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Best ULIP Fund Returns Plans in India

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In recent years, ULIPs (Unit Linked Insurance Plans) have emerged as one of the most attractive and efficient investment avenues in the Indian financial landscape. The increasing popularity of ULIPs can be attributed to their dual benefit of providing both investment and insurance coverage under a single plan.

One of the crucial factors that potential investors should focus on is the ULIP interest rate and ULIP returns. The returns from ULIPs play a pivotal role in determining the profitability of the investment over a specified tenure. Before selecting a ULIP plan in India, it's imperative to understand and evaluate the ULIP plan returns.

In this article, we will dive into the importance of investing based on ULIP plans’ returns and shed light on who can reap the maximum benefits from such investments. We will also take a look at the best ULIP plans available.

What are ULIP Funds?

ULIPs, or Unit Linked Insurance Plans, are unique financial products that combine the benefits of investment and insurance into a single plan. But what exactly are they, and how can they help you meet your financial objectives?

Let’s break it down.

  1. Dual Advantage - At its core, a ULIP allows you to invest in various market-linked assets (like equities or bonds) while simultaneously offering life insurance coverage. This means that not only do you grow your money by investing, but you also ensure that your loved ones are financially protected in case of unforeseen circumstances.
  2. Flexibility - ULIPs come with multiple fund options ranging from equity and debt to balanced funds. These plans offer you the flexibility to manage and optimize your investments as, depending on your risk appetite, financial goals, and market conditions, you can switch between these funds.
  3. Goal Achievement - Whether it's buying a new home, securing your child’s education, or planning a comfortable retirement, ULIPs can be tailored to align with your long-term financial objectives. By consistently investing in ULIPs, you not only benefit from the power of compounding but also ensure that you stay committed to your financial goals.
  4. Transparent Structure - ULIPs have a transparent fee structure. All the charges, including the premium allocation charge, fund management charge, or mortality charge, are clearly defined. This ensures that you know where and how your money is being utilised.

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Who Should Opt for ULIP Funds?

ULIPs, with their dual advantage of insurance and investment, cater to a wide array of individuals. However, they're especially beneficial for certain groups of people based on their financial goals and life situations -

  • Long-Term Investors - ULIPs are designed for long-term growth. So if you have financial objectives that span over several years like buying a home or planning for retirement, ULIPs can be a valuable tool.
  • Seeking Life Coverage - Individuals who wish to ensure the financial stability of their loved ones in their absence can benefit from the life insurance component of ULIPs.
  • Flexible Risk Takers - If you're someone who wants the liberty to shift between equity and debt funds based on market conditions and personal preferences, ULIPs offer that flexibility.
  • Holistic Financial Planners - People who prefer a consolidated approach to finance, combining both savings and protection, might find ULIPs more aligned with their philosophy.
  • Young Entrants - Early-career professionals can harness the power of compounding by investing in ULIPs from a young age, maximising their returns in the long run.

Best ULIP Plans in India

Investing in the right ulip plan is crucial for maximising returns and achieving financial objectives. With numerous options available in the market, choosing the best fit can be a daunting task. 

To help you make a decision, we've collated a list of some of the best ULIP plans in India based on their returns. This table will provide you with a clear snapshot of the performance of these plans over the past 3 and 5 years.

ULIP Funds 3 years Returns 5 years Returns
Birla Sun Life Individual Multiplier Fund 20.78% 26.55%
TATA AIA Whole Life Mid-Cap Equity Fund 16.13% 26.85%
Bajaj Allianz Life Equity Mid-Cap Pension Fund 16.13% 26.19%
TATA AIA Life Future Select Equity Fund 15.46% 22.44%
TATA AIA Life Super Select Equity Fund 15.29% 22.58%
LIC Life Market Plus Secure Fund 10.22% 12.4%
Edelweiss Tokio Life Managed Equity Fund 8.53% 12.54%
Bajaj Allianz Life Group Stable Gain Fund 8.27% 11.61%
Kotak Superannuation Group Bond Fund 8.3% 8.7%
Exide Flexi Life Plus Debt Fund 7.9% 8.6%
Exide One Life Debt Fund 7.9% 8.6%
Canara HSBC Unit Linked Endowment Debt Fund 7.5% 8.1%
HDFC Unit Linked Endowment Plus Secured Managed Fund 7.4% 8.1%
Bharti AXA Guarantee Builder Steady Money Fund 7.2% 8.1%
Aegon Life Assure Plus Debt Fund 7% 7.7%

Investment Plan

Note: While this table gives you a brief idea about the top-performing ULIP plans in terms of returns, it's essential to evaluate other factors like policy features, flexibility, and charges before making a final decision.

Bottom Line

ULIPs bridge the gap between insurance and investment. As we've seen, the returns from ULIPs, when carefully chosen, can significantly contribute to achieving your financial aspirations. The unique blend of protection and growth potential offered by ULIPs is what sets them apart in the world of investment vehicles. 

It's important, however, to always be informed by considering both the returns and the holistic features of the plan. By doing so, you don’t just make a financial decision but also ensure a financial safety net for your loved ones.

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