0% GST on LIC Policies from Sep 22, 2025 licindia.in ↗ | India · 2026
0% GST from Sep 22, 2025 — Save up to 18%!
20+ Plans · 2026 Rates · Free

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LIC Calculator 2026

Real tabular premium rates for all major LIC plans. No GST. Calculate premium, maturity, loan & surrender value instantly — free.

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Live Sample · New Endowment Plan 914 0% GST
Age30 yrs
Term20 yrs
Sum Assured₹10 Lakh
Annual Premium
₹59,750/yr
No GST · Mode rebate not included
Maturity Value
₹18.9L
Total Paid
₹11.95L
GST Saving
₹2,688/yr
Net Gain
+58.1%
Premiums PaidBonus Earned
₹11.95L ₹6.95L
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New Endowment 914 Jeevan Anand 915 Jeevan Labh 936 Money Back 20yr Money Back 25yr Jeevan Amar 855 Tech-Term 854 Jeevan Umang 945 +12 more
₹
yr
Tools

4 Powerful Calculators

Premium

Exact tabular premium for any LIC plan with rebates
Maturity

Total maturity value with bonus & final addition
Policy Loan

Max loan eligibility & EMI at 10% p.a.
Surrender Value

GSV vs SSV comparison with loss analysis
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Real Tabular Rates

Uses LIC published tabular premium rates with bilinear interpolation for exact age/term combinations.

Zero GST (2025-26)

GST on individual LIC policies = 0% from Sep 22, 2025. No extra tax on your premium.

2025-26 Bonus Slabs

New SA-based bonus slabs applied. SA ≥ ₹5L gets +₹1/1000/yr. Jeevan Labh SA ≥ ₹10L gets +₹2.

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How It Works

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1
Choose Your Plan

Browse 20+ active LIC plans. Filter by category — endowment, term, money back, pension, child plans & more.

2
Enter Details

Enter your age, sum assured, and policy term. Our calculator auto-applies rebates and 2025-26 bonus slabs.

3
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