- Premium amount (₹): మీ regular premium enter చేయండి — Monthly లేదా Annual frequency ఎంచుకోండి. (ఉదా: ₹5,000 monthly)
- Policy Term (Years): క్రితం policy period ఎంచుకోండి. ఇది maturity వరకూ fund growth ను చూపిస్తుంది. (ఉదా: 10–20Years)
- Sum Assured (optional): Mortality charge కోసం అవసరమైతే Sum Assured నమోదు చేయండి — ఇది insurance cost (mortality) లో ఉపయోగిస్తారు.
- Expected Gross Fund Return (% p.a.): మీరు ఊహించే average annual fund return ఇవ్వండి — conservative గా estimate చేయండి (e.g., 6–10%).
- Fund Management Charge (FMC % p.a.): FMC policyలో చెప్పబడినట్లు ఇవ్వండి — ఈ charge fund నుంచి వార్షికంగా తీసుకుంటారు.
- Premium Allocation Charge (%): ప్రతి premium పై upfront allocation charge ఉంటుంది — అది ఎంత ఉంది అనే ఇక్కడ నమోదు చేయండి (product ఆధారంగా వుంటుంది).
- Policy Admin Charge (₹/month): Policy admin మార్గంగా monthly fixed charge ఉంటే నమోదు చేయండి.
- Mortality Charge (₹ per ₹1,000 SA / year): Mortality charge ఉదాహరణ కోసం ఇవ్వండి — ఇది yearly deduction అవుతుంది.
- Click “Calculate” → మీరు పొందుతారు:
• Total contributions made (sum of premiums)
• Fund value at maturity (net of FMC, admin, mortality)
• Total charges paid (allocation + FMC + admin + mortality)
• Net gain and annualised XIRR on your cashflows
• Year-wise table with end-of-year fund snapshots - Use “Reset” to try different assumptions (returns, FMC, allocation) and compare outcomes quickly.
Tip: Small changes in FMC or allocation charge significantly affect long-term ULIP returns. Compare products on net returns (after all charges), not only headline returns.
Quick Tips — చిట్కాలు
Allocation Charge: High allocation reduces early invested amount — prefer lower allocation (or products with higher first-year allocation to fund).
FMC (Fund Management Charge): Even 0.5–1% extra FMC reduces long-term corpus — check FMC on fund factsheet.
Mortality & Admin: Mortality charge depends on SA and age — for small SA these are minor, but check yearly impact.
Frequency: Monthly SIP-like premiums vs Annual lumps make timing differences — calculator models monthly compounding for monthly premiums.
One-liner to show above calculator:
“Enter premium, frequency, term, expected return, FMC, allocation & admin/mortality charges → Click Calculate to see fund value, charges & annualised return (English + Telugu mix).”
