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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  • Take the first step to ₹1 Crore

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Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹11,852

NAV

170.36

Estimated Value

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

+ 17.35 19.7 17.65 %

Instant tax receipt
AUM (Cr)

₹3,206

NAV

70

Estimated Value

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

+ 12.42 16.16 15.01 %

Instant tax receipt
AUM (Cr)

₹2,581

NAV

72.1

Estimated Value

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

+ 11.59 14.93 14.51 %

Instant tax receipt
AUM (Cr)

₹34,475

NAV

79.08

Estimated Value

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

+ 13.35 15.16 14.39 %

Instant tax receipt
AUM (Cr)

₹5,492

NAV

82.08

Estimated Value

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

+ 12.37 13.8 13.91 %

Instant tax receipt
AUM (Cr)

₹422

NAV

67.53

Estimated Value

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

+ 9.9 12.61 13.55 %

Instant tax receipt
AUM (Cr)

₹4,838

NAV

68.5

Estimated Value

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

+ 12.42 13.9 13.47 %

Instant tax receipt
AUM (Cr)

₹206

NAV

47.79

Estimated Value

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

+ 12.41 13.39 12.91 %

Instant tax receipt
AUM (Cr)

₹3,452

NAV

40.62

Estimated Value

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

+ 9.62 11.7 12.82 %

Instant tax receipt
AUM (Cr)

₹136

NAV

55.15

Estimated Value

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

+ 11.02 13.03 12.8 %

Instant tax receipt
AUM (Cr)

₹3,206

NAV

70

Estimated Value

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

+ 12.42 16.16 15.01 %

AUM (Cr)

₹2,581

NAV

72.1

Estimated Value

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

+ 11.59 14.93 14.51 %

AUM (Cr)

₹422

NAV

67.53

Estimated Value

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

+ 9.9 12.61 13.55 %

AUM (Cr)

₹4,838

NAV

68.5

Estimated Value

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

+ 12.42 13.9 13.47 %

AUM (Cr)

₹206

NAV

47.79

Estimated Value

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

+ 12.41 13.39 12.91 %

AUM (Cr)

₹3,452

NAV

40.62

Estimated Value

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

+ 9.62 11.7 12.82 %

AUM (Cr)

₹136

NAV

55.15

Estimated Value

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

+ 11.02 13.03 12.8 %

AUM (Cr)

₹3,154

NAV

68.79

Estimated Value

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

+ 10.45 12.82 12.78 %

AUM (Cr)

₹7,369

NAV

149.15

Estimated Value

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

+ 10.61 12.99 12.69 %

AUM (Cr)

₹760

NAV

29.03

Estimated Value

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

+ 10.56 12.38 11.35 %

AUM (Cr)

₹11,852

NAV

170.36

Estimated Value

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

+ 17.35 19.7 17.65 %

AUM (Cr)

₹34,475

NAV

79.08

Estimated Value

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

+ 13.35 15.16 14.39 %

AUM (Cr)

₹5,492

NAV

82.08

Estimated Value

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

+ 12.37 13.8 13.91 %

AUM (Cr)

₹10,579

NAV

65.54

Estimated Value

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

+ 21 20.61 22 %

AUM (Cr)

₹13,736

NAV

121.03

Estimated Value

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

+ 18.68 21.36 18.3 %

AUM (Cr)

₹1,042

NAV

74.1

Estimated Value

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

+ 12.03 14.16 14.47 %

AUM (Cr)

₹13,101

NAV

70.15

Estimated Value

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

+ 11.5 12.93 12.73 %

AUM (Cr)

₹3,457

NAV

59.76

Estimated Value

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

+ 13.3 12.8 12.6 %

AUM (Cr)

₹1,050

NAV

53.97

Estimated Value

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

+ 11.32 12.21 12.05 %

AUM (Cr)

₹498

NAV

56.5

Estimated Value

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

+ 9.2 10.98 10.91 %

AUM (Cr)

₹224

NAV

27.39

Estimated Value

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

+ 7.59 8.58 9.62 %

AUM (Cr)

₹847

NAV

41.27

Estimated Value

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

+ 5.74 6.75 7.31 %

AUM (Cr)

₹532

NAV

38.63

Estimated Value

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

+ 5.29 6.6 7 %

AUM (Cr)

₹131

NAV

30.34

Estimated Value

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

+ 5.89 6.56 6.88 %

AUM (Cr)

₹72

NAV

41.78

Estimated Value

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

+ 5.56 6.34 6.85 %

AUM (Cr)

₹91

NAV

39.39

Estimated Value

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

+ 5.3 6.33 6.63 %

AUM (Cr)

₹16,641

NAV

50.39

Estimated Value

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

+ 5.34 6.16 6.62 %

AUM (Cr)

₹1,080

NAV

47.17

Estimated Value

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

+ 5.75 6.2 6.59 %

AUM (Cr)

₹166

NAV

47.35

Estimated Value

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

+ 4.75 5.77 6.58 %

AUM (Cr)

₹1,623

NAV

44.07

Estimated Value

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

+ 5.39 5.87 6.46 %

AUM (Cr)

₹896

NAV

101.55

Estimated Value

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

+ 13.75 15.6 14.92 %

AUM (Cr)

₹348

NAV

47.72

Estimated Value

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

+ 8.81 9.84 9.95 %

AUM (Cr)

₹62

NAV

60.35

Estimated Value

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

+ 7.68 8.63 9.62 %

AUM (Cr)

₹4,753

NAV

39.5

Estimated Value

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

+ 7.58 8.82 9.53 %

AUM (Cr)

₹438

NAV

102.48

Estimated Value

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

+ 7.38 8.61 9.39 %

AUM (Cr)

₹765

NAV

39.15

Estimated Value

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

+ 8.15 9.05 9.24 %

AUM (Cr)

₹20,171

NAV

71.6

Estimated Value

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

+ 6.97 8.44 9.2 %

AUM (Cr)

₹6,428

NAV

107.79

Estimated Value

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

+ 7.41 8.67 9.11 %

AUM (Cr)

₹1,682

NAV

43.42

Estimated Value

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

+ 8.67 9.02 8.99 %

AUM (Cr)

₹260

NAV

30.67

Estimated Value

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

+ 7.39 8.71 8.87 %

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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.​

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
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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
11.83%
Equity Pension
Opportunities Fund
14.39%
Opportunities Fund
High Growth Fund
18.3%
High Growth Fund
Opportunities Fund
12.6%
Opportunities Fund
Multi Cap Fund
22%
Multi Cap Fund
Accelerator Mid-Cap Fund II
13.91%
Accelerator Mid-Cap Fund II
Multiplier
15.87%
Multiplier
Frontline Equity Fund
13.47%
Frontline Equity Fund
Virtue II
15.01%
Virtue II
Growth Plus Fund
9.89%
Growth Plus Fund
Blue-Chip Equity Fund
9.43%
Blue-Chip Equity Fund
Growth Opportunities Plus Fund
14.47%
Growth Opportunities Plus Fund
Equity Top 250 Fund
10.91%
Equity Top 250 Fund
Future Apex Fund
12.8%
Future Apex Fund
Pension Dynamic Equity Fund
10.32%
Pension Dynamic Equity Fund
Accelerator Fund
12.91%
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.

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.

SIP Hub
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Invest ₹10K/Month & Get ₹1 Crore# Tax-Free*
*under 10(10D)

˜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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