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LIC Bonus Rates for 2016-17 – A Complete Report

September 8, 2016by Basavaraj Tonagatti

Recently LIC declared the bonus rates for the year 2016-17. Let us see the complete details about LIC Bonus Rates for 2016-17 and how they affect your life insurance returns.

LIC's 60th Anniversary

What is the meaning of bonus for LIC policies?

When you buy a traditional with profit product from LIC, then your returns from such policy mainly depends on what will be the rate of bonus. LIC declares bonus on the yearly basis. Usually, you will not find any such drastic change. But it is always better to track the bonus rates.

Let us say you bought LIC’s Jeevan Anand for the term of 20 years and sum assured as Rs.5,00,000. If LIC declared bonus as Rs.45 for this product, then the calculation will be as below.

The bonus rates will be based on three criteria.

# Term of policy-Higher the tenure means higher the rate.

# Sum Assured-LIC bonus depends on per Rs.1,000 of Sum Assured. Hence, if you bought higher sum assured policy, then your bonus accumulation will be at the higher end.

So from above example, if LIC declared you Rs.45 as bonus per Rs.1,000 sum assured for 20 years policy, then the bonus accumulation for that year will be as below.

Rs.22,500=(Rs.45 x Rs.5,00,000)/Rs.1,000.

Remember this Rs.22,500 will not be payable to you. But it will be with LIC and you receive this amount during the time of death claim or maturity. The most important point to note that they will not add any amount on this Rs.22,500. It will remain same till the period of death claim or maturity date.

How to calculate returns for your LIC policy?

In simple, I explained how to calculate bonus for a year. But LIC offers different products like the endowment, limited endowment or money back plans. In such a situation, you may find it difficult to calculate returns on your LIC plan. Hence, I created a video about this.

This below video will explain you about how to calculate returns on your LIC plans using excel sheet. It is too simple and convenient for you to calculate.

LIC Bonus Rates for 2016-17

Hope you got the clarity about the importance of bonus rates for your traditional plans. Now let us concentrate on recently declared LIC Bonus Rates for 2016-17.

The below rates are for the revisionary and interim period. Revisionary bonus rates are applicable for policy year entered upon during the inter-valuation period i.e. 01/04/2015 to 31/03/2016 and in force for full sum assured as on 31/03/2016. It would apply to policies resulting into claims by death or maturity (including those discounted within one year of maturity) or surrendered on or after 01/01/2017.

The interim bonus rates are applicable to policies in respect of each policy year entered upon after 31/03/2016 and result into claims by death or maturity (including those discounted within one year of maturity) or are surrendered during the period commencing from 01/01/2017 and ending 9 months from the date of next valuation.

This time, I separated the plans in two ways. One for the old policies which are closed and another list for the new policies which are currently available for purchase.

LIC Bonus Rates for 2016-17

Above rates are for all closed plans. Now let us see the LIC bonus rates for 2016-17 for existing new plans.

LIC Bonus Rates for 2016-17 for new plans

Points to be noted-

  • There is no change in bonus rates of Whole Life Plans, Endowment Plans, Money Back Plans (old and new) and some other plans bonus rates not at all changed (including old and New Jeevan Anand).
  • LIC continued the same rates for almost all plans.

LIC’s One Time Diamond Jubilee Year Special Reversionary Bonus Rates

Along with this regular LIC Bonus Rates for 2016-17, this time, LIC declared “One Time Diamond Jubilee Year Special Reversionary Bonus” on the occasion of 60th 60th-year-anniversary celebrations.

The One Time Diamond Jubilee Year Special Reversionary Bonus Rates payable per Rs.1,000/- Sum Assured [Cash Option in case of New Jeevan Suraksha I (Plan 147) and New Jeevan Dhara-I (Plan 148), Death Benefit Sum Assured in case of Jeevan Madhur (Plan 182) & Premium Paid for Jeevan Amrit (Plan 186)] for policies in force as on 31.03.2016. The rates are as below.

The policies which are in paid-up condition or are lapsed without acquiring paid-up value as at 31st March, 2016 shall also be eligible for this One Time Diamond Jubilee Year Special Reversionary Bonus provided they are subsequently revived for full sum assured and otherwise eligible for reversionary bonus as per terms and conditions of the policy

One Time Diamond Jubilee Year Special Reversionary Bonus Rates

The above One Time Diamond Jubilee Year Special Reversionary Bonus Rates shall be applicable for policies which are in force on the book of the Corporation as at 31.03.2016 by payment of full premium and eligible for regular reversionary bonuses and continuing in the books of the Corporation on or after 01.09.2016.

So, One Time Diamond Jubilee Year Special Reversionary Bonus shall not be payable to policies during the free look up period if free cover period starts before 31.03.2016 even though policies are in force in such period.

One Time Diamond Jubilee Year Special Reversionary Bonus shall be decided in the same manner as simple Reversionary bonus rates are decided for the plan.

The One Time Diamond Jubilee Year Special Reversionary Bonus is not payable to without profit policies, the policies under which guaranteed additions have been added during the inter-valuation period and polices under which loyalty additions are payable as per terms and conditions of the plan.

Loyalty Addition for Jeevan Saral Plan 2016-17

Jeevan Saral was the unique plan. There will not be sum assured but MATURITY SUM ASSURED. Also, Jeevan Saral plan not offers you the bonus. Instead, LIC provides Loyalty Addition to Jeevan Saral plan. This LA will be applicable to those plans which completed 10 years or more.

The LA rates are as below.

Loyalty Addition of Jeevan Saral for 2016-17

There is a raise in LA rates of Jeevan Saral. However, I still feel the final returns will hover around 5% to 6%.

Under Jeevan Saral (Plan 165), provided at least 10 years premiums have been paid under the policy and policy has been in force for at least 10 years, the loyalty addition is payable on exits by maturity or death or surrender per thousand maturity sum assured for the complete duration for which the premiums have been paid. Provided further that loyalty addition is also payable if death claim occurs in the 10th year of the policy and the policy then is in full force.

Along with LIC Bonus Rates for 2016-17, LIC declared Final additional bonus (FAB) and Loyalty addition (LA). FAB and LA are not applicable to all policies. They are paid as per the policy features and conditions. No LA will be payable if you surrender the policy in between (except Jeevan Saral).

Category: Insurance PlanningTag: LIC Bonus Rates for 2016-17

About Basavaraj Tonagatti

Basavaraj Tonagatti is the man behind this blog. He is SEBI Registered Investment Adviser who is practicing Fee-Only Financial Planning Process and also an Independent Certified Financial Planner (CFP), engaged in blogging since 7 years. BasuNivesh blog is ranked as one among India's Top 10 Personal Finance Blog. He is not associated with any Financial product/service provider. The purpose of this blog is to "Spread personal finance awareness and make them to take informed financial decisions." Please note that the views given in this Blog/Comments Section/Forum are clarifications meant for reference and guidance of the readers to explore further on the topics/queries raised and take informed decisions. These should not be construed as investment advice or legal opinion."

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Reader Interactions

Comments

  1. ryan jacob

    May 31, 2020 at 7:32 PM

    SIR
    I had taken an professional education plan for child- 10lakhs and have received a total of 14.18 lakhs – which included five 20% return per year from 18 to 23 yrs and then final loyalty addition and guaranteed addition of 25 per thousand… is there an error in the calculation …as after 23 years we have got only a 40 percent return …is this correct ..should i apply for reappraisal to lic
    \thanks ..
    ryan

    Reply
    • Basavaraj Tonagatti

      June 1, 2020 at 7:24 AM

      Dear Ryan,
      Please use XIRR function to calculate the returns.

      Reply
  2. Bajivali

    May 29, 2018 at 2:38 PM

    I have lic jeevan saral policy. Already Paid 19 quarterly premiums of (started in sep-2013 , ) Rs.6125/- per premium, sum assured Rs.500000 and please let me know what will be the amount I will receive if I surrender the policy
    1. after 5 years
    2.after 10 years

    Reply
    • Basavaraj Tonagatti

      May 29, 2018 at 6:17 PM

      Dear Bajvali,
      Contact the branch for exact surrender values.

      Reply
  3. Sheema Acharya

    May 7, 2018 at 11:04 PM

    I have received the maturity claim of Bima Gold policy (174-12-12). The IRR come to 3.45%. Premium Paid 12228 yearly, 30000 SB recd in 4th & 8th year, 104336 Recd as Maturity Claim. Did not get any working from them.

    Reply
    • Basavaraj Tonagatti

      May 8, 2018 at 6:06 AM

      Dear Sheema,
      These are the hard realities of investing in WRONG products.

      Reply
  4. Prashant

    May 3, 2018 at 12:34 PM

    Hi ,

    I have lic jeevan saral policy. Already Paid 6 yearly premiums(policy was in force for 6 years) and 7th yearly premium is on due. If I surrender this policy today then do I need to pay any taxes on the exceptions taken under IT section 80c in the previous 6 years?

    Reply
    • Basavaraj Tonagatti

      May 3, 2018 at 12:39 PM

      Dear Prashant,
      NO.

      Reply
      • Prashant

        May 3, 2018 at 1:13 PM

        Thanks Basavaraj for reply but I have read some where on other blogs that surrendering a jeevan saral policy before minium period couses taxation on previously taken 80c benefits. Is there any minimum years criteria ?

        Reply
        • Basavaraj Tonagatti

          May 3, 2018 at 5:06 PM

          Dear Prashant,
          Refer my earlier post for the same “Tax Benefits of Life Insurance“.

          Reply
  5. Sreejith

    July 31, 2017 at 2:51 PM

    Hi Basavaraj , Your blogs are quite informative. Appreciate your good work.

    I hold a New Jeevan Shree 151 (Policy Term of 25 years with 16 Years of payment term) with a commencing date of 2003.

    Though I have only one more term pending for payment, I am confused on this policy now and thinking did I make a mistake or not 🙂

    Having said and done where I stand, it will be much appreciated if you can help me in identifying how I can calculate my maturity amount which I will get in 2027.

    Thanks in advance

    Reply
    • Basavaraj Tonagatti

      July 31, 2017 at 7:58 PM

      Sreejith-I think as your premium payment is almost to close, then check the surrender values and then decide.

      Reply
    • Raghu

      October 17, 2017 at 10:03 AM

      I have the same policy with same start date, unable to decide if i should surrrender

      Reply
  6. SAGAR CHAKRABORTY

    July 25, 2017 at 11:33 AM

    I HAVE JEEVAN SNEHA PLAN OF RS 1,50,000 DONE IN 1997. THE GA IS RS 70/ PER THOUSAND. PERIOD OF POLICY IS 20 YEARS. I HAVE RETAINED WITH LIC TWO MONEY BACK AMOUNT OF RS 30,000/ ONE IN 2008 THEN IN 2013. THE INTEREST ON SUCH AMOUNT RETAINED WITH LIC IS @ 11% COMPONDED ANNUALLY. THE PLAN WOULD MATURE IN NOV 2018. CAN YOU TELL ME WHAT I WOULD GET ON MATURITY
    SAGAR.C

    Reply
    • Basavaraj Tonagatti

      July 25, 2017 at 5:55 PM

      Sagar-Better you check with nearest LIC branch.

      Reply
  7. Arnav

    July 16, 2017 at 1:02 PM

    Hi Basu,
    I have a policy as follows
    Endowment Policy Table 14
    SA: 10 Lakhs
    Term: 31 years
    Year of Commencement: 5/2008
    Annual Premium: 29991

    I wish to know the following:

    Is Final Additional Bonus declared for Tabe 14 policies?
    If yes, could you please advise what can I expect as total returns when the policy matures in 2039?

    Reply
    • Basavaraj Tonagatti

      July 17, 2017 at 8:04 PM

      Arnav-Think about FAB when you are going to closure or the policy mature. Also, this FAB is not that much big GAME CHANGER.

      Reply
  8. Anchit Jain

    November 29, 2016 at 11:14 PM

    Hello Basu,

    I have a LIC policy – New bima gold started in 2013. I have given 4 premiums.
    I cant find any bonus rates or loyality addition info anywhere. Could you please provide some light on it

    Regards,
    Anchit

    Reply
    • Anchit Jain

      November 29, 2016 at 11:19 PM

      Its New bima gold T.No. 179 policy

      Reply
    • Basavaraj Tonagatti

      November 30, 2016 at 5:54 AM

      Anchit-If your policy recently completed 4 years, then let them update the latest data. Then it will reflect in your account (when you login).

      Reply
  9. Anil

    October 26, 2016 at 2:37 AM

    As part of regular income, can my uncle who is 58 years old invest in Jeevan Akshay.His purpose is to get a monthly income.The only issue is he does nt want to lock tha amount forever, he is however ready to hold the amount for 5 to 7 years.
    Or

    Is it better to go with a mutual fund such as SBI Magnum Monthly Income Plan Direct-Dividend monthly?

    Your advice on this matter is highly appreciated

    Reply
    • Basavaraj Tonagatti

      October 28, 2016 at 9:01 PM

      Anil-If his requirement is for limited period, then he can opt for the same in Jeevan Akshay too. MF MIPs will not give him guaranteed returns.

      Reply
  10. Darsana

    September 22, 2016 at 1:09 AM

    If you dare to be correct on what you say publish mail id of those who posted these queries.

    Reply
    • Basavaraj Tonagatti

      September 22, 2016 at 7:15 AM

      Darsana-Why you need those mail ids? It is their privacy matters, which they share on this platform with the reason and belief that I will not share these to others or with public. If I start to share those 42,581 emails of what people shared with me with strong belief on me, then I loose the trust which they have on me. It’s their privacy and I respect and not share with anyone including you or to GOD too. Hope you know the privacy rules of online portals 🙂

      Reply
  11. Darsana

    September 22, 2016 at 1:06 AM

    Dear Mr.Basu Please stop answering queries and mis-directing people.. Dear LIC Policyholders please contact your servicing branch.. Official in PS or Claims Dept can guide you correctly.. Or else you may contact near by customer zone or call to LIC `s Toll free number or send mail to your Divisional Office Concerned Department.. Dont rely on this guy.. Check our website for services

    Reply
    • Basavaraj Tonagatti

      September 22, 2016 at 7:08 AM

      Darsana-Your anger is NATURAL and EXPECTED 🙂 Let readers decide whom to follow 🙂

      Reply
  12. Dr Rajesh Pai

    September 17, 2016 at 5:45 PM

    Dear Basavaraj,
    I have lot of appreciation for your advices. They are really nice and truthful.
    Please comment on New Bima Dimond Plan. Is it worth buying for 20 year term?

    Reply
    • Basavaraj Tonagatti

      September 18, 2016 at 6:50 PM

      Rajesh-Refer my next post (may be tomorrow).

      Reply
  13. Jojo James

    September 10, 2016 at 10:14 AM

    Can you advice me the expected returns on my Jeevan Saral Policy with the below parameters.

    Maturity Sum Assured – 56,36,700
    Death Benefit – 30,00,000
    Policy Term – 35
    Yearly Premium – 1,44,000
    Date of joining- 2010, April

    I could appreciate if you can share the excel sheet using for calculation.

    Reply
    • Basavaraj Tonagatti

      September 10, 2016 at 11:05 AM

      Jojo-You can refer my earlier post “LIC’s Jeevan Saral-Why so much confusion?“. There are numerous examples and I explained about how to calculate returns for this product.

      Reply
  14. Jojo James

    September 10, 2016 at 12:04 AM

    Can you send me the excel sheet used in this illustration for the calculation of IRR

    Reply
    • Basavaraj Tonagatti

      September 10, 2016 at 7:43 AM

      Jojo-Refer my earlier post, where I provided a link to download the same excel sheet “Video tutor-How to calculate LIC policies maturity amount and returns?“.

      Reply
  15. Vidya

    September 9, 2016 at 8:12 PM

    Hi Basu,
    I had started one LIC policy 5 years back. I didn’t have much idea about all these at that time and took a policy as if it was a custom to take an LIC policy at that time 🙂
    Now i want to get out of this as i already have term cover of 1 cr and mutual funds/FDs etc. Thanks to your detailed blogs on various investment instruments;)

    This month my LIC will be 5 years.
    Policy :Jeevan Anad Policy
    Commencement Date : 28-09-2011
    Sum assured : 7,50,000.00
    Term : 21 yrs
    Premium : 3260 monthly

    What will be the best option to discontinue with minimum loss. When i checked eventually i will loss up to 40% of money i invested.
    (1) Can i reduce the term, say to 6 yrs, and finish off the payment in next one year. Will i get back whole amount together back after a year with out any fine or deduction.
    (2) Can i reduce the sum assured to the amount i already paid and keep the already payed amount with LIC itself for 21 yrs.
    My main intention is not to lose payed amount and not to pay anything more to LIC.
    Basically what is the best option to get out of the LIC policy with out any deduction or with best minimum injury.

    Reply
    • Basavaraj Tonagatti

      September 9, 2016 at 8:22 PM

      Vidya-It is always hard to book the loss. But the reality is no option but to surrender at earliest and come out. If you do so, upfront you may feel some loss. But you can compensate it easily by investing wisely for rest of period. I will not suggest reduced term.

      Reply
      • Vidya

        September 12, 2016 at 1:42 AM

        If i surrender, i will get only, 30% of premium paid – first year payment which will be again a big loss. So i was thinking to reduce the term to say shortest possible, if possible end it very next month!! and get the whole amount without any deduction!. I don’t know whether its possible or any body have tried this before. LIC website shows reducing the term is possible.

        Reply
        • Basavaraj Tonagatti

          September 12, 2016 at 8:01 AM

          Vidya-They are more clever than you 🙂 They increase your upcoming premium payment drastically. It is one and same. Try to do that and share with me the result. Eager to know the upward premium amount.

          Reply
  16. Ritesh Mithbaokar

    September 9, 2016 at 7:38 AM

    One more ploy by LIC to revive lapsed policies under the garb of Diamond Jubilee Celebration!!!

    God knows when people will understand that LIC plans won’t give them either risk cover or inflation beating return. The problem is with structure of these plans which are not transparent and are not in the long term interest of policy holders. These are “Na Ghar Ka Na Ghat Ka” plans as they say in Hindi.

    Also, it is being rampantly advertised that LIC has declared 6% Diamond Jubilee Celebration Bonus. However, after going through the table, I realized that 6% bonus is applicable only for policies in force prior to 31-03-1986. (30 years completed policies which is very small proportion of LIC plans). However, LIC agents have already started mis-informing gullible investors (as usual). What a shame!!!

    These plans do not have any future and it would be better to stick to combination of Term Insurance and Mutual Funds to generate long term wealth.

    Thanks for sharing.

    Reply
    • Basavaraj Tonagatti

      September 9, 2016 at 9:39 AM

      Ritesh-Wonderful interpretation and thanks for sharing your views.

      Reply
  17. Hetal Rajesh Rao

    September 8, 2016 at 11:00 PM

    Hello,
    I hold a jeevan saral policy , my sum assured is 25 lac and premium is about 120000 pa.My daughter has the same for 12.5 lacs and I am paying a premium of 60000 pa. I had started the policy in Jan2009 and March2010 respectively. Please do let me know what should I do because according to the table given to me before 10 years, I will earn less than I invested. Please do let me know what should I do.

    Reply
    • Basavaraj Tonagatti

      September 9, 2016 at 9:25 AM

      Hetal-Better to close it after 5 years completion (in your case it is already completed).

      Reply
  18. Rohit

    September 8, 2016 at 9:44 PM

    Jeevan Shri Annual Premium 31667/- since 2003, to be paid till 2018…. Assured bonus 70 per 1000 Maturity 2028…. Expected Maturity amount?

    Reply
    • Basavaraj Tonagatti

      September 8, 2016 at 9:46 PM

      Rohit-In my view it is new Jeevan Shree than old one. Am I right? If so then GA rate is not Rs.70. Let me know which one you are holding.

      Reply
      • Rohit

        September 8, 2016 at 9:50 PM

        70 is what was told to me in 2003… Already paid 14 premium…. Just want to know expected maturity amount

        Reply
        • Basavaraj Tonagatti

          September 8, 2016 at 10:30 PM

          Rohit-Don’t rely on WHAT WAS told. But check policy bond and let me know.

          Reply
          • Ajay

            September 16, 2016 at 10:39 PM

            for your kind information mr basu in JEEVAN SHREE Policy plan number 112 guaranteed returned is 75 and not 70. and also give your assurance to client regarding mutual fund scheme that they will get 100% return in mutual fund and Sip and beat inflation rate

            Reply
            • Basavaraj Tonagatti

              September 17, 2016 at 7:49 AM

              Ajay-For your kind information, check when Mr.Rohit bought Jeevan Shree? It is after the closure of Jeevan Shree and he is now holding Jeevan Shree 1, which offers Rs.50 GA for first 5 Years only. The one you are talking is the old one which was closed by 2003. Refer this LIC LINK for the policy features of Jeevan Shree 1.
              Now for your information, which LIC policy will give you the 100% RETURN, can you please explain? 🙂

              Reply
          • Rohit

            September 17, 2016 at 8:45 AM

            GA IS 75, NOW CAN U HELP ME WITH EXPECTED MATURITY AMOUNT.

            Reply
            • Basavaraj Tonagatti

              September 17, 2016 at 11:19 AM

              Rohit-Check first whether it is Jeevan Shree or Jeevan Shree 1.

              Reply
  19. Smith

    September 8, 2016 at 8:00 PM

    Hello sir,

    I have one query regarding this kind of policies…
    just wanted to know that if LIC giving 5 to 6 % returns and also benefit of cover under 80C, is it better to go other insurance companies like Max new York life insurance or Birla sun life insurance??
    as premium is less compared to LIC for these companies ??

    Reply
    • Basavaraj Tonagatti

      September 8, 2016 at 8:20 PM

      Smith-Bonus rates of private insurers are lesser than LIC.

      Reply
  20. Rajesh

    September 8, 2016 at 4:48 PM

    Hi Basavaraj,

    Hope you are doing good. I have one query. Can you please clarify?

    Why the tables not mentioned about jeevan saathi policy details. I took this policy 4 years back and still I am paying yearly premium with out any delays. Could you please let us know why this policy was not listed to get to know bonus details.

    Reply
    • Basavaraj Tonagatti

      September 8, 2016 at 6:42 PM

      Rajesh-Sorry to miss that. The bonus rate for Jeevan Saathi (Plan No.89) is as below.
      For 15 Yrs Plan-Rs.40.
      For 16 Yrs to 20 Yrs Plan-Rs.44
      For more than 20 Yrs Plan-Rs.48

      Reply
      • Rajesh

        September 9, 2016 at 6:11 PM

        Thank you for the details Basavaraj. Really appreciate it.

        Reply
  21. Gourav jain

    September 8, 2016 at 3:00 PM

    Hi,
    Policy name: jeevan saral
    premium : 24000 /year
    Enter year: nov-2011

    how much amount i can expect after 10 years ??? already 5 yrs premium i have paid shell i continue or stop for further years ??

    thanks in advance…

    Reply
    • Basavaraj Tonagatti

      September 8, 2016 at 6:50 PM

      Gourav-It is better to discontinue. But continue the plan if you are ready for returns of around 5% to 6%.

      Reply
  22. Sachin Mogale

    September 8, 2016 at 12:34 PM

    Please give me detail calculation of Jeevan Saral Premium Rs.24000 yearly. What will be the maturity amount received after 10 years.

    Reply
    • Basavaraj Tonagatti

      September 8, 2016 at 12:35 PM

      Sachin-If you share your MSA and number of years the policy completed, then only I can calculate.

      Reply

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