ULIP vs Mutual Fund SIP Calculator
Investment Details
Monthly SIP amount must be at least ₹1,000
Investment period must be at least 5 years (ULIP lock-in)
Withdraw after must be greater than investment period
Expected return must be between 1% and 50%
ULIP Parameters
Mortality charges cannot be negative
Fund management charges must be between 0% and 1.35% (IRDAI limit)
Mutual Fund Parameters
Expense ratio must be between 0% and 2.25% (SEBI limit)
ULIP Investment
Total Invest –
Maturity –
Returns –
Insurance –
Mutual Fund Investment
Total Invest –
Maturity –
Returns –
Tax Paid –
Year-wise Breakdown
| Year | ULIP Value | MF Value (post-tax) | Difference |
|---|
Death Scenario Analysis
| Year | ULIP Benefit | MF Benefit (post-tax) | ULIP Advantage |
|---|
• ULIP gains are tax-exempt under Section 10(10D); MF gains are taxed @ 12.5 % after ₹1.25 L exemption (not modelled).
• Illustration only – actual costs, taxes, and returns may vary ; Market risks apply to both ULIP & Mutual Fund investments.
ULIP vs Mutual Fund SIP Calculator
Investment Details
Monthly SIP amount must be at least ₹1,000
Investment period must be at least 5 years (ULIP lock-in)
Withdraw after must be greater than investment period
Expected return must be between 1% and 50%
ULIP Parameters
Mortality charges cannot be negative
Fund management charges must be between 0% and 1.35% (IRDAI limit)
Mutual Fund Parameters
Expense ratio must be between 0% and 2.25% (SEBI limit)
ULIP Investment
Total Invest –
Maturity –
Returns –
Insurance –
Mutual Fund Investment
Total Invest –
Maturity –
Returns –
Tax Paid –
Year-wise Breakdown
| Year | ULIP Value | MF Value (post-tax) | Difference |
|---|
Death Scenario Analysis
| Year | ULIP Benefit | MF Benefit (post-tax) | ULIP Advantage |
|---|
• ULIP gains are tax-exempt under Section 10(10D); MF gains are taxed @ 12.5 % after ₹1.25 L exemption (not modelled).
• Illustration only – actual costs, taxes, and returns may vary ; Market risks apply to both ULIP & Mutual Fund investments.