0% GST on LIC Policies from Sep 22, 2025 licindia.in ↗ | India · 2026
Plan 921 Money Back 0% GST 2025

New Money Back 25yr (Plan 921)

Regular Cash Every 5 Years for 25 Years

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About New Money Back 25yr

LIC New Money Back 25yr Plan (921) provides survival benefits of 15% of Sum Assured every 5 years (at 5th, 10th, 15th, 20th year) and 40% + bonuses at maturity (25th year). It gives regular liquidity while maintaining life cover throughout.

Key Features

15% SA at 5th, 10th, 15th, 20th year (4 payouts)
40% SA + bonuses at 25th year maturity
Total cash = 100% SA + bonuses (in 5 installments)
Full SA life cover throughout 25 years
Ideal for long-term goal planning

Policy Benefits

Year 5,10,15,20: 15% of SA each (₹60K per ₹4L installments on ₹4L SA)
Year 25 maturity: 40% SA + Bonus + FAB
Death anytime: Full SA + bonus (irrespective of survival payments)
Tax benefit: 80C + 10(10D)

Eligibility & Terms

Min Entry Age 13 years
Max Entry Age 45 years
Fixed Policy Term 25 years
Min Sum Assured ₹1,00,000

Bonus Rate History

₹ per ₹1000 SA per year
YearBonus RateFAB
2025-26 ₹38/1000 ₹550/1000
2024-25 ₹38/1000 ₹500/1000
2023-24 ₹36/1000 ₹450/1000
Who Should Buy This Plan?

Those with long-term financial goals spaced every 5 years — education, marriage, business.

Frequently Asked Questions

LIC New Money Back 25yr Plan (921) provides survival benefits of 15% of Sum Assured every 5 years (at 5th, 10th, 15th, 20th year) and 40% + bonuses at maturity (25th year). It gives regular liquidity while maintaining life cover throughout.

Minimum entry age is 13 years and maximum entry age is 45 years.

No! From September 22, 2025, GST on all individual LIC policies including New Money Back 25yr 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 921, 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.

For 2025-26, the Reversionary Bonus for New Money Back 25yr is ₹38/1000 SA/year. Additionally, Final Addition Bonus (FAB) of ₹550/1000 SA is paid at maturity or death. If SA ≥ ₹5L, extra ₹1/1000/yr bonus is added under 2025-26 new slab.

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Plan 921 Quick Info
Min Age
13 yr
Max Age
45 yr
Min Term
25 yr
Max Term
25 yr
Bonus
₹38/1000
FAB
₹550/1000
Min SA
₹100,000
GST
0% ✅
Calculate My Premium
Sample Premium
Age 30yr · 25yr term · ₹10.0L SA
₹68,250 /yr
Approx · 0% GST · verify with calculator
GST = 0% (Sep 2025)

From September 22, 2025, no GST on New Money Back 25yr. You save up to 18% on premium!

Rates shown are indicative. Verify actual premium at licindia.in or with a licensed LIC agent.
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