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LIC Dhan Rekha Maturity Calculator
The LIC Dhan Rekha policy is a money-back plan that offers regular sums of money to policyholders. It also comes with guaranteed additions to the death and maturity benefits which increases the final amount that you are entitled to. The LIC Dhan Rekha maturity calculator will help you calculate this amount yourself before actually buying the policy.
Tax saving under Sec 80C & 10(10D)^
Guaranteed maturity with life cover for securing family's future
Sovereign guarantee as per Sec 37 of LIC Act
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- LIC Dhan Rekha Maturity Calculator
Maturity benefit is the amount you get at the end of the policy term if you survive the whole duration. Knowing this value will help you decide if the LIC Dhan Rekha plan is worth the premiums charged and if you can afford it.
What Is The LIC Dhan Rekha Maturity Calculator?
It is a LIC calculator that lets you calculate the maturity benefit amount using a set of factors. It also displays the premium amount against your desired sum assured. Here are the factors that the LIC premium and maturity calculator uses -
Factors Considered By the LIC Dhan Rekha Maturity Calculator
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Age
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Policy term
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Sum assured
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Premium paying term
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Type of premium payment
Based on the details that you fill in, the calculator arrives at a value. Therefore, every user gets a unique estimation as per their needs.
To fill in the above requirements, you need to be aware of the minimum and maximum eligibility conditions for LIC Dhan Rekha.
Eligibility Criteria of LIC Dhan Rekha
| Policy Term | 20 years | 30 years | 40 years |
| Minimum Entry Age | 8 years | 3 years | 90 days |
| Maximum Entry Age (Single Premium) | 60 years | 50 years | 40 years |
| Maximum Entry Age (Limited Premium) | 55 years | 45 years | 35 years |
| Minimum Maturity Age | 28 years | 33 years | 40 years |
| Maximum Maturity Age | Single-Premium - 80 years Limited Premium - 75 years |
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| Sum Assured | Minimum - Rs. 2 Lakhs Maximum - No limit |
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| Premium Paying Term | 10 years | 15 years | 20 years |
Sample Benefit Illustration Using the LIC Dhan Rekha Maturity Calculator
Here’s an example of how the calculator will use your details to give you the maturity benefit amount and the premium quote.
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Entry Age - 26 years
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Basic sum assured - Rs. 10 Lakhs
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Policy Term - 20 years
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Type of premium payment - Limited
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Premium paying term - 10 years
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Guaranteed addition from 6th year - Rs. 50 per Rs. 1000 sum assured
Calculated Benefits -
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Monthly premium - Rs. 8,754
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Total guaranteed addition after 20 years - ((50 x 10,00,000/1,000) x 15) - Rs. 7,50,000
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Survival Benefit -
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After 10 years - 10% of 10,00,000 - 1,00,000
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After 15 years - 10% of 10,00,000 - 1,00,000
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Maturity benefit - Sum assured plus guaranteed additions - 10,00,000 + 7,50,000 = 17,50,000
Lic Hub
The LIC of India offers an array of insurance and investment products to cater to the needs of a diverse range of customers. Let us take a look at the various types of plans offered by Life Insurance Corporation of India:
- Tax Saving
- Investment Plans
- Senior Citizens
- Kids Plan
- Women
LIC for TAX Saving:
Enjoy the dual benefit of tax deductions under Section 80C and comprehensive insurance coverage with LIC’s tax-saving policies.
Best LIC for Investment:
Explore LIC's top-performing plans, which provide the perfect blend of investment growth and insurance protection to achieve your financial aspirations.
LIC for Senior Citizens:
Ensure a peaceful and financially stable retirement with LIC plans offering guaranteed returns, life cover, and regular income options.
LIC for Kids:
Protect and plan your child’s education, marriage, and future goals with LIC’s specialized child insurance plans that combine savings and life cover.
LIC for Women:
LIC offers plans tailored for women, focusing on their unique needs. These plans include savings, life cover, and financial independence to secure a brighter future.
Why Should You Use The LIC Dhan Rekha Maturity Calculator?
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It helps with future financial planning.
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It gives information about the affordability of the plan.
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It can be used multiple times at no cost and from the comfort of your home.
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It offers personalized results as per the input of each user.
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It limits the chances of miscommunication by third parties.
LIC Resources
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LIC Online Services |
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FAQ's
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Q: How does Life Insurance Corporation calculate the maturity amount?
Ans: The exact value that a policyholder will get at the maturity of their LIC policy cannot be calculated, however, one can calculate a close estimate by the calculator. The basic formula that these calculators use to estimate the maturity amount is Sum Assured + Bonuses + Final Additional Bonus (if any). -
Q: Is the maturity amount taxable?
Ans: Yes, the maturity amount that a policyholder or his/her nominee gets from any insurer like LIC is taxable under section 10(10D) of the Income Tax Act, 1961. -
Q: How is the bonus calculated in LIC?
Ans: The basic formula that LIC uses to calculate bonus is Bonus Amount = Bonus Rate X (Sum Assured / 1000)
Different types of Plans
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
+Returns Since Inception of LIC Growth Fund
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
++Returns are 10 years returns of Nifty 100 Index benchmark
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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