LIC Amritbaal Calculator

December 6, 2025 • 3 min read • lic calculator

LIC Amritbaal Calculator -LIC’s Amritbaal (Plan 774) Calculator

LIC’s Amritbaal (Plan 774) is a child-focused savings and protection plan designed to secure your child’s future through systematic savings and guaranteed benefits. With the LIC Amritbaal Calculator, you can easily estimate your premium amount, policy benefits, and maturity value based on the child’s age, policy term, and sum assured.

LIC’s Amritbaal (Plan 774) Calculator

Child Savings Plan with Guaranteed Additions

Min: 30 days, Max: 13 Years
Choose between 18 to 25 years
Auto: Maturity Age – Child’s Age
Choose 5, 6, or 7 years
Min: ₹2 Lakh, Multiples of ₹25k
Choose death benefit structure
Choose your payment frequency
Online purchase gets 10% rebate
Child Insurance Plan: LIC’s Amritbaal offers guaranteed additions @ ₹80 per ₹1000 SA every year. This plan secures your child’s future education and other needs with guaranteed returns. Premium calculations are based on official LIC rates.

PREMIUM OPTIONS (with GST)

Amritbaal child savings plan prepared for your child’s bright future.

Yearly

₹15,240
Base+Rebate: ₹14,580
GST (4.5%): ₹660
Total: ₹15,240

Half Yearly

₹7,785
Base+Rebate: ₹7,450
GST (4.5%): ₹335
Total: ₹7,785

Quarterly

₹3,960
Base+Rebate: ₹3,790
GST (4.5%): ₹170
Total: ₹3,960

Monthly (NACH)

₹1,333
Base+Rebate: ₹1,276
GST (4.5%): ₹57
Total: ₹1,333
Premium includes rebates & GST. First Year GST: 4.5%, Second Year onwards: 2.25%. High SA and Online rebates applied.

PLAN DETAILS

Child’s Current Age:5 Years
Maturity Age:21 Years
Policy Term:16 Years
Premium Paying Term (PPT):5 Years
Basic Sum Assured (BSA):₹2,00,000
Death Benefit Option:Option II
Guaranteed Addition (per year):₹16,000
Total Guaranteed Addition:₹2,56,000
Selected Payment Mode:Yearly
Key Features: Guaranteed additions @ ₹80 per ₹1000 SA every year. Limited premium payment. Death benefit options for flexibility. Optional Premium Waiver Rider available. Tax benefits u/s 80C & 10(10)D.

GUARANTEED BENEFITS (100% Assured)

Maturity Benefit

₹4,56,000
Basic Sum Assured + Total Guaranteed Additions (received at maturity age)

Death Benefit

₹6,06,000
As per selected option + Guaranteed Additions accrued till death (minimum 105% of premiums paid)
Death benefit payable to nominee as lump sum or in installments over 5/10/15 years. Settlement options available.

Year-wise Policy Details (Illustrative)

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

All values are guaranteed by LIC. Death benefit varies by selected option. Loan and surrender available after 1st year. Optional Premium Waiver Rider protects against proposer’s death.

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This calculator helps parents understand how much to invest and what returns they can expect, simplifying long-term financial planning for their child’s education, marriage, or future goals.

What the Calculator Helps You With:

  • Premium calculation (monthly, quarterly, yearly)
  • Total premium payable over the policy term
  • Guaranteed additions and maturity benefits
  • Death benefit as per LIC guidelines
  • Long-term savings projection for children

Plan smarter for your child’s future with the LIC Amritbaal (Plan 774) Calculator—easy, accurate, and reliable.

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