LIC Jeevan Labh Plan 736 Calculator 2026

Calculate premium paying terms, accrued reversionary bonuses, terminal payouts, and XIRR returns for the high-bonus Limited Endowment Plan 736. Updated for 2026.

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Jeevan Labh Parameters

Proposer's Age (उम्र)30 Years

8 Years59 Years

Policy Term / Premium Paying Term

Sum Assured (बीमा राशि)₹5,00,000

₹2,00,000₹50,00,000

💡 High Bonus plan: Jeevan Labh features one of LIC's highest reversionary bonus rates (₹54/1000). You pay premiums for a shorter duration while the capital compounds for the full term.

Returns Illustration

Premium (15 Yrs)

₹32,656/Yr

Total Premiums Paid

₹4,68,750

Estimated Maturity Benefit

₹11.92 Lakh

XIRR Return

6.6%

Guaranteed Sum Assured:₹5,00,000

Reversionary Bonus (Plan 736):₹5,67,000

Terminal Payout:₹1,25,000

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 Jeevan Labh Calculator

Use this tool to calculate your estimated LIC Jeevan Labh maturity value, bonuses, and limited premium schedules. This calculator requires JavaScript to function.

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What is the maturity value of 2 Lakhs sum assured in LIC Jeevan Labh?

For a ₹2 Lakh Sum Assured under Jeevan Labh Plan 736 with a 25-year term (pay for 16 years) and proposer age of 30, the annual premium is ₹9,300. The total premiums paid will be ₹1,48,800. On maturity, the policyholder receives ₹5,60,000 (including ₹2.7L reversionary bonus and ₹90k terminal bonus), returning a compound yield of 6.12% (XIRR).

LIC Jeevan Labh (Plan 736) — Historical Bonus Rates

Official LIC bonus rates declared per ₹1,000 Sum Assured.

LIC Jeevan Labh Plan 736 historical bonus rates table
Year	Reversionary Bonus Rate (per ₹1,000 SA)	Terminal Bonus Rate (per ₹1,000 SA)
2026	₹54 per ₹1,000	₹450 per ₹1,000
2025	₹54 per ₹1,000	₹450 per ₹1,000
2024	₹54 per ₹1,000	₹410 per ₹1,000
2023	₹52 per ₹1,000	₹380 per ₹1,000
2022	₹52 per ₹1,000	₹350 per ₹1,000

Why Jeevan Labh is Ideal for Long-term Wealth Building

LIC Jeevan Labh Plan 736 is a non-linked, participating endowment plan. It provides high bonus rates combined with limited premium terms. Because you stop paying premiums early, you don't have to worry about cash flows in the final years of your policy. The accrued bonuses compound inside the fund for the full term. For example, reaching a ₹5,40,000 maturity amount is highly achievable with standard premium inputs due to its rapid bonus compounding.

Among LIC's traditional policies, Plan 736 offers the highest historical yield. For a 25-year term, typical XIRR yields average around **6.0% to 6.3%** p.a. tax-free, which is extremely competitive compared to taxable fixed income schemes. However, if you want your life cover to continue even after maturity, you should compare this with the LIC Jeevan Anand Calculator.

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एलआईसी जीवन लाभ प्लान 736 कैलकुलेटर — LIC Jeevan Labh in Hindi

एलआईसी जीवन लाभ प्लान 736 (LIC Jeevan Labh Plan 736) एक सीमित प्रीमियम भुगतान योजना है। इसमें पॉलिसीधारक को चुनी गई पॉलिसी अवधि से कम वर्षों के लिए प्रीमियम का भुगतान करना होता है।\n\nउदाहरण के लिए, 25 साल के टर्म पर केवल 16 साल प्रीमियम चुकाना होता है। ₹5 लाख की बीमा राशि के लिए वार्षिक प्रीमियम लगभग ₹23,200 होगा और 25 साल पूरे होने पर मिलने वाली कुल मैच्युरिटी राशि लगभग ₹14,00,000 होगी। इसका मुख्य कारण इसका उच्च घोषित बोनस दर (₹54 प्रति ₹1,000) है।

LIC Jeevan Labh Plan 736 ReturnsRead article →Jeevan Labh vs Jeevan Anand ComparisonRead article →

Frequently Asked Questions

Jeevan Labh is a limited premium paying plan, which means you pay premiums for fewer years than the total duration of the policy cover. There are three fixed term options: (1) Pay for 10 years for a 16-year cover, (2) Pay for 15 years for a 21-year cover, or (3) Pay for 16 years for a 25-year cover. The cash compounds for the remaining gap years until maturity.

The minimum entry age for Jeevan Labh Plan 736 is 8 completed years. The maximum entry age depends on the chosen term: 59 years for a 16-year term, 54 years for a 21-year term, and 50 years for a 25-year term.

Jeevan Labh features one of LIC's highest bonus rates (declared at ₹54 per ₹1,000 Sum Assured in 2026). Because the premium paying term is shorter, LIC accumulates premiums faster and earns a longer compounding run in its investment portfolio, allowing it to declare higher reversionary bonuses.

In the event of the policyholder's death during the policy term, the nominee receives: Sum Assured on Death (105% of total premiums paid or 7 times the annual premium or basic Sum Assured, whichever is highest) + Accrued Reversionary Bonuses + Terminal Bonus.

Yes, a policy loan is available after paying premiums for at least 2 full years. You can borrow up to 90% of the surrender value for in-force policies. The current interest rate is approximately 9.5% p.a.

The minimum Sum Assured you can select is ₹2,00,000. There is no upper limit on the maximum Sum Assured, subject to underwriter rules and verification of proposer income.

Yes, maturity benefits are completely exempt from tax under Section 10(10D) if the annual premium in any year does not exceed 10% of the basic Sum Assured. For policies bought after April 2023, the aggregate premium across all traditional policies must also be below ₹5 Lakhs per year to remain tax-free.

Yes, after completing 2 full years of premium payments. However, surrendering early will lead to severe capital losses. For example, surrendering in Year 3 or 4 returns only 30% to 50% of your total paid premiums.