LIC Bima Jyot Calculator

December 6, 2025 • 3 min read • lic calculator

LIC Bima Jyoti Calculator – Estimate Guaranteed Returns & Benefits

LIC’s Bima Jyoti (Plan 760) is a guaranteed return, non-linked, savings-oriented life insurance plan. With the Bima Jyoti Calculator, you can easily estimate your premium, guaranteed additions, maturity benefit, and death benefit based on your age, sum assured, and policy term.

LIC’s Bima Jyoti (Plan 760) Calculator

Guaranteed Savings Plan with Limited Premium Payment

Min: 18 years, Max: 50 Years, Maturity: 65 yrs
Choose 15 or 20 years
Range: ₹1.25 Lakh to ₹25 Lakh (Multiples of ₹25k)
Auto: Policy Term – 5 Years
Choose your payment frequency
Age + Policy Term (Max 65)
Note: This plan offers guaranteed additions @ ₹50 per ₹1000 SA per year for the entire policy term. Premium calculations are based on official LIC rates. GST rates (4.5% 1st Year, 2.25% thereafter) are as per current regulations.

PREMIUM OPTIONS (with GST)

Bima Jyoti guaranteed savings plan prepared for you.

Yearly

₹11,008
Base+Rebate: ₹10,535
GST (4.5%): ₹473
Total: ₹11,008

Half Yearly

₹5,662
Base+Rebate: ₹5,418
GST (4.5%): ₹244
Total: ₹5,662

Quarterly

₹2,882
Base+Rebate: ₹2,758
GST (4.5%): ₹124
Total: ₹2,882

Monthly (eNACH)

₹967
Base+Rebate: ₹925
GST (4.5%): ₹42
Total: ₹967
Premium includes mode rebates & GST. First Year GST: 4.5%, Second Year onwards: 2.25%. SA above ₹3L gets additional rebate.

PLAN DETAILS

Basic Sum Assured (BSA):₹1,25,000
Age at Entry:30 Years
Policy Term (PT):20 Years
Premium Paying Term (PPT):15 Years
Guaranteed Addition (per year):₹6,250
Total Guaranteed Addition:₹1,25,000
Death Benefit (125% SA + GA):₹2,81,250
Selected Payment Mode:Yearly
Key Features: Guaranteed additions @ ₹50 per ₹1000 SA every year. Limited premium payment (PT-5 years). Loan and surrender available after 1 year. Optional riders available. Tax benefits u/s 80C & 10(10)D.

GUARANTEED BENEFITS (100% Assured)

Maturity Benefit

₹2,50,000
Basic Sum Assured + Total Guaranteed Additions (received at maturity if policy is in force)

Death Benefit

₹2,81,250
125% of Sum Assured + Guaranteed Additions accrued till date (payable to nominee)
Death claim can be taken as lump sum or in installments over 5/10/15 years with interest as per LIC’s decision.

Year-wise Guaranteed Benefits (Illustrative)

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Year Age Cumulative Premium (₹) Guaranteed Addition (₹) Total GA (₹) Death Benefit (₹) Maturity (₹)

All values are guaranteed by LIC. Premiums include GST. Guaranteed Surrender Value available after 1st year premium payment. Loan facility available.

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This tool helps you understand how much you need to invest and what guaranteed benefits you will receive—making financial planning simpler and more transparent.

What the Calculator Shows:

  • Annual, quarterly, monthly premium amounts
  • Total premium payable during the policy
  • Guaranteed Additions (₹50 per ₹1,000 Sum Assured)
  • Maturity benefit with guaranteed returns
  • Death benefit as per LIC guidelines

Plan confidently with the LIC Bima Jyoti (Plan 760) Calculator and get a clear picture of your long-term guaranteed savings.

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