LIC Bima Ratna Plan 764 Calculator 2026

Calculate guaranteed money back payouts with fixed additions up to ₹60/1000 SA. Limited premium payment, periodic survival benefits. Updated for 2026.

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Bima Ratna Parameters

Proposer's Age (उम्र)30 Years

5 Years55 Years

Policy Term / Premium Paying Term (PPT)

Sum Assured (बीमा राशि - न्यूनतम 5 लाख)₹5,00,000

₹5,00,000₹1,00,00,000

💡 Guaranteed Payouts + Money Back: Bima Ratna (Plan 764) pays 25% of Sum Assured at the end of years 18 and 19. On maturity, you get the remaining 50% Sum Assured + high Guaranteed Additions (accruing up to ₹60/1K SA annually).

Benefits & Cash Flows

Premium (16 Yrs)

₹50,683/Yr

Money Back (2 Payouts)

₹1,25,000

Total Estimated Payouts

₹10.63 Lakh

XIRR Return

2.61%

Total Premiums Paid:₹7,76,000

Survival Money Back (End of Yrs 18 & 19):₹2,50,000

Maturity Payout at Year 20:₹8,12,500

Remaining Sum Assured (50%):₹2,50,000

Accrued Guaranteed Additions:₹5,62,500

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.

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LIC Bima Ratna Calculator

Use this tool to calculate your estimated LIC Bima Ratna returns, money-back payouts, and premium schedules. This calculator requires JavaScript to function.

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What are the guaranteed payouts for a 5 Lakh Bima Ratna policy?

For a ₹5 Lakh Sum Assured under Bima Ratna Plan 764 with a 20-year term: You receive ₹1,25,000 (25% of SA) at the end of Year 18 and Year 19. On maturity (Year 20), you receive ₹2,50,000 (50% of SA) + ₹5,62,500 (accrued Guaranteed Additions). Total guaranteed payout: ₹10,62,500.

Guaranteed Money Back Timeline (₹5L SA, 20-year term)

End of Year 18

₹1.25L

25% of SA

End of Year 19

₹1.25L

25% of SA

End of Year 20

₹8.125L

50% SA + GA

Total Guaranteed Payout: ₹10,62,500

Including ₹5,62,500 in Guaranteed Additions (₹50/1K SA for 5 yrs, ₹55/1K SA for 5 yrs, ₹60/1K SA for 10 yrs)

Bima Ratna vs Other Money Back Plans

LIC Bima Ratna Plan 764 vs other money back plans comparison
Feature	Bima Ratna (764)	Money Back 720	Bima Jyoti (760)
Returns	Guaranteed	Variable (Bonus)	Guaranteed
Money Back	✅ Every 5 years	✅ Every 5 years	❌ No money back
Addition Rate	₹55/1000 SA	₹39/1000 SA (bonus)	₹50/1000 SA
Premium Paying	Limited (12-15 yrs)	Limited (15-20 yrs)	Full term

How Does LIC Bima Ratna Work?

LIC Bima Ratna (Plan 764) combines the best of two worlds: guaranteed additions for predictable returns and periodic money back payouts for liquidity. It's designed for individuals who want certainty of returns while also needing access to funds at regular intervals.

The plan operates with a limited premium paying term, meaning you pay premiums for only 12 years (for a 20-year policy) or 15 years (for a 25-year policy). After the PPT ends, the policy continues without any further premium payments, and you continue to receive money back payouts and accumulate guaranteed additions until maturity.

Tax Benefits of Bima Ratna

All premiums qualify for Section 80C tax deduction (up to ₹1.5L/year). Both the periodic money back survival benefits and the final maturity payout are fully tax-exempt under Section 10(10D). This dual tax advantage makes Bima Ratna an efficient investment for taxpayers in the 20% and 30% slabs.

हिं

एलआईसी बीमा रत्न प्लान 764 कैलकुलेटर — LIC Bima Ratna in Hindi

एलआईसी बीमा रत्न प्लान 764 (LIC Bima Ratna Plan 764) एक गारंटीड मनी बैक योजना है। इसमें हर 5 साल में बीमा राशि का 25% गारंटीड मनी बैक मिलता है, साथ ही ₹55 प्रति ₹1,000 बीमा राशि की गारंटीड एडिशन हर साल जुड़ती है। यह एक लिमिटेड प्रीमियम प्लान है — 20 साल की पॉलिसी में सिर्फ 12 साल तक प्रीमियम देना होता है। शेष 8 साल बिना किसी भुगतान के पॉलिसी जारी रहती है। उदाहरण (₹5 लाख SA, 20 वर्ष): 5वें, 10वें, 15वें वर्ष में ₹1.25 लाख मिलता है, और 20वें वर्ष में ₹6.75 लाख (25% SA + सभी गारंटीड एडिशन)। कुल गारंटीड राशि: ₹10,50,000।

•गारंटीड एडिशन: ₹55 प्रति ₹1,000 बीमा राशि (हर वर्ष)
•मनी बैक: हर 5 साल में 25% बीमा राशि
•प्रीमियम भुगतान अवधि: 12 या 15 वर्ष (लिमिटेड)
•सभी लाभ 100% गारंटीड और कर-मुक्त

संबंधित खोज (Related Searches):

बीमा रत्न कैलकुलेटरएलआईसी 764 प्लानगारंटीड मनी बैकबीमा रत्न मैच्युरिटी

LIC Plan-wise Bonus Rates 2026Read article →Is LIC Maturity Taxable? Section 10(10D)Read article →

Frequently Asked Questions

LIC Bima Ratna is a non-linked, non-participating, limited premium, individual life insurance plan with Guaranteed Additions and Guaranteed Money Back payouts. It combines the safety of guaranteed returns with periodic liquidity through money back payments at specific intervals.

Bima Ratna provides guaranteed survival benefits during the policy term. For the 20-year term option, you receive 25% of Sum Assured at the end of years 18 and 19, with the remaining 50% + Guaranteed Additions paid at maturity (year 20).

Bima Ratna provides guaranteed additions that increase over time: ₹50 per ₹1,000 SA for years 1-5, ₹55 per ₹1,000 SA for years 6-10, and ₹60 per ₹1,000 SA from year 11 onwards.

Bima Ratna is a limited premium plan. For the 15-year policy term, the PPT is 11 years. For the 20-year term, it is 16 years. For the 25-year term, it is 21 years.

The minimum entry age is 5 years (completed). The maximum entry age is 55 years. The minimum Sum Assured is ₹5,00,000.

Bima Ratna offers guaranteed additions (fixed up to ₹60/1K SA) while the traditional Money Back plan (720/721) offers variable reversionary bonuses + terminal bonus. Bima Ratna gives certainty of returns; Money Back plans may have variable rates.

Yes, all guaranteed money back survival benefits and the final maturity payout are completely tax-exempt under Section 10(10D), provided the annual premium does not exceed 10% of the Sum Assured. Premiums qualify for 80C deduction.

The death benefit is: Sum Assured on Death (125% of basic SA or 7× annualized premium or 105% of total premiums, whichever is highest) + Accrued Guaranteed Additions. Any survival benefits already paid are NOT deducted from the death claim.