How to Check LIC Maturity Amount
Published on 2026-06-09 • 5 min read
Many LIC policyholders want to know "how much will I get at the end of my LIC policy?" This guide explains all the ways to check your LIC maturity amount — online and offline.
Method 1: Use LIC's Online Portal (Fastest)
- Go to licindia.in
- Click on "Customer Portal" → "Login"
- Register with your policy number and date of birth
- After login, go to "Policy Details"
- You can see policy status, premium due, and basic details
Note: LIC portal shows basic policy details but may not show the exact maturity amount because bonus is declared every year and total maturity depends on future bonus rates too.
Method 2: Use LIC Mobile App
- Download "LIC Digital" app from Play Store or App Store
- Register with your mobile number linked to LIC
- View your policy details and premium information
- You can pay premiums and check policy status here
Method 3: Check Your LIC Policy Bond
Your policy bond (document) has:
- Sum Assured — the guaranteed base amount
- Maturity date — when you will receive the money
- Policy term and premium details
The maturity amount = Sum Assured + Bonus (added every year) + FAB. The bonus part is not fixed in advance — it changes every year based on LIC's profits.
Method 4: Contact Your LIC Agent
Your LIC agent can:
- Get the current policy status from LIC system
- Tell you the accumulated bonus till today
- Give an estimated maturity amount based on current bonus rates
This is the most reliable way to get an estimate because your agent can run the exact calculation from LIC's internal system.
Method 5: Visit LIC Branch
- Carry: Original policy bond + ID proof
- Go to your servicing LIC branch
- Ask for a "Policy Status Report"
- LIC will provide accumulated bonus and estimated maturity details
Method 6: Use Our Free LIC Calculator (Quickest Estimate)
Use licreturncalculator.com to get an instant estimate:
- Select your plan (e.g., Jeevan Labh 936, Jeevan Anand 815)
- Enter your age, Sum Assured, and policy term
- Click Calculate
- See estimated premium and maturity amount instantly
How is LIC Maturity Amount Calculated?
Maturity = Sum Assured + Accumulated Bonus + Final Additional Bonus (FAB)
- Sum Assured: Fixed amount stated in your policy (e.g., ₹10 lakh)
- Accumulated Bonus: SRB declared by LIC every year × no. of years
- FAB: One-time bonus given at maturity for long-term policies
Quick LIC Maturity Example
- Plan: Jeevan Labh (936)
- Sum Assured: ₹10,00,000
- Policy Term: 21 years
- Accumulated SRB (approx): ₹10,50,000
- FAB (approx): ₹9,50,000
- Total Maturity: ₹30,00,000 (approx)
Important Points
- Maturity amount is tax-free under Section 10(10D)
- LIC credits maturity directly to your bank account (after submission of documents)
- You need to submit Form 3822 to claim maturity before the due date
Disclaimer: Maturity amount shown in calculators is estimated. Actual amount depends on LIC's bonus declaration at the time of maturity.