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)

₹11,792

NAV

₹119.64

Estimated Value

₹

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

+ 28.04 22.85 19.37 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,722

NAV

₹75.41

Estimated Value

₹

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

+ 19.05 17.95 15.93 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,366

NAV

₹71.98

Estimated Value

₹

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

+ 19.85 17.78 15.62 %

View Fund
Instant tax receipt
AUM (Cr)

₹36,970

NAV

₹79.33

Estimated Value

₹

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

+ 20.69 16.54 15.06 %

View Fund
Instant tax receipt
AUM (Cr)

₹440

NAV

₹71.12

Estimated Value

₹

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

+ 16.45 15.55 14.97 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,690

NAV

₹71.5

Estimated Value

₹

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

+ 19.06 16.72 14.75 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,748

NAV

₹83.62

Estimated Value

₹

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

+ 20.04 14.58 14.74 %

View Fund
Instant tax receipt
AUM (Cr)

₹239

NAV

₹51.73

Estimated Value

₹

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

+ 19.17 16.62 14.42 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,677

NAV

₹42.97

Estimated Value

₹

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

+ 15.99 14.87 14.4 %

View Fund
Instant tax receipt
AUM (Cr)

₹113

NAV

₹58.47

Estimated Value

₹

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

+ 18.59 16.37 14.2 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,722

NAV

₹75.41

Estimated Value

₹

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

+ 19.05 17.95 15.93 %

View Fund
AUM (Cr)

₹3,366

NAV

₹71.98

Estimated Value

₹

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

+ 19.85 17.78 15.62 %

View Fund
AUM (Cr)

₹440

NAV

₹71.12

Estimated Value

₹

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

+ 16.45 15.55 14.97 %

View Fund
AUM (Cr)

₹4,690

NAV

₹71.5

Estimated Value

₹

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

+ 19.06 16.72 14.75 %

View Fund
AUM (Cr)

₹239

NAV

₹51.73

Estimated Value

₹

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

+ 19.17 16.62 14.42 %

View Fund
AUM (Cr)

₹3,677

NAV

₹42.97

Estimated Value

₹

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

+ 15.99 14.87 14.4 %

View Fund
AUM (Cr)

₹113

NAV

₹58.47

Estimated Value

₹

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

+ 18.59 16.37 14.2 %

View Fund
AUM (Cr)

₹7,449

NAV

₹157.46

Estimated Value

₹

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

+ 16.96 14.78 13.84 %

View Fund
AUM (Cr)

₹13,086

NAV

₹85.04

Estimated Value

₹

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

+ 16.12 14.31 13.61 %

View Fund
AUM (Cr)

₹2,189

NAV

₹68.66

Estimated Value

₹

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

+ 14.68 14.1 13.08 %

View Fund
AUM (Cr)

₹11,792

NAV

₹119.64

Estimated Value

₹

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

+ 28.04 22.85 19.37 %

View Fund
AUM (Cr)

₹36,970

NAV

₹79.33

Estimated Value

₹

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

+ 20.69 16.54 15.06 %

View Fund
AUM (Cr)

₹5,748

NAV

₹83.62

Estimated Value

₹

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

+ 20.04 14.58 14.74 %

View Fund
AUM (Cr)

₹9,302

NAV

₹65.35

Estimated Value

₹

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

+ 24.13 22.76 21.05 %

View Fund
AUM (Cr)

₹1,037

NAV

₹74.98

Estimated Value

₹

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

+ 18.13 16.25 15.15 %

View Fund
AUM (Cr)

₹13,897

NAV

₹71.69

Estimated Value

₹

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

+ 17.45 15.46 13.83 %

View Fund
AUM (Cr)

₹3,553

NAV

₹62.16

Estimated Value

₹

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

+ 18.27 15.31 13.34 %

View Fund
AUM (Cr)

₹1,143

NAV

₹56.52

Estimated Value

₹

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

+ 17.93 15.03 13.23 %

View Fund
AUM (Cr)

₹541

NAV

₹59.17

Estimated Value

₹

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

+ 15.81 13.82 11.95 %

View Fund
AUM (Cr)

₹269

NAV

₹29.08

Estimated Value

₹

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

+ 10.14 11.19 11.17 %

View Fund
AUM (Cr)

₹826

NAV

₹41

Estimated Value

₹

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

+ 5.86 7.61 7.58 %

View Fund
AUM (Cr)

₹480

NAV

₹38.64

Estimated Value

₹

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

+ 5.55 7.79 7.4 %

View Fund
AUM (Cr)

₹121

NAV

₹29.85

Estimated Value

₹

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

+ 5.97 7.08 7.14 %

View Fund
AUM (Cr)

₹77

NAV

₹41.38

Estimated Value

₹

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

+ 5.51 7.18 7.11 %

View Fund
AUM (Cr)

₹187

NAV

₹47.2

Estimated Value

₹

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

+ 4.81 6.92 6.96 %

View Fund
AUM (Cr)

₹18,375

NAV

₹50.25

Estimated Value

₹

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

+ 5.41 7.1 6.93 %

View Fund
AUM (Cr)

₹91

NAV

₹39.15

Estimated Value

₹

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

+ 5.37 7.22 6.92 %

View Fund
AUM (Cr)

₹1,031

NAV

₹46.77

Estimated Value

₹

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

+ 5.76 7 6.82 %

View Fund
AUM (Cr)

₹1,686

NAV

₹43.83

Estimated Value

₹

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

+ 5.37 6.75 6.77 %

View Fund
AUM (Cr)

₹917

NAV

₹102.12

Estimated Value

₹

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

+ 18.67 17.43 15.84 %

View Fund
AUM (Cr)

₹365

NAV

₹49.02

Estimated Value

₹

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

+ 12.54 11.92 10.87 %

View Fund
AUM (Cr)

₹5,496

NAV

₹40.89

Estimated Value

₹

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

+ 11.48 11.04 10.45 %

View Fund
AUM (Cr)

₹67

NAV

₹61.64

Estimated Value

₹

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

+ 10.43 10.49 10.36 %

View Fund
AUM (Cr)

₹485

NAV

₹105.24

Estimated Value

₹

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

+ 10.57 10.67 10.3 %

View Fund
AUM (Cr)

₹22,457

NAV

₹74.5

Estimated Value

₹

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

+ 10.3 10.64 10.23 %

View Fund
AUM (Cr)

₹281

NAV

₹32.29

Estimated Value

₹

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

+ 11.43 10.66 10.14 %

View Fund
AUM (Cr)

₹833

NAV

₹40.22

Estimated Value

₹

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

+ 11.56 11 10.11 %

View Fund
AUM (Cr)

₹7,453

NAV

₹112.23

Estimated Value

₹

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

+ 11.2 10.75 10.03 %

View Fund
AUM (Cr)

₹1,935

NAV

₹44.42

Estimated Value

₹

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

+ 12.16 10.72 9.85 %

View Fund
AUM (Cr)

₹1,295

NAV

₹81.24

Estimated Value

₹

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

+ 18.4 15.02 13.82 %

View Fund
AUM (Cr)

₹7,238

NAV

₹156.62

Estimated Value

₹

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

+ 17.81 14.65 13.62 %

View Fund
AUM (Cr)

₹2,922

NAV

₹70.8

Estimated Value

₹

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

+ 17.76 14.72 13.34 %

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 Pension SBI Life
Rating
 16.34% 13.97%
13.08%
View Plan
Opportunities Fund HDFC Life
Rating
 20.69% 16.54%
15.06%
View Plan
High Growth Fund Axis Max Life
Rating
 28.04% 22.85%
19.37%
View Plan
Opportunities Fund ICICI Prudential Life
Rating
 18.27% 15.31%
13.34%
View Plan
Multi Cap Fund Tata AIA Life
Rating
 24.13% 22.76%
21.05%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
 20.04% 14.58%
14.74%
View Plan
Multiplier Birla Sun Life
Rating
 22.26% 17%
16.2%
View Plan
Pension Mid Cap Fund PNB MetLife
Rating
 31.41% 24.68%
18.41%
View Plan
Equity II Fund Canara HSBC Life
Rating
 14.83% 12.09%
11.27%
View Plan
US Equity Fund Star Union Dai-ichi Life
Rating
 16.95% -
14.82%
View Plan
Fund rating powered by
Last updated: Oct 2025
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  Returns
Fund Name 3 Years 5 Years 10 Years
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: August 2025

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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
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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
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
13.08%
Equity Pension
Global Equity Index Funds Strategy
15.49%
Global Equity Index Funds Strategy
High Growth Fund
19.37%
High Growth Fund
Opportunities Fund
13.34%
Opportunities Fund
Multi Cap Fund
21.05%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.74%
Accelerator Mid-Cap Fund II
Multiplier
16.2%
Multiplier
Frontline Equity Fund
14.75%
Frontline Equity Fund
Pension Mid Cap Fund
18.41%
Pension Mid Cap Fund
Equity II Fund
11.27%
Equity II Fund
US Equity Fund
14.82%
US Equity Fund
Growth Opportunities Plus Fund
15.15%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.95%
Equity Top 250 Fund
Future Apex Fund
14.2%
Future Apex Fund
Pension Dynamic Equity Fund
12.02%
Pension Dynamic Equity Fund
Accelerator Fund
14.42%
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.

SIP Plans
5 Years
SIP Plans
7 Years
SIP Plans
10 Years
SIP Plans
12 Years
SIP Plans
15 Years
SIP Plans
20 Years
SIP Plans

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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500 SIP for 1 Year
500 SIP for 2 Years
500 SIP for 5 Years
500 SIP for 10 Years
500 SIP for 15 Years
500 SIP for 20 Years
500 SIP for 25 Years
1000 SIP for 1 Year
1000 SIP for 2 Years
1000 SIP for 10 Years
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1000 SIP for 30 Years
2000 SIP for 1 Year
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2000 SIP for 5 Years
2000 SIP for 18 Years
2000 SIP for 20 Years
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3000 SIP for 1 Year
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3000 SIP for 20 Years
3000 SIP for 25 Years
5000 SIP for 1 Year
5000 SIP for 2 Years
5000 SIP for 20 Years
5000 SIP for 25 Years
10000 SIP for 2 Years
10000 SIP for 15 Years
10000 SIP for 25 Years
15000 SIP for 1 Year
15000 SIP for 2 Years
15000 SIP for 15 Years
15000 SIP for 20 Years
15000 SIP for 25 Years
16000 SIP for 5 Years
16000 SIP for 10 Years
16000 SIP for 15 Years
16000 SIP for 20 Years
16000 SIP for 25 Years
20000 SIP for 1 Year
20000 SIP for 2 Years
20000 SIP for 5 Years
20000 SIP for 15 Years
20000 SIP for 20 Years
20000 SIP for 25 Years
30000 SIP for 1 Year
30000 SIP for 2 Years
30000 SIP for 5 Years
30000 SIP for 10 Years
30000 SIP for 15 Years
30000 SIP for 20 Years
30000 SIP for 25 Years
50000 SIP for 1 Year
50000 SIP for 2 Years
50000 SIP for 10 Years
50000 SIP for 15 Years
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50000 SIP for 25 Years
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Step up SIP Calculator
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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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SIP Plan for 5 Years
SIP Plan for 5 Years

20 Aug 2025

Systematic Investment Plan (SIP) is one of the most efficient
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HDFC SIP प्लान्स
HDFC SIP प्लान्स

13 Aug 2025

HDFC SIP (सिस्टमैटिक
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Perpetual SIP
Perpetual SIP

01 Aug 2025

Wealth creation is a result of long-term investing. In a
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Difference Between SIP and Mutual Fund
Difference Between SIP and Mutual Fund

22 Jul 2025

For new investors, the terms SIP and mutual fund often create
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Star Union Dai-ichi SIP Plan
Star Union Dai-ichi SIP Plan

15 Jul 2025

Star Union Dai-ichi Life Insurance Co. Ltd. (SUD Life) offers a
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SIP Calculator
SIP Calculator
  • 10 Apr 2018
  • 1118636
An SIP is a disciplined way to invest in mutual funds. It involves contributing a fixed amount regularly
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Best SIP Plans
Best SIP Plans
  • 14 Feb 2020
  • 301873
Best SIP Plans to Invest in India in {{CURRENTYEAR}} Best SIP Plans include carefully selected mutual fund schemes
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SIP Investment Plans - SIP Funds to Invest in India
SIP Investment Plans - SIP Funds to Invest in India
  • 01 Feb 2017
  • 1132330
A Systematic Investment Plan (SIP) is a smart and convenient way to invest in mutual funds. It allows you to
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₹1000 SIP for 20 Years
₹1000 SIP for 20 Years
  • 08 Jan 2025
  • 13137
A ₹1000 SIP for 20 years is an easy and smart way to invest small amounts regularly. By investing ₹1000 every
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SIP Plan for 5 Years
SIP Plan for 5 Years
  • 20 Aug 2025
  • 12597
Systematic Investment Plan (SIP) is one of the most efficient and disciplined ways to invest in mutual funds. An
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