22 plans available — click any plan card to calculate premium & maturity

All LIC Plans — Quick Reference Table 2025

Complete list of all 22 active LIC plans with plan number, type, age eligibility, policy term and key features.

Why Use Our LIC Premium Calculator?

Instant Results

Get exact premium, maturity amount, year-wise bonus and XIRR in under 2 seconds. No form submissions or OTPs needed.

22 Plans Covered

From traditional endowment and money-back plans to term insurance, child plans, ULIPs and pension — all plans in one place.

GST Inclusive

Premiums shown include GST (4.5% first year, 2.25% renewal) so you know exactly how much to pay your LIC agent or online.

Year-wise Charts & Tables

See cumulative premium, bonus accumulation, surrender value and death benefit for every single year of the policy.

XIRR & Returns

Calculates the true effective annual return (XIRR/IRR) of each plan so you can compare LIC with FD, mutual funds and PPF.

Trusted Data

Premium rates sourced from published LIC tables and updated for 2025-26. Bonus rates based on most recently declared LIC bonuses.

How to Use the LIC Calculator — Step by Step

Select Your LIC Plan

Browse all 22 plans. Filter by type — Endowment, Money Back, Term, Whole Life, Child, Pension, or ULIP. Click any plan to proceed.

Enter Your Details

Enter your age, policy term, sum assured and preferred premium mode. Smart fields auto-adapt — smoker field for term plans, fund type for ULIPs.

View Full Results

Instantly see premium (all modes), maturity amount, bonus, XIRR, money multiplier, year-wise table, and interactive growth charts. Print or save as PDF.

LIC Plans Comparison — Bonus Rates & Returns 2025

Approximate Simple Reversionary Bonus (SRB) rates and indicative XIRR for key LIC participating plans for 2024-25.

Plan Name Plan No. Type Bonus Rate
₹/1000 SA/yr		 FAB
₹/1000 SA		 Indicative XIRR Best For
Jeevan Anand915Endowment₹48₹125~5.2–5.8%Lifelong death cover + maturity
New Endowment914Endowment₹45₹110~5.0–5.5%First-time buyers
Jeevan Labh936Ltd. Pay₹54₹165~5.5–6.2%High returns, limited pay
Jeevan Lakshya933Protection₹47₹105~5.0–5.6%Family income protection
New Money Back 20yr920Money Back₹42₹95~4.8–5.4%Liquidity every 5 years
New Money Back 25yr821Money Back₹40₹90~4.7–5.3%Long-term with periodic returns
Jeevan Umang945Whole Life₹55₹185~5.8–6.5%Annual income for life (8% SA)
Jeevan Utsav871Whole Life₹50₹150~5.5–6.0%10% SA annual income for life
Bima Jyoti860Non-Par₹50 GA—~4.5–5.0%Guaranteed, no market risk
Tech Term854Term——N/A (Protection)Maximum cover, minimum cost

* SRB = Simple Reversionary Bonus. FAB = Final Addition Bonus. GA = Guaranteed Addition. XIRR is indicative for a 30-year buyer with 20-year term and ₹5L SA. Actual bonus declared by LIC annually.

Frequently Asked Questions — LIC Premium Calculator

To calculate LIC premium online for free: Step 1 — Select your desired LIC plan from the 22 available plans above. Step 2 — Enter your age at entry, policy term, and sum assured. Step 3 — Choose your premium payment mode (monthly/quarterly/half-yearly/yearly) and gender. Step 4 — Click "Calculate & View Results" to instantly get your exact premium (including GST), maturity amount, year-wise bonus accumulation, surrender value, and XIRR return. No registration or personal information required.
Among LIC's participating plans in 2025, Jeevan Labh (Plan 936) typically gives the highest maturity amount relative to premium paid due to its limited premium-paying structure and high bonus rate (₹54/1000 SA/yr + Final Addition Bonus of ₹165/1000 SA). Jeevan Umang (Plan 945) is best for long-term wealth as it also pays 8% of SA annually as survival benefit after the premium term ends. For guaranteed returns without market risk, Bima Jyoti (Plan 860) offers predictable maturity. Use our calculator to compare the exact maturity amounts across all plans for your specific age and term.
For LIC Jeevan Anand (Plan 915), maturity amount = Sum Assured + Simple Reversionary Bonus + Final Addition Bonus. For example, a 30-year-old with ₹5,00,000 SA and 20-year term would receive approximately ₹11–12 lakh at maturity, depending on annual bonus declarations. The monthly premium would be approximately ₹2,200–2,500 (incl. GST). Uniquely, the death cover of ₹5,00,000 continues even after maturity for lifetime. Use our Jeevan Anand calculator above for exact figures based on your age and sum assured.
LIC Tech Term (Plan 854) is LIC's cheapest online pure term plan. For ₹1 crore sum assured, approximate annual premiums (30-year term, non-smoker male) are: Age 25 → ₹7,500/yr | Age 30 → ₹9,300/yr | Age 35 → ₹12,800/yr | Age 40 → ₹18,000/yr. Premium for females is lower. Smokers pay approximately 25% more. There is no maturity benefit — it is pure protection only. The plan is available only online directly through LIC's website. Use the Tech Term tab in our calculator above for your exact premium.
Yes, GST is applicable on LIC premiums. The rates are: First-year premium — 4.5% GST. Renewal premiums (Year 2 onwards) — 2.25% GST. For pure term plans (Tech Term, Jeevan Amar, Saral Jeevan Bima) — 18% GST on the full premium. For ULIPs — 18% GST applies on mortality charges only. Our LIC premium calculator automatically includes GST in all displayed premium amounts so the figure shown is your actual payable amount.
Jeevan Anand (915) is a regular-pay endowment plan — you pay premiums every year throughout the policy term and receive SA + bonus at maturity. Death cover continues lifelong (whole life protection even post-maturity). Jeevan Labh (936) is a limited-pay endowment plan — you pay for fewer years (10, 15 or 16 years) but coverage lasts for 16, 21 or 25 years. Jeevan Labh typically has a higher bonus rate and better XIRR due to the limited-pay advantage. Choose Jeevan Anand for lifelong death cover; choose Jeevan Labh if you want to pay for a shorter time but accumulate a larger corpus.
LIC's Simple Reversionary Bonus (SRB) rates for 2024-25 are approximately: Jeevan Anand — ₹48/1000 SA/yr | Jeevan Labh — ₹54/1000 SA/yr | New Endowment — ₹45/1000 SA/yr | Jeevan Lakshya — ₹47/1000 SA/yr | Jeevan Umang — ₹55/1000 SA/yr | New Money Back 20yr — ₹42/1000 SA/yr | Jeevan Utsav — ₹50/1000 SA/yr. Additionally, LIC declares a Final Addition Bonus (FAB) at the time of maturity or claim. Bonus rates are subject to change annually based on LIC's fund performance and are not guaranteed.
A LIC policy acquires surrender value after 3 consecutive years of premium payment (or 2 years for single premium policies). The Guaranteed Surrender Value (GSV) is typically 30% of total premiums paid (excluding first-year premium and rider premiums) for the 3rd year. This percentage increases gradually up to 90% as the policy nears maturity. The Special Surrender Value (SSV) is usually higher and is calculated based on paid-up value plus vested bonuses. Always check both GSV and SSV and take whichever is higher. Our year-wise table shows estimated surrender value for each year of your policy.
For monthly pension income: New Jeevan Shanti (Plan 858) — Single premium immediate annuity plan. Pay once, receive pension immediately for life. Best for those near retirement with a lump sum to invest. Jeevan Dhara II (Plan 872) — Deferred annuity. Pay regular premiums during working years, receive pension at retirement age. Jeevan Umang (Plan 945) — Whole life plan that pays 8% of Sum Assured annually as survival benefit after the premium paying term ends — excellent for regular passive income. Use our calculator to simulate how much monthly pension each plan would give for your investment amount.
Yes! LIC premiums offer tax benefits under the Income Tax Act, 1961: Section 80C — Premium paid is deductible up to ₹1,50,000 per year from taxable income. Applicable for self, spouse and children. Section 10(10D) — Maturity proceeds and death claim are fully tax-free (with conditions). Premium should not exceed 10% of Sum Assured (15% for plans before April 2012). Section 80D — Health riders added to LIC policies may qualify for additional ₹25,000–50,000 deduction. Note: Budget 2023 removed 10(10D) exemption for policies with annual premium exceeding ₹5 lakhs (except term plans). Consult a tax advisor for your specific situation.

About LIC of India

Life Insurance Corporation of India (LIC), established on 1st September 1956 by the Life Insurance Corporation Act, is India's largest state-owned life insurance and investment company. With headquarters in Mumbai, LIC is the backbone of India's insurance sector, holding over 61% market share.

LIC manages assets worth over ₹43 lakh crore and serves more than 290 million policyholders across India through 2,048 branch offices, 8 zonal offices, and a network of over 13.5 lakh agents. It is listed on BSE and NSE (since May 2022).

290M+
Policyholders
₹43L Cr
AUM
2,048+
Branch Offices
61%
Market Share
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Enter Your Personal Details

All fields adapt automatically to the selected plan. Results are instant and include GST.

Enter your current completed age

Select term in years

*Approximate values based on published LIC rates. Actual premium may vary slightly based on underwriting.

ENDOWMENT

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MATURITY / RETURN
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Sum Assured + Bonus
Sum Assured
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Annual Premium
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Monthly Premium
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(incl. GST)
Total Paid
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Total Bonus
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Maturity / Return
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Investment Distribution

Premium paid vs. total returns breakdown

Year-wise Cumulative Growth

Key Insights

XIRR (Approx.)
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Effective annual return
Money Multiplier
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Maturity ÷ premium paid
Cover vs. Cost
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SA ÷ total premium paid
Break-even Year
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When surrender > paid

Year-wise Benefit Illustration

* Bonus rates are illustrative (approx. reversionary bonus declared by LIC). Surrender values are estimates. GST included in premium column. Actual values declared by LIC may differ.

About LICCalculator.org

India's most comprehensive free LIC premium calculator

Who We Are

LICCalculator.org is a free, independent online tool built to help Indian citizens make informed decisions about their LIC (Life Insurance Corporation of India) insurance policies. We are not affiliated with, endorsed by, or in any way officially connected to the Life Insurance Corporation of India (LIC).

We are a team of finance enthusiasts, developers, and insurance professionals who believe that every Indian should have access to clear, transparent, and instant information about their LIC premiums and returns — without needing to contact an agent or fill out lengthy forms.

Our Mission

Our mission is simple: make LIC policy calculations transparent, fast, and accessible to every Indian. With over 29 crore LIC policyholders in India, millions of people pay premiums every month without fully understanding their maturity value, effective returns, or year-wise bonus accumulation. LICCalculator.org bridges that gap.

What We Offer

22 LIC Plans Covered

From Jeevan Anand to Tech Term, all active LIC plans with updated 2025–26 premium rates and bonus data.

Instant Calculations

Real-time premium, maturity, XIRR, surrender value and year-wise benefit illustration — all in under 2 seconds.

No Personal Data Collected

We never ask for your name, phone number, or Aadhaar. Zero registration. Zero spam calls. 100% private.

GST Inclusive & Accurate

All displayed premiums include applicable GST (4.5% first year, 2.25% renewal) based on 2025 regulations.

Data Sources

Our premium rate tables and bonus rate data are compiled from:

  • Publicly available LIC premium tables from licindia.in
  • LIC Annual Reports and benefit illustrations
  • IRDAI (Insurance Regulatory and Development Authority of India) disclosures
  • Published bonus rates declared by LIC for 2024-25 and 2025-26

We update our data regularly to reflect LIC's latest rate revisions and new plan launches.

Contact Us

For queries, corrections, or feedback, please write to us at help@liccalculator.org. We aim to respond within 48 hours on business days.

22
LIC Plans
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Free to Use
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Data Collected
2025
Data Updated

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We are here to help. Reach out for any queries or feedback.

Email Support

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Response within 48 business hours

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Frequently Asked Before Writing to Us

Are the premium rates accurate? — Rates are approximate based on published LIC tables. Always verify with your LIC agent for exact quotes.

Why is my calculated premium different from my agent's quote? — Actual premiums may vary based on exact date of birth, medical underwriting, riders, and rounding. Use our figures as a reference.

Is this an official LIC website? — No. We are an independent educational tool. For official LIC services, visit licindia.in.

Disclaimer

Last updated: June 2025

Important Notice

LICCalculator.org is an independent, educational financial tool. It is NOT affiliated with, endorsed by, or in any way officially associated with the Life Insurance Corporation of India (LIC) or any government body. LIC® is a registered trademark of the Life Insurance Corporation of India.

1. General Information Only

All content on LICCalculator.org, including premium calculations, maturity estimates, bonus projections, surrender values, and XIRR figures, is provided for general informational and educational purposes only. Nothing on this website constitutes financial advice, insurance advice, or a solicitation to buy any insurance product.

2. Accuracy of Calculations

While we make every effort to keep our premium rate tables accurate and up-to-date, the calculations displayed are indicative and approximate. Actual premiums may vary due to:

  • Exact date of birth vs. completed age used in our calculator
  • Medical underwriting and health status of the proposer
  • Policy riders and add-on covers selected
  • LIC's periodic revision of premium rates and bonus rates
  • Mode rebates / loading factors applied by LIC
  • Applicable taxes, levies, and regulatory changes after our last update

3. Bonus Rates Are Illustrative

LIC declares Simple Reversionary Bonus (SRB) and Final Addition Bonus (FAB) annually based on its fund performance and actuarial assessments. The bonus rates used in our calculations are based on historically declared rates and are not guaranteed. Future bonus rates may be higher or lower.

4. Not a Substitute for Professional Advice

Before purchasing any LIC policy, you are strongly advised to:

  • Consult a licensed LIC agent or certified insurance advisor
  • Review the official product brochure and policy document from LIC
  • Obtain an official premium quote from licindia.in or your LIC branch
  • Consult a certified tax advisor for tax-related queries (Section 80C, 10(10D))

5. No Liability

LICCalculator.org and its team shall not be held liable for any direct, indirect, incidental, or consequential damages arising from the use of or reliance on information provided on this website. Any financial decision you make based on the data shown on LICCalculator.org is entirely your own responsibility.

6. External Links

This website contains links to external sites such as licindia.in. We are not responsible for the content, accuracy, or privacy practices of any external websites. Links are provided for reference and convenience only.

7. ULIP and Market-Linked Plans

For ULIP plans (SIIP, Index Plus), projected fund values are based on assumed growth rates of 4%, 8%, and 12% per annum. These are hypothetical scenarios only. ULIP returns are subject to market risk. Past performance of any fund is not indicative of future returns.

8. Changes to This Disclaimer

We reserve the right to update or modify this disclaimer at any time without prior notice. Continued use of LICCalculator.org constitutes acceptance of the most current version of this disclaimer.

If you have questions about this disclaimer, contact us at help@liccalculator.org.

Privacy Policy

Effective Date: 1st January 2025  ·  Last Updated: June 2025

Short Summary: LICCalculator.org does not collect, store, or sell your personal information. The calculator runs entirely in your browser. No signup, no cookies for tracking, no spam.

1. Introduction

LICCalculator.org ("we", "our", "us") is committed to protecting your privacy. This Privacy Policy explains how we handle information when you visit and use our website at https://liccalculator.org. By using our website, you agree to this policy.

2. Information We Do NOT Collect

Our LIC premium calculator runs entirely in your web browser (client-side). The calculator does not send your personal details — such as name, age, income, phone number, or Aadhaar — to any server. We do not collect or store:

  • Your name or contact details (unless voluntarily submitted via our contact form)
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3. Information We May Collect Automatically

Like most websites, our server may automatically log basic technical information when you visit:

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LICCalculator.org is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us at help@liccalculator.org and we will promptly delete it.

8. Data Security

Since our calculator processes all data locally in your browser, no sensitive insurance-related data is transmitted to or stored on our servers. Our website uses HTTPS (SSL/TLS encryption) to protect all data in transit. We follow industry-standard security practices for server infrastructure.

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Under applicable Indian data protection regulations and international privacy standards, you have the right to:

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11. Contact

For any privacy-related concerns, write to us at:

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