🧮 ULIP - Market Linked Savings Plan Calculator

Understand your potential returns from ULIP (Unit Linked Insurance Plan) policies that invest in market-linked mutual fund options run by life insurance companies.

This tool is only for educational and estimation purposes.

🔒 Important Disclaimer

Never invest in any life insurance-linked savings product based solely on this calculator. The actual return depends on multiple factors including fund performance, charges, and market risks. Consult a certified financial advisor before making investment decisions.

📥 Input Fields

Enter your ULIP policy details and assumptions

Annual Investment Amount (₹) *

How much do you plan to invest every year?

Expected CAGR (%) *

Your assumption of annual market return (Compounded Annual Growth Rate).

Note: As per IRDAI guidelines, illustrations typically use 4% and 8% for non-guaranteed returns.

Premium Paying Term (Years) *

For how many years will you be paying the premium?

Policy Term (Years) *

When do you expect to receive the maturity benefit?

(This is the total duration of the ULIP policy, often more than the premium-paying term.)

Investment Allocation (%) *

What percentage of your premium actually gets invested in market-linked funds every year?

Typical ULIP Plan: ~85% after deducting charges

Combo Plans (Term + ULIP): 30% to 50% or even less

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Consider booking a consulting session.

IRDAI Guidelines

Standard Assumptions:

• Conservative: 4% CAGR

• Optimistic: 8% CAGR

Market Reality:

Equity markets can be volatile. Past performance doesn't guarantee future returns.

Common ULIP Charges

Premium Allocation:5-15%

Mortality Charges:Variable

Admin Charges:₹500-2000/year

Fund Management:1-2% annually

These charges reduce your actual investment amount significantly.

Final Disclaimer

This calculator provides estimates only. Actual returns depend on market performance, fund selection, charges, and policy terms. Always read the policy document carefully and consult a certified financial advisor before investing.