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The values shown here are only for illustration.
The results are generated based on the information provided. It is not intended to be and must not alone be taken as the basis for an investment decision.
Your Returns Comparison
| Start Investing | Age 0 | Age 0 |
|---|---|---|
| Investment Amount | ₹ 1,000 | ₹ 0 |
| Investment Period | 35 Yrs | 35 Yrs |
| Total Investment | ₹ 0 Lakhs | ₹ 4.20 Lakhs |
| Returns at the age 60 | ||
| Returns | ₹ 0.00 Lakhs | ₹ 0.00 Lakhs |
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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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Vishal Subharwal
Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.
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What is the ULIP Calculator?
A ULIP calculator is a handy online tool that makes planning your investments simpler and more personal. It lets you enter your desired return on investment (ROI), how long you plan to invest, and your comfort with risk. By filling in these details, you can see how different plans might grow over time.
Just input your investment amount, how long you want to keep your money invested, and your expected return rate. The calculator then shows you the potential value of your investment when it matures.
This tool helps you compare various ULIP plans and gives you a clear picture of how your investment could perform in the long run. It’s designed to make understanding and planning your financial future easy and straightforward.
Why Use ULIP Calculator?
Some of the uses of the ULIP Calculator include:
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.
Goal Setting
Setting achievable goals is essential for a successful financial future. The ULIP Calculator helps prioritize investments for long-term objectives, whether it’s saving for retirement, funding education, making a down payment on a home, or exploring ULIP for NRI. It’s a useful tool for maximizing financial growth
Investment Comparison
Although it may initially seem daunting, the ULIP Calculator makes evaluating investment options straightforward for different types of ULIPs. You can compare several ULIP plans, their features, potential returns, and costs to make educated investing decisions that align with your objectives.
Risk Assessment
Comprehending and controlling risk is critical if one aspires to attain financial security. The ULIP Calculator can help you discover the ideal combination of risk and return for your investment portfolio by comparing the risk tolerance of different ULIPs.
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
It is crucial to analyse how your assets are doing to stay on schedule with your financial goals. The ULIP Calculator gives you the means to track and evaluate the performance of your ULIPs, which is crucial for the longevity of your investment strategy. Because of this, you can enhance your strategy and make changes quickly.
How to Use ULIP Calculator?
Follow the steps below to use the ULIP Calculator:
Click here to access the ULIP Calculator free.
Provide basic information, including name, date of birth, gender, and contact details like mobile number and email address.
Submit information on pre-existing conditions, drinking and smoking habits
Enter the amount of premium or the amount of money you would like to invest in ULIP
Select the frequency of premium payment from the following options – monthly /quarterly/half-yearly/yearly
Choose the tenure of your choice
Select the investment fund of your choice from the given options – a mix of debt, fixed income and equity in various proportions.
Click on the ‘’Calculate’’ button to generate the estimated returns on the selected ULIP plan.
Features of ULIP Calculator
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![Transparency in Fund Returns Calculation using Ulip Calculator.]()
Transparency
When it comes to calculating your returns for every individual fund taking into account fluctuating markets, the online ULIP calculator provides complete transparency. You can accurately monitor particular funds for specific tenures that you have selected transparently.
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![Goal-Based Savings Through Fund Analysis with ULIP Calculator.]()
Goal-based Savings
Analyse the fund options to gauge which investment will perform to suit your need, preferences and affordability and generate maximum returns to initiate goal-based savings with the help of the ULIP calculator.
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![Comprehensive Control Over Investments Provided by the ULIP Calculator.]()
Comprehensive Control
You have full control over your investments with the ULIP Calculator. The flexible parameters and intuitive interface of your ULIP investment plans allow you to tailor them to your financial goals and risk appetite. The ULIP Calculator free makes changing premium amounts simple, looking at other fund options, and assessing various scenarios. You may take charge of your decision-making process with this tool for investors.
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![ULIP Calculator As A Planning Tool For Financial Portfolio Management.]()
Planning tool
As you plan your investment portfolio, the online ULIP calculator can effectively act as your financial planner. It clearly highlights everything that you want to understand about the fund where you intend to invest depending on your objective, goals and risk appetite.
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![Flexibility in Investment Amounts and Periods with ULIP Calculator.]()
Flexibility
The ULIP Calculator provides a lot of flexibility when it comes to determining the amount that you wish to invest in unit-linked products. You can modify your desired premium amount and time period of the investment to get an accurate estimate on what its future value will be. This calculation will also take into account your requirements, affordability, preferences and long-term goals.
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![Rational Investment Decision-Making Aided by ULIP Calculator'S Return Estimations.]()
Rational Investment Decision
Have total control over your decision-making by analysing and comparing the estimated returns of ULIP products using the online ULIP calculator. The results generated focus on a comparative cost analysis with an estimation of returns that can help plan your future investments rationally involving these specific funds in question.
Benefits of a ULIP Calculator
Popular investment options like Unit Linked Insurance Plans (ULIPs) combine insurance and investing advantages. ULIP calculator is essential for optimising ULIP investments. This automated tool helps investors forecast returns, identify risks, and make educated choices.
Some of the key advantages of the ULIP calculator include:
Accurate Financial Projection
ULIP calculator gives precise financial estimates — a major advantage. This calculator calculates investment value using premium, insurance term, estimated rate of return, and total insured. Different factors may show investors how their assets will grow over time. This helps create achievable financial goals and plans for the future.
A ULIP plan calculator lets investors enter their investment amount and insurance period. The ULIP return calculator uses this data to predict investment performance in various markets. This helps investors predict wealth increases and alter their investing plans.
The Unit Linked Insurance Returns Estimator also considers fund performance and costs to provide accurate estimates. These projections help investors avoid unpleasant shocks and align their expectations with market circumstances.
Assessing the Potential Returns
ULIP plan calculator helps evaluate investment returns. Based on past data and expected market performance, it helps investors predict their money's growth and returns. The ULIP return calculator online lets investors enter alternative rates of return to evaluate how market volatility can affect their investment.
This is essential for long-term financial planning. Investors may decide how much and for how long to invest by understanding possible returns. The Life Insurance Investment Calculator in the ULIP return calculator shows how the investment increases over time, taking insurance coverage into consideration.
Informed Investment Choices
Financial success requires smart investing decisions. The ULIP calculator helps investors understand fund management, mortality, and administration expenses. The calculator aids investors in calculating net returns by detailing these expenses.
The ULIP return calculator shows how costs affect returns. Transparency in costs helps investors plan their investments and avoid surprises.
ULIP Tax Benefit Calculator tells investors how much tax savings they may obtain by investing in ULIPs, helping them optimise tax efficiency.
Customise Plans
ULIP calculator provides great customisation. The calculator lets investors adjust their investing strategies to their financial objectives and risk levels. The Insurance Premium Planning Tool in the calculator lets investors choose the best premium to meet their financial objectives.
Investors seeking rapid growth may devote more of their premium to equities funds, while those seeking stability may pick debt funds. The Investment Growth Calculator shows how these allocations affect investment plan growth.
Risk Evaluation
Making smart financial choices requires assessing investment risk. The ULIP calculator shows how market circumstances affect returns to measure risk.
The Future Wealth Projection Calculator is ideal for this. It helps investors prepare for market downturns by showing how the investment could perform. Investors must evaluate risk to balance their portfolio and reduce risk.
Comparative Analysis Tool
Comparative analysis is also successful with the ULIP calculator. The ULIP return calculator online lets investors compare ULIP returns and advantages when they have numerous investment alternatives.
The calculator's Long-term Savings Estimator compares the long-term advantages of ULIP plans. With this knowledge, investors may choose wisely to invest.
Time-Saving
Quick and precise ULIP calculator calculations save time. Using the ULIP return calculator online is simple and effective. Investors may enter information and obtain results instantly. This simplicity of use allows more individuals to invest in ULIPs even if they are not financial experts.
Simple to Use
ULIP calculators are easy to use. You can use the ULIP Calculator free of cost, and it will provide detailed results with minimum inputs. The ULIP return calculator gives thorough findings, including predicted returns and insurance coverage.
How do you calculate ULIP investment returns online using HDFC Life's ULIP Calculator 2024?
To find out how much money you may expect to get from your ULIP investment in 2024, you can use this online tool from HDFC Life:
Visit the official website of HDFC Life Insurance.
You can find the ULIP Calculator free tool on that page. Look under the "Insurance" or "Investments" tabs on the site for this.
Upon starting the ULIP Calculator, you will likely be prompted to fill out several fields. Certain pertinent facts, such as your age, investment amount, premium payment period, and insurance term, may be placed here. Give precise details for the best outcomes.
One common feature of HDFC Life's ULIPs is the availability of many funds, such as equity, debt, and balanced funds. Select the funds' percentages according to your investment goals and risk appetite.
The ULIP return calculator will provide an ROI prediction once you've input all the necessary details. Reviewing and evaluating the data may better understand your investment's prospective long-term success.
If you are unhappy with the projected returns or want to try alternative options, you may adjust the calculator's parameters to your preference. Modifications to the investment amount, premium payment duration, distribution of money, etc., may be necessary.
How Does HDFC Life’s ULIP Plan Calculator Work?
The ULIP plans Calculator from HDFC Life will teach you everything you need to know about Unit Linked Insurance Plans (ULIPs) and how to put money into one. Detailed instructions are provided here for the process:
Kindly start by providing some information about yourself, like your age, gender, earnings, and any financial goals you have in mind. Inserting the data into this ULIP return calculator, its suggestions can be adjusted to your requirements.
Once you are done with this process, you will enter the information about the ULIP policy that you want to buy, including the premium amount, policy term, premium payment period, and sum assured. These variables are the big factors determining the performance of ULIP and the benefits it provides.
Investors are offered numerous fund choices, each with its risk exposure, in HDFC Life's ULIPs. These funds include equity, debt, and balanced alternatives. The calculator allows you to allocate your premium to several funds according to your risk tolerance and investment preferences.
The ULIP return calculator uses complex algorithms to estimate your future investment returns once you provide all the necessary information.
With this tool, you may get an all-inclusive projection of the potential returns on your ULIP investment. Everything from the fund value to the value at maturity to the death payment and any other policy advantages is based on your provided data.
In addition, you could utilise HDFC Life’s ULIP Plan Calculator to analyse different scenarios. Trying out different investment strategies, you will probably adjust some parameters, such as the premium amount, size of insurance or fund switching allocation. If you change any of these factors, your ULIP may stop functioning, and you may fail to understand the advantages it provides.
The results are seen, and your HDFC Life ULIP plan is compared as soon as the calculation is done. You can make an informed choice by interpreting the projections that yield outputs, benefits, expenses, and other critical elements that matter in the plan.
With the use of the ULIP Calculator from HDFC Life, individuals become aware of their choice of financial package to meet their personalised needs and objectives.
ULIP Charges You Should Know About
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 in order to make informed investment decisions. Below are some important ULIP charges to remember:
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
Fund Management Charge
The Fund Management Charge (FMC) covers the costs of managing the ULIP's investment funds. This charge, determined as a percentage of AUM, varies across different funds' performances.
...Read More
Policy Administration Charge
ULIP Policy Administration Charge (PAC) funds to the cost of policy administration of the ULIP insurance policy. The natural course of events for an insurance firm, which involves service costs of issuance, collecting premiums and dealing with policy, is to make withdrawals on your account.
...Read More
Mortality Charge
The Mortality Charge is one of the expenses incurred by ULIPs as they are the life insurance as well. The insured amount, the gender, the age and the health status of an applicant are some of the factors for calculating the premium. As the policy accrues mortality expenses, the cover of life remains live during the policy term.
...Read More
Discontinuance Charge
The charge varies based on the year of discontinuance and your annualized premium for limited and regular premium policies. From the 5th policy year onwards, no charges are applied.
...Read More
Partial Withdrawal Charge
Partial Withdrawal Charge is levied when a policyholder withdraws a portion of the funds from the ULIP account after the lock-in period. This charge helps manage administrative expenses associated with processing the withdrawal.
...Read More
Switching Charge
The Switching Charge applies when policyholders move their investments from one fund to another within the ULIP. 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
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
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
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.
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 How does the ULIP plan work?
The insurance company pools in money from all policyholders and then invests them in the funds chosen by them. After the money is invested, the total corpus is then divided into various units, which are then distributed to each policyholder, in accordance with the amount he/she has invested.
5 How does ULIP work?
When you invest in a ULIP, a part of your premium goes into the insurance cover, while the rest is then invested into either equity or debt funds depending on your choice of funds.
6 Does the ULIP investment calculator also calculate the life insurance coverage?
The most accurate ULIP calculators will incorporate the investment component and the life insurance coverage in their predictions. When you input your premium amount, age, and sum guaranteed into the calculator, it will predict your life cover and investment returns. In light of their financial goals and security needs, users may assess the ULIP's overall value offer and make educated decisions.
7 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.
8 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.
9 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.
10 Which is better, ULIP or SIP?
ULIPs and SIPs have different advantages. ULIPs provide tax savings and capital allocation flexibility. However, SIPs are mutual fund investments with rupee cost averaging. Your financial objectives, risk tolerance, and insurance needs determine the option you prefer.
11 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.
12 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.
Unit Linked Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked 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. HDFC Life Insurance Company Limited is only the name of the Life Insurance Company and HDFC Life Click 2 Wealth (UIN:101L133V03) is only the name of the unit linked 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 contact are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Life Insurance Coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.
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