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.

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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

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

₹11,620

NAV

158.91

Estimated Value

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

+ 17.46 19.16 17.92 %

Instant tax receipt
AUM (Cr)

₹2,687

NAV

71.93

Estimated Value

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

+ 13.65 15.7 15.67 %

Instant tax receipt
AUM (Cr)

₹3,237

NAV

67.45

Estimated Value

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

+ 13.38 15.98 15.18 %

Instant tax receipt
AUM (Cr)

₹446

NAV

67.13

Estimated Value

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

+ 11.41 13.44 14.71 %

Instant tax receipt
AUM (Cr)

₹35,377

NAV

75.22

Estimated Value

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

+ 13.94 14.79 14.59 %

Instant tax receipt
AUM (Cr)

₹4,837

NAV

67.66

Estimated Value

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

+ 13.58 14.44 14.48 %

Instant tax receipt
AUM (Cr)

₹5,458

NAV

78.79

Estimated Value

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

+ 13.58 13.11 14.29 %

Instant tax receipt
AUM (Cr)

₹219

NAV

47.45

Estimated Value

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

+ 14.06 14.06 14.07 %

Instant tax receipt
AUM (Cr)

₹3,598

NAV

40.59

Estimated Value

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

+ 11.28 12.65 13.75 %

Instant tax receipt
AUM (Cr)

₹130

NAV

54.6

Estimated Value

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

+ 12.51 13.68 13.73 %

Instant tax receipt
AUM (Cr)

₹2,687

NAV

71.93

Estimated Value

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

+ 13.65 15.7 15.67 %

AUM (Cr)

₹3,237

NAV

67.45

Estimated Value

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

+ 13.38 15.98 15.18 %

AUM (Cr)

₹446

NAV

67.13

Estimated Value

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

+ 11.41 13.44 14.71 %

AUM (Cr)

₹4,837

NAV

67.66

Estimated Value

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

+ 13.58 14.44 14.48 %

AUM (Cr)

₹219

NAV

47.45

Estimated Value

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

+ 14.06 14.06 14.07 %

AUM (Cr)

₹3,598

NAV

40.59

Estimated Value

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

+ 11.28 12.65 13.75 %

AUM (Cr)

₹130

NAV

54.6

Estimated Value

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

+ 12.51 13.68 13.73 %

AUM (Cr)

₹965

NAV

43.61

Estimated Value

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

+ 10.94 12.3 12.8 %

AUM (Cr)

₹808

NAV

28.34

Estimated Value

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

+ 11.55 12.79 12.24 %

AUM (Cr)

₹1,227

NAV

120.97

Estimated Value

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

+ 10.54 10.94 11.96 %

AUM (Cr)

₹11,620

NAV

158.91

Estimated Value

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

+ 17.46 19.16 17.92 %

AUM (Cr)

₹35,377

NAV

75.22

Estimated Value

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

+ 13.94 14.79 14.59 %

AUM (Cr)

₹5,458

NAV

78.79

Estimated Value

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

+ 13.58 13.11 14.29 %

AUM (Cr)

₹9,938

NAV

62.69

Estimated Value

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

+ 21 20.56 22 %

AUM (Cr)

₹12,572

NAV

113.1

Estimated Value

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

+ 19.4 20.98 18.83 %

AUM (Cr)

₹1,051

NAV

72.04

Estimated Value

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

+ 12.98 14.55 15.24 %

AUM (Cr)

₹13,553

NAV

68.79

Estimated Value

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

+ 12.48 13.48 13.66 %

AUM (Cr)

₹1,125

NAV

54.14

Estimated Value

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

+ 13.34 13.08 13.19 %

AUM (Cr)

₹3,551

NAV

58.57

Estimated Value

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

+ 12.95 13.02 12.98 %

AUM (Cr)

₹526

NAV

55.63

Estimated Value

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

+ 10.33 11.52 11.67 %

AUM (Cr)

₹242

NAV

27.34

Estimated Value

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

+ 8.34 9.43 10.5 %

AUM (Cr)

₹823

NAV

41.29

Estimated Value

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

+ 5.76 7.06 7.31 %

AUM (Cr)

₹499

NAV

38.65

Estimated Value

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

+ 5.33 7.02 7.03 %

AUM (Cr)

₹117

NAV

30.33

Estimated Value

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

+ 6.03 6.67 6.93 %

AUM (Cr)

₹171

NAV

35.28

Estimated Value

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

+ 5.32 6.59 6.88 %

AUM (Cr)

₹77

NAV

41.72

Estimated Value

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

+ 5.54 6.62 6.86 %

AUM (Cr)

₹16,781

NAV

50.49

Estimated Value

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

+ 5.39 6.47 6.65 %

AUM (Cr)

₹172

NAV

47.37

Estimated Value

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

+ 4.74 6.2 6.63 %

AUM (Cr)

₹1,013

NAV

47.21

Estimated Value

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

+ 5.79 6.47 6.62 %

AUM (Cr)

₹93

NAV

39.39

Estimated Value

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

+ 5.33 6.66 6.6 %

AUM (Cr)

₹904

NAV

99.27

Estimated Value

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

+ 14.53 15.81 15.56 %

AUM (Cr)

₹354

NAV

47.45

Estimated Value

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

+ 9.46 10.33 10.55 %

AUM (Cr)

₹5,072

NAV

39.39

Estimated Value

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

+ 8.53 9.39 10.2 %

AUM (Cr)

₹62

NAV

60.22

Estimated Value

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

+ 8.29 9.15 10.11 %

AUM (Cr)

₹460

NAV

102.14

Estimated Value

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

+ 8.23 9.24 10.04 %

AUM (Cr)

₹21,160

NAV

71.81

Estimated Value

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

+ 7.88 9.11 9.84 %

AUM (Cr)

₹807

NAV

39.18

Estimated Value

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

+ 9.13 9.63 9.82 %

AUM (Cr)

₹6,860

NAV

107.89

Estimated Value

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

+ 8.3 9.27 9.74 %

AUM (Cr)

₹272

NAV

30.73

Estimated Value

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

+ 8.52 9.02 9.65 %

AUM (Cr)

₹1,775

NAV

42.7

Estimated Value

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

+ 9.18 9.34 9.5 %

View More

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
Returns
Fund Name 5 Years 7 Years 10 Years
Equity Fund SBI Life
Rating
10.11% 11.04%
11.86%
View Plan
Opportunities Fund HDFC Life
Rating
13.94% 14.79%
14.59%
View Plan
High Growth Fund Axis Max Life
Rating
19.4% 20.98%
18.83%
View Plan
Opportunities Fund ICICI Prudential Life
Rating
12.95% 13.02%
12.98%
View Plan
Multi Cap Fund Tata AIA Life
Rating
21% 20.56%
22%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
13.58% 13.11%
14.29%
View Plan
Multiplier Birla Sun Life
Rating
16.15% 15.09%
15.92%
View Plan
Virtue II PNB MetLife
Rating
13.38% 15.98%
15.18%
View Plan
Equity II Fund Canara HSBC Life
Rating
9.93% 9.63%
10.9%
View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life
Rating
8.76% 9.48%
10.64%
View Plan
Fund rating powered by
Last updated: Mar 2026
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 ₹1,570.41 Crs 31.62% N/A N/A ₹500 31.4%
Bandhan Small Cap Fund Regular-Growth ₹20,129.67 Crs 28.87% 21.52% N/A ₹1,000 27.52%
Motilal Oswal Midcap Fund Regular-Growth ₹31,046.66 Crs 22.02% 22.29% 16.67% ₹500 19.82%
ICICI Prudential Infrastructure Fund-Growth ₹7,553.54 Crs 22.73% 25.19% 18.29% ₹5,000 15.33%
Canara Robeco Large Cap Fund Regular-Growth ₹17,103.62 Crs 12.88% 10.78% 13.82% ₹100 12.05%
Mirae Asset Large Cap Fund Direct-Growth ₹35,342.63 Crs 12.2% 11.21% 14.45% ₹5,000 15.06%
Kotak Midcap Fund Regular-Growth ₹55,675.98 Crs 20.38% 17.32% 17.81% ₹100 14.47%
SBI Small Cap Fund-Growth ₹32,285.56 Crs 12.78% 13.91% 17.28% ₹5,000 18.07%
SBI Gold ETF ₹23,579.47 Crs 33.17% 25.1% 16.47% ₹5,000 13.55%

Updated as of Mar 2026

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Buying the Dip Results in Higher ReturnsBuying 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 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
  • 2
  • 3
  • 4
  • 6
  • 7
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
12.75%
Equity Pension
Opportunities Fund
14.59%
Opportunities Fund
High Growth Fund
18.83%
High Growth Fund
Opportunities Fund
12.98%
Opportunities Fund
Multi Cap Fund
22%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.29%
Accelerator Mid-Cap Fund II
Multiplier
15.92%
Multiplier
Frontline Equity Fund
14.48%
Frontline Equity Fund
Virtue II
15.18%
Virtue II
Equity II Fund
10.9%
Equity II Fund
Blue-Chip Equity Fund
10.64%
Blue-Chip Equity Fund
Growth Opportunities Plus Fund
15.24%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.67%
Equity Top 250 Fund
Future Apex Fund
13.73%
Future Apex Fund
Pension Dynamic Equity Fund
11.6%
Pension Dynamic Equity Fund
Accelerator Fund
14.07%
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 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.

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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