Calculate Your ULIP Returns Instantly
Free, accurate ULIP calculator with real-time projections. No sign-up required. See how your Unit Linked Insurance Plan investment can grow.
Your investment will grow for 5 additional years without new contributions.
Deduct typical ULIP fees from calculation
Total Invested
₹12,00,000
Maturity Value
₹72,16,099
Wealth Gained
+₹60,16,099
(+501%)Investing ₹10,000/month for 10 years, then staying invested for 5 more years
Growth Projection
| Year | Invested | Portfolio Value |
|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹2,72,432 |
| ⋮ 10 more years | ||
| 3 | ₹3,60,000 | ₹4,35,076 |
| 14 | ₹12,00,000 | ₹57,52,630 |
| 15 | ₹12,00,000 | ₹72,16,099 |
Click to expand full breakdown
How to Use the ULIP Calculator
1. Enter Amount
Input your investment amount and choose frequency - one-time, monthly, or yearly.
2. Set Duration
Select how long you'll invest and how long you want to stay invested for maximum growth.
3. See Results
Get instant projections with detailed year-by-year breakdown and visual charts.
Understanding ULIP Returns
A Unit Linked Insurance Plan (ULIP) is a versatile financial product that combines life insurance coverage with investment opportunities. A portion of your premium provides life cover, while the rest is invested in market-linked funds (equity, debt, or balanced) based on your risk appetite.
Estimating potential returns from ULIPs can be complex due to market fluctuations and various charges. Our ULIP calculator helps you get a simplified projection of the maturity value based on your investment amount, duration, frequency, and expected rate of return.
Key ULIP Features
- Dual Benefit: Life insurance protection + market-linked returns
- Tax Benefits: Premiums eligible for deduction under Section 80C (up to ₹1.5 lakh)
- Tax-Free Returns: Maturity proceeds exempt under Section 10(10D)*
- Fund Switching: Flexibility to switch between equity and debt funds
- Lock-in Period: Mandatory 5-year lock-in ensures long-term investing
Note: *Tax benefits are subject to conditions. Actual returns depend on market performance and are not guaranteed. Our calculator provides estimates based on assumed rates of return.
Frequently Asked Questions
Disclaimer: The calculations shown are illustrative estimates based on the inputs provided and assumed rates of return. They do not account for all ULIP charges and do not guarantee actual returns. Investment in ULIPs is subject to market risks. The investment risk in investment portfolio is borne by the policyholder. Please read the policy documents carefully and consult a financial advisor before investing.