Investment plans are wealth creation products that can help you achieve your long-term and short-term financial goals through systematic investments.

Unit Linked Investment Plans (ULIPs)

A ULIP is a financial instrument that comes with the dual benefit of investment in the capital market and financial protection through a life cover5. Typically, these plans offer investment opportunities through equity, debt and balanced (hybrid) funds making them appropriate for investors of all kinds of risk appetite. ULIPs are long-term investment products offering a healthy market-linked capital growth over a 10 to 15 year horizon. The ICICI Pru Signature Plan is a good ULIP offering useful benefits, such as systematic withdrawals1, wealth boosters*, tax benefits2, unlimited free fund switches, and more.

Endowment Plans

Endowment plans are life insurance policies that combine savings and protection and offer the benefit of both through a single instrument. These plans provide risk-free savings in a systematic manner along with a life cover5. The returns on these policies are not market-linked. They come with a fixed policy tenure. For assured returns, you should go for a plan like the ICICI Pru Guaranteed Income for Tomorrow Plan. This plan offers you guaranteed3 benefits in the form of a lump sum or regular payment as per your choice, making it a suitable option for risk-free savings.

3 T&C apply

Monthly Income Plan

A monthly income plan offers systematic investment into the capital market along with a life cover5. These plans allow you to make periodic investments into the capital market of your choice. These investments can be monthly, quarterly, half-yearly, and annual. Just like ULIPs, these plans allow you to invest in equity, debt or balanced funds based on your risk appetite. With plans like the ICICI Pru Lifetime Classic, you get the opportunity to systematically invest in the capital market with useful benefits like fund switching, top-up options, loyalty rewards and wealth boosters*, and more.

National Pension Scheme (NPS)

NPS is a long term investment plan backed by the Government of India for employees of all sectors. Through this instrument, you can systematically invest money through periodic instalments and build your retirement corpus. Once you reach the age of 60, the scheme allows you to withdraw a certain portion of the total corpus in a lump sum and then receive the rest in the form of monthly income. NPS also offers tax2 benefits under the Income Tax Act, 1961.

Public Provident Fund (PPF)

PPF is also a retirement investment option that offers high returns at minimal risk. A PPF can be opened in a bank or post office by all Indian citizens. It offers tax2 benefits under the Income Tax Act, 1961.

Senior Citizen Saving Scheme

As the name suggests, the Senior Citizen Saving Scheme is a special savings plan for investors over the age of 60. This account can be opened at a public or private bank or the post office. You can also avail tax2 benefits under the Income Tax Act, 1961.


Investment plans can help you create wealth, but it is important to understand how each instrument can benefit you as per your financial goals and future needs. Understanding the various investment options and being up to date with their benefits, interest rates, and features can help you pick a plan that aligns with your goals and offers you the best possible returns.

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1 Systematic Withdrawal Plan is allowed only after the first five policy years.

2 Tax benefits under the policy are subject to conditions under Sections 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services Tax and cesses, if any, will be charged extra by redemption of units, as per applicable rates. Tax laws are subject to amendments from time to time. Please consult your tax advisor for more details.

3 A guaranteed lump sum or regular income will be payable based on the plan option selected.

4 The Company will allocate extra units as below provided all due premiums have been paid:

Premium Payment Term Loyalty Additions Wealth Boosters
(End Of Year 6 And 7) (End Of Year 8 And Onwards) (End Of Every 5th Year, Starting From The End Of 10th Policy Year)
5 years – 6 years 0.10% 0.10% 1%
7 years – 9 years 0.15% 0.30% 1%
10 years and above 0.10% 0.10% 2%
Single Pay 0.25% 0.25% 1.5%
  • For single pay policies with a policy term of 5 years, a loyalty addition of 0.25% of the average of daily Fund Values, including Top-up Fund Value, if any, in that same policy year, will be payable at the end of the fifth policy year
  • Each Loyalty Addition will be a percentage of the average of daily Fund Values including Top-up Fund Value, if any, in that same policy year as mentioned in the table above
  • Wealth Boosters will be a percentage of the average Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters
  • Loyalty Additions and Wealth Boosters will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation
  • The allocation of Loyalty Additions and Wealth Boosters is guaranteed and shall not be revoked by the Company under any circumstances
  • If the premium payment is discontinued anytime after 5 years, the number of years for which premiums have been paid will be considered as the premium paying term for the purpose of deciding the Loyalty Additions & Wealth Boosters to be paid for the rest of the policy term as per the table above

  • 5 Life Cover is the benefit payable on the death of the life assured during the policy term.

    * Wealth Boosters equal to 3.25% of the average of the Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters will be allocated as extra units to your policy at the end of every 5th policy year starting from the end of 10th policy year till the end of your policy term.

    ICICI Pru Life Time Classic UIN: 105L155V06

    ICICI Pru Guaranteed Income For Tomorrow (UIN: 105N182V06)

    ICICI Pru Signature UIN: UIN:105L177V03


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