What is the minimum entry age for Dhan Rekha?

The minimum entry age for LIC Dhan Rekha is 3 years and maximum entry age is 60 years.

What is the minimum Sum Assured for LIC Plan 863?

The minimum Sum Assured for LIC Dhan Rekha (Plan 863) is Rs.200,000. Check eligibility at licindia.in.

Is there GST on LIC Dhan Rekha?

No. From September 22, 2025, GST on LIC Dhan Rekha and all individual LIC policies is 0%. This saves you significant money annually. Earlier, endowment plans had 4.5% GST and term plans had 18% GST.

Can I take a loan against LIC Dhan Rekha policy?

Loan facility depends on the plan type. Contact your nearest LIC branch or visit licindia.in for details.

How to calculate premium for LIC Dhan Rekha?

Use our free LIC Premium Calculator on this site to instantly calculate the exact premium for LIC Dhan Rekha (Plan 863) based on your age, sum assured, policy term and payment frequency. All calculations use official LIC tabular rates with 0% GST.

LIC Dhan Rekha Plan 863 2026 – Features, Benefits, Eligibility & Premium Calculator

About Dhan Rekha

LIC Dhan Rekha (863) is a non-participating savings plan offering guaranteed loyalty additions accrued during the policy term. With PPT options of 5, 8, or 10 years and terms of 15, 20, or 30 years, it provides flexible guaranteed wealth accumulation.

Key Features

Guaranteed additions: ₹55 per ₹1000 SA per year

Three flexible PPT options: 5, 8, 10 years

Longest term: 30 years — maximum wealth creation

Entry from age 3

No market risk whatsoever

Policy Benefits

Death benefit: SA + all accrued Guaranteed Additions

Maturity: SA + Guaranteed Additions (₹55×years)

Example: ₹10L SA, 30yr term = ₹10L + ₹16.5L = ₹26.5L guaranteed

Tax benefit: 80C + 10(10D)

Eligibility & Terms

Min Entry Age 3 years

Max Entry Age 60 years

PPT 5, 8, or 10 years

Policy Term 15, 20, or 30 years

Min Sum Assured ₹2,00,000

Bonus Rate History

₹ per ₹1000 SA per year

YearBonus RateFAB

2025-26 ₹55/1000 ₹0/1000

Who Should Buy This Plan?

Long-term conservative investors wanting guaranteed wealth with no dependency on LIC valuation.

Frequently Asked Questions

Minimum entry age is 3 years and maximum entry age is 60 years.

No! From September 22, 2025, GST on all individual LIC policies including Dhan Rekha is 0%. Earlier, endowment plans had 4.5% GST and term plans had 18% GST. This saves you significantly — for example, ₹10L SA endowment saves ₹2,688/yr.

Use our free LIC Calculator on this site. Select Plan 863, enter your age, sum assured and policy term — get instant accurate premium using LIC official tabular rates. The calculator includes all rebates and 2025-26 bonus slabs.

Surrender is available after 3 full years of premium payment. You receive the higher of Guaranteed Surrender Value (30%-90% of premiums paid) or Special Surrender Value. However, surrendering early results in significant loss. Consider a policy loan at 10% instead.

You need: (1) Identity proof — Aadhaar/PAN/Passport, (2) Address proof — Aadhaar/Utility bill, (3) Age proof — Birth certificate/School certificate, (4) Income proof for high SA — Salary slip/ITR, (5) Passport-size photographs, (6) Filled proposal form from LIC branch or online.

Related Guaranteed Returns Plans

Plan 860

Bima Jyoti

Guaranteed Returns — No Market Risk, No Surprise

Plan 863 Quick Info

Min Age

3 yr

Max Age

60 yr

Min SA

₹200,000

GST