LIC Maturity Calculator — LIC முதிர்வு தமிழில்

Jeevan Anand (₹5L, 20yr, 30yr): Premium ₹21K/yr. Maturity ₹8.5-10L.

LIC declared: ₹48 (endowment), ₹50 (Jeevan Anand)

Total Maturity Value

₹19.88L

Total Premiums Paid

₹11.00L

Net Gain

₹8.88L

Effective Return (CAGR)

3.00%

Maturity Breakup

Sum Assured₹10.00L
Simple Reversionary Bonus (₹48/1000 × 20 yrs)₹9.60L
Final Additional Bonus (₹28/1000)₹28,000
Total Maturity₹19.88L

FD alternative at 7% p.a. for 20 years

₹42.57L

LIC vs FD difference

₹-22,68,653

Bonus rates are indicative based on recent LIC declarations. Actual bonuses are declared annually and may vary. This calculator uses Simple Reversionary Bonus (SRB) + Final Additional Bonus (FAB) as per LIC policy structure. Maturity proceeds are tax-free under Section 10(10D) if premium ≤ 10% of SA.

Jeevan Anand (₹5L, 20yr, 30yr): Premium ₹21K/yr. Maturity ₹8.5-10L.

LIC: guaranteed maturity + bonus. Returns ~5-6%.

அடிக்கடி கேட்கப்படும் கேள்விகள்

Jeevan Anand?

Maturity + whole life + bonus.

LIC vs MF+Term?

LIC: 5-6%. Term+MF: 10-14%.

Surrender?

3yr premium: 30-50%.

Maturity tax?

10(10D): free if premium ≤10% SA.

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