LIC Dhan Rekha (Plan 863) – Zero Market Risk Savings
LIC Dhan Rekha (Plan 863) is ideal for risk-averse investors who want to know exactly what they will receive at maturity — no surprises, no market dependency.
How Guaranteed Additions Work
Instead of variable bonuses, Dhan Rekha offers Guaranteed Loyalty Additions of ₹55 per ₹1,000 SA per year. This is fixed and declared upfront — you know your maturity amount from Day 1!
PPT and Term Options
| PPT | Policy Term | GA Rate |
|---|---|---|
| 5 years | 15 years | ₹55/1000/yr |
| 8 years | 20 years | ₹55/1000/yr |
| 10 years | 30 years | ₹55/1000/yr |
Maturity Calculation Example
₹10L SA, 30-year term, PPT 10yr: Guaranteed Addition = ₹55 × 1000 × 30 = ₹1,65,000 per ₹1L SA × 10 = ₹16,50,000 GA. Total Maturity = ₹10L SA + ₹16.5L GA = ₹26.5L. You know this from Day 1!
Who Should Buy?
Conservative investors, government employees, retirees, and anyone who prefers certainty over potentially higher but variable returns. Also good for NRI investors who want guaranteed rupee-denominated returns.
Comparison with FD
30-year FD: Rates keep changing (currently 6.5-7%). FD maturity: Unknown today. Dhan Rekha: ₹26.5L guaranteed from Day 1. FD needs renewal every 1-5 years at uncertain rates. Dhan Rekha needs no renewal.
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