LIC Maturity Calculator: Calculate LIC Plan Maturity Value Instantly (2025 Guide)

If you are planning your long-term savings with LIC, one of the most important things you want to know is the maturity value of your policy. The LIC Maturity Calculator helps you estimate your final payout, including guaranteed sum assured, bonuses, and additional benefits. It gives you a quick and clear picture of how much you’ll receive at the end of the policy term.

This tool saves time and helps you compare different LIC plans before investing. It works for most popular LIC plans such as Jeevan Labh, New Endowment Plan, Jeevan Anand, Jeevan Umang, Money Back Plans, and more.

What Is LIC Maturity Calculator?

The LIC Maturity Calculator is an online tool that estimates the final maturity value of your LIC policy. This calculators are calculates and estimated the total payout you will receive at the end of the policy term based on your premium, age, plan, and bonuses declared by LIC.

The calculator uses official LIC bonus trends and helps you to check the approximate return without needing an agent or visiting a branch.

Who Can Use This Calculator?

Hello friends, here we are seen that who can used this calculator .

• A running LIC policy
• A plan to buy a new LIC policy
• A need to compare multiple LIC plans
• A target maturity amount in mind for future financial goals

How LIC Maturity Calculator Works ?

The calculator asks for simple inputs like age, plan name, policy term, premium, and sum assured. Then it adds all components of maturity value:

1. Sum Assured (Guaranteed Amount)
2. Simple Reversionary Bonus (Yearly bonus declared by LIC)
3. Final Additional Bonus (FAB) – applied on maturity
4. Loyalty Addition – available in select plans

The final total gives you a complete picture of your policy’s maturity value.

Input Fields Required

Your calculator tool should collect the following details:

• Age of the policyholder
• LIC Plan Name
• Policy Term
• Premium Paying Term
• Sum Assured
• Payment Mode (Monthly, Quarterly, Half-Yearly, Yearly)
• Bonus Rate (Auto-filled based on plan)

Formula Used in LIC Maturity Calculator

1. Simple Reversionary Bonus Calculation

Bonus = Sum Assured × Bonus Rate × Policy Term

2. Final Additional Bonus (FAB)

FAB = Sum Assured × FAB Rate

(FAB rate varies by plan and term)

3. Total Maturity Value

Maturity Value = Sum Assured + Total Bonus + Final Additional Bonus + Loyalty Additions (if applicable)

Example Calculation

Suppose you choose LIC Jeevan Labh (936)

• Sum Assured: ₹5,00,000
• Policy Term: 25 years
• Bonus Rate: ₹45 per ₹1000 SA
• FAB: ₹450 per ₹1000 SA

Bonus = 5,00,000/1000 × 45 × 25 = 500 × 45 × 25 = ₹5,62,500

FAB = 500 × 450 = ₹2,25,000

Total Maturity = 5,00,000 + 5,62,500 + 2,25,000 = ₹12,87,500

This is the approximate maturity value shown by the calculator

Benefits of Using LIC Maturity Calculator

There are many Benefits of Using LIC Maturity Calculator Quickly to estimate within seconds :

• Helps compare multiple LIC policies
• No agent involvement
• Works on mobile, tablet, and desktop
• 100% free and accurate
• Useful for financial planning and retirement planning

Supported LIC Plans

Your calculator can support maturity value calculations for:

• LIC Jeevan Labh (936)
• LIC New Endowment Plan (914)
• LIC Jeevan Anand (915)
• LIC Jeevan Umang (945)
• LIC Tech Term & New Tech Term
• LIC Money Back Plans (920/921/922)
• LIC Child Plans
• LIC Bima Jyoti
• LIC Single Premium Plans

Why Maturity Value Is Important

Maturity amount defines how much you will receive at the end of your policy term. It helps you plan:

• Children education
• Marriage expenses
• Retirement savings
• Emergency fund
• Long-term wealth building

A clear estimate avoids surprises and gives confidence in your financial decisions.