Investment Plan Price List In India 2024

Updated On: 2023-10-21

Author : Team Policybachat

Investing in life insurance is a prudent financial decision that offers both protection and wealth creation. In India, the life insurance sector provides a wide range of investment plans tailored to suit diverse financial goals and risk appetites. These plans not only secure the future of your loved ones but also serve as avenues for long-term financial growth. To make an informed choice when it comes to these investment plans, it's essential to understand the Investment Plan Price List in India.

This article provides the different types of investment plans available in India, their respective price ranges, the critical considerations that influence your choice, and how to calculate the premiums associated with these plans. Whether you're looking for traditional life insurance plans, unit-linked insurance plans (ULIPs), pension plans, or child plans, this will help you to make well-informed financial decisions that align with your aspirations. Understanding the investment plan price list is the first step toward securing your financial future while simultaneously enjoying the benefits of life insurance.

What is the Investment Plan Price?

An investment plan is a type of policy that not only provides financial protection in case of the policyholder's demise but also serves as a vehicle for long-term savings and wealth accumulation. The term Investment Plan Price typically refers to the cost or premium that an individual or policyholder needs to pay to purchase or invest in a specific type of investment plan.

The Investment Plan Price is essentially the regular or one-time payment that the policyholder is required to make to the insurance provider in exchange for the benefits provided by the investment plan. This price can vary depending on the type of investment plan chosen, the sum assured, the policy term, the age and health of the insured individual, and other factors. The price may be paid as a premium on a single, monthly, quarterly, semi-annual, or annual basis.

Types of Investment Plans, Prices, Features & Benefits

Different types of investment plans may have varying premium structures and price ranges. The specific price of an investment plan will depend on the insurance company, the chosen policy, and the details of the policyholder's circumstances. Understanding the price ranges, key features, and benefits of these investment plans is crucial for making informed financial decisions. Here are the types of investment plans and their price list in India.

Endowment Plans:

These plans offer a combination of insurance and savings. Policyholders pay regular premiums, and upon maturity or in case of the policyholder's demise, a lump sum amount is paid. Endowment plans provide a guaranteed return on investment, making them a low-risk option.

Key Features & Benefits:

  • Maturity Benefit: Policyholders receive a lump sum amount at the end of the policy term.
  • Death Benefit: In the event of the policyholder's demise, the sum assured is paid to the nominee.
  • Additional Bonus: Many endowment plans offer annual bonuses, further enhancing the returns.

Illustration Prices and Returns

  • Type of Plan:Endowment Plan
  • Age: 30 Years
  • Amount of Investment: 22,000/- Per Month
  • Premium Payment Frequency: Monthly
  • Premium Payment Term: 5 Years
  • Pay-out Period: 20 Years
  • Policy Term: 5 Years


  • Total Amount Invested in 5 Years: 13 Lakhs
  • Get Guaranteed Returns of Rs. 35 Lacs at the age of 55 years or get 90K per year as a Guaranteed Income + 15 Lacs lump sum  amount at the age of 55 years

Money-Back Plans:

Money-back plans offer periodic payouts during the policy term, providing liquidity at various stages. These plans also provide life coverage, ensuring financial security for the family.

Key Features & Benefits:

  • Periodic Returns: Policyholders receive a percentage of the sum assured at regular intervals.
  • Survival Benefits: A portion of the sum assured is paid at defined intervals.
  • Maturity Benefit: If the policyholder survives the policy term, the balance of the sum assured is paid.

Illustration Prices and Returns

  • Type of Plan:Money Back Policy
  • Age: 30 Years
  • Sum Assured: 2 Lakhs
  • Premium Payment Frequency: Monthly
  • Premium: Rs. 1000/- per Monthly
  • Premium Payment Term: 20 Years
  • Survival Benefit Pay-out Period: 5 Years
  • Policy Term: 20 Years


  • Get Maturity Benefit of Rs. 3 Lacs + bonuses after 20 years.
  • Get Survival Benefit of Rs. 40k for every 5 years.
  • If the policyholder passes way get a Death Benefit of 2 Lakhs irrespective of the survival benefits already paid out.

Unit-Linked Insurance Plans (ULIPs):

ULIPs combine investment with insurance. Policyholders have the flexibility to invest in equity, debt, or hybrid funds, allowing them to participate in market-linked returns. ULIPs offer a life cover, making them a popular choice for individuals seeking both investment opportunities and financial protection.

Key Features & Benefits:

  • Investment Component: Policyholders have the flexibility to choose from different investment funds and participate in market-linked returns.
  • Insurance Component: ULIPs offer a life cover, ensuring financial security for the family.

Illustration Prices and Returns

  • Type of Plan:ULIP Plan
  • Age: 30 Years
  • Premium Payment Frequency: Annual
  • Policy Term: 10 Years
  • Premium Payment Term: 10 Years
  • Premium: 25K per Year


  • Get a Maturity Benefit of Rs. 3.5 Lacs at the end of the policy term ( maturity amount is based on the fund allocation)
  • Get a Death Benefit of 2.5 Lakhs

Pension Plans

Pension plans also known as retirement plans, are designed to provide financial security during one's retirement years. Policyholders make regular premium payments during the accumulation phase. Upon retirement, they receive regular pension income through various annuity options.

Key Features & Benefits:

  • Pension plans offer tax benefits and long-term financial planning opportunities.
  • Accumulation Phase: During this phase, policyholders make regular premium payments, benefiting from tax advantages.
  • Distribution Phase: Upon retirement, policyholders receive regular pension income through various annuity options.

Illustration Prices and Returns

  • Type of Plan:Pension Plan
  • Age: 45 Years
  • Premium: 1 Lakh
  • Premium Payment Frequency: Annual
  • Premium Payment Term: 5 Years
  • Annity Frequency: Annual


  • Get an Annuity amount of Rs. 32k per year after completion of the premium payment term (regular income for the whole life).

Child Plans

Child plans are specialized policies that secure a child's financial future. These plans address important milestones like education and marriage. They provide payouts at different stages of the child's life and often come with premium waiver riders, ensuring the plan continues even in the absence of the policyholder.

Key Features & Benefits:

  • Child's Future Financial Needs: These plans address milestones like education, marriage, and other significant life events.
  • Survival and Maturity Benefits: They offer payouts at different stages of the child's life.
  • Premium Waiver Riders: In case of the policyholder's demise, future premiums are waived, ensuring the plan continues for the child's benefit.

Illustration Prices and Returns

  • Type of Plan:Child Plan
  • Age: 18 Years
  • Premium: 1 Lakh
  • Premium Payment Frequency: Annual
  • Premium Payment Term: 5 Years
  • Policy Term: 5 Years
  • Guaranteed Income Frequency: Annual
  • Income Period: 10 Years


  • Get survival benefits of Rs.66k (annually) after the end of the policy term.
  • Get Rs.15 Lacs of the death benefit in case of policyholder death

Best Investment Plan Price Calculator in India

PolicyBachat is a reputable online platform for insurance and investment products in India. They offer an investment calculator that allows you to calculate the premium for various investment and insurance plans. Where you can easily compare and contrast different plans, choose the best one for your needs, and save money and time in the process. Here are the steps to use an investment plan calculator online:

  • Visit the official website of the PolicyBachat
  • Click on the Investment Plan tab
  • Fill in the requested details such as name, mobile number, and email address
  • Enter your age and city
  • Select your desired investment plan from the various plans.
  • Calculate the returns and premiums, and more.
  • Then you should select a plan which suits your requirements.
  • Pay for your policy by using an online payment method.

Investment Plan Calculator

Top 10 Best Investment Plans in India

Company Name Plan Name Policy Term
HDFC Life Insurance Sanchay Fixed Maturity Plan  5 to 40 Years Invest Now
Aditya Birla Capital Life Insurance Assured Income Plus Plan 5 to 17 Years Invest Now
ICICI Prudential Life Insurance Guaranteed Income For Tomorrow Plan 5 to 20 Years Invest Now
Kotak Life Insurance Guaranteed Savings Plan 5 to 20 Years Invest Now
Bajaj Allianz Life Insurance Guaranteed Pension Goal 1 Year to 10 Years Invest Now
Canara HSBC OBC Life Insurance Guaranteed Income4Life 5 to 15 Years Invest Now
Max Life Insurance Smart Wealth Plan 5 to 20 Years Invest Now
AEGON Life Insurance iGuarantee Plan 7 to 20 Years Invest Now
Edelweiss Tokio Life Insurance Income Builder 6 to 12 Years Invest Now
PNB MetLife Insurance Guaranteed Future Plan 12 to 40 Years Invest Now

Factors Affecting Investment Plan Prices

The pricing of investment plans in India is affected by various factors. Understanding these factors is crucial for individuals to make informed decisions when choosing the right investment plan. Here are some key factors that affect investment plan prices in India:

  • Age of the Insured
  • Gender of the Insured
  • Sum Assured
  • Policy Term
  • Premium Payment Term
  • Type of Investment Plan
  • Premium Payment Frequency
  • Geographic Location
  • Market Conditions
  • Insurance Company

It's important to note that different insurance providers may weigh these factors differently in their premium calculations. Therefore, it's advisable to compare investment plans at PolicyBachat to compare multiple insurers and find the one that best suits your financial goals and budget.

10 Tips to Get the Best Investment Plan with High Returns

Investing in life insurance for high returns involves careful planning and consideration of various factors. Here are some tips to help you find the best investment plan with high returns in India:

  1. Set Clear Financial Goals: Before choosing an investment plan, define your financial objectives. Whether you're saving for retirement, a child's education, or wealth accumulation, clear goals will guide your investment decisions.
  2. Assess Your Risk Tolerance: Understand your risk tolerance. High-return investments often come with higher risk. Assess how comfortable you are with potential fluctuations in the value of your investments.
  3. Understand Different Investment Plans: Research the various types of investment plans available in the market, including endowment plans, ULIPs, and pension plans. Understand their features, benefits, and associated risks.
  4. Compare Investment Plans: Compare multiple investment plans from different insurance providers. Look at factors like premium costs, fund management charges, and potential returns. Online insurance aggregators like PolicyBachat can be helpful for comparisons.
  5. Consider ULIPs: Unit-Linked Insurance Plans (ULIPs) offer the potential for high returns due to their investment component. Evaluate the available fund options and select those aligned with your risk tolerance and goals.
  6. Read the Policy Document Carefully: Carefully read the policy document, including the fine print, terms, and conditions. Ensure you understand the investment options, charges, and any limitations.
  7. Tax Benefits: Explore the tax benefits associated with investment plans in India. Many insurance plans offer tax deductions under Section 80C of the Income Tax Act, and the returns may also be tax-free under Section 10(10D).
  8. Invest for the Long Term: High-return investments often require a longer investment horizon. Consider keeping your funds invested for an extended period to benefit from compounding and market cycles.
  9. Emergency Fund: Ensure you have an emergency fund in place before investing in high-return plans. This fund should cover your living expenses for several months and provide a safety net in case of unexpected financial setbacks.
  10. Stay Informed: Stay updated on the latest financial news and market trends. Being informed can help you make timely adjustments to your investment strategy.


The investment plan price list serves as a gateway to achieving financial stability and realizing your long-term aspirations. Whether you're looking to secure your family's future, grow your wealth, or plan for retirement or your child's education, PolicyBachat offers an extensive array of options to help you on your financial journey. By making informed decisions and staying attuned to your evolving financial needs, you can find the best way toward a more secure and prosperous future.

Compare quotes now at PolicyBachat for a brighter financial future with the best returns on investment plans.

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