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ULIP vs Mutual Fund + Term — Premium & Benefit Breakup

Compare the projected corpus and insurance benefit when the same premium/outflow is used either as ULIP (combined) or split as Mutual Fund + Term insurance. English + Telugu labels. Inputs below.

ULIP inputs • ULIP వివరాలు
If provided, death benefit (ULIP) shown as max(fund value, sum assured). ఇవ్వనిపక్షం ఖాళీ వదిలేయండి.
Fixed admin/feecharges per year (approx). Optional.
Mutual Fund + Term inputs • MF + Term వివరాలు
If frequency = monthly, this is monthly term premium; if yearly, yearly premium. ఇది MF+Term లోనున్న ప్రీమియం భాగం.
Note: These are estimates — ULIP products have complicated charge structures and death benefits that vary by contract. Term insurance pays only on death; MF has no life cover. ఫలితాలు అంచనాలే.

Comparison Results • ఫలితాలు

Projected corpuses, total premiums paid, assumed death benefits, and net benefit breakup shown below.

No comparison yet. Click Compare to run the projection. Generate చేసి ఫలితాలు చూడండి.
Designed for Elementor • Responsive • English + Telugu

How to use — Premium vs Benefit Breakup

Compare ULIP (investment + insurance) vs Mutual Fund + Term (investment + pure risk). ఇక్కడి లోపు ULIP మరియు MF+Term వేరుగా పోల్చండి.
1

Enter total outflow • మొత్తం ప్రీమియం / అవుట్‌ఫ్లో నమోదు చేయండి

Provide amount you pay (monthly or yearly). ఈ మొత్తం ULIP లేదా MF+Term రెండింటికీ సమానంగా ఉపయోగిస్తాం.

2

Fill ULIP parameters • ULIP రాబడి & ఛార్జెస్ నమోదు చేయండి

Enter expected gross return and annual charge % (plus any fixed admin charge). ఈ విలువల వల్ల ULIP ఫండ్ తగ్గును ప్రభావితం చేస్తుంది.

3

Fill MF + Term split • MF రాబడి & టర్మ్ ప్రీమియం నమోదు చేయండి

Provide MF expected return and the Term premium you would pay (per period) — remaining amount goes to MF investment.

4

Run comparison & download • పోల్చి ఫలితాలు డౌన్లోడ్ చేయండి

Click Compare to see projected corpuses, assumed death benefits and totals. Use Download CSV to save summary.

Quick notes & tips • ముఖ్య సూచనలు
• ULIP fund = FV of contributions after deducting percentage charges and fixed admin fees.
• MF fund = FV of investible portion after expense ratio adjustment; Term pays sum-assured only on death.
• Compare both corpus and insurance benefit (ULIP death benefit vs Term SA).
• Example: If total ₹10,000/mo and Term premium ₹800/mo → ₹9,200 invests in MF vs full ₹10,000 into ULIP (subject to charges).

Example • ఉదాహరణ: Enter ₹10,000/month, tenure 15 yrs, ULIP gross 8% & charges 1.2% vs MF 10% ER 0.2% + Term ₹800/month → Compare to see corpus & death benefit.

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