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    Investment can be made into equity, government bonds, and investment schemes. That said, it’s essential to determine where to invest. The decision can be made according to your financial goals, the return an investment gives and your risk appetite. The former can be calculated through the help of a Return on Investment Calculator....Read More

    Pay ₹10,000/month for 15 years
    After 30 years
    Get ₹78.34 lakhs1@8% or
    ₹32.41 lakhs1@4%


    With Max Life Investment Plans

    Pay ₹10,000/month
    for 15 years
    After 30 years
    Get ₹78.34 lakhs1@8% or
    ₹32.41 lakhs1@4%


    With Max Life Investment Plans

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      Save tax up to Rs. 46,800##
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    : 1The assumed rate of return (4% p.a. and 8% p.a.) shown in the illustrative example are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your policy depends on a number of factors including future investment performance | The amount shown is for 30-year-old healthy male, 15 years premium payment term, 30 years policy term with Max Life Online Saving Plan (Unit Linked Non Participating Individual Life Insurance Plan | Life Insurance is available in this product)

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    Abhishek Chakravarti

    BFSI Writer

    Abhishek is a financial writer with over 6 years of experience in the BFSI sector. Prior to his current stint with Max Life Insurance, he has worked with leading fintech startups. He specializes in writing about taxation and various investment products like ULIPs, retirement plans, guaranteed investment plans, mutual funds etc.

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    Sahil Rawal

    BFSI Expert

    Sahil Rawal is a digital & brand management specialist with over 10 years of experience in Financial Services Industry. Life insurance professional with expertise in digital marketing strategy, website content marketing and brand communication designed to increase brand awareness, drive engagement & sales.

    What is Return on Investment?

    As the name suggests, Return on Investment is the percentage of return an investment gives. Return on Investment can be used to evaluate the efficiency and performance of investments. Return on Investment can help investors decide which investment would be most profitable for them.

    ROI Formula

    Apart from using Return on Investment Calculator, return on Investment can also be calculated using the very simple ROI formula.

    Return on Investment = (Net Return on Investment / Cost of Investment) x 100

    How Does it Work?

    Return on Investment is an important metric that is used to measure the performance of a particular investment scheme, equity fund, or bond.

    Explaining this with an example:

    Rahul wants to invest in one investment scheme. However, there are two investment options, option A and option B, which he needs to decide between. Both investments cost him INR 50,000 and INR 65,000 respectively (both investments have minimal risk). While option A gives a return of INR 70,000, option B gives a return of INR 80,000.

    Then, the Net Profit would be:

    Investment Option A – Return – Cost of Investment

    70,000 – 50,000 = 20,000

    Investment Option B – Return – Cost of Investment

    80,000 – 65000 = 15000

    Return on Investment (option A) = (20,000 / 50,000) x 100

    = 40%

    Return on Investment (option B) = (15,000/ 65,000) x 100

    = 23.07%

    An investment option with a higher ROI is, without a doubt, the winner here. Ergo, Rahul should invest in investment options A. However, investment duration is a concern here, when you calculate ROI manually, using a formula.

    Apart from this formula, another answer as to how to calculate Return on Investment is an ROI calculator. A Return on Investment Calculator takes investment duration into consideration while computing Return on Investment.

    What is ROI Calculator?

    A Return on Investment calculator or ROI calculator is an online tool that measures the profitability of an investment scheme. It can help you decide if a particular investment gives you the returns that match your financial goals.

    Benefits of Using a Return on Investment Calculator

    If you are considering investing in a particular investment plan or looking to expand your investment portfolio, using a Return on Investment Calculator in India can be highly beneficial for you. Here are the many benefits of using a Return on Investment Calculator:

    Benefits of Using a Return on Investment CalculatorBenefits of Using a Return on Investment Calculator

    1. Helps you Choose the Right Investment Plan

    From equity to debt, there are ‘n’ number of investment avenues available in the market. But how would you know where to invest? A Return on Investment Calculator can help you select the right investment plan that gives you the highest return as per your risk appetite. You can calculate the profitability of a variety of investment plans, compare them and select a suitable investment plan.

    2. Helps you Plan your Financial Future

    The financial future is all about savings. While the primary source of savings is income, the secondary source can be investments. Investments can help you meet your financial goals a lot faster. Ever so more, one investment can give you returns that can increase your corpus drastically.

    However, for that to happen, it’s essential that you choose the investment plans that offer you high returns. A Return on Investment Calculator can come to the rescue by helping you calculate the return on investment. With this figure in hand, investors can make wise purchasing decisions. At the same time, they can calculate how much more they need to invest to meet their financial goals.

    It’s Simple and Easy to Use

    A Return on Investment Calculator is very easy to use. You just have to enter the details, and the Return on Investment is calculated by the ROI calculator.

    How to Use an ROI Calculator?

    How to Use an ROI CalculatorHow to Use an ROI Calculator

    You can find a variety of Return on Investment Calculators online. Even though some of them work differently, here’s how to calculate ROI through a standard Return on Investment Calculator

  • Step 1: Enter Personal Details
  • Most Return on Investment calculators require the user to enter their personal details before getting started. The personal details can include name, phone number, and age.
  • Step 2: Enter Amount Invested and Return
  • The second step is to enter the amount invested and the return received. The amount invested can be a one-time cost if the investment is in a lump sum. However, if you have invested regularly, then the total money you have invested in a year can be considered.

    Another important piece of information to enter is the amount a particular investment gave you
  • Step 3: Add Investment Period
  • The investment period is one factor most investors undermine. However, a Return of Investment calculator takes it into account to indicate if an investment scheme or option is worth investing in. That said, the last piece of information you have to enter is the investment duration.

    Based on this information, a Return on Investment Calculator calculates the return on investment.

    Things to Know Before Using a Return on Investment Calculator

    Now that you know how to calculate ROI, let’s dive into a few points you must know before you use a Return on Investment Calculator.

    Return_On_Investment_Calculator-4.png

    1. The Essence of Time

    If you are calculating Return on Investment manually; that is to say through a formula, you are not taking into account the duration of the investment. In other words, an investment option that gives you a 50% rate on investment in 10 years is not better than another investment option, giving you a 30% return in 3 years.

    Thankfully, most Return on Investment calculators in India now take into account investment tenure while calculating Return on Investment.

    2. Risk Tolerance is an Important Factor

    An investment scheme can generate a high return on investment. However, there are other factors such as risk appetite that are of equal significance. That is to say, not all investment options that yield higher returns are totally risk-free. They have moderate to higher risk, which can affect the returns from time to time.

    Ergo, whenever you are using a Return on Investment calculator, take your risk appetite into account. Don’t invest in high-risk investment schemes if you have a lot on the line

    3. Be Mindful of Miscalculations

    Return on Investment can be used to measure returns for any type of investment. However, the only variation in investments that must be factored in is how costs and profits are accounted for. For instance, most investors, when they are using Return on Investment for stocks, don’t take into account dividend payouts and transaction costs. Transaction cost is the money you invested, while dividend payouts are what you gained from your investment. If this is not done, then the ROI would be misrepresented, or miscalculated.

    Frequently Asked Questions

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    Annualized return measures the performance of an investment option in a year, while absolute return measures the performance from the day of the commencement of investment. Most Return on Investment calculators in India calculate absolute returns. However, absolute return doesn’t provide an accurate figure if the investment is held for more than a year. The annualized return helps you compare investment returns across different holding periods. Nevertheless, you can calculate annualized returns by dividing the figure by the number of years.

    A Return on Investment calculator can make your work easier by calculating Return on Investment for you in a matter of steps. You just need to enter basic information such as amount invested, amount returned and investment tenure. A return on investment can help you evaluate the profitability of an investment scheme or investment to take sagacious investment decisions.

    There are a lot of factors that can influence return on investment. One of the most significant factors is the rate of interest. Some investment plans have a highly fluctuating rate of interest that can affect the returns on investments. Other than that, factors such as a change in demand, government policies, costs are some factors that can affect the return on investment.

    Doesn’t matter if you are looking to expand your investment portfolio, or are a business, return on investment is a KPI (key performance indicator) used to measure the profitability of your investment or business. As a business, you can use it to modify your strategies; as an investor, you can use it to grow your investment by choosing the right investment plans for you.

    When the question is how to calculate return on investment, there are two ways. The first method is manual, which uses a formula, and the second method is a Return on Investment calculator. It is recommended that you use an ROI calculator as it is easy to use, has zero possibility of errors. However, most importantly, manual calculation of Return on Investment doesn’t take investment duration into consideration, although most Return on Investment calculators do.

    ARN:PCP/ROIC/090822

    11The assumed rate of return (4% p.a. and 8% p.a.) shown in the illustrative example are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your policy depends on a number of factors including future investment performance | The amount shown is for 30-year-old healthy male, 15 years premium payment term, 30 years policy term with Max Life Online Saving Plan (Unit Linked Non Participating Individual Life Insurance Plan | Life Insurance is available in this product)

    Sources:

    www.investopedia.com/articles/basics/10/guide-to-calculating-roi.asp
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      Max Life Online Savings Plan is a Unit Linked Non Participating Individual Life Insurance Plan (UIN104L098V05)

      *#Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your Insurer carrying on life insurance business. The assumed rates of return (4% p.a. and 8% p.a.) shown in the illustrative example are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your Policy depends on a number of factors including future investment performance. The guaranteed and non-guaranteed benefits are applicable only if all due premiums are paid.The Maturity Benefit shown in the illustrative example are inclusive/exclusive of taxes.

      ^*Disclaimer: Applicable for Titanium variant of Max Life Smart Fixed-return Digital (Premium payment of 5 years, Policy term of 10 years) and a healthy female of 18 years old paying Rs.3,60,000/- annually (exclusive of all applicable taxes)

       

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      ^^On completion of policy term

      The savings indicated is the maximum premium difference as compared with offline plan & depends on the variant purchased.

      ^*All claims that qualify for InstaClaim™ will be paid within 1 working day from date of submission of all mandatory documents else Max Life will pay interest at Bank Rate as on beginning of financial year in which claim has been received (4.65 % p.a. for FY’20) for every day of delay beyond one working day. Interest shall be at the bank rate that is prevalent at beginning of the financial year in which death claim has been received.

      Claims for policies completed 3 continuous years. All mandatory documents should be submitted before 3:00pm on a working day.Claim amount on all eligible policies4 is less than Rs. 1 Crore. Claim does not warrant any field verification.Mandatory Documents :> Original policy document > Original/attested copy of death certificate issued by local municipal authority > Death claim application form (Form A) > NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook along with nominees photo identity proof > Discharge/Death summary attested by hospital authorities or FIR & Post Mortem Report/viscera report (in case of accidental death)

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      5Criteria applicable only for “Term plans” for Graduate, Indian resident with declared income >= 10 lacs with CIBIL score >= 650 (salaried) and >= 700 (self-employed) with no disclosed medical condition

      4InstaClaim TM is available for all versions of (UIN:104N118V05). Mandatory Documents : • Original policy document • Original/attested copy of death certificate issued by local municipal authority • Death claim application form (Form A) • NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook along with nominees photo identity proof • Discharge/Death summary attested by hospital authorities or FIR & Post Mortem Report/viscera report (in case of accidental death)

      ##

      Tax conditions :

      Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime ~# Save 54,600 on taxes if the insurance premium amount is Rs.1.5 lakh per annum for life cover and 25,000 for critical illness cover and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime.

      3The discount is applicable if you are a salaried employee with a corporate. During policy issuance, Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

      CI Rider disclaimers:

      MAX LIFE CRITICAL ILLNESS AND DISABILITY RIDER (UIN- 104B033V01) available as a rider on payment of additional premium.

      >Extended cover of up to 85 years is available with gold and platinum variant only

      @ 64 critical illnesses covered in platinum and platinum plus variant on payment

      22 critical illnesses covered in gold and gold plus variant

      6 The life insurer is eligible for a discount on renewal premium under regular pay variant by accumulating Healthy Weeks as per terms and conditions of the rider

      *^Total premiums paid inclusive of any extra premium but exclusive of all applicable taxes, cesses or levies and modal extra. Return of premium option is available on payment of additional premium.

       ~ Conditions for premium break : Available at an additional premium for policies with policy term greater than 30 years and premium payment term greater than 21 years. Option to skip paying premium for 12 months. 2 premium breaks will be available during the premium payment term separated by an interval of at least 10 years

      ~1 Conditions for Special exit value:

      Option to receive all premiums paid back, at a specified point in the term of the policy (free of cost). Available when Return of Premium variant is not chosen. No additional premium to be paid.

      ~2 Voluntary Top-up Sum assured:

      Option to double your insurance cover, basis underwriting, at the time of your need by increasing your sum assured up to an additional 100% of base sum assured, chosen at inception

      ^^*^^Free look period conditions:

      The policyholder has a period of 30 days from the date of receipt of the policy document, to review the terms and conditions of the Policy, where if the policyholder disagrees to any of those terms or conditions, he / she has the option to return the Policy stating the reasons for his objections. The policyholder shall be entitled to a refund of the premiums paid, subject only to deduction of a proportionate risk premium for the period of cover and the expenses incurred by the company on medical examination of the lives insured and stamp duty charges.

      ^Individual Death Claims Paid Ratio as per IRDAI Annual Report FY 2021-2022

      8https://www.moneycontrol.com/news/business/economy/buy-term-insurance-now-as-rates-may-rise-from-april-1-4930921.html

      2Total premium will be charged at the time of the policy issuance (subject to underwriting’s decision).

      3The guaranteed benefits are available with selected life insurance plans & are applicable if all due premiums are paid

      4Tax benefits as per prevailing tax laws, subject to change

      Terms and conditions for availing 5% employee discount:

      <Due to system constraints, employee is requested to select 5 Lakh and above income which can be changed to actual amount on the information page.

      1 The 5% employee discount will be refunded to you once your policy is issued. Submit your documents for getting your policy issued and get 5% employee discount

      9

      The percentage savings is for a regular pay Max Life Smart Secure Plus Plan ( A Non Linked Non Participating Individual Pure Risk Premium Life Insurance Plan, UIN - 104N118V05)– Life Option for 1 cr life cover for a 35 year old, non-smoker male for a policy term of 40 years vs a 10 year policy term with the same details’

      ~*Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN:104N118V05)

      **Healthy non-smoking male, 24 years, 2 cr cover,25 years policy term,25 year premium payment term, exclusive pf GST for Max Life Smart Secure Plus Plan (UIN:104N118V05)

      ~~Healthy non-smoking male, 24 years, 1 cr cover,25 years policy term,25 year premium payment term, exclusive pf GST for Max Life Smart Secure Plus Plan (UIN:104N118V05)

      Max Life Smart Wealth Plan| A Non-Linked, Non-Participating, Individual Life Insurance Savings Plan| @Rs.9,68,800/- as lump sum at the end of 15 years, for 35 years old healthy male.

      ARN - ARN/Web/01/21042021

      Past performance of the investment funds do not indicate the future performance of the same. Investors in the Scheme are not being offered any guaranteed / assured returns.The premiums & funds are subject to certain charges related to the fund or to the premium paid.

      The premium shall be adjusted on the due date even if it has been received in advance.

      For Total Installment Premium -**Total Installment Premium is the Premium payable as per premium paying frequency chosen, it excludes GST and applicable taxes, cesses or levies, if any; and includes loadings for modal premiums, Underwriting Extra Premium and Rider Premiums if any.

      For Return of Premium -~The Return of Premium Option is available on payment of Additional Premium. Premium does not include amount paid for riders and is excluding taxes, cesses and levies. Upon Policyholder's selection of Return of Premium variant this product shall be a Non-Linked Non-Participating Individual Life Insurance Savings Plan.

      For Riders -#Applicable Rider available on the payment of Additional Premium is Max Life Critical Illness and Disability Rider | Non-Linked Non-Participating Individual Pure Risk Premium Health Insurance Rider |UIN: 104B033V01 . Critical Illness and Disability Rider variant opted is Platinum Plus which covers 64 critical Illnesses. The rider cover will only be paid in scenarios where customer is diagnosed with listed 64 critical illnesses or total and permanent disability. Rider will terminate after major critical illness claim is paid to the policyholder. In case customer requests for cancellation of rider only, the solution as a whole will be cancelled and not just the individual rider.

      For Additional Benefits -##On Payment of Additional Premium. The accident cover will only be paid in scenarios where death occurs due to accident.

      *~Disclaimer | Max Life Smart Secure Plus Plan. A non-linked non-participating individual pure risk premium life insurance plan |Benefit available with special exit value -Total premium paid inclusive of any extra premium but exclusive of all applicable taxes, cesses or levies & modal extra. The premium calculated as per Standard premium for 30 year old healthy male, non-smoker, 40 years policy term, 40 years premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan.

      6

      Applicable for Titanium variant of Max Life Smart Fixed-return Digital plan (Premium payment of 5 years and Policy term of 10 years) and a healthy male of 18 years paying Rs. 20,000/- per month (exclusive of all applicable taxes) with 7.50% return. Life Insurance is available with this product.

      ##

      Policy continuance benefit is not available with lifelong wealth variant. **The accrued income will be accumulated on an annual basis at the prevailing reverse repo rate (publish on RBI’s website).

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      With “Save the date”, you can choose to take your annual income to any special date in a year.

      ***Available with early wealth variant. Income benefit will be paid as per selected plan terms.

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      Accidental death benefit is available in call variants except for Single premium variant. Life insurance coverage is available in this product.

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      Term Insurance plan bought online directly from Max Life Insurance has no commissions involved.

      ~1

      Max Life Smart Secure Plus Plan, A non-linked non-participating Individual Pure Risk Premium Life Insurance Plan| Standard Premium for 30 year old healthy male, non-smoker, 40 years policy term, 40 year premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan| ~1 Conditions for special exit value: Option to receive all premiums paid back, at a specified point in the term of the policy (free of cost). Available when Return of premium variant is not chosen. No additional premium to be paid. Option to receive all premiums back (exclusive of GST). Flexibility of exiting the plan early. Special Exit Value cover applicable till age 68 & above (of your age). T&C Apply.

      6

      Applicable for Titanium variant of Max Life Smart Fixed-return Digital plan (Premium payment of 5 years and Policy term of 10 years) and a healthy male of 18 years paying Rs. 20,000/- per month (exclusive of all applicable taxes) with 7.50% return. Life Insurance is available with this product.

      **

      Max Life Critical illness and Disability (UIN- 104B033V01) available as a rider on payment of additional premium. 64 critical illnesses covered in platinum and platinum plus variant on payment.

      *

      Available on Payment of Additional Premium. The accident cover will only be paid in scenarios where death occurs due to accident.

      7

      Available with Max Life Smart Wealth Plan (UIN: 104N116V08)

      8

      Available with Max Life Smart Fixed-return Digital Plan (UIN:104N123V03). The guaranteed benefits are available with selected life insurance plans & are applicable if all due premiums are paid.

      **Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN:104N118V05) with a life cover of Rs. 50 lakh.

      **Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN:104N118V05) with a life cover of Rs. 75 lakh.

      **Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN:104N118V05) with a life cover of Rs. 1.5 Cr.

      **Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN:104N118V05) with a life cover of Rs. 2 Cr.

      **Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN:104N118V05) with a life cover of Rs. 5 Cr.

      **Our Life insurance policies cover COVID-19 life claims under life insurance claims, are subject to applicable terms and conditions of the policy contract and extant regulatory framework.