Term Plan: Regular Pay + SIP vs Limited Pay
Prove that Regular Pay + SIP beats Limited Pay — see your bonus corpus at maturity
Plan Comparison
Policy Details
Same life cover for both Regular & Limited Pay plans
Premium Frequency
Return Rates
SIP growth rate during Yr 1–Yr 10
Corpus growth rate during Yr 11–Yr 30
Your SIP Amount
₹15,000/yr
Premium difference (₹30,000 − ₹15,000) invested in SIP
Regular Pay + SIP wins by ₹8.01 L
After funding all regular premiums from Yr 11 to Yr 30, you still have a bonus corpus of ₹8.01 L at maturity.
Regular Pay + SIP
Life Cover
₹1.00 Cr
Total Premiums Paid
₹4.50 L
SIP Corpus at Switch
₹3.07 L
Total SIP Invested
₹1.50 L
Limited Pay
Life Cover
₹1.00 Cr
Total Premiums Paid
₹3.00 L
Premium Period
10 Years
No SIP Corpus
₹0
Your Bonus
Corpus at Maturity
₹8.01 L
Premiums Funded by SIP
₹3.00 L
Corpus Sustains
Full 30 Years
Policy TimelineLife Cover: ₹1.00 Cr
Regular Pay + SIP vs Limited Pay
Year-by-year comparison with life cover reference
SIP Corpus Journey
Year-by-Year Breakdown
| Year | Phase | Regular Premium | Limited Premium | SIP / Withdrawal | Interest | Corpus |
|---|---|---|---|---|---|---|
| 1 | SIP | ₹15,000 | ₹30,000 | +₹15,000 | +₹1,902 | ₹16,902 |
| 2 | SIP | ₹15,000 | ₹30,000 | +₹15,000 | +₹4,046 | ₹35,948 |
| 3 | SIP | ₹15,000 | ₹30,000 | +₹15,000 | +₹6,462 | ₹57,410 |
| 4 | SIP | ₹15,000 | ₹30,000 | +₹15,000 | +₹9,183 | ₹81,593 |
| 5 | SIP | ₹15,000 | ₹30,000 | +₹15,000 | +₹12,250 | ₹1.09 L |
| 6 | SIP | ₹15,000 | ₹30,000 | +₹15,000 | +₹15,706 | ₹1.40 L |
| 7 | SIP | ₹15,000 | ₹30,000 | +₹15,000 | +₹19,601 | ₹1.74 L |
| 8 | SIP | ₹15,000 | ₹30,000 | +₹15,000 | +₹23,989 | ₹2.13 L |
| 9 | SIP | ₹15,000 | ₹30,000 | +₹15,000 | +₹28,934 | ₹2.57 L |
| 10 | SIP | ₹15,000 | ₹30,000 | +₹15,000 | +₹34,506 | ₹3.07 L |
| 11 | SWP | ₹15,000 | — | −₹15,000 | +₹25,446 | ₹3.17 L |
| 12 | SWP | ₹15,000 | — | −₹15,000 | +₹26,313 | ₹3.28 L |
| 13 | SWP | ₹15,000 | — | −₹15,000 | +₹27,252 | ₹3.41 L |
| 14 | SWP | ₹15,000 | — | −₹15,000 | +₹28,269 | ₹3.54 L |
| 15 | SWP | ₹15,000 | — | −₹15,000 | +₹29,370 | ₹3.68 L |
| 16 | SWP | ₹15,000 | — | −₹15,000 | +₹30,563 | ₹3.84 L |
| 17 | SWP | ₹15,000 | — | −₹15,000 | +₹31,855 | ₹4.01 L |
| 18 | SWP | ₹15,000 | — | −₹15,000 | +₹33,254 | ₹4.19 L |
| 19 | SWP | ₹15,000 | — | −₹15,000 | +₹34,769 | ₹4.39 L |
| 20 | SWP | ₹15,000 | — | −₹15,000 | +₹36,409 | ₹4.60 L |
| 21 | SWP | ₹15,000 | — | −₹15,000 | +₹38,186 | ₹4.83 L |
| 22 | SWP | ₹15,000 | — | −₹15,000 | +₹40,111 | ₹5.08 L |
| 23 | SWP | ₹15,000 | — | −₹15,000 | +₹42,195 | ₹5.36 L |
| 24 | SWP | ₹15,000 | — | −₹15,000 | +₹44,452 | ₹5.65 L |
| 25 | SWP | ₹15,000 | — | −₹15,000 | +₹46,897 | ₹5.97 L |
| 26 | SWP | ₹15,000 | — | −₹15,000 | +₹49,544 | ₹6.31 L |
| 27 | SWP | ₹15,000 | — | −₹15,000 | +₹52,411 | ₹6.69 L |
| 28 | SWP | ₹15,000 | — | −₹15,000 | +₹55,516 | ₹7.09 L |
| 29 | SWP | ₹15,000 | — | −₹15,000 | +₹58,879 | ₹7.53 L |
| 30 | SWP | ₹15,000 | — | −₹15,000 | +₹62,521 | ₹8.01 L |
Key Numbers
Life Cover
₹1.00 Cr
Premium Saved
₹1.50 L
SIP Corpus at Switch
₹3.07 L
Premiums Funded
₹3.00 L
Bonus at Maturity
₹8.01 L
How This Calculator Works
Accumulation Phase
You pay Regular Pay premium and invest the difference (₹15,000/yr) as SIP for 10 years at 12% returns.
Distribution Phase
From Yr 11, the SIP corpus funds Regular Pay premiums (₹15,000/yr) while growing at 8%.
Expert Insights
The power of compounding makes even small premium differences grow into substantial corpora over 10-15 years of SIP accumulation.
Both Regular Pay and Limited Pay offer identical life cover of ₹1.00 Cr. The only difference is how you pay — and where your money works harder for you.
Market returns are not guaranteed. The accumulation phase uses equity-based growth — actual returns may vary. Use conservative estimates for planning.
Talk to a Trustner financial advisor to find the right SIP strategy and term plan combination based on your risk profile and goals.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns. The information provided on this platform is for educational purposes only and should not be considered as financial advice. Please consult a qualified financial professional before making investment decisions.