Best ULIP Plans in India 2025
Compare top-performing ULIPs based on returns, charges, fund options, and customer ratings to find the best plan for your investment goals.
Our Selection Criteria
Top 5 ULIP Plans for 2025
5-Year Returns (Equity)*
14.2%
Min Premium
₹18,000/year
Key Features
- • Zero allocation charge
- • 4 fund options
- • Unlimited free switches
5-Year Returns (Equity)*
13.8%
Min Premium
₹12,000/year
Key Features
- • Online-only
- • Low charges
- • 5 fund options
5-Year Returns (Equity)*
13.5%
Min Premium
₹24,000/year
Key Features
- • Loyalty additions
- • Multiple fund options
- • Systematic transfer
5-Year Returns (Equity)*
13.2%
Min Premium
₹18,000/year
Key Features
- • Zero premium allocation
- • Auto-rebalancing
- • 8 fund options
5-Year Returns (Equity)*
12.9%
Min Premium
₹24,000/year
Key Features
- • Index fund option
- • Guaranteed additions
- • Flexible premium
*Returns are historical and not indicative of future performance. Data as of December 2024. Please verify with insurers before investing.
Top Performing ULIP Funds
| Fund Name | Category | 1Y Return | 3Y Return | 5Y Return |
|---|---|---|---|---|
| ICICI Pru Multi-Cap Growth | Multi-Cap | 18.5% | 15.2% | 14.8% |
| HDFC Life Opportunities Fund | Multi-Cap | 17.8% | 14.5% | 14.2% |
| SBI Life Equity Fund | Large Cap | 16.2% | 13.8% | 13.5% |
| Max Life High Growth Fund | Multi-Cap | 19.2% | 14.8% | 13.9% |
| Tata AIA Large Cap Fund | Large Cap | 15.5% | 13.2% | 12.8% |
Returns are CAGR as of December 2024. Past performance does not guarantee future results.
Calculate Your ULIP Returns
Use expected returns from top-performing funds to project your investment growth.
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
How to Choose the Best ULIP
1. Check Fund Performance
Look at 5-year and 10-year returns of the equity and balanced funds offered. Compare with benchmark indices like Nifty 50. Consistent performance over multiple market cycles is more important than short-term returns.
2. Compare Charges
Lower charges mean more of your money gets invested. Look for ULIPs with zero premium allocation charge, low fund management fees (around 1.35%), and reasonable policy administration charges.
3. Fund Options
Choose ULIPs with diverse fund options - equity, debt, balanced, and index funds. This gives you flexibility to adjust your portfolio based on market conditions and your changing risk appetite.
4. Insurer Reputation
Consider the insurer's claim settlement ratio, solvency ratio, and customer service quality. Top insurers like ICICI Prudential, HDFC Life, SBI Life, and Max Life have proven track records.
5. Additional Features
Look for value-added features like loyalty additions, free fund switches, systematic transfer options, and settlement options at maturity.
Frequently Asked Questions
Disclaimer: The information provided is for educational purposes only and should not be construed as investment advice. ULIP returns are subject to market risks. Past performance does not guarantee future results. Please read the policy documents carefully and consult a financial advisor before investing. We do not endorse any specific insurance company or ULIP plan.