Claim Settlement Ratio of 99.23%^~

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICY HOLDER.

Life Cover + Save Tax!^*

Under Section 80C of Income Tax Act, 1961^*

Loyalty Additions^%

Choice of 4 Investment
Portfolio Strategies

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICY HOLDER.

ULIP calculator

Before investing your hard-earned money, it is important to ensure that the selected ULIP plan is suitable for your needs. A ULIP return calculator can help you get an idea of the various aspects of ULIPs. A ULIP calculator is a handy online tool that tells the investors the amount they can expect at maturity after investing a specific amount for a particular tenure. It takes into account all the crucial data points like tenure, premium, age and rate of return to provide expected returns on investment.

What Is The Amount You Need To Achieve Your Life Goals ?

1 Lakh 1 Crore

Minimum amount is 1 Lakh Minimum years is required

How Long Are You Willing To Invest To Achieve Your Life Goal ?

5 Years 20 Years

Minimum amount is 1 Lakh Minimum years is required

How Would You Like To Divide Your Investments ?

Risk Free Instruments

0% 100%

Minimum amount is 1 Lakh Minimum years is required

Market Linked Instruments

0% 100%

Minimum amount is 1 Lakh Minimum years is required

Expected Rate Of Return

Risk Free Instruments

1% 9%

Minimum amount is 1 Lakh Minimum years is required

Market Linked Instruments

1% 15%

Minimum amount is 1 Lakh Minimum years is required

Investment in risk free Instrument

2,37,873

Investment in market free Instrument

₹2,37,873

You Need To Invest

₹ 74,515/Year

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Tailored Life Insurance Solutions for your long-term Life Goals.

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Written ByPalak Bagadia

AboutPalak Bagadia

Palak Bagadia, Associate – Digital Marketing at Bajaj Allianz Life, with experience spanning content and performance marketing, recruitment, employee engagement in the BFSI industry.

Reviewed ByRituraj Singh

AboutRituraj Singh

Rituraj Singh,With over 6.5 years of experience in the insurance industry, Rituraj Singh, Manager- Product & Brand Marketing at Bajaj Allianz Life Insurance overlooks new product launches, compliance, and brand projects, leveraging artificial intelligence and technology to enhance outcomes.

Why Use The ULIP Calculator?
How Does The ULIP Calculator Work?
ULIP Charges You Should Know About
Features of A ULIP Calculator
Benefits Of A ULIP Calculator
How To Calculate Your ULIP Investment Returns Online?
ULIP Plans By Bajaj Allianz Life
Other Popular Calculators
Why Bajaj
FAQs

Why Use The ULIP Calculator?

A Unit Linked Insurance Plan (ULIP) allows you to create a tailored corpus for your financial goals with market-linked returns. As ULIP returns depend on market performance and aren't guaranteed, understanding expected returns is very crucial. A ULIP calculator is essential when purchasing a ULIP for assessing necessary savings to achieve a desired corpus and determining the required investment amount. It guides in evaluating the adequacy of your savings and aids in planning finances effectively based on determined savings needed for specific financial objectives, ensuring proper allocation of the required amount.

How Does the ULIP Calculator Work?

The ULIP calculator is an online tool that uses investor-provided data to estimate returns. For long-term insurance and investment plans like ULIPs, it's recommended to use a maturity amount calculator beforehand for an idea of the expected returns.

The key information required by a ULIP plan calculator is:

Frequency of premium payment

Premium amount

Type of fund

Rate of return

Investment duration

Many ULIP maturity amount calculators give an additional option of dividing the investable amount into risk-free and market-linked investments. The rate of return of different types of investments are based on various assumptions and can vary. The ULIP plan calculator should be used to get an idea of the maturity amount, but the amount should be used only as a tentative figure and not to be used as the base for firm decisions.

ULIP Charges You Should Know About

Knowing ULIP charges gives a clear idea of the amount that is invested and the overall returns. Here are some of the major ULIP charges:

Charge Type	Description
Premium allocation charges	The premium allocation charge is an upfront fee deducted from the premium paid by the investor. It covers the cost of selling the policy which includes underwriting costs, medical expenses, and distributor’s fee.
Mortality charge	ULIPs pay a pre-decided amount to the family of the insured on his/her demise during the policy term. The insurance company levies a mortality charge to cover the cost of life insurance. Mortality charges in ULIP depend on factors like age, health, and the sum assured.
Fund management charges	When investing in market-linked funds through a ULIP, insurance companies levy a fund management charge for managing the accumulated funds and generating returns.
Policy administration charges	Insurers levy policy administration charges to cover administrative work like record-keeping. These charges are deducted monthly.
Surrender charge	ULIPs have a five-year lock-in period. If discontinuing the policy within this period, the insurance company levies a https://www.bajajallianzlife.com/life-insurance-guide/ulip/why-you-should-not-surrender-your-ulip.htmlsurrender charge, also known as the policy discontinuance charge.

Features of A ULIP Calculator

Here are some of the features of a ULIP Calculator:

Plan Life Goals Better

ULIP calculator ensures that you can get an idea of how much corpus you would require to get your life goals done by providing comprehensive details of the investment funds and the expected returns. With ULIP calculators, you can get a broad idea of the amount to expect at maturity. On the other side, you can also provide the amount to earn and get the duration required to achieve the goals.

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Flexibility

Investors can change the variables to change the output according to their needs. Sometimes, frequent modifications may be required to get a comprehensive picture and ULIP calculators offer adequate flexibility.

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Read Less

Control

Investors can control the information they want from a ULIP calculator. The expected rate of return, premium amount and duration can be modified to get different results as required.

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Read Less

Goal-Based Planning

Setting a goal and formulating a plan for achieving it is considered to be a foolproof strategy. Having a goal makes it easier to save. ULIP calculator helps in goal-based planning by analyzing all the fund options and their returns.

Read More

Read Less

Benefits of A ULIP Calculator

The ULIP calculator is a simple tool but has a high utility. There are several benefits of using a ULIP calculator:

1. The ULIP calculator is easy to understand and does not require any special instructions.

2. ULIP calculators are easy on the pocket. ULIP calculators are free of charge and users do not have to pay anything to plan for their future.

3. ULIPs are long-term investments and by giving a rough idea of the returns to expect and the maturity amount, ULIP calculators help investors make an informed decision.

4. Many people opt for unit-linked plans just for ULIP tax benefits, but ULIP benefits also include flexibility of investment. ULIPs offer a variety of fund options, which can be confusing for some. ULIP calculator helps investors know which funds to opt for to achieve their stated financial goals.

5. The optimum duration of an investment is an important consideration for every investor. By using a ULIP calculator, investors can get the estimated duration required to accumulate the required wealth at a specific rate of return.

How to Calculate Your ULIP Investment Returns Online?

You can use an online ULIP calculator to calculate your ULIP investment returns. The calculator is a simple tool which calculates the expected returns from your investment basis the details that you have provided.

To calculate the returns, here are some details that a ULIP calculator may require¹ –

● The amount that you want to invest

● The tenure of investment

● How would you like to divide your investments? (risk-free instrument or market linked instrument)

Basis the information entered, the calculator calculates your returns and tells you the expected corpus that you can create for your financial goals.

ULIP Plans By Bajaj Allianz Life

ULIP Plans Have Gained Substantial Popularity In India. ULIPs Help You Meet Dual Needs Of Insurance And Investment. It Guarantees The Payment Of A Pre-Decided Amount To Your Nominees In The Event Of Your Death Subject To The Policy Terms And Conditions, While Simultaneously Growing Your Wealth And Helps You Achieve Life Goals. The ULIP Policies Offered By Bajaj Allianz Are:

Online Plans
Offline Plans

Other Popular Calculators

Child Education Planning Tool

Plan for your child’s higher education using this 3-step simple calculator

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Term Calculator

Find out the estimated term insurance coverage that you need using the term calculator

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Power of Compounding

A compound interest calculator that shows how regular investments grow with time and compounding returns

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Retirement Calculator

A calculator that helps you calculate an estimated retirement corpus and the investment needed to create the same

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Investment Calculator

Find out the estimated corpus that you can accumulate with your savings using this calculator

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Child Plan Calculator

A calculator that helps you calculate the estimated corpus required to meet your child’s future needs

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Income Tax Calculator

An income tax calculator that helps you check your income tax liability

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Savings to Life Goals Converter

A helpful calculator that calculates how little savings can accumulate into a larger corpus and help you fulfil your financial goals

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Life Goals Preparedness Calculator

Calculate how prepared are you, financially, to meet the different life goals that you might have

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99.23%

Claim Settlement Ratio^~

1 Day

Claim Approval^%

AAA

CARE Stable Rating^$

₹1,09,829Cr

Assets Under Management (AUM)^**

4.19 Cr

Number of Lives Covered^#

432%

Solvency Ratio^{^}

Disclaimer:^~Individual Death Claim Settlement Ratio for FY 2023-2024, ^%96.70% of non-investigative individual claims approved in one working day for FY 2023-24. 1 day is counted from date of intimation of claim before 3 PM on a working day (excluding Non-NAV days for ULIP) at Bajaj Allianz Life offices, ^$For details refer to press release published by CARE, ^**All figures as on 31 January, 2024, ^{^}Solvency ratio 432% as at 31 March 2024 against IRDAI mandated 150%, ^#Individual Group.¹ Source: Bajaj Allianz Life Public Disclosure

Online ULIP Calculator - Frequently Asked Questions

Customer Speaks

Happy with the services

I have invested in various products of Bajaj Allianz Life Insurance - I am happy with the services, returns and diversified product portfolio.

Rashmi Bhavnani

5

Satisfied, Trust

I am a happy customer who is satisfied with the after sales service. I have full trust in Bajaj Allianz Life Insurance Company.

Shrikant A Karande

5

Happy with the returns

I was introduced by my advisor to invest in Bajaj Allianz Life Insurance .I have invested in the same and am happy with the returns and services.

Kavita Goplani

5

Very Happy

I am a 7 year old customer of Bajaj Allianz Life Insurance and very happy about the services.

Dhruv Soni

5

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Disclaimers:

^#Survey conducted by brand equity – Nielsen in March 2020

^*T& C apply - The guaranteed benefits are dependent on the purchase price & annuity option chosen. For more details please refer to sales brochure.

¹Product feature/benefit mentioned above are dependent on variant

²Above illustration is considering Male aged 25 years | Non-Smoker | Life Cover Variant | Policy term (PT)– 30 years | Premium Payment Term (PPT) – 30 years | Sum Assured opted is Rs. 1,00,00,000 | Online Channel | Medical rates | Annual Premium Payment Mode | Premium shown above is exclusive of Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only.

³1% Discount is available for regular premium payment and limited premium payment frequency of Bajaj Allianz Life Smart Protection Goal - A Non Linked, Non Participating, Individual Life Insurance Term Plan

^{^}Subject to eligibility and no adverse disclosure

^{^^}As per variant opted. The variant chosen at inception cannot be changed during the policy term

^~Tax benefits as per prevailing Income tax laws shall apply. Please check with your tax consultant for eligibility.

Best Seller refers to Bajaj Allianz Life Insurance plans which have been bought by large number of customers through the website since their launch.

^**Past performance is not indicative of future performance.

^##Our policy covers COVID 19 claims subject to policy terms and conditions being met.

^%Conditions Apply – The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors. For more details please refer to sales brochure.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

© Bajaj Allianz Life Insurance Co. Ltd. All Rights Reserved. | IRDAI Reg. No. 116 | An ISO 9001:2015 and ISO 27001:2013 Certified IT Department

CIN: U66010PN2001PLC015959 | Registered Office Address: Bajaj Allianz House, Airport Road, Yerawada, Pune-411006, Maharashtra

Email: customercare@bajajallianz.co.in | Tollfree: 1800 209 7272,

Disclaimer: Images used on this website and the models photographed in them are for representative purposes only and are not indicative of anyone's personal thoughts or ideas.

The Logo of Bajaj Allianz Life Insurance Co. Ltd. is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo and Allianz SE to use its “Allianz” logo.

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Disclaimer

For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. The terms and conditions of product/plan as contained in the Policy Document issued by the Company is available on the Web Site. The names of the Company, Products/Plans/funds do not indicate the quality and its future prospects or returns. IN ULIPs, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. Tax benefits are as per the prevailing Income Tax Laws including the Income Tax Act, 1961 and are subject to change from time to time. Goods and Services Tax will have to be borne by the Policyholder as per applicable rates. All other charges shall be levied in accordance with the terms and conditions of the policy.

This calculation and results displayed are based on information provided and certain assumptions about the rates of return. It is for assistance only and does not constitute an offer or solicitation. It is not intended to be and must not alone be taken as the basis for an investment decision. Kindly note that the returns are only illustrative and they are not guaranteed. The returns do not indicate the upper or lower limits of the return that you may get with your policy and the value is dependent on a number of factors including future performance. Bajaj Allianz Life Insurance Company Limited shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information reported by the calculator.

¹©2021 Morningstar. All Rights Reserved. The Morningstar name and logo are registered marks of Morningstar, Inc. The information, data, analyses and opinions ("Information") contained herein: (1) include the proprietary information of Morningstar and its content providers; (2) may not be copied or redistributed except as specifically authorized; (3) do not constitute investment advice; (4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates and procured from various sources. Morningstar, its affiliates, and its officers, directors and employees shall not be liable for any trading decision, damage or any other loss arising from using the Information. Please verify all of the Information before using it and do not make any investment decision, except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up

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