ULIP Calculator

What is ULIP Calculator?

A ULIP plan calculator is an online tool that helps investors calculate their premium payments and expected returns based on their investment horizon, risk, and financial goals. The ULIP calculator free takes into account various factors, such as the amount you wish to invest, investment horizon, how long you want to stay invested for, and expected rate of return, to provide an estimate of the maturity value of the plan.

These Unit Linked Insurance Plan calculators are handy tools for investors to evaluate and compare different ULIP plans. They allow individuals to assess how their investment will grow over time, taking into account market fluctuations and the underlying performance of the chosen investment funds.

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

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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

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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

Why Use ULIP Calculator?

Using a ULIP calculator, which is essentially an SIP calculator. It is also considered an SIP because in SIPs, investors regularly invest a fixed amount of money at predetermined intervals into ULIP plans.

There are several reasons to use the calculator, Here are some reasons why you should consider using a ULIP plan calculator:

• Financial Planning: A ULIP calculator helps in effective financial planning by allowing you to evaluate different investment scenarios. You can input various investment amounts, tenures, and expected rates of return to assess the potential maturity amount and make informed decisions based on your financial goals.

• Goal Setting: By using a Unit Linked Insurance Plan calculator, you can set realistic financial goals and understand the required investment amount to achieve them. Whether it's planning for your child's education, purchasing a house, or retirement planning, the ULIP plan calculator can assist in estimating the investment needed to reach those goals.

• Investment Comparison: A ULIP calculator free lets you compare the potential returns of different ULIP plans offered by various insurance providers. By inputting the same investment parameters, you can evaluate and choose the plan that offers the best potential growth and aligns with your risk appetite.

• Risk Assessment: ULIP calculators help in assessing the risk associated with various investment options. By adjusting the expected rate of return, you can evaluate the impact of market fluctuations on your investment. This allows you to make an informed decision based on your risk tolerance and investment objectives.

• Flexibility Analysis: ULIP plan calculators allow you to explore the flexibility ULIP plans offer. You can assess the impact of switching between different funds and evaluate the potential returns based on historical performance data. This helps in understanding the potential benefits of fund switching and optimizing your investment strategy.

• Investment Monitoring: Once you have invested in a ULIP, the Unit Linked Insurance Plan calculator can be a monitoring tool. You can periodically input the actual returns earned to track the progress of your investment and make adjustments if necessary.

By utilizing a ULIP calculator, such as the SIP calculator designed specifically for ULIPs, you can gain a better understanding of the potential returns, growth, and risk associated with your ULIP investments.

What are the Features of ULIP Calculator?

Let’s take a look at some of the salient features of the ULIP calculator:

• Transparency: Transparency is the key feature of ULIP calculator. The ULIP calculator offers transparent and comprehensive details of funds, so that the investors can calculate the exact value of returns they can get on their investment.

• Flexibility: The ULIP plan calculators are flexible in nature as the investor can change the variable according to the amount they want to invest in and according to the tenure of the policy.

• Control: ULIP calculator free provides full control to the policyholder. The investors can easily calculate the premium and check the return on investment with the help of the ULIP calculator.

• Goal-Based Planning: ULIP calculator helps the investors to make goal-based planning by analyzing which fund option will be best for investment and on basis of what aspects one can gain the maximum returns on.

What are the Benefits of ULIP Calculator?

Online ULIP calculator free offers numerous benefits to its investors; let’s take a look at some of the benefits of using a ULIP calculator.

• Accurate Financial Projection: The Unit Linked Insurance Plan calculator provides accurate projections of the potential returns on investment based on different premium amounts and investment durations. It helps individuals set realistic financial goals and plan their investments accordingly.

• Informed Investment Choices: By inputting various parameters like age, risk appetite, and financial goals, the ULIP plan calculator suggests suitable investment strategies. This ensures that investors make well-informed choices aligned with their specific requirements.

• Customize Plans: ULIP calculators allow users to customize their investment plans based on their preferences. They can adjust the sum assured, premium frequency, and investment allocation to create a plan that best suits their needs.

• Risk Analysis: Understanding the risk involved in a financial product is crucial. A ULIP calculator helps in assessing the risk component of the investment, empowering investors to strike a balance between potential returns and risk tolerance.

• Transparency: With a ULIP calculator, investors can get a clear picture of the charges and fees associated with the ULIP policy. This transparency ensures that there are no hidden costs, and investors can make informed choices.

  

• Comparison Tool: The Unit Linked Insurance Plan calculator can be used to compare different ULIP plans offered by various insurance companies. It assists in finding the most suitable plan with the desired features and benefits.

• Time-Saving: Calculating potential returns and analyzing investment options manually can be time-consuming. The ULIP plan calculator simplifies the process, providing quick results with just a few clicks.

• Goal-based Planning: ULIP calculator free help investors align their investments with specific financial goals, such as education, retirement, or buying a house. This goal-based approach enhances financial discipline and makes it easier to achieve objectives.

• Ease of Use: ULIP calculators are designed to be user-friendly, making them accessible to both experienced and novice investors. They require minimal financial knowledge to operate effectively.

How to Calculate ULIP Investment Returns Online Policybazaar’s ULIP Calculator 2024?

To use Policybazaar's ULIP plan calculator:

Step 1: Go to Policybazaar's website and navigate to the ULIP calculator page.

Step 2: Provide information about your investment tenure and the amount you want to invest and the expected rate of return.

Step 3: The ULIP calculator free will then calculate and display the projected returns based on your inputs.

Step 4: You can adjust the parameters to see how it affects the projected returns.

Step 5: Compare different ULIP plans available on the website to make an informed decision.

Step 6: Once you are satisfied with the results, you can proceed to buy the chosen ULIP plan through Policybazaar's platform.

**Remember that ULIPs are subject to market risks, and it is essential to read the policy details carefully before making any investment decisions.

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