LIC Maturity Calculator 2026 — See Exactly How Much Your Policy Will Pay

Estimate how much your LIC policy will pay at maturity — Sum Assured + accumulated bonuses + Final Addition Bonus. Results are estimates — actual bonus is declared by LIC annually.

Your Policy Details

Select Plan

New Endowment Plan (914)

Pay for full term. Maturity = SA + bonus + FAB.

Jeevan Anand (915)

Endowment + lifelong cover after maturity.

Jeevan Labh 16yr (936)

Pay 10 years only. Higher bonus rate.

Jeevan Labh 21yr (936)

Pay 15 years only. Higher bonus rate.

Jeevan Labh 25yr (936)

Pay 16 years only. Highest FAB.

Money Back 20yr (820)

20% SA paid at yrs 5, 10, 15. Rest at maturity.

Money Back 25yr (821)

15% SA paid at yrs 5,10,15,20. Rest at maturity.

Sum Assured

Policy Term20 years

1235 yrs

Estimated Maturity Amount

₹12.85 L

Sum Assured

₹5.00 L

Policy Term

20 years

Total Bonus (SRB)

₹4.60 L

Final Add. Bonus

₹3.25 L

Total Payout (Maturity + Survival Benefits)

₹12.85 L

Bonus Rate Used

SRB: ₹46/₹1,000 SA/yearFAB: ₹650/₹1,000 SA

ⓘ Based on LIC's 2024-25 bonus declaration. Actual bonus may vary. Add 4.5% GST to premium.

How LIC Maturity is Calculated

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Sum Assured

The guaranteed base amount — fixed when you buy the policy. Paid on death or maturity regardless of bonuses.

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Simple Reversionary Bonus (SRB)

Declared by LIC every year as ₹X per ₹1,000 SA. Accumulates year on year until maturity. Not paid in cash during the term.

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Final Addition Bonus (FAB)

One-time bonus added at maturity (or early death). Rewarded for keeping the policy until the end. Higher for longer terms.

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Total Maturity

Sum Assured + Cumulative SRB over all years + Final Addition Bonus. All tax-free under Section 10(10D) for most policies.

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