Check LIC Policy status without registration by Mobile Phone or SMS

Many of LIC policyholders might be struggling to get their status. Because they feel it is cumbersome to visit LIC Office, contact agent or creating login to check on LIC Portal. But do you know we can check LIC Policy status without registration through Mobile Phone or SMS?

LIC Policy Status without registration

You can check your LIC Policy status by going online, registering your policy account details and all those. Because there is a possibility (in many cases) of forgetting the password or username itself. However, below I will explain you how to check your policy status without registration using your mobile phone or SMS facility.

What you need to avail these facilities?

1) Mobile phone (For calling or sending SMS) or Land phone (For calling).

2) You must know your policy number.

1) Check LIC Policy Status without registration by calling to LIC’s IVRS (Interactive Voice Response System)

LIC offers you IVRS calling. This you can use for getting your policy status without any manual intervention. As I said earlier, policy registration is not at all required for this.

For making a local call from any MTNL or BSNL number simply dial 1251 and for other than local users IVRS can be accessed by dialling the city STD code of the IVRS center followed by 1251.

When you call to this number, the only information you need to know is your policy number. You can check your policy status, loan availability, bonus accumulated and few more other policy status details.

I checked dialling 1251 from my BSNL landline and it worked fine and within a second I got the status of the policy which I need. However, when I tried to dial from my non-BSNL mobile phone (using the Bangalore area code of 080 followed by 1251), I found it was not working. I don’t know what may be the reason.

This I felt a negative point of this facility. Because it worked fine from a landline but not from a mobile phone. Along with that LIC also claiming, “To know Policy details through IVRS, simply dial 1251 available 24×7 in the following cities.” This means the 1251 policy status inquiry facility is not available for 24X7 for other cities. If yes, then LIC not provided any details about the timing for other than below listed city customers. Anyhow, this facility is available for 24X7 for below-mentioned cities.

Asansol, Allahabad, Aurangabad, Bareilly, Coimbatore, Dharwad, Gorakhpur, Gwalior, Hazaribagh, Jodhpur, Jammu, Kozhikode, Kota, Kolhapur, Meerut, Mysore, Nashik, Patna, Pondicherry, Rajkot, Ranchi, Salem, Surat, Shillong, Shimla, Thanjavur, Vadodara and Varanasi.

Here it is not clear whether the rest of the cities are not able to get this service 24X7 or not. Also, the cities mentioned particularly are not big cities. Hence, doubt also is there, whether apart from a metro and other big cities, this facility will be available for the above-listed cities or not.

Anyhow, I checked from Bangalore BSNL Landline and it is working perfect. Let me know some user experience with this.

2) Check LIC Policy status without registration through SMS-

You check your policy status by sending SMS. Here also you no need to register your policy number. Just from a mobile number you have to send SMS with predefined short and long codes. Below are the codes for the same.

PREM (Premium)-To check the premium due for your policy.

REV (Revival) -If a policy already lapsed, then to check the revival amount payable.

BONUS-Amount of bonus accumulated as of today.

LOAN-Amount of loan you can avail from your policy

NOM (Nomination) -To know the details of a nomination.

For example, to know the premium due for any particular policy, then send the SMS in below format.


To 56767877 (with short code) or 9222492224 (with long code).

I checked using a lapsed policy and I immediately received the message as “Contact Branch”. Tthis is a great initiative 🙂

If you have a pension policy with LIC, then you can check the details of that policy as below.

STAT-IPP Policy status

ECDUE-Existence certificate due

ANNPD-Last pension released date

PDTHRU-Pension payment through (CHQ/ECS/NEFT)

AMOUNT-Pension amount

CHQRET-Cheque return information

For example, to know the IPP policy status, then send the SMS as below.

ASKLIC <STAT> STAT to 56767877

I felt SMS facility more convenient than the IVRS facility and want to know from all you about the user experience of these two facilities of LIC to check the policy status without registration.

97 Responses

  1. As mentioned by you that lic inqiry by sms for different types of need but if I want to know about my maturity amount which should have been credited on 22-5-21 but not credited as of now then how I can know by SMS?

  2. I have made payment for all my policies but do not have receipts for the payments, can I get a statement of the payments made for all the policies ?

  3. Sir,how I can check claim status of our policy without registration because I am facing many problems while registration process.

  4. Hi, I have surrendered my policy 2 weeks back. Still, I am waiting for settlement. Is there a way I can check status of my policy online?

  5. I have not registered online but when I sign up got that you are a existing user and when login with forgot user ID or password found that you are not a existing user.

  6. why cant lic update its find status of policy why only bsnl landline required.why not a mobile no.?

  7. Out of 4 survival benefits due after 5, 10, 25 and 20 years, so far only one survival benefit has been received by me. When contacted the lic customer care it was revealed that all survival benefits stars paid in their record. All premiums have been paid and the policy is in force. One last premium is to be paid and next year is the maturity date. Please guide me what to do? The cheques of survival benefits benefits will be lying in branch?

  8. Sir… My father is no more… they get 4548 Rs. every year from lic…. but we can’t have any documents…. In LIC we try to check through birth date… But they are telling us (We don’t have any record for this policy)… As per my knowledge this policy will be jivan dhara…. Since last 8 months i m trying to findout policy no… Still wait… no one is getting reply… What to do

  9. Hello Sir, i have taken jeevan sneha policy in 2000 with annual premium around 7000/- p.a. But after 3 premium, i was not able to continue the policy due to some financial crises.. What will be the amount i can get from LIC by surrendering the same.. also tell me the procedure of surrender & tell me the code to know the above said details via SMS

  10. Hello,

    I have surrendered my policy for settlement. Its been more than three weeks now and i have not received my settlement amount. Branch manager is saying there are no issues and they dont know why it is not credited yet. The policy was under loan and i have not paid few months premium at the time of surrendering. But they said its will be taken care of, that they will deduct the necessary amount from the settlement and credit the balance amount. Is this the usual amount of time taken for settlement in this kind of cases?

    Arivazhagan A

      1. Basavaraj, thanks for the quick response. They havent credited the amount yet. The policy status is still showing as settlement in progress when they checked. I have given neft details and even received a sms alert on my neft account details i submitted. Is three weeks an usual time taken in my case. Do i have to wait more or should approach any dept? I have already submitted a grievience form and it doesnt seems speeden up the process.


  11. Dear sir,

    i have completed my 5 years lic policy plane 815 WHEN i opened i did not know about this policy but agent has opened for 30 years of mutrity therefore i want to surrender my policy tell me what can i do ?

  12. Hi There,
    My father had a Jeevan Bima policy for himself, our mother and us both his children. He passed away last year and my brother has not shared any documents with me. How can I know about the status of the policies.
    Thanks in advance for your help.

  13. Hi, I had applied for surrender of policy can anybody help me in telling that how much days it takes to get back money transfer by lic in our account.

  14. 364359260 is my policy number I have to know about status because I am paying premium correctly without fail for every three months but for me message coming that premium not paid from six months my agent said I paid iam giving amount to my agent correctly he not given bills so please send my status

  15. SIR,
    Premium- Rs. 3422
    term- 17 Yrs.
    Date of starting- 09/05/2008
    Premium Paid- Yearly (9 Yrs. cont. without miss)
    Enrolled this plan as agent suggested. Now, I want to do a new term plan & will surrender this. What are the merits/demerits I’ll get after surrender? when it is suitable time to surrender without losing my money.
    Plz help me out with your needful suggestions .

  16. Dear Sir,

    I am Lic customer, my policy no-574922886
    please tell me my policy status. How much my maturity amount at this stage …………
    I have already paid since 3 years money back plan .

  17. Dear Sir/Madam

    I have three policies & I want to know how much the total maturity amount I will get as of now for each of these 3 policies separately.

    Thanking you

  18. Hi sir i am lic policy holder my policy no is 751603335 after maturied howmuch i will get from lic and if any other taxes of maturity amount pl tell me sir. Thank u sir

  19. hello ,sir
    mai janaa chataa hu ki abhi tak mainai jitna b paisai jamaa karai hai us online check karna ho to kaisai kaigai

  20. Sir
    Meri wife ke father diath ho gaye hai or nomny me meri wife hai tooo aap baata sakte hai ki jeetna bhi paisa jaama hoaa hai oooo kisko milega….or uske liye kiya karna hoga…or 1,2,peremium jaama nahi ho paaya hai ……..or time bhi pura ho gaya hai ……plz help me sir

  21. Sir, mera lic’s policy 2008 mey start kiya tha par ab wo 2014 se band h….Toh mujhe bonus ke baad wala paisa wapas chaye tha…To mey ab kya karu…

  22. Dear sir, I opted LIC policy in year 2004 , continued up to 2010 with a Prem 933/- but due to some condition I failed to deposite from Nov.2010. Now sir what should I do, please help me if Lapsed,how to regain or how to get the money back. please help me.

  23. Dear Sir,
    Seeking your suggestion about my LIC Jeevan Saral Policy . Details are-
    Premium- Rs. 24020
    term- 20 Yrs.
    Date of starting- 15/01/2013
    Premium Paid- Yearly (3 Yrs. cont. without miss)
    Enrolled this plan as agent suggested. Now, I want to do a new term plan & will surrender this. What are the merits/demerits I’ll get after surrender? when it is suitable time to surrender without losing my money.
    Plz help me out with your needful suggestions .

    Thanks in advance.
    Sujoy Mitra

      1. Sir,
        Thanks U so much. Want to do SBI Life Smart Wealth Builder policy (10 Yrs. term) ULIP for better return. Any suggestion !! Please share.

  24. Dear Sir,
    I;ve endowed a LIC policy 7 years before.
    My vested bonus is 47000Rs as on date.
    Policy is 75F Money back 20 years.
    Can i claim my vested bonus now?

  25. Sir i have a insurence policy( ulip)0f pnb metlife from august 2010 premium rs. 12000.Today the value of 60000 is 5700.plz advice should i continue or surrender..

      1. Thanks a lot sir,
        plan of insurance-Met Magic Plus ,Fund-Multiplier-2 (equities-60-100,money market instrument-0-40) To generate long term capital appreciation by investing in diversified equities selected from s&p CNX Nifty index.
        Sum Assured-60000, policy term-25 years
        current value-57000
        next premium- august 2015(12000)
        sir this is product details plz advice

          1. sir expenses of policy-
            premium allocation charge-first yr-40%,second yr-40%,third yr onwards-0%
            policy administration charge-1200(one time)
            monthly policy administration charge-60
            fund management charge-1.25% p.a.

  26. Sir,
    you r right, the same thing above, did not work with mobile. I also try to call toll free no. but it didnt work. Anyway, we can tolrate these small things in case of such a large PSU.

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