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In this policy, the investment risk in the investment portfolio is borne by the policyholder.
ULIP Calculator
A ULIP calculator is an online financial tool that helps you estimate the potential returns from a ULIP (Unit Linked Insurance Plan) based on your investment amount, policy term, and expected rate of return. ...Read More
Life coverage is available
Market linked returns
Save tax up to Rs.46,800/-18
Multiple fund options
Total invested Value
₹00,00,000
over 10 Years
Estimated Maturity Value
₹00,00,000
after 10 Years
Investment Growth Over Time
Visual representation of your investment compounding.
Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
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What is the ULIP Calculator?
ULIP calculator is an online tool that helps investors calculate their premium and estimated returns from ULIP plan based on investment horizon, risk appetite and financial goals. It allows you to enter your desired rate of return and determine how long you need to stay invested, based on your risk appetite to achieve your goals. By providing these details in the ULIP investment calculator, you can compare different ULIP plans to chose the most suitable plan.
ULIP returns calculator helps you in the following ways –
Estimated returns: Based on your inputs the ULIP calculator projects how much your investments in your ULIP will be worth at the time of maturity.
Helps in financial planning: Based on the estimated returns you can adapt your investment strategy in order to meet your financial goals (child’s education, buying a house, retirement planning etc.)
Helps with comparisons: You can compare various ULIP plans based on their returns and choose the one that meets your financial goals and is aligned with your risk taking ability.
Transparent calculations: The calculator provides you a clear picture on how much you need to invest in order to reach your desired returns by taking various factors into consideration.
Simply calculations: It is a very easy to use tool helping you with the final estimated corpus based on the inputs you provide.
How does a ULIP calculator work?
Here is a breakdown of how a ULIP calculator operates with a help of an example. Suppose you are looking to invest in a child plan to secure your child’s higher education.
Here are the inputs needed from you -
Premium amount (investment amount): This is the amount you plan to invest regularly. You decide to invest Rs.20,000 per month.
Premium paying term: This is for how long will you be investing. For example let’s assume this is 15 years.
Policy term: This is your investment horizon – how long do you intend to stay invested in the ULIP plan. Let’s assume this is also 15 years.
Expected rate of return: This is the expected growth rate of your fund in the ULIP. Usually this is determined by the past performance of the fund that you choose. For example HDFC Life Discovery fund (SFIN: ULIP06618/01/18DiscvryFnd101) available HDFC Life Click 2 Wealth and other HDFC Life ULIPs with has delivered a return of 34.59%* over the past 5 years as of 31st May, 2025.
Based on the inputs the ULIP return calculator provides the following output –
Maturity amount: This is the estimated sum of money you will receive at the end of the policy term. For example, based on the above investments you would get a Maturity amount of ₹10.29 Cr.
Total investment amount: This is simply the sum of all the premiums you will pay by the end of your premium paying term. The total investment you would have done over 15 years at Rs. 20,000 per month would be ₹36 Lakhs.
Growth percentage: This is the increase in your investment amount in term of percentage by the end of your policy term. The growth percentage over your investment of Rs. 36 Lakhs would be 2,677.78%.
Please note that the above figures are for illustration purpose only. The information being provided through this interactive is provided for your assistance/ information only and is not intended to be and must not alone be taken as the basis for an investment decision.
Why Use ULIP Calculator?
Before investing in ULIP, it is crucial to understand the flexibility and the probable returns on investment on maturity. It also helps you compare various plans for an informed decision. Here are some reasons why you should use the calculator before investing in ULIP:
Financial Planning
Being financially prepared is crucial for a secure future. The ULIP Calculator provides valuable insights into how ULIPs (Unit Linked Insurance Plans) fit into your overall financial goals, helping you create a solid financial plan. You can use the ULIP calculator to get an idea about the maturity value by providing inputs such as premium, tenure, and the expected return rate. This helps you plan for long-term goals such as children’s education, retirement, or wealth creation.
Goal Setting
Setting achievable goals is essential for a successful financial future. The ULIP Calculator helps prioritise investments for long-term objectives, whether it is saving for retirement, funding education, or making a down payment on a home. It is a useful tool for maximising financial growth and aligning savings to long-term and short-term financial goals.
Investment Comparison
The ULIP maturity calculator helps you understand how investment strategies perform across various scenarios. You can use the calculator several times, change the inputs, i.e., the investment amount, expected return rate, and period. You can compare the various returns on investment estimated and select the strategy that aligns with your financial objectives, risk appetite, and time horizon.
Risk Assessment
Understanding the risk associated with an investment is crucial to attain financial security. With the ULIP calculator, you can understand how return rates affect the returns over time. This helps in choosing the fund types, i.e., equity, debt, or balanced funds, to suit your risk tolerance and investment goals.
Flexibility Analysis
Assessing one's adaptability is crucial for handling sudden and unexpected changes in one's financial circumstances. Use the ULIP Calculator to compare the features of various ULIPs, such as the flexibility to change funds, amend premium payments, or add riders, to ensure your investment remains flexible enough to meet your evolving needs.
Investment Monitoring
ULIP premium calculator is a great tool that helps you choose an investment strategy that aligns with your goals, timeline, and risk appetite. It can also be used as a monitoring tool for your ULIP Investments to keep track of what your investment returns would look like by entering the actual returns. This can help you in making necessary adjustments and staying aligned with your financial goals.
How to use HDFC Life’s ULIP Calculator?
For accurate calculation of the fund value of maturity value for a particular premium, duration, fund type, and expected returns, use the HDFC Life ULIP calculator. Here is how you use the online calculator:
Access the Calculator
Access the HDFC Life website. Navigate to the Tools and Calculators option, and select the ULIP calculator.
Enter Personal & Cover Details
Fill out the basic details, such as name and date of birth. Also key in the amount you wish to invest, the premium payment option, whether single or monthly.
Choose Policy Duration
Select the policy tenure between 5 to 25 years.
Specify Fund Allocation
Specify the allocation for different fund types, i.e., equity, debt, or balanced funds, to align with your risk appetite.
Set Expected Returns & Inflation
Set your expected returns for both market-linked assets, i.e., equity, debt, or balanced funds. and low-risk alternatives, such as fixed deposits, PPF, etc. Inflation assumption can also be entered so that the projections show not only normal gains but the actual purchasing power at a later date-for a more realistic view.
Calculate & Review Results
Click on the calculate button. You can view the annualised returns. The estimated maturity value with a breakup for different fund types and premiums appears on the screen.
Explore What‑If Scenario
Compare the outcomes by adjusting variables like term, fund mix, or expected returns. Understanding how your investment grows in different scenarios helps you make goal-driven investments.
Key Features and Benefits of the ULIP Calculator
ULIP calculator is calculating with numbers but facilitating prudent planning through clarity, control, and personalised projections. The basic features of the ULIP calculator are:
Transparency
The ULIP calculator offers transparency by giving a clear picture of charges, fund options, and potential returns, enabling comparison of various scenarios for an informed decision.
Goal-based Savings
The ULIP calculator free allows you to estimate returns for different combinations of the fund, premium, return rate, and time horizon. This enables you to align your investment to financial goals such as child education, retirement, or wealth creation.
Comprehensive Control
You can adjust the inputs, such as monthly contributions, period, fund option, and return rate, to understand how different options impact the returns. Thereby, it offers flexibility to customise the investment according to financial goals, risk appetite, and timeline.
Accurate Financial Projection
Arriving at financial projections using the formula manually can be overwhelming. Moreover, the results may not be 100% accurate. The ULIP projection tool simplifies these calculations and offers realistic projections within seconds for effective financial planning.
Flexibility
The ULIP return calculator online does not just guide you only during the start. It helps you with an investment strategy throughout the policy term. You can revisit the calculator any number of times with varied inputs to check what works for your changing goals, risk appetite, and the market conditions, and you can continue to be on the right track.
Rational Investment Decision
The ULIP return calculator encourages logical decision-making by enabling you to compare various scenarios based on the data. This systematic approach supports goal-driven investment and not impulsive or emotional investing.
Risk Evaluation
The returns on market-linked investments depend on the market conditions. The ULIP calculator helps you understand the potential risks by showing how market fluctuations affect the return on investment. It enables you to explore different options such as equity, debt funds, or balanced funds and align the investment according to your risk tolerance level, i.e., high, low, or moderate.
Time-Saving
Calculating financial projections manually using the formula can be time-consuming and tedious. The ULIP investment growth calculator simplifies the whole process and shows the potential returns instantly and with the click of a button.
Simple to Use
This online financial tool is user-friendly and easy to use. You need not be tech-savvy to use this tool. You enter the basic details like premium amount, policy term, and expected return rate, and the projections are there on the screen.
Understanding ULIP Charges Before You Invest
Unit-linked Insurance Plans (ULIPs) are innovative because they mix insurance with investing options. It is essential to understand the various costs associated with ULIPs to make informed investment decisions. Below are some important ULIP charges to remember:
1
1
Premium Allocation Charge
The Premium Allocation Charge is the first to be subtracted from the policyholder's premium. It covers expenses, including agency commissions, administrative fees, and distribution charges. The last step is to allocate the remaining premium to the chosen funds.
...Read More
2
2
Fund Management Charge
The Fund Management Charge (FMC) covers the costs of managing the ULIP's investment funds. It is a recurring charge, determined as a percentage of AUM, varies across different funds' performances.
...Read More
3
3
Policy Administration Charge
Policy administration charges are collected monthly or annually for policy issuance, paperwork, policy record keeping, and claims processing. It is usually collected by redeeming units equivalent to the charges.
...Read More
4
4
Mortality Charge
This charge is collected for providing life coverage. It depends on the age, health condition, and the sum assured. It is deducted from the investor’s fund value.
...Read More
5
5
Discontinuance Charge
Discontinuance charge is collected if the policyholder exits the ULIP before the lock-in period, i.e., five years. It will usually be a percentage of the premium or the accumulated fund value.
...Read More
6
6
Partial Withdrawal Charge
Partial withdrawal~ charges apply if the policyholder withdraws a portion of the fund value after the lock-in period for emergencies. Some plans allow a few free withdrawals, but charges apply beyond the limit.
...Read More
7
7
Switching Charge
The Switching Charge applies when policyholders move their investments from one fund to another within the ULIP. For instance from equity to debt. Most policies allow a certain number of free switches annually, beyond which a nominal fee is charged for each switch. This charge covers the administrative costs of the switch process.
...Read More
8
8
Premium Redirection Charge
Premium Redirection Charge is incurred when a policyholder changes the allocation pattern of future premiums to different funds within the ULIP. This charge covers the administrative effort required to update the premium allocation instructions.
...Read More
9
9
Investment Guarantee Charge
This charge is applicable only for ULIP options that offer an investment guarantee, which ensures a minimum return on the invested capital. It is charged daily as a percentage of the fund value.
...Read More
10
10
Miscellaneous Charges
Miscellaneous Charges encompass various small charges for specific administrative services requested by the policyholder. These can include charges for providing duplicate policy documents, altering policy details, or processing special requests.
...Read More
It is critical to understand these ULIP expenses to assess the overall cost structure and potential investment returns. These expenses might vary across insurers and ULIP plans. Yet, knowing about them can help you manage your portfolio better and make informed decisions.
Which HDFC Life ULIP Plan is ideal for you?
The following are the different types of HDFC Life ULIP plans. These plans have different features in terms of premium payment options, investment strategies, and death benefit payouts. The ideal one for you depends on your investment strategy, your objectives, risk tolerance and time horizon.
Product (UIN) |
Fund Options |
Investment Boosters |
Charges & Fee Highlights |
Protection & Coverage Highlights |
Maturity / Tax Benefits |
Action |
HDFC Life Click 2 Wealth (101L133V03) |
17 funds |
1% of annual premium added to fund (first 5 years) |
No premium allocation or policy admin charges. ROMC (return of mortality charge) on Premium Waiver option |
Premium waiver; Golden Years cover up to 99 yrs |
Tax-free u/s 10(10D)# |
|
HDFC Life Sampoorn Nivesh Plus (101L180V01) |
11 funds |
Loyalty Additions from year 10 |
Lower premium allocation for higher investments |
5 coverage benefit options (incl. income & waiver) |
Standard ULIP tax treatment |
|
HDFC Life Click 2 Invest (101L178V01) |
10 funds |
Loyalty Additions every 5 yrs (from year 10) |
Zero Allocation Charges |
Optional waiver of premium; multiple death benefit options |
Tax-free u/s 10(10D)# |
|
HDFC Smart Protect Plan (101L175V07) |
11 funds |
Refunds of charges (mortality, allocation, FMC, etc.) |
Charges are refunded partially/fully after certain years |
High cover (up to 100× premium); Decreasing Cover options |
Capital guarantee on maturity |
|
HDFC Life Fund Performance vs. Benchmark
The following table represents popular HDFC Life Funds, which are part of our Unit Linked Insurance Plans (ULIPs). ULIPs combine the benefits of life insurance coverage with investment opportunities in various funds. The returns shown below reflect the performance of the investment component of these plans, while the life insurance coverage provides protection for your loved ones.
Fund Name |
5 Year |
10 Year |
Since Inception |
|||
Fund Return |
Benchmark Return |
Fund Return |
Benchmark Return |
Fund Return |
Benchmark Return |
|
Diversified Equity Fund |
16.08% |
15.27% |
12.30% |
9.83% |
12.92% |
10.69% |
Blue Chip Fund |
14.76% |
15.27% |
10.53% |
9.83% |
10.44% |
9.96% |
Discovery Fund |
25.52% |
23.34% |
Na |
Na |
21.04% |
14.52% |
Equity Advantage Fund |
18.6% |
15.98% |
Na |
Na |
15.84% |
13.21% |
Opportunities Fund |
18% |
23.34% |
12.96% |
13.83% |
13.14% |
12.88% |
Sustainable Equity Fund |
Na |
Na |
Na |
Na |
7.87% |
5.11% |
Flexi Cap Fund |
Na |
Na |
Na |
Na |
22.94% |
14.58% |
Midcap Momentum Fund |
Na |
Na |
Na |
Na |
-7.65% |
-4.47% |
Nifty Alpha 30 Fund |
Na |
Na |
Na |
Na |
-28.85% |
-29.81% |
Top 500 Momentum 50 Fund |
Na |
Na |
Na |
Na |
-23.05% |
-24.18% |
Balanced Fund |
11.34% |
11.72% |
8.57% |
8.92% |
9.31% |
9.11% |
Secure Advantage Fund |
6.38% |
6.4% |
Na |
Na |
6.81% |
6.94% |
Equity Plus Fund |
15.28% |
14.58% |
9.83% |
9.53% |
10.65% |
10.54% |
Capital Growth Fund |
13.93% |
15.27% |
Na |
Na |
11.9% |
11.88% |
Data as of 28th February 2025. Past Performance is not indicative of future performance of the fund.
Fund Returns are as per HDFC Life Insurance Fund Performance Feb 2025
FAQs on ULIP Calculator
1
Is ULIP a good investment plan?
Yes, ULIP is a good investment plan for those who are looking at a long-term goal of wealth creation, and at the same time, want protection through life insurance. It gives policyholders the dual benefit of insurance and investment.
2
How is ULIP calculated?
ULIPs are determined by several factors, including the premium, fund allocation, policy length, fund performance, and fees. By entering these facts, the ULIP Calculator may provide an educated guess as to the potential future investment returns. Considerations such as fund growth rates of return, inflation, and fees are included in the estimation of the ULIP's performance and benefits.
3
How does the ULIP calculator work?
The ULIP plan calculator arrives at an expected return after assessing various data points such as tenure, premium, age, and rate of return. It must be noted that as ULIPs are subject to market risks. The online ULIP calculator will show the estimated amount and return on the investment.
4
Does the ULIP investment calculator also calculate the life insurance coverage?
The most accurate ULIP calculators will incorporate both the investment component and life insurance coverage in their predictions. By entering key details such as your premium amount, age, and sum assured, these calculators help predict your life cover and potential investment returns. Additionally, a life insurance calculator can be used alongside to further assess the life insurance coverage, helping you make well-informed decisions based on your financial goals and security needs.
5
How is a ULIP calculator helpful for offline purchases?
One can choose to buy ULIP plans both online and offline. Although if you plan to purchase the ULIP plan offline, you will have to either do it through an agent or physical branches. Even if you opt for the offline plan, you can use the ULIP calculator to find out the estimated return on your investment in the future.
6
What is ULIP NAV?
The Net Asset Value or NAV gives you the per-unit value of the assets after deducting the liabilities. This is how you can keep track of the performance of your fund.
7
How is ULIP NAV calculated?
The NAV of a ULIP plan can be calculated by adding up the total ULIP funds on a date and then deducting expenses like operating and management charges from it. The net value is divided by the total number of units to get the NAV.
8
What is the return of ULIP in 5 years?
The ULIP returns depend on market conditions, the type of fund invested in, and the ULIP charges incurred. The growth potential is higher for long-term investors. In a long period of 5 years, market fluctuations may even out, providing better scope for significant wealth creation.
9
Is the mortality charge deducted for the entire deduction of the plan?
The mortality charge is dependent on the sum assured more than the fund value, also known as the sum at risk. To cover the sum at risk, insurers take an additional mortality charge, which goes out of the pocket of the insured policyholder.
10
How do I pay ULIP premiums?
You can pay premiums both online and offline, just like you purchase a ULIP plan. One can choose to make a lump-sum payment or pay in regular intervals, either monthly, quarterly, half-yearly, or in annual installments. Your ULIP plan could have limited premium payment tenure, while other payment tenures can go on for the complete duration of the policy.
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18. Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime
This interactive does not constitute an offer or solicitation for the purchase or sale of any financial instrument or as an official confirmation of any transaction. HDFC Life Insurance Company Limited or any of its affiliates/ group companies 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 interactive. The information being provided through this interactive is provided for your assistance/ information only and is not intended to be and must not alone be taken as the basis for an investment decision (“Information”). The recipient/ user assume the entire risk of any use made of this Information. Each recipient /user of this interactive should make such investigation as it deems necessary to arrive at an independent decision while making an investment and should consult his own advisors to determine the merits and risks of such investment. The investment discussed or views expressed may not be suitable for all investors. HDFC Life Insurance Company Limited and its affiliates, group companies, sales staff, financial consultants, officers, directors, and employees may have potential conflict of interest with respect to any recommendation, related information or opinions. This Information should not be reproduced or redistributed or passed on directly or indirectly in any form to any other person or published, copied, in whole or in part, for any purpose. This Information is not directed or intended for distribution to, or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction, where such distribution, publication, availability or use would be contrary to law, regulation or which would subject HDFC Life Insurance Company Limited and its affiliates/ group companies to any registration or licensing requirements within such jurisdiction. The distribution of this Information in certain jurisdictions may be restricted by law, and persons in whose possession this Information comes, should inform themselves about and observe, any such restrictions. The Information given in this interactive is as of the date of this report and there can be no assurance that future results or events will be consistent with this Information. This Information is subject to change without any prior notice. HDFC Life Insurance Company Limited reserves the right to make modifications and alterations to this statement as may be required from time to time. However, HDFC Life Insurance Company Limited is under no obligation to update or keep the Information current. Neither HDFC Life Insurance Company Limited nor any of its affiliates, group companies, directors, employees, sales staff, financial consultants or representatives shall be liable for any damages whether direct, indirect, special or consequential including health, physical well being, lost revenue or lost profits that may arise from or in connection with the use of the Information. Past performance is not necessarily a guide to future performance.
In unit linked policies, the investment risk in the investment portfolio is borne by the policyholder. The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year.
Life Insurance Coverage is available in this product. The unit linked insurance products do 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 unit linked insurance products completely or partially till the end of fifth year. Unit Linked Funds are subject to market risks and there is no assurance or guarantee that the objective of the investment fund will be achieved. The premium shall be adjusted on the due date even if it has been received on advance.
Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in 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. The name of the company, name of the brand and name of the contract 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 of the insurer. 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.
** The returns mentioned is the 5-year benchmark return percentage of Nifty Alpha 50 index data as of April 30, 2025, and is not indicative returns of HDFC Life’s Top 300 Alpha 50 fund(SFIN:ULIF07828/02/25Alpha300Fd101) Source: https://www.niftyindices.com/Factsheet/Factsheet_Nifty_Alpha50.pdf
* Online Premium for HDFC Life Sampoorn Nivesh policy (UIN: 101L103V03) under the Classic Plus Benefits Plan assume an 8% annualized return over a 20-year policy term with a 20-year premium-paying period; please note that these assumed returns are not guaranteed and do not represent minimum or maximum outcomes, as actual performance will depend on various factors including future investment performance. Some benefits under this plan are guaranteed, while others are variable and contingent on the insurer’s future performance in the life insurance business, and the calculations vary based on the selected death benefit amount: for a benefit of Rs. 1,000,000, the the death benefit value is Rs. 11,52,960; for benefits of Rs. 2,000,000, Rs. 3,000,000, or Rs. 5,000,000, the death benefit value is Rs. 21,12,960; and for benefits of Rs. 8,000,000 or Rs. 10,000,000, the the death benefit value is Rs. 96,00,000. Premiums are paid on a regular, monthly basis and are exclusive of applicable taxes and levies, with an example monthly premium of Rs. 2,601 equating to approximately Rs. 86.70 per day. These illustrations are provided for informational purposes only and do not guarantee future performance.
# Tax benefits & exemptions are subject to the conditions of the Income Tax Act, 1961 and its provisions. Tax Laws are subject to change from time to time. Customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.
1. Loyalty additions for Single Premium(s) policies shall be payable at the end of every Policy Year from year 10 to 14 (both inclusive). For limited and regular premium payment policies, loyalty Additions will be added to the fund value every alternate year starting from the end of 11th policy year.
~ The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year.
HDFC Life Smart Protect Plan (UIN: 101L175V07) is a Unit Linked Non-Participating Individual Life Insurance Savings Plan, Life Insurance Coverage is available in this product.
HDFC Life Sampoorn Nivesh Plus (UIN No: 101L180V01) is a Unit Linked Non-Participating Individual Life Insurance Savings Plan, Life Insurance Coverage is available in this product.
HDFC Life Click 2 Wealth (UIN-101L133V03) is a Unit Linked Non-Participating Individual Life Insurance Savings Plan, Life Insurance Coverage is available in this product.
ARN: MC/07/25/25251