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Investor Guide and HLV Calculator

Get a persona-based investor starting point, or estimate an indicative life-cover requirement. For SIP, lumpsum, EMI, retirement, PPF, EPF and every other calculator, visit our full calculator library.

Investor-safety information

For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.

Mutual fund risk note

Expected return is only an assumption. Actual mutual fund returns depend on market performance, scheme costs, taxes and holding period.

Official references
SEBI Investor CharterSEBI Investor EducationSEBI Investor Helpline

Human Life Value Calculator

Estimate an indicative life-insurance requirement from income support and liabilities.

Annual incomeRs. 12,00,000
Annual personal expensesRs. 5,00,000
Years of income support25 years
Outstanding liabilitiesRs. 20,00,000
Calculation basis
  • Uses a simplified income-replacement approach plus declared liabilities.
  • Does not account for every asset, dependant need, inflation or existing insurance policy.
  • Use this only as a starting estimate and review protection needs professionally.
Annual family contribution
Rs. 7,00,000
Outstanding liabilities
Rs. 20,00,000
Indicative life cover
Rs. 1,95,00,000

For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.

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Calculator snapshot: HLV: income Rs. 12,00,000, personal expenses Rs. 5,00,000, support 25 years, liabilities Rs. 20,00,000.

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Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme-related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performance of any Mutual Fund Scheme may or may not be sustained in the future. There is no guarantee that the investment objective of any suggested scheme will be achieved. All existing and prospective investors are advised to check and evaluate the exit loads and other cost structure (TER) applicable at the time of making an investment before finalizing any investment decision for Mutual Fund Schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a trailing commission on client investments. Disclosure of commission earnings is made to clients at the time of investment. The option of a Direct Plan for every Mutual Fund Scheme is available to investors and offers the advantage of a lower expense ratio. We are not entitled to earn any commission on Direct Plans; hence, we do not deal in Direct Plans.