Advanced Calculator
Detailed Projected Benefits
| Year | Fund Start | Growth | FMC Deduct | Mortality Deduct (Approx) | GA Add | Fund End | Death Benefit |
|---|
* Advanced year-wise simulation with approximate charges (FMC 1.35% p.a., mortality based on standard rates). Projections illustrative; actual market-linked, not guaranteed. Consult LIC for official details.
About Lic Nivesh plus returns calculator
This advanced calculator provides detailed year-wise projections, including charges and IRR, for more insights than standard tools.
Plan 849 withdrawn Oct 2024; Plan 749 current with similar features. Guaranteed Additions: 3% at yr 6, 4% at 10, 5% at 15, 6% at 20, 7% at 25.
Disclaimer: Independent tool, not affiliated with LIC. Use for planning; actual returns vary.
Lic Nivesh Plus Returns Calculator – Plan 749 & 849 Returns in 2026: In-Depth Guide & Advanced Calculator
January 2026 Update: LIC Nivesh Plus (Plan 749) is a top single-premium ULIP blending life cover with market-linked growth and guaranteed additions.
While sites like PolicyBazaar and Moneycontrol show basic maturity at 4%/8% returns, this guide uses our Lic Nivesh plus returns calculator for year-wise breakdowns, realistic charges, IRR, and latest fund data – more detailed than any competitor.
Key Features of Plan 749 (2026)
- Single Premium: Min ₹1.25 lakh.
- Term: 10-25 years.
- Sum Assured: 1.25x (higher age limit) or 10x premium.
- Guaranteed Additions (% of premium):
- Yr 6: 3% | Yr 10: 4% | Yr 15: 5% | Yr 20: 6% | Yr 25: 7%
- Funds & Latest Performance (as of Jan 5, 2026 – Moneycontrol):
- Growth Fund: 3-yr annualized 12.4%, 1-yr 11.7% (NAV ₹22.99)
- Secured Fund: 3-yr 10.0%
- Bond Fund: Lower risk ~6-7%
- Charges: Allocation 1.5-3.3%, FMC 1.35% p.a.
Tax-free maturity under 10(10D).
Realistic Returns Example (₹5 Lakh, Age 30, 15-Yr Term, Growth Fund ~10% net)
- Allocated: ~₹4.925 lakh (after charges)
- Guaranteed Additions: ₹90,000
- Projected Maturity: ₹18-22 lakh
- IRR: ~9.5-11%
- Net Gain: ₹13-17 lakh
Our tool shows exact year-wise growth, deductions, and death benefits – unlike simple end-value estimates elsewhere.
Why Our Calculator is Superior
- Year-by-year table + charges breakdown
- Fund-specific + online/offline options
- Accurate IRR
- Based on 2026 real performance (Growth Fund 12.4% 3-yr)
Ideal for long-term goals with insurance + upside.
Disclaimer: Market-linked; past performance (e.g., 12.4%) not guaranteed. Consult advisor/official LIC illustrations.
Try our Lic Nivesh plus returns calculator for personalized insights – the most comprehensive available!
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