Bajaj Allianz ULIP Plan Calculator

In order to start with Bajaj ULIP, the investor needs to pay a premium or a lump sum payment on a monthly, quarterly, half-yearly, or annual basis. Then, the investor, as per his contribution to the premium amount, is assigned units that could be liquidated at the expiry or maturity of the policy.

However, before making an investment in the ULIP plan, it is critical for an investor to ensure whether the plan is appropriate as per the financial requirement. Handy online tools known as Bajaj ULIP calculators can give a basic idea about the returns on the investment. The investor may calculate the returns by entering the expected percentage of returns along with the premium amount he is liable to pay.

How Does Bajaj Allianz ULIP Calculator Work?

An investor must conduct a comprehensive analysis of an investment plan before making an investment. Bajaj Allianz ULIP calculator provides the means to get a fair idea to estimate the returns that one may accumulate from the ULIP investment. Hence, the investor may calculate or estimate the corpus they may be based on their inputs. 

Let us understand the details an investor needs to provide in order to get the expected returns a ULIP plan may provide.

Bajaj Allianz ULIP Calculator for Returns 

1. Period of Premium Payment

   An investor may fill in the frequency or the time period he is willing to allocate the premium amount. The amount can be paid on a monthly, quarterly, half-yearly, and annual basis. The policyholder may select any of them to calculate the returns. However, the policyholder must remember that one portion of the amount covers the life insurance policy. At the same time, the remaining funds are required to invest in the money market by the investor. The investor may choose any market and can invest accordingly. Nevertheless, the investor must allocate the portion of the premium he is willing to invest in the capital market and insurance policy.

2. Premium Amount

   In the next step, the investor is required to fill in the premium amount he is willing to pay for the ULIP plan. 

3. Type of Fund

   The investor must provide the details of the type of fund he is willing to get his premium invested in. For example, if he has a high-risk appetite, he may select the equity fund to invest the portion of the ULIP premium amount. In addition, if he wishes to reduce the risk, he may invest in a debt fund that is a low-risk associated fund, and provide reasonable returns. Finally, if he deems fit, the investor may also proceed with a hybrid form of a fund associated with low to medium risk and provide considerable returns.

   

4. Rate of Returns

   In this step, the policyholder may provide the expected return to calculate the total returns on the investment. 

5. Investment Duration

   Lastly, a policyholder may provide the duration he wishes to stay invested.

Top ULIP Funds^†

Returns 3 Years 5 Years 10 Years

Equity (Large, Mid Cap) Balanced Debt

Fund Name

AUM

NAV

Returns (in %)

3 Year

5 Year

10 Year

High Growth Fund

Max Life

AUM:8,243 Cr

8,243 Cr

NAV

120.7

-0.87%

Returns

27.73%

Returns

31.47%

Highest Returns

Returns

19.3%

Get Details

Virtue II

PNB Metlife

AUM:3,314 Cr

3,314 Cr

NAV

75.97

-0.30%

Returns

18.68%

Returns

25.83%

Highest Returns

Returns

16.48%

Get Details

Accelerator Mid-Cap Fund II

Bajaj Allianz

AUM:6,109 Cr

6,109 Cr

NAV

86.97

-0.35%

Returns

20.48%

Returns

22.28%

Highest Returns

Returns

15.61%

Get Details

Opportunities Fund

HDFC Standard

AUM:38,633 Cr

38,633 Cr

NAV

78.45

-0.37%

Returns

18.47%

Returns

22.64%

Highest Returns

Returns

15.48%

Get Details

Pure Equity

Birla Sun Life

AUM:2,845 Cr

2,845 Cr

NAV

77.4

-0.20%

Returns

17.56%

Returns

21.84%

Highest Returns

Returns

15.07%

Get Details

Fund Name

AUM

NAV

Returns (in %)

3 Year

5 Year

10 Year

Whole Life Aggressive Growth Fund

Canara HSBC Oriental Bank

AUM:843 Cr

843 Cr

NAV

94.39

-0.70%

Returns

18.46%

Returns

19.93%

Highest Returns

Returns

14.91%

Get Details

Whole Life Stable Growth Fund

Canara HSBC Oriental Bank

AUM:268 Cr

268 Cr

NAV

62.47

-0.30%

Returns

13.78%

Returns

15.46%

Highest Returns

Returns

12.08%

Get Details

Balanced Fund

Canara HSBC Oriental Bank

AUM:365 Cr

365 Cr

NAV

48.01

-0.28%

Returns

12.75%

Returns

13.61%

Highest Returns

Returns

11.02%

Get Details

Balanced Pension

Canara HSBC Oriental Bank

AUM:559 Cr

559 Cr

NAV

71.06

-0.30%

Returns

10.22%

Returns

12.32%

Highest Returns

Returns

10.7%

Get Details

Asset Allocation Fund II

Canara HSBC Oriental Bank

AUM:323 Cr

323 Cr

NAV

31.58

-0.24%

Returns

11.26%

Returns

12.8%

Highest Returns

Returns

10.63%

Get Details

Fund Name

AUM

NAV

Returns (in %)

3 Year

5 Year

10 Year

Builder

Canara HSBC Oriental Bank

AUM:237 Cr

237 Cr

NAV

90.36

-0.35%

Returns

7.45%

Returns

8.21%

Returns

8.45%

Highest Returns

Get Details

Whole Life Income Fund

Canara HSBC Oriental Bank

AUM:811 Cr

811 Cr

NAV

38.64

-0.01%

Returns

6.16%

Returns

6.99%

Returns

7.84%

Highest Returns

Get Details

Debt Fund

Canara HSBC Oriental Bank

AUM:478 Cr

478 Cr

NAV

36.64

-0.02%

Returns

5.89%

Returns

7.02%

Returns

7.63%

Highest Returns

Get Details

Conservative Fund

Canara HSBC Oriental Bank

AUM:231 Cr

231 Cr

NAV

56.2

-0.10%

Returns

7.46%

Returns

8.1%

Highest Returns

Returns

7.56%

Get Details

Protector

Canara HSBC Oriental Bank

AUM:299 Cr

299 Cr

NAV

64.86

-0.16%

Returns

6.49%

Returns

7.03%

Returns

7.54%

Highest Returns

Get Details

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

Check out our other calculators: SIP Calculator

Bajaj Allianz ULIP Calculator for Premium

Sometimes, a policyholder may wish to calculate the premium amount on the given target he needs to achieve in a stipulated period. With the Bajaj Allianz ULIP calculator, an investor may also calculate the premium amount he must pay annually to achieve the targeted corpus. Let us understand it step-by-step.

1. Achievable Amount

   In the first step, an investor is required to enter the amount or corpus he wishes to achieve in a long-run investment. The corpus may vary from INR one lakh to INR 100 crore value. Hence, per the financial requirement, the policyholder may enter the amount.

2. Time Period

   In the second step, the policyholder needs to enter the duration he wishes his funds to be invested. The time duration may vary from 10 to 60 years.

3. Division of Investment

   As stated earlier, ULIP provides dual benefits in a single premium amount. Hence, the investor is required to divide the premium and allocate it as per his needs or convenience. 

4. Expected Returns

   The policyholder needs to provide the expected returns he anticipates from the ULIP plan. In the case of the risk-free instrument, the rate of returns varies from one to nine percent. However, in the market-linked instrument, the rate of returns varies from one to fifteen percent.

People Also Read: Bajaj Allianz Life Midcap Index Fund NFO

Benefits of Bajaj Allianz ULIP Calculator

• The Bajaj Allianz ULIP calculator is user-friendly since a policyholder is not required to go through any special instructions to use the calculator.

• The calculator does not charge any amount and is free to use. In addition, the user is not mandated to proceed with the investment using the calculator.

• The investor may make the investment decision after getting a clear idea using the calculator. One is only required to provide the necessary details to see the result.

Conclusion

Bajaj Allianz ULIP calculator is a user-friendly tool that is accessible to every investor. It allows the investor to estimate the expected returns from the investment. Further, the investor may draw several comparisons between ULIP plans using the ULIP calculator. Bajaj Allianz ULIP calculator shows the precise result to the investor. The investor may conveniently use the calculator online.

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