LIC Jeevan Anand Calculator 2026 India
LIC Jeevan Anand Calculator helps you estimate maturity amount, total bonus, surrender value, and annual premium for LIC’s popular with-profits endowment plans. Whether you hold LIC Jeevan Anand policy 149, 815, or 915, our tool gives approximate returns based on current bonus rates. Perfect for policyholders and investors looking to evaluate LIC jeevan anand returns before maturity.
Jeevan Anand Maturity & Surrender Calculator
Estimated Annual Premium
Total Bonus (Vested)
Maturity Amount (SA + Bonus)
Surrender Value (Estimate)
How LIC Jeevan Anand Bonus & Maturity is Calculated (2026 Guide)
LIC Jeevan Anand is a non-linked, with-profits endowment plan that provides a lump sum on maturity along with life cover. The maturity amount = Sum Assured + vested Simple Reversionary Bonuses + Final Additional Bonus (if declared). Using our LIC Jeevan Anand maturity calculator, you can simulate returns for popular variants like plan 149, plan 815 (New Jeevan Anand), and plan 915. The calculation depends on the declared bonus rate per thousand sum assured, which historically ranges between ₹44 to ₹50. For 2026, we apply conservative bonus assumptions.
✅ Key Components in Jeevan Anand Calculator
- Sum Assured: Basic cover selected at policy inception.
- Vested Bonus: Simple Reversionary Bonus (SRB) accumulated each year and added to maturity.
- Loyalty Addition (FAB): Extra amount paid for policies completing 15+ years.
- Premium Paying Term (PPT): Jeevan Anand usually has PPT = term – 5 (for Table 815) or term – 3 (149). Lower PPT reduces premium burden.
- Surrender Value: If policy discontinued after 3 years, guaranteed surrender value or special surrender value applies.
🧮 Bonus Rate Table (Illustrative for 2026)
| LIC Plan | Plan Code | Bonus Rate (per ₹1000 SA/year) | Loyalty Addition (Typical) |
|---|---|---|---|
| Jeevan Anand (Classic) | 149 | ₹48 – ₹50 | ₹20-₹35 per 1000 SA (Term ≥20) |
| New Jeevan Anand | 815 | ₹46 – ₹48 | ₹15-₹30 per 1000 SA |
| Jeevan Anand (Limited Pay) | 915 | ₹44 – ₹46 | ₹10-₹25 per 1000 SA |
Our calculator uses average rates: Table 149 (₹48), 815 (₹46), 915 (₹44) per ₹1000 SA p.a. Loyalty addition is added as 2% of SA if term ≥15 years, else zero. This gives accurate maturity estimation for lic jeevan anand maturity calculator needs.
Surrender Value Calculation & Loan Eligibility
If you need to exit the policy early, the LIC Jeevan Anand surrender value calculator estimates the amount you can receive. For policies in force for at least 3 years, special surrender value is higher than guaranteed surrender value. We compute approximate special surrender value as: (Total premiums paid excluding taxes) × Surrender Value Factor. The factor ranges from 40% (early years) up to 85% near maturity. Our tool applies a dynamic factor based on years paid / policy term. Moreover, LIC Jeevan Anand loan calculator shows you can borrow up to 90% of surrender value — perfect for liquidity planning.
Step-by-Step: How to Use the LIC Jeevan Anand Premium & Maturity Calculator
- Select the correct plan: 149 (older), 815 (new jeevan anand), or 915.
- Enter your Sum Assured (minimum ₹50,000, usually in multiples).
- Provide Policy Term (10-35 years) and Premium Paying Term (shorter than term).
- Input age at entry and the number of years premiums already paid (for surrender).
- Click “Calculate Now” to see estimated annual premium, total bonus, maturity corpus, and surrender value.
- Analyze returns and compare with expected lic jeevan anand returns calculator outcomes.
Pro tip: For new policies, use Table 815 – New Jeevan Anand offers competitive bonuses and better survival benefits. Check lic new jeevan anand maturity calculator results by setting term 20 or 25 years.
Exclusive: Jeevan Anand Maturity Example (Plan 815, ₹5 Lakh SA, 20-Year Term)
Let’s assume you purchased LIC New Jeevan Anand (815) with Sum Assured ₹5,00,000, Policy Term 20 years, PPT 15 years. Bonus rate ₹46/1000 SA/year → total bonus = (500000/1000)×46×20 = ₹4,60,000. Add Loyalty Addition @2% SA = ₹10,000. Maturity = ₹5,00,000 + ₹4,60,000 + ₹10,000 = ₹9,70,000. Annual premium approx ₹24,500. Our calculator gives you dynamic results with lic jeevan anand plan 815 maturity calculator accuracy. Also surrender after 10 years yields ~ ₹1,55,000 as per standard factor. Use the tool above to customise your numbers.
📊 Quick Comparison: 149 vs 815 vs 915 for Jeevan Anand
| Feature | Plan 149 (Classic) | Plan 815 (New Jeevan Anand) | Plan 915 (Limited Pay) |
|---|---|---|---|
| Premium Paying Term | Policy Term – 3 years | Policy Term – 5 years | 5 to 10 years less than term |
| Bonus Rate Trend | Moderate (48-50) | Stable (46-48) | Slightly lower (44-46) |
| Maturity Benefits | SA + Bonus + FAB | SA + Bonus + FAB + Accidental Benefit | SA + Bonus + FAB |
| Best For | Traditional buyers | Young investors (2026 onwards) | High sum assured, shorter payment |
For accurate lic jeevan anand 149 maturity calculator or lic jeevan anand 915 premium calculator, just select plan code in our calculator above.
Frequently Asked Questions – LIC Jeevan Anand
Bonus is declared per ₹1000 sum assured annually. Multiply (SA/1000) × bonus rate × number of years premiums paid. Simple reversionary bonuses accumulate and are paid at maturity.
Approximately 50-60% of total premiums paid, but depends on sum assured and plan. Use our surrender value calculator for precise estimate.
Yes, TotalCalcHub provides a 2026 updated calculator for plan 149, 815, and 915. It factors bonus rates and loyalty additions for accurate results.
Plan 815 (New Jeevan Anand) has a shorter premium paying term (term-5), additional accidental benefit, and competitive bonus rates. It’s more flexible for today’s investors.
Maturity proceeds are tax-free under Section 10(10D) subject to premium conditions. Our calculator only estimates returns, not tax advice.
Loan up to 90% of surrender value is available. Use our surrender estimate and multiply by 0.9.
Minimum term is 10 years, maximum 35 years. The premium paying term varies by plan type.
Important Disclaimer
TotalCalcHub’s LIC Jeevan Anand calculator provides estimates based on historical bonus rates and assumed factors (₹44-₹48 per thousand SA). Actual bonuses are declared annually by LIC and may vary. Surrender values are indicative. For exact figures, refer to your policy bond or contact LIC branch. Updated for 2026 general guidelines. No professional financial advice.