ULIP Calculator - Calculate ULIP Investment Returns Online
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In ULIP, the investment risk in the investment portfolio is borne by the policyholder

Investment Calculator

Investment Amount (Monthly)

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₹ 1 k
₹ 1 Cr

Investment Tenure (Years)

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Year
30 Years

Interest Rate (P.A.)

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15 %

Sensex has given 10% return from 2010 - 2020

Existing Investment (optional)

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₹ 0
₹ 1 Cr

Periodic Investment (optional)

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₹ 0
₹ 1 Cr

You may get
₹ 

If you invest ₹   

for   Years at  % p.a.

Invest Now

How to use the Unit Linked Insurance Plan (ULIP) Calculator?

Calculate the amount of income tax you can save on your insurance policies.

Step 1

Calculate the amount of income tax you can save on your insurance policies.

Step 2

With a ULIP calculator, you can also check how much you need to invest in an ULIP-linked policy. Enter your details correctly to obtain an accurate result.

Step 3

Click 'Calculate' to check your result. You can use the calculator again to view different results with varied amounts.

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Frequently Asked Questions

An online ULIP calculator saves you a lot of time, making it easier and flexible to access at any time. The ULIP calculator is more profitable with its easily available tools for online purchases, along with making a quick comparison.

You’ll find two different ways to check your ULIP returns:

  • Absolute returns: This is the percentage increase in the total value of the ULIP. The total value is measured once expenses like operating fees and management charges are deducted.

Absolute returns = [(Current value - Value at the time of purchase)/Value at the time of purchase] x 100

  • CAGR (Compound Annual Growth Rate): The CAGR method helps in evaluating the annual growth of your investment during a specific period. This, in turn, assist you to determine the rate of return you can receive from your plan year after year.

CAGR = {[(Current value/Value at the time of purchase) ^ (1/number of years)]-1} x 100

ULIP is a long-term investment game. You can exit from ULIP after 5 years; though, it is not advisable even after lock-in period ends. To gain the benefits, you should continue and stay invested for a long period of 15-20 years. If you think that the funds are not performing well, you can switch your funds. You can always cross-examine the returns with the aid of an ULIP maturity amount calculator.

Financial experts’ advice, that you should stay invested in the ULIP policy for at least 10 years, and reap an annual return of 10-12%, even if your ULIP plan is an average one. This makes ULIPs an ideal investment when it comes to long-term investing. When you invest for a longer tenure like 10 years, any short-term market losses can be absorbed by this policy. This eventually, brings and produces higher returns in the long run which you can examine via a ULIP return calculator.

You can choose to pay either for a limited period or regularly. For the Limited Pay option, the premium payment term is limited to 5, 7, and 10 years. For the Regular Pay option, the premium payment term is the same as the policy term. In addition, for the Whole Life option, you can only choose to pay for a limited period of 7, 10, and 15 years.

ULIP Net Asset Value (NAV) is calculated by adding up the total ULIP fund holdings on a particular date or else on all the passable expenses (operating cost, management fees, marketing, and other charges and expenses). The net amount will be divided by the number of units held in the ULIP plan to arrive at a net asset value (NAV) per unit.

Disclaimers-

You may avail of tax benefits under Section 80C and Section 10(10D) of Income Tax Act, 1961 subject to conditions as specified in those sections. Tax benefits are subject to change as per tax laws. Customer is advised to take an independent view from tax consultant.


The calculation is generated on the basis of information provided and does not constitute an offer or solicitation for the purpose of purchase or sale of any product. Further customer is the advised to go through the sales brochure before conducting any sale. Ref No : KLI/22-23/E-WEB/1826


The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year


Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors.


The premiums paid in Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Please know the associated risks and the applicable charges (along with the possibility of increase in charges), from your Insurance agent or the Intermediary or policy document of the insurer.



BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Kotak Mahindra Life Insurance Company Ltd ; Regn. No.:107, CIN : U66030MH2000PLC128503, Regd. Office: 8th Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai- 400 051. Website: https://www.kotaklife.com, |Whatsapp:9321003007 |Toll free No: 1800 209 8800. https://www.kotaklife.com, |Whatsapp:9321003007 |Toll free No: 1800 209 8800.

Trade Logo displayed above belongs to Kotak Mahindra Bank Limited and is used by Kotak Mahindra Life Insurance Company Limited under license