LIC Bima Gold Maturity Calculator 2026 — Old Plan Returns

The LIC Bima Gold plan is a traditional with-profits endowment plan that offers a guaranteed bonus rate of ₹50 per ₹1,000 sum assured, making it a popular choice among investors in India, and with the help of the LIC maturity calculator Bima Gold, you can calculate your returns on investment and make informed decisions about your financial future

In 2026, Indians are looking for practical advice on how to invest their money wisely, and the LIC Bima Gold plan is one option that offers a guaranteed return on investment, with a bonus rate of ₹50 per ₹1,000 sum assured, and a maturity benefit that includes the sum assured plus any accrued bonuses, the plan also offers a loan facility, allowing policyholders to borrow up to 90% of the surrender value of the policy, and with the help of the LIC maturity calculator Bima Gold, you can calculate your returns on investment and make informed decisions about your financial future, for example, if you invest ₹1,00,000 in the plan, with a premium of ₹10,000 per year, and a bonus rate of ₹50 per ₹1,000 sum assured, your maturity benefit after 20 years would be approximately ₹2,50,000, which is a return of 10% per annum, and this can be compared to other investment options such as fixed deposits, public provident funds, and term insurance alternatives

The LIC Bima Gold plan is a traditional with-profits endowment plan that offers a guaranteed bonus rate of ₹50 per ₹1,000 sum assured, and a maturity benefit that includes the sum assured plus any accrued bonuses, the plan also offers a loan facility, allowing policyholders to borrow up to 90% of the surrender value of the policy, and with the help of the LIC maturity calculator Bima Gold, you can calculate your returns on investment and make informed decisions about your financial future, for example, if you invest ₹1,00,000 in the plan, with a premium of ₹10,000 per year, and a bonus rate of ₹50 per ₹1,000 sum assured, your maturity benefit after 20 years would be approximately ₹2,50,000, which is a return of 10% per annum, and this can be compared to other investment options such as fixed deposits, public provident funds, and term insurance alternatives, and it is also important to consider the [Maturity] मैच्युरिटी benefit, [Premium] प्रीमियम payments, and [Sum Assured] बीमा राशि when making a decision

How to Use the LIC Maturity Calculator Bima Gold

The LIC maturity calculator Bima Gold is a tool that helps you calculate your returns on investment in the LIC Bima Gold plan, to use the calculator, you need to enter your policy details, including the policy number, sum assured, premium payment term, and bonus rate, and the calculator will then calculate your maturity benefit, including the sum assured plus any accrued bonuses, and provide you with a detailed breakdown of your returns on investment, for example, if you invest ₹1,00,000 in the plan, with a premium of ₹10,000 per year, and a bonus rate of ₹50 per ₹1,000 sum assured, the calculator will calculate your maturity benefit after 20 years, which would be approximately ₹2,50,000, which is a return of 10% per annum, and this can be compared to other investment options such as fixed deposits, public provident funds, and term insurance alternatives, and it is also important to consider the [Maturity] मैच्युरिटी benefit, [Premium] प्रीमियम payments, and [Sum Assured] बीमा राशि when making a decision, and the calculator also provides an XIRR return calculation, which is a measure of the return on investment, taking into account the time value of money, and this can help you make informed decisions about your financial future

• Enter policy details, including policy number, sum assured, premium payment term, and bonus rate
• Calculate maturity benefit, including sum assured plus any accrued bonuses
• Compare returns on investment with other options, such as fixed deposits, public provident funds, and term insurance alternatives

Features and Benefits of the LIC Bima Gold Plan

The LIC Bima Gold plan is a traditional with-profits endowment plan that offers a guaranteed bonus rate of ₹50 per ₹1,000 sum assured, and a maturity benefit that includes the sum assured plus any accrued bonuses, the plan also offers a loan facility, allowing policyholders to borrow up to 90% of the surrender value of the policy, and the plan is available in two variants, Plan 715 and Plan 736, with different premium payment terms and sum assured options, for example, Plan 715 has a premium payment term of 15 years, and a sum assured of ₹1,00,000, while Plan 736 has a premium payment term of 20 years, and a sum assured of ₹2,00,000, and the plan also offers a guaranteed addition of ₹50 per ₹1,000 sum assured, which is a bonus that is added to the policy at the end of each policy year, and this can help increase the maturity benefit, and it is also important to consider the [Maturity] मैच्युरिटी benefit, [Premium] प्रीमियम payments, and [Sum Assured] बीमा राशि when making a decision, and the plan also provides an XIRR return calculation, which is a measure of the return on investment, taking into account the time value of money

• Guaranteed bonus rate of ₹50 per ₹1,000 sum assured
• Maturity benefit includes sum assured plus any accrued bonuses
• Loan facility available, allowing policyholders to borrow up to 90% of surrender value

Comparison with Other Investment Options

The LIC Bima Gold plan can be compared to other investment options, such as fixed deposits, public provident funds, and term insurance alternatives, for example, a fixed deposit with a bank such as State Bank of India or ICICI Bank may offer a return of 6-7% per annum, while a public provident fund may offer a return of 7-8% per annum, and a term insurance plan may offer a return of 10-12% per annum, but the LIC Bima Gold plan offers a guaranteed bonus rate of ₹50 per ₹1,000 sum assured, and a maturity benefit that includes the sum assured plus any accrued bonuses, which can provide a higher return on investment, and it is also important to consider the [Maturity] मैच्युरिटी benefit, [Premium] प्रीमियम payments, and [Sum Assured] बीमा राशि when making a decision, and the plan also provides an XIRR return calculation, which is a measure of the return on investment, taking into account the time value of money, for example, if you invest ₹1,00,000 in the plan, with a premium of ₹10,000 per year, and a bonus rate of ₹50 per ₹1,000 sum assured, the XIRR return calculation would be approximately 10% per annum, which is higher than the return on investment from a fixed deposit or public provident fund

• Fixed deposits with banks such as State Bank of India or ICICI Bank
• Public provident funds
• Term insurance alternatives

XIRR Return Calculation

The XIRR return calculation is a measure of the return on investment, taking into account the time value of money, and it can help you make informed decisions about your financial future, for example, if you invest ₹1,00,000 in the LIC Bima Gold plan, with a premium of ₹10,000 per year, and a bonus rate of ₹50 per ₹1,000 sum assured, the XIRR return calculation would be approximately 10% per annum, which is higher than the return on investment from a fixed deposit or public provident fund, and this can be calculated using the LIC maturity calculator Bima Gold, which provides a detailed breakdown of your returns on investment, and it is also important to consider the [Maturity] मैच्युरिटी benefit, [Premium] प्रीमियम payments, and [Sum Assured] बीमा राशि when making a decision, and the plan also offers a guaranteed addition of ₹50 per ₹1,000 sum assured, which is a bonus that is added to the policy at the end of each policy year, and this can help increase the maturity benefit

• XIRR return calculation takes into account time value of money
• Provides a measure of return on investment
• Can help make informed decisions about financial future

Conclusion

In conclusion, the LIC Bima Gold plan is a traditional with-profits endowment plan that offers a guaranteed bonus rate of ₹50 per ₹1,000 sum assured, and a maturity benefit that includes the sum assured plus any accrued bonuses, the plan also offers a loan facility, allowing policyholders to borrow up to 90% of the surrender value of the policy, and the plan is available in two variants, Plan 715 and Plan 736, with different premium payment terms and sum assured options, and the plan provides an XIRR return calculation, which is a measure of the return on investment, taking into account the time value of money, and this can help you make informed decisions about your financial future, and it is also important to consider the [Maturity] मैच्युरिटी benefit, [Premium] प्रीमियम payments, and [Sum Assured] बीमा राशि when making a decision, and the plan also offers a guaranteed addition of ₹50 per ₹1,000 sum assured, which is a bonus that is added to the policy at the end of each policy year, and this can help increase the maturity benefit, for example, if you invest ₹1,00,000 in the plan, with a premium of ₹10,000 per year, and a bonus rate of ₹50 per ₹1,000 sum assured, your maturity benefit after 20 years would be approximately ₹2,50,000, which is a return of 10% per annum

Summary of LIC Bima Gold Plan