Pragati Funds

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Unit-Linked Insurance Plan

Build Wealth & Save Tax

with market-linked returns

Benefit from our top-performing FUNDS offering significant growth and tax savings. See how we outperform key benchmarks.

BSE 200

Achieve robust growth
with a 20.6% return.

Pragati Funds

Excel further with a remarkable 22.25% return over three years.

Benefit from our top-performing funds offering significant growth and tax savings. See how we outperform key benchmarks.

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Consult an Advisor

Gain More with
Pragati Funds Benefits

Earn market-linked returns

Invest in our diverse portfolio of 22 equity, balanced, and debt funds.

Tax benefits on returns
received u/s 10(10D)

Enjoy tax benefits on your investments under Section 10(10D).

Get tax benefits on
premiums paid u/s 80C

Premiums are tax-deductible up to
Rs 1.5 lakh under Section 80C.

Get tax benefits on
premiums paid u/s 80C

Premiums are tax-deductible up to Rs 1.5 lakh under Section 80C.

Free withdrawals as
per your needs

Make unlimited tax-free withdrawals anytime without cost.

Return of charges
on maturity

No premium allocation or policy charges at plan maturity.

Extra Wealth boosters
so you earn more

Earn extra 3.25% on your fund value with our wealth boosters by staying invested.

Unlimited free switches
between funds

Switch between funds any time for free, ensuring flexibility across market conditions.

Let’s Calculate Returns

Recommended For

  • Regular Investor
  • Retirement Plans
  • Child Education
  • Existing Customer
  • Equity Investor
  • Tax Saver

Regular Investor

People in the market looking for a financial instrument that helps them grow and save their money regularly and want to take advantage of a low charge plan with the flexibility of investment and withdrawal.

8%
4%

Pay &nbsp&nbsp&nbsp&nbsp₹5000 p.m. for 20 years

Get&nbsp&nbsp&nbsp&nbsp₹24.88 Lakh1’

ARR*

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Pay &nbsp&nbsp&nbsp&nbsp₹5000 p.m. for 20 years

Get&nbsp&nbsp&nbsp&nbsp₹16.22 Lakh1

ARR*

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Retirement Plans

People looking to build a corpus for their retirement can invest in this plan to enjoy tax-free* market-linked returns.

8%
4%

Pay &nbsp&nbsp&nbsp&nbsp₹15000 p.m. for 25 years

Get&nbsp&nbsp&nbsp&nbsp₹1.16 Crore2’

ARR*

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Pay &nbsp&nbsp&nbsp&nbsp₹15000 p.m. for 25 years

Get&nbsp&nbsp&nbsp&nbsp₹66.42 Lakh2

ARR*

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Child Education

Parents looking to build a corpus for their child’s higher education will benefit from market-linked returns. The Systematic Withdrawal Plan allows withdrawal from your fund at your child’s important milestones.

8%
4%

Pay &nbsp&nbsp&nbsp&nbsp₹10000 p.m. for 10 years

Get&nbsp&nbsp&nbsp&nbsp₹30.76 Lakh3’

ARR*

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Pay &nbsp&nbsp&nbsp&nbsp₹10000 p.m. for 10 years

Get&nbsp&nbsp&nbsp&nbsp₹22.53 Lakh3’

ARR*

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Existing Customer

Existing ICICI Prudential customers wishing to take advantage of financial markets can buy this plan easily from home.

8%
4%

Pay &nbsp&nbsp&nbsp&nbsp₹10000 p.m. for 10 years

Get&nbsp&nbsp&nbsp&nbsp₹23.55 Lakh4’

ARR*

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Pay &nbsp&nbsp&nbsp&nbsp₹10000 p.m. for 10 years

Get&nbsp&nbsp&nbsp&nbsp₹15.99 Lakh4’

ARR*

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Equity Investor

People who wish to take advantage of market-linked returns at relatively lower risk can choose from multiple equity, balanced and debt fund options with unlimited free switches.

8%
4%

Pay &nbsp&nbsp&nbsp&nbsp₹7000 p.m. for 15 years

Get&nbsp&nbsp&nbsp&nbsp₹21.49 Lakh5’

ARR*

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Pay &nbsp&nbsp&nbsp&nbsp₹7000 p.m. for 15 years

Get&nbsp&nbsp&nbsp&nbsp₹15.75 Lakh5’

ARR*

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Invest Now

Tax Saver

Signature comes with tax* benefits. You can get tax* benefits on premiums paid subject to conditions u/s 80C* and on returns received subject to conditions u/s 10(10D)*

8%
4%

Pay &nbsp&nbsp&nbsp&nbsp₹5000 p.m. for 20 years

Get&nbsp&nbsp&nbsp&nbsp₹24.90 Lakh6’

ARR*

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Pay &nbsp&nbsp&nbsp&nbsp₹5000 p.m. for 20 years

Get&nbsp&nbsp&nbsp&nbsp₹16.23 Lakh6’’

ARR*

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Invest Now

What is Pragati Pru Signature Funds?

Pragati Pru Signature is a Unit Linked Insurance Plan (ULIP) that helps you save systematically and build wealth with tax* benefits on market-linked returns received through the policy, while also securing the future of your loved ones with a life cover.

Wealth Booster
    Wealth Booster

    Get rewarded with Wealth Boosters at regular intervals at 3.25% of your fund value by just staying invested in the plan.

    Tax Benefits
      Tax Benefits

      Get tax* benefits on premiums paid subject to conditions u/s 80C* and on returns received subject to conditions u/s 10(10D)*

      Return of Charges
        Return of Charges

        No premium allocation charges when buying online. Return of Mortality Charges and policy administration charges at maturity.

        Wealth Booster
          Wealth Booster

          Get rewarded with Wealth Boosters at regular intervals at 3.25% of your fund value by just staying invested in the plan.

          Tax Benefits
            Tax Benefits

            Get tax* benefits on premiums paid subject to conditions u/s 80C* and on returns received subject to conditions u/s 10(10D)*

            Return of Charges
              Return of Charges

              No premium allocation charges when buying online. Return of Mortality Charges and policy administration charges at maturity.

              How to maximize your ULIP returns?

              Step 1

              Start Investing
              Early in Life.

              Step 2

              Pay your
              Premiums Regularly.

              Step 3

              Right Asset Allocation
              is the key.

              Step 4

              Make fund switches to
              safeguard your gains.

              Step 5

              Keep a younger person
              as the Life Assured.

              Buy Online in 3 Simple Steps

              Choose Premium
              Amount

              Select your
              choice of funds

              Fill Application form
              & Make Payment

              Policy Issued

              Frequently Asked
              Questions

              More Questions? Reach Out

              Pragati Prudential offers a diverse range of funds, including equity, balanced, and debt funds, catering to different investment goals and risk tolerances.

              Key Terminologies

              • Sum Assured
              • Net Asset Value
              • Fund Value
              • Premium
              • Death Benefit
              • Riders
              • Lock-in Period
              • Switching Option
              • ULIP Returns
              • Top-ups
              • ULIP Charges
              • Maturity Benefit
              Sum Assured
               
              The nominee of the policy is liable to receive a fixed amount in case of the demise of the policy holder during the policy term. This amount is called the Sum Assured. When purchasing a ULIP, you must ensure that the Sum Assured you opt for is sufficient for your dependents to continue with their lives in case something happens to you.
              Net Asset Value
               
              In a ULIP, Net Asset Value (NAV) means the value of a single unit of your investment. An investment fund, which is a pool of investments from multiple investors (minus any liabilities), is divided by the number of outstanding units. The NAV of a fund is therefore the price of a single unit.
              Fund Value
               
              The premiums you pay in a ULIP are invested in funds, which grow over time. The fund value indicates the total value of the your fund on the current date. This is calculated by multiplying the number of units you own by the Net Asset Value (NAV) or the monetary value of each unit.
              Premium
               
              Premiums are the payments you make towards your plan. As an investor, you can pay premiums monthly, quarterly, half-yearly, or annually as per the mode selected by you while investing. Failure to pay the premiums on time may lead to the lapse of the ULIP Policy.
              Death Benefit
               
              The death benefit is the total amount payable to the nominee by the insurance company on the policyholder’s unfortunate demise. It can either be the sum assured or the fund value, whichever is higher. What your beneficiary gets would depend on the plan you opt for. The nominees can obtain the death benefit either as a lump-sum or in monthly instalments.
              Riders
               
              Riders or add-ons are the additional benefits provided by insurance companies, which enhance the value of the coverage. Typically, the most common riders offered are critical illness rider, waiver of premium rider, accidental cover, and so forth. However, these riders vary depending upon the company.
              Lock-in Period
               
              Lock-in period is a stipulated time till which you cannot withdraw your investments. In case of ULIP, if a policyholder surrenders the policy before the completion of the lock-in period, the fund value is shifted to a discontinuation fund. The policyholder can withdraw the amount once the lock-in period is over. A ULIP has a lock-in period of 5 years.
              Switching Option
               
              A ULIP plan allows an individual to invest in multiple fund options at the same time. However, the policyholders also have the freedom to switch between these ULIP funds. The number of switches allowed depends on the company’s policies. ICICI Pru’s Signature plan allows unlimited free switches5 between funds.
              ULIP Returns
               
              The returns of a ULIP policy depend upon the performance of the market as well as your fund selection. One needs to stay invested for long term to be able to maximise their returns.
              Top-ups
               
              As the name suggests, the top-up premium is an additional amount paid over base premium. If a ULIP policyholder wants to increase the amount of his/her investment in funds, he/she can do so through top-ups.
              ULIP Charges
               
              Insurance companies levy certain charges on a ULIP. Under a ULIP, a few of the levied charges are as follows:

              1. Policy administration
              2. charge
              3. Fund management charge
              4. Mortality charge
              5. Premium allocation charge
              Maturity Benefit
               
              Maturity benefit is offered to the policyholder when the policy tenure gets over. You can avail tax-free* maturity amount as per Section 10 (10D) of the Income Tax Act 1961, subject to the provisions stated therein.
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