Unit Linked Insurance Plan (ULIP) Calculator

What Is an Online ULIP Calculator?

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.



Initial NAV


Current ULIP NAV


Absolute returns


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%.



Initial NAV


Number of years


Current NAV




Why Should You Use a ULIP Return Calculator?

Features and Benefits of ULIP Return Calculator

Frequently Asked Questions