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.
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%.
LIC Jeevan Labh (Plan 736) — Historical Bonus Rates
Official LIC bonus rates declared per ₹1,000 Sum Assured.
| 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.
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.
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।