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Plan My Investments
18. Insurance-cum-Investment

Endowment Insurance Plan

Endowment Plans

Life insurance plan that pays a lump sum on maturity or death, with modest guaranteed returns.

Risk Level
Low ★★☆☆☆
Liquidity
🔴 Low
Min Investment
₹10,000/year
Ticket Size
₹10,000+/year premium
Ideal Horizon
10–25 years
Region
Global

📈 Historical Returns (Indicative)

1 Year
4–6%
3 Years
4–6%
5 Years
4–6%
10 Years
5–7%
20 Years
5–7%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Endowment Insurance Plan

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

  • ✅ Low risk — capital largely protected

Disadvantages

  • ❌ Low liquidity — funds may be locked in for years

🚀 How to Invest in Endowment Insurance Plan

  1. Research and compare options on Applica Finance
  2. Open appropriate account (Demat, bank, or platform account)
  3. Complete KYC with PAN and Aadhaar
  4. Start with minimum investment; scale up gradually

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation
Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.
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