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.

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

Best SIP Funds

Tax Saving Funds Large Cap Low Return Funds Mid Cap Mid Return Funds Multi Cap Debt Funds Shariah Funds Balanced Funds

Payment Mode

Invest

₹ 10,000

Invest for

Large Cap Equity Fund

AUM (Cr)

₹2,773

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.79 17.94 16.22 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹36,263

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 16.08 15.9 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.77 15.39 15.31 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,330

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.64 17.1 15.22 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,789

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.66 16.32 14.94 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.88 16.22 14.61 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,680

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.2 14.47 14.45 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹121

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.99 16.12 14.4 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,701

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.12 14.64 14.33 %

View Fund

Instant tax receipt

Growth Super Fund

AUM (Cr)

₹12,943

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.5 13.68 13.55 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,773

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.79 17.94 16.22 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.77 15.39 15.31 %

View Fund

Virtue II

AUM (Cr)

₹3,330

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.64 17.1 15.22 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,789

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.66 16.32 14.94 %

View Fund

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.88 16.22 14.61 %

View Fund

Future Apex Fund

AUM (Cr)

₹121

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.99 16.12 14.4 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,701

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.12 14.64 14.33 %

View Fund

Growth Super Fund

AUM (Cr)

₹12,943

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.5 13.68 13.55 %

View Fund

Super 20

AUM (Cr)

₹2,208

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.02 13.73 13.43 %

View Fund

Bluechip Equity Fund

AUM (Cr)

₹1,031

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.23 14.3 13.43 %

View Fund

Opportunities Fund

AUM (Cr)

₹36,263

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 16.08 15.9 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,680

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.2 14.47 14.45 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,815

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29 23.3 21.05 %

View Fund

High Growth Fund

AUM (Cr)

₹12,246

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29.43 23.7 18.4 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,053

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.19 16.17 15.53 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,777

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.1 15.01 14.03 %

View Fund

Flexi Cap

AUM (Cr)

₹1,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.34 15.04 13.5 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,622

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.82 14.85 13.36 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹541

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.54 13.25 12.04 %

View Fund

Asset Allocation

AUM (Cr)

₹258

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.45 10.51 11.13 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹810

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.64 7.25 7.61 %

View Fund

Debt Fund

AUM (Cr)

₹512

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.3 7.35 7.4 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹181

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.62 6.45 7.08 %

View Fund

Steady Money Fund

AUM (Cr)

₹76

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.36 6.84 7.07 %

View Fund

Bond Fund

AUM (Cr)

₹120

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.87 6.84 7.04 %

View Fund

Debt Fund

AUM (Cr)

₹93

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.16 6.86 6.98 %

View Fund

Secure Fund

AUM (Cr)

₹1,022

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.72 6.69 6.9 %

View Fund

Bond Fund

AUM (Cr)

₹17,457

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.23 6.67 6.89 %

View Fund

Bond Fund

AUM (Cr)

₹1,650

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.24 6.39 6.78 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹935

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.51 17.15 15.94 %

View Fund

Balanced Fund

AUM (Cr)

₹363

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.21 11.47 10.98 %

View Fund

Balanced Fund

AUM (Cr)

₹5,378

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.3 10.84 10.7 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹64

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.62 10.13 10.48 %

View Fund

Creator

AUM (Cr)

₹478

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.66 10.35 10.39 %

View Fund

Balanced Fund

AUM (Cr)

₹22,084

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.34 10.24 10.24 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹276

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.34 10.29 10.24 %

View Fund

Balancer II

AUM (Cr)

₹833

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.67 10.77 10.21 %

View Fund

Growth Fund

AUM (Cr)

₹7,213

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.95 10.34 10.05 %

View Fund

Stable Fund

AUM (Cr)

₹18

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.69 10.11 10.04 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,309

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.94 14.56 13.98 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,449

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.39 14.66 13.73 %

View Fund

Pure Equity

AUM (Cr)

₹3,075

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.52 13.99 13.26 %

View Fund

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

Fund Name	5 Years	7 Years	10 Years
	Returns
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 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 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 ₹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

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)

13.24%

Equity Pension

16.3%

Global Blue Chip Anchor Strategy

18.4%

High Growth Fund

18.03%

US Growth Fund

21.05%

Multi Cap Fund

14.45%

Accelerator Mid-Cap Fund II

15.9%

Multiplier

14.94%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.44%

Equity II Fund

14.6%

US Equity Fund

15.53%

Growth Opportunities Plus Fund

12.04%

Equity Top 250 Fund

14.4%

Future Apex Fund

12.38%

Pension Dynamic Equity Fund

14.61%

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

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.

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.

Pramerica SIP Plan

Best SIP Funds

List of Pramerica SIP Plans

Understanding Pramerica SIPs

Exploring Pramerica ULIP Plans

SIP Calculator

Key ULIP Plans Offered by Pramerica Life Insurance

Benefits of Choosing Pramerica ULIPs

FAQs

What is the minimum investment amount for Pramerica ULIPs?

Can I switch between funds in my ULIP?

Are there any charges associated with ULIPs?

How is the fund performance communicated to policyholders?

Is partial withdrawal allowed in ULIPs?

SIP plans articles

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