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Decision Guide

LIC Surrender Karna Chahiye ya Nahi? (Decision Guide)

By LicBaba Expert Team•6 min read

Aksar policyholders pareshan hote hain ki unhe apni LIC policy chalu rakhni chahiye ya use surrender karke paise nikal lene chahiye. Yeh ek bahut bada financial decision hai. Aaiye isko detail mein samajhte hain.

Life Insurance policies lambe samay ke liye banai jati hain. Agar aap inhein beech mein hi band (surrender) karte hain, to LIC penalty charge karti hai. Is penalty ki wajah se, surrender karne par aapko apni jama ki gayi poori rakam wapas nahi milti. Aksar policyholders ko 30% se 50% tak ka bhari nuksan hota hai.

LIC Policy Surrender Karne Ke Nuksan

  • Mool dhan (Principal) ka nuksan: Shuruati saalo mein surrender karne par aapki jama ki gayi basic premium rashi se bhi kam paisa milta hai.
  • Bima cover khatam: Jis din aap policy surrender karte hain, aapka life cover usi din khatam ho jata hai. Parivar ki aarthik suraksha chheen jati hai.
  • Tax liability: Agar aapne policy shuruati saalo mein hi surrender kar di, to Section 80C ke tahat liya gaya pichla tax benefit reverse ho sakta hai.

Surrender Value Calculate Kaise Hoti Hai?

LIC "Guaranteed Surrender Value (GSV)" ka formula use karti hai. Iska matlab hai ki aapne ab tak jitna premium bhara hai, uska kuch pratishat hi aapko wapas milega. Saath hi jama hue bonus ka bhi ek chhota hissa milta hai.

Surrender Formula

Total Surrender Value = (Total Premium Paid × GSV Factor) + (Vested Bonus × GSV Bonus Factor)

Jaise-jaise policy purani hoti hai, GSV factor badhta hai. Isliye policy ko uske term ke aakhiri saalo mein surrender karne par nuksan thoda kam hota hai, lekin fir bhi maturity value se kafi kam paisa milta hai.

Surrender Karne Ke 3 Behtar Alternatives

Agar aap premium nahi bhar pa rahe hain, to surrender karne se pehle in 3 vikalpo par vichar karein:

  1. Policy par Loan lena: Agar aapko achanak emergency mein cash chahiye, to surrender mat karein. Aap apni policy ki surrender value ka 90% tak loan le sakte hain. Interest rate bhi kafi kam hota hai (lagbhag 9.5%) aur aapki policy chalu rehti hai.
  2. Paid-Up Policy banne dena: Agar aap aage ka premium nahi bhar sakte, to policy ko bas chhod dein (agar 2 saal poore ho chuke hain). Policy "Paid-Up" ho jayegi. isme life cover thoda kam ho jayega, par policy maturity tak chalegi.
  3. Grace Period ka use: Agar aapko bas kuch dino ki mohlat chahiye, to LIC ki taraf se 30 din ka grace period milta hai.

Surrender Loss Calculate Karein

Surrender karne se pehle apna nuksan check karein. Hamara free LIC Surrender Value Calculator aapko batayega ki surrender karne par kitna paisa milega.

Check Surrender Value →

Frequently Asked Questions

Naye niyam ke anusar, policy surrender karne ke liye kam se kam 2 poore saal ka premium jama hona zaroori hai. Agar aap 2 saal se pehle surrender karte hain, to aapko ek bhi paisa wapas nahi milega aur aapka poora premium doob jayega.
Agar aap 2 saal premium bharne ke baad aage premium nahi bharte, to policy apne aap "Paid-Up" status mein chali jati hai. Isme aapki policy chalti rehti hai lekin aapka Sum Assured (Bima Rashi) kam ho jata hai. Policy maturity par aapko kam paisa milta hai lekin poora nuksan nahi hota.
Agar aapko achanak paiso ki zaroorat hai, to surrender karne ke bajaye policy par loan lena behtar vikalp hai. Surrender karne par aapko apni jama ki gayi rashi par 40-60% tak ka nuksan uthana padh sakta hai, jabki loan lene par aapki policy aur life cover dono chalu rehte hain.