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ULIP Calculator

Q: 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.

Q: 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.

Q: 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.

Q: What are the popular Tata AIA Life Insurance Unit-Linked Insurance Plans?

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

Q: 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.

Q: 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.

Q: 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.

Q: 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.

A ULIP calculator is an online financial tool that assists you in estimating the return on a ULIP (Unit Linked Insurance Plan)... Read more You can use the calculator to understand how your investment in a ULIP can grow in the future, compare various funds available, and choose plans based on your needs like retirement or children's education. It helps you choose appropriate plans to achieve your financial goals while also securing life cover. Read less

Invest ₹15,000/month¹¹ for 10 years, Get ₹1.9 Cr tax-free⁴ returns after 20 years

High life cover + wealth creation

Zero premium allocation charge

All funds rated 4 or 5 stars²

Zero LTCG tax¹²

¹¹Illustrative returns @4%: ₹24.1 Lakh | @8%: ₹43.7 Lakh | @18.54%: 1.9 Cr
⁵18.54% is the 5-year CAGR of Tata AIA Multi Cap fund as of Feb’26, which is projected for 20 years after adjusting for all expenses. Benchmark- S&P BSE 20. Available with Tata AIA Premier SIP. Past performance is not indicative of future performance. Returns are illustrative only and not guaranteed. T&C apply. .. Read More
Illustration shows monthly premium of ₹15,000 for Tata AIA Premier SIP for a 25-year-old male, standard life, premium payment term: 10 years, Policy Term: 20 Years. The linked insurance product does not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially until the end of the fifth year. The linked insurance product does not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially until the end of the fifth year.

In this policy, the investment risk in investment portfolio is borne by the policyholder

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As per assumed rate of return

₹34.57 Lakh

As per actual past performance

₹70.50 Lakh

by paying ₹19,983/month

Total premium: ₹11.99 Lakh

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Tata AIA Premier SIP is a combination of the Tata AIA Smart SIP - Non-participating, Unit-linked, Individual Life Insurance Savings Plan (UIN: 110L174V01) and
Tata AIA Health Buddy - Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Both Tata AIA Smart SIP and Tata AIA Health Buddy are also available for sale individually. Product option: Future Secure.

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What is a ULIP calculator?

A ULIP calculator is a digital tool designed to help you estimate the potential returns from your unit-linked insurance policy. By inputting key details such as your premium amount, investment tenure, and expected rate of return, the calculator provides an approximate maturity value of your policy.

This online tool simplifies complex calculations and helps assess the benefits of ULIPs, allowing you to visualise how your money could grow over time. It helps you make more informed decisions about premium payments, policy duration, and fund selection based on your financial objectives and risk appetite.

Our popular ULIP plans

Tata AIA Param Raksha Life Pro +

This advertisement is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V01).

Best Seller

Tata AIA

Param Raksha Life Pro +

Multi Cap Fund delivered 18.54% Returns (Benchmark: 13.07%)⁵
All funds rated 4 or 5²
Unlimited free fund switches

Calculate returns

Tata AIA Premier SIP

Tata AIA Premier SIP is a combination of the Tata AIA Smart SIP, a non-participating, unit-linked, individual life insurance savings plan (UIN: 110L174V02), and Tata AIA Health Buddy, Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Both Tata AIA Smart SIP and Tata AIA Health Buddy are also available for sale individually.

Tata AIA

Premier SIP

No premium allocation charges
Multi Cap Fund delivered 18.54% Returns (Benchmark: 13.07%)⁵
All funds rated 4 or 5 stars²

Calculate returns

Tata AIA funds have consistently outperformed benchmarks

All
Equity
Debt
Hybrid

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Returns as on '25. Fund ratings as per Morningstar as of Nov’25.

Calculate Returns

The Tata AIA ULIP Calculator helps you estimate potential market-linked returns based on different fund choices, premium amounts, and investment horizons. Tata AIA offers several equity-focused ULIP funds, such as the Top 200 Fund, which has delivered a 5-year CAGR of 19.13%... Read more as of Feb’26 and the Large Cap Equity Fund, which has generated 15.09% returns as of Feb’26. By using the ULIP calculator, you can compare how different investment allocations, aggressive equity exposure vs more balanced fund categories, may influence your projected outcomes. This ULIP calculator enables disciplined planning and helps you understand how ULIP investments may perform. Read Less

How does a ULIP calculator work?

A ULIP (Unit Linked Insurance Plan) calculator is a tool that estimates how your investment in a ULIP may grow over time based on certain inputs. It basically simulates future returns so you can plan better.

The calculator takes a few basic details:

Premium amount (monthly or yearly investment)
Policy term (number of years you’ll stay invested)
Assumed rate of return (e.g., 4% to 8%)
Fund type (equity, debt, or balanced)
Charges (like fund management, mortality, etc.)

Benefit Illustration

Returns @4%
Returns @8%
Returns @18.54%

Why use a ULIP calculator?

ULIP maturity calculators are useful for several reasons. Here are some reasons why you should use one:

Financial planning

You can use ULIP calculators to evaluate different investment scenarios for effective financial planning. Depending on your financial goals, you can enter expected life cover, tenures, and expected returns to determine the potential maturity amount.

Setting goals

ULIP calculators can assist in setting realistic financial goals and deciding on the suitable investment amount that can help meet your objectives. The ULIP policy calculator can help you calculate the required investment for any goal, whether it's for your child's education, a house purchase, or retirement planning.

Comparing investments

You can use ULIP calculators for analysing the different investment options you may consider during your financial planning. Depending on your financial objectives, you can input different life covers, tenures, and payment frequencies to calculate the premium amount and estimate the future maturity amount.

Assessing risks

By using a ULIP calculator, you can assess the risk associated with different investment options. The expected rates of return give you a perspective of how market fluctuations affect your investment. Based on your risk tolerance and investment goals, you can make a more informed investment decision.

Analysing flexibility

A ULIP plan calculator can help you to explore different ULIP plans. Based on past performance, you can estimate the potential returns if you switch funds. You can enhance your investment strategy by understanding the potential advantages of switching funds.

Monitor your investments

ULIP calculators can be used as monitoring tools once you have invested in ULIPs. To track your investment's progress, you can periodically input the actual returns earned and make adjustments, if necessary.

Features of a ULIP calculator

Below are some of the key features of a ULIP calculator:

Supports goal-based investing

A ULIP return calculator is designed to work around real financial goals. If you are aiming to build a retirement fund or save for future needs, use it to estimate the time and premium required to reach that amount. This keeps your investment focused on clear targets instead of rough estimates. For all experience levels, from first-timers to seasoned users, this goal-based view makes planning more structured and easier to follow.

Offers better clarity

The calculator shows how your money may grow over time based on the details you enter. You can see how the premium amount, policy term, and expected returns work together to shape the final value. This clear view helps you understand the return potential of your investment and plan with more confidence.

Saves time and effort

Calculating returns manually can be complicated and time-consuming. A ULIP growth calculator gives quick estimates by processing all key factors in the background. This allows you to check different options without spending time on complex calculations.

Allows you to test different combinations

You can try out different premium levels, payment schedules, and policy durations to see what suits your budget. The calculator also helps you check how changes in life cover may affect your overall plan. This makes it easier to balance affordability with long-term protection needs.

Benefits of using a ULIP 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.

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

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.

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.

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 choose a suitable ULIP instead of browsing through numerous plans.

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.

How to calculate your ULIP returns online with Tata AIA

Using the Tata AIA ULIP calculator is quick and easy. You can get an estimate of your returns in just a few steps and see how your investment may grow over time.

Visit the Tata AIA website: Open the official Tata AIA website on your browser. From the top menu, go to the Calculator section, where different financial tools are listed.
Open the ULIP calculator: Under the Calculator menu, select the ULIP calculator option. You will be redirected to a page for estimating ULIP premiums and returns.
Enter your policy details: Fill in basic information such as:
• The life cover you want
• How often you want to pay (monthly, quarterly, or yearly)
• How long you plan to pay premiums
• The total policy duration

Make sure the details are correct so the estimate is closer to your plan.
Check your projected results: Once you submit the details, the calculator will show your estimated premium and possible maturity values for different return levels. This helps you understand how your investment’s value may grow over time.
Try different combinations: You can change the inputs to see how different choices affect your results. For example, you can increase the policy term or adjust the premium to find what suits your budget and goals.
Consult an expert: After reviewing the numbers, you can decide whether the plan fits your financial needs. If required, you can also connect with a Tata AIA advisor for help with plan selection and the application process.

What formula is used to calculate ULIP returns?

ULIP returns use the following formula to calculate the returns:

1. Absolute return:

To calculate the absolute return percentage, the difference between the current price and the purchase price of an investment is divided by the purchase price. By multiplying the result by 100, one can determine the absolute return rate.

Absolute return formula:
[(Current NAV - Initial NAV) / Initial NAV] * 100

Basically, NAV stands for Net Asset Value, which is the per-unit value of the assets less the investment fund's expenses.

2. Compounded Annual Growth Rate (CAGR):

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

The CAGR, however, only depicts the mean growth rate. It does not take volatility into account.

Note: There are several charges associated with ULIPs. Take them into account to get accurate returns.

ULIP charges you should know

While planning your investment, you should understand these charges:

Premium allocation charge

To cover distribution and initial expenses, a portion of the premium is deducted upfront.

Fund management charge

To manage an investment portfolio, a fee is charged.

Mortality charge

Mortality charges are the costs associated with life insurance coverage.

Policy administration charge

A fixed monthly fee for the management of the policy.

Fund switching charges

If the free switch limit is exceeded, switch charges apply.

Partial withdrawal charge

When funds are withdrawn from a policy within the lock-in period, a withdrawal fee is charged.

Surrender charge

The surrender fee is deducted if the policy is ended before the lock-in period ends.

Tata AIA ULIP plans

If you are searching for the best ULIP plans in India, Tata AIA offers multiple options that may suit different age groups and financial goals.

Plan Name	Entry Age	Minimum Annual Investment
Tata AIA Premier SIP	18-50 Years	₹12,000/year or ₹1,000/month
Tata AIA Smart SIP	18-65 Years	₹12,000/year or ₹1,000/month
Tata AIA Smart Fortune Plus	30 days-65 Years	₹24,000/year or ₹2,000/month
Tata AIA Smart Sampoorna Raksha Supreme	18-65 Years	₹20,000/year or ₹1667/month
Tata AIA I Systematic Insurance Plan	0-60 Years	₹24,000/year or ₹2,000/month
Tata AIA Smart Sampoorna Raksha Pro	18-65 Years	₹24,000/year or ₹2,000/month

Above premiums are excluding taxes for base plan option and Regular Pay premium option.

Why choose Tata AIA?

89 Lakh+

Families protected so far⁶

1.3 Lakh Crore+

Assets Under Management
(AUM)⁷

₹4,00,000 Crore+

Retail Sum Assured⁸

4 or 5 Stars

High rated funds² by Morningstar³

600+ Branches

Presence across major cities in India

99.41%

Individual Death Claim
Settlement Ratio in FY24-25¹²

Other Tata AIA calculators for you

Retirement Calculator

A retirement plan calculator lets you understand how much regular income or benefit you can get during your retirement years based on the policy you choose and the amount you save in the policy.

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Savings Plan Calculator

A savings plan calculator enables you to calculate the premiums you need to pay to avail of life insurance coverage for yourself and your family and build a long-term savings corpus during the policy tenure.

Try calculator

Term Insurance Premium Calculator

A term Insurance calculator is a free online tool that can be used to give premium estimates for a Term insurance plan.

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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. It makes calculation of returns faster, easier, and more accurate.

Are ULIPs a good investment?

A ULIP can be a suitable investment option if you are investing in it based on your risk appetite and your investment goals. However, ULIPs carry some risk, as they offer market-linked returns¹. Hence, track the funds periodically and switch funds if needed.

How to calculate ULIP returns?

You can calculate the ULIP returns using the online ULIP return calculator.

What type of investors should invest in ULIPs?

ULIPs can suit different types of investors. Plans are categorised as aggressive, balanced, or conservative based on risk appetite. ULIPs offer market-linked1 returns, so understand ULIPs and market conditions before investing.

What does ULIP NAV mean?

ULIP NAV, or Net Asset Value, is the value of each unit within the portfolio of a ULIP fund. It represents the value of your investment per unit after adjusting for market fluctuations in the assets it represents.

How is the Net Asset Value of a ULIP calculated?

To calculate the Net Asset Value (NAV) of a ULIP, the total ULIP funds at a given date must be considered. NAV per unit can then be calculated by dividing this amount (excluding charges) by the total number of units in the ULIP.

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 Premier SIP
Tata AIA Premier SIP is a combination of the Tata AIA Smart SIP, a non-participating, unit-linked, individual life insurance savings plan (UIN: 110L174V02), and Tata AIA Health Buddy, Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01).

● Tata AIA Param Raksha Life Pro +
This advertisement is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V01). These products are also available for sale individually without the combination offered/ suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products.

● Tata AIA Smart SIP
Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN:110L174V02)

● Tata AIA Smart Fortune Plus
Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN: 110L177V01)

● Tata AIA Smart Sampoorna Raksha Supreme
Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02).

● Tata AIA Life Insurance Fortune Pro (UIN: 110L112V07)
Non-Participating, Unit Linked Individual Life Insurance Savings Plan

How do I pay my ULIP premiums?

You can pay the ULIP premiums through your insurer's website, mobile app, net banking, debit/credit cards, or UPI. If you wish to pay offline, you may visit the insurer's branch or an authorised bank centre.

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. However, note that it can only give you a fair and reliable estimate and not the exact figures.

10.

Will the ULIP calculator also calculate the rider premiums?

No, the ULIP calculator does not calculate the rider⁹ premiums because these are optional benefits. You can add them to your ULIP while buying the policy for an additional charge as per your needs and the emergencies you need coverage against.

11.

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

Yes, the ULIP investment calculator takes into consideration the life cover you want since it is included in the same policy. The sum assured will be paid to the nominee in case of your demise during the policy term.

12.

Will I get guaranteed returns on a Unit-Linked Insurance Plan?

The returns in a Unit-Linked Insurance Plan are market-linked. Hence, they are not guaranteed returns.

13.

What is the meaning of the ULIP fund value?

The ULIP fund value is the current market value of your investment component in the plan. It represents the total worth of the units you hold in the investment fund associated with your ULIP policy.

14.

What is the return of ULIP in 5 years?

The performance of the invested funds will determine the ULIP returns over five years. ULIPs provides 5-year returns of around 8-15%. However, returns are not certain and can fluctuate based on market conditions.

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 Raksha Life Pro + is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme, Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V01). These products are also available for sale individually without the combination offered/ suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.
Tata AIA Premier SIP is a combination of the Tata AIA Smart SIP, Non-Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN: 110L174V02) and Tata AIA Health Buddy, Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Both Tata AIA Smart SIP and Tata AIA Health Buddy are also available for sale individually.
Tata AIA Smart SIP - Non-Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN:110L174V02).
Tata AIA Smart Fortune Plus - Non-Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN: 110L177V01)
Tata AIA Smart Sampoorna Raksha Supreme - Unit Linked, Non-Participating, Individual Life Insurance Plan (UIN: 110L179V02)
Tata AIA Life Insurance Fortune Pro - Non-Participating, Unit Linked, Individual Life Insurance Savings Plan. (UIN: 110L112V07)
The complete name of Tata AIA Fortune Maxima is Tata AIA Life Insurance Fortune Maxima - Non-Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN: 110L113V09)
The complete name of Tata AIA Wealth Pro is Tata AIA Life Insurance Wealth Pro – Non-Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN: 110L111V05)
The complete name of Tata AIA Wealth Maxima is Tata AIA Life Insurance Wealth Maxima – Non-Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN:110L114V05)
Tata AIA i Systematic Insurance Plan - Non-Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN:110L164V09)
¹Market-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.
²All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2025.
³©2025 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 data published on various dates and procured from various sources and (5) shall not be construed as an 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 trading decisions, damages or other losses resulting directly or indirectly from the information.
⁴Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. For ULIP policies, maturity income will be taxable if annual aggregate premium exceeds ₹2.5 Lakh in a financial year. 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.
⁵5-year computed NAV for Multi Cap Fund as of February 2026. Other funds are also available. Benchmark of this fund is S&P BSE 200.

⁶89,43,554 families protected till 31st May 2025.
⁷As on 31^st March 2025, the company has a total Assets Under Management (AUM) of ₹130,053 Crore
⁸Retail Sum Assured for FY2024-25 is ₹7,90,982 Crore
⁹Rider 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
¹¹Illustration shows monthly premium of ₹15,000 for Tata AIA Premier SIP for a 25-year-old male, standard life, premium payment term: 10 years, policy term: 20 years with 100% investment in Tata AIA Multi Cap fund in Future Secure Plan option. 4% and 8% are assumed rates of return. 18.54% is the 5-year return of Tata AIA Multi Cap fund as of Feb’26. Maturity amount: ₹24,15,144 at 4% returns, ₹43,78331 at 8% returns and ₹1,96,49,772 at 18.54% returns. The fund value calculation is done by projecting the past returns of Tata AIA Multi Cap Fund for 25 years after adjusting for all expenses in Tata AIA Premier SIP Plan. The above values have been calculated assuming 18.54% p.a. CAGR, which is the past 5-year return of Tata AIA Multi Cap Fund as of Feb'26. Benchmark of this fund is S&P BSE 200.
¹²Individual Death Claim Settlement Ratio is 99.41% for FY 2024-25 as per latest annual audited figures.
Premium is subject to applicable taxes, cesses & levies which will be entirely borne/paid by the Policyholder, in addition to the payment of such Premium. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. Kindly refer the sales illustration for the exact premium.
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 & the Unit linked insurance product with Tata AIA/Tata AIA Life Insurance as its prefix is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
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.
This product is underwritten by Tata AIA Life Insurance Company Ltd.
The plan is not a guaranteed issuance plan, and it will be subject to company’s underwriting and acceptance.
Insurance cover is available under this product.
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.
Buying a Life Insurance Policy is a long-term commitment. An early termination of the Policy usually involves high costs, and the Surrender Value payable may be less than the all the Premiums Paid.
In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
L&C/Advt/ 2026/Apr/2745

ULIP Calculator

Success

Failure

What is a ULIP calculator?

Our popular ULIP plans

Tata AIA Param Raksha Life Pro +

Param Raksha Life Pro +

Tata AIA Premier SIP

Premier SIP

Tata AIA funds have consistently outperformed benchmarks

How does a ULIP calculator work?

Benefit Illustration

Why use a ULIP calculator?

Financial planning

Setting goals

Comparing investments

Assessing risks

Analysing flexibility

Monitor your investments

Features of a ULIP calculator

Supports goal-based investing

Offers better clarity

Saves time and effort

Allows you to test different combinations

Benefits of using a ULIP Calculator

How to calculate your ULIP returns online with Tata AIA

What formula is used to calculate ULIP returns?

1. Absolute return:

2. Compounded Annual Growth Rate (CAGR):

ULIP charges you should know

Premium allocation charge

Fund management charge

Mortality charge

Policy administration charge

Fund switching charges

Partial withdrawal charge

Surrender charge

Tata AIA ULIP plans

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FAQs on ULIP calculator

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

Are ULIPs a good investment?

How to calculate ULIP returns?

What type of investors should invest in ULIPs?

What does ULIP NAV mean?

How is the Net Asset Value of a ULIP calculated?

What are the popular Tata AIA Life Insurance Unit-Linked Insurance Plans?

How do I pay my ULIP premiums?

Can I adjust the variables on a ULIP calculator?

Will the ULIP calculator also calculate the rider premiums?

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

Will I get guaranteed returns on a Unit-Linked Insurance Plan?

What is the meaning of the ULIP fund value?

What is the return of ULIP in 5 years?

Disclaimers

Are you ready to get 10% Discount on 1st year premium and save tax4

Are you ready to get 10% Discount on 1st year premium and save tax⁴