LIC Money Back Policy 20 Years Maturity Calculator 2026 Plan 820 · Table 75 & 179
LIC Money Back 20 Years – Maturity & Benefit Estimator
Annual Premium (est.)
Total Premiums Paid (20 yrs)
Survival Benefits (5th,10th,15th)
Maturity Payout (40% SA + Bonuses)
Total Money Received
Net Gain (Returns)
LIC Money Back Policy 20 Years – Benefit Timeline & Payout Structure
Under the standard 20-year money back plan (Plan 820 / Table 75 / 179), survival benefits are paid at regular intervals: 20% of Sum Assured each at the end of 5th, 10th and 15th policy year. At maturity (20 years), you receive the remaining 40% of Sum Assured + accrued Reversionary Bonuses + Final Additional Bonus (FAB).
| Policy Year | Benefit Type | % of Sum Assured | Additional Benefit |
|---|---|---|---|
| 5th Year | Survival Benefit | 20% | ₹0 (based on SA) |
| 10th Year | Survival Benefit | 20% | ₹0 |
| 15th Year | Survival Benefit | 20% | ₹0 |
| 20th Year (Maturity) | Maturity Amount | 40% + Bonuses | Accrued Reversionary Bonus + FAB |
How LIC Bonuses Work on 20-Year Money Back Plan
Reversionary Bonus is declared annually (per thousand sum assured) and is added throughout the policy term. Final Additional Bonus (FAB) is paid at maturity for policies with good performance. Our calculator uses typical 2026-friendly assumptions: Plan 820 (₹45 per thousand SA p.a. + FAB 10% of SA), Table 75 (₹42 per thousand + 8% FAB), Table 179 (₹38 per thousand + 6% FAB). Age-based premiums reflect LIC's standard rates for Money Back policies.
LIC Money Back Policy 20 Years: Maturity Calculator, Premium, and Returns (2026 Edition)
Are you planning to invest in LIC’s popular Money Back Policy with a 20-year term? Whether you're searching for the LIC money back policy 20 years maturity calculator to estimate your final corpus, or comparing Plan 820 vs old Table 75, this guide covers everything. Use our dynamic tool above to instantly calculate maturity amount, survival benefits, net gains, and approximate annual premiums. Updated for 2026 tax norms and expected bonus rates.
Key Features of LIC Money Back Policy (20-Year Term)
- Guaranteed survival benefits: 20% of SA at 5th, 10th, 15th year — ideal for periodic financial goals.
- Lump sum maturity: 40% of SA + Loyalty additions + vested bonuses.
- Risk cover: Life protection throughout the policy term.
- Tax benefits under Section 80C and 10(10D) for Indian residents.
Detailed Maturity Calculation for LIC Plan 820 / Table 75 & 179
Using our LIC money back policy 20 years maturity calculator, you can compare three popular versions. For a Sum Assured of ₹5,00,000 and age 32 (Plan 820): annual premium ~₹28,500, total premiums ~₹5,70,000. Survival benefits (20% each) = ₹1,00,000 received three times = ₹3,00,000. Maturity payout = ₹2,00,000 (40% of SA) + accrued bonus (approx ₹4,50,000 over 20 yrs at ₹45/thousand) + FAB ₹50,000 = ₹7,00,000. Total received = ₹10,00,000, net gain > ₹4,30,000. Table 75 yields slightly lower bonus but still attractive returns. Such calculations help policyholders estimate final corpus before committing.
LIC has maintained stable bonus rates for traditional plans. For 20-year money back policies, loyalty additions (FAB) for policies maturing in 2026 are expected between ₹15 to ₹20 per thousand sum assured. Our calculator uses realistic mid-range projections. Always refer to policy bond for guaranteed additions.
Premium Payment & IRR Estimates
The annual premium for LIC Money Back 20 years depends on sum assured, age, and plan type. For a 30-year-old, premium per ₹1,000 SA is approx ₹45–₹52. Total premiums paid are around 85%–95% of total benefits. Our tool offers age-sensitive premium calculation based on LIC's standard rate tables. The internal rate of return (IRR) for such plans typically ranges from 5.5%–6.2% pre-tax, combining survival liquidity and maturity corpus.
Who Should Opt for LIC 20-Year Money Back Policy?
This plan suits conservative investors looking for guaranteed periodic payouts (children's education, marriage, or loan repayment). It also provides a disciplined savings habit with insurance cover. Use the LIC old money back policy 20 years maturity calculator if you already hold an older Table 75/179 policy to track expected maturity value.
Step-by-Step: How to Use the LIC Money Back 20 Years Calculator
- Enter Sum Assured: Basic sum assured (minimum ₹1,00,000).
- Provide Age: Your current age (impacts annual premium).
- Choose Plan Type: Plan 820 (modern), Table 75 (classic), or Table 179.
- View instant results: Annual premium, total premium outflow, survival benefits, maturity amount, total received, and net gain.
- Use table for year-wise cashflow planning.
LIC Money Back 20 Years – Example Comparison Table
| Sum Assured (₹) | Plan 820 Maturity Amt (₹) | Table 75 Maturity Amt (₹) | Table 179 Maturity Amt (₹) |
|---|---|---|---|
| 3,00,000 | ~6,30,000 | ~5,85,000 | ~5,50,000 |
| 5,00,000 | ~10,50,000 | ~9,80,000 | ~9,20,000 |
| 7,00,000 | ~14,70,000 | ~13,72,000 | ~12,90,000 |
*Calculations include survival benefits + bonuses + FAB. Actual values depend on LIC's annual bonus declaration.
Frequently Asked Questions (LIC Money Back 20 Years)
Survival benefits are paid at the end of 5th, 10th, and 15th policy years – each equal to 20% of Basic Sum Assured. The final maturity at 20th year pays the balance 40% + bonuses.
Our calculator uses realistic reversionary bonus rates (₹38–₹45 per thousand SA) and final additional bonus as per recent LIC trends. It gives an estimated maturity value; actual may vary with LIC’s annual bonus declaration.
Yes, you can select "Table 75" or "Table 179" from the plan dropdown to get an approximate maturity value for your existing LIC old money back policy 20 years maturity estimate.
Yes, premiums paid are eligible for deduction under Section 80C up to ₹1.5 lakh per annum, and maturity proceeds are generally tax-free under Section 10(10D) subject to conditions.
Minimum sum assured is typically ₹1,00,000; there’s no upper limit, but medical underwriting applies for high sums.
No, bonuses are accrued on the full sum assured and paid only at maturity along with the final additional bonus.
Yes, after at least 2 full years' premiums, surrender value is payable. However, money back policies are best held till maturity for optimal returns.