LIC Bima Jyoti Plan 760 Calculator 2026

Calculate guaranteed addition returns (₹50 per ₹1,000 SA fixed every year) for Bima Jyoti Plan 760. No bonus rate uncertainty. Updated for 2026.

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What is the guaranteed maturity value of a 5 Lakh Bima Jyoti policy?

For a ₹5 Lakh Sum Assured under Bima Jyoti Plan 760 with a 20-year term, the guaranteed maturity value is exactly ₹10,00,000. This includes ₹5,00,000 (Sum Assured) + ₹5,00,000 (Guaranteed Additions at ₹50/1000 × 500 × 20 years). There is no terminal bonus, so the maturity amount is 100% guaranteed from day one.

Guaranteed vs Bonus-Based Plans

Feature	Bima Jyoti (760)	Jeevan Anand (715)	Jeevan Labh (736)
Return Type	Guaranteed	Variable (Bonus)	Variable (Bonus)
Addition Rate	₹50/1000 SA (fixed)	₹44/1000 SA (2026)	₹54/1000 SA (2026)
Terminal Bonus	❌ None	✅ ₹720/1000 SA	✅ ₹800/1000 SA
Typical XIRR	4.5% - 5.0%	5.2% - 5.7%	5.8% - 6.2%
Best For	Risk-averse savers	Balanced savings	Higher returns

Understanding Guaranteed Additions in Bima Jyoti

Unlike traditional LIC plans where reversionary bonuses are declared annually by LIC's valuation team and can vary from year to year, Bima Jyoti uses a Guaranteed Addition model. This means the addition of ₹50 per ₹1,000 Sum Assured is fixed from the policy inception date and cannot be reduced by LIC in future years.

The trade-off is that there is no terminal (final additional) bonus. In traditional plans like Jeevan Anand, the terminal bonus can add ₹720 per ₹1,000 SA — a significant lump sum. Bima Jyoti trades this upside potential for downside protection, making it ideal for conservative investors who want predictable, guaranteed outcomes.

Step-by-Step Example: ₹5 Lakh Bima Jyoti

Example: 30-year-old, ₹5L SA, 20-year term

Sum Assured: ₹5,00,000
Guaranteed Addition per Year: ₹50 × 500 = ₹25,000
Total GA over 20 years: ₹25,000 × 20 = ₹5,00,000
Guaranteed Maturity: ₹5,00,000 + ₹5,00,000 = ₹10,00,000
No terminal bonus — this amount is 100% certain

हिं

एलआईसी बीमा ज्योति प्लान 760 कैलकुलेटर — LIC Bima Jyoti in Hindi

एलआईसी बीमा ज्योति प्लान 760 (LIC Bima Jyoti Plan 760) एक गारंटीड एडिशन योजना है। इसमें हर साल ₹50 प्रति ₹1,000 बीमा राशि की गारंटीड एडिशन मिलती है — यह राशि LIC द्वारा कम नहीं की जा सकती। उदाहरण: ₹5 लाख बीमा राशि पर 20 साल में कुल गारंटीड एडिशन = ₹5,00,000। मैच्युरिटी = ₹5L + ₹5L = ₹10,00,000 (100% गारंटीड)। यह प्लान उन निवेशकों के लिए सबसे उपयुक्त है जो अनिश्चितता से बचना चाहते हैं और गारंटीड रिटर्न पसंद करते हैं।

•गारंटीड एडिशन: ₹50 प्रति ₹1,000 बीमा राशि (हर वर्ष)
•कोई टर्मिनल बोनस नहीं — सभी लाभ गारंटीड
•पॉलिसी अवधि: 15, 17, या 20 वर्ष
•टैक्स लाभ: 80C + 10(10D) के तहत कर-मुक्त

संबंधित खोज (Related Searches):

बीमा ज्योति कैलकुलेटरएलआईसी 760 प्लानगारंटीड रिटर्न प्लानबीमा ज्योति मैच्युरिटी

Frequently Asked Questions

LIC Bima Jyoti (Plan 760) is a non-linked, non-participating endowment plan with Guaranteed Additions. Unlike traditional plans where bonus rates are declared annually and can vary, Bima Jyoti guarantees a fixed addition of ₹50 per ₹1,000 Sum Assured every year. There is no terminal bonus, but the guaranteed nature eliminates uncertainty about future returns.

Maturity Value = Sum Assured + Guaranteed Additions (₹50 per ₹1,000 SA × Term in years). For example, a ₹5 Lakh SA with a 20-year term: Maturity = ₹5,00,000 + (₹50 × 500 × 20) = ₹5,00,000 + ₹5,00,000 = ₹10,00,000. There is no additional terminal bonus.

Bima Jyoti offers single premium and limited premium paying options. The policy terms available are 15, 17, and 20 years. The premium paying term is the same as the policy term for regular premium options.

The minimum entry age is 1 year (completed). The maximum entry age varies by term: 55 years for 15-year term, 53 years for 17-year term, and 50 years for 20-year term. Maximum maturity age is 70 years.

Bima Jyoti offers completely guaranteed returns with no variability, making it ideal for risk-averse investors. Jeevan Anand typically offers higher total returns (5.5% XIRR vs 4.8% for Bima Jyoti) but the bonus rates can vary year to year. If you prioritize certainty over maximizing returns, Bima Jyoti is the better choice.

Yes, the maturity amount including all guaranteed additions is fully tax-exempt under Section 10(10D), provided the annual premium does not exceed 10% of the Sum Assured. Premiums qualify for Section 80C deduction up to ₹1.5 Lakhs per year.

Yes, surrender is available after completing 2 full years of premium payments. However, the surrender value will be lower than total premiums paid in early years. The guaranteed surrender value factors are applied to premiums paid and guaranteed additions accrued till date.

In case of death during the policy term, the death benefit is: Sum Assured on Death (highest of 125% of basic SA, 7× annual premium, or 105% of total premiums paid) + Accrued Guaranteed Additions till date of death.