LIC Nav Jeevan Shree Plan 912 Calculator 2026 — Guaranteed Returns

The LIC Nav Jeevan Shree Plan 912 is a popular endowment plan that offers guaranteed returns, it's a great option for those looking for a low-risk investment

In India, 2026, investing in a life insurance policy can be a great way to secure your financial future, the LIC Nav Jeevan Shree Plan 912 is a popular option that offers guaranteed returns, with a minimum sum assured of ₹1,00,000 and a maximum sum assured of ₹5,00,000, this plan is suitable for individuals who want to save for their long-term goals, such as retirement or their child's education, the plan also offers a loan facility, where you can borrow up to 80% of the surrender value, at an interest rate of 9% per annum, the premium for this plan can be paid annually, half-yearly, quarterly, or monthly, depending on your convenience

The LIC Nav Jeevan Shree Plan 912 also offers a bonus, which is a share of the profits made by the insurance company, the bonus rate for this plan is ₹45 per ₹1,000 sum assured, which is a relatively high bonus rate compared to other endowment plans, the plan also offers a maturity benefit, which is the sum assured plus the bonus, the maturity benefit can be used to fund your retirement or other long-term goals, it's also important to note that the plan offers a death benefit, which is the sum assured plus the bonus, in the event of the policyholder's death

How to Calculate Guaranteed Returns

To calculate the guaranteed returns on your investment in the LIC Nav Jeevan Shree Plan 912, you can use the LIC Nav Jeevan Shree 912 calculator, this calculator takes into account the sum assured, premium, and bonus rate to calculate the maturity benefit, for example, if you invest ₹50,000 per year for 20 years, with a sum assured of ₹5,00,000, and a bonus rate of ₹45 per ₹1,000 sum assured, the maturity benefit would be approximately ₹11,25,000, which is a return of 9.5% per annum, this is a relatively high return compared to other investment options such as fixed deposits or public provident funds

• The plan offers a guaranteed return of 9.5% per annum
• The plan offers a bonus rate of ₹45 per ₹1,000 sum assured
• The plan offers a loan facility at an interest rate of 9% per annum

Comparison with Other Investment Options

The LIC Nav Jeevan Shree Plan 912 offers a relatively high return compared to other investment options such as fixed deposits or public provident funds, 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, however, the LIC Nav Jeevan Shree Plan 912 offers a return of 9.5% per annum, which is a relatively high return, additionally, the plan offers a life insurance cover, which is not available with other investment options, the plan also offers a tax benefit, where the premium paid is eligible for a tax deduction under section 80C of the Income Tax Act

• The plan offers a higher return compared to fixed deposits
• The plan offers a higher return compared to public provident funds
• The plan offers a life insurance cover

XIRR Return Calculations

The XIRR return calculation is a method of calculating the return on investment, it takes into account the cash flows and the time value of money, for example, if you invest ₹50,000 per year for 20 years, with a sum assured of ₹5,00,000, and a bonus rate of ₹45 per ₹1,000 sum assured, the XIRR return would be approximately 9.5% per annum, this is a relatively high return compared to other investment options, the XIRR return calculation can be done using a spreadsheet or a financial calculator, it's also important to note that the XIRR return calculation assumes that the cash flows are reinvested at the same rate of return

• The XIRR return calculation takes into account the cash flows and the time value of money
• The XIRR return calculation assumes that the cash flows are reinvested at the same rate of return
• The XIRR return calculation can be done using a spreadsheet or a financial calculator

Calculation Example

For example, if you invest ₹50,000 per year for 20 years, with a sum assured of ₹5,00,000, and a bonus rate of ₹45 per ₹1,000 sum assured, the maturity benefit would be approximately ₹11,25,000, which is a return of 9.5% per annum, this is a relatively high return compared to other investment options, to calculate the maturity benefit, you can use the LIC Nav Jeevan Shree 912 calculator, which takes into account the sum assured, premium, and bonus rate, the calculator also takes into account the time value of money, and assumes that the cash flows are reinvested at the same rate of return, it's also important to note that the plan offers a loan facility, where you can borrow up to 80% of the surrender value, at an interest rate of 9% per annum

• The plan offers a loan facility at an interest rate of 9% per annum
• The plan offers a maturity benefit of approximately ₹11,25,000
• The plan offers a return of 9.5% per annum

Conclusion

In conclusion, the LIC Nav Jeevan Shree Plan 912 is a popular endowment plan that offers guaranteed returns, with a minimum sum assured of ₹1,00,000 and a maximum sum assured of ₹5,00,000, the plan also offers a bonus, which is a share of the profits made by the insurance company, the bonus rate for this plan is ₹45 per ₹1,000 sum assured, which is a relatively high bonus rate compared to other endowment plans, the plan also offers a loan facility, where you can borrow up to 80% of the surrender value, at an interest rate of 9% per annum, to calculate the maturity benefit, you can use the LIC Nav Jeevan Shree 912 calculator, which takes into account the sum assured, premium, and bonus rate, it's also important to note that the plan offers a life insurance cover, which is not available with other investment options, the plan also offers a tax benefit, where the premium paid is eligible for a tax deduction under section 80C of the Income Tax Act, Maturity (मैच्युरिटी) benefit is paid at the end of the policy term, Premium (प्रीमियम) can be paid annually, half-yearly, quarterly, or monthly, Sum Assured (बीमा राशि) is the minimum amount that will be paid in the event of the policyholder's death

• The plan offers a guaranteed return of 9.5% per annum
• The plan offers a bonus rate of ₹45 per ₹1,000 sum assured
• The plan offers a loan facility at an interest rate of 9% per annum

Summary of LIC Nav Jeevan Shree Plan 912