LIC Maturity Calculator - How Much Will I Get at Maturity?
Calculate your LIC policy maturity amount with bonus. SA + Simple Reversionary Bonus + Final Additional Bonus explained with real examples.
The most common question from LIC policyholders: "Ajay ji, maturity pe kitna milega?"
The answer has three components:
**1. Sum Assured (SA)** The guaranteed base - what you will get minimum at maturity.
**2. Vested Simple Reversionary Bonus (SRB)** Declared annually by LIC. For FY2025: - Jeevan Anand (914): ₹48 per ₹1,000 SA per year - Jeevan Labh (936): ₹54 per ₹1,000 SA per year - Jeevan Umang (945): ₹55 per ₹1,000 SA per year
Formula: Bonus = (Bonus Rate ÷ 1000) × SA × Number of Years
**3. Final Additional Bonus (FAB)** One-time bonus paid at maturity (or death claim). Depends on plan and policy term. Ranges from ₹100 to ₹950 per ₹1,000 SA.
**Complete maturity formula:** Maturity = SA + (SRB × Years) + FAB
**Real example - Jeevan Anand (914):** - SA: ₹5,00,000 - Term: 20 years, Bonus rate: ₹48/1000 - SRB: ₹48 × 500 × 20 = ₹4,80,000 - FAB (approx): ₹1,00,000 - **Total maturity: ₹10,80,000**
**Use our calculator:** poddarwealth.com/calculators/maturity - enter plan, SA, term, age
Call 9415313434 for a personalised maturity illustration with your exact premium details.
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Ajay Kumar Poddar
Ajay Kumar Poddar is a veteran financial advisor with over 31 years of experience, a premier MDRT member, and a recipient of the LIC Chairman's Club award. He helps Gorakhpur families secure their future with absolute transparency and trust.
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