How to Check LIC Bonus Status and Accrued Bonus in 2026

LIC's participating policies (endowment, money-back, whole life) earn bonus every year. Understanding your bonus status helps you plan your finances and calculate your likely maturity amount.

## Types of Bonus in LIC

**1. Simple Reversionary Bonus (SRB)** Declared annually as a percentage of sum assured. For example, if SRB is Rs 40 per Rs 1000 SA, a Rs 10 lakh policy earns Rs 40,000 in bonus that year.

Current indicative SRB rates (2025-26, subject to official announcement): - Jeevan Anand (15-35 year term): Rs 44-46 per Rs 1000 SA - Jeevan Labh (936): Rs 48-52 per Rs 1000 SA - New Endowment: Rs 40-44 per Rs 1000 SA

**2. Final Additional Bonus (FAB)** Paid only once — at the year of maturity or death claim. Higher for longer-term policies and those with higher sum assured. Not declared every year.

**3. Interim Bonus** Paid on claims that arise between two bonus declaration dates.

## How to Check Your Bonus Online

**Method 1: LIC Portal** 1. Login to customer.onlineportal.licindia.in 2. Go to "Policy Details" 3. Under your policy, click "Accrued Bonus" 4. The portal shows accrued SRB as on the last valuation date

**Method 2: LIC Mobile App** Same process as portal — navigate to policy details → accrued bonus.

**Method 3: LIC Branch** Visit with policy number and ID proof. Ask for a "Benefit Illustration" — this shows year-wise bonus accrual and projected maturity value.

## When is Bonus Declared?

LIC declares SRB rates annually, typically in August-September (for the financial year ending March 31). The official announcement comes from LIC's actuarial department. Check licindia.in/bonus-rates for the latest.

## Practical Impact on Your Maturity

A 20-year endowment policy, Rs 10 lakh SA, started in 2006 and maturing in 2026: - Accumulated SRB at Rs 40/1000 for 20 years: Rs 8 lakh - FAB (approximate for 20-year endowment): Rs 1-2 lakh - Total maturity: Rs 10 lakh + Rs 9-10 lakh = **Rs 19-20 lakh**

This is why LIC endowment plans — though criticized for lower "IRR" — actually pay very well over long terms.

Check your accrued bonus by logging into the LIC portal, or call Ajay Kumar Poddar at 9415313434 for a free policy review.