LIC Return Calculator

Are you trying to find out the precise returns and maturity value of your LIC policy? You can quickly estimate your policy maturity, bonuses, and survival benefits with our LIC Return Calculator. This calculator provides you with a clear picture of your financial growth and anticipated payouts, regardless of whether you own a LIC Jeevan Anand, LIC Endowment, or LIC Term Plan with returns.

LIC Return Calculator

₹
₹
Used for Total Paid & IRR calculation.
Yrs
5 Yrs 50 Yrs
Assumes premium paying term equals policy term for IRR.
0 70
Used to estimate maturity for IRR calculation.
₹
Highly variable. Enter 0 if unsure.
Sum Assured ₹5,00,000
Est. Total Bonus ₹4,60,000
Est. Maturity Value ₹9,60,000
Total Premiums Paid (Approx.) ₹5,00,000
Annualized Return (IRR) 5.87%
Sum Assured
Est. Total Bonus
Disclaimer: This calculator provides simplified estimations for maturity & annualized return (IRR). Maturity assumes consistent bonus rates. IRR is calculated based on the estimated maturity value and assumes premiums are paid for the full policy term. It doesn’t account for Guaranteed Additions, Loyalty Additions, or specific plan features. Actual benefits & returns depend on LIC’s performance, declared rates, and exact policy terms. **Consult LIC or your agent for accurate illustrations.**

Why Use the LIC Return Calculator?

  • Instant Results – Get your LIC maturity value in just a few clicks.
  • Accurate Projections – Based on LIC’s latest bonus rates and policy structures.
  • Easy to Use – No complex formulas, just enter your premium, policy term, and age.
  • Better Planning – Compare policies and choose the one that maximizes your returns.

How It Works

  1. Enter your Policy Name (e.g., LIC New Jeevan Anand).
  2. Enter Premium Amount and Policy Term.
  3. Select Age of Policyholder.
  4. Click Calculate to get:
    • Maturity Value (Sum Assured + Bonus + Final Addition Bonus)
    • Survival Benefits (if applicable)
    • Internal Rate of Return (IRR %)

Real-World Example

Case 1: LIC New Endowment Plan

  • Age: 30 years
  • Policy Term: 25 years
  • Premium: ₹20,000 per year
  • Sum Assured: ₹5,00,000

Estimated Returns at Maturity:

  • Sum Assured: ₹5,00,000
  • Bonus (Average): ₹3,75,000
  • Final Addition Bonus: ₹50,000
  • Total Maturity Value: ₹9,25,000

That’s nearly 85% return over the invested amount.

Expert Opinion

“LIC policies remain a trusted long-term savings and protection tool for Indian families. Using a return calculator helps investors make informed decisions about maturity values and compare with other investment options like mutual funds or PPF.”
– Ramesh Gupta, Financial Advisor with 15+ years in Insurance & Wealth Planning

Analysis – LIC Returns vs. Alternatives

  • LIC Endowment Plans: IRR ~4%–6% (with life cover + guaranteed returns)
  • PPF: ~7.1% (tax-free, no insurance cover)
  • Equity Mutual Funds: 10%–12% (market-linked, no guarantee)

Conclusion: LIC is best for risk-averse investors who want stable returns + insurance cover.

Frequently Asked Questions (FAQs)

Is LIC Return Calculator free to use?

Yes, our LIC calculator is 100% free and available online.

Does the calculator include LIC bonuses?

Yes, it considers reversionary bonuses and final addition bonuses declared by LIC.

Are the results guaranteed?

The calculator provides estimates based on past LIC bonus trends. Actual payouts may vary depending on LIC’s declared rates.

Which LIC policies can I calculate returns for?

All major policies including Jeevan Anand, Endowment, Jeevan Labh, Jeevan Umang, and Money Back Plans.

How accurate is the calculator?

Our projections are based on real LIC data and industry analysis, making them reliable for financial planning.