LIC New Jeevan Labh Plan 936 – Best Returns in LIC

Why LIC New Jeevan Labh (Plan 936) Offers the Best Returns

LIC New Jeevan Labh (Plan 936) stands out as the highest bonus-paying endowment plan in LIC's portfolio. With a reversionary bonus of ₹54 per ₹1,000 SA per year — the highest among all LIC endowment plans — it offers superior long-term returns.

Key Features

• Type: Limited Premium Payment Endowment
• PPT Options: 10 years (16-yr policy), 15 years (21-yr policy), 16 years (25-yr policy)
• Age: 8 to 59 years
• Bonus: ₹54/1000 SA/yr — highest in LIC endowment plans
• FAB: ₹1,000/1000 SA — highest FAB in endowment category

Limited Premium Advantage

The biggest USP of Plan 936 is that you pay premium for fewer years but get coverage for longer. Pay for 10 years, covered for 16 years. This is great for people who want to finish premium payments early.

Extra Bonus Slab (2025-26)

For SA ≥ ₹5 Lakhs: Extra ₹1/1000/yr bonus. For SA ≥ ₹10 Lakhs: Extra ₹2/1000/yr bonus. This means higher SA gives proportionally better returns.

Maturity Example

For Age 30, ₹10L SA, PPT 10yr (16yr term): Total Premium ≈ ₹11.18L, Maturity ≈ ₹10L + ₹8.64L (bonus) + ₹1L (FAB) = ₹19.64L. Returns: +75.7% absolute. Use our Jeevan Labh calculator for your exact figures.

Conclusion

For investors who want maximum returns from LIC endowment plans, Plan 936 is the clear winner. The limited premium feature with high bonus makes it the top choice in 2026.