LIC’s Bima Shree Calculator Plan 748

December 6, 2025 • 3 min read • lic calculator

LIC Bima Shree Calculator Plan 748

LIC Bima Shree Calculator (Plan 748) is a high-value, guaranteed-return savings-cum-protection plan designed especially for individuals seeking strong benefits and financial security. With the Bima Shree Calculator, you can quickly estimate your premium, guaranteed additions, bonuses, maturity value, and death benefit based on your age, policy term, and sum assured.

LIC Bima Shree (748)

Money Back Plan with Guaranteed Additions for HNI

Min: 8 years, Max: 55 years (term-based)
Choose: 14, 16, 18, 20, 24, or 28 years
Min: ₹10,00,000 (₹1L multiples)
Auto: Policy Term – 4 years
Age + Policy Term (Max: 65 Years)
Choose your payment frequency
Money Back Plan for HNI: LIC’s Bima Shree 748 offers GUARANTEED ADDITIONS + PERIODIC SURVIVAL BENEFITS! Designed for High Net-worth Individuals with min BSA ₹10L. Get back 2 installments during policy term PLUS maturity benefit. Guaranteed Additions @ ₹50 per ₹1000 (first 5 years) & ₹55 per ₹1000 (6th year onwards) during PPT. Death benefit = Higher of (7x AP or 125% BSA). Perfect wealth accumulation plan!

PREMIUM OPTIONS (with GST & Rebates)

Limited premium payment for guaranteed money back benefits!

Yearly

₹73,950
Base+Rebate: ₹70,765
GST (4.5%): ₹3,185
Total: ₹73,950

Half Yearly

₹37,810
Base+Rebate: ₹36,180
GST (4.5%): ₹1,630
Total: ₹37,810

Quarterly

₹19,245
Base+Rebate: ₹18,415
GST (4.5%): ₹830
Total: ₹19,245

Monthly (NACH)

₹6,470
Base+Rebate: ₹6,190
GST (4.5%): ₹280
Total: ₹6,470
Premium includes mode & high SA rebates. First Year GST: 4.5%, Second Year onwards: 2.25%. Surrender value after 1 year (1 premium paid).

PLAN DETAILS

Entry Age:30 Years
Policy Term:20 Years
Premium Paying Term:16 Years (Term-4)
Maturity Age:50 Years
Basic Sum Assured:₹10,00,000
Death SA (Higher of 7x AP or 125% BSA):₹12,50,000
Total Guaranteed Additions (PPT):₹8,30,000
Annual Premium (Base):₹70,765
Guaranteed Benefits: Death Benefit = Higher of (7x Annual Premium or 125% BSA) + GA (Min 105% of premiums paid). Guaranteed Additions @ ₹50/₹1000 (Years 1-5) & ₹55/₹1000 (Year 6 onwards) during PPT. Loyalty additions based on corporation performance. Loan after 1 year. Tax benefits u/s 80C & 10(10)D.

SURVIVAL BENEFITS (Money Back)

💸 PERIODIC SURVIVAL PAYOUTS

Survival benefits are payable on specific policy anniversaries if life assured survives. Total Survival Benefits = ₹9,00,000 during policy term.

ESTIMATED BENEFITS (with Guaranteed Additions)

Maturity Benefit

₹9,30,000
Sum Assured on Maturity + Guaranteed Additions + Loyalty Additions (if any)

Death Benefit

₹21,30,000
Higher of (7x AP or 125% BSA) + Guaranteed Additions (Min 105% of premiums paid)
Note: All Guaranteed Additions are payable only during premium paying term. Loyalty additions are subject to corporation performance and not guaranteed. Death benefit never less than 105% of total premiums paid.

Year-wise Policy Details (Guaranteed)

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Year Age Cumulative Premium (₹) Annual GA (₹) Total GA (₹) Survival Benefit (₹) Death Benefit (₹)

Disclaimer: Guaranteed Additions @ ₹50 per ₹1000 BSA for first 5 years, ₹55 per ₹1000 from 6th year onwards during PPT only. Survival benefits paid on specified anniversaries based on policy term. Death benefit = Higher of (7x Annual Premium or 125% BSA) + Accrued GA, minimum 105% of premiums paid. Loyalty additions subject to corporation performance.

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This tool helps you understand your investment, long-term returns, and total benefits—making financial planning simple and accurate.

What the Calculator Provides:

  • Premium calculation (monthly, quarterly, yearly)
  • Guaranteed Additions as per plan rules
  • Estimated maturity benefit with bonuses
  • Death benefit under LIC guidelines
  • Long-term savings & return projection

Plan smart with the LIC Bima Shree (Plan 748) Calculator and get a clear picture of your premium and guaranteed returns.

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