ULIP Calculator: Calculate ULIP Returns Online 2025

What is a ULIP Calculator?

ULIP (Unit Linked Insurance Plan) is a market-linked investment plan that gives you the double benefit of wealth creation and insurance protection. As ULIP offers multiple investment options, a ULIP calculator can help you select the right plan for your requirements.

A ULIP calculator is an online tool that estimates the returns you can expect on a particular ULIP investment, when you invest a specific amount for a particular tenure. The ULIP return calculator can help you compare the potential returns of different ULIPs, to enable better financial planning for long-term goals.

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How to use ULIP calculator?

Step 1

Fill up the basic details

Amount you wish to invest and Frequency of premium payment.

Step 2

Toggle the duration bar

To gauge the returns earned as per the tenure.

Step 3

Select the Rate of Interest

Calculator will determine the return on investment value basis the prevalent interest rate you select.

Step 4

Click on Submit button

To check the return on investment value & calculator will also suggest the investment plans as per your needs.

Step 5

Review details

Maturity value is given as a breakdown of principal amount invested plus total interest earned over the tenure.

How do Retirement Calculators work?

What is the formula to calculate ulip returns?

There are two methods to calculate ULIP returns.

1. Absolute Return

The absolute return percentage is determined by calculating the difference between the selling price and the purchase price of an investment, and then dividing that difference by the purchase price. The resulting value, when multiplied by 100, represents the absolute return percentage.

Absolute Return Formula:

[(Current NAV - Initial NAV) / Initial NAV]*100

NAV (Net Asset Value) is the per unit value of the assets less the expenses of an investment fund.

2. Compounded Annual Growth Rate ( CAGR)

The Compounded Annual Growth Rate (CAGR) represents the annualized rate of return for an investment over a specific time period, stated as a percentage.

CAGR Formula:

{[(Current NAV / Initial NAV) ^ (1 / Number of years)] - 1 }*100

However, CAGR depicts only the mean growth rate and does not consider the volatility of returns over a period of time.

What are the benefits of using ULIP Calculator?

The ULIP calculator acts as a trusted guide to help you navigate through the choices and identify your long-term financial aspirations.

Gain valuable insights as you explore the expected returns on your investment.

Easily compare different ULIP plans based on cost, return, and duration to find the ideal fit.

Provides suggestions that align with your financial goals and estimates the time required to earn the returns.

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Frequently Asked Questions

How does ULIP plan work?

Answer: A ULIP combines investment benefits with the merits of a life insurance policy. Part of the premium is invested in market-linked funds, while the rest provides life cover.

How much returns can I expect from a ULIP plan?

Answer: Returns depend on market performance and fund type, typically ranging between 8%-12% annually.

Is ULIP good for the long term?

Answer: Yes, ULIPs are ideal for long-term goals, offering wealth creation and life insurance benefits.

Is ULIP good for retirement?

Answer: ULIPs are suitable for retirement planning due to their tax benefits and potential for long-term growth.

What are the tax benefits under the ULIP plan?

Answer: ULIPs provide tax benefits under Sections 80C and 10(10D) of the Income Tax Act.

How is ULIP calculated?

Answer: ULIP returns are calculated using formulas like Absolute Return and CAGR. ULIP return calculators can also be used for quicker and hassle-free calculations.

What is ULIP NAV?

Answer: Net Asset Value (NAV) represents the per-unit value of the ULIP fund.

How to pay ULIP premiums?

Answer: Premiums can be paid online, through auto-debit, or at authorised payment centers.

Can I surrender ULIP after 5 years?

Answer: Yes, ULIPs can be surrendered after the 5-year lock-in period without penalties.

Does the ULIP investment calculator also calculate the life insurance coverage?

Answer: Yes, most calculators include life cover in their projections.

Is the mortality charge deducted for the entire plan duration?

Answer: Yes, mortality charges are periodically deducted throughout the policy term.

What is the meaning of ULIP Fund Value?

Answer: ULIP Fund Value is the total value of units allocated to the policyholder’s account.

Can I purchase a ULIP offline after using the online ULIP calculator?

Answer: Yes, ULIPs can be purchased offline after evaluating options using the online calculator.

How does the ULIP calculator work?

Answer: ULIP is an insurance cum investment plan that offers protection and market-linked returns. The insurance company pools the funds collected from all policyholders and invests this in equity, debt or a combination of both. The total corpus is then divided into units and distributed to each policyholder depending on their investment amount.