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SISO Returns Calculator

SISO is an innovative way to save and invest in a life insurance policy. It stands for Systematic In, Systematic Out and allows you to save periodically in affordable amounts and also get regular income on maturity. While SISO is an investment strategy to receive regular income on maturity, you might want to know how much return you would be able to earn on your savings over time. This is where the SISO calculator comes into the picture. The calculator tells you the accumulated value of your savings after a given tenure so that you can plan for your financial goals. Let’s understand how the SISO returns calculator works.

Enter below details to know your returns

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Calculate Your SISO Returns

I want to Invest (Monthly)

₹

Min: ₹5,000

Max: ₹10 Crore

I want to Invest for

Years

Min: 5 Years

Max: 30 Years

I want to stay Invested for

Years

Min: 5 Years

Max: 30 Years

I expect Rate of Return of (Annually)

%

Min: 0%

Max: 20%

SISO Returns Calculator
SISO is an innovative way to save and invest in a life insurance policy. It stands for Systematic In, Systematic Out and allows you to save periodically in affordable amounts and also get regular income on maturity. While SISO is an investment strategy to receive regular income on maturity, you might want to know how much return you would be able to earn on your savings over time. This is where the SISO calculator comes into the picture. The calculator tells you the accumulated value of your savings after a given tenure so that you can plan for your financial goals. Let’s understand how the SISO returns calculator works.

This calculator helps you estimate the potential value of your regular investments over time, factoring in periodic withdrawals. With consistent contributions and planned withdrawals, SISO allows you to balance your long-term growth with regular cash flow.

Calculate Your SISO Returns

I want to Invest (Monthly)

₹

Min: 5,000

Max: 10 Crore

I want to Invest for

Years

Min: 5 Years

Max: 30 Years

I want to stay Invested for

Years

Min: 5 Years

Max: 30 Years

I expect Rate of Return of (Annually)

%

Min: 0%

Max: 20%

Understand your Returns

You Pay

₹10,000

till

You Get

₹

After Years

@ 7% p.a.

Graph Graph
Table Table

Total Amount Invested

Amount After Maturity

Year Investment Amount Returns Earned Maturity Amount
1 Year ₹1,20,000 ₹1,20,000 ₹1,20,000

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I hereby authorize Bajaj Allianz Life Insurance Co. Ltd. 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, SMS or WhatsApp sent 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

 

Please refer to BALIC Privacy Policy

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%%Above illustration is for Bajaj Allianz Life eTouch- A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN:116N172V04) considering Male aged 24 years | Non-Smoker | Policy Term(PT)– 30 years | Premium Payment Term (PPT)– 30 years | Sum Assured opted is Rs.1,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 6,051. 2nd Year onwards premium Rs. 6,460. Total Premium Paid is Rs. 1,93,391 | 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.

##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 Allianz Life Insurance has no commissions involved.

^^The Return of Premium amount is total of all the premiums received, exclusive of extra premium, rider premium and GST & /any other applicable tax levied, subject to changes in tax laws
Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116

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Disclaimer

~Individual Death Claim Settlement Ratio for FY 2023-2024


Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116

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Terms & Conditions

I hereby authorize Bajaj Allianz Life Insurance Co. Ltd. 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, SMS or WhatsApp sent 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

 

Please refer to BALIC Privacy Policy

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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 Allianz Life Insurance Company Limited is only the name of the Life Insurance Company and Bajaj Allianz Life Goal Assure II - A Unit- Linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L180V02), Bajaj Allianz Life POS Goal Suraksha - A Non Linked, Non Participating, Individual, Life Insurance Savings Plan (UIN: 116N155V11) are 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.

This advertisement is designed for combination of Benefits of two individual products named (1) Bajaj Allianz Life Goal Assure II - A Unit- Linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L180V02). (2) Bajaj Allianz Life POS Goal Suraksha - A Non Linked, Non Participating, Individual, Life Insurance Savings Plan (UIN: 116N155V11). These products are also available for sale individually without the combination offered/ suggested. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale.

*Conditions apply- The Guaranteed benefits are dependant on the policy terms, premium payment terms availed along with other variable factors. For more details please refer respective product sales.(Also available on www.bajajallianzlife.com). This benefit is available with Bajaj Allianz Life Pos Goal Suraksha. brochure.

Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116

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Written ByPalak Bagadia
AboutPalak Bagadia
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Palak Bagadia, Associate – Digital Marketing at Bajaj Allianz Life, with experience spanning content and performance marketing, recruitment, employee engagement in the BFSI industry, with a strong understanding of the insurance sector.
Reviewed ByRituraj Singh
AboutRituraj Singh
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Rituraj Singh,With over 6.5 years of experience in the insurance industry, Rituraj Singh, Manager- Product & Brand Marketing at Bajaj Allianz Life Insurance overlooks new product launches, compliance, and brand projects, leveraging artificial intelligence and technology to enhance outcomes.
Written on: 18th July 2025
Modified on: 22th July 2025
Reading Time: 20 Mins
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How to Use the SISO Returns Calculator?

You can use the SISO returns calculator online by entering some simple details. These details include the following:


  1. The monthly investment amount
  2. The period over which you can invest monthly (in years).
  3. The period over which you can stay invested (let your investment grow without withdrawing it). This period can be similar to the investment period or even higher than it. For instance, you might want to save for 10 years but stay invested for a total of 20 years. In this case, you save for 10 years, and your savings keep growing for the next 10 years.
  4. The expected annual rate of return that you estimate on your investments This would help you calculate the corpus that you can accumulate over your investment horizon.

Why Use a SISO Returns Calculator?

A SISO returns calculator is useful because:


  • It gives you accurate and instant results on the estimated corpus that you can accumulate at a given monthly saving rate.
  • You can use the calculator multiple times without incurring any charges for the usage.
  • The calculator gives instant and accurate results, saving you from complex mathematical calculations.
  • You can adjust your investments and/or the tenure to get the desired corpus that you need for your financial goals

Conclusion

SISO is an investment strategy which also inculcates the habit of disciplined savings. The SISO returns calculator helps you estimate the corpus that you can create with your investments, enabling you to make better financial decisions and create the desired corpus for your goals.


So, before you start saving, use the SISO Returns calculator and find out how much your savings would be worth at a given rate of return. This would also help you step up the savings when the required corpus is greater.

Frequently Asked Questions

1. What is a SISO?

SISO is a mode of investing in a life insurance policy wherein you pay periodic premiums and also get regular income on maturity. The full form of SISO is Systematic In, Systematic Out, which signifies that you systematically pay premiums towards your life insurance policy and the maturity benefit is also systematically paid out.

2. Are the returns from SISO guaranteed?

The returns depend on the type of life insurance policy that you select. If you choose traditional life insurance plans, the returns might be guaranteed* depending on the policy that you choose. However, with ULIPs, the returns are not guaranteed* as they depend on market performance.

3. Can I withdraw my insurance amount before maturity?

Withdrawal before maturity is called surrendering the policy, which leads to the payment of a surrender value that might be lower than the policy benefits. Under traditional plans, the surrender value is payable only if you have paid the minimum required number of premium payments has been made. Under ULIPs, the surrender value is payable after the lock-in period of 5 years.

4. Are there tax benefits associated with SISO?

SISO is just a feature added to your life insurance policy, and you can enjoy the tax benefits that the policy offers. Usually, premiums paid towards life insurance plans qualify for tax deduction under Section 80C up to ₹1.5 lakhs, while the maturity benefit enjoys tax exemption under Section 10(10D), subject to some terms and conditions.

5. Can I take a loan against my life insurance policy having the SISO feature?

The availability of a loan depends on the type of life insurance policy that you have chosen. In the case of ULIPs, insurers do not provide policy loan.  However, if you have bought a traditional life insurance plan and the policy has acquired a surrender value, you can take a loan against it from the Insurer.

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IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS 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. 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.

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.

BJAZ-WP-ECNF-16157/25

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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.

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