LIC New Endowment Plan 814 Calculator and Returns 2026: A Comprehensive Guide

The LIC New Endowment Plan 814 is a popular choice for those seeking a savings and insurance plan, offering a guaranteed sum assured and bonus rates, as the plan provides a Maturity (मैच्युरिटी) benefit and a death benefit, making it a great option for those looking for a secure and stable investment

In India, 2026, investing in a life insurance plan is a practical way to secure your financial future, and the LIC New Endowment Plan 814 is a great option to consider, with its guaranteed sum assured and bonus rates, the plan provides a Maturity (मैच्युरिटी) benefit and a death benefit, making it a great option for those looking for a secure and stable investment, the plan also offers a flexible Premium (प्रीमियम) payment option, allowing policyholders to pay their premiums annually, half-yearly, quarterly, or monthly, with a minimum Sum Assured (बीमा राशि) of ₹ 1 lakh and a maximum Sum Assured (बीमा राशि) of ₹ 1 crore

The LIC New Endowment Plan 814 also offers a loan facility, allowing policyholders to borrow up to 80% of the surrender value of their policy, at an interest rate of 9% per annum, the plan also provides a tax benefit, with premiums paid eligible for a tax deduction under Section 80C of the Income Tax Act, and the Maturity (मैच्युरिटी) benefit and death benefit are also tax-free, making it a great option for those looking to save on taxes, in comparison to other investment options like FD, PPF, and term insurance, the LIC New Endowment Plan 814 offers a higher return on investment, with a bonus rate of ₹ 42 per ₹ 1,000 sum assured, and an XIRR return calculation of 6.5% per annum, making it a great option for those looking for a long-term investment

How to Calculate Returns on LIC New Endowment Plan 814

To calculate the returns on the LIC New Endowment Plan 814, policyholders can use the LIC New Endowment Plan 814 calculator, which takes into account the Premium (प्रीमियम) paid, the Sum Assured (बीमा राशि), and the bonus rate, for example, if a policyholder pays a Premium (प्रीमियम) of ₹ 20,000 per annum for 20 years, with a Sum Assured (बीमा राशि) of ₹ 5 lakh, and a bonus rate of ₹ 42 per ₹ 1,000 sum assured, the Maturity (मैच्युरिटी) benefit would be ₹ 6.5 lakh, and the death benefit would be ₹ 5 lakh, the policyholder can also calculate the XIRR return, which would be 6.5% per annum, making it a great option for those looking for a long-term investment, in comparison to other investment options like FD, PPF, and term insurance, the LIC New Endowment Plan 814 offers a higher return on investment, with a bonus rate of ₹ 42 per ₹ 1,000 sum assured, and an XIRR return calculation of 6.5% per annum

• The plan provides a guaranteed sum assured and bonus rates
• The plan offers a flexible Premium (प्रीमियम) payment option
• The plan provides a loan facility, allowing policyholders to borrow up to 80% of the surrender value of their policy

Benefits of LIC New Endowment Plan 814

The LIC New Endowment Plan 814 offers several benefits, including a guaranteed sum assured and bonus rates, a flexible Premium (प्रीमियम) payment option, and a loan facility, allowing policyholders to borrow up to 80% of the surrender value of their policy, the plan also provides a tax benefit, with premiums paid eligible for a tax deduction under Section 80C of the Income Tax Act, and the Maturity (मैच्युरिटी) benefit and death benefit are also tax-free, making it a great option for those looking to save on taxes, in comparison to other investment options like FD, PPF, and term insurance, the LIC New Endowment Plan 814 offers a higher return on investment, with a bonus rate of ₹ 42 per ₹ 1,000 sum assured, and an XIRR return calculation of 6.5% per annum, for example, if a policyholder pays a Premium (प्रीमियम) of ₹ 20,000 per annum for 20 years, with a Sum Assured (बीमा राशि) of ₹ 5 lakh, and a bonus rate of ₹ 42 per ₹ 1,000 sum assured, the Maturity (मैच्युरिटी) benefit would be ₹ 6.5 lakh, and the death benefit would be ₹ 5 lakh

• The plan provides a guaranteed sum assured and bonus rates
• The plan offers a flexible Premium (प्रीमियम) payment option
• The plan provides a loan facility, allowing policyholders to borrow up to 80% of the surrender value of their policy

How to Use the LIC New Endowment Plan 814 Calculator

The LIC New Endowment Plan 814 calculator is a simple and easy-to-use tool that helps policyholders calculate their returns and bonuses, to use the calculator, policyholders need to enter their Premium (प्रीमियम) amount, Sum Assured (बीमा राशि), and bonus rate, and the calculator will provide the Maturity (मैच्युरिटी) benefit and death benefit, as well as the XIRR return calculation, for example, if a policyholder pays a Premium (प्रीमियम) of ₹ 20,000 per annum for 20 years, with a Sum Assured (बीमा राशि) of ₹ 5 lakh, and a bonus rate of ₹ 42 per ₹ 1,000 sum assured, the calculator will provide the Maturity (मैच्युरिटी) benefit and death benefit, as well as the XIRR return calculation, which would be 6.5% per annum, making it a great option for those looking for a long-term investment, in comparison to other investment options like FD, PPF, and term insurance, the LIC New Endowment Plan 814 offers a higher return on investment, with a bonus rate of ₹ 42 per ₹ 1,000 sum assured, and an XIRR return calculation of 6.5% per annum

• Enter the Premium (प्रीमियम) amount
• Enter the Sum Assured (बीमा राशि)
• Enter the bonus rate

Comparison with Other Investment Options

The LIC New Endowment Plan 814 offers a higher return on investment compared to other investment options like FD, PPF, and term insurance, with a bonus rate of ₹ 42 per ₹ 1,000 sum assured, and an XIRR return calculation of 6.5% per annum, for example, if a policyholder pays a Premium (प्रीमियम) of ₹ 20,000 per annum for 20 years, with a Sum Assured (बीमा राशि) of ₹ 5 lakh, and a bonus rate of ₹ 42 per ₹ 1,000 sum assured, the Maturity (मैच्युरिटी) benefit would be ₹ 6.5 lakh, and the death benefit would be ₹ 5 lakh, in comparison, a fixed deposit with a bank like SBI or ICICI would offer a return of 5% per annum, and a PPF account would offer a return of 7.1% per annum, but with a longer lock-in period, and a term insurance plan would offer a death benefit only, with no Maturity (मैच्युरिटी) benefit, making the LIC New Endowment Plan 814 a great option for those looking for a long-term investment

• The plan offers a higher return on investment compared to FD
• The plan offers a higher return on investment compared to PPF
• The plan offers a higher return on investment compared to term insurance

Conclusion

In conclusion, the LIC New Endowment Plan 814 is a great option for those looking for a long-term investment, with a guaranteed sum assured and bonus rates, a flexible Premium (प्रीमियम) payment option, and a loan facility, allowing policyholders to borrow up to 80% of the surrender value of their policy, the plan also provides a tax benefit, with premiums paid eligible for a tax deduction under Section 80C of the Income Tax Act, and the Maturity (मैच्युरिटी) benefit and death benefit are also tax-free, making it a great option for those looking to save on taxes, in comparison to other investment options like FD, PPF, and term insurance, the LIC New Endowment Plan 814 offers a higher return on investment, with a bonus rate of ₹ 42 per ₹ 1,000 sum assured, and an XIRR return calculation of 6.5% per annum, for example, if a policyholder pays a Premium (प्रीमियम) of ₹ 20,000 per annum for 20 years, with a Sum Assured (बीमा राशि) of ₹ 5 lakh, and a bonus rate of ₹ 42 per ₹ 1,000 sum assured, the Maturity (मैच्युरिटी) benefit would be ₹ 6.5 lakh, and the death benefit would be ₹ 5 lakh, making it a great option for those looking for a secure and stable investment

• The plan provides a guaranteed sum assured and bonus rates
• The plan offers a flexible Premium (प्रीमियम) payment option
• The plan provides a loan facility, allowing policyholders to borrow up to 80% of the surrender value of their policy

Summary of LIC New Endowment Plan 814