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Today, just earning isn’t enough! While we work hard, the amount we earn may not be adequate to deal with the constant rise in day to day expenses and healthcare. To add to that, as parents you have the additional responsibility of saving up for your child’s future and your life, post-employment! Thus, the need for investment is unquestionable. With ULIPs, invest your money in a tax-exempt corpus and watch it grow. Not only does a ULIP policy help you save money but it creates wealth for a bright future. Go with Finserv Markets and choose a ULIP plan that will take care of your present and your future.

Why choose Finserv Markets For Investment Plans

Top-Rated

As per Morning Star, ULIP funds at Finserv Markets enjoy good ratings with approximate tax-free returns as high as 25% over a 5-year investment period.

High Asset Under Management

With approximately 2,00,000 crores held in terms of Assets Under Management (AUM), know that your ULIP investments are among the best in the market.

Tax Benefits

Under the Income Tax Act of 1961, ULIPs are tax-free investments. As a customer, you needn't pay any tax during investment, while your money grows, during fund switches or during maturity.

Least Cost Structure

With ULIPs at Finserv Markets, policyholders do not have to pay any charge when allocating funds. Neither are there any return of mortality charges levied.

Flexibility

Policyholders enjoy the flexibility of choosing between 4 investment portfolio best ULIP strategies thus helping one plan better for higher returns that are tax-exempted.

Reasons to opt for Investment Plans

  • Tax-free Savings

    ULIPs offer policyholders the benefit of investing minus the taxes that are usually levied. Under the Income Tax Act of 1961, you save under the section 80(C) during contribution and section 10 (10D) during withdrawal. Go with Finserv Markets for the best ULIP policies.

  • Self Dependency

    Being financially independent, especially post-employment is important. Working hard towards meeting the financial and aspirational goals of your family is great, but you need to set aside funds for life during retirement. Moreover, you may have goals and dreams that you’d like to pursue too – get an investment ULIP plan in place today and save up for your future. Also, the fact that ULIPs are a great tax-saving tool just makes it worth the investment.

  • Allows Money to Grow

    Why let money lie idle when you invest it? Choosing a smart ULIP plan (based on your risk appetite) offers the dual benefit of an investment and an insurance policy - the best way to grow your money. Not only are you investing in your future, but you’re also protecting yourself in doing so. Money sitting in your bank account is just an earning opportunity lost, especially when its tax-free.

Investment Plans: An Overview

Unit Linked Investment Plans are comprehensive investment products in which you get the dual benefit of market returns along with an insurance cover. Investing in ULIPs help you generate wealth while securing yourself and your family with an insurance cover. When you invest in a ULIP, the insurance company puts a portion of your investments towards market linked products like equity shares, bonds, etc. while the other portion is invested in a life insurance policy. ULIPs are long term investment plans which have a lock-in period of 5 years with tax benefits under Section 80C and Section 10D of the Income Tax Act, 1961. ULIPs are also exempt from tax under the recently introduced LTCG or Long-Term Capital Gains tax.

 

What is a savings plan?

Savings plans are investment instruments in which you contribute money on a regular basis to achieve a financial goal. Savings plans could be short- term or long term. Usually in a saving plan, the periodic contribution is automatically transferred from your registered bank account into saving or investment account as per your mandate. An insurance policy is a type of saving plan.  

 

Eligibility Criteria  

To invest in a ULIP investment plan, you should meet the entry age criteria given in the policy document. Moreover, you can invest in a ULIP when your age is within the age range at the time of the maturity required as per the policy terms and conditions.  

 

Documents required for buying an investment plan

To buy an investment plan, you will be asked to submit the following documents:-

  • Your income proof that includes salary slips, income tax returns, bank statement etc.
  • Your address proof like Driving License, Aadhar card, Voter ID card, passport, etc.
  • Your Identification proof like PAN card, Aadhar card, voting card, etc.
  • Your age proof which could be either your Aadhar card, voting card, passport, or driving license etc.

Finserv Markets also offers ULIP Plans for investments and child’s education.
Our child plan can help you prepare for your child’s bright future. Also, our pension plan helps you to save for your retirement in a smart way

Manage all your queries here

  • Could you list some of the main benefits of a Bajaj Allianz ULIP investment plan?

    Some of the main benefits of choosing an investment plan are as follows: Death Benefit: This refers to the fund value/amount that will be paid in the event of the death of the policy holder/insured. This amount is also called ‘Sum Assured.’ Maturity Benefit: This refers to the fund value that will be paid to the ULIP investment plan holder in case of his/her survival. This is also called ‘Maturity Benefit.’ Tax Benefit: As the term itself suggests, a ULIP plan holder can claim the insurance amount paid as investment premiums, as a tax benefit of up to Rs. 1.5 lakh, under section 80C of the Income Tax Act.

  • How do I differentiate between SIP and ULIP?

    SIP is the abbreviation of Systematic Investment Plan and is just a way of investing in mutual funds. The benefit of investing in a SIP is that you can regularly invest in mutual funds thus creating a good savings plan. On the other hand, a ULIP is a financial product that offers the combined benefits of life insurance and an investment plan like a mutual fund. In a ULIP, a portion of the premium is set aside which is added towards your sum assured and the remaining amount is distributed in some of the best long term investment plans such as equities, fixed returns or a mix of both.

  • What are the plus points of choosing to go with ULIPs?

    ULIPs offer life cover: While mutual funds are just an investment tool, a ULIP offers you the dual benefits of an investment plan and also life insurance. Thanks to our partnership with Bajaj Allianz, you can now go with the best one-time investment plans in India. Also, you can do all this, online. ULIPs are designed while keeping investor interests in mind: A typical ULIP investment plan offers three options - equity options with high returns, moderate/safe debt options as well as a balanced option. This takes into consideration the risk appetite of the investor, whether he/she prefers to take an aggressive approach or stay safe and calculated. Fund switch option: If you choose to go with a mutual fund, you are left with just 2 options should the market not perform well – continue to invest hoping that the market will rebound and start performing better or surrender the fund. On the contrary, a ULIP allows the policy holder to switch funds as and when needed, based on market performance. Minimal charges involved: When choosing a ULIP investment plan, there is a charge involved for allocation of the premium. As per IRDA, this is capped at 1.35%. What’s important to know is that these charges are applicable only during the initial years of investment and begin to reduce, then eventually disappear altogether. Tax Benefits: As you may be aware, ULIP premiums are tax-exempted up to Rs. 1,50,000 under section 80C of the Income Tax Act. Also, ULIP returns are also tax-exempted. This is not the case with mutual funds as only a few select funds enjoy this benefit.

  • Is it possible to track the performance of my Bajaj Allianz ULIP plans?

    Should you choose to invest in a ULIP plan offered by our partner Bajaj Allianz, you will receive policy statements on a regular basis. This will keep you informed about your fund, its performance and its value as on the anniversary date. You can also log on to our customer portal and view your investment policy and its performance.

  • What if I want to change the mode by which I pay my premium? Is it possible?

    Yes, you can change the mode of premium payment for active polices on the anniversary date.

  • I am looking to invest in an online ULIP investment plan. Could you list some of the portfolio strategies that I can choose to invest in?

    Sure! Here are four portfolio strategies that you can invest in, should you choose to go with our partner, Bajaj Allianz – 1. Investor Selectable Portfolio Strategy, 2. Wheel of Life Portfolio Strategy, 3. Trigger Based Portfolio Strategy, and 4. Auto Transfer Portfolio Strategy.

  • What are the types of investments/funds available under the Bajaj Allianz Future Gain investor selectable portfolio strategy?

    The funds include: 1. Equity Growth Fund II, 2. Accelerator Mid-Cap Fund II, 3. Pure Stock Fund, 4. Asset Allocation Fund II, 5. Blue-chip Equity Fund, 6. Bond Fund and, 7. Liquid Fund.

  • How do I differentiate between a traditional plan and a ULIP investment plan in India?

    Traditional saving plans don’t offer policy holders the freedom to choose the funds/assets of investment. This decision lies with the insurance provider. Also, a traditional plan offers returns as sum insured along with the bonus (if and when this is disclosed). The bonus here is dependent on the profit margin of the insurance providers and its declaration again lies with the insurance company. Moreover, since returns are assured here, a large chunk of the premium is invested in securities that are risk-free, as directed by the Insurance Regulatory and Development Authority of India(IRDAI). The best online ULIP investment plans offer the dual benefit of life insurance as well as investment in assets (equities/debt) based on the choice and risk-appetite of the policy holder. There is a minimal charge involved in the allocation.

  • What is meant by the term ‘Rider’?

    This is the term applied to any additional benefit that is offered over and above a base plan at an extra cost. However, riders cannot be bought alone. The investment premium payment term and the policy term is the same as the base plan. Also, the sum assured of a rider cannot exceed that which is mentioned in the sum assured of the base plan.

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