📈 ULIP Returns Calculator
Project your ULIP fund value net of charges — and compare it honestly with putting the same money in a low-cost index fund.
ULIP Fund Value at Maturity
₹0
Total Premiums Paid₹0
Effective Net Return0%
Same Money in Index Fund (0.5% cost)₹0
Cost of ULIP Charges Over Term₹0
ULIP charges (premium allocation, policy admin, fund management, mortality) typically drag returns by 1.5–3% a year, heaviest in early years. ULIPs have a 5-year lock-in; maturity proceeds are tax-free under 10(10D) only if the annual premium is ₹2.5 lakh or less. The comparison assumes identical gross returns — only costs differ. Estimates only.