IndiaFirst SIP Plans

Planning for a financially secure future requires consistency, patience, and the right investment strategy. IndiaFirst Life Insurance Company brings you its SIP Plan offerings — tailored solutions for individuals seeking to grow their wealth systematically. Whether you're new to investing or looking for long-term financial goals, the IndiaFirst SIP Plan ensures you make small, regular investments that add up to significant returns over time.

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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)

₹2,773

NAV

75.42

Estimated Value

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

+ 16.79 17.94 16.22 %

Instant tax receipt
AUM (Cr)

₹36,263

NAV

76.18

Estimated Value

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

+ 19.5 16.08 15.9 %

Instant tax receipt
AUM (Cr)

₹446

NAV

70.74

Estimated Value

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

+ 14.77 15.39 15.31 %

Instant tax receipt
AUM (Cr)

₹3,330

NAV

68.96

Estimated Value

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

+ 16.64 17.1 15.22 %

Instant tax receipt
AUM (Cr)

₹4,789

NAV

69.96

Estimated Value

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

+ 16.66 16.32 14.94 %

Instant tax receipt
AUM (Cr)

₹237

NAV

50.12

Estimated Value

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

+ 16.88 16.22 14.61 %

Instant tax receipt
AUM (Cr)

₹5,680

NAV

79.73

Estimated Value

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

+ 16.2 14.47 14.45 %

Instant tax receipt
AUM (Cr)

₹121

NAV

57.54

Estimated Value

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

+ 15.99 16.12 14.4 %

Instant tax receipt
AUM (Cr)

₹3,701

NAV

42.7

Estimated Value

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

+ 14.12 14.64 14.33 %

Instant tax receipt
AUM (Cr)

₹12,943

NAV

82.83

Estimated Value

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

+ 13.5 13.68 13.55 %

Instant tax receipt
AUM (Cr)

₹2,773

NAV

75.42

Estimated Value

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

+ 16.79 17.94 16.22 %

AUM (Cr)

₹446

NAV

70.74

Estimated Value

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

+ 14.77 15.39 15.31 %

AUM (Cr)

₹3,330

NAV

68.96

Estimated Value

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

+ 16.64 17.1 15.22 %

AUM (Cr)

₹4,789

NAV

69.96

Estimated Value

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

+ 16.66 16.32 14.94 %

AUM (Cr)

₹237

NAV

50.12

Estimated Value

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

+ 16.88 16.22 14.61 %

AUM (Cr)

₹121

NAV

57.54

Estimated Value

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

+ 15.99 16.12 14.4 %

AUM (Cr)

₹3,701

NAV

42.7

Estimated Value

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

+ 14.12 14.64 14.33 %

AUM (Cr)

₹12,943

NAV

82.83

Estimated Value

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

+ 13.5 13.68 13.55 %

AUM (Cr)

₹2,208

NAV

67.47

Estimated Value

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

+ 13.02 13.73 13.43 %

AUM (Cr)

₹1,031

NAV

46.07

Estimated Value

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

+ 14.23 14.3 13.43 %

AUM (Cr)

₹36,263

NAV

76.18

Estimated Value

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

+ 19.5 16.08 15.9 %

AUM (Cr)

₹5,680

NAV

79.73

Estimated Value

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

+ 16.2 14.47 14.45 %

AUM (Cr)

₹9,815

NAV

64.02

Estimated Value

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

+ 29 23.3 21.05 %

AUM (Cr)

₹12,246

NAV

112.46

Estimated Value

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

+ 29.43 23.7 18.4 %

AUM (Cr)

₹1,053

NAV

74.43

Estimated Value

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

+ 16.19 16.17 15.53 %

AUM (Cr)

₹13,777

NAV

70.13

Estimated Value

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

+ 15.1 15.01 14.03 %

AUM (Cr)

₹1,137

NAV

56.51

Estimated Value

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

+ 16.34 15.04 13.5 %

AUM (Cr)

₹3,622

NAV

60.53

Estimated Value

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

+ 15.82 14.85 13.36 %

AUM (Cr)

₹541

NAV

57.63

Estimated Value

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

+ 13.54 13.25 12.04 %

AUM (Cr)

₹258

NAV

28.51

Estimated Value

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

+ 9.45 10.51 11.13 %

AUM (Cr)

₹810

NAV

41.04

Estimated Value

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

+ 5.64 7.25 7.61 %

AUM (Cr)

₹512

NAV

38.63

Estimated Value

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

+ 5.3 7.35 7.4 %

AUM (Cr)

₹181

NAV

47.34

Estimated Value

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

+ 4.62 6.45 7.08 %

AUM (Cr)

₹76

NAV

41.48

Estimated Value

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

+ 5.36 6.84 7.07 %

AUM (Cr)

₹120

NAV

29.95

Estimated Value

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

+ 5.87 6.84 7.04 %

AUM (Cr)

₹93

NAV

39.22

Estimated Value

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

+ 5.16 6.86 6.98 %

AUM (Cr)

₹1,022

NAV

47.08

Estimated Value

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

+ 5.72 6.69 6.9 %

AUM (Cr)

₹17,457

NAV

50.25

Estimated Value

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

+ 5.23 6.67 6.89 %

AUM (Cr)

₹1,650

NAV

43.85

Estimated Value

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

+ 5.24 6.39 6.78 %

AUM (Cr)

₹935

NAV

100.97

Estimated Value

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

+ 16.51 17.15 15.94 %

AUM (Cr)

₹363

NAV

48.4

Estimated Value

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

+ 11.21 11.47 10.98 %

AUM (Cr)

₹5,378

NAV

40.67

Estimated Value

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

+ 10.3 10.84 10.7 %

AUM (Cr)

₹64

NAV

61.4

Estimated Value

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

+ 9.62 10.13 10.48 %

AUM (Cr)

₹478

NAV

104.51

Estimated Value

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

+ 9.66 10.35 10.39 %

AUM (Cr)

₹22,084

NAV

73.89

Estimated Value

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

+ 9.34 10.24 10.24 %

AUM (Cr)

₹276

NAV

31.97

Estimated Value

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

+ 10.34 10.29 10.24 %

AUM (Cr)

₹833

NAV

40.17

Estimated Value

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

+ 10.67 10.77 10.21 %

AUM (Cr)

₹7,213

NAV

110.97

Estimated Value

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

+ 9.95 10.34 10.05 %

AUM (Cr)

₹18

NAV

33.8

Estimated Value

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

+ 9.69 10.11 10.04 %

AUM (Cr)

₹1,309

NAV

80.64

Estimated Value

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

+ 15.94 14.56 13.98 %

AUM (Cr)

₹7,449

NAV

158.28

Estimated Value

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

+ 16.39 14.66 13.73 %

AUM (Cr)

₹3,075

NAV

69.55

Estimated Value

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

+ 15.52 13.99 13.26 %

View More

What is an SIP Plan?

SIP or Systematic Investment Plan is a disciplined way to invest in mutual funds or insurance-linked investment options like ULIPs (Unit Linked Insurance Plans). It allows you to invest a fixed amount regularly — monthly or quarterly — into your chosen investment fund. With the power of rupee cost averaging and the benefit of compounding, SIPs help reduce the impact of market volatility and build a strong corpus over time.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Equity Fund SBI Life
Rating
13.13% 13.07%
12.43%
View Plan
Opportunities Fund HDFC Life
Rating
19.5% 16.08%
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%
21.05%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
16.2% 14.47%
14.45%
View Plan
Multiplier Birla Sun Life
Rating
19.5% 16.49%
15.9%
View Plan
Pension Mid Cap Fund PNB MetLife
Rating
31.41% 24.68%
18.41%
View Plan
Equity II Fund Canara HSBC Life
Rating
12.98% 11.89%
11.44%
View Plan
US Equity Fund Star Union Dai-ichi Life
Rating
14.54% -
14.6%
View Plan
Fund rating powered by
Last updated: Dec 2025
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 Dec 2025

Compare more funds

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

IndiaFirst SIP and ULIP Plans

IndiaFirst offers various investment plans that support systematic investments with additional benefits like life cover, tax savings, and market-linked returns. 

  1. IndiaFirst SIP Plans

    SIP Plans  5 Year Returns  10 Year Returns 
    India First Life - Index Tracker Fund 19.77% 11.76%
    India First Life - Liquid Fund 3.63% 4.02%
    India First Life - Balanced Fund 16.03% 10.21%
    India First Life - Debt Fund 5.60% 6.28%
    India First Life - Equity Fund 21.51% 11.78%
  2. IndiaFirst ULIP Plans

    Plan Name Type Key Benefits Ideal For
    IndiaFirst Life Wealth Maximizer Plan ULIP Market-linked returns, life cover, partial withdrawals Long-term investors
    IndiaFirst Smart Save Plan ULIP Loyalty additions, tax benefits under Section 80C & 10(10D) Goal-based savers
    IndiaFirst Life e-Wealth Insurance Plan ULIP Digital-first, no policy allocation or admin charges Tech-savvy and cost-conscious
    IndiaFirst Money Balance Plan Endowment Balance of savings and insurance, guaranteed additions Conservative investors
    IndiaFirst MahaJeevan Plus Plan Endowment Long-term savings, death benefit, income payouts Family financial planning

Why Choose IndiaFirst SIP Plans?

  • Systematic Investment: You can start with small contributions and build wealth steadily.

  • Life Cover: Unlike traditional SIPs, most IndiaFirst plans offer insurance protection.

  • Flexible Tenure: Choose the policy term and premium payment frequency that suits you.

  • Tax Benefits: Get deductions under Section 80C and tax-free returns under Section 10(10D).

  • Online Accessibility: Easy to purchase and manage your policy online.

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
% Annually
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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
13.24%
Equity Pension
Global Blue Chip Anchor Strategy
16.3%
Global Blue Chip Anchor Strategy
High Growth Fund
18.4%
High Growth Fund
US Growth Fund
18.03%
US Growth Fund
Multi Cap Fund
21.05%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.45%
Accelerator Mid-Cap Fund II
Multiplier
15.9%
Multiplier
Frontline Equity Fund
14.94%
Frontline Equity Fund
Pension Mid Cap Fund
18.41%
Pension Mid Cap Fund
Equity II Fund
11.44%
Equity II Fund
US Equity Fund
14.6%
US Equity Fund
Growth Opportunities Plus Fund
15.53%
Growth Opportunities Plus Fund
Equity Top 250 Fund
12.04%
Equity Top 250 Fund
Future Apex Fund
14.4%
Future Apex Fund
Pension Dynamic Equity Fund
12.38%
Pension Dynamic Equity Fund
Accelerator Fund
14.61%
Accelerator Fund

Who Should Consider These Plans?

  • Young professionals beginning their financial journey.

  • Parents planning for their child’s education or marriage.

  • Individuals targeting retirement or long-term wealth creation.

  • Anyone seeking a blend of protection and investment.

  • Those who are researching the best SIP plans to start their investment journey.

How to Start an SIP with IndiaFirst?

  • Choose a Plan: Assess your goals — retirement, wealth creation, family protection.

  • Select Investment Frequency: Monthly or quarterly contributions.

  • Pick Fund Options: Equity, debt, or balanced funds as per risk appetite.

  • Complete KYC & Documentation: Easy online process.

  • Track Your Plan Online: Stay updated with your investment progress.

Start An Sip Today Watch Your Money Grow Start An Sip Today Watch Your Money Grow

Final Thoughts

IndiaFirst SIP Plans are a prudent choice for anyone who wants to take control of their financial future with small yet consistent steps. They blend the benefits of investment and insurance, making them ideal for both beginners and experienced investors. Start your SIP journey with IndiaFirst today and enjoy a future built on financial discipline and smart decisions.

FAQs

  • Is SIP available in IndiaFirst Life plans?

    Yes, IndiaFirst Life offers SIP-like features in its ULIP and endowment plans, allowing regular premium payments.
  • How much should I invest monthly?

    You can start with an amount as low as INR 1,000 depending on the plan.
  • Is there a lock-in period?

    Yes, most ULIPs have a mandatory 5-year lock-in period.
  • What if I miss a payment?

    There is a grace period; however, missing multiple payments can lead to policy lapse. It’s best to set an auto-debit.
  • Can I switch funds in ULIP-based plans?

    Yes, IndiaFirst ULIPs allow fund switching depending on market conditions and your risk profile.
  • Are IndiaFirst SIP plans tax-free?

    Premiums paid are eligible for tax benefits under Section 80C. Maturity proceeds may be tax-free under Section 10(10D).

SIP Hub

˜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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