Sahara SIP Plan

Sahara India Life Insurance offers a range of investment products designed to help individuals plan and secure their financial future. Among its notable offerings is the Sahara SIP Plan, a structured and disciplined way to invest in insurance-linked investment schemes. SIP (Systematic Investment Plan) options like these combine the advantages of regular investments with the benefit of life insurance, allowing individuals to grow their wealth over time while ensuring financial protection.

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)

₹11,792

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 28.04 22.85 19.37 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,722

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.05 17.95 15.93 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,366

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.85 17.78 15.62 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹36,970

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.69 16.54 15.06 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹440

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.45 15.55 14.97 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,690

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.06 16.72 14.75 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,748

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.04 14.58 14.74 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹239

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.17 16.62 14.42 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,677

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.99 14.87 14.4 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹113

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.59 16.37 14.2 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,722

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.05 17.95 15.93 %

View Fund

Virtue II

AUM (Cr)

₹3,366

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.85 17.78 15.62 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹440

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.45 15.55 14.97 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,690

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.06 16.72 14.75 %

View Fund

Accelerator Fund

AUM (Cr)

₹239

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.17 16.62 14.42 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,677

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.99 14.87 14.4 %

View Fund

Future Apex Fund

AUM (Cr)

₹113

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.59 16.37 14.2 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,449

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.96 14.78 13.84 %

View Fund

Growth Super Fund

AUM (Cr)

₹13,086

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.12 14.31 13.61 %

View Fund

Super 20

AUM (Cr)

₹2,189

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.68 14.1 13.08 %

View Fund

High Growth Fund

AUM (Cr)

₹11,792

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 28.04 22.85 19.37 %

View Fund

Opportunities Fund

AUM (Cr)

₹36,970

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.69 16.54 15.06 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,748

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.04 14.58 14.74 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,302

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.13 22.76 21.05 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,037

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.13 16.25 15.15 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,897

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.45 15.46 13.83 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,553

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.27 15.31 13.34 %

View Fund

Flexi Cap

AUM (Cr)

₹1,143

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.93 15.03 13.23 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹541

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.81 13.82 11.95 %

View Fund

Asset Allocation

AUM (Cr)

₹269

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.14 11.19 11.17 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹826

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.86 7.61 7.58 %

View Fund

Debt Fund

AUM (Cr)

₹480

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.55 7.79 7.4 %

View Fund

Bond Fund

AUM (Cr)

₹121

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.97 7.08 7.14 %

View Fund

Steady Money Fund

AUM (Cr)

₹77

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.51 7.18 7.11 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹187

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.81 6.92 6.96 %

View Fund

Bond Fund

AUM (Cr)

₹18,375

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.41 7.1 6.93 %

View Fund

Debt Fund

AUM (Cr)

₹91

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.37 7.22 6.92 %

View Fund

Secure Fund

AUM (Cr)

₹1,031

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.76 7 6.82 %

View Fund

Bond Fund

AUM (Cr)

₹1,686

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.37 6.75 6.77 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹917

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.67 17.43 15.84 %

View Fund

Balanced Fund

AUM (Cr)

₹365

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.54 11.92 10.87 %

View Fund

Balanced Fund

AUM (Cr)

₹5,496

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.48 11.04 10.45 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹67

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.43 10.49 10.36 %

View Fund

Creator

AUM (Cr)

₹485

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.57 10.67 10.3 %

View Fund

Balanced Fund

AUM (Cr)

₹22,457

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.3 10.64 10.23 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹281

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.43 10.66 10.14 %

View Fund

Balancer II

AUM (Cr)

₹833

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.56 11 10.11 %

View Fund

Growth Fund

AUM (Cr)

₹7,453

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.2 10.75 10.03 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹1,935

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.16 10.72 9.85 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,295

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.4 15.02 13.82 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,238

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.81 14.65 13.62 %

View Fund

Pure Equity

AUM (Cr)

₹2,922

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.76 14.72 13.34 %

View Fund

List of Sahara SIP Plans

Fund Name	5 Year Returns
Sahara Life- Prima Fund	15.02%
Sahara Life- Smart Fund	10.30%
Sahara Life- Balance Fund	8.56%
Sahara Life- Growth Fund	13.26%
Sahara Life- Secured Fund	6.08%

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
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

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: August 2025

Compare more funds

Buying the Dip Results in Higher Returns

What is the Sahara SIP Plan?

The Sahara SIP Plan is a type of Unit-Linked Insurance Plan (ULIP) that enables policyholders to invest systematically in market-linked funds while enjoying the protection of a life insurance cover. It allows for monthly contributions, making it an affordable and convenient investment route, especially for salaried individuals or those with steady income streams.

The plan meets both wealth creation and protection goals by combining investment opportunities with insurance benefits. This dual advantage makes it suitable for long-term goals such as retirement, children's education, or buying a home.

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)

13.08%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.37%

High Growth Fund

13.34%

Opportunities Fund

21.05%

Multi Cap Fund

14.74%

Accelerator Mid-Cap Fund II

16.2%

Multiplier

14.75%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.27%

Equity II Fund

14.82%

US Equity Fund

15.15%

Growth Opportunities Plus Fund

11.95%

Equity Top 250 Fund

14.2%

Future Apex Fund

12.02%

Pension Dynamic Equity Fund

14.42%

Accelerator Fund

Key Features of Sahara SIP Plan

Systematic Investment: Small, regular investments help build a sizable corpus over time.
Life Insurance Cover: Provides financial security to dependents in case of the policyholder’s untimely demise.
Market-linked Returns: Investments are linked to the performance of chosen funds, offering potential for higher returns.
Tax Benefits: Eligible for tax deductions under Section 80C and tax-free maturity under Section 10(10D) of the Income Tax Act.
Flexibility: Option to choose from various fund types based on risk appetite.
Transparency: Clear information on NAV, charges, and fund performance.

Sahara SIP Plans Offered

Below is a table of the key SIP/ULIP plans offered by Sahara India Life Insurance:

Plan Name	Type	Premium Payment	Key Benefits
Sahara Utkarsh Jeevan Bima	ULIP	Monthly/Annually	Investment + Insurance + Tax benefits
Sahara Sugam Jeevan Bima	ULIP	Flexible	Market-linked returns, life cover
Sahara Dhan Sanchay Jeevan Bima	ULIP	Monthly/Quarterly	Long-term savings and protection
Sahara Nivesh Suraksha Plan	SIP (ULIP)	Monthly SIP	Systematic investment with life cover

Start An Sip Today Watch Your Money Grow

Why Choose the Sahara SIP Plan?

Affordability: Ideal for young investors or beginners looking to build wealth through manageable contributions.
Dual Advantage: Combines savings with insurance to ensure financial stability.
Long-Term Planning: Helps plan for key milestones like retirement, child's education, or wealth accumulation.
Risk-Adjusted Growth: Offers options from low-risk debt funds to high-growth equity funds.

How to Enrol in the Sahara SIP Plan?

Visit the nearest Sahara India Life Insurance branch or their official website.
Choose the preferred ULIP/SIP plan.
Submit required documents including age and identity proof.
Choose the premium amount, fund type, and policy term.
Complete the payment and receive the policy document.

Conclusion

The Sahara SIP Plan is an ideal choice for individuals looking to combine the discipline of SIP investments with the added benefit of insurance. It encourages a long-term savings habit while ensuring financial security. With options tailored to different risk appetites and life goals, Sahara's ULIP offerings present a practical and rewarding financial strategy.

FAQs

Can I switch between funds in a ULIP under the Sahara SIP Plan?

Yes, most ULIPs offer fund-switching options without any extra cost or with a limited number of free switches.
Is there any lock-in period for the Sahara SIP Plan?

Yes, ULIPs generally come with a 5-year lock-in period.
What happens if I miss a SIP payment?

Missing payments may result in a lapse of policy if premiums are not paid within the grace period.
Are returns from Sahara SIP Plans guaranteed?

No, returns are market-linked and vary based on the performance of the chosen funds.

Sahara SIP Plan

Best SIP Funds

List of Sahara SIP Plans

What is the Sahara SIP Plan?

SIP Calculator

Key Features of Sahara SIP Plan

Sahara SIP Plans Offered

Why Choose the Sahara SIP Plan?

How to Enrol in the Sahara SIP Plan?

Conclusion

FAQs

Can I switch between funds in a ULIP under the Sahara SIP Plan?

Is there any lock-in period for the Sahara SIP Plan?

What happens if I miss a SIP payment?

Are returns from Sahara SIP Plans guaranteed?

SIP plans articles

Explore the popular searches and stay informed