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Continue the policy, or surrender it?

Compare the returns of continuing your endowment policy against surrendering it and investing in mutual funds.

Policy details

All amounts in ₹ (INR)

%

Both scenarios assume the same yearly cash outflow. The surrender path also invests today's surrender value at the start.

Illustrative only. Based on IRDAI-style default surrender value factors and the stated assumptions. Verify with your policy document before making a decision.

Recommendation

Surrender value

Special Surrender Value (SSV)
Guaranteed Surrender Value (GSV)
Payout if surrendered

Continue vs surrender IRR

Continue the policy
Maturity value
Surrender & invest in MFs
MF corpus at maturity

MF portfolio growth vs policy maturity

Year-by-year cashflow

From policy start through maturity

Year Policy yr Continue CF MF balance