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

High Growth Fund

AUM (Cr)

₹9,928

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 27.23 22.19 18.4 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,248

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.23 17.63 15.14 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,675

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.82 17.74 14.98 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹37,289

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.19 15.94 14.81 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,652

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.63 13.87 14.76 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,581

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.81 14.5 14.4 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,348

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.87 16.06 14.22 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹440

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.64 14.81 13.99 %

View Fund

Instant tax receipt

Pure Stock Fund

AUM (Cr)

₹7,189

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.41 14.61 13.53 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹236

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.1 16.12 13.52 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,248

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.23 17.63 15.14 %

View Fund

Large Cap Equity Fund

AUM (Cr)

₹2,675

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.82 17.74 14.98 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,581

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.81 14.5 14.4 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,348

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.87 16.06 14.22 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹440

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.64 14.81 13.99 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,189

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.41 14.61 13.53 %

View Fund

Accelerator Fund

AUM (Cr)

₹236

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.1 16.12 13.52 %

View Fund

Future Apex Fund

AUM (Cr)

₹101

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.92 16.33 13.49 %

View Fund

Pure Equity

AUM (Cr)

₹2,883

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.18 14.29 13.24 %

View Fund

Growth Super Fund

AUM (Cr)

₹13,357

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.22 14.26 12.91 %

View Fund

High Growth Fund

AUM (Cr)

₹9,928

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 27.23 22.19 18.4 %

View Fund

Opportunities Fund

AUM (Cr)

₹37,289

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.19 15.94 14.81 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,652

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.63 13.87 14.76 %

View Fund

Top 200 Fund

AUM (Cr)

₹2,323

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 30.96 22.84 17.46 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹986

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.07 15.89 14.6 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,638

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.64 14.56 13.08 %

View Fund

Pension Opportunities Fund

AUM (Cr)

₹155

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.04 14.48 12.61 %

View Fund

Flexi Cap

AUM (Cr)

₹1,183

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.89 14.04 12.37 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹539

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.96 13.09 11.66 %

View Fund

Builder

AUM (Cr)

₹222

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.45 8.64 8.57 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹866

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.18 8.02 7.93 %

View Fund

Debt Fund

AUM (Cr)

₹501

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.05 8.02 7.72 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹136

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.69 7.58 7.54 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹210

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.19 7.51 7.42 %

View Fund

Steady Money Fund

AUM (Cr)

₹75

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.54 7.35 7.36 %

View Fund

Debt Fund

AUM (Cr)

₹96

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.65 7.51 7.3 %

View Fund

Income Fund

AUM (Cr)

₹8,009

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.3 7.16 7.27 %

View Fund

Bond Fund

AUM (Cr)

₹139

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.05 7.07 7.25 %

View Fund

Bond Fund

AUM (Cr)

₹19,982

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.72 7.34 7.23 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹878

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.73 17.14 15.41 %

View Fund

Balanced Fund

AUM (Cr)

₹369

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.96 11.76 10.75 %

View Fund

Creator

AUM (Cr)

₹501

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.54 10.66 10.06 %

View Fund

Balanced Fund

AUM (Cr)

₹5,893

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.28 10.78 10.06 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹65

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.92 10.24 10.01 %

View Fund

Balancer II

AUM (Cr)

₹858

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.11 10.73 9.89 %

View Fund

Growth Fund

AUM (Cr)

₹7,999

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.61 10.89 9.86 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹295

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.93 10.15 9.8 %

View Fund

Stable Fund

AUM (Cr)

₹19

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.52 10.51 9.59 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹2,021

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.19 10.14 9.58 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,317

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.34 14.13 13.26 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,420

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19 14.19 13.18 %

View Fund

Pure Equity

AUM (Cr)

₹2,995

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.54 14.31 12.85 %

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
High Growth Fund Max Life Rating	27.23%	22.19%	18.4% View Plan
Top 200 Fund Tata AIA Rating	30.96%	22.84%	17.46% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	23.63%	13.87%	14.76% View Plan
Opportunities Fund HDFC Standard Rating	25.19%	15.94%	14.81% View Plan
Equity II Fund Canara HSBC Oriental Bank Rating	19.43%	11.22%	10.39% View Plan
Growth Opportunities Plus Fund Bharti AXA Rating	23.07%	15.89%	14.6% View Plan
Multiplier Birla Sun Life Rating	26.07%	15.44%	15.6% View Plan
Pension Opportunities Fund ICICI Prudential Rating	23.04%	14.48%	12.61% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	24.23%	17.63%	15.14% View Plan

Fund rating powered by

Last updated: Jun 2025

Compare more funds

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: June 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 ₹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)

18.4%

High Growth Fund

17.46%

Top 200 Fund

14.76%

Accelerator Mid-Cap Fund II

14.81%

Opportunities Fund

10.39%

Equity II Fund

13.52%

Accelerator Fund

14.6%

Growth Opportunities Plus Fund

15.6%

Multiplier

11.66%

Equity Top 250 Fund

13.49%

Future Apex Fund

12.61%

Pension Opportunities Fund

14.22%

Frontline Equity Fund

15.14%

Virtue II

11.01%

Pension Dynamic Equity Fund

11.94%

Equity Fund

10.29%

Blue-Chip Equity 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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