Download the Policybazaar app
to manage all your insurance needs.
ULIP Returns in 20 Years
Unit Linked Insurance Plans (ULIPs) have emerged as a popular investment choice among smart individuals seeking long-term wealth accumulation. ULIPs offer the dual advantage of life insurance coverage and the potential for market-linked returns, making them an attractive option for those seeking a diversified investment portfolio.
- 4.8~ Rated
- 7.7 Crore Registered Consumer
- 50 Partners Insurance Partners
- 4.2 Crore Policies Sold
ULIP Plans
- Plan starting from ₹1,000/month
- Save upto ₹46,800 in Tax under section 80C^
- Zero LTCG Tax¶
- In built life cover
We are rated~
7.7 Crore
Registered Consumer
50
Insurance Partners
4.2 Crore
Policies Sold
Top performing plans with High Returns**
Invest ₹10K/month & Get ₹1 Crore# on Maturity
-
Home
-
Life Insurance
-
Ulip Plans
-
Articles - UP
- ULIP Returns in 20 Years
Top ULIP Funds††
| ULIP Plans | Fund Size | NAV | Returns |
| HDFC Life Opportunities Fund | 31,393 Cr | ₹57.85 | 18.59% |
| ICICI Pru Multi Cap Balanced Fund | 2,037 Cr | ₹34.46 | 10.59% |
| TATA AIA Top 200 Fund | 1,259 Cr | ₹130.92 | 20.25% |
| TATA AIA Whole Life Mid Cap Equity Fund | 10,158 Cr | ₹112.98 | 21.46% |
Disclaimer: †† Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is done in alphabetical order (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
What is the 20 Years ULIP Policy?
A 20-year ULIP policy is a financial product that combines life insurance with investment opportunities. This policy provides life coverage for a duration of 20 years, ensuring financial protection for the policyholder's family. In the unfortunate event of the policyholder's demise within this period, the family receives a lump sum payout.
What sets the 20-year ULIP apart is its dual nature. Not only does it offer life coverage, but it also allows the policyholder to invest in different funds like equity, debt, or balanced funds. The premium paid towards the policy is split between these two components – life cover and investment. This unique feature provides investors with a dual benefit, addressing both protection and wealth creation.
Top ULIP Funds†
Fund Name
AUM
NAV
Returns (in %)
3 Year
5 Year
10 Year
High Growth Fund
Max Life
AUM:8,482 Cr
8,482 Cr
NAV
119.99
1.59%
Returns
23.95%
Whole Life Mid Cap Equity Fund
Tata AIA
AUM:13,435 Cr
13,435 Cr
NAV
158.69
2.49%
Returns
21.08%
Virtue II
PNB Metlife
AUM:3,532 Cr
3,532 Cr
NAV
77.53
1.12%
Returns
17.59%
Accelerator Mid-Cap Fund II
Bajaj Allianz
AUM:6,452 Cr
6,452 Cr
NAV
86.49
1.27%
Returns
17.79%
Opportunities Fund
HDFC Standard
AUM:40,966 Cr
40,966 Cr
NAV
78.44
1.16%
Returns
15.75%
Fund Name
AUM
NAV
Returns (in %)
3 Year
5 Year
10 Year
Whole Life Aggressive Growth Fund
Canara HSBC Oriental Bank
AUM:869 Cr
869 Cr
NAV
93.59
0.82%
Returns
16.11%
Whole Life Stable Growth Fund
Canara HSBC Oriental Bank
AUM:266 Cr
266 Cr
NAV
61.92
0.32%
Returns
12.53%
Balanced Fund
Canara HSBC Oriental Bank
AUM:380 Cr
380 Cr
NAV
48.06
0.34%
Returns
11.49%
Asset Allocation Fund II
Canara HSBC Oriental Bank
AUM:341 Cr
341 Cr
NAV
31.32
0.18%
Returns
9.45%
Save N Grow Money Fund
Canara HSBC Oriental Bank
AUM:68 Cr
68 Cr
NAV
58.7
0.37%
Returns
8.69%
Fund Name
AUM
NAV
Returns (in %)
3 Year
5 Year
10 Year
Builder
Canara HSBC Oriental Bank
AUM:243 Cr
243 Cr
NAV
89.55
0.06%
Returns
6.87%
Whole Life Income Fund
Canara HSBC Oriental Bank
AUM:802 Cr
802 Cr
NAV
38.31
0.03%
Returns
6.22%
Debt Fund
Canara HSBC Oriental Bank
AUM:482 Cr
482 Cr
NAV
36.29
0.04%
Returns
5.92%
Conservative Fund
Canara HSBC Oriental Bank
AUM:233 Cr
233 Cr
NAV
55.4
0.09%
Returns
7.01%
Protector
Canara HSBC Oriental Bank
AUM:307 Cr
307 Cr
NAV
64.22
0.06%
Returns
6.07%
Disclaimer :
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
How Does 20 Years ULIP Policy Work?
-
Shivam, a 30-year-old IT professional, decides to invest in a 20-year ULIP policy to secure his family's financial future.
-
He opts for a monthly premium of Rs. 5,000.
-
Shivam allocates 70% of his premium towards equity funds and 30% towards debt funds, reflecting his moderate risk appetite.
-
Over the 20 years, the equity funds perform well, while the debt funds provide stability.
Maturity Outcome:
-
At the end of the 20-year policy term, Shivam’s accumulated investment value has grown to Rs. 20 lakhs.
-
He chooses to receive the maturity benefit as a lump sum, providing him with a substantial financial cushion.
-
Shivam’s family is also protected by life insurance coverage throughout the 20-year policy term.
Why Should You Choose a 20-Year ULIP Policy?
If you're considering a long-term investment, a 20-year ULIP can be a strategic choice. Here's why:
-
Market-Linked Returns: ULIPs offer the advantage of market-linked equity and debt funds, potentially yielding higher returns compared to traditional low-risk savings.
-
Flexibility: Investors can choose and switch investment funds based on market trends, maximizing returns by responding to market fluctuations.
-
Partial Withdrawals: In financial emergencies, ULIPs allow policyholders to make partial withdrawals, providing liquidity for significant expenses like education or marriage without exiting the plan.
-
Tax Benefits: Enjoy tax deductions under Section 80C for the amount invested. Additionally, ULIP proceeds on surrender, partial withdrawal, or maturity are tax-exempt under Section 10(10D), with certain conditions.
-
Life Coverage: ULIPs provide life coverage, ensuring financial security for your loved ones in case of unforeseen events.
-
Long-Term Investment: Staying invested for 20 years allows for the compounding effect, potentially resulting in superior returns compared to shorter-term investments.
How are Return Rates Calculated on 20 Years ULIP Policy?
The return rates of a 20-year ULIP policy are determined by various factors, including the policyholder's age, sum assured, chosen premium amount, and selected investment funds. The premium is divided between life cover and investments, with returns depending on the performance of market-linked funds. This policy serves as a tool for long-term wealth accumulation and life coverage. Before choosing a plan, it's crucial to assess risk appetite and goals. Regularly review plan terms and consider enhancing coverage with riders for added protection.
Trending in ulip plan
FAQ's
-
Is it a good time to buy a ULIP?
Whether or not it is a good time to buy a ULIP depends on your individual circumstances and risk tolerance. ULIPs are a good investment option for those who have a long-term investment horizon and are comfortable with some risk. However, if you are not comfortable with risk, or if you need your money in the short term, then a ULIP may not be the best option for you. -
Which is better, SIP or ULIP?
SIPs and ULIPs are both investment options that allow you to invest regularly and achieve long-term financial goals. SIPs are a good option for those who want to invest a fixed amount of money on a regular basis, while ULIPs offer more flexibility in terms of investment options and fund allocation. The best option for you will depend on your individual circumstances and investment goals.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
^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.
+Returns Since Inception of LIC Growth Fund
¶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.
- SIP Calculator
- Income Tax Calculator
- Compound Interest Calculator
- NPS Calculator
- Show More Calculator
Investment Calculator
- One time
- Monthly
₹
/ Year
Sensex has given 10% return from 2010 - 2020
View plans
Ulip plans articles
Recent Articles
Popular Articles
14 Nov 2024
When investing in Unit-Linked Insurance Plans (ULIPs), it’s
19 Sep 2024
ULIPs offer a flexible feature known as partial withdrawal. This