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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). You can use the... Read more 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 the choose appropriate plans to achieve your financial goals while also securing life cover. Read less

A ULIP calculator is an online financial tool that assists you in estimating the return ...Read more on a ULIP (Unit Linked Insurance Plan). 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 the choose appropriate plans to achieve your financial goals while also securing life cover. Read less

Invest ₹15,000/month¹¹, Get ₹2.7 Cr tax-free¹² returns (@21.54%)

High life cover + wealth creation

Zero premium allocation charge

All funds rated 4 or 5 stars²

Zero LTCG tax¹²

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

¹¹Illustrative returns @4%: ₹22.5 Lakh | @8%: ₹40.92 Lakh
Policy Term: 20 yrs. Past performance is not indicative of future performance. T&C apply. 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

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ULIP Calculator

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Premier SIP Calculator

Here's your customised plan

Pay (Total)

₹11,99,016

Get Maturity Benefit

Based on assumed rate of return

₹34.57 Lakh

As per actual past performance

₹70.50 Lakh

@20.37%

Additional Benefits

Life Cover (including Terminal Illness Cover): ₹21.7 Lakh

Accidental Death Cover: ₹10.9 Lakh

Accidental Total & Permanent Disability: ₹10.9 Lakh

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Tata AIA Premier SIP is a combination of 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. 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 23.21% Returns (Benchmark: 16.65%)⁵
All funds rated 4 or 5²
Unlimited free fund switches

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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: 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.

Tata AIA

Premier SIP

No premium allocation charges
Multi Cap Fund delivered 23.21% Returns (Benchmark: 16.65%)⁵
All funds rated 4 or 5 stars²

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Tata AIA funds have consistently outperformed benchmarks

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Equity
Debt
Hybrid

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Returns as on

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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 24.08% Read more and the Large Cap Equity Fund, which has generated 18.80% returns as of Nov’25. 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

A ULIP calculator is a free online tool which helps you estimate the potential returns of your Read more unit-linked insurance plan (ULIP). You just need to enter basic information such as policy duration, investment amount, and the expected return. Knowing an estimate of the maturity amount enables you to make informed decisions. Right estimates allow you to plan for long-term financial goals and life insurance. Read Less

How does a ULIP calculator work?

A ULIP calculator helps you get an estimate of how your investment may grow over time under a ULIP plan. By entering a few basic details, you can find a possible maturity value of ULIP returns in 10 years or 15 years. It can help you understand whether the plan matches your long-term financial goals, such as wealth building or retirement planning.

Let’s understand how the ULIP fund value calculator works with a simple example. Assume you want to invest in a ULIP to build a long-term corpus.

Details You Need to Enter

Monthly or yearly contribution:

This is the amount you choose to invest at regular intervals. For example, you may decide to invest ₹30,000 every month.

Payment duration:

This shows how long you plan to continue paying premiums. In this case, let’s assume you invest for 15 years.

Total policy period:

This is the full time your ULIP remains active and invested. For this example, the policy term is also 15 years.

Assumed return rate:

This is the annual growth rate used to estimate how your funds may perform. It is usually based on historical fund performance, but actual returns can be higher or lower depending on market conditions.

What the Calculator Shows You

Based on the information provided, the ULIP policy return calculator displays the following estimates:

Expected maturity value:

This is the approximate amount you may receive at the end of the policy term. With the above assumptions, the projected value could be around ₹1.5 crore.

Total amount invested:

This is the total of all premiums paid during the investment period. Investing ₹30,000 per month for 15 years adds up to about ₹54 lakh.

Overall growth:

This shows how much your investment has increased in percentage terms over the entire duration. In this example, the growth on ₹54 lakh could be around 180%+ over the policy term.

Important to Remember

The figures shown by the unit-linked insurance plan calculator are only estimates meant to help with planning. Market movements, fund selection, and charges can affect actual returns. These numbers should be used as a reference and not treated as guaranteed outcomes or the only basis for making an investment decision.

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.

Why use a ULIP calculator?

Helps with financial planning

A ULIP calculator is a useful tool when you are planning your finances for the long term. Changing parameters like investment amount, tenure, and expected returns, you can see how different choices may affect your future wealth. This makes it easier to match your ULIP investment with your overall financial plan.

Makes goal setting easier

Whether you are planning for retirement, building long-term savings, or preparing for a major expense, the calculator helps you set practical targets. You can start with a goal amount and work backwards to see how much you need to invest. This helps you check if your current premium is enough or needs adjustment.

Supports better investment comparison

A ULIP calculator lets you compare different plan structures by changing factors like policy term, premium frequency, and cover amount. You can view how these changes may affect the final value of your investment. This makes it easier to choose an option that fits both your budget and your goals.

Helps you understand risk impact

Since ULIP returns depend on market performance, results can vary. The calculator helps you test different return levels to see how market ups and downs may affect your final corpus. This is useful for choosing a strategy that feels right for your comfort level. In many cases, it helps people balance growth with stability.

Shows how flexible fund options can work

One of the main benefits of ULIPs is the option to switch between equity and debt funds as your needs change. The calculator helps you see how these shifts may influence long-term results. This makes it easier to plan for different life stages and adjust your approach when needed. As things keep changing, having this flexibility is important. In short, it supports smarter decisions and helps you get the most from fund options that are built to grow with demand.

Useful for tracking progress

Even after you begin your policy, the calculator remains useful. You can check how your actual progress compares with earlier estimates, which helps you see if your progress aligns with your financial goals. If needed, you can review your premium or fund mix to stay aligned with your goals. Many users find this helpful for keeping their plans updated rather than leaving them untouched for years. Overall, it makes long-term investing easier to manage and more responsive to change.

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.

Step 1: 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.

Step 2: 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.

Step 3: 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.

Step 4: 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.

Step 5: 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.

Step 6: 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:

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.

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 years	₹12,000/year or ₹1000/month
Param Raksha Life Pro +	18 years	₹36,000/year or ₹3,000/month
Tata AIA Smart SIP	18 years	₹1,200/year
Tata AIA Smart Fortune Plus	18 years	₹1,200/year
Tata AIA Smart Sampoorna Raksha Supreme	18 years	₹15,000/year or ₹1,250/month
Tata AIA Fortune Pro	18 years	₹12,000/year or ₹1,000/month
Tata AIA Fortune Maxima	18 years	₹12,000/year or ₹1,000/month
Tata AIA Wealth Pro	18 years	₹2,50,000/year or ₹21,000/month
Tata AIA Wealth Maxima	18 years	₹2,50,000/year or ₹21,000/month
Tata AIA i Systematic Insurance	18 years	₹1,200/year

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

Why choose Tata AIA Life Insurance?

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 Ratio¹⁰ in FY24-25

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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.

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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.
⁴No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. 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 December 2025. 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 31st 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
¹⁰Individual Death Claim Settlement Ratio is 99.41% for FY 2024-25 as per the latest annual audited figures.
¹¹Illustration shows a monthly premium of ₹15,000 for Tata AIA Premier SIP for a 30-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. 19.87% is the 5-year return of Nifty 500 Index as of October'25. Maturity amount: ₹23,75,740 at 4% returns, ₹43,20,914 at 8% returns and ₹ 2,33,98,560 at 19.87% returns. The fund value calculation is done by projecting the past returns of Nifty 500 Index after adjusting for all expenses in Tata AIA Premier SIP. The above values have been calculated assuming 19.87% p.a. gross investment returns, which is the past 5-year return of Nifty 500 Index as of October'25.
¹²No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. 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.
Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
The premium paid in Linked Life Insurance policies is subject to investment risks associated with capital markets and publicly available index. The NAV of the units may go up or down based on the performance of Fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions.
Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Sampoorna Raksha Supreme, Tata AIA Smart SIP 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.
Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company.
The 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.
Past performance is not indicative of future performance.
If your policy offers variable benefits, then the illustrations on this page will show two different rates of assumed future investment returns. Currently the gross investment returns are stipulated as 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed, and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. Insurance cover is available under this product.
L&C/Advt/ 2026/Feb/0980

ULIP Calculator

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