LIC Maturity Calculator: Online FREE TOOL

Free,LIC Maturity Calculator : 2026 How to Easily Estimate Your Policy Returns

Are you an LIC policyholder wondering how much you’ll get when your policy matures? Or perhaps you’re planning to buy a new LIC endowment plan and want a clear idea of future returns? A free online ,LIC Maturity Calculator is the perfect web tool to help you get quick, estimated answers without visiting a branch or agent.

In this guide, we’ll explain what an LIC maturity calculator is, how to use it step-by-step, and why it’s useful for English-speaking users worldwide. We’ll also cover the latest bonus trends for 2026 to help you make informed decisions.

What is an LIC Maturity Calculator?

An LIC Maturity Calculator is a simple, free online web tool that estimates the total amount you’ll receive at the end of your policy term. It factors in:

• Sum Assured (basic coverage amount)
• Policy Term and Premium Paying Term (PPT)
• Reversionary Bonuses (annual bonuses added by LIC)
• Final Additional Bonus (FAB) (one-time bonus for long-term policies)

These calculators use the latest declared bonus rates (from LIC’s 2025 valuation, applicable for 2026 maturities) to provide realistic estimates. Note: Results are indicative only – actual amounts depend on future bonuses and policy terms. Always verify with your LIC branch for exact figures.

Why Use a Free LIC Maturity Calculator?

• Instant Results: No waiting for agents or manual calculations.
• Plan Better: Compare different plans, terms, or sum assured amounts.
• Transparent: See breakdowns of bonuses, total premiums paid, and net returns.
• Free & No Login Required: Many tools are 100% free and anonymous.
• Updated for 2026: Good calculators incorporate the latest changes, like higher bonuses for Sum Assured ≥ ₹5 Lakh.

Step-by-Step: How to Use the LIC Maturity Calculator

Using the tool is straightforward. Here’s a simple guide (based on popular free calculators like the one you shared or sites like liccalculators.net):

1. Visit a Reliable Calculator:
   
   • Search for “Free LIC Maturity Calculator 2026” or use direct links to trusted tools.
   • Example: Open the lic maturity calculator you have – it’s a complete standalone calculator!
2. Select Policy Category:
   
   • Choose from options like Endowment Plans, Money Back Plans, Whole Life, etc.
3. Pick Your Plan Name:
   
   • Popular ones: New Jeevan Anand (915), Jeevan Labh (936), etc.
   • The tool will list valid plans based on category.
4. Enter Basic Details Using Sliders:
   
   • Entry Age: Slide to your age (e.g., 30 years).
   • Policy Term: Choose duration (e.g., 20 years).
   • Sum Assured: Select amount (e.g., ₹5 Lakh or more for better bonuses).
   • Premium Paying Term (PPT): Usually matches or is less than term.
5. Click “Calculate Maturity Amount”:
   
   • Wait a second – results appear instantly!
   • You’ll see:
     
     • Estimated Maturity Amount
     • Total Premiums Paid
     • Accrued Bonus + Final Additional Bonus
     • Net Profit & Expected IRR (return rate)
6. Review & Reset:
   
   • Adjust sliders to compare scenarios.
   • Hit “Reset” to start over.

Pro Tip: For higher returns in 2026, opt for Sum Assured ≥ ₹5 Lakh – many plans now get +₹1 per ₹1,000 extra bonus!

Latest LIC Bonus Rates (2025 Valuation for 2026)

LIC’s bonuses are declared annually. The 2025 valuation introduced higher rates for larger policies:

• Simple Reversionary Bonus: ₹40–₹50 per ₹1,000 Sum Assured (higher for longer terms and SA ≥ ₹5 Lakh).
• Final Additional Bonus (FAB): One-time at maturity (for terms ≥15 years), up to ₹3,000+ per ₹1,000 for long terms.

These are estimates – actual bonuses vary by plan and performance.

Important Disclaimer

This web tool provides estimated calculations based on current bonus rates. Final maturity may differ due to future declarations, riders, or taxes. Consult your LIC policy document or branch for precise details. It’s not financial advice.

Final Thoughts

A free LIC Maturity Calculator empowers you to take control of your financial planning. Whether you’re checking an existing policy or exploring new ones, it’s quick, easy, and insightful.

Try it today – just open the calculator page, input your details, and see your potential returns! If you have questions, feel free to comment below.

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