Premium LIC Return Calculator – Accurate IRR & Benefits 2026
As a trusted LIC Agent, I help you understand the real value of your LIC Endowment, Money Back, Jeevan Anand, Child Plan or Whole Life policy. Calculate accurate IRR with bonus, survival benefits & maturity – 100% free & transparent.
LIC / Endowment Policy IRR Calculator (2026)
Why LIC Policies Are Still One of the Best Choices in 2026
Guaranteed Returns + Bonus
LIC gives guaranteed Sum Assured + simple & reversionary bonus – safety first.
Life Cover + Savings
High sum assured protection for family + wealth creation in one plan.
Tax Benefits
Premium on 80C deduction, maturity tax-free under 10(10D) – double benefit.
Loan Facility
Policy surrender value par loan milta hai – emergency mein help.
Survival Benefits
Money Back plans mein term ke dauran regular payouts – liquidity.
Government Backing
LIC India – trusted by crores since 1956, zero default risk.
How This LIC IRR Calculator Works
As an LIC agent, I use this tool daily to show clients the real value of their policy:
- Premiums → Negative cashflow
- Survival benefits (money back) → Positive during term
- Maturity + Vested Bonus + FAB → Big positive at end
IRR woh rate hai jahan sab cashflows ka present value zero hota hai. Typical LIC endowment plans mein IRR 5–8% ke range mein aata hai – safety + insurance cover ke saath yeh bohot strong option hai.
Frequently Asked Questions – LIC Policies & IRR
LIC policy ka real return kaise pata kare?
Bonus, FAB aur maturity sab milakar IRR se pata chalta hai. Yeh calculator aapke exact premium, term aur bonus rate se real return nikal deta hai.
Maturity amount blank chhod sakta hoon?
Haan bilkul – blank chhodne par typical LIC bonus (40-55 per thousand SA/year) ke hisab se auto-estimate ho jata hai.
Bonus rate kitna daalna chahiye?
Recent LIC policies mein vested bonus 42–55 per ₹1000 SA per year ke beech hota hai. Default 45 rakha hai – apni policy ke latest bonus rate daal sakte ho.
Kya LIC maturity tax-free hoti hai?
Haan, Section 10(10D) ke under LIC maturity amount tax-free hoti hai (conditions apply jaise premium SA ka 10% se kam ho).
LIC policy mein loan facility kaise milti hai?
Policy surrender value par 80–90% tak loan mil jata hai – interest bhi bahut reasonable hota hai aur policy continue rehti hai.
Want Personalized LIC Policy Advice?
As a certified LIC Agent in Kota, I help you choose the right plan, calculate real returns & get maximum benefits. Free consultation available.
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