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LIC Maturity Calculator by Policy Number: Online Kaise Check Karein?

By LicBaba Expert Team•8 min read

Kya aap apni LIC policy ki maturity amount jan na chahte hain? Bahut se log internet par "LIC maturity calculator by policy number" search karte hain. Aaiye jaante hain iska sahi aur secure tareeka kya hai.

Life Insurance Corporation of India (LIC) ki policies lambe samay ka nivesh hoti hain. Jab hum 15 ya 20 saal tak lagatar premium bharte hain, to man mein sawaal aana swabhavik hai ki aakhir maturity par humein kitna paisa milega.

Lekin internet par kisi bhi website (even LicBaba) par apna policy number daalkar exact amount nikalna possible nahi hai, kyunki LIC aapka data third-party apps ke sath share nahi karta. Yeh aapki privacy aur security ke liye zaroori hai.

To Fir Maturity Amount Kaise Calculate Karein?

Maturity amount calculate karne ke do tareeke hain:

  1. Official Tareeka: LIC ke Customer Portal par login karke apna exact accumulated bonus check karna.
  2. Estimation Tareeka: LicBaba ke calculator mein apne policy bond se Sum Assured aur Term daalkar estimate lagana.

Estimate Your Maturity Now (No Policy Number Required)

Apne policy bond se sirf Sum Assured aur Term nikal kar neeche diye gaye calculator mein enter karein. Hum LIC ke 2026 ke latest bonus rates use karke aapko ek bohot accurate estimate dikha denge.

All LIC Plans CoveredBonus Rates Updated 2026PDF Report Download100% Free & Independent
Configure Policy Details
₹5,00,000
₹50,000₹50,00,000
20 Years
10 Years35 Years
₹25,000
₹2,000₹2,00,000
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

Step-by-Step: Official Portal Se Kaise Check Karein?

Agar aap apni policy ka exact status aur total jama kiya gaya bonus dekhna chahte hain, to aapko LIC ki official website ka istemal karna hoga:

  1. Step 1: LIC ki official website licindia.in par jayein aur "Customer Portal" par click karein.
  2. Step 2: Agar aap naye user hain, to "New User" par click karein. Aapko apna Policy Number, Premium amount (without GST), DOB aur mobile number daalna hoga.
  3. Step 3: Registration complete karne ke baad login karein.
  4. Step 4: Apni policy select karein aur "Policy Status" ya "Accrued Bonus" section mein jayein. Yahan aapko ab tak ka sara bonus dikh jayega.

Maturity Formula: Paise Kaise Judte Hain?

LIC ki traditional policies mein paisa is formula se milta hai:

Maturity = Sum Assured + Reversionary Bonus + Terminal Bonus

Agar aapki policy 20 saal ki hai, to har saal ek "Reversionary Bonus" declare hota hai aur aapke account mein judta jata hai. Policy khatam hone par, LIC ek "Terminal Bonus" bhi deti hai jo ek loyalty reward hota hai.

Frequently Asked Questions

No. For security reasons, LIC does not allow third-party websites to access your policy data using just a policy number. You must use the official LIC e-Services portal to see your exact accrued bonuses. However, you can estimate the maturity on LicBaba by entering your Sum Assured and Term.
Visit licindia.in, click on "Customer Portal", select "New User", and enter your Policy Number, Installment Premium (without tax), Date of Birth, and mobile number to create your account.
You only need three details from your bond: 1) The Basic Sum Assured (Bima Rashi), 2) The Policy Term in years, and 3) The Annual Premium you pay (excluding GST).