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Investment Plans for NRIs in UAE

When it comes to migration to a different country, the UAE is one option for many Indians. For obvious reasons, the United Arab Emirates is indeed a popular choice for many. Read More

Whether it is about the lifestyle, the infrastructure of the country, healthcare services, amenities, etc., the UAE is a popular country in many ways. However, even after shifting to a different country like the UAE, people have the zeal to stay connected with their roots.

As an NRI (Non-Resident Indian) living in the UAE, your investment opportunities in India are still open. Not only do they let you create a corpus, but they also keep you connected with India. When it comes to investment plans for NRIs in the UAE, there are several options for you. In this guide, we will explore all that you need to know about the investment plans for NRIs in the UAE. So, get set to diversify your global investment portfolio. Read Less

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Keep these Documents Handy
Photo	Colored Photo
PAN Card	PAN Card/ Form 60
Age proof (Any one)	Passport Aadhar card Driver’s License Birth Certificate Baptism Certificate of PAN card
Income documents (Any one)	Last 6 months Bank statement with salary credit Form 16 Last 3 years ITR with Computation of Income (COI) Last 3 months salary slip + Last 6 months bank statement showing salary credited
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^*Above illustration is for Bajaj Life eTouch- A Non-Linked, Non-Participating, Individual Life Insurance Term Plan(UIN:116N172V04) considering Male aged 22 years | Non-Smoker | Policy Term (PT)– 30 years | Premium Payment Term(PPT)– 30 years | Sum Assured opted is Rs. 5,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 18,038. 2nd Year onwards premium Rs. 19,257. Total Premium Paid is Rs. 5,76,491 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 45, Income Payout Percentage: 55) | Premium shown above is inclusive of Online Discount only and exclusive of Goods & Service Tax/ any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.

^**The output generated through calculator are on the basis of the data inputted by you and is being provided to you solely for your reference purpose and not to be construed as investment advice. Please seek independent advice from your insurance consultant before making any investment decisions. While proper caution has been taken in designing this calculator, Bajaj Life Insurance Limited. assumes no liability for the accuracy of the information and data provided in this tool.

^##Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

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S No.

Value Added Service

Frequency

Cost (₹)

Doctor Teleconsultations

Consultation per month
= 24 consultations per year

Average cost per session = ₹500
Total cost per year = ₹500 * 2 * 12 = ₹1200

Network Discounts
Medicines (M) - 10%, Lab Booking (L) - 10%,
In-Patient Hospitalization (P)- 5%,
Out-Patient Consultation (O) - 10%

Throughout the year

Assumption - Total Expenses of these throughout the Year	Total Discounts that can be availed throughout the year
M - ₹5,000	₹500
L - ₹5,000	₹500
O - ₹5,000	₹500
P - ₹10,000	₹500

Total per year as per assumptions

₹ 14,000

Note: The above mentioned costs are based on estimated average market price for respective services.

Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited) | IRDAI Reg no. 116

Written ByPalak Bagadia

AboutPalak Bagadia

Palak Bagadia, Associate – Digital Marketing at Bajaj Life Insurance, with experience spanning content and performance marketing, recruitment, employee engagement in the BFSI industry, with a strong understanding of the insurance sector.

Reviewed ByRosy Pathak

AboutRosy Pathak

Rosy Pathak, AVP- Product and Brand Marketing at Bajaj Life Insurance carries over 17 years of experience in Marketing and a demonstrated history of working in the insurance industry. She is skilled in Product Management, Planning and Strategy, Project Management, Marketing and Communication.

Date Published : 6th June 2025

Date Modified : 30th March 2026

What are Investment Plans for NRIs?
Types of Investment Plans for NRIs in UAE
Key Features of Investment Plans for NRIs in the UAE
Benefits of Investment Plans for NRIs in the UAE
Reasons to Buy NRI Investment Plans
How can NRIs in the UAE invest in India?
Eligibility criteria for NRIs in the UAE to invest in India
Key Takeaways
Conclusion
Why Bajaj Life Insurance ?
FAQs

What are Investment Plans for NRIs?

An investment plan for NRIs is a financial tool that lets Indians living abroad invest in financial instruments in India. These plans are structured to support different purposes like wealth creation, retirement planning or building assets back home. NRIs may choose from life insurance plans, equities, mutual funds, fixed deposits, , real estate or pension schemes, according to their goals.

The best investment, however, will not be the same for everyone. It can change with income stability, risk tolerance and time horizon. For example, fixed deposits and bonds may appeal to someone who needs security. Whereas growth-oriented investors may benefit from investing in stocks, start-ups or real estate. The right approach can help NRIs grow their money as well as keep financial ties in India.

Types of Investment Plans for NRIs in UAE

NRIs have a multitude of options available for investment in India. Being one of the fastest-growing economies, India can offer massive returns and growth opportunities. You may choose from a range of options available in life insurance, mutual funds, equities, fixed deposits (FDs), real estate, gold investments, and many more. Check out some of the most sought-after investment plans for NRIs in the UAE:

NRI investment options
1. Direct Equity
  
  NRIs invest in the Indian stock market directly for higher returns associated with risk over the long term. NRI investors can purchase the shares of a company listed on the National Stock Exchange, Bombay Stock Exchange or both.
2. Mutual Funds
  
  NRIs can also invest in mutual fund options, which extend to equity, debt, or hybrid fund investments and are managed by professional asset managers. Investment in mutual funds for NRIs can be more convenient and profitable over the long term.
3. Real Estate
  
  NRIs can also invest in commercial and residential real estate properties in India and get higher returns in the long term. Investment in real estate is considered one of the best investment options for NRIs.
4. National Pension Scheme
  
  The NPS is a long-term retirement savings scheme which allows individuals to contribute regularly towards their retirement savings while they are employed. It is regulated by the Pension Fund Regulatory and Development Authority (PFRDA) and is one of the best investment options for NRIs planning their retirement in India.
NRI investment options with low risks
1. Savings/ Endowment Insurance Plans
  
  NRIs looking for investment options in India with low risk can consider investing in savings or endowment insurance policies, which offer the dual benefits of life insurance coverage for the entire tenure of the policy and a savings element. The plans provide a death benefit if the life assured passes away during the policy tenure. This helps the family meet the financial loss suffered and meet its financial goals. On the other hand, if the life assured survives the policy tenure, a maturity benefit is paid. This benefit creates a savings corpus that allows policyholders to plan for their financial goals. Persons of Indian Origin (PIOs) and Overseas Citizens of India (OCI) can use life insurance to ensure their loved ones in India stay financially secure.
  
  Endowment assurance plans can also be offered as child plans or pension plans, which help you plan for specific goals.
2. Money-back Insurance Plans
  
  Money-back insurance plans are like endowment plans but with a difference. Under these plans, the sum assured is usually paid in the form of instalments at specified intervals during the policy tenure. This payment is called the money-back benefit, and it creates liquidity under the policy. The death benefit remains undisturbed and is paid in full irrespective of the money-back benefits paid under the plan. On maturity, the remaining sum assured is paid.
  
  Money-back plans might be offered as participating plans which earn a bonus. The bonus additions help in enhancing the benefits of the policy and create a good corpus for your financial goals.
3. Fixed Deposit
  
  NRIs can also park their funds in fixed deposits to earn interest. Fixed Deposit is ideal for conservative investors. NRIs can choose to invest in NRO Fixed Deposit accounts, NRE Fixed Deposit accounts or Foreign Currency Non-Resident (FCNR) Fixed Deposit.
4. Public Provident Fund (PPF)
  
  PPF is a long-term savings scheme backed by the Indian government that offers fixed, guaranteed returns higher than regular savings accounts and tax benefits. NRIs planning for long-term financial goals such as their retirement or their children's education, can benefit from accumulation in PPF. The NRIs cannot open new PPF accounts but can continue their existing PPF accounts until maturity if any.
5. Money Market Instruments
  
  Money Market Instruments are short-term financial instruments such as Commercial Papers, Treasury Bills, etc., involving lower risk and high liquidity. NRIs are to invest in these securities on a repatriable or non-repatriable basis.
6. Perpetual or PSU (Public Sector Undertaking) Bonds
  
  Perpetual bonds are bonds which cannot be redeemable but offer steady interest pay-outs. They do not have a fixed maturity date but offer regular returns. PSU Bonds are bonds issued by Government enterprises offering fixed rates of interest and involve low risk. These bonds generally have a long-term maturity period.
7. Sovereign Gold Bonds (SGBs)
  
  SGBs are government securities denominated in grams of gold. These bonds are a substitute for holding physical gold. The value of the SGBs is linked to the price of gold, and the cash benefit can be redeemed after the specified fixed tenure
NRI investment options for High Net Worth Individuals (HNIs) in India
1. Portfolio Management Services (PMS)
  
  Portfolio Management Services is a professional financial management service offered by professional portfolio managers to HNIs. They manage the investment portfolio of the clients under the research team’s guidance. Portfolio management services can be related to stocks, debt, and other securities.
2. Alternative Investment Funds
  
  AIFs are investment vehicles which collect funds from investors to invest the amounts in different asset classes such as private equity, real estate, hedge funds, etc. It is considered one of the best investment options for potential high returns.
3. Start-ups
  
  NRIs can invest in early-stage companies with innovative business models and high growth potential to increase their returns. Investing in start-ups is a good option for HNI NRIs to gain from the growth of these start-ups.
4. Fractional Ownership of Commercial Real Estate (CRE)
  
  Fractional ownership of CRE allows HNI investors to invest in high-value commercial properties with a limited amount of investment. It enables them to own a property partly and invest in India’s real estate sector.
5. Infrastructure Investment Trust (INVITs)
  
  INVITs are investment vehicles which provide NRIs with an option to invest in developing infrastructure projects in India.

Key Features of Investment Plans for NRIs in the UAE

Before choosing an investment plan, it's helpful to know what makes these plans useful for wealth creation while living abroad.

Flexible Investment Options

Investment plans for NRIs in the UAE can provide choice across different time horizons and risk levels. Investors may choose between various options based on their income and future objectives. It enables NRIs to balance liquidity with long-term savings and achieve their goals.

Tax Efficiency & Double Taxation Relief

Many investment plans offer relief under the Double Taxation Avoidance Agreement (DTAA), which helps investors avoid being taxed twice on the same income. This feature makes cross-border investing simpler and helps NRIs preserve more of their earnings.

Wide Range of Asset Classes

An investment plan for NRIs may include life insurance, stocks, bonds, real estate, mutual funds or gold. Access to multiple asset types allows investors to spread their money across. Access to multiple asset types allows investors to diversify their portfolio. This diversification helps manage risk by avoiding overexposure to any single asset class.

Benefits of Investment Plans for NRIs in the UAE

The best investment for NRIs will be the one that will blend growth and safety. Below are some of the key benefits.

Wealth Creation Over Time

An investment plan for NRIs provides structured avenues to grow money. Equities, mutual funds or real estate these choices enable consistent growth while balancing returns with acceptable risk. These plans can also enable disciplined accumulation of capital.

Financial Security for Family

Life insurance plans such as money back plans or guaranteed ^*-return life insurance options allow for stability if income is disrupted. Families can cover expenses like education or healthcare without financial strain with the help of the best investment for NRIs. This way, commitments are met, even when unforeseen events or career shifts occur.

Retirement Planning Made Easier

An investment plan for NRIs also provides an opportunity for savings for the golden years. Annuity plans , fixed deposits, systematic investment plans or similar plans help create a pool of funds that provide a source of income in the post-employment years.

Access to Global Markets

NRIs can diversify their investments across Indian and international investment markets. This gives them the advantage of balancing risk while tapping into global growth opportunities and emerging themes and markets, creating a well-rounded portfolio.

Protection Against Currency Fluctuations

NRI investment plans can help reduce the risk of currency fluctuations. By factoring in exchange rate movements, they ensure that the value of investments is protected and remains relatively stable, even when foreign exchange rates change.

Legacy & Estate Planning

NRI investment plans can help with legacy and estate planning by ensuring wealth is transferred smoothly to the family in India. They make inheritance simpler, minimize disputes, support legal and tax compliance and provide financial security for future generations.

Reasons to Buy NRI Investment Plans

The purpose of investment is to build a corpus that can grow your wealth and bring better financial stability. By investing in India, NRIs in the UAE can benefit in multiple ways. Some of the common reasons why you may choose investment plans in India are:

Create a Global Investment Portfolio

Diversification of an investment portfolio is always a smart decision for an investor. Investing in multiple securities simply means better risk management and the potential for more stable returns. As an NRI in the UAE, you can easily create a global investment portfolio by investing in several plans in India.
Build a Financial Corpus

Investments help you create a financial corpus and a cushion to fall back on. Several investment plans in India offer comparatively stable returns and also let you create a retirement financial backup.
Get the Opportunity to Get Good Returns

As one of the world’s fastest-growing economies, India offers plentiful investment options to NRIs. As an NRI in the UAE, you can explore many strategic options to strengthen and diversify your portfolio.
Tax Benefits

Capital gains on investments by NRIs in India are taxable at 20%. However, you can claim tax exemptions under Section 54 (house property investment) and Section 54EC (capital gain bonds investment) of the Income Tax Act of 1961.

Note: Individuals and businesses earning income from abroad can claim tax relief under the Double Taxation Avoidance Agreement (DTAA). For this, you need to fill in Form 10F and submit it with a Tax Residency Certificate.

How can NRIs in the UAE invest in India?

If you are willing to start your investment journey in India even while staying abroad, now is the right time. To start investing, you have to follow these simple steps:

Open an NRO or NRE Bank Account

NRIs can open a Non-Resident Ordinary (NRO) or a Non-Resident External (NRE). NRE bank accounts only allow foreign currency credits, and NRO accounts allow both foreign currency credits from overseas and local credits in Indian Rupees. NRIs can select their preferred type of account to open as per their financial needs.

Note - There might be other modes of payment also, as supported by insurers. Check with your insurer for the available options.
Do the KYC (Know-Your-Customer) Documentation.

NRIs must fulfil the Know Your Customer (KYC) requirements and submit the KYC documents such as their address proof, identity proof, etc.
Choose your preferred Investment Plans in India.

Select your preferred investment plan from the range of savings plans or retirement plans.
Comply with Rules and Regulations.

Before investing, NRIs must understand the tax implications in India to avoid penalties. They should also consider the implications of the tax treaty between India and their country of residence.

Eligibility criteria for NRIs in the UAE to invest in India

NRIs have a variety of investment opportunities in India, subject to fulfilling the specific eligibility criteria and regulations. The eligibility criteria for NRIs in the UAE to invest in India across different asset classes and financial instruments are stated as follows:

They must meet certain criteria to maintain their NRI status. Individuals who do not reside in India for more than 182 days in a previous year or have not resided in India for 60 days or more in the previous year and for 365 days or more during four years immediately preceding the previous year are considered NRIs.
The NRI should have an NRE or NRO bank account to facilitate the transfer of funds or be done via foreign currency.

Key takeaways

NRIs can explore multiple savings or investment plans, including life insurance, equities, mutual funds, real estate, fixed deposits, gold, pension schemes, etc in India.
While capital gains are taxable in India, the exemptions available under Sections 54/54EC of Income Tax Act, 1961 and DTAA can lower tax liability for the NRIs.
These investments allow NRIs to build wealth, plan retirement, secure finances and stay financially connected to India.

Conclusion

Investments can be an excellent way to grow your wealth. Even while living in the UAE as an NRI, you can invest in several investment plans in India. Along with growing wealth, you may also be able to avail yourself of tax benefits. At Bajaj Life, we understand the unique needs of the NRIs in the UAE, so we offer a range of investment plans to choose from. Explore our plans today to choose the most suitable one that aligns with your financial goals!

99.33%

Claim Settlement Ratio^~

1 Day

Get 1 Day Claim Approval^%

AAA

Stable Rating by CARE^$$

₹1.34 Lakh cr

Assets Under Management (AUM)^***

3.47 cr

Number of Lives Covered^##

266%

Solvency Ratio of 266%^{^^^}

Disclaimer:^~Individual death claim settlement ratio FY-2025-26, as on 31st March, 2026 | ^%99.29% of non-investigative individual claims approved in one working day for FY 2024-25. 1 day is counted from date of intimation of claim before 3 PM on a working day (excluding Non-NAV days for ULIP) at Bajaj Life Insurance offices. 96% of non - investigative claims notified were processed within one day in FY’25 | ^$$For details refer to press release published by CARE | ^***Asset under management (AUM) ₹1.34 lakh crore as on 31st March, 2026 | ^{^^^}Solvency ratio 266% as at 31st March, 2026 IRDAI mandated 150%. | ^##Individual and group, as on 31st March, 2026.

Frequently Asked Questions

1. Are capital gains on investments taxable for NRIs in the UAE?

Yes. Investment capital gains in India received by NRIs in the UAE are taxed at 20% of the total income earned. However, tax exemptions can be claimed under Section 54 and Section 54EC of the Income Tax Act of 1961. ¹

2. Can NRIs in the UAE invest in government securities in India?

Yes, by opening an RBI retail direct account, NRIs can invest in several government securities. However, using this avenue, one may not invest in floating rate bonds and sovereign gold bonds (SGBs). ²

3. Is investing in India a good choice?

India has continued to be one of the fastest-growing economies in the world. Owing to the massive economic growth, infrastructure development, and government initiatives, investing in India can be a good choice for anyone, including NRIs in the UAE.

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* Conditions Apply -The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors. For more details, please refer to sales brochure.

The views stated in this article are not to be construed as investment advice and readers are suggested to seek independent financial advice before making any investment decisions. For more details on risk factors, terms and conditions please read the sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale. Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited) Reg. Office Address: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006. CIN: U66010PN2001PLC015959, call us on Customer Care No. 020-6712 1212 , mail us on: customercare@bajajlife.com. The Logo of Bajaj Life Insurance Limited is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo.

Tax benefits as per prevailing Section 10(10D) and Section 80C (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy

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*Not available if policy issued after 20th March 2025

Past returns of a fund are not necessarily indicative of the future performance of the fund. | Please consult the financial advisor before investing.

The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.

ULIPs are different from the traditional insurance products and are subject to the risk factors. The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Bajaj Life Insurance Limited is only the name of the Life Insurance Company and Bajaj Life Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V02), Bajaj Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01), Bajaj Life Fortune Gain II- A Unit-linked Non Participating Individual Life Savings Insurance Plan (UIN: 116L196V02) and Bajaj Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V02) are only the name of the unit linked insurance contracts and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

Focused 25 Fund is available with Bajaj Life Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V02), Bajaj Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01), Bajaj Life Fortune Gain II- A Unit-linked Non Participating Individual Life Savings Insurance Plan (UIN: 116L196V02) and Bajaj Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V02)

In addition to the already existing funds, Focused 25 Fund is now available with the above mentioned products. Customer has an option to choose from other available funds apart from Focused 25 Fund.

Pay ₹10k/month and Get ₹1.21 Cr^

34.5% Past 5 CAGR Returns*

Zero LTCG Tax^$

^Above illustration is for Bajaj Life Smart Wealth Goal V is A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V04) considering Male aged 25 years |Variant- Wealth | Standard Life | Policy term (PT) - 35 years | Premium Payment Term (PPT) - 10 years | Total premiums paid Rs. 12,00,000 | Monthly Premium Payment Mode | Sum Assured ₹12,00,000 | Incase of unfortunate death during the 1st policy year, death benefit payable at 4% and 8% will be ₹ 12,00,000. This illustration is considering investment in "Bond Fund -ULIF02610/07/06BONDFUNDLI116” through Auto Transfer Portfolio Strategy and is exclusive of any extra premium and is for illustrative purpose only. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale

Assumed investment returns on 35^th Policy Year	CAGR^#
₹ 1,21,80,398	8%^#
₹ 38,74,832	4%^#

^#The assumed rate of returns indicated at 4% and 8% are illustrative and not guaranteed and do not indicate the upper or lower limits of returns under the policy.

*Benchmark: Nifty 500 Enhanced Quality 50 Index past 5 CAGR Returns, as on 31^st July 2025. Past returns of a fund are not necessarily indicative of the future performance of the fund. | Please consult the financial advisor before investing.

^$Subject to Section 11 (read with Schedule II, Sr.No.2) conditions i.e. aggregate annual premium for ULIP policies issued on or after 1st February 2021 does not exceed Rs. 2.5 Lakhs and sum assured is 10x of annual premium. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy

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IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

CIN: U66010PN2001PLC015959 | Registered Office Address: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006, Maharashtra

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Disclaimer

For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. The terms and conditions of product/plan as contained in the Policy Document issued by the Company is available on the Web Site. The names of the Company, Products/Plans/funds do not indicate the quality and its future prospects or returns. IN ULIPs, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. Tax benefits are as per the prevailing Income Tax Laws including the Income Tax Act, 1961 and are subject to change from time to time. Goods and Services Tax will have to be borne by the Policyholder as per applicable rates. All other charges shall be levied in accordance with the terms and conditions of the policy.

This calculation and results displayed are based on information provided and certain assumptions about the rates of return. It is for assistance only and does not constitute an offer or solicitation. It is not intended to be and must not alone be taken as the basis for an investment decision. Kindly note that the returns are only illustrative and they are not guaranteed. The returns do not indicate the upper or lower limits of the return that you may get with your policy and the value is dependent on a number of factors including future performance. Bajaj Life Insurance Limited shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information reported by the calculator.

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