Benchmark: average large-cap equity fund, 12% a year nominal (India, 10–20-yr category averages) · default inflation 6.5% — the 30-year India average.

SIP calculator

Endowment policies promise a big payout after decades of premiums. Inflation quietly eats most of the gain — many return just 1–2% a year in real terms. Put your policy’s real return beside an average large-cap mutual fund and see the gap for yourself.

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Yearly premium × What you pay the insurer every year Years paying

20

How long you keep paying the premium Payout amount × The one-time maturity amount the policy promises Expected inflation, % a year

6.5

The highlighted tick is India’s 30-year average

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Enter your premium and payout to see the result