Pramerica SIP Plan

Pramerica Life Insurance, a joint venture between DHFL and Prudential International Insurance Holdings, offers a diverse range of investment and insurance products tailored to meet various financial goals. Among these, their Systematic Investment Plans (SIPs) and Unit Linked Insurance Plans (ULIPs) stand out for their flexibility and potential for wealth creation.

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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

Best SIP Funds

Tax Saving FundsLarge Cap Low Return FundsMid Cap Mid Return FundsMulti CapDebt FundsShariah FundsBalanced Funds
Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹11,620

NAV

₹158.91

Estimated Value

₹

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

+ 17.46 19.16 17.92 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,687

NAV

₹71.93

Estimated Value

₹

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

+ 13.65 15.7 15.67 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,237

NAV

₹67.45

Estimated Value

₹

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

+ 13.38 15.98 15.18 %

View Fund
Instant tax receipt
AUM (Cr)

₹446

NAV

₹67.13

Estimated Value

₹

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

+ 11.41 13.44 14.71 %

View Fund
Instant tax receipt
AUM (Cr)

₹35,377

NAV

₹75.22

Estimated Value

₹

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

+ 13.94 14.79 14.59 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,837

NAV

₹67.66

Estimated Value

₹

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

+ 13.58 14.44 14.48 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,458

NAV

₹78.79

Estimated Value

₹

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

+ 13.58 13.11 14.29 %

View Fund
Instant tax receipt
AUM (Cr)

₹219

NAV

₹47.45

Estimated Value

₹

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

+ 14.06 14.06 14.07 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,598

NAV

₹40.59

Estimated Value

₹

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

+ 11.28 12.65 13.75 %

View Fund
Instant tax receipt
AUM (Cr)

₹130

NAV

₹54.6

Estimated Value

₹

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

+ 12.51 13.68 13.73 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,687

NAV

₹71.93

Estimated Value

₹

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

+ 13.65 15.7 15.67 %

View Fund
AUM (Cr)

₹3,237

NAV

₹67.45

Estimated Value

₹

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

+ 13.38 15.98 15.18 %

View Fund
AUM (Cr)

₹446

NAV

₹67.13

Estimated Value

₹

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

+ 11.41 13.44 14.71 %

View Fund
AUM (Cr)

₹4,837

NAV

₹67.66

Estimated Value

₹

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

+ 13.58 14.44 14.48 %

View Fund
AUM (Cr)

₹219

NAV

₹47.45

Estimated Value

₹

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

+ 14.06 14.06 14.07 %

View Fund
AUM (Cr)

₹3,598

NAV

₹40.59

Estimated Value

₹

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

+ 11.28 12.65 13.75 %

View Fund
AUM (Cr)

₹130

NAV

₹54.6

Estimated Value

₹

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

+ 12.51 13.68 13.73 %

View Fund
AUM (Cr)

₹965

NAV

₹43.61

Estimated Value

₹

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

+ 10.94 12.3 12.8 %

View Fund
AUM (Cr)

₹808

NAV

₹28.34

Estimated Value

₹

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

+ 11.55 12.79 12.24 %

View Fund
AUM (Cr)

₹1,227

NAV

₹120.97

Estimated Value

₹

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

+ 10.54 10.94 11.96 %

View Fund
AUM (Cr)

₹11,620

NAV

₹158.91

Estimated Value

₹

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

+ 17.46 19.16 17.92 %

View Fund
AUM (Cr)

₹35,377

NAV

₹75.22

Estimated Value

₹

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

+ 13.94 14.79 14.59 %

View Fund
AUM (Cr)

₹5,458

NAV

₹78.79

Estimated Value

₹

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

+ 13.58 13.11 14.29 %

View Fund
AUM (Cr)

₹9,938

NAV

₹62.69

Estimated Value

₹

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

+ 21 20.56 22 %

View Fund
AUM (Cr)

₹12,572

NAV

₹113.1

Estimated Value

₹

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

+ 19.4 20.98 18.83 %

View Fund
AUM (Cr)

₹1,051

NAV

₹72.04

Estimated Value

₹

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

+ 12.98 14.55 15.24 %

View Fund
AUM (Cr)

₹13,553

NAV

₹68.79

Estimated Value

₹

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

+ 12.48 13.48 13.66 %

View Fund
AUM (Cr)

₹1,125

NAV

₹54.14

Estimated Value

₹

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

+ 13.34 13.08 13.19 %

View Fund
AUM (Cr)

₹3,551

NAV

₹58.57

Estimated Value

₹

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

+ 12.95 13.02 12.98 %

View Fund
AUM (Cr)

₹526

NAV

₹55.63

Estimated Value

₹

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

+ 10.33 11.52 11.67 %

View Fund
AUM (Cr)

₹242

NAV

₹27.34

Estimated Value

₹

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

+ 8.34 9.43 10.5 %

View Fund
AUM (Cr)

₹823

NAV

₹41.29

Estimated Value

₹

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

+ 5.76 7.06 7.31 %

View Fund
AUM (Cr)

₹499

NAV

₹38.65

Estimated Value

₹

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

+ 5.33 7.02 7.03 %

View Fund
AUM (Cr)

₹117

NAV

₹30.33

Estimated Value

₹

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

+ 6.03 6.67 6.93 %

View Fund
AUM (Cr)

₹171

NAV

₹35.28

Estimated Value

₹

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

+ 5.32 6.59 6.88 %

View Fund
AUM (Cr)

₹77

NAV

₹41.72

Estimated Value

₹

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

+ 5.54 6.62 6.86 %

View Fund
AUM (Cr)

₹16,781

NAV

₹50.49

Estimated Value

₹

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

+ 5.39 6.47 6.65 %

View Fund
AUM (Cr)

₹172

NAV

₹47.37

Estimated Value

₹

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

+ 4.74 6.2 6.63 %

View Fund
AUM (Cr)

₹1,013

NAV

₹47.21

Estimated Value

₹

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

+ 5.79 6.47 6.62 %

View Fund
AUM (Cr)

₹93

NAV

₹39.39

Estimated Value

₹

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

+ 5.33 6.66 6.6 %

View Fund
AUM (Cr)

₹904

NAV

₹99.27

Estimated Value

₹

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

+ 14.53 15.81 15.56 %

View Fund
AUM (Cr)

₹354

NAV

₹47.45

Estimated Value

₹

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

+ 9.46 10.33 10.55 %

View Fund
AUM (Cr)

₹5,072

NAV

₹39.39

Estimated Value

₹

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

+ 8.53 9.39 10.2 %

View Fund
AUM (Cr)

₹62

NAV

₹60.22

Estimated Value

₹

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

+ 8.29 9.15 10.11 %

View Fund
AUM (Cr)

₹460

NAV

₹102.14

Estimated Value

₹

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

+ 8.23 9.24 10.04 %

View Fund
AUM (Cr)

₹21,160

NAV

₹71.81

Estimated Value

₹

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

+ 7.88 9.11 9.84 %

View Fund
AUM (Cr)

₹807

NAV

₹39.18

Estimated Value

₹

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

+ 9.13 9.63 9.82 %

View Fund
AUM (Cr)

₹6,860

NAV

₹107.89

Estimated Value

₹

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

+ 8.3 9.27 9.74 %

View Fund
AUM (Cr)

₹272

NAV

₹30.73

Estimated Value

₹

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

+ 8.52 9.02 9.65 %

View Fund
AUM (Cr)

₹1,775

NAV

₹42.7

Estimated Value

₹

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

+ 9.18 9.34 9.5 %

View Fund
View More

List of Pramerica SIP Plans

SIP Plans  5 Year Return  10 Year Return
Pramerica Life - Balanced Fund 9.66% 8.27%
Pramerica Life - Growth Fund 13.71% 9.48%
Pramerica Life - Multicap Opportunities Fund 17.57% -
Pramerica Life - Debt Fund 5.91% 6.81%
Pramerica Life - Large Cap Fund 18.81% 10.94%

Understanding Pramerica SIPs

While Pramerica Life Insurance primarily focuses on ULIPs, SIPs are typically associated with mutual funds. However, investors can explore SIP options through PGIM India Mutual Fund (formerly DHFL Pramerica Mutual Fund), which offers systematic investment avenues in equity and debt mutual funds. These SIPs allow investors to contribute small amounts regularly, promoting disciplined investing and capital growth over time.​

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Equity Fund SBI Life
Rating
 10.11% 11.04%
11.86%
View Plan
Opportunities Fund HDFC Life
Rating
 13.94% 14.79%
14.59%
View Plan
High Growth Fund Axis Max Life
Rating
 19.4% 20.98%
18.83%
View Plan
Opportunities Fund ICICI Prudential Life
Rating
 12.95% 13.02%
12.98%
View Plan
Multi Cap Fund Tata AIA Life
Rating
 21% 20.56%
22%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
 13.58% 13.11%
14.29%
View Plan
Multiplier Birla Sun Life
Rating
 16.15% 15.09%
15.92%
View Plan
Virtue II PNB MetLife
Rating
 13.38% 15.98%
15.18%
View Plan
Equity II Fund Canara HSBC Life
Rating
 9.93% 9.63%
10.9%
View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life
Rating
 8.76% 9.48%
10.64%
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 ₹1,570.41 Crs 31.62% N/A N/A ₹500 31.4%
Bandhan Small Cap Fund Regular-Growth ₹20,129.67 Crs 28.87% 21.52% N/A ₹1,000 27.52%
Motilal Oswal Midcap Fund Regular-Growth ₹31,046.66 Crs 22.02% 22.29% 16.67% ₹500 19.82%
ICICI Prudential Infrastructure Fund-Growth ₹7,553.54 Crs 22.73% 25.19% 18.29% ₹5,000 15.33%
Canara Robeco Large Cap Fund Regular-Growth ₹17,103.62 Crs 12.88% 10.78% 13.82% ₹100 12.05%
Mirae Asset Large Cap Fund Direct-Growth ₹35,342.63 Crs 12.2% 11.21% 14.45% ₹5,000 15.06%
Kotak Midcap Fund Regular-Growth ₹55,675.98 Crs 20.38% 17.32% 17.81% ₹100 14.47%
SBI Small Cap Fund-Growth ₹32,285.56 Crs 12.78% 13.91% 17.28% ₹5,000 18.07%
SBI Gold ETF ₹23,579.47 Crs 33.17% 25.1% 16.47% ₹5,000 13.55%

Updated as of Mar 2026

Compare more funds

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

Exploring Pramerica ULIP Plans

Pramerica's ULIP offerings combine the benefits of life insurance with investment opportunities in market-linked funds. These plans provide policyholders with the dual advantage of financial protection and wealth accumulation.​

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
  • 2
  • 3
  • 4
  • 6
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
12.75%
Equity Pension
Opportunities Fund
14.59%
Opportunities Fund
High Growth Fund
18.83%
High Growth Fund
Opportunities Fund
12.98%
Opportunities Fund
Multi Cap Fund
22%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.29%
Accelerator Mid-Cap Fund II
Multiplier
15.92%
Multiplier
Frontline Equity Fund
14.48%
Frontline Equity Fund
Virtue II
15.18%
Virtue II
Equity II Fund
10.9%
Equity II Fund
Blue-Chip Equity Fund
10.64%
Blue-Chip Equity Fund
Growth Opportunities Plus Fund
15.24%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.67%
Equity Top 250 Fund
Future Apex Fund
13.73%
Future Apex Fund
Pension Dynamic Equity Fund
11.6%
Pension Dynamic Equity Fund
Accelerator Fund
14.07%
Accelerator Fund

Key ULIP Plans Offered by Pramerica Life Insurance

Plan Name Highlights Ideal For
Wealth Maximiser Multiple sum assured options, persistency units, and wealth boosters. Long-term wealth creation with protection.
Super Investment Plan Life cover with investment benefits. Individuals seeking insurance with growth.
Wealth Enhancer Focus on wealth accumulation with market-linked returns. Investors aiming for high returns.
Wealth+ Ace Investment opportunities for planned milestones. Goal-oriented investors.
Smart Wealth+ Market-linked returns with life cover. Balanced approach to investment and insurance.
Smart Invest 1 UP Two plan options: Dream Builder and Wealth Builder. Customized investment strategies.
NextGen Pension Plan Retirement-focused plan with guaranteed additions. Individuals planning for retirement.

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

Benefits of Choosing Pramerica ULIPs

  • Life Insurance Coverage: Provides financial security to your loved ones in case of unforeseen events.​

  • Investment Flexibility: Offers a range of fund options to suit different risk appetites.​

  • Tax Advantages: Premiums paid are eligible for tax deductions under Section 80C of the Income Tax Act.​

  • Wealth Creation: Potential for higher returns through market-linked investments.​

  • Transparency: Regular updates on fund performance and charges.

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FAQs

  • What is the minimum investment amount for Pramerica ULIPs?

    The minimum premium varies by plan; it's advisable to consult the specific plan brochure or contact Pramerica for details.

  • Can I switch between funds in my ULIP?

    Yes, Pramerica ULIPs allow fund switching to align with changing financial goals and market conditions.

  • Are there any charges associated with ULIPs?

    ULIPs may have charges like premium allocation, policy administration, fund management, and mortality charges.

  • How is the fund performance communicated to policyholders?

    Pramerica provides regular updates on fund performance through statements and their official website.

  • Is partial withdrawal allowed in ULIPs?

    Yes, after a specified lock-in period, partial withdrawals are permitted, subject to terms and conditions.

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˜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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