🗓️Last Updated: June 2026

LIC Premium Payment Online 2026 — Pay in 2 Minutes, No Login Required

How to pay your LIC insurance premium online — using the LIC Quick Pay option (no login required), UPI apps like PhonePe/GPay, net banking, or debit/credit card. Also covers setting up auto-debit so you never miss a premium.

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Verified by NagrikIQ Research Team
Sources: Official .gov.in portals only · Updated June 2026
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🔗LIC Online Premium Payment — Official Portal →

📋 Overview

LIC premiums can be paid through multiple online channels — all free and available 24×7. The easiest option is 'Quick Pay' at licindia.in — no login, no registration needed. Just enter your policy number and date of birth. Payment methods accepted: UPI (PhonePe, Google Pay, Paytm, BHIM), Net Banking (all major banks), Debit/Credit card (Visa, Mastercard, RuPay), IMPS/NEFT. After payment, you receive an e-receipt immediately by email/SMS. You can also download it anytime from your licindia.in account. LIC provides a 30-day grace period for annual/half-yearly/quarterly premiums and 15 days for monthly premiums — but paying on time is recommended to avoid a lapsed policy.

✅ Eligibility

  • ✓Any LIC policyholder can pay premium online — no registration required for Quick Pay.
  • ✓For registered users, all linked policies can be paid from a single dashboard.
  • ✓Third parties (family members) can pay on behalf of a policyholder using Quick Pay.
  • ✓Premium can be paid up to 30 days before the due date online.

📁 Documents Required

▸Policy number (on policy bond or any premium receipt)
▸Date of birth of policyholder (for Quick Pay verification)
▸Payment method — UPI ID / net banking login / card details
▸Email or mobile to receive payment receipt

💰Fees & Processing Time

Fee
LIC does not charge any fee for online premium payment. Your bank may charge a small transaction fee for credit card payments (typically 1.5–2%).
Processing Time
Instant — premium is updated in LIC records within a few minutes. Receipt is issued immediately.

🖥️ How to Apply Online

  1. 1Method 1 — Quick Pay (no login): Go to licindia.in → Click 'Pay Premium Online' (on homepage) → Select 'Quick Pay'.
  2. 2Enter policy number and policyholder date of birth. Click 'Get Details' — premium amount and due date will appear.
  3. 3Select payment mode: UPI / Net Banking / Debit Card / Credit Card. Complete payment.
  4. 4Receipt (e-acknowledgement) is shown on screen — save it. You also receive an SMS/email confirmation.
  5. 5Method 2 — Logged-in payment: Login to licindia.in → 'Enrolled Policies' → Click on policy → 'Pay Premium'.
  6. 6Method 3 — Through UPI apps: Open PhonePe / Google Pay / Paytm → 'Insurance' or 'Bill Payment' → Select 'LIC' → Enter policy number → Pay.
  7. 7Method 4 — Set Auto-Debit (NACH): Login to licindia.in → Customer Portal → 'ECS/NACH' → Register your bank account for automatic premium debit on due date.

🏢 How to Apply Offline

  1. 1Cash payment at any LIC branch — take policy number and a cheque/cash.
  2. 2LIC Premium Point counters in select cities — extended hours, faster service.
  3. 3Cheque drop boxes at LIC branches — post-dated cheques accepted.
  4. 4SBI Bank branches — pay LIC premium at any SBI counter.
  5. 5India Post offices — accept LIC premium payments in many districts.

⚠️Common Problems & Solutions

✗Payment deducted from bank but LIC premium not updated
→Wait 24–48 hours — sometimes there is a delay in reconciliation. Check your policy status at licindia.in after 2 days. If still not updated, call LIC helpline 022-68276827 with your payment reference number (from bank statement) and policy number. LIC will manually update the payment. Keep your bank transaction screenshot/receipt as proof.
✗Quick Pay shows wrong premium amount
→The Quick Pay amount includes any overdue premiums + current premium. If your policy has past-due premiums (e.g., missed a previous installment), they will all be included. The breakdown is shown on screen before payment — verify and pay. If the amount looks wrong, call LIC helpline.
✗How to get duplicate premium receipt for 80C tax purposes
→Login to licindia.in → Customer Portal → 'Payment History' → select year → download receipts for all premiums paid. These PDFs are accepted by employers and for income tax filing. You can download receipts for past years going back 5 years.

❓ Frequently Asked Questions

Q.Can I pay LIC premium online without registering at licindia.in?

Yes — use the Quick Pay option at licindia.in. No login or registration is needed. Just enter your policy number and date of birth. The current premium amount is shown automatically. Pay via UPI, net banking, or card and receive an instant receipt. This is the easiest method for one-time payments.

Q.What happens if I miss the premium due date?

LIC provides a grace period: 30 days for annual/half-yearly/quarterly mode, 15 days for monthly mode. If you pay within the grace period, the policy remains in-force and no penalty applies. If you miss the grace period, the policy lapses — no insurance cover. You can revive within 5 years by paying all dues + interest.

Q.Is there a benefit to paying LIC premium annually vs monthly?

Yes — LIC charges a mode rebate for annual payment: typically 2% discount vs monthly mode. Monthly payments also have a small loading charge (about 2–3% extra). Paying annually saves money and reduces the risk of a lapsed policy due to missed monthly payments.

📞Helpline & Support

  • ▸LIC Helpline: 022-68276827 (8AM–8PM, Mon–Sat)
  • ▸WhatsApp: +91-8976862090
  • ▸Payment portal: licindia.in → Pay Premium Online
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Disclaimer: NagrikIQ is an informational platform and is not affiliated with any government department. Information provided is for guidance only. Always verify details on the official government portal before taking action.