LIC Money Back Plan Calculator 2026
Calculate premium payment terms, periodic survival payouts, final maturity values, and XIRR returns for Plan 720 and Plan 721. Updated for 2026.
What is the maturity value of a 5 Lakh Money Back policy in LIC?
For a ₹5 Lakh Sum Assured under the 20-Year Money Back Plan (Plan 720) with a premium of ₹38,000/year (for 15 years), you receive ₹1,00,000 at the end of the 5th, 10th, and 15th years. On maturity at year 20, you receive ₹6,40,000 (including ₹3.9L reversionary bonus and ₹50k terminal bonus). Total benefit payout is ₹9,40,000.
How to Evaluate an LIC Money Back Policy
LIC Money Back plans are popular among savers who want intermediate liquidity to cover life events like children's school admissions or home renovations. Unlike endowment policies where all cash is locked until the end, these plans release cash at 5-year intervals.
The XIRR yield of Money Back plans averages around **4.8% to 5.2%** p.a. tax-free. Because capital is returned early, the overall compounding yield is slightly lower than static endowment plans (like Jeevan Labh), but the intermediate liquidity compensates for this difference.
एलआईसी मनी बैक प्लान 720 और 721 कैलकुलेटर — LIC Money Back in Hindi
एलआईसी मनी बैक पॉलिसी (LIC Money Back Policy) 2026. यह योजना उन लोगों के लिए सर्वोत्तम है जो पॉलिसी अवधि के दौरान अंतरिम तरलता (Intermediate Liquidity) चाहते हैं।\n\n20 साल के प्लान (720) में, प्रत्येक 5वें, 10वें और 15वें वर्ष के अंत में सम एश्योर्ड का 20% मनी बैक के रूप में दिया जाता है। 20वें वर्ष (मैच्युरिटी) पर शेष 40% राशि के साथ संचित बोनस का भुगतान किया जाता है। 25 साल के प्लान (721) में 15% की दर से 4 बार मनी बैक भुगतान मिलता है। ये सभी भुगतान पूर्णतः कर-मुक्त होते हैं।