5 Replies to “How and when the NAV of ULIP calculated ?”

  1. Plan Oct 6, 2005 Oct 6, 2006 Growth
    SBI: Horizon 15.590 24.420 56.64%
    Sensex 8,528.700 12,372.810 45.07%
    Kotak aggressive 14.745 21.192 43.72%
    Reliance Life (Equity) 14.724 21.105 43.34%
    HDFC-Standard: All ULIPs 35.043 50.143 43.09%
    ICICI-Prudential: LifeTime Plus 16.440 22.990 39.84%
    ICICI-Prudential: LifeTime Super 30.860 42.790 38.66%
    Nifty 2,579.150 3,569.700 38.41%
    Bajaj Allianz: Unitgain plus 17.621 24.188 37.27%
    Metlife Multiplier 12.474 16.646 33.45%
    Kotak dynamic 18.795 24.699 31.41%
    aviva Saveguard growth 18.970 23.988 26.45%
    Max New York Growth 13.920 17.420 25.14%
    TATA AIG Growth 14.218 17.660 24.21%
    ING Vysya Growth 12.204 14.712 20.56%
    Aviva Lifelong 24.459 28.375 16.01%
    Birla Sun Life – Enhancer 19.427 22.384 15.22%

    from this table u can easily found ur answers

  2. “The most talked-about and popular Life Insurance product today, is perhaps the Unit Linked Insurance Policy (ULIP). This is an attempt to decipher one of the biggest innovations of the life insurance sector.”

    Investing prudently and taking adequate life insurance is the key to meet your financial goals. ULIPs offer an ideal avenue that allows you to invest as well as insure.

    What is a ULIP?

    Unit Linked Insurance Plans (ULIPs) are policies that provide a combination of a life insurance cover and investment. A ULIP has two components – the ‘protection component’ and the ‘savings component’. The ‘protection component’ is the life insurance cover and the ‘savings component’ is that portion of the premium invested by the insurance company on your behalf.

    ULIPs have become very popular because of their dual role of offering risk cover and wealth build-up through investments. The present guidelines regulating these policies, flexibility, liquidity, etc. make them a preferred savings-cum-investment destination.

    Assessing Fund Performance:

    You will be allocated units upon your investment. Each fund’s unit has a value attached to it, which is unique to that fund and known as the fund’s NAV i.e., Net Asset Value. Your investment value is the number of units allocated to you multiplied by the fund’s NAV. The NAV changes daily, as per the value of the fund’s total investments. The NAV movement will give you a fair idea on the performance of your fund.

    The NAV is Calculated in the Following Manner:

    Net Asset Value (NAV) = (Market Value of investment held by the fund +/- the expenses incurred in the purchase/sale of assets + value of Current Assets + any accrued income net of fund management charges – value of Current Liabilities- Provisions) divided by Number of outstanding units in the Fund. Because of the sheer benefits associated with ULIPs, an insurance portfolio without this type of policy is truly incomplete.

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  3. hi,
    NAV of ULIP is calculated on daily closing working days,(i.e from MONDAY to FRIDAY),
    IF u have to pay the amount on a regular basis the it will not make any sense that u wait for sensex to come down,but if u have to invest all your money together than you have to wait for market to come down.

  4. he total value of the shares/bonds/other financial instruments held by the company devided by the number of units outstanding is the NAV value per unit.
    you cannot choose the date to pay the instalements, the date is prefixed.

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