ULIP vs Mutual Fund Comparator
Compare ULIPs with Mutual Funds after accounting for all charges, taxes, and insurance costs.
Quick Summary: ULIP vs Mutual Fund Comparator
In FY 2026-27, ULIPs offer tax-free maturity under Section 10(10D) for premiums up to ₹2.5 Lakh. Mutual Funds, however, often provide higher net returns due to lower expense ratios, even after the 12.5% LTCG tax on gains above ₹1.25 Lakh.
How to use the ULIP vs Mutual Fund Comparator
- 1
Enter Investment
Input your planned annual or monthly investment amount.
- 2
Account for Charges
Enter ULIP specific charges like mortality and policy admin fees.
- 3
Apply Tax Rules
Select the applicable tax regime for both ULIP maturity and Mutual Fund capital gains.
- 4
Analyze Yield
Compare the final maturity corpus and net-of-tax CAGR for both instruments.
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Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.