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ULIP Calculator
A ULIP (Unit Linked Insurance Plan) is a popular life insurance plan that combines wealth protection and growth under a single policy. Your ULIP premium is divided between investment and insurance. The ULIP may grow your wealth by investing in a series of funds that give you market-linked returns in the long term, and keeps you protected with insurance cover for you and your family.
Use our free and easy ULIP calculator below to calculate your expected returns and select the right ULIP for you.
Benefits of using a ULIP Calculator
Now that you know how a ULIP calculator works, here are some of the benefits of using this simple online tool:
-
![Effortless ULIP Return Calculator]( "Effortless ULIP Return Calculator")
Quick & Convenient
The ULIP return calculator online is an easy-to-use automatic tool that only requires you to provide the correct information to compute the returns.
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![Free ULIP Calculator]( "Free ULIP Calculator")
No Fees/Expenses
Since ULIP calculators are free online offerings, you need not pay any fees to use them. Instead, you can simply visit your insurance provider’s official website to use it.
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![Investment Decisions with ULIP Calculator]( "Investment Decisions with ULIP Calculator")
Make Informed Decisions
A ULIP calculator can help you make informed decisions on your investment tenure, your investment amount, the policy term, and your choice of policy.
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![Long-Term Financial Planning with ULIP Investment Calculator]( "Long-Term Financial Planning with ULIP Investment Calculator")
Financial Planning
The ULIP investment calculator is an important tool to help you create a financial plan over the long term. Once you know the estimated returns on your ULIP policy, you can plan and fulfil your financial commitments and obligations accordingly.
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![ULIP Calculator for Easy Plan Choice]( "ULIP Calculator for Easy Plan Choice")
Ease of Choice
By using a ULIP calculator, you can select the type of plan and choose one from the range of plans under the category. This makes it easier for you to pick a suitable ULIP instead of browsing through numerous plans.
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![ULIP Investment Tenure Calculator]( "ULIP Investment Tenure Calculator")
Investment Tenure
Many investors may not be aware of how long they need to invest their money to get the desired returns. A ULIP investment calculator shows the expected returns based on many factors, including the investment duration, which offers better clarity.
In this policy, the investment risk in investment portfolio is borne by the policyholder.
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Planning
Param Rakshak (Return of Premium)
ULIP
CALCULATOR
Popular Tata ULIP Plans with Market Linked Returns~
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
Param Rakshak Plus
Solution Composition
Param Rakshak Plus solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus, A Non-Linked, Non- Participating Individual Health rider (UIN: 110A048V02) and Tata AIA Vitality Health Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A047V02). Tata AIA Smart Sampoorna Raksha is also available individually for sale.
Param Rakshak (Return of Premium)
Solution Composition
Param Rakshak solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha - A Unit-linked, Non-participating, Individual Life Plan for Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus - A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V02 or any other later version). Tata AIA Smart Sampoorna Raksha is also available individually for sale.
Tata AIA
Fortune Pro
Unit Linked Individual Life Insurance Savings Plan
(UIN:110L112V06)
What is an Online ULIP Calculator?
An online ULIP calculator is a free and convenient tool that is designed to help investors and policy buyers select a Unit-Linked Insurance Plan that matches their investment goals and helps them understand how much they should invest in the policy.
Even though this online tool is easy to use, it helps simplify the complex process of how you can meet your investment goals by investing a certain amount over a specific time period as per your preference and affordability.
The aim of the online ULIP calculator is to help you save the time and effort taken to calculate your expected investment returns manually. Investors rely on ULIP calculators to know an approximate investment return since other factors such as the inflation rate and the market’s performance can vary with time.
Why Use a ULIP Calculator?
A Unit Linked Insurance Plan, though a life insurance policy, is also a wealth creation plan, which makes it necessary for the policyholder to know how they should invest in the ULIP. By using a ULIP calculator, the policyholders can know their amount, the tenure as well as the premium payment term and the type of plans they can choose from.
Since there are a variety of ULIP policies available, a ULIP calculator makes it easier for you to select a suitable policy based on how much you can invest, and the expected market returns generated by the policy based on your risk appetite. As a market-linked investment plan, a ULIP does not offer guaranteed returns on maturity. Hence, using a ULIP calculator is essential for carefully planning an investment that lets you choose the plan and the investment funds under it as per your goals and the affordability of premiums.
A ULIP calculator also helps you compute the guaranteed sum assured life cover that will be paid out to your family in case of your demise during the policy term. Hence, the objective of using a ULIP return calculator online is to understand your estimated investment returns as well as the life cover protection for your family.
How Does a ULIP Calculator Work?
The ULIP return calculator online is a free and easy-to-use online tool that you can easily access on your insurance provider’s official website. However, since ULIPs are market-linked products, it is advisable first to know all the variables of your investment before you purchase a suitable plan for yourself.
Most ULIP calculators you come across will enable you to choose the type of plan you are looking for. For example, you can choose from Balanced, Conservative, or Aggressive investment plans depending on the type of investor you are and your risk appetite. In addition, you will be able to know your returns based on your investment amount, investment tenure, and your premium payment term.
Since ULIPs also have a life insurance component, the life cover of your policy will also be calculated by the online calculator. Therefore, the death benefit sum assured provided by the life cover will protect your family in case of an unfortunate uncertainty.
The ULIP return calculator online will give you the closest estimate of the actual returns on your policy. However, there are other factors, such as the choice of investment funds and the rate of inflation, that may affect the actual ULIP returns.
Features of ULIP Calculator
Below are some of the salient features of using a ULIP calculator:
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![Clear Investment Projection with ULIP Calculator]( "Clear Investment Projection with ULIP Calculator")
More Transparency
The ULIP plan return calculator gives you a clear picture of your investment amount and your investment horizon to understand the expected return. This offering also helps you choose investment funds based on the type of plan you are seeking. By choosing a suitable plan, you can take steps to match the estimated return.
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![ULIP Return Calculator]( "ULIP Return Calculator")
Goal-based Investment
If you have planned out some goals to be achieved, use the ULIP return calculator online to know the investment term and premium payment schedule during which you can accumulate adequate funds to meet these goals. Hence, your goals can be met as per the investment horizon and returns generated on the ULIP.
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![Quick and Accurate ULIP Returns Calculation]( "Quick and Accurate ULIP Returns Calculation")
Saves Time
With a ULIP calculator online, your returns can be calculated in a matter of minutes, and the results are quite close to the actual returns since there are other factors that influence the returns too. Moreover, you need not risk making any mistakes in the calculation which is highly possible if the computation is manual.
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![Customize ULIP Investment with Flexible Options]( "Customize ULIP Investment with Flexible Options")
Flexible Options
While using a ULIP plan return calculator, you can choose the investment amount and tenure of your choice and also try different combinations and permutations to see how you can plan your investment. This will, however, be subject to the terms and conditions of the ULIP policy you choose.
Benefits of Buying Tata AIA Life Insurance ULIP
Having a Tata AIA Life Insurance Unit-Linked Insurance Plan comes with the following benefits:
Choice of Funds
Choice of Funds
Choice of Funds
Choice of Funds
When you choose a ULIP from among our plans, you have a varied choice of investment funds that you can select for building your portfolio and growing your wealth. You can opt for only those funds that you deem suitable for your portfolio and for the growth of your wealth and investment!
Tax Benefits
Tax Benefits
Tax Benefits
Tax Benefits
Our ULIPs enable tax savings under the prevailing tax laws. Enjoy tax deduction on your ULIP premiums under applicable income tax# laws.
Switch Between Funds
Switch Between Funds
Switch Between Funds
Switch Between Funds
Track and review your investment portfolio to check your fund performance. Then, if you need to consider other fund options, we allow a seamless switch between funds to help you benefit from the market performance. This helps you meet your investment expectations when you opt for different funds.
Enhanced SMART
Enhanced SMART
Enhanced SMART
Enhanced SMART
We ensure that your investment portfolio is planned and strategized as per your expectations and your investment goals to give you the expected returns. Automate your fund selection for a hassle-free fund selection experience and review your funds periodically to benefit from market-linked returns~.
Life Insurance
Life Insurance
Life Insurance
Life Insurance
All our Unit-Linked Insurance Plans come with a protective life insurance cover to ensure that you, your family, and your investments are safeguarded at all times. In an unfortunate scenario, your family will be able to lead a financially comfortable life in your absence with the life cover benefits.
Optional Riders
Optional Riders
Optional Riders
Optional Riders
Enhance your ULIP policy with your choice of optional riders6. Be covered against a range of medical emergencies, critical illnesses, accidental death and disability, and much more at an additional cost. You can also have your future premiums waived off in case of an unforeseen eventuality.
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Frequently Asked Questions
Can I purchase a ULIP offline after using the online ULIP calculator?
Yes, you can use the online ULIP calculator for computing the returns even if you buy the policy offline. The aim of the online calculator is to make the calculation of the returns easier and more accurate, which can be quite a time-consuming process and prone to errors when done manually.
Are ULIPs a good investment?
A ULIP can be a good investment if you are investing in it after considering your risk appetite and your investment goals. However, ULIPs offer market-linked returns and, therefore, carry some risks, which may not be suitable for all types of investors.
While it is also possible for low-risk investors to opt for ULIPs, a decent understanding of ULIPs, as well as the selected funds is necessary. It is also important to track the funds periodically and switch between funds if needed to ensure that they can offer you the expected returns.
What type of investors should invest in ULIPs?
When you are selecting a ULIP policy, the plans are categorised on the basis of their offerings and the fund allocation. Hence, there are balanced plans, aggressive plans and conservative plans that are designed for investors with the respective investment portfolios and risk appetites.
Any type of investor can invest in a ULIP policy; however, it is important to understand that the returns are market-linked~, and some knowledge of ULIPs as well as the market is essential.
How is the Net Asset Value of a ULIP calculated?
To calculate the NAV or Net Asset Value of a ULIP, the total ULIP funds on a given date will have to be considered. However, the total ULIP holdings will not include the fund management fees, policy administration charges, etc. Therefore, this amount (minus the charges) will have to be divided by the total number of units in the ULIP to get the NAV per unit.
What are the popular Tata AIA Life Insurance Unit-Linked Insurance Plans?
These are the different ULIP plans offered by Tata AIA Life Insurance:
- Tata AIA Life Insurance Fortune Pro (UIN: 110L112V06) - Unit Linked, Individual Life Insurance Savings Plan
- Tata AIA Life Insurance Smart Sampoorna Raksha (110L156V03) - Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection
- Param Rakshak (Return of Premium) Solution
- Param Rakshak Plus Solution
Solution Composition
Param Rakshak solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha - A Unit-linked, Non-participating, Individual Life Plan for Savings and Protection (UIN:110L156V03) and Tata AIA Vitality Protect Plus - A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V02)
Param Rakshak Plus solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus, A Non-Linked, Non- Participating Individual Health rider (UIN: 110A048V02) and Tata AIA Vitality Health Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A047V02).
How do I pay my ULIP premiums?
When you buy a ULIP policy, your insurance provider will offer you flexible choices under the premium payment term, the premium payment frequency and mode. For instance, you can choose to pay regular premiums on a monthly basis for a period of 10 years for a policy term of 10 years.
If you purchase the policy online, you will be able to select any of the online payment options to pay your premiums. Likewise, if you have purchased the policy offline, you can make the premium payments at your insurance provider’s office or look for online payment options as well.
Can I adjust the variables on a ULIP calculator?
Yes, you can change the variables such as the premium payment term, policy term, the type of plan and the expected rate of return on the online ULIP calculator. That way, you will be able to know the different returns on the policy as per your investment. However, be realistic in your calculation and input only the correct information for accurate results. Also, note that the online calculator can only give you a fair and reliable estimate and not the exact figures.
Will the ULIP calculator also calculate the rider premiums?
No, the ULIP calculator does not calculate the rider6 premiums because these are optional benefits. You can choose to have them added to your ULIP for an additional charge as per your needs and the emergencies you need coverage against.
Does the ULIP investment calculator also calculate the life insurance cover?
Yes, the ULIP investment calculator will also compute the life insurance since the life cover is included under the same policy. But do note that the life insurance sum assured will only be paid out to your selected beneficiaries in the event of your demise during the policy term. The insurance cover will not be part of the maturity benefits that are paid out when you survive the policy term.
Will I get guaranteed returns on a Unit-Linked Insurance Plan?
Since the returns on a Unit-Linked Insurance Plan are dependent on the fund performance in the market, they are not guaranteed returns. However, you can carefully choose your investment funds as per your risk profile and your investment goals and also switch between funds to get the expected returns on your ULIP plan.
What is the meaning of the ULIP fund value?
The amount invested in ULIP funds is collected from the policyholder. The net amount in the fund is split into equal units, and a certain number of units will be assigned to every policyholder depending on how many units their investment purchases.
The fund value will be the current market value of all your investments and units in different funds, and the performance of these funds will be based on the market performance.
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- THE LINKED INSURANCE PRODUCT DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICY HOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.
- Param Rakshak solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha - A Unit-linked, Non-participating, Individual Life Plan for Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus - A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V02 or any other later version). Tata AIA Smart Sampoorna Raksha is also available individually for sale.
- Param Rakshak Plus solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus, Non-participating, Individual Health Rider (UIN: 110A048V02) and Tata AIA Vitality Health Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A047V02). Tata AIA Life Insurance Smart Sampoorna Raksha is also available individually for sale.
- The complete name of Tata AIA Fortune Pro is Tata AIA Life Insurance Fortune Pro (UIN: 110L112V06) - Unit Linked Individual Life Insurance Savings Plan.
- ~Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
- #Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
- 1All funds open for new business which have completed 5 years since inception are rated 4 or 5 star by Morningstar on a 5-year basis as of Mar’2023
- 25-year computed NAV for Multi Cap Fund as of Oct’2023. Other funds are also available.
- 3Subject to a maximum term of 40 years
- 4©2020 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar); (2) may not be copied, redistributed or used by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from the data published on various dates and procured from various sources and (5) shall not be construed as a n offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates, or agents shall be responsible or liable for any traducing decisions, damages or other losses resulting directly or indirectly from the information.
- 5Loyalty Additions will be credited only if Policy is in-force and all due premiums have been paid. For Regular Pay & Limited Pay, additional units @ 0.20% of units in each of the funds under Regular Premium Account will be credited (post deduction of applicable charges) to the respective funds every Policy Anniversary starting from eleventh (11th) Policy Anniversary till end of Policy Term. For Single Pay, additional units @ 0.35% of units in each of the funds under the Single Premium Account will be credited (post deduction of applicable charges) to the respective funds every policy anniversary starting from sixth (6th) Policy Anniversary till end of Policy Term. Loyalty Additions are not payable on Top-up Premium Account.
- 6Rider is not mandatory and is available for a nominal extra cost. For more details on benefits, premiums, and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/ branch.
For ULIP products
- Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
- The fund is managed by Tata AIA Life Insurance Company Ltd. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
- Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
- Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
- Please make your own independent decision after consulting your financial or other professional advisor.
- Tata AIA Life Insurance Company Limited is only the name of the Insurance Company, Tata AIA Life Insurance Fortune Pro, Tata AIA Life Insurance Smart Sampoorna Raksha are only the names of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
- The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
- Premium paid in the Unit 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, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
- Insurance cover is available under the product.
- The products are underwritten by Tata AIA Life Insurance Company Ltd.
- The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
- For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
- L&C/Advt/2023/Dec/4183
