What is the current bonus rate of LIC?

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LIC bonus rates range from ₹40 to ₹50 per ₹1,000 of the basic sum assured annually, depending on the specific insurance plan and policy term.

📊 LIC Bonus Rates by Plan

  • LIC New Endowment (814): ₹40–₹48 per ₹1,000 sum assured (15–25 years).
  • LIC Jeevan Anand (915): ₹45–₹49 per ₹1,000 sum assured (20–30 years).
  • LIC New Jeevan Labh (936): ₹47–₹50 per ₹1,000 sum assured (16–25 years).
  • LIC Jeevan Umang (945): ₹45–₹46 per ₹1,000 sum assured (Whole life).

📌 Key Details

  • Calculation: Rate × (Basic Sum Assured / 1,000).
  • Type: Simple reversionary bonus declared yearly based on valuation.
  • Additions: Final additional bonuses (FAB) and loyalty additions may apply separately.

What are the LIC bonus rates for 2026 and 2027?

Life Insurance Corporation of India (LIC) allocated a record ₹59,726 crore bonus to eligible participating policyholders for FY2026, with annual simple reversionary bonus rates typically ranging between ₹40 and ₹52 per ₹1,000 of the Basic Sum Assured depending on the specific plan and policy term.

Key Details on LIC Bonus Rates

  • Record Allocation: LIC distributed ₹59,726 crores following strong growth in profitability and a Value of New Business (VNB) increase.
  • Calculation Method: Reversionary bonuses are declared as a specific rupee amount per ₹1,000 of the Basic Sum Assured and vest annually.
  • Plan Highlights: Traditional plans like Jeevan Anand (Plan 915) and Jeevan Umang (Plan 945) average robust rates around ₹49 to ₹52 per ₹1,000 Sum Assured for longer terms.
  • Final Additional Bonus (FAB): Terminal or loyalty bonuses apply to longer policy terms (typically 15 years or more) and scale higher for a Sum Assured of ₹5 lakh and above.

What is the current LIC bonus rate per year?

LIC yearly bonus rates range typically between ₹20 and ₹55 per ₹1,000 of the sum assured, depending on your specific policy type, term duration, and sum assured amount.

How LIC Bonus Rates Work

  • Variable Profits: LIC declares bonuses annually based on its yearly actuarial valuation and surplus profits. They are not guaranteed in advance.
  • Simple Reversionary Bonus: Most participating (with-profit) plans accrue a simple reversionary bonus each year that is paid out during maturity, surrender, or death.
  • Sum Assured Slabs: LIC applies higher bonus rates (often ₹1 to ₹2 extra per ₹1,000 sum assured) for policies with higher sum assured thresholds, such as ₹5 lakh or ₹10 lakh and above.

Types of LIC Bonuses

  • Simple Reversionary Bonus: Added to your policy balance every year.
  • Interim Bonus: Paid if a claim, surrender, or maturity happens mid-year before the new annual rates are officially announced.
  • Final Additional Bonus (FAB): A one-time extra bonus paid on older or maturing long-term policies.
  • Loyalty Additions: Rewarded for maintaining long-term policies without lapsing.

You can check the exact current bonus rate for your specific policy number by logging into the LIC Customer Portal or by reviewing official disclosures on the LIC India website.

What is the latest news on LIC bonus shares?

LIC's 1:1 bonus issue reached its record and ex-date on May 29, 2026, doubling shareholder equity and adjusting share prices proportionally.

📊 Key Corporate Action Details

  • Bonus Ratio: 1:1 (one extra share per share held)
  • Record Date & Ex-Date: May 29, 2026
  • Capitalisation Size: ₹6,325 crore from reserves
  • Post-Bonus Capital: Increased to ₹12,649.99 crore
  • Total Shares Outstanding: Doubled to ~1,265 crore

💡 Strategic Impact

  • Liquidity Boost: Lower adjusted stock price improves retail participation.
  • Float Requirements: Helps the government dilute its 96.5% stake over time.
  • Strong Earnings: Backed by a 23.2% rise in Q4 FY26 net profit.

What is the LIC dividend expected in 2026?

The Life Insurance Corporation of India declared a final dividend of ₹10.00 per equity share (face value ₹10) for the financial year 2025–26, which is equivalent to ₹20.00 per share on a pre-bonus issue basis.

Dividend Key Details

  • Announcement Date: May 21, 2026
  • Record Date / Ex-Date: June 25, 2026
  • Approval Date: July 27, 2026 (at the 5th Annual General Meeting)
  • Payment Date: On or before August 25, 2026
  • Eligibility: Shareholders who owned shares on or before June 24, 2026

LIC Bonus Rates in Hindi | Bonus Rates for the Year 2024-25 Under All Individual In-force Plans

9 related questions found

What is the final additional bonus in LIC?

The Final Additional Bonus (FAB) in Life Insurance Corporation of India (LIC) is a one-time terminal bonus paid out when a participating policy results in a claim by maturity or death.

Key Details of the Final Additional Bonus

  • Purpose: It rewards long-term policyholders by sharing the corporation's surplus at the end of the policy's lifecycle.
  • Eligibility: It generally applies to policies that have run for a minimum duration (usually 15 years or more) and are fully in-force.
  • Calculation: The rate scales based on the policy's duration (number of years completed) and the sum assured slab. It is paid per ₹1,000 of the basic sum assured.
  • Exclusions: FAB is typically not payable under short-term policies or standard paid-up policies where premiums have been discontinued.
  • Not Guaranteed: Unlike simple reversionary bonuses that vest annually, FAB is declared at the discretion of LIC based on its valuation and experience. Most users on Quora agree that FAB is not a guaranteed yearly addition and depends entirely on LIC's final claim evaluation and declarations.

Does LIC give bonuses every year?

Yes, the Life Insurance Corporation of India (LIC) generally declares bonuses every year for its participating (with-profit) policyholders, but these bonuses are not legally guaranteed.

How LIC Bonuses Work

  • Annual Declaration: LIC usually evaluates its financial surplus annually—based on its valuation around March—and declares bonus rates typically around September 1st to coincide with its founding day.
  • Profit-Dependent: The bonus amounts depend on LIC’s annual profits, investment returns, and overall financial health. If the corporation makes a surplus, bonuses are allotted.
  • Eligible Plans: Bonuses apply only to participating policies like traditional endowment plans and money-back policies. Pure term insurance or non-participating plans do not receive these bonuses.
  • Simple Reversionary Bonus: Most LIC yearly bonuses accrue as simple interest based on the sum assured (e.g., a set amount per ₹1,000 of the sum assured).
  • Payout Timing: You cannot withdraw annual bonuses in cash while the policy is active. They accumulate and are paid out only during maturity, a death claim, or surrender of the policy.

You can view your accumulated policy bonuses by logging into the official LIC Customer Portal.

How do I know my LIC bonus amount?

You can check your accumulated Life Insurance Corporation (LIC) bonus amount by logging into the LIC Customer Portal.

Online Methods

  • LIC Customer Portal: Go to the official website, log in to your account, navigate to Basic Services, select Policy Status, choose your policy number, and click Basic Information to see your accrued bonuses.
  • MYLIC App: Download the mobile app, sign in with your policy details, and view your policy summary for vested bonuses and maturity estimates.

Offline and Alternative Methods

  • LIC Agent: Contact your local agent who can pull up your updated policy statements and bonus accumulations.
  • Branch Visit: Visit your servicing LIC branch office with your policy bond for a detailed statement.
  • Customer Support: Call LIC customer care or the interactive voice response (IVRS) helpline at +91-022-6827 6827.

What is the bonus rate for LIC Jeevan Umang?

The bonus rate for LIC's Jeevan Umang (Plans 845 and 945) generally ranges from Rs 46 to Rs 70 per thousand of the Basic Sum Assured annually, depending on your age and the premium paying term (PPT).

Typical Bonus Rates by Term and Age

  • 15-Year PPT: Ranges from Rs 48 to Rs 67 per Rs 1,000 of the Sum Assured.
  • 20-Year PPT: Ranges from Rs 47 to Rs 70 per Rs 1,000 of the Sum Assured.
  • 25-Year PPT: Ranges from Rs 46 to Rs 65 per Rs 1,000 of the Sum Assured.
  • 30-Year PPT: Ranges from Rs 46 to Rs 60 per Rs 1,000 of the Sum Assured.

Types of Bonuses

  • Simple Reversionary Bonus: Declared and added each year based on the valuation.
  • Final Additional Bonus: A one-time extra bonus that may be payable at maturity or death.

What is the expected share price of LIC in 2026?

The expected consensus target for Life Insurance Corporation of India (LIC) (NSE: LICI) shares through 2026 generally ranges between ₹480 and ₹538, though individual brokerage estimates vary widely based on market conditions.

Analyst Forecast Breakdown

  • Average/Consensus Target: Around ₹490 to ₹538, representing an implied upside from its current trading price near ₹393.
  • Brokerage Estimates:
    • Motilal Oswal: Maintains a Buy rating with a target of ₹500.
    • ICICI Securities: Maintains a Buy rating with a target of ₹480.
    • Broader Range: Independent technical and fundamental projections span a wider spectrum, with minimum estimates near ₹388 and aggressive bull-case targets scaling higher depending on premium growth and margin expansion.

Note: Stock forecasts fluctuate frequently following quarterly earnings reports and shifting macroeconomic trends. These figures do not constitute financial advice.