ULIP Taxation Guide + Calculator
Understand Tax • Save More • Invest Smart
Hindi: ULIP में सही planning से आप पूरी तरह tax-free wealth बना सकते हैं।
📊 What is ULIP Taxation?
ULIP (Unit Linked Insurance Plan) में taxation 3 parts में होता है:
- ✔ Premium Tax Benefit (80C)
- ✔ Maturity Tax (10(10D))
- ✔ High Premium Rule (₹2.5 lakh)
🧾 Key Tax Rules
✔ Premium ≤ 10% of Sum Assured → Tax-Free
✔ Annual Premium ≤ ₹2.5 lakh → Tax-Free Maturity
✔ Above ₹2.5 lakh → 10% LTCG Tax
✔ Death Benefit → 100% Tax-Free
🧮 ULIP Tax Calculator
📈 Result Explanation
✔ If premium ≤ ₹2.5L → Full Tax-Free
✔ If premium > ₹2.5L → LTCG Tax Apply
✔ Long-term ULIP gives better tax efficiency