Which LIC plan gives highest return?

Jeevan Labh (736) and Jeevan Lakshya (733) offer competitive returns due to limited premium paying terms and loyalty additions.

LIC Calculator – Premium & Maturity Calculator for All LIC Plans (2026)

📊 All-in-One Calculator

LIC Plan Calculator

Select your plan, enter details, and get instant premium & maturity estimates

Select LIC Plan *

Age (Years) * Age between 8 and 55 years

Gender

Sum Assured (₹) * Minimum ₹1,00,000

Policy Term (Years) *

Smoking Status

Optional Riders AD & DB RiderAccidental Death & Disability Benefit

Select a plan and enter your details to see premium & maturity estimates

📋 All LIC Plans

LIC Plan Calculators

Choose a plan to calculate premium, maturity amount & returns

🧮 Our Calculators

All LIC Calculators in One Place

Everything you need to plan your LIC insurance investment

💰

LIC Premium Calculator

Calculate exact premium for any LIC plan based on age, sum assured, policy term and payment mode.

Calculate Premium →

📈

LIC Maturity Calculator

Estimate maturity amount including sum assured, accrued bonus, and final additional bonus.

Calculate Maturity →

📊

LIC Return Calculator

Compare returns across plans. See CAGR and total returns on your LIC investment.

Calculate Returns →

🔄

Surrender Value Calculator

Calculate guaranteed and special surrender value if you want to exit your LIC policy early.

Calculate Surrender Value →

✨ Simple & Fast

How to Use LIC Calculator

Get your premium & maturity estimates in 3 simple steps

1

Select Your Plan

Choose from 13+ LIC plans including Jeevan Anand, New Endowment, Money Back & more

2

Enter Your Details

Fill in your age, sum assured, policy term, and optional riders

3

Get Instant Results

View premium for all modes, estimated maturity, bonus & returns

📚 Learn More

LIC Insurance Articles

Helpful guides and articles about LIC plans, premium & maturity

Plan Guide

LIC Jeevan Anand Plan 715 — Complete Guide with Premium & Maturity Calculator

Everything you need to know about LIC's most popular endowment plan with lifetime cover benefits.

How to Calculate LIC Maturity Amount — Step by Step Guide (2026)

Learn the formula behind LIC maturity calculation including bonus rates, FAB, and survival benefits.

LIC Jeevan Labh Plan 736 — Why It Gives the Highest Returns

Detailed analysis of Jeevan Labh's limited premium paying term and how it maximises your returns.

Frequently Asked Questions

Common questions about LIC premium, maturity & calculator

How to calculate LIC premium online?

To calculate LIC premium online, use our free LIC Premium Calculator. Select your plan (Jeevan Anand, New Endowment, etc.), enter your age, sum assured amount, and policy term. The calculator instantly shows premium for yearly, half-yearly, quarterly, and monthly payment modes including GST.

How is LIC maturity amount calculated?

LIC maturity amount = Sum Assured + Accrued Simple Reversionary Bonus + Final Additional Bonus (FAB). The bonus is declared annually by LIC. For example, for ₹10,00,000 SA with ₹50/1000 bonus rate for 20 years: Total bonus = ₹10,00,000. FAB is additional one-time bonus at maturity.

What is LIC bonus rate for 2026?

Approximate LIC bonus rates (per ₹1,000 SA): New Jeevan Anand (715) — ₹50, New Endowment (714) — ₹48, New Money Back 20yr (720) — ₹52, Jeevan Lakshya (733) — ₹46, Jeevan Labh (736) — ₹45, Jeevan Umang (745) — ₹45. Rates are declared annually by LIC and may change.

Which LIC plan gives highest maturity amount?

Jeevan Labh (736) and Jeevan Anand (715) typically offer highest maturity returns. Jeevan Labh has limited premium paying terms improving returns. Jeevan Anand provides life cover even after maturity. Use our Return Calculator to compare.

How does LIC Jeevan Anand maturity calculator work?

Jeevan Anand (715) maturity = SA + (₹50 × SA/1000 × Term) + FAB. For ₹10,00,000 SA, 20-year term: ≈ ₹10L + ₹10L bonus + FAB ≈ ₹22-24 Lakhs. Unique feature: life cover of SA continues even after receiving maturity amount.

What is GST on LIC premium?

GST on LIC premium: First year — 4.5% of premium, Renewal years — 2.25% of premium. This applies to traditional endowment and money back plans. Our calculator automatically includes GST in premium calculations.

Is this calculator affiliated with LIC of India?

No. LIC-Calculator.com is NOT affiliated with, endorsed by, or connected to LIC of India in any way. We provide approximate estimates for educational purposes only. For official rates and policy details, visit licindia.in.

Are the calculator results accurate?

Our calculator provides approximate estimates based on publicly available data. Results may differ from actual LIC values because exact premium rates are proprietary, bonus rates change annually, and individual underwriting factors apply. Always consult a LIC agent for exact quotes.

Important Disclaimer

Disclaimer — Please Read Carefully

LIC-Calculator.com provides approximate estimates for informational and educational purposes only.

Not Affiliated: This website is NOT affiliated with, endorsed by, or connected to the Life Insurance Corporation of India (LIC) in any way.
Approximate Values: All premium rates, maturity amounts, bonus rates, and calculations are approximate and may differ from actual LIC values.
No Financial Advice: This does not constitute financial, investment, or insurance advice. Consult a certified financial advisor before making decisions.
No Guarantee: We do not guarantee accuracy or completeness. Actual premiums and benefits are determined solely by LIC of India.
Official Source: For exact quotes visit licindia.in or contact your nearest LIC branch.

⚠️ By using this calculator, you acknowledge that results are estimates only. Read full disclaimer | Terms of Service | Privacy Policy

LIC Premium & Maturity Calculator