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ULIP Returns in 30 Years

A 30-year ULIP policy offers a combination of life insurance coverage and investment exposure to market-linked⁵ funds over an extended period. ... Read more These plans allocate your premium between insurance charges and investment in equity or debt funds based on your preference. The 30-year tenure provides substantial time for wealth accumulation through compounding while maintaining financial protection for your family. Read less

A 30-year ULIP policy offers a combination of life insurance coverage and investment ... Read more exposure to market-linked⁵ funds over an extended period. These plans allocate your premium between insurance charges and investment in equity or debt funds based on your preference. The 30-year tenure provides substantial time for wealth accumulation through compounding while maintaining financial protection for your family. Read less

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Invest ₹15,000/month¹ and get ₹1.32 Crore tax-free² returns

All Funds rated 4 or 5 stars³

Zero LTCG tax²

Starts at ₹1,000/month

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

¹Illustrative returns @4%: ₹23.8 Lakh | @8%: ₹43.2 Lakh

Past performance is not indicative of future performance. 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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Get a Life Cover of

₹1 Crore

Maturity Benefit of

4% and 8% are assumed rates of return. Tata AIA Multi Cap Fund Returns since inception: 20.38% (Benchmark: 12.98%) as of Nov'25

Returns%

As per actual returns% since inception of Tata AIA Multi Cap Fund as of Nov'25

by paying a premium of ₹21,749/month (for 5 years)

Save ₹1,202 with discounts

Annual Income (₹)

Online discount

10% discount on health product premium every year Additional fund booster will be added at the end of the policy term which is a defined % of average fund value on the last business day of the last eight policy quarters (2 years)

Policy Term (years)	Fund Booster %
30-34	7%
35-39	8%
40 and above	10%

Last 5 year returns of Tata AIA funds

Fund Name	5 Year Returns	Benchmark Returns	Benchmark Name
Multi Cap Fund	23.21%	16.65%	S&P BSE 200
Top 200 Fund	24.08%	16.65%	S&P BSE 200
India Consumption Fund	23.85%	16.65%	S&P BSE 200

Returns as of November, 2025

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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. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.

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What is a 30-Year ULIP Policy?

A 30-year ULIP is a unit-linked insurance plan that extends over three decades, integrating life insurance protection with investment opportunities. The premium payment is divided into two components: one-part funds the life cover, while the other is allocated to your selected investment funds. Policyholders can select from equity funds for growth potential, debt funds for stability, or a balanced combination depending on their risk capacity and financial objectives.

Tata AIA ULIP Plans

Combination composition

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 25.97% Returns (Benchmark: 18.91%)⁴
All funds rated 4 or 5 stars³

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Combination composition

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.

Tata AIA

Param Raksha Life Pro +

Multi Cap Fund delivered 25.97% returns (Benchmark: 18.91%)⁴
All funds rated 4 or 5 stars³
Unlimited free fund switches

Calculate Returns

How Does a 30-Year ULIP Work?

A 30-year ULIP policy works by dividing your premium between two main components: insurance and investment. The structure works in the following way:

Premium apportionment: Part of the premium paid covers mortality charges and policy administration costs; the remaining amount is invested in your chosen funds.
Unit purchase: The invested part buys units at the prevailing NAV, which varies depending on market performance.
Fund options: The investment can be made in equity, debt, or hybrid funds, as per your risk profile and financial goals.
Growth mechanism: Through the 30-year period, your investment grows based on fund performance, when returns are compounded over time.
Life cover: The life insurance coverage is provided to your family for the entire duration of the policy.

To better understand this, let's see an example. Suppose a person invests ₹1,00,000 every year, splitting 50% for equity and the rest 50% for debt. Then after 30 years, the total amount accumulated would be about ₹1.13 crore, considering an 8% annual average return. This indicates the wealth creation through ULIP investments that are made systematically over a long term.

Note: These are illustrative calculations, and actual returns may vary depending upon market performance and the fund selected.

Why choose a 30-year ULIP policy?

These are some of the reasons a long-term ULIP may be considered:

Insurance and investment: Provides life cover and allows a part of your premium to be invested into market-linked⁵ funds for protection and wealth building.
Flexible fund switching: Some ULIPs allow switching between equity and debt funds depending on the market performance or personal life events, without incurring taxes under existing laws.
Tax benefits: Premiums may be deductible under Section 80C, and the payout may be exempt² under Section 10(10D) as per the conditions applicable.
Supports long-term goals: ULIPs may be useful for long-term life goals such as education, retirement, or wealth creation. It helps NRIs to maintain investment exposure in India.

Factors that Affect ULIP Performance Over 25 Years

Below are some factors that may affect ULIP performance:

Market movements

Fund values fluctuate with the markets. Equity funds respond to uptrends and downtrends in the stock market, while debt funds are impacted by interest rates. A 30-year tenure exposes one to multiple market cycles.

Fund selection

Your decision between equity, debt, or balanced funds involves the potential for returns. While equity funds carry higher growth potential with increased volatility, debt funds generally provide more stable but moderate returns.

Policy charges

ULIPs involve charges for premium allocation, fund management, policy administration, and mortality cover. The charges may lower the net returns over the investment period.

Premium consistency

Regular premiums ensure the continuity of the funds' accumulation. Non-payment may lead to policy lapse or revival charges, thereby hampering investment growth.

Economic conditions

Fund performance can be impacted by inflation, interest rates, and even changes in regulations. Economic growth supports performance for equity funds, while debt funds may perform during stable interest rate environments.

Switching decisions

Rebalancing between funds at the right time may help optimise returns. However, switching too frequently or at inappropriate times may affect the overall performance.

Our funds have consistently outperformed benchmarks

All
Equity
Debt
Hybrid

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Returns as on

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How are 30-Year ULIP Policy Return Rates Calculated?

The following are the steps for calculating returns for a 30-year ULIP policy:

Step 1: Identify the mortality charges and policy administration costs from your premium to determine the investment portion of your premium. Over time, these charges typically decrease as the policy continues.
Step 2: The amount invested is used to purchase units at the existing NAV, which varies each day according to the market performance of the fund.
Step 3: Track the total units accumulated in 30 years, assuming consistent premium payments. Assume each premium payment buys units at the fund's current NAV.
Step 4: At maturity, multiply your accumulated units by the closing NAV to arrive at the value of the fund. Example: 12,000 units at ₹95 NAV = ₹11,40,000.
Step 5: Calculate the average annual return by using the formula CAGR = [(Final Value ÷ Total Investment)^(1/30)] - 1.
Step 6: Note that the actual returns will differ according to the fund's performance, prevailing market conditions, and any levied charges, besides any withdrawals or switches. Returns are not guaranteed.

Invest more, get more!

Invest ₹5,000/month

You get

₹44 Lakh

You invest ₹5,000/month

Invest ₹10,000/month

You get

₹88 Lakh

You invest ₹5,000/month

Invest ₹15,000/month

You get

₹1.32 Crore

You invest ₹5,000/month

Invest ₹20,000/month

You get

₹1.77 Crore

You invest ₹5,000/month

Plan now

Amounts are based on a 20-year-old non-smoker male, with a 20-year premium payment term and a 30-year policy term, Tata AIA Premier SIP Future Secure plan option under the limited payment method with 100% invested in Tata AIA MultiCap fund at 8% Rate of Return.

How to maximise your ULIP returns in 30 years

The following approaches may help increase ULIP performance over 30 years:

Asset Allocation: The appropriate mix of equity and debt can be decided based on age, risk tolerance, and financial goals. Younger investors may allocate higher percentages to equity, while those nearing their goal timeline may increase the debt allocation.
Regular Performance Review: Consider reviewing your fund's performance against relevant benchmarks annually. If the performance is below par, you may need to switch to better-performing funds within the policy.
Charge Optimisation: The selection of policies with lower expense ratios and minimal charges is critical. Small differences in annual charges make a big difference in the final corpus over 30 years.
Practise investment discipline: Make regular premium payments; do not surrender the policy before its maturity. If invested for a full term, an investor may benefit from market recovery cycles and compounding effects.
Strategic fund transitions: Gradually shift the allocation from equity into debt funds as you reach closer to your financial goal. Avoid impulsive decisions to switch between funds based on short-term market fluctuations.
Goal-oriented planning: Set a target for a certain financial goal, such as retirement or funding education. This may help you maintain investment discipline during the tenure.

Conclusion

A 30-year ULIP policy provides an approach to long-term investing combined with life insurance protection. The extended 30-year duration offers substantial time for investment growth through compounding while maintaining flexibility through fund switching options and goal-based planning. As market-linked⁵ instruments, ULIP returns are influenced by fund performance and economic conditions over the policy term. Regular evaluation of fund choices, maintaining premium payment discipline, and aligning the investment with your risk tolerance may assist in a better investment experience.

What is the potential range of returns for a 30-year ULIP investment?

The return range varies according to fund selection and market conditions. Equity-oriented funds offer higher growth potential with increased volatility, while debt funds usually provide moderate but stable returns over the investment period.

What is the maximum return of ULIP in the last 30 years?

The maximum ULIP returns in the last 30 years. However, it is not fixed because performance depends upon the particular fund, time period, and specific market cycles.

Can I withdraw my ULIP investment before 30 years?

Apart from the five-year lock-in period, partial withdrawals are normally allowed. The amount would depend on the policy terms and the fund value when a withdrawal request is made.

How would the market conditions affect ULIP returns in 30 years?

The underlying fund's NAV is directly impacted by market conditions. The extended 30-year duration may provide an opportunity to offset short-term market volatility through multiple economic cycles; this does not eliminate market-related investment risks.

Are returns of ULIPs after 30 years enough to support long-term goals?

Comparing projected outcomes with your financial requirements helps assess whether the investment meets your needs. Returns may be affected by the fund, time horizon of the investment, and market performance.

Is it safe to plan on ULIP returns of the last 30 years?

Historical returns may provide a rough estimate, but one should not base an entire financial plan on them. The future return could vary as market conditions, economic environments, and fund performance fluctuate over time.

Does the ULIP assure returns over a period of 30 years?

Most ULIPs do not assure any returns since they are market-linked products. Final returns depend on the performance of selected funds and applicable charges throughout the 30-year investment period.

Are there any tax implications on the returns generated from ULIPs in more than 30 years?

Tax treatment would depend upon policy structure and the prevailing tax laws applicable on maturity of the contract. Maturity benefits may be exempt from tax under certain conditions, as per the applicable tax laws. Consult a tax² advisor in cases of specific situations.

Do insurers offer bonuses or loyalty rewards for staying invested in a ULIP for 30 years?

Insurers may offer bonuses or loyalty rewards, but they depend on an insurer’s discretion and also depend on the policy term.

10.

Can I modify my ULIP fund allocation to manage risk during the 30-year term?

Generally, ULIPs allow switching between funds, which means the investor could switch between equity, debt, and balanced funds. Hence, it is possible to adjust asset allocation if the goal of investment, or life stage, or market conditions changes during the tenure.

11.

Does a ULIP allow switching between different investment funds during the policy term?

Many ULIPs offer a fund switching feature that allows policyholders to change their investment allocation among the available fund options.

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.
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
¹Illustration 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 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.
²No 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. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. 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.
³All 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.
©2024 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.
⁴5-year computed NAV for Multi Cap Fund as of October 2025. Other funds are also available. Benchmark of this fund is S&P BSE 200.

⁵Market-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
This product isunderwritten by Tata AIA Life Insurance Company Ltd.
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
The fund is managed 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.
Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits, then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and they 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.
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.
Insurance cover is available under this product.
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.
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
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.
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
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 total premiums paid.