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How to Track the Performance of Your ULIP Over Time?

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If you have invested in a ULIP scheme (or are planning to do so), you might have had a few nagging concerns! They could be, “What’s my risk appetite?” or “How do I track my ULIP over time?” Getting the answers to these questions will ease your curiosity and put your mind at rest before taking action.

Remember that childhood lesson you learned – “Look before you leap.” It wasn’t just for fun; it’s good advice to avoid confusion and surprises later! To save yourself from the discomfort of an unclear ULIP scheme, you need to know how to track and manage it to avoid any mess.

This post will help you do just that – guide you through the steps of tracking and managing your ULIP efficiently so that you can leap with confidence!

What to Keep in Mind Before Selecting a ULIP Scheme?

You must keep some important factors in mind before you choose the right ULIP scheme:

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Consideration

Details

1. Understand Your Financial Goals Define your financial goal (retirement, children’s education, wealth accumulation) to select the right investment strategy and life cover.
2. Choose the Right Fund Equity Funds: Higher growth potential but higher risk.     
Debt Funds: Safer, stable returns, ideal for conservative investors.     
Choose based on your risk appetite and goal.
3. Select Life Insurance Coverage Choose a life cover that’s sufficient to meet your family’s financial needs in case of unforeseen events.
4. Lock-in Period ULIPs have a 5-year lock-in period. Stay invested for longer to benefit from compounding returns. Surrendering early may lead to penalties.
5. Stay Updated on Market Trends Regularly monitor market trends to adjust your investment strategy and optimise returns by reallocating funds as needed.
6. Be Aware of Charges

Understand the charges involved:

  1. Mortality/Morbidity Charges
  2. Policy Administration Charges
  3. Fund Management Charges
  4. Premium Allocation Charges
7. Choose a Suitable Payment Option
  1. Single Premium: One-time payment.
  2. Limited Premium: Limited number of years.
  3. Regular Premium: Ongoing payments. Choose based on your financial situation.
8. Fund Switching Flexibility ULIPs allow you to switch funds (equity, debt, hybrid) to optimise returns. Understand the cost of switching and free switches, and calculate fund performance before switching.

Know How to Track Your ULIP Over Time

Let’s now learn the simple methods of tracking the performance of your ULIP. This way, you stay on the same page regarding your investment and plan your financial goals accordingly. Here below are the key steps you need to keep practising:

1.  Calculate the Net Asset Value (NAV)                
The first thing is to calculate ULIP’s NAV and compare it with the initial NAV. This will give you an idea of the absolute return value of your investment.

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2.  Use an ULIP Calculator                
A trustworthy online ULIP calculator can help you to track your policy’s performance easily. You need to enter your premiums and the duration for which they are paid, along with some other details.

3.  Monitor Periodic Statements                
Mostly, the insurance companies provide regular statements that have the details of your ULIP’s fund value, NAV, etc. You need to thoroughly review them in order to remain updated on how your investment plan is performing.

4.  Evaluate Fund Performance                
Closely assess the performance of the specific funds in which your ULIP usually invests. Examining their past growth and risk variables throughout different periods in time is worthwhile.

5.  Compare with Benchmark Indices                
Benchmark indices like NIFTY or Sensex are useful for you to compare with your ULIP’s returns. This enables you to assess the performance of your funds in relation to market trends.

6.  Understand the Charges                
ULIPs carry a number of costs, including policy administration, fund management, and premium allocation. Identify these deductions and what effect they have on your entire returns.

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7.  Track via Online Portals                
Numerous insurance providers provide online portals with up-to-date information on the performance of your ULIP. You may access fund valuations, transaction histories, and other crucial information through their websites.

8.  Seek Expert Advice                
In case you have any trouble evaluating the success of your ULIP, you can speak with insurance agents or financial specialists. They can provide insightful information on fund selection, market movements, and modifying your plan in accordance with your objectives.

9.  Reassess Your Goals Periodically                
Review your risk tolerance and financial objectives on a regular basis. In the context of such things, you might wish to change funds or modify the amount of your premium so it fits your changing goals.

Summing Up

So, now you’re all set with the know-how of choosing the right ULIP scheme and tracking its performance. Take the right approach to be able to leap with confidence and watch your investment’s impressive growth. Invest in peace!

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FAQs on ULIP Scheme Tracking

1.  How to check ULIP return?                
You can check the ULIP return by doing calculations based on the Net Asset Value of the fund. The Net Asset Value is easily calculated by dividing the total number of units held by investors by the value of the fund’s assets, removing its liabilities.

2.  Is ULIP better than FD?                
Indeed, ULIPs offer better investment opportunities than FDs. They offer you life insurance and guarantee the security of your funds. Also, they provide you with the opportunity to profit from investments. They are among the top spots to invest in because of their adaptable nature.

3.  What is a ULIP calculator?                
An insurance seeker can use this customised online tool (ULIP calculator) to compare various ULIPs. It helps them determine the maturity amount based on the amount they spend over a selected time period.

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Netflix India names Rekha Rane director of films and series marketing

Streaming giant bets on a seasoned marketer who helped build Amazon and Netflix into household names

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MUMBAI: Netflix has put a proven brand builder at the helm of its films and series marketing in India, naming Rekha Rane as director in a move that signals sharper focus on audience growth and cultural cut-through in one of its most hotly contested markets.

Rane steps into the role after seven years at Netflix, where she has quietly shaped how the platform sells stories to India. Her latest promotion, effective February 2026, crowns a run that spans brand, slate and product marketing across originals, licensed content and new verticals such as games.

A strategic marketing and communications professional with roughly 15 years’ experience, Rane has spent much of her career building technology-led consumer businesses and new categories, notably e-commerce and subscription video on demand. She was part of the early push that introduced Amazon.in, Prime Video and Netflix to Indian homes, then helped turn them into everyday brands.

At Netflix, she most recently served as head of brand and slate marketing for India from March 2024 to February 2026, leading teams across media and marketing for global and local content portfolios. Before that, as manager for original films and series marketing, she led IP creation and go-to-market strategy for titles including Guns and Gulaabs, Kaala Paani, The Railway Men* and The Great Indian Kapil Show, spanning both binge and weekly-release formats.

Her earlier Netflix roles covered product discovery and promotion in India and integrated campaign strategy to drive conversations around the content slate, product awareness and brand-equity metrics.

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Before Netflix, Rane logged more than three years at Amazon in brand marketing roles in Bengaluru. There she handled national and regional campaigns for Amazon.in, worked on customer assistance programmes in growth geographies and contributed to the go-to-market strategy for the launch of Prime Video India.

Her career began well away from streaming. At Reliance Brands in Mumbai, she worked on retail marketing for Diesel and Superdry. A stint at Leo Burnett saw her work on primary research for P&G Tide, mapping Indian shoppers’ paths to purchase. Earlier still, at Orange in the United Kingdom, she rose from sales assistant to store manager, running a team and owning monthly P&L for a retail outlet.

The arc is telling. As global streamers fight for attention in a crowded Indian market, executives who understand both mass retail behaviour and digital habit-building are prized. Rane’s career sits at that intersection.

For Netflix, the bet is simple: in a market spoilt for choice, sharp marketing can still tilt the screen. And with Rane now leading the charge, the streamer is signalling it wants not just viewers, but fandom.

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Orient Beverages pops the fizz with steady Q3 gains and rising profits

Kolkata-based beverage maker reports stronger revenues and profits for December quarter.

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MUMBAI: A fizzy quarter with a steady aftertaste that’s how Orient Beverages Limited, the company that manufactures and distributes packaged drinking water under the brand name Bisleri closed the December 2025 period, as the Kolkata-based drinks maker reported improved revenues and a healthy rise in profits, signalling operational stability in a competitive beverage market.

For the quarter ended December 31, 2025, Orient Beverages posted standalone revenue from operations of Rs 39.98 crore, up from Rs 36.42 crore in the previous quarter and Rs 33.53 crore in the same quarter last year. Total income for the quarter stood at Rs 42.24 crore, reflecting consistent demand and stable pricing across its beverage portfolio.

Profit before tax for the quarter came in at Rs 3.47 crore, a sharp improvement from Rs 1.31 crore in the September quarter and Rs 0.39 crore a year ago. After accounting for tax expenses of Rs 0.79 crore, the company reported a net profit of Rs 2.68 crore, nearly three times the Rs 0.99 crore recorded in the preceding quarter.

On a nine-month basis, the momentum remained intact. Revenue from operations for the period ended December 31, 2025 rose to Rs 117.66 crore, compared with Rs 106.95 crore in the corresponding period last year. Net profit for the nine months climbed to Rs 5.51 crore, more than double the Rs 2.18 crore reported in the same period of the previous financial year.

The consolidated numbers told a similar story. For the December quarter, consolidated revenue from operations stood at Rs 45.06 crore, while profit after tax came in at Rs 2.06 crore. For the nine-month period, consolidated revenue touched Rs 133.57 crore, with net profit of Rs 4.49 crore, underscoring the group’s improving profitability trajectory.

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Operating expenses remained largely controlled, with cost of materials, employee benefits and other expenses broadly aligned with revenue growth. The company continued to operate within a single reportable segment beverages simplifying its cost structure and reporting framework.

The unaudited financial results were reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on 7 February 2026. Statutory auditors carried out a limited review and reported no material misstatements in the results.

In a market where margins are often squeezed by input costs and competition, Orient Beverages’ latest numbers suggest the company has found a reliable rhythm not explosive, but steady enough to keep the fizz alive.

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Washington Post CEO exits abruptly after newsroom cuts spark backlash

Leadership change follows layoffs, protests and a bruising battle over trust.

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MUMBAI: When the presses are rolling but patience runs out, even the editor’s chair isn’t safe. The Washington Post announced on Saturday that its chief executive and publisher Will Lewis is stepping down with immediate effect, bringing a sudden end to a turbulent two-year tenure marked by financial strain, newsroom unrest and public backlash.

Lewis’s exit comes just days after the Bezos-owned newspaper announced sweeping job cuts that triggered protests outside its Washington headquarters and a wave of anger from readers and staff. While newspapers across the US are grappling with shrinking revenues and digital disruption, Lewis’s leadership had increasingly come under fire for how those pressures were handled.

The Post confirmed that Jeff D’Onofrio, a former Tumblr CEO who joined the organisation last year as chief financial officer, has taken over as CEO and publisher, effective immediately. In an email to staff, later shared by reporters on social media, Lewis said it was “the right time for me to step aside.”

The leadership change follows the announcement of large-scale redundancies earlier this week. While the Post did not officially confirm numbers, The New York Times reported that around 300 of the paper’s roughly 800 journalists were laid off. Entire teams were dismantled, including the Post’s Middle East bureau and its Kyiv-based correspondent covering the war in Ukraine.

Sports, graphics and local reporting were sharply reduced, and the paper’s daily podcast, Post Reports, was suspended. On Thursday, hundreds of journalists and supporters gathered outside the Post’s downtown office in protest, calling the cuts a blow to public-interest journalism.

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Former executive editor Marty Baron described the moment as “among the darkest days in the history of one of the world’s greatest news organisations.”

Lewis defended his record in his farewell note, saying “difficult decisions” were taken to secure the paper’s long-term future and protect its ability to publish “high-quality nonpartisan news”. But his tenure coincided with growing scrutiny of editorial independence at the Post.

Owner Jeff Bezos faced criticism for reining in the paper’s traditionally liberal editorial page and blocking an endorsement of Democratic presidential candidate Kamala Harris ahead of the 2024 US election. The move was widely seen as breaking the long-standing firewall between ownership and editorial decision-making.

According to a Wall Street Journal report, around 250,000 digital subscribers cancelled their subscriptions after the paper declined to endorse Harris. The Post reportedly lost about $100 million in 2024 as advertising and subscription revenues slid.

While the wider newspaper industry continues to battle declining print advertising and the pull of social media, some national titles have stabilised. Rivals such as The Wall Street Journal and The New York Times have managed to build sustainable digital businesses, a turnaround that has so far eluded the Post despite its billionaire backing.

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As Jeff D’Onofrio steps into the role, the challenge is stark, restore confidence inside the newsroom, win back readers who walked away, and prove that one of America’s most storied newspapers can still find its footing in a brutally competitive media landscape.

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