LIC has made it easier to plan your future investments! You can estimate the possible returns from Systematic Investment Plans (SIP) or a one-time Lumpsum investment in LIC’s market-linked products, traditional plans, or ULIPs with the aid of our LIC SIP/Lumpsum Calculator.
This calculator offers geo-relevant insights on how your investments could grow over time, taking into account inflation, expected returns, and your individual financial goals, regardless of where you live—in Delhi, Mumbai, Bangalore, Chennai, or smaller towns.
LIC SIP / Lumpsum Calculator
Why Use the LIC SIP / Lumpsum Calculator?
- Fast & Precise Outcomes: For immediate computations, enter your amount, time frame, and anticipated return rate.
- Geo-Targeted Insights: Take inflation and the cost of living in your city (metro vs. non-metro) into account.
- Compare Lumpsum and SIP to determine which option is best for your financial circumstances.
- Retirement & Education Planning: Ideal for families preparing for their children’s postsecondary education or retirement funds.
Real-World Example
Case Study 1 – Metro City Investor (Mumbai)
- SIP Investment: ₹5,000 per month
- Duration: 15 years
- Expected Return: 10% (market-linked plan)
Result: At maturity, the value grows to ₹20.8 Lakhs, helping the investor cover rising education costs in metros.
Case Study 2 – Lumpsum Investor (Delhi)
- One-time Investment: ₹10 Lakhs
- Duration: 20 years
- Expected Return: 8%
Result: The corpus grows to ₹46.6 Lakhs, suitable for long-term retirement goals.
Expert Insights
“Systematic Investment Plans (SIPs) in LIC ULIPs or market-linked policies provide the discipline of monthly savings while harnessing the power of compounding. Lumpsum investments, on the other hand, are ideal for individuals who receive bonuses or windfall gains.” – Raghav Sharma, SEBI-Registered Financial Advisor
“For Indian families, SIP is usually better for salaried individuals in metros, while Lumpsum is more suitable for business owners who can deploy idle cash for long-term growth.” – Anjali Mehra, Wealth Strategist
Analysis & Market Data
- SIP inflows in India topped ₹20,000 crore per month, according to the AMFI (2025 report), demonstrating rising investor confidence.
- SIP investments have outperformed traditional fixed deposits over the last ten years, yielding average annual returns of 10–12%.
- With more than 25 crore policyholders nationwide, LIC remains the most reputable insurance and investment brand in India.
FAQs
SIP is a monthly contribution, while Lumpsum is a one-time bulk investment. SIP builds discipline, while Lumpsum benefits from market timing.
Yes, it works for both – though return rates vary (5–6% for traditional, 8–12% for ULIPs/market-linked).
Yes. SIP suits those with fixed monthly income, while Lumpsum is better for those with irregular cash inflows.
The calculator provides estimates based on assumed return rates. Real returns may vary depending on market conditions and LIC plan type.
Yes, investments in LIC plans may qualify for 80C deductions, reducing your taxable income.
Final Thoughts!
Use the LIC SIP/Lumpsum Calculator right now to plan for the future, evaluate potential outcomes, and select the best investment plan for your city and way of life.
With LIC, begin your path to financial independence right now!