🛡️ Table No. 860 • Endowment • Guaranteed Return
LIC Bima Jyoti Calculator
Guaranteed ₹50 per ₹1000 Sum Assured Every Single Year. Check exact yearly, half-yearly, and monthly premiums with 2026 bonus estimations.
30 Years
₹ 5,00,000
LIC Bima Jyoti RETURNS
Projected Total Maturity / Payout
₹ 0
Total Premiums Paid (Over PPT)
Net Profit / Bonus Gain
₹ 0
1st Year Premium (+ 4.5% GST)
₹ 0
Renewal Premium (+ 2.25% GST)
₹ 0
Guaranteed Life Cover (Death Benefit)
₹ 0
Daily Savings Required
₹ 0/day
| Basic Sum Assured | ₹ 0 |
| Simple Reversionary Bonus (SRB) | ₹ 0 |
| Final Additional Bonus (FAB) | ₹ 0 |
| Guaranteed Additions (if applicable) | ₹ 0 |
| Periodic Survival Benefits Paid | ₹ 0 |
| Estimated Total Value | ₹ 0 |
RENEWAL PREMIUM IN ALL PAYMENT MODES
Yearly
₹ 0
+2.25% GST
Half-Yr
₹ 0
+2.25% GST
Quarterly
₹ 0
+2.25% GST
Monthly
₹ 0
+2.25% GST
Investment vs Returns Distribution
Life Cover & Surrender Value Accumulation
| Year | Age | Annual Premium | Cumulative Invested | Normal Life Cover | Accidental Cover | Surrender Value | Eligible Loan (90%) |
|---|
About LIC Bima Jyoti (Table No. 860)
Non-linked, non-participating plan providing guaranteed additions of ₹50 per ₹1,000 basic sum assured at the end of each policy year.
Key Plan Highlights
- Guaranteed Addition of ₹50 per ₹1,000 SA accrued annually
- Short PPT (5 years less than policy term)
- Zero market risk - 100% fixed return commitment
- Tax-free guaranteed maturity
Eligibility Criteria
- Minimum Entry Age: 18 Years
- Maximum Entry Age: 60 Years
- Minimum Basic Sum Assured: ₹ 1,00,000
- Maximum Basic Sum Assured: No Upper Limit (subject to underwriting)
Tax Benefits & Liquidity
- Section 80C: Premiums eligible for tax deduction up to ₹1,50,000/year.
- Section 10(10D): 100% tax-free maturity and death claims.
- Policy Loan: Available after paying 2 full years of premiums.
- Surrender Value: Guaranteed surrender value acquires after 2 years.
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Periodic survival payouts
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Helpful Policy Tools for this Plan
Estimate cash surrender values, loan eligibility, or compare side-by-side.
Frequently Asked Questions about LIC Bima Jyoti
Get quick answers to the most common questions regarding LIC Bima Jyoti (Table 860) premiums, bonus rates, and maturity.
Q1: What are the Guaranteed Additions in LIC Bima Jyoti (860)?
⌄
LIC Bima Jyoti provides a fixed Guaranteed Addition of ₹50 per thousand basic sum assured added at the end of each policy year throughout the policy term.
Q2: Are the returns in Bima Jyoti affected by market volatility or LIC profits?
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No. Unlike participating plans where bonuses vary based on annual valuation, Bima Jyoti's ₹50/1000 SA addition is legally guaranteed in the policy document.
Q3: What is the Premium Paying Term (PPT) for Bima Jyoti?
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The PPT is 5 years less than the policy term (e.g., Term 15 has PPT 10; Term 20 has PPT 15).
Q4: What is the minimum Sum Assured for Bima Jyoti?
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The minimum Basic Sum Assured is ₹1,00,000, with no upper limit subject to underwriting.