LIC Bonus Rates FY 2025-26
LIC declared bonus rates for Financial Year 2025-26 with improved rates and new SA-based slabs. Here are the complete bonus rates for all major plans.
Reversionary Bonus Rates (₹ per ₹1,000 SA per year)
| Plan | Plan No. | Bonus Rate | FAB |
|---|---|---|---|
| New Endowment | 914 | ₹45 | ₹750 |
| New Jeevan Anand | 915 | ₹48 | ₹850 |
| New Jeevan Labh | 936 | ₹54 | ₹1,000 |
| Jeevan Lakshya | 933 | ₹45 | ₹750 |
| Money Back 20yr | 920 | ₹35 | ₹500 |
| Money Back 25yr | 921 | ₹38 | ₹550 |
| Bima Shree | 948 | ₹50 | ₹900 |
| Jeevan Umang | 945 | ₹38 | — |
| Jeevan Tarun | 932 | ₹45 | ₹700 |
New SA-Based Bonus Slabs 2025-26
- SA ≥ ₹5 Lakhs: Extra ₹1 per ₹1,000 SA per year
- SA ≥ ₹10 Lakhs (Plan 936 only): Extra ₹2 per ₹1,000 SA per year
Final Addition Bonus (FAB)
FAB is paid only at maturity or death — not on surrender. It's a one-time amount added to the policy value at the end.
What Higher Bonus Means for You
For a ₹10L SA, 20-year endowment (Plan 914): Extra ₹1/1000/yr × 20 years × 1000 = ₹20,000 extra at maturity just from the new slab! Use our maturity calculator with updated 2025-26 rates.
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