FOR FIRST YEAR Total Premium ₹0 /Annual
Total Premium from 2nd year onwards ₹0 /Annual

Customer Profile

10%

Total Cover: ₹0

Investment Performance Dashboard

10% GROWTH SCENARIO
Maturity Fund Value (Year 20)
₹0
At age 48
Total Invested
₹0
Net Wealth Gain
₹0
Death Benefit (Y1)
₹0
Wealth Growth Projection
Total Paid Premiums Paid Wealth Gain

Tax Benefit — LTCG Savings

EXEMPT U/S 10(10D)
Total Invested
₹0
Maturity Gain
₹0
LTCG if Taxed as Equity MF
₹0
12.5% on gains above ₹1.25L exemption
You Save
₹0
vs equivalent equity MF gain

Section 10(10D) exempts ULIP maturity proceeds only if the annual premium does not exceed ₹2,50,000 and the Sum Assured is at least 10x the annual premium. If either condition fails, gains are typically taxed as capital gains, similar to an equity mutual fund.

Benefit Illustration

Scenario: 10% p.a.
YearPremiumMortalityOther Charges FMCGSTFund Value (EOY)SurrenderDeath Benefit

This calculator provides an educational estimate only. Mortality charges use a simplified, illustrative age-based rate table and are not a substitute for an insurer's actual rate card. Fund Management Charge, admin charges, and GST treatment are approximated and will vary by insurer and product. The lock-in period reflects the standard IRDAI-mandated 5-year ULIP lock-in. Tax treatment is based on Section 10(10D) rules as generally understood and is not tax advice — please consult a chartered accountant or licensed advisor, and refer to the official Benefit Illustration provided by the insurer, before purchasing.