LicBaba — Free LIC Calculators & Policy Guides 2026
India's independent portal for policyholders. Estimate maturity amounts, check premium values, evaluate policy surrenders, and track official historical bonus rates.
Featured Tool: LIC Maturity Estimator
Quickly test policy payouts with realistic reversionary and terminal bonus rates.
Explore All LIC Calculators
Free, fast, and mobile-friendly tools for every LIC plan.
Maturity Calculator
Estimate maturity amounts with pre-filled bonus rates.
Premium Calculator
Check modal premiums, riders, and 80C tax benefits.
Jeevan Anand (Plan 715)
Dual maturity payout and lifetime cover estimates.
Jeevan Labh (Plan 736)
Calculate limited-premium endowment plan returns.
Surrender Value Calculator
Find GSV/SSV values and potential closure losses.
Return (XIRR) Calculator
Solve for the actual compound yield on cash flows.
LIC vs FD Calculator
Compare tax-free insurance returns vs taxable bank FDs.
Loan Against Policy
Check eligible loan limits and interest schedules.
Maturity Date Calculator
Enter policy start date and track days to maturity.
Jeevan Lakshya (Plan 733)
Children education plan premium and benefit calculator.
Money Back Calculator
Plan 720 & 721 periodic survival benefit payouts.
Pension Calculator
Estimate monthly pension yields for Plan 879 and Shanti.
Free LIC Policy Calculators & Reference Guides
Managing your life insurance shouldn't require guesswork. Traditional LIC insurance plans are long-term commitments, often spanning 15 to 30 years. Over such durations, reversionary bonuses compound, and terminal bonuses are declared. LicBaba.com is designed to bring transparency to these policies. By utilizing the exact mathematical rules declared by the Life Insurance Corporation of India (LIC) and pre-filling verified historical bonus rates, our calculators provide highly accurate maturity projections. Whether you are checking the payouts of New Jeevan Anand (Plan 715), limited PPT options like Jeevan Labh (Plan 736), or evaluating the tax-saving limits under Section 80C, our tools help you analyze financial performance at a glance.
What Makes LicBaba Different?
- Pre-filled Bonus Tables: Competitor sites force you to manually guess policy bonus rates. LicBaba maintains a database of official historical rates, automatically pre-filling calculators for maximum accuracy.
- XIRR Annualized Yields: We don't just show you the final lump sum. We calculate the exact compound interest rate (XIRR %) your premium outflows generate over the term.
- Maturity Date Countdown: Wondering when your policy term actually completes? Use our commencement-date countdown to get days, months, and exact maturity timelines.
- Detailed PDF Reports: Download, share, or archive comprehensive calculation reports containing inputs, outputs, and projection models in one click.
Popular LIC Policies & Bonus Rates 2026
| Plan Name & Number | Type of Plan | Typical Bonus (per ₹1K SA) | Typical Yield (XIRR) |
|---|---|---|---|
| LIC New Jeevan Anand (715) | Endowment + Whole Life | ₹44 | 5.2% - 5.7% |
| LIC Jeevan Labh (736) | Limited Premium Endowment | ₹54 | 5.8% - 6.2% |
| LIC Jeevan Lakshya (733) | Endowment (Child Education) | ₹44 | 5.2% - 5.6% |
| LIC New Endowment (814) | Classic Savings Endowment | ₹42 | 5.0% - 5.5% |