LIC Bonus Rates 2026: Complete Plan-wise Table
Knowing the exact bonus rates declared by LIC is essential to calculating your policy's actual maturity value. Discover the latest 2026 reversionary and terminal bonus tables.
LIC policies are traditional insurance contracts where returns depend on annual bonus declarations. LIC distributes its valuation surplus to policyholders in the form of a Reversionary Bonus [वार्षिक बोनस] and a Final Additional (Terminal) Bonus [टर्मिनल बोनस]. The reversionary bonus accumulates annually based on your Sum Assured (बीमा राशि), while the terminal bonus is a single loyalty payout paid on maturity.
Official Declared Reversionary Bonus Rates (2026)
Below is the compiled plan-wise table showing the reversionary bonus rates per ₹1,000 Sum Assured for popular LIC policies in 2026:
| Plan Name & Number | Plan Type | 2026 Bonus (per ₹1K SA) | Typical Terminal Bonus |
|---|---|---|---|
| Jeevan Anand (715) | Endowment | ₹44 | ₹720 |
| Jeevan Labh (736) | Limited Endowment | ₹54 | ₹800 |
| Jeevan Lakshya (733) | Endowment / Child | ₹44 | ₹700 |
| New Endowment (814) | Endowment | ₹42 | ₹600 |
| Jeevan Umang (745) | Whole Life | ₹45 | ₹400 |
Guaranteed Addition Plans: A Safe Alternative
Lately, LIC has introduced plans with Guaranteed Additions (गारंटीड रिटर्न) which do not depend on annual bonus valuation. Plan 760 (Bima Jyoti) offers a fixed guaranteed addition of ₹50 per ₹1,000 Sum Assured every year, and Plan 764 (Bima Ratna) offers a high rate of ₹55 per ₹1,000 Sum Assured. For investors wanting certainty, these plans are excellent alternatives.
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