ULIP Maturity Returns Online

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3 min
29-May-2025

When it comes to investing for the future, many people want two things — steady wealth creation and financial security for their family. That’s where ULIPs (Unit Linked Insurance Plans) come in.

They combine market-linked investment with life insurance protection. And when your policy matures, you receive your ULIP maturity returns — a lump sum that reflects your disciplined investing and smart fund management.

Wondering how much your ULIP could return? Or how to claim it easily online? This guide breaks it down in simple terms.

How to calculate ULIP maturity returns?

Know what to expect — and how to optimise your returns

Your ULIP maturity amount isn’t random. It depends on how your chosen funds perform over time and how long you stay invested. Understanding this can help you plan your goals better.

Key factors that influence ULIP returns:

  • Fund performance: Your ULIP returns depend on whether you invest in equity, debt, or balanced funds — and how those funds perform in the market.
  • Premium payment tenure: The longer you stay invested, the more your money compounds over time.
  • Market conditions: ULIPs are market-linked, so returns may vary depending on when you invest and redeem.
  • Fund management charges: A portion of your returns is used for fund management, so choosing cost-efficient plans helps.

ULIP maturity formula:

Maturity amount = Total units allocated × NAV (Net Asset Value) at maturity

Want to see how much you could earn? Explore ULIP plans, check your premium, and get a quote in seconds.

Key benefits of ULIP maturity returns

ULIPs offer more than just an insurance payout. If you have chosen your funds well and stayed invested long enough, your maturity amount can become a solid financial cushion.

Top reasons to consider ULIP maturity benefits:

  • Wealth creation: Your investments in market-linked funds grow over time — ideal for long-term goals.
  • Tax-free returns (T&Cs apply): If your annual premium is under Rs. 2.5 lakh, your maturity proceeds can be tax-exempt under Section 10(10D).
  • Built-in life cover: Even as your money grows, your family stays protected through life insurance coverage.
  • Fund flexibility: You can switch between debt and equity funds based on market trends and risk appetite.
  • Partial withdrawals: After the 5-year lock-in, you can withdraw funds for emergencies without ending the plan.

Insure, invest, and grow — explore ULIP plans tailored to your goals. Get a personalised quote today!

Ideal practices for maximising ULIP maturity returns

A ULIP is not just a passive investment. With smart choices, you can unlock even greater value at maturity — both in returns and tax savings.

Strategic moves that make a big difference over time. Here’s how to boost your ULIP maturity value:

  • Choose funds aligned with your goals: Equity for higher returns, debt for safety, or balanced for stability.
  • Stay invested for the long term: Compounding works best when you stay invested for 10+ years.
  • Review fund performance regularly: ULIPs let you switch funds — use this flexibility to optimise returns
  • Use tax benefits wisely: Keep your annual premium below Rs. 2.5 lakh to enjoy tax-free maturity.
  • Avoid early withdrawals: Let your funds grow uninterrupted unless absolutely necessary.

Track your investment, stay flexible with funds, and check your performance regularly. Plan smarter today — compare fund options and check your potential returns instantly. Check plans and get quote to start!

How to claim ULIP maturity returns online?

Gone are the days of lengthy paperwork. Today, claiming your ULIP maturity proceeds is easy and entirely digital.

Step-by-step process to access your ULIP maturity amount hassle-free:

  1. Check the policy maturity date: Ensure your ULIP has completed the full term.
  2. Log in to the insurer’s website: Use your registered ID to access your policy dashboard.
  3. Upload required documents: Submit proof of identity, original policy document, and bank details.
  4. Verify NAV-based fund value: Check how much your investment has grown before finalising the claim.
  5. Request payout online: Confirm details and initiate payout. The amount will be credited directly to your bank account.

Pro Tip

Create wealth and meet your financial goals with a ULIP investment plan, start investing from Rs. 3,000/month.

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Conclusion

ULIPs are designed for long-term financial growth — blending investment, insurance, and tax-saving into one powerful product. By understanding how ULIP maturity returns are calculated and how to claim them online, you’re taking a smart step toward financial freedom.

Whether you are saving for your child’s education or your retirement, your maturity proceeds can help you reach that milestone faster.

Don’t leave your future to chance. Compare ULIP plans → Check Returns → Get Instant Quote today!

Frequently asked questions

What factors determine ULIP maturity returns?
ULIP maturity returns depend on fund performance, premium tenure, market conditions, and fund management charges. Staying invested long-term and selecting the right fund allocation can help maximise returns.

Can I withdraw my ULIP maturity proceeds online?
Yes, ULIP maturity proceeds can be withdrawn online through the insurer’s portal. The process involves submitting necessary documents and verifying the final fund value before requesting the payout.

Can I switch funds within my ULIP to improve returns?
Yes, ULIPs offer fund-switching options, allowing investors to move between equity and debt funds. Monitoring market trends and adjusting fund allocations can help maximise returns over time.

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Disclaimer

*T&C Apply. Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited), HDFC Life Insurance Company Limited, Life Insurance Corporation of India (LIC), Bajaj General Insurance Limited(Formerly known as Bajaj Allianz General Insurance Company Limited), SBI General Insurance Company Limited, ACKO General Insurance Company Limited, HDFC ERGO General Insurance Company, TATA AIG General Insurance Company Limited, ICICI Lombard General Insurance Company Limited, New India Assurance Limited, Chola MS General Insurance Company Limited, Zurich Kotak General Insurance Company Limited, Star Health & Allied Insurance Company Limited, Care Health Insurance Company Limited, Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure & policy wordings carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also distributor of other third party products from Assistance service providers such as CPP Assistance Services Private Limited, Bajaj Finserv Health Limited. etc. All product information such as premium, benefits, exclusions, value added services etc. are authentic and solely based on the information received from the respective Insurance company or the respective Assistance provider company.

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