# ULIP Calculator

One Time
Monthly
Yearly

### Monthly Investment

Enter value between 500 to 1 lakh
500 1 lakh

### I want to invest for (Years)

Enter value between 1 to 30
Entered value cannot be greater than stay invested for value
1 30

### I will stay invested for (Years)

Enter value between 15 to 30
1 30

### Expected return rate (P.A)

Enter value between 1 to 30
%
1 30
12l
2 Yrs
12l
4 Yrs
12l
5 Yrs
12l
6 Yrs
12l
8 Yrs
12l
10 Yrs
12l
12 Yrs
12l
14 Yrs
12l
15 Yrs
12l
16 Yrs
12l
18 Yrs
12l
20 Yrs
12l
22 Yrs
12l
24 Yrs
12l
25 Yrs
12l
26 Yrs
12l
28 Yrs
12l
30 Yrs
You Invest
₹17,761
over 10 years
You Get
₹ 9,57,568
after 10 years

## How to Calculate ULIP Returns?

There are two ways of measuring one’s ULIP returns. Illustrated below are both of these, along with the formulae:

1. Absolute Returns

Absolute returns of a ULIP investment refers to the increase in the value of its assets over a period. It can be negative, indicating depreciation, or positive, which signals an appreciation in the asset value.

If you are willing to calculate the absolute returns of a scheme, the only values you need are its initial NAV and current NAV.

Given below is the formula for calculating the same:

[(Current NAV – Initial NAV)/Initial NAV] × 100

The table given below will make the working of the above formula simple for you. In this example, consider the initial NAV to be ₹250, current ULIP NAV as ₹350. Hence, the absolute return will be 40% in a year.

 Parameter Value Initial NAV ₹250 Current ULIP NAV ₹350 Absolute returns 40%

2. Compounded Annual Growth Rate (CAGR)

Compounded annual growth rate is an indicator of an investment’s annual growth over a certain time period. There is a mathematical formula for calculating CAGR for ULIP, which uses a scheme’s end value, beginning value, and the number of years of investment.

This formula is as below:

{[(Current Value of NAV/Initial Value of NAV) ^ (1/Number of Years)] – 1} x 100

Going through the below-mentioned table will enable you to easily understand the working of the above formula. In this example, consider the initial ULIP NAV to be ₹25, and after five years the current ULIP NAV is ₹35. Hence, the CAGR in this case will be 6.96%.

 Parameter Value Initial NAV ₹25 Number of years 5 Current NAV ₹35 CAGR 6.96%