ULIP vs Mutual Fund – Which Gives Better Returns After Tax? | Excel Sheet Included | Myths Busted

In this video, I break down one of the most common comparisons in the world of investing — ULIPs (Unit Linked Insurance Plans) vs Equity Mutual Funds.

You may have recently been pitched a ULIP by an agent, highlighting the tax benefits, life cover, and market-linked returns. But are ULIPs actually better than mutual funds when you look at the numbers?

Let’s cut the noise and focus on facts — with no stories, just pure mathematics.

✅ What’s covered in this video:
❓What is ULIP? ULIP Kya hai?
📊 Real comparison between ULIPs and Mutual Funds using Nifty 50 Index Fund
💸 How ULIP charges (mortality, administration, allocation, GST) reduce your invested amount
🧾 How taxation works for both — including LTCG on Mutual Funds vs Tax-Free ULIP returns under Section 10(10D)
🔒 Lock-in periods, liquidity, and flexibility differences
📦 Is ULIP a Good Investment? A real-life ULIP example with ₹50,000 annual premium
📉 Post-tax return comparison - ULIP vs Term Insurance & Mutual Fund
Mutual Fund vs ULIP Comparision Sheet Link - https://docs.google.com/spreadsheets/d/1Z58LhSCQ5m0UGzfA17VJeqtcocmGMzhp15QgCxfZpfU/

Top Companies that Offer ULIPs:

- Tata AIA
- Bandhan ULIP
- Aditya Birla Sun Life
- HDFC Life (Click2Invest, ProGrowth & Smart Protect)
- Bajaj Allianz
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#mutualfunds #ulip #investment
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Resource Credits - Canva Pro, Envato Elements, PixaBay, PixaHive.
Research Tools - Screenr, TickerTape, Groww, Google Finance, and Google News

IMPORTANT - I am not a financial advisor. This video is not a stock recommendation. This is only educational. Please do your own due diligence before investing in the share market. All Securites Market Investments are subject to market risks. Please speak with your investment advisor before making any investments.

ज़रूरी सूचना - मैं एक वित्तीय सलाहकार नहीं हूं। यह वीडियो स्टॉक अनुशंसा नहीं है। यह केवल शैक्षिक है। शेयर बाजार में निवेश करने से पहले कृपया अपना उचित परिश्रम करें। सभी वित्तीय बाजार निवेश बाजार जोखिमों के अधीन हैं। कोई भी निवेश करने से पहले कृपया अपने निवेश सलाहकार से बात करें।

Видео ULIP vs Mutual Fund – Which Gives Better Returns After Tax? | Excel Sheet Included | Myths Busted канала Rohit Tripathi