80C. Maturity or death benefits are exempt under Section 10(10D) of the Income Tax Act.
Is there a minimum entry age for these plans?

Entry age varies by plan but generally ranges from as low as 3 years to a maximum of 55 years depending on the product.
Can I switch funds within the ULIP?

Yes, ULIP plans like Easy Invest Online Plan allow policyholders to switch between different fund options to optimize returns based on market conditions.