Ideal plan

Savings Insurance Plan

In the insurance parlance, long-term value creation and financial protection are like two sides of t... Read More

Ideal plan

Savings Insurance Plan

In the insurance parlance, long-term value creation and financial protection are like two sides of the same coin. They are often discussed together, complement each other in your financial journey, and are inseparable objectives of a smart financial plan. Even if they seem fundamentally different, they are tied together with a common goal of securing your financial future and safeguarding your dreams against life’s uncertainties. The best savings plans are curated exactly for this very purpose, in order to deliver top benefits for your unique financial journey. Such savings insurance plans are primarily targeted for achieving dual goals: A) Enabling you to develop a discipline of saving your hard-earned money consistently for the purpose of wealth accumulation and B) Delivering steady returns over a long period of time and helping you meet major milestones in life more confidently with a built-in life cover. For instance, if you invest Rs. 5,000 every month for 20 years, you could actually build a maturity corpus of Rs. 15 lakh to 20 lakh (depending on the plan chosen and the benefits received), while ensuring that your family is covered throughout with a life insurance cover.

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What Is a Savings Insurance Plan?

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Here’s How A Monthly Savings Plan Works

Let’s simplify this with a sample illustration.

Supriya, aged 30, buys a savings plan (policy term - 20 years) online from Ageas Federal Life Insurance with a monthly premium of Rs. 5,000. She gets a life cover of Rs. 10 lakh and at maturity, receives a lump sum of Rs. 14 lakh (guaranteed benefits + bonuses). 

If something happens to her during the policy term, her family gets the full sum assured. 

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How Your Money Grows In The Best Savings Plans In India

In essence, think of your savings policy like building a house brick by brick. You place each piece carefully in its place, one at a time (= your monthly premiums), which, over the years of construction (= policy tenure), becomes the dream home that you always wanted, strong and huge (= corpus creation). To shield the family members from harsh weather conditions outside, you put a protective roof on top of the walls of the house giving it a complete look. This protective roof is very similar to the life cover element in the savings plan which shields your life goals from unfortunate events during the policy term. Just like how a seed grows into a sapling first and then into a strong tree with time, a savings investment plan is an excellent financial product which acts as a financial foundation for your bigger dreams, one premium at a time, gradually growing into a huge safety net with financial discipline and your regular savings, reaping fruits of guaranteed returns and bonuses - all this and more without the stress of market-linked volatility and unpredictability. 

Benefits Of Buying Savings Plans

A savings insurance plan is a long-term anchor and goal-based financial instrument designed to support specific life stages. Moreover, it is the most preferred choice for lakhs of policyholders who are wanting to combine assurance with returns and protection with growth by way of a future-ready plan. Not only does it understand your financial needs for life’s key events like education, marriage, home purchase and retirement, it also plans beforehand to protect your family upon unforeseen events like the policyholder’s death. This dual benefit gives you complete peace of mind to make better financial decisions today without worrying about tomorrow. Stress no more about who will care for your loved ones and provide for their needs financially after you are gone. A smart savings insurance policy is all your family needs to take charge of their financial situation immediately, to maintain their standard of living, to replace your income, to provide for their everyday expenses, to pay off your debts, to retain family assets and to keep their life goals alive. Some policyholders also view savings insurance plans as goal enablers since they help turn aspirations into achievable milestones, while many others think of savings plans as legacy creators because they help leave behind a financial cushion and not just liabilities for the next generation.

STEP 1 :

Life Protection

No matter how smart your financial plan may be, one unfortunate event is all it takes to turn it upside down, pushing your family into deep financial distress in your absence. However, your savings plan promises to step in to extend financial help during such challenging times so that when your loved ones are grieving your loss, they do not have to deal with your outstanding financial commitments. Unlike traditional / pure investment products that offer only wealth creation, a savings plan combines wealth accumulation with life protection benefit.

What Are The Features Of A Savings Insurance Plan?

  • Maturity Benefit
    Maturity Benefit

    As savings plans build a potentially significant corpus, it brings certainty to your savings and peace of mind to you.

  • Tax-Saving Benefits
    Tax-Saving Benefits

    Get tax deductions for the premiums invested and tax exemptions for the maturity benefit, subject to prevailing tax laws.

  • Loan Against Savings
    Loan Against Savings

    Get an option of availing a loan against your policy to meet any unforeseen expenses.

  • Death And Maturity Benefits In Installments
    Death And Maturity Benefits In Installments

    You can also opt to receive death and maturity benefits in installments to ensure judicious use of funds at the right time when you and your loved ones are actually in need.

  • Regular Savings
    Regular Savings

    A savings plan encourages disciplined savings, and helps you meet your life goals.

  • Steady Returns
    Steady Returns

    Get steady returns that are risk-free, provided you pay all the premiums on time. In other terms, get guaranteed payouts that offer you financial independence.

  • Savings Plus Life Insurance Cover
    Savings Plus Life Insurance Cover

    The plan gives you a comprehensive life cover that provides you with the much-needed financial security for your family and also invests your money in a conservative portfolio of bonds and other fixed-income securities. 

  • Regular Income
    Regular Income

    There are some savings plans that do offer regular income options. The regular income, however, depends on the variant selected by you, the key highlight here being liquidity.

  • Wide Eligibility Criteria
    Wide Eligibility Criteria

    With flexibility in premium payment, anyone who is below the age of 60 years can start investing in an offline or online savings plan.

Steps To Buy A Savings Plan From Ageas Federal

Under savings plans, all plans except the Super Cash Supreme variant are available to buy online on the Ageas Federal Life Insurance website. Whether online or offline, Ageas Federal aims to make savings insurance plans not just simpler and transparent but also easy to understand, manage, track and claim with a digital-first approach. Buying the savings policy online comes with its own set of advantages like faster processing, lower premiums, and additional offers which are usually designed exclusively for online buyers. Here are the steps to follow in order to apply for your savings insurance plan online: 
Assess Your Goals

Assess Your Goals

Define your financial goals clearly i.e. what you want to achieve from the returns that your savings insurance plan shall give.

Estimate Your Budget

Estimate Your Budget

Compare Plans

Compare Plans

Use Online Calculators

Use Online Calculators

Check Eligibility  And Terms

Check Eligibility  And Terms

Submit Application

Submit Application

Undergo Medical Tests (if required, especially for higher coverage)

Undergo Medical Tests (if required, especially for higher coverage)

Make Payment & Receive Policy Post Verification

Make Payment & Receive Policy Post Verification

Mistakes To Avoid When You Are Buying Online Savings Plans

  • Benefit 1

    Not checking the insurer’s credibility and claim settlement ratio

    Benefit 1

    Ignoring the advantages of buying policies online compared to offline hassles in the purchase processes 

    Benefit 1

    Neglecting policy flexibility: Payout options, tax benefits, rider availability, policy terms, premium payment frequency, withdrawals, loans etc.

    Benefit 1

    Choosing wrong policy tenure and sum assured

  • Benefit 1

    Skipping policy comparison for benefits and returns

    Benefit 1

    Not considering inflation factors, life cover component and fine print written on the document

    Benefit 1

    Overlooking your risk-return appetite and going for a one-policy-fits-all solution 

    Benefit 1

    Purchasing without the clarity and commitment to stay invested for a longer tenure

Why Should You Choose Ageas Federal For Your Savings Insurance Plan?

Choosing an ideal savings policy which can be tailored for your unique financial journey is definitely important. However, choosing a reliable insurance partner like Ageas Federal Life Insurance to help you manage the savings plan for a longer duration by maximizing policy benefits is even more important. 

Why choose Ageas Federal

Here are the top 5 reasons why thousands of policyholders are picking Ageas Federal as their most preferred platform to partner for their financial futures. You too can evaluate, compare and explore from the vast list of savings insurance plans available online on the website so as to grow your wealth steadily and build a substantial corpus safely for your immediate and long-term financial needs. 

  • Diverse Product Portfolio 
  • Digital-First Customer Journey 
  • Policy Flexibility 
  • Customer Centricity 
  • Strong Claim Settlement Ratio 

Diverse Product Portfolio 

From guaranteed returns to ULIPs, Ageas Federal offers a plethora of plan options for every life stage and goal such as education, retirement, and wealth creation. Additionally, you can even enhance your cover with customizable add-on riders like critical illness or accidental death benefits. Moreover, when you choose from the list of Ageas Federal savings insurance plans, remember that you are also choosing holistic coverage, comprehensive offerings, stable returns, predictable growth and a risk-free 2-in-1 policy.

Example: A 30-year-old investing Rs. 5,000 every month can build a maturity corpus of Rs. 15 lakh to Rs. 20 lakh over time, while ensuring that the family enjoys complete financial protection - powered by Ageas Federal’s reliable savings insurance solutions.

What Are The Documents Required To Buy A Savings Plan? 

Having accurate and valid documents handy for online submission makes the whole buying process much simpler and easier, thus ensuring quicker verification of your application and policy issuance from the company thereafter. You can therefore avoid delays and get done with the policy purchase in just a matter of a few online steps. Here is a list of documents you require while buying a savings plan online from Ageas Federal.
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How To Compare Savings Plans And Benefits Before Deciding? 

Benefit 1

Desired Sum Assured

Benefit 1

Risk Versus Returns

Benefit 1

Lock-Ins And Withdrawals

Benefit 1

Policy Tenure

Benefit 1

Your Goals

Benefit 1

Plan Type

Benefit 1

Payout Options

Benefit 1

Tax Benefits

Benefit 1

Hidden Charges And Policy Deductions (If Any)

Benefit 1

Maturity, Surrender, Survival & Death Benefits

What Are The Different Types Of Savings Insurance Plans?

Different savings tools support different goals and come with different benefits. From traditional schemes like Fixed Deposits and Public Provident Fund to goal-oriented options like ULIPs, Endowment Plans, and the Sukanya Samriddhi Yojana, each plan has been designed to achieve a certain purpose and matches with your specific goal during different stages of your life. While savings insurance plans offer the dual benefit of protection and growth, government- backed schemes ensure safety and steady returns. Consider diversifying your financial plan and investments with short-term deposits and long-term wealth-building options, so that each solution can move you closer to your goals with more confidence and financial freedom. Understanding these plans in detail helps you choose the one that best fits your needs. This way, your hard-earned savings can secure a brighter future for you and your loved ones. Here’s a closer look at some of the most popular and best savings options available in India.

Unit-Linked Insurance Plans (ULIP) 

For instance, investing Rs. 10,000 per month in a ULIP for 10 years could yield significantly more than traditional plans depending on market performance. Unlike mutual funds, ULIPs also offer life cover and tax-free maturity benefits under Section 10(10D), if conditions are met. ULIPs are market-linked instruments designed to invest a part of your premiums in equity, debt, or balanced funds of your choice and the other part goes into building your life cover for any unfortunate events.  

Unit-Linked Insurance Plans are excellent for both conservative investors and aggressive investors as they take into account their risk-return appetite and can be tailored to suit their investment journey. ULIPs offer flexibility to switch funds, top-up investments, and track portfolio performance, making them ideal for financially savvy individuals. Want higher returns, long-term discipline, systematic investing and goal-based growth? ULIPs are the way forward then!

Who Should Invest In Savings Plan?

Savings plans are usually recommended for everyone, however, it is utmost essential for you if you are -  
A young professional just starting out with your financial planning journey and are looking for rewarding instruments to boost your savings potential. Even if it seems difficult to start saving immediately, when you are absolutely new in your career, it is indeed the best time to begin with your smart investments to gain excellent benefits over time.  Financial discipline early on, future financial stress gone! If you start saving even as little as Rs. 3,000 per month at age 25, you could accumulate a corpus of Rs. 10 lakh to Rs. 12 lakh by age 45, all while enjoying life cover protection and tax benefits. 
A parent planning for your kid’s education, wedding, or future expenses. A well- structured savings plan takes care of every parent’s dream to build an unimaginably comfortable life for their child. Raj, aged 28, invests in a child savings plan. With regular premiums of Rs. 5,000 per month, he builds a corpus of Rs. 15 lakh to Rs. 18 lakh for his child’s higher education, while the policy ensures continued benefits even if he’s not around. Thus, Raj’s dreams for his little one’s future are not compromised due to financial inability.
An individual nearing retirement and seeking a policy that can build a stable corpus with guaranteed returns. At such a life stage when you desire regular and assured income over opting for high-risk investments, savings insurance makes your retirement way more easy and financially stable. Meera, aged 55, chooses a guaranteed return savings plan for 10 years. Her investment of Rs. 10,000 per month provides her with a maturity corpus of Rs. 15 lakh to Rs. 17 lakh, ensuring a steady post-employment fund for her golden era. Think of the payout from the plan like a secondary income for your secured second innings.
A salaried employee seeking tax benefits while saving for long-term goals. Flexibility in premium payment terms? Yes. Tax efficiency? Yes. Convenience in payment frequency? Yes. Affordable savings plan? Yes. In short, the best savings scheme has the solution to all your investment problems as a working professional who wants to save smartly without affecting your current monthly budget. Suppose you invest Rs. 50,000 per year, you can claim the same amount as a tax deduction while earning guaranteed returns and enjoying insurance cover. A true triple advantage!
A family that wants a safe investment option without market risk. A dependable savings plan option from a reliable insurance company. That’s a classic duo for your financial future. Ageas Federal + wide range of savings policies exclusively designed for you = Everything your family needs to build wealth comfortably and consistently. Ashok, aged 45, invests in a ULIP savings plan to diversify his family’s portfolio. His investment of Rs. 1 lakh per year helps him tap into higher market-linked growth while still having life cover protection.
A person with a future financial goal like buying a house, going for higher education, or planning for early retirement. When you buy a savings plan online from Ageas Federal Life Insurance, you are choosing predictability for your important events and goal-driven future. Supriya, aged 32, dreams of starting her own boutique in the next 12 years. To achieve that goal, she invests Rs. 4,000 per month in the Ageas Federal savings insurance plan. And the outcome? A maturity corpus of approximately Rs. 9 lakh to Rs. 10 lakh. Family protection with a life cover throughout the policy term. Financial alignment to her long-term goal. Opportunity to turn her passion into a realistic, well- protected reality.

How To Choose The Right Savings Plan For You?

Not every savings plan is ideal for you. In order to choose the right savings insurance policy, you must consider a few important factors before purchasing the plan.

How Long Should You Invest In A Savings Plan?

The exact tenure of your savings plan ideally depends on multiple factors like your goals, financial obligations, cash flow situation, and future financial security desired. However, most plans deliver higher returns when you stay committed for a longer term, typically ranging between 10 years to 25 years.

Why should you opt for a medium to long-term horizon? 

  • Benefit 1Compounding benefit unlocked 
  • Benefit 1Market swings balanced out 
  • Benefit 1Returns maximized, risks minimized 
  • Benefit 1Savings habit and financial discipline enabled
  • Benefit 1Premiums kept affordable throughout  
  • Benefit 1Comprehensive coverage achieved for an extended period 

For example : If you invest Rs. 3,000 every month for 10 years, you may get Rs. 6 lakh to Rs. 7 lakh, whereas the same investment for 20 years can give you around Rs. 14 lakh to Rs. 16 lakh. 

Short-Term Goals

5 to 10 Years

Good for milestone-based payouts like buying a car or home renovation.

Medium-Term Goals

10 to 15 Years

Suitable for child education, family security, or starting a business.

Long-Term Goals

15+ Years

Perfect for retirement planning, legacy building, or wealth accumulation.

Savings Plan Options On Ageas Federal

Under Guaranteed Income Plan, get a quick, hassle-free life insurance plan with guaranteed benefits. The benefits are guaranteed irrespective of market conditions. They are expressed as a percentage of your premiums (excluding applicable taxes) and depend on age at entry of the life insured and premium amount.  


What makes this policy a must-have? 

  • Life cover with guaranteed benefits  
  • Quick issuance 
  • Flexibility to choose premium payment term and policy term  
  • Choice of receiving your benefits as a lump sum or as regular income based on your need  
  • The plan offers two options to the customers to choose at onset: Income Option and Endowment Option.  

The plan offers two options to the customers to choose at onset: Income Option and Endowment Option.


Let’s understand the policy in detail with a benefit illustration:
Income option pays 5 Guaranteed Annual Payouts (GAP) on survival of the life insured till end of each year, starting from end of 6th policy year till end of policy term i.e. 10th policy year.

Age at entry Policy term Premium payment term Annual premium Get Guaranteed Annual Payouts (GAP) for 5 years from end of 6th policy year till end of 10th policy year
36 years 10 5 Rs. 80,000 Rs. 1,00,232

Endowment option pays Maturity Sum Assured (MSA), at Maturity i.e. the end of the 10th policy year.

Age at entry Policy term Premium payment term Annual premium Get Maturity Sum Assured in lump sum at the end of the 10th policy year
30 years 10 5 Rs. 1,00,000 Rs. 7,11,250

This option pays Maturity Sum Assured (MSA), at Maturity i.e. the end of the 10th policy year.

Age at entry Policy term Premium payment term Annual premium Get Maturity Sum Assured in lump sum at the end of the 10th policy year
30 years 10 10 Rs. 75,000 Rs. 9,36,225

This option pays Maturity Sum Assured (MSA), at Maturity i.e. the end of the 15th policy year.

Age at entry Policy term Premium payment term Annual premium Get Maturity Sum Assured in lump sum at the end of the 15th policy year
30 years 15 10 Rs. 60,000 Rs. 9,57,660

Saving for your future is important, but what is also important is to protect those savings. Wealth and prosperity with stability remain the most preferred wishes for most individuals.

Key benefits of the Life Advantage Plus Plan:

  • Maturity boosters to enhance your savings
  • Bonuses when declared help build your corpus
  • Choice of policy terms and premium paying terms to suit individual needs
  • Security for family through life cover
  • Tax benefits on premiums paid and benefits received as per the tax laws

The plan encourages you to save today and live a fearless future tomorrow. Even in your absence, the plan promises to fulfil your responsibilities towards your family. The policy is designed to keep you committed to regular savings; it enhances your savings with maturity boosters and likely bonus contributions. And most importantly, it comes with a life cover and recognizes that guarding your family’s happiness and financial confidence is of paramount importance to you.

Assured Income Plan, a non-linked, non-participating, individual, savings, life insurance plan is designed to protect your family’s future. It ensures that they lead their lives comfortably without any financial worries, even in your absence. The plan offers you guaranteed financial payouts so that you are assured of achieving your dream goals. Key features include:

  • Choose from the three plan options: Short-Term Income (For 10 Years), Long Term Income (For 25 or 30 Years), Lifelong Income (Till the end of the policy term).
  • Receive Guaranteed Maturity Booster at maturity along with the last Guaranteed Regular Income (GRI).
  • Receive Guaranteed Regular Income basis your plan options: This is payable on survival of the life assured during the income payout period. GRI will vary depending upon plan option, plan option once chosen cannot be altered.
  • Flexibility to choose premium payment terms or policy terms.
  • Tax benefits may be available.

Choose from the 5 plan variants and enjoy the magic of guarantee with Magic Saving Plan.

  • Mega Lump Sum: Maturity benefit shall be payable as lump sum at the end of policy term.
  • Absolute Income: Maturity benefit shall be payable in equal installment as regular income during the income period selected by the policyholder.
  • Guaranteed Income With Lump Sum: Maturity benefit shall be payable as follows: Maturity benefit shall be payable in equal installment as regular income during the income period selected by the policyholder. Lump sum equal to 110% of total premiums paid till date excluding modal loadings at the end of income period.
  • Immediate Income: Guaranteed immediate income shall be payable every year during the policy term and maturity benefit shall be payable in equal installment as regular income, during the income period chosen by the policyholder.
  • Consistent Money Back: Guaranteed consistent income shall be payable at the end of every third policy year during the policy term and maturity benefit shall be payable in equal installments as regular income at the end of every three years, during the income period chosen by the policyholder.

Ageas Federal Life Insurance Guaranteed Wealth Plan is a non-linked, non-participating life insurance plan. Top benefits of the plan:

  • Flexibility to choose premium paying term and policy term as per your goals: Under lump sum benefit, pay premiums for 7 or 10 years and get corresponding life cover for 14 or 20 years. For regular income benefit, pay premiums for 7 years and get life cover for 14 years.
  • Secure your family financially with a life cover for the chosen policy term: The plan has a life insurance cover for the chosen policy term of 14 or 20 years.
  • Enjoy guaranteed benefits irrespective of market conditions: The benefits are guaranteed and will be paid regardless of market volatility.
  • Choose to receive your benefits as a lump sum or as annual payouts based on your need: This plan offers two options i.e. lump sum benefit and regular income benefit.
  • You may avail tax benefits under u/s 80C and 10(10D): The premiums are eligible for deductions under section 80C of the Income Tax Act, 1961. The benefits received under the plan are tax-free under section 10(10D) of the Income Tax Act, 1961.

Why should you choose Super cash Supreme savings plan?

  • Comprehensive life cover to safeguard your family throughout the policy term
  • Flexible income options to choose either yearly or 5-year guaranteed payouts as per your needs
  • Customizable plan to align with your immediate goals or long-term aspirations as the case may be, check out the supreme benefits:
    • Save the Date
    • Uninterrupted Income Benefit
    • Premium Offset
    • Exclusive Benefits for females
    • Rebate on High Sum Assured
  • Tax benefits as per prevailing tax laws

Get immediate income to unlock your SUPER future with this non-linked, participating, individual life insurance Super Cash savings plan from Ageas Federal Life Insurance. Let’s understand this variant with a sample illustration. Mr. Raj, a 35-year-old healthy male (without UIB), chooses to pay Rs. 1,00,000 as an annualized premium for the premium paying period of 10 years with a policy term of 50 years. Raj invested Rs. 10,00,000 (for 10 years), and he will receive Rs. 67,46,360/- during the policy term.

  • Guaranteed Booster Rs. 20,000 paid at the end of every 5 years starting from the end of 5th policy year (5, 10, 15, 20, 25, 30, 35, 40, 45, 50). Guaranteed Booster = 20,000 X 10 = Rs. 2,00,000.
  • Cash Bonus @ 8% (Rs. 21,242) and Guaranteed Income (Rs. 7,500) from 1st year till the end of policy term = (Rs. 28,742). Cash Bonus and Guaranteed Income = 28,742 X 50 = Rs. 14,37,100.
  • Maturity Benefit of Rs. 51,09,260 @ 8%.
  • Life cover will be throughout the policy year.
  • Cash Bonus of Rs. 3,354 @ 4%.
  • Maturity Benefit of Rs. 22,24,820 @ 4%.
  • Death Benefit (at inception) Rs. 11,18,000.

Premium is excluding tax. Provided the policy is in force and all due premiums have been paid till date. Maturity benefit shown above is inclusive of terminal bonus, if any.

FAQ’S related to Savings Insurance Plans

Yes, there are some savings plans that do offer regular income options. The regular income, however, depends on the variant selected by you.

Anyone who is below the age of 60 years can start investing in a savings plan.

Well, there is no one right answer for this. What amount you must aim to have in your 25s is up to you to decide and calculate based on key influencing factors like your income, financial commitments, loans and liabilities if any, dependent family members, and long-term goals you wish to achieve in the future. Ideally, at 25, you are usually at a life stage where you are either starting out in your career / professional journey and are new to financial planning, or you may be considering wedding or higher / overseas education after a few years of working experience. In all of the above scenarios, it is recommended that you start with your investment journey as early as you can to unlock benefits of compounding, affordable premiums, higher sum assured, more years of financial protection etc. Starting to save at 25 helps you to build a huge wealth cushion over the policy term. A good rule of thumb is to have savings equivalent to at least half to one year of your annual income by this age. For instance, if you earn Rs. 6 lakh per year, aiming to save Rs. 3 lakh to Rs. 6 lakh through recurring deposits or insurance-linked savings policies is a solid start. To set the stage for a smart financial strategy for your future investment journey, at 25, you must shift focus to being consistent, regular and systematic with your savings objective. To begin with, financial discipline is more important than the actual amount you can invest.

A one-size-fits-all approach doesn’t work in your savings strategy. Because each individual is different. So are their financial needs and goals for life. You must aim to at least have six months of expenses saved up as contingency reserve for urgent needs. Moreover, it is extremely important to plan your investments in such a way that they can come to your rescue when you need them the most i.e. during uncertain times, key life events, and your family’s major milestones. Structure your savings to align with your personal financial journey by taking into consideration specific information about you and your loved ones (such as your age, your dependents, their dreams, your health status, your future financial goals, current commitments like any ongoing loans etc.) instead of benchmarking a random figure as an average.

If the 5-year savings plan is what you are looking at, then here is what it entails for your financial journey. The 5-year savings plan is ideal for short-term goals like a car purchase, or education fund as it provides liquidity for your immediate milestones in the near future. It goes without saying that the more years you stay committed to your savings plan, the higher returns and growth you can achieve. If you are looking at other investment options for only a 5-year time frame, then short-term mutual funds, ULIPs, recurring deposits, and short-tenure savings insurance plans (with guaranteed maturity benefits) are great instruments to consider for stability and predictability.

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