🚨Big Update:0% GST on LIC Life Insurance Premiums starting Sep 2025! See how much you will save

LicBaba — Free LIC Calculators & Policy Guides 2026

Name: LicBaba — Free LIC Calculators
Rating: 4.8 (1245 reviews)
Author: LicBaba

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.

All LIC Plans Covered|Bonus Rates Updated 2026|PDF Report Download|100% Free & Independent|Verified by Financial Experts

Configure Policy Details

Sum Assured (बीमा राशि)₹5,00,000

₹50,000₹50,00,000

Policy Term (अवधि)20 Years

10 Years35 Years

Annual Base Premium (वार्षिक प्रीमियम)₹25,000

₹2,000₹2,00,000

Reversionary Bonus Rate

Terminal Bonus Rate

Payout & Returns Summary

Premiums Paid

₹5,00,000

Total Accrued Bonus

₹5,40,000

Total Maturity Value

₹10.40 Lakh

XIRR (Returns)

6.55%

Sum AssuredReversionaryTerminal

⚖️ LIC vs Bank Fixed Deposit (FD)

Compare LIC maturity payout returns with what you would get by investing the same amount annually into a bank FD.

LIC Policy Return10(10D) Tax-Free

₹10,40,000

Calculated at 6.55% XIRR yield. Payout is completely tax-free under section 10(10D) for policies bought before April 2023.

Bank FD Returns (Net of Tax)Taxable Interest

₹8,73,607

Calculated at 6.5% interest rate, assuming 30% tax slab deduction. Gross FD maturity before tax is ₹10,33,724.

Want a better life cover than traditional LIC policies?

Traditional plans offer 5-6% returns with low life cover. Compare pure Term Insurance plans starting from just ₹440/month for a ₹1 Crore cover.

Compare Term Plans

Explore All LIC Calculators

Free, fast, and mobile-friendly tools for every LIC plan.

📈Popular

Maturity Calculator

Estimate maturity amounts with pre-filled bonus rates.

Open Tool →

💼

Premium Calculator

Check modal premiums, riders, and 80C tax benefits.

Open Tool →

🤝Trending

Jeevan Anand (Plan 715)

Dual maturity payout and lifetime cover estimates.

Open Tool →

💎

Jeevan Labh (Plan 736)

Calculate limited-premium endowment plan returns.

Open Tool →

🚪

Surrender Value Calculator

Find GSV/SSV values and potential closure losses.

Open Tool →

📊

Return (XIRR) Calculator

Solve for the actual compound yield on cash flows.

Open Tool →

⚖️Unique

LIC vs FD Calculator

Compare tax-free insurance returns vs taxable bank FDs.

Open Tool →

🏦

Loan Against Policy

Check eligible loan limits and interest schedules.

Open Tool →

📅

Maturity Date Calculator

Enter policy start date and track days to maturity.

Open Tool →

🎓

Jeevan Lakshya (Plan 733)

Children education plan premium and benefit calculator.

Open Tool →

💵

Money Back Calculator

Plan 720 & 721 periodic survival benefit payouts.

Open Tool →

👵

Pension Calculator

Estimate monthly pension yields for Plan 879 and Shanti.

Open Tool →

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

Popular LIC Policies and Bonus Rates for 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%

Frequently Asked Questions

LicBaba is an independent, free educational portal offering interactive calculators and reference guides for policyholders of the Life Insurance Corporation of India (LIC). We help you estimate maturity payouts, check premiums, analyze surrender values, and find the actual return rate (XIRR) of your policies.

Our maturity calculations use the exact mathematical formulas defined by LIC: Maturity = Sum Assured + Accumulated Reversionary Bonuses + Terminal Bonus. We prefill typical bonus rates based on LIC's latest official annual declarations, ensuring high accuracy.

No, LicBaba is completely independent. We are not associated, sponsored, or affiliated with the Life Insurance Corporation of India (LIC) or any government authority. All tools are for educational purposes, and you should verify results with your agent or branch before making final decisions.

No, all calculators on LicBaba are 100% free and open. We do not require any login, phone numbers, email addresses, or policy numbers. All inputs are processed locally inside your web browser, ensuring total privacy.

XIRR stands for Extended Internal Rate of Return, representing the compound annual interest yield on your premiums. Traditional LIC endowment plans typically offer a tax-free yield (XIRR) between 5.0% to 5.8% p.a., depending on the policy term and plan type.

You can use our LIC Policy Maturity Date Calculator. Simply enter your policy commencement date and the policy term in years. The calculator will instantly show your exact maturity date, months remaining, and a countdown timer.