ULIP IRR Analyzer
Decode what your ULIP actually earns — after ALL 4 charges (allocation, FMC, admin, mortality).
Policy Details
Input your ULIP terms — we simulate year-by-year.
IRDAI cap 1.35% for equity
Yearly Charges Breakdown
Stacked — see how charges shift year over year.
Gross Growth vs Net Fund Value
The gap between the two lines IS your charges compounding away.
Cumulative Charges Breakdown
Where every rupee of charges went over 20 years.
Key Insights
Total charges of ₹7.84 L equal 52.2% of all premiums paid. Every rupee paid in charges is a rupee that never compounded for your goals.
Mortality charge rose 0.0× from Year 1 to Year 20 as you aged from 32 to 51. Insurance inside a ULIP gets more expensive every year, silently.
The first 5 years alone accounted for 9% of total charges — ₹74,364. Early-year drag hurts most because it robs your largest compounding years.
Same outlay in a regular-plan equity MF (TER 1.7%) would have matured at ₹64.42 L post-tax — a -₹7,83,139 delta vs this ULIP. Add a separate term plan for actual life cover.
IRR is the only honest ULIP metric.
Agents sell ULIPs by quoting fund NAV returns or "gross" illustrations. But your real return is the IRR — the discount rate that ties your actual outflows (premiums) to your final inflow (maturity). For this policy, the gap between the 12% gross return and your 10.39% realized IRR is 1.61 percentage points of lost compounding every single year — that is the real cost of bundling insurance with investment. before renewing or buying a ULIP, run the IRR — then compare with a term-plan + MF split.
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Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns. ULIP charges used here are typical industry averages — actual policy charges vary by insurer, product, age, and fund option. Mortality rates shown are illustrative for a healthy non-smoker (smoker loading 1.4×). Use your policy benefit illustration for exact figures.
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Trustner Asset Services Pvt. Ltd. · AMFI ARN-286886 · No obligation, no charges