Yes Bank SIP Plans

Yes-Bank is the fourth largest private commercial bank operating since 2004 providing personalized services to its vast clientele. Apart from its comprehensive banking services, the Bank offers insurance solutions under Composite Corporate Agency arrangements. Accordingly, Yes Bank offers insurance solutions covering life, general, and health plans from some giants operating in the Indian insurance sector. 

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Invest Today, Secure Tomorrow
  • Take the first step to ₹1 Crore

    Start SIP in just 2 minutes
  • 100% online, Zero paperwork

    150+ Fund Options Available
  • Funds delivering up to 18% CAGR+

    Expert help at no extra cost

Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹11,852

NAV

166.78

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.36 19.56 17.58 %

Instant tax receipt
AUM (Cr)

₹3,330

NAV

69.25

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.48 16.05 15.02 %

Instant tax receipt
AUM (Cr)

₹1,753

NAV

90.83

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.39 16.9 14.67 %

Instant tax receipt
AUM (Cr)

₹2,581

NAV

70.29

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.56 14.87 14.51 %

Instant tax receipt
AUM (Cr)

₹35,377

NAV

77.54

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.36 15.1 14.37 %

Instant tax receipt
AUM (Cr)

₹5,680

NAV

80.71

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.53 13.61 13.92 %

Instant tax receipt
AUM (Cr)

₹446

NAV

66.15

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.89 12.53 13.56 %

Instant tax receipt
AUM (Cr)

₹4,837

NAV

67.43

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.27 13.76 13.42 %

Instant tax receipt
AUM (Cr)

₹219

NAV

46.56

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.47 13.32 12.94 %

Instant tax receipt
AUM (Cr)

₹3,598

NAV

39.55

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.55 11.63 12.83 %

Instant tax receipt
AUM (Cr)

₹3,330

NAV

69.25

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.48 16.05 15.02 %

AUM (Cr)

₹2,581

NAV

70.29

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.56 14.87 14.51 %

AUM (Cr)

₹446

NAV

66.15

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.89 12.53 13.56 %

AUM (Cr)

₹4,837

NAV

67.43

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.27 13.76 13.42 %

AUM (Cr)

₹219

NAV

46.56

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.47 13.32 12.94 %

AUM (Cr)

₹3,598

NAV

39.55

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.55 11.63 12.83 %

AUM (Cr)

₹130

NAV

54.17

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.99 12.92 12.79 %

AUM (Cr)

₹3,154

NAV

67.99

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.3 12.67 12.72 %

AUM (Cr)

₹7,575

NAV

146.96

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.59 12.93 12.71 %

AUM (Cr)

₹77,698

NAV

187.48

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.53 10.11 10.82 %

AUM (Cr)

₹11,852

NAV

166.78

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.36 19.56 17.58 %

AUM (Cr)

₹1,753

NAV

90.83

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.39 16.9 14.67 %

AUM (Cr)

₹35,377

NAV

77.54

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.36 15.1 14.37 %

AUM (Cr)

₹5,680

NAV

80.71

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.53 13.61 13.92 %

AUM (Cr)

₹10,579

NAV

64.22

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21 20.45 22 %

AUM (Cr)

₹4

NAV

10.05

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22 21.62 20 %

AUM (Cr)

₹40

NAV

10.06

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.1 18.6 %

AUM (Cr)

₹5

NAV

10.3

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.1 18.6 %

AUM (Cr)

₹1,051

NAV

73.1

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.97 14.03 14.45 %

AUM (Cr)

₹13,553

NAV

68.77

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.35 12.79 12.68 %

AUM (Cr)

₹3,622

NAV

58.48

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.3 12.8 12.6 %

AUM (Cr)

₹1,137

NAV

52.81

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.36 12.15 12.07 %

AUM (Cr)

₹526

NAV

55.47

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.21 10.92 10.92 %

AUM (Cr)

₹224

NAV

26.79

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.57 8.53 9.62 %

AUM (Cr)

₹847

NAV

41.33

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.61 6.65 7.25 %

AUM (Cr)

₹499

NAV

38.71

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.19 6.52 6.95 %

AUM (Cr)

₹197

NAV

57.75

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.73 6.5 6.87 %

AUM (Cr)

₹117

NAV

30.41

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.81 6.49 6.84 %

AUM (Cr)

₹77

NAV

41.82

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.44 6.23 6.79 %

AUM (Cr)

₹93

NAV

39.49

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.2 6.23 6.58 %

AUM (Cr)

₹1,209

NAV

51.71

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 4.67 5.91 6.56 %

AUM (Cr)

₹16,641

NAV

50.5

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.22 6.07 6.56 %

AUM (Cr)

₹1,650

NAV

44.14

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.28 5.78 6.41 %

AUM (Cr)

₹896

NAV

100.42

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.77 15.55 14.92 %

AUM (Cr)

₹1,126

NAV

52.16

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9 9.95 11.17 %

AUM (Cr)

₹354

NAV

47.25

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.66 9.71 9.89 %

AUM (Cr)

₹62

NAV

59.87

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.6 8.54 9.59 %

AUM (Cr)

₹5,072

NAV

39.04

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.5 8.73 9.51 %

AUM (Cr)

₹438

NAV

101.19

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.34 8.53 9.38 %

AUM (Cr)

₹833

NAV

38.74

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.02 8.97 9.22 %

AUM (Cr)

₹20,171

NAV

70.79

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.9 8.37 9.18 %

AUM (Cr)

₹1,863

NAV

42.96

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.6 8.93 8.96 %

AUM (Cr)

₹276

NAV

30.14

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.31 8.42 8.86 %

View More

Yes-Bank’s life insurance repertoire is varied, delivering a bouquet of standout products tailored to individual preferences. Accordingly, you can choose from plans for protection, retirement, children’s future, savings and income, and wealth creation. The last-named presents unique schemes that combine insurance protection and investment to deliver a hefty corpus upon maturity. Therefore, you have a range of Unit Linked Insurance Plans (ULIP) to choose from to create wealth. So, let us dig deeper to find out more.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Equity Fund SBI Life
Rating
8.53% 10.11%
10.82%
View Plan
Top 300 Alpha 50 Pension Fund HDFC Life
Rating
16.1% -
18.6%
View Plan
High Growth Pension Fund Axis Max Life
Rating
22% 21.62%
20%
View Plan
Opportunities Fund ICICI Prudential Life
Rating
13.3% 12.8%
12.6%
View Plan
Multi Cap Fund Tata AIA Life
Rating
21% 20.45%
22%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
12.53% 13.61%
13.92%
View Plan
Multiplier Birla Sun Life
Rating
16.13% 16.07%
15.8%
View Plan
Virtue II PNB MetLife
Rating
12.48% 16.05%
15.02%
View Plan
Pension Nifty Alpha 50 Index Fund Canara HSBC Life
Rating
16.1% -
18.6%
View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life
Rating
7.27% 8.46%
9.45%
View Plan
Fund rating powered by
Last updated: May 2026
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Updated as of May 2026

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Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

Understanding Yes Bank SIPs and ULIP

SIP or Systematic Investment Plan is a way to invest your money to yield high returns. Here, under Yes Bank SIP, we will discuss ULIP plans offered by the Bank. ULIP policies are similar to the mutual funds^^ in as much as their investment strategies go. However, ULIP scores over them, combining life insurance cover and investment opportunities in market-linked instruments to maximize profits.

Therefore, ULIP is a life insurance product under the Yes-Bank SIP Plans category. In addition, there are hardly any life insurance plans as flexible as ULIP in terms of payment modes, terms, and investment portfolio design. Moreover, the ULIP structure carries a long-term growth potential besides attractive tax savings options.

SIP Calculator

I want to invest Pro Tip
Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth
/Month
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
Years
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Total Wealth ₹1.03 Cr
View Plans
I want to save
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
Years
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  • 40
Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
11.83%
Equity Pension
Top 300 Alpha 50 Pension Fund
18.6%
Top 300 Alpha 50 Pension Fund
High Growth Pension Fund
20%
High Growth Pension Fund
Opportunities Fund
12.6%
Opportunities Fund
Multi Cap Fund
22%
Multi Cap Fund
Accelerator Mid-Cap Fund II
13.92%
Accelerator Mid-Cap Fund II
Multiplier
15.8%
Multiplier
Frontline Equity Fund
13.42%
Frontline Equity Fund
Virtue II
15.02%
Virtue II
Pension Nifty Alpha 50 Index Fund
18.6%
Pension Nifty Alpha 50 Index Fund
Blue-Chip Equity Fund
9.45%
Blue-Chip Equity Fund
Life Pure Equity Fund 2
12.5%
Life Pure Equity Fund 2
Growth Opportunities Plus Fund
14.45%
Growth Opportunities Plus Fund
Equity Top 250 Fund
10.92%
Equity Top 250 Fund
Future Apex Fund
12.79%
Future Apex Fund
Pension Dynamic Equity Fund
10.37%
Pension Dynamic Equity Fund
Accelerator Fund
12.94%
Accelerator Fund
Enhancer Fund-II
11.17%
Enhancer Fund-II
Pension Bond Fund
11.02%
Pension Bond Fund
Midcap Fund
14.67%
Midcap Fund

Yes-Bank ULIPs – How Do They Work?

ULIPs use the premium in two components. One part provides life risk protection and financially shields your near and dear ones in your absence. In contrast, the second part purchases market-linked units like debt and equity for higher long-term yields. Though you can play a role in allocating assets, you need not track individual funds as dedicated professional managers devise investment strategies to achieve fund objectives.

Similar to mutual funds, Yes Bank SIP Plans allow premium payment in installments. The investment components are pooled from several policyholders to create a diverse portfolio in market funds in specific proportions. The primary aim is to maximize profits on behalf of the policyholder. Of course, ULIPs are locked in during the initial 5-years when several charges like the Premium Allocation Charges apply before purchasing units. Therefore, your asset’s worth is your portfolio unit’s combined NAV (Net Asset Value).

Start An Sip Today Watch Your Money Grow Start An Sip Today Watch Your Money Grow

Yes-Bank ULIPs

ULIPs are wealth creation solutions offered by Yes Bank under corporate agency arrangements with reputed insurers. Accordingly, the bank offers:

  • Max Life Fast Track Super Plan

  • Max Life Platinum Wealth Plan

  • Max Life Flexi Wealth Plus Plan

  • HDFC Life Sampoorn Nivesh

All the four ULIP policies offered by Yes Bank stand apart with characteristic features. Therefore, let us explore them individually for a better understanding.

  1. Max Life Fast Track Super Plan

    The ULIP policy helps you fast-track your financial objectives while protecting your family from untoward incidents. The critical highlights of Max Life Fast Track Super Plan are:

    • The plan secures your family finances while helping you achieve long-term goals.

    • Invest in six fund options for market-linked returns.

    • Earn guaranteed loyalty additions during the policy term.

    Eligibility

    Max Life Fast Track Super Plan
    Parameters Minimum Maximum
    Entry Age 3-months (91 days) 50 to 60 years
    Maturity Age 18 years 70 years
    Sum Assured Rs.2.5 to Rs.5 Lac No limit
    Policy Term 10 to 20 years
    Premium Payment Term Single Pay, 5-years, and 20-years
    Premium Payment Mode Single, Yearly, Half-yearly, Quarterly, and Monthly

    Investment Strategy

    • Six fund options are available under the plan

    • Choose a strategy from either the Systematic Transfer Plan or Dynamic Fund Allocation options

  2. Max Life Platinum Wealth Plan

    The ULIP helps you grow money through market-linked returns and additional wealth boosters to meet your long-term goals while protecting your family financially. Max Life Platinum Wealth Plan's critical attractions are:

    • Flexible investment options

    • Comprehensive life insurance coverage

    • Guaranteed loyalty additions and wealth boosters

    • Earn attractive savings interest on “Yes Bank” accounts

    Eligibility

    Max Life Platinum Wealth Plan
    Parameters Minimum Maximum
    Entry Age 3-months (91 days) 55 to 60 years
    Maturity Age 18 years 65 to 70 years
    Sum Assured Limited: Rs. 20 Lac
    Single: Rs.20 Lac
    Regular: Rs. 2.5 Lac
    No limit
    Policy Term 10-years – Single Pay
    10 to 20 Years – Limited and Regular
    Premium Payment Term Single Pay, 5-years, and 20-years
    Premium Payment Mode Single, Yearly, Half-yearly, Quarterly, and Monthly
    Rider Max Life Partner Care
    Wealth Booster 2 to 2.5% of the fund value depending on sam assured based bands

    Investment Strategy

    • Six fund options are available under the plan

    • Choose a strategy from either the Systematic Transfer Plan or Dynamic Fund Allocation options

  3. Max Life Flexi Wealth Plus Plan

    You can tailor the ULIP with flawless flexibility and continuous protection during the policy term. The Max Life Flexi Wealth Plus Plan’s critical highlights are:

    • Flexible plan options regarding policy terms and premium payment

    • Opportunity to personalize your investment portfolio

    • Minimal investment cost with wealth boosters and return of mortality charges

    • Plan Variants:

    • Wealth

    • Whole Life

    Eligibility

    Max Life Flexi Wealth Plus Plan
    Parameters Minimum Maximum (Years)
    Entry Age – Wealth 3-months (91 days) 45 to 70 years, depending on the premium payment mode
    Entry Age – Whole Life 18 years 65 minus premium term
    Maturity Age Wealth: 18 years
    Whole-Life: 100 years
    Wealth: 80 years
    Whole-Life: 100 years
    Sum Assured Rs.2.5 to Rs.10 Lac depending on the plan variant No limit
    Policy Term Wealth: 10 to 30 years
    Whole-Life: 100 years minus the entry age
    Premium Payment Term Wealth: 10 to 30 years
    Whole-Life: 7 to 20 years l
    Premium Payment Mode Single, Yearly, Half-yearly, Quarterly, and Monthly
    Wealth Booster 2 to 2.5% of the fund value depending on sam assured based bands

    Investment Strategy

    Choose from the available ten fund options under the plan.

  4. HDFC Life Sampoorn Nivesh

    The ULIP policy offers multiple fund options for insurance cover and optimizing investments. Moreover, several benefits meet your protection needs. The key highlights of HDFC Life Sampoorn Nivesh are:

    • Reducing charges with higher premiums

    • Choose from three benefit options

    • Loyalty additions after 10-years

    • Plan Benefit Options:

      • Classic Life

      • Classic Extra Life

      • Classic Plus

      • Classic Waiver

    Eligibility

    HDFC Life Sampoorn Nivesh
    Parameters Minimum Maximum (Years)
    Entry Age 30 days to 18 years 47 to 60 years
    Maturity Age 18 to 28 years 57 to 70 years
    Policy Term 10, 15, 20 years
    Premium Payment Term Single
    Regular: 10, 15, 25 years
    Limited: 5, 7, and 10 years
    Premium Payment Mode Single, Yearly, Half-yearly, Quarterly, and Monthly
    Rider Available

In Conclusion

ULIPs are the ideal alternative to mutual funds with the life insurance cover added benefit. Therefore, you can invest in ULIP policies offered under the Yes Bank SIP Plans to reap the benefits of market-linked instruments, which are potentially high-yielding. In addition, you can save on your tax liabilities both at the investing and benefit stages. Additionally, you are spoilt for choice with the Yes Bank offering ULIPs from different insurers under their corporate agency for a customized product.

SIP Hub
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FAQs

  • Which market instruments do the ULIP fund managers prefer for investments?

    ULIP fund managers are dedicated professionals looking to invest in market instruments to maximize profits. Accordingly, they choose government securities, corporate bonds, money market, cash instruments, equity, and equity-related securities matching the policyholder’s risk profile.
  • How do you calculate the ULIP fund’s value payable on maturity?

    The fund value in your ULIP policy is the sum of the number of fund units multiplied by the “NAV” of the fund units on the maturity date.
  • What do you mean by annualized premium in the “Yes Bank” SIP plans?

    Annualized premium denotes the total premium in a policy year, excluding underwriting premium, modal loading, rider premium, and applicable taxes.
  • What is the benefit under the critical illness plus rider?

    You can purchase the rider under HDFC Life Sampoorn Nivesh ULIP policy to receive a lump sum benefit when the life insured is diagnosed with any listed critical illnesses.
  • What is the applicable lock-in period in the “Yes Bank” SIP Plans?

    The lock-in period is 5-years from the policy’s inception, during which you cannot withdraw from the ULIP fund.

SIP Hub
View More

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Invest ₹10K/Month & Get ₹1 Crore# Tax-Free*
*under 10(10D)

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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