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Investment Plans for NRIs in Qatar

Nearly 7.4 lakh NRIs reside in Qatar, contributing to over 66.66% of all NRIs who live in Gulf countries, with the highest concentration in the UAE. The rich cultural heritage of Qatar, modern architecture, and vibrant atmosphere of Qatar are prime attractions of the country. The capital city, Doha, Read More

is also a major tourist attraction. There are several reasons why NRIs may reside in Qatar, like economic opportunities, currency differential, standard of living, professional commitments, and more. Read Less

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Tax Free Returns^
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Term Insurance ULIP Plans
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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%.

@Term Insurance plan bought online directly from Bajaj Life Insurance has no commissions involved.

^^Get Free Benefits up to ₹ 14,000 per year

S No.

Value Added Service

Frequency

Cost (₹)

1

Doctor Teleconsultations

Consultation per month
= 24 consultations per year

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

2

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

Writer shruti
Written ByShruti Gujarathi
AboutShruti Gujarathi
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Shruti Gujarathi has 5 years of experience in the BFSI sector, and as Manager – Digital Marketing at Bajaj Life Insurance, manages digital and content marketing. She has had hands-on experience in content strategy, performance marketing and Strategic Alliances over a career spanning 10 years, with deep expertise in insurance domain.
Reviewer Rosy
Reviewed ByRosy Pathak
AboutRosy Pathak
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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.
Written on: 16th October 2025
Modified on: 28th October 2025
Reading Time: 20 Mins
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What is an Investment Plan for NRI?

An NRI investment strategy enables NRIs living abroad to grow their wealth with various financial investments in their home country. In India, as an NRI, you can choose a range of options like life insurance plans , stocks of companies, mutual funds, among other options, which aim to accomplish your financial goals. Purchasing life insurance plans, such as endowment, money-back plans, that combine life insurance with savings can offer NRIs dual benefits. Similarly, term insurance plans help NRI families, particularly those with family members working in Qatar, achieve financial security by protecting dependents in India. NRI’s growing economy and a variety o f investment options can motivate NRIs to invest in India and create a corpus for their goals.

Types of Investment Plans for NRIs in Qatar

There are several investment plans in India for NRIs in Qatar. From gold, real estate, and mutual funds to fixed deposits, equities, and commodities, there's a lot to explore. If you are already planning to choose your ideal investment plan in India, below is a comprehensive list of various plans available for NRIs in Qatar:

 

  1. 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 that 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.


  2. 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 bonus. The bonus additions help in enhancing the benefits of the policy and creates a good corpus for your financial goals.

    3. Fixed Deposit

      NRIs can also park their funds in fixed deposits to earn from interest. Fixed Deposit is an 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.


  3. NRI investment options for High Net Individuals (HNIs) in India

    1. Portfolio Management Services (PMS)

      Portfolio Management Services is a professional financial management service offered by professional portfolio managers connection They manage the investment portfolio of the client’s connection the research team’s guidelines. 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 in Qatar 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 Investments Plans for NRI in Qatar

When deciding upon an investment plan for NRIs in Qatar, there are some key processes to consider, and they are outlined below:


Flexible Investment Options

NRIs in Qatar can diversify investments through many investment options, including life insurance, mutual funds, equities , real estate, and pension schemes. The type of investment can be tailored to suit a person's financial objectives and risk appetite, thereby providing the necessary flexibility to meet both immediate and long-term needs.


Tax Efficiency & Double Taxation Relief

The India-Qatar Double Taxation Avoidance Agreement (DTAA) provides NRIs with tax benefits (e.g., claimable credits) and affordability (e.g., no double taxation). This allows NRIs to earn income in India and avoid paying double tax on the same.


Wide Range of Asset Classes

NRIs in Qatar have the option to consider choosing many asset types in India. These include life insurance, stocks, bonds, mutual funds, real estate, and infrastructure trusts. Each choice fits different risk appetites and financial objectives. Spreading money across various assets helps to reduce risks, create long-term stability, and link financial growth in Qatar with plans in India.

Benefits of Investments Plans for NRI in the Qatar

Numerous NRIs are remitting money back to India, lured by its robust economy and long-term prospects. The major advantages of investment schemes for NRIs in Qatar are:


Wealth Creation Over Time

India's fast-expanding economy offers consistent growth opportunities. With robust markets and strong demographics, NRIs can increase their wealth over time. Long-term investments enable NRIs in Qatar to create a good corpus to ensure future objectives.


Financial Security for Family

Family security is always a priority for all NRIs. Investment in term life insurance provides financial security for near and dear ones in India.


Retirement Planning Made Easier

Investments in long-term products like life insurance annuity plans, equity, and fixed deposits enable NRIs to create a retirement fund. This makes the golden years stress-free and economically secure in Qatar or India.


Access to Global Markets

NRIs can transparently access global equities, bonds, and other investments from India. This provides a truly global diversification opportunity so that NRIs can diversify their portfolios beyond borders.


Protection Against Currency Fluctuations

NRIs can choose systematic investment options, like monthly premium payment mode in life insurance plans to invest systematically in India. This systematic approach gives the benefit of rupee-cost averaging and provides a hedge against currency fluctuations.


Legacy & Estate Planning

Indian investment plans can also assist NRIs in planning for future wealth inheritance transfers. There are several mechanisms for achieving this, including wills, nominations, and trusts, which allow the wealth transfer process to be seamless, tax-efficient, and as easy as possible for the heirs.

Reasons to Buy NRI Investment Plans in Qatar

To grow your existing wealth, it is essential to keep investing funds. Not only does it build a financial corpus, but it also builds a regular habit of investment. In order to balance the risks and rewards, creating a diverse investment portfolio is a smart decision. As an NRI in Qatar, investing in India can easily help you broaden your investment portfolio. Not just this, there are several other reasons to invest in India, like:


  • Tax Benefits

    By investing in India as an NRI in Qatar, you can avail of several tax benefits. While gains on sale of investment are subject to tax implications, you can enjoy tax benefits under Section 54 and Section 54EC of the Income Tax Act of 1961. So, all you need is smart planning to maximize returns as well as tax benefits.²

    Not only this, NRIs in Qatar may also fill out Form 10F along with a Tax Resident Certificate (TRC). Form 10F and TRC lets you claim tax benefits under the Double Taxation Avoidance Agreement (DTAA).


  • Add to Your Investment Portfolio

    As an NRI living in Qatar, you can easily expand your investment portfolio by investing in India. The government in India offers a range of benefits and investment options for NRIs. These may include gold investments, fixed deposits, mutual funds, real estate, equities, commodities, etc. So, do not wait, but start investing today!


  • Stay Connected With Your Country

    Often, NRIs living abroad have a strong desire to stay connected with India. What better way than becoming a part of the Indian economy by investing in various plans? On the one hand, investing in India helps build your financial corpus, and on the other hand, it also keeps you connected with India.


  • You May Plan Your Retirement

    After retirement, it is important to have financial stability to lead a peaceful and sound life. For this, you need to start planning early. Investing in various plans can help you build a strong financial support for post-retirement life.


  • Competitive Returns

    India has a wide range of investment plans to choose from. Additionally, the booming economy of the country also opens the doors to competitive and promising returns on various investments. Choose your preferred plans to maximise returns.

How can NRI Qatar invest in India?

  1. Open an NRO or NRE Bank Account

    NRIs can open Non-Resident Ordinary (NRO) or 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 in Qatar can select their preferred type of account to open as per their financial needs.

    Note - There might be other modes of payments also, as supported by insurers. Check with your insurer for the available options.
     

  2. 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.


  3. Choose your preferred Investment Plans in India

    Select your preferred investment plan from the range of savings plans or retirement plans.


  4. 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, that is Qatar.


Eligibility criteria for NRIs in Qatar 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 Qatar to invest in India across different asset classes and financial instruments are stated as follows:

  • They must meet certain criteria to maintain the position of owner. 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 NRIs7.
  • The NRI should have an NRE or NRO bank account to facilitate the transfer of funds or done via foreign currency.

Key Takeaway

  • The best investment for NRIs in Qatar is to invest in life insurance, equities, mutual funds, real estate, and government securities, providing flexibility across risk.
  • Double taxation is avoided by the India-Qatar DTAA, while NRE accounts provide for full repatriability.
  • Life insurance provide family protection along with wealth-building potential. For retirement, investments in NPS, PPF, and endowment plans assist in creating a solid financial corpus.
  • The right investment option in India can offer wealth creation, tax effectiveness, and long-term financial security for NRIs.

Conclusion

Avail long-term financial growth and steady returns with exciting investment options in India. Not only do they promote your financial well-being, but they are also emotionally fulfilling. You may choose from a wide range of options like life insurance plans, government-backed securities, mutual funds, real estate, gold, etc. Start planning your financial goals to choose the most suitable investment plan in India.

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~

1 Day

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AAA

Stable Rating by CARE$$

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Assets Under Management (AUM)***

3.52 Cr

Number of Lives Covered##

343%

Solvency Ratio of 343%^^^

Disclaimer:~Individual Death Claim Settlement Ratio for FY 2024-2025 | %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) ₹1.30 lakh crore as on August, 2025 | ^^^Solvency ratio 343% as at 30st June 2025 against IRDAI mandated 150% | ##Individual and group, as on 31st August, 2025.

Frequently Asked Questions

1. Can NRIs invest in government-backed plans in India?

Yes. There are various government-backed plans in India open for NRIs in Qatar, like National Pension Scheme (NPS), government bonds, etc.

2. Why is investing in India a good idea for NRIs in Qatar?

NRIs in Qatar can avail multiple benefits from investing in India. High returns and tax benefits are some of the leading reasons why investing in India can be quite beneficial.

3. How can NRIs in Qatar choose the best investment plan in India?

NRIs in Qatar are eligible to invest in a wide range of plans in India. To choose the best one, it is crucial to assess your financial goals and risk appetite. Based on your goals, you may choose from life insurance, ELSS mutual funds, real estate, etc.

4. Can NRIs in Qatar avail tax benefits on investments in India?

NRIs in Qatar are eligible to invest in a wide range of plans in India. To choose the best one, it is crucial to assess your financial goals and risk appetite. Based on your goals, you may choose from life insurance, ELSS mutual funds, real estate, etc.

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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 Insurance Goal Assure II - A Unit- Linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L180V02) is only the name of the unit linked insurance contract 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.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.

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

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Bajaj Life eTouch- A Non Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N172V04)

*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%.

~Individual Death Claim Settlement Ratio for FY 2023-2024

1Premium Holiday has to be selected at inception to avail this benefit and also depends on other policy terms & conditions


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


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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.

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Terms & Conditions

I hereby authorize Bajaj Life Insurance Limited. to call me on the contact number made available by me on the website with a specific request to call back. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) or on National Do Not Call Registry (NDNC), any Call made, including via Voice over Internet Protocol & WhatsApp, SMS or WhatsApp messages, in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business

X
Disclaimer

^Not available if policy issued after 30th May 2025 | *As on 28th March 2025 Past 5 Year CAGR returns in Benchmark Nifty 200 Alpha 30 Index. Please note that the fund aims to replicate the performance of benchmark index fund, subject to tracking error. 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 Smart Pension- A Unit -Linked, Non-Participating Individual Pension Plan (UIN- 116L209V01) is 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.

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.

Nifty 200 Alpha 30 Index Pension Fund is available only with Bajaj Life Smart Pension- A Unit -Linked, Non-Participating Individual Pension Plan (UIN: 116L209V01).

In addition to other funds, Nifty 200 Alpha 30 Index Pension Fund is now available with Bajaj Life Smart Pension. Customer has an option to choose from other available funds apart from Nifty 200 Alpha 30 Index Pension Fund.

Death Benefit shall be the Fund Value, subject to a minimum of the 105% of Total Premiums Paid, as on the date of death.

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Pay ₹10k/month and Get ₹1.21 Cr^

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34.5% Past 5 CAGR Returns*

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Zero LTCG Tax$

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Pay ₹10k/month and Get ₹1.21 Cr^

34.5% Past 5 CAGR Returns*

Zero LTCG Tax$

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Terms & Conditions

I hereby authorize Bajaj Life Insurance Limited. to call me on the contact number made available by me on the website with a specific request to call back. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) or on National Do Not Call Registry (NDNC), any Call made, including via Voice over Internet Protocol & WhatsApp, SMS or WhatsApp messages, in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business

X
Disclaimer

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 Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V04) is 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.

^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 35th Policy YearCAGR#

                   ₹ 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 Multifactor MQVLv 50 Index past 5 CAGR Returns, as on 30th May 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 10 (10D) conditions i.e. aggregate annual premium for ULIP policies issued on or after 1st February 2021 does not exceed Rs. 2.5 Lakhs.

© Copyright 2025. Bajaj Life Insurance Limited. All Rights Reserved.
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.
IRDAI Public Notice on Spurious calls
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Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited). All Rights Reserved. | IRDAI Reg. No. 116 | An ISO 27001:2013 Certified IT Department
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Email: customercare@bajajlife.com

Registered Office Address

Bajaj Insurance House, Airport Road, 

Yerwada, Pune, Maharashtra - 411006

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

Email: customercare@bajajlife.com | Customer Care No.: 020 6712 1212

Disclaimer: Images used on this website and the models photographed in them are for representative purposes only and are not indicative of anyone's personal thoughts or ideas.

The Logo of Bajaj Life Insurance Limited is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo.

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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.

1©2021 Morningstar. All Rights Reserved. The Morningstar name and logo are registered marks of Morningstar, Inc. The information, data, analyses and opinions ("Information") contained herein: (1) include the proprietary information of Morningstar and its content providers; (2) may not be copied or redistributed except as specifically authorized; (3) do not constitute investment advice; (4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates and procured from various sources. Morningstar, its affiliates, and its officers, directors and employees shall not be liable for any trading decision, damage or any other loss arising from using the Information. Please verify all of the Information before using it and do not make any investment decision, except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up

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