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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.

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Introduction: Benchmark* - Nifty 500 Low Volatility 50 Index

Nifty 500 Low Volatility 50 Index aims to track the performance of the top 50 stocks within Nifty 500 which are selected based on their low volatility scores. Low Volatility is calculated as the inverse of standard deviation based on the previous 1-year price returns (log normal). Stock weights are based on a combination of the stock’s low volatility score and its free-float market capitalization.

 

Highlights

▸The index has a base date of April 01, 2005, with a base value of 1000

▸Stocks forming part of the Nifty 500 index at the time of review are eligible for inclusion in the index

▸Stocks that have scored low on liquidity parameters are excluded from the index

▸50 stocks from Nifty 500 based on low volatility scores are selected to be part of the index

▸The weight of each stock in the index is based on the combination of stock’s low volatility score and its free float market capitalization.

▸The index is reconstituted semi-annually (June, December)

Source- NSE, https://www.niftyindices.com/Methodology/Method_NIFTY_Equity_Indices.pdf

Index Construction & Review Methodology

Universe:

▸Stocks forming part / going to be a part of the Nifty 500 index at the time of review.

▸Constituents should have a minimum listing history of 1 year

 

Stock Selection Criteria:

▸For each eligible stock, volatility is computed using 1 year trailing price (adjusted for corporate actions)

▸Low Volatility is calculated as the inverse of standard deviation based on the previous 1 year price returns (log normal)

▸Top 50 ranked stocks with low volatility are selected to be a part of the index

 

Weights and Capping:

▸Weight of the stock in the index is derived by multiplying the free float market cap with low volatility score of that stock

▸Each stock in the index is capped at the lower of 5% or 5 times the weight of the stock in the index based only on free float market capitalization

 

Index rebalancing & reconstitution:

▸Index rebalancing and reconstitution will be done on a semi-annual basis in June and December using data ending last trading day of May and November respectively.

▸Apart from the scheduled semi-annual review, additional ad-hoc reconstitution and rebalancing of the index shall be initiated in case any of the index constituents is removed from Nifty 500 index due to any corporate action (scheme of arrangement, delisting etc.) or suspension by the exchange etc.

 

Source- NSE, https://www.niftyindices.com/Methodology/Method_NIFTY_Equity_Indices.pdf

Low Volatility Index Outperforms in Long-Term SIP Growth

Monthly SIP Growth of Rs 10000 over 10-year period (as on 30th March 2026)


Source: NSE, Bloomberg, Bajaj Life Research

Past performance is not indicative of future performance

Note – The above XIRR calculation is based on assumptions such as 1. no cost included while investing, 2. monthly investment on every first working day of each month for last 10 years & 3. there is no such restrictions in terms of investment in respective indices. The above graphical representation of monthly SIP growth in each index should be considered for illustration purposes only.

Performance - Nifty 500 Low Volatility 50 Index

Performance as on 30 Mar 2026
Index1Yr2Yr3Yr5Yr7Yr10Yr15Yr20YrSince
Inception
Nifty 500 Low Volatility
50 Index		2.6%5.3%16.8%13.6%13.9%13.9%12.4%13.1%15.5%
Nifty 500 Index-3.8%0.7%12.1%10.8%11.3%12.3%10.4%10.3%12.3%
Alpha6.4%4.6%4.7%2.8%2.6%1.6%2.0%2.8%3.2%

Why Nifty 500 Low Volatility 50 Index Fund ?

▸Focus on Stability & Lower Risk– The index selects 50 stocks from the Nifty 500 universe that have exhibited the lowest price volatility over a defined period, aiming to provide a smoother investment journey compared to the broader market.

 

▸Reduced Drawdowns in Volatile Markets– By emphasizing stocks with relatively stable price movements, the index seeks to limit downside during market corrections, helping investors navigate uncertain market conditions more comfortably.

 

▸Consistent Risk-Adjusted Returns– Low volatility strategies have historically demonstrated the ability to deliver better risk-adjusted returns by minimizing sharp fluctuations while still participating in market upside over the long term.

 

▸Periodic Rebalancing for Stability– The index is rebalanced semi-annually, ensuring that stocks with relatively lower volatility characteristics are consistently reflected in the portfolio based on updated market data.

 

▸Diversified Exposure Across Sectors & Market Caps– The fund provides exposure to 50 relatively stable companies across sectors and market caps within the Nifty 500 universe, with stock weight caps applied to avoid concentration risk.

 

▸Rules-Based, Disciplined Investing– The index follows a transparent and systematic methodology, eliminating emotional bias and ensuring consistent exposure to the low volatility factor.

 

▸Passive Investing– A passive investment approach that efficiently tracks the index, a low volatility strategy without active stock selection.

Now Available With

Bajaj Life

Future Wealth Gain IV

A Unit- linked Non- Participating Individual Life Savings Insurance Plan

Bajaj Life

Goal Assure IV

A Unit-linked Non-Participating Individual Life Savings Insurance Plan

Bajaj Life

LongLife Goal III

A Unit-linked Non-Participating Whole Life Insurance Plan

Bajaj Life

Invest Protect Goal III

A Unit-linked Non-Participating Individual Life Savings Insurance Plan

Bajaj Life

Magnum Fortune Plus III

A Unit-linked Non-Participating Individual Life Savings Insurance Plan

Bajaj Life

Goal Based Saving III

A Unit-linked Non-Participating Individual Life Savings Insurance Plan

Bajaj Life

Fortune Gain II

A Unit-linked Non Participating Individual Life Savings Insurance Plan

Bajaj Life

Smart Wealth Goal VI

A Unit-linked Non-Participating Individual Life Savings Insurance Plan

Bajaj Life

GAIN

A Unit- Linked Non- Participating Individual Life Savings Insurance Plan

Bajaj Life

Supreme

A Unit- Linked Non- Participating Individual Life Savings Insurance Plan

In addition to the already existing funds, Nifty 500 Low Volatility 50 Index Fund is now available with the above mentioned products. Customer has an option to choose from other available funds apart from Nifty 500 Low Volatility 50 Index Fund.

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Why Bajaj Life Insurance ?

Bajaj Life Insurance, one of India's leading Private Life Insurers, is committed to offering value-packed and innovative products to help you achieve your Life Goals.

99.29%

Claim Settlement Ratio~

Claim Settlement Ratio
1 Day

Get 1 Day Claim Approval%

One Day Claim Approval
AAA

Stable Rating by CARE$$

CARE Stable Rating
₹1,37,866 Cr

Assets Under Management (AUM)***

Assets Under Management (AUM)
3.47 Cr

Number of Lives Covered##

Number of Lives Covered
343%

Solvency Ratio of 343%^^^

Solvency Ratio
Claim Settlement Ratio 2024-25
Disclaimer:~Individual death claim settlement ratio FY-2024-25, as on 31 March, 2025 | %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) ₹1.37 lakh crore as on February, 2026 | ^^^Solvency ratio 343% as at 30 June, 2025 against IRDAI mandated 150%. As on 30 June, 2025 | ##Individual and group, as on February, 2026.

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Customer Speaks

Helpful, Best Policy
The reason to choose Bajaj Life Insurance is because of the claim settlement ratio and the easy after sales support which Bajaj Life Insurance provides. The process is speedy and the customer support provides 360 information on term insurance policy. All the term insurance variants were well explained by the Bajaj team with or without accidental death benefit and critical illness benefit.
Ankurjit Singh
5
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I am a happy customer who is satisfied with the after sales service. I have full trust in Bajaj Life Insurance Company.
Rahul Kumar
4.5
Great experience
Bajaj Life Insurance provides a seamless experience when it comes to buying term plan. The customer representative explained the term plan product to me in my native language and the doubts regarding Claim Settlement Ratio, Term Premium calculator, Term Plan Premium Payment terms and Exit value. I was completely unaware about the checklist to have while buying term plan but Bajaj Life Insurance made it very easy , fast & trustworthy process
Nandini Dhar
4.5
Helpful, Best Policy
Bajaj Life Insurance Policy purchase journey is quite smooth and fast for buying term plan. Health Check-up and medicals happened quickly and timely. The support team also guides me at each and every step for buying the term plan. All the term plan variants were explained by the sales team and what is recommended as per my income level.
Rajesh Kumar Dahayat
5
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Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited)

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS
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.

Risk Factors and Warning Statements: Bajaj Life Insurance Limited Regd. Office Address: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006. IRDAI Reg. No.: 116. CIN : U66010PN2001PLC015959 | Mail us : customercare@bajajlife.com | Call on : Customer Care Number: 020-6712 1212 | The Logo of Bajaj Life Insurance Limited is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo. 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. All charges/ taxes, as applicable, will be borne by the Policyholder.

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- 116L196V04), Bajaj Life Smart Wealth Goal VI - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L214V01), Bajaj Life GAIN -A Unit- Linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L213V02), Bajaj Life Supreme- A Unit- Linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L211V02) 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.

Nifty 500 Low Volatility 50 Index 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- 116L196V04), Bajaj Life Smart Wealth Goal VI - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L214V01), Bajaj Life GAIN -A Unit- Linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L213V02), Bajaj Life Supreme- A Unit- Linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L211V02)

In addition to the already existing funds, Nifty 500 Low Volatility 50 Index Fund  is now available with the above mentioned products. Customer has an option to choose from other available funds apart from Nifty 500 Low Volatility 50 Index Fund

#As per Government of India Notification No. 16/2025, GST is not applicable on individual life insurance policies effective 22 September 2025.

**Not available if policy issued after 30th April 2026.

^^As on 30th March 2026 | ^Past returns of a fund are not necessarily indicative of the future performance of the fund. | Please consult the financial advisor before investing

Starts ₹3,000/month- Minimum premium mentioned is applicable for Bajaj Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01) and is subject to policy terms and conditions.

Zero LTCG tax- 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.

10X Life Cover-  Source: https://economictimes.indiatimes.com/investments-markets/eight-crucial-numbers-to-ensure-financial-%20success/10-times-the-annual-%20income-is-your-life-insurance/slideshow/16699748.cms. Subject to availability in Bajaj Life ULIPs. 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.

ADCODE- BLIC-OT-EC-21410/26

Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited).| All Rights Reserved. | IRDAI Reg. No. 116 | An ISO 9001:2015 and ISO 27001:2013 Certified IT Department

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

Email: customercare@bajajlife.com | Customer Care Number: 020-6712 1212

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Claim Settlement Ratio of 99.29%~