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LIC Jeevan Saral Calculator

Estimate your total maturity amount, reversionary bonus, and final additional bonus. Compare tax-free LIC policy yields with taxable FDs. Updated for 2026.

All LIC Plans CoveredBonus Rates Updated 2026PDF Report Download100% Free & Independent
Configure Policy Details
₹5,00,000
₹50,000₹50,00,000
20 Years
10 Years35 Years
₹25,000
₹2,000₹2,00,000
Payout & Returns Summary
Premiums Paid
₹5,00,000
Total Accrued Bonus
₹5,40,000
Total Maturity Value
₹10.40 Lakh
XIRR (Returns)
6.55%
Sum AssuredReversionaryTerminal
⚖️ LIC vs Bank Fixed Deposit (FD)

Compare LIC maturity payout returns with what you would get by investing the same amount annually into a bank FD.

LIC Policy Return10(10D) Tax-Free
₹10,40,000

Calculated at 6.55% XIRR yield. Payout is completely tax-free under section 10(10D) for policies bought before April 2023.

Bank FD Returns (Net of Tax)Taxable Interest
₹8,73,607

Calculated at 6.5% interest rate, assuming 30% tax slab deduction. Gross FD maturity before tax is ₹10,33,724.

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.

Compare Term Plans
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What is the maturity amount for an LIC policy of 5 Lakhs?

For a ₹5 Lakh Sum Assured with a 20-year term and a base premium of ₹25,000/year, the estimated maturity amount is ₹13,00,000 (including reversionary bonus at ₹44/1000 and terminal bonus at ₹720/1000). This returns an annualized XIRR of approximately 5.61%.

LIC Jeevan Saral (Plan 165) — Historical Bonus Rates

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

LIC Jeevan Saral Plan 165 historical bonus rates table
YearReversionary Bonus Rate (per ₹1,000 SA)Terminal Bonus Rate (per ₹1,000 SA)
2026₹44 per ₹1,000₹720 per ₹1,000
2025₹44 per ₹1,000₹720 per ₹1,000
2024₹44 per ₹1,000₹680 per ₹1,000
2023₹42 per ₹1,000₹650 per ₹1,000
2022₹42 per ₹1,000₹600 per ₹1,000

How is LIC Maturity Payout Calculated?

The maturity calculation of traditional endowment policies is divided into three parts:

Maturity Value = Sum Assured + Reversionary Bonus + Terminal Bonus

  • Sum Assured: The guaranteed basic life cover chosen at policy inception.
  • Accrued Reversionary Bonus: Declared annually by LIC. Example: For a rate of ₹44 per ₹1,000 Sum Assured, a ₹5 Lakh policy earns ₹22,000 every year, accumulating to ₹4,40,000 over 20 years.
  • Terminal Bonus: Final Additional Bonus (FAB) paid once at maturity. At ₹720 per ₹1,000 Sum Assured, the terminal bonus adds ₹3,60,000.

Unlike mutual funds, traditional insurance plans offer lower risk and steady capital appreciation. However, policyholders should calculate their IRR (Internal Rate of Return) to assess if the policy keeps pace with inflation.

एलआईसी मैच्युरिटी कैलकुलेटर 2026 — LIC Jeevan Saral Calculator in Hindi

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एलआईसी मैच्युरिटी कैलकुलेटर — LIC Jeevan Saral Calculator in Hindi

एलआईसी मैच्युरिटी कैलकुलेटर (LIC Jeevan Saral Calculator) 2026. अपने पॉलिसी का मैच्युरिटी वैल्यू चेक करने के लिए सम एश्योर्ड (बीमा राशि), टर्म (पॉलिसी अवधि) और प्रीमियम डालें। उदाहरण के लिए, ₹5 लाख की पॉलिसी पर 20 साल के टर्म में ₹44/1000 के वार्षिक बोनस के साथ लगभग ₹13,00,000 की कुल मैच्युरिटी राशि मिलती है।\n\nLIC मैच्युरिटी का लाभ धारा 10(10D) के तहत पूर्णतः टैक्स-फ्री होता है, यदि वार्षिक प्रीमियम सम एश्योर्ड के 10% से अधिक न हो। पीडीएफ रिपोर्ट डाउनलोड करने के लिए ऊपर दिए गए डाउनलोड बटन का उपयोग करें।

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Frequently Asked Questions

LIC maturity amount = Sum Assured + Simple Reversionary Bonus + Final Additional Bonus (FAB). Yeh teeno values aapke policy term aur LIC ke declared bonus rates par depend karti hain.
The maturity amount of a traditional LIC policy is calculated as: Maturity Amount = Sum Assured + Accumulated Reversionary Bonuses + Final Additional (Terminal) Bonus. Reversionary bonuses accrue annually based on rates declared by LIC. The terminal bonus is a one-time payout added at the time of maturity or death, depending on the policy term and performance.
For 2026, reversionary bonus rates for major endowment plans like LIC New Jeevan Anand (Plan 715) range from ₹40 to ₹48 per ₹1,000 Sum Assured, depending on the policy term. Limited premium plans like Jeevan Labh (Plan 736) earn higher bonuses, up to ₹54 per ₹1,000 Sum Assured. Guaranteed addition plans like Bima Jyoti (Plan 760) offer a fixed rate of ₹50 per ₹1,000 Sum Assured every year.
Under Section 10(10D), the maturity payout is fully tax-exempt if the annual premium does not exceed 10% of the Sum Assured. However, for policies purchased on or after April 1, 2023, the maturity amount is taxable as "income from other sources" if the aggregate annual premium across all traditional policies exceeds ₹5,000,000.
XIRR (Extended Internal Rate of Return) represents the annual compound interest earned on all premiums paid. Because premiums are paid annually (outflows) and maturity is paid as a single lump sum (inflow) after several years, XIRR is calculated using numerical solver cash flows. Traditional LIC endowment plans typically yield an XIRR of 5.2% to 5.8%.
A Final Additional Bonus (Terminal Bonus) is a one-time bonus paid by LIC on policies that run for a minimum duration (usually 15 years or more). It is not accrued annually but paid directly at maturity or death. It acts as a reward for long-term policyholders and increases significantly with longer policy terms.
Yes, you can register on the official LIC Customer Portal (licindia.in) and add your policy number. Once verified, you can view your policy status, premium due dates, accrued reversionary bonuses, and estimated maturity date. Note that third-party calculator tools cannot fetch actual live policy balances due to security protocols.
If you surrender your policy before completing 2 full years, you receive no payout. If you surrender after 2 years, you receive the higher of the Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV). Surrendering early generally results in a significant financial loss, often returning only 30% to 50% of the total premiums paid.
Fixed Deposits (FD) currently offer higher nominal interest rates (6.5% to 7.1%) than LIC traditional returns (5% to 6%). However, FD interest is fully taxable every year, whereas LIC maturity is tax-free under Section 10(10D) (if eligible). For individuals in the 30% tax bracket, the post-tax return of a 6.5% FD is around 4.5%, which makes LIC slightly more attractive on a tax-adjusted basis, though FD provides much higher liquidity.
Third-party calculators cannot access your specific policy data. To check the exact maturity amount linked to your policy number, log in to the official LIC Customer Portal at licindia.in or use the LIC ANANDA app. For estimation purposes, use our calculator by entering your Sum Assured, term, and premium values from your policy bond document.
After 20 years (if 20 is your policy term), the policy matures and LIC pays the full maturity value: Sum Assured + all accrued Reversionary Bonuses + Terminal Bonus. For a ₹5 Lakh policy with a 20-year term, the estimated maturity is approximately ₹13 Lakh (at current bonus rates). The policy then ends unless it is a Whole Life plan like Jeevan Anand, where life cover continues.
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