LIC Policy Maturity Date Calculator 2026

Enter your policy commencement date and tenure to instantly calculate the exact maturity date, time remaining, and track elapsed policy progress. Updated for 2026.

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How do I find out when my LIC policy matures?

To find the maturity date, locate the Date of Commencement (DOC) and the Policy Term (years) on your policy bond paper. Add the term to the start date. For a policy commencing on May 1, 2010, with a 20-year term, the exact maturity date is May 1, 2030.

How to Track Your LIC Policy Maturity Timeline

Understanding your policy maturity timeline is essential to prepare your claim documents on time. LIC does not credit maturity proceeds automatically; policyholders must submit a discharge voucher along with their bank details to prevent delayed interest payouts.

Use our maturity countdown to keep track of elapsed years and ensure you gather your original bond papers, NEFT details, and cancelled cheques well ahead of the final maturity date.

हिं

एलआईसी पॉलिसी मैच्युरिटी डेट कैलकुलेटर — LIC Maturity Date in Hindi

एलआईसी मैच्युरिटी तिथि कैलकुलेटर (LIC Maturity Date Calculator) 2026. अपने पॉलिसी बांड पर लिखी शुरुआत तारीख (Date of Commencement) और पॉलिसी अवधि डालकर अपनी मैच्युरिटी तारीख का पता लगाएं।\n\nउदाहरण के लिए, यदि आपकी पॉलिसी 10 जनवरी 2012 को शुरू हुई थी और इसकी अवधि 15 वर्ष थी, तो इसकी परिपक्वता तिथि (Maturity Date) ठीक 10 जनवरी 2027 होगी। कैलकुलेटर आपको मैच्युरिटी में बचे कुल दिन, साल, महीने और पॉलिसी के अब तक पूरे हो चुके कार्यकाल का प्रतिशत भी दिखाता है।

Frequently Asked Questions

The maturity date is calculated by adding the policy term in years to the policy commencement date (start date). For example, if a policy commenced on January 1, 2020, with a term of 20 years, it will mature exactly on January 1, 2040.

The Date of Commencement (DOC) is the date on which the insurance risk cover begins. It is printed on the first page of your policy bond document. It may sometimes be backdated if the policyholder requested to start the policy from an earlier date to align with specific age benefits.

Yes. You can register on the official LIC Customer Portal (licindia.in) and add your policy number. The portal will display your policy status, commencement date, premium due dates, and the exact maturity date.

Upon maturity, the policyholder must submit the original policy document bond, a maturity discharge form (Form 3825), a NEFT bank mandate, and ID proof to their home branch. Once verified, LIC credits the maturity amount directly to the policyholder's bank account, and the risk cover terminates (except in plans like Jeevan Anand where lifetime cover continues).

While there is no strict deadline, it is recommended to submit claim papers at least 1 month before the maturity date. This allows LIC to process the payout and credit the funds exactly on the maturity date. Unclaimed amounts are eventually transferred to the Senior Citizen Welfare Fund after 10 years.

Backdating allows you to set the policy start date to an earlier date within the same financial year (e.g., commencing a policy in November but backdating it to April). This is usually done to secure a lower entry-age premium rate. Backdating shifts the maturity date earlier by the same duration.

Yes. The calculator uses JavaScript Date objects which automatically handle leap years, calculating the exact number of days remaining until the maturity date.

Once a policy has commenced, you cannot easily change the policy term. In rare cases, LIC permits shortening the policy term, but it involves paying extra conversion fees, restructuring the premium payments, and requires branch manager approval.

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