LIC Late Fee Calculator: Apni Policy Ko Bina Kisi Tension Ke Renew Karein!
LIC (Life Insurance Corporation of India) ki policies ek surakshit bhavishya ka vada karti hain. Lekin kabhi-kabhi kisi wajah se policy ka premium time par nahi bhar paate hain, jiski wajah se policy lapse hone ka dar hota hai.
LIC policyholders ko ek grace period deti hai jisme late fee ke saath premium jama karke policy ko active rakha ja sakta hai. Is blog me hum LIC Late Fee Calculator ke baare me baat karenge jo aapko ye calculate karne me madad karega ki aapko late payment par kitna extra charge dena padega.
LIC Late Fee Kya Hai?
Jab aap apni LIC policy ka premium due date tak nahi bharte, to LIC aapko ek grace period deti hai:
Monthly Premium Policies: 15 din ka grace period
Quarterly, Half-Yearly, aur Yearly Policies: 30 din ka grace period
Agar aap grace period ke andar premium nahi bharenge, to policy lapse ho sakti hai. Is wajah se late fee ka charge lagta hai jab aap policy renew karne ka sochte hain.
LIC Late Fee Calculation Formula
Late fee ka calculation kuch is prakaar hota hai:
📌 Late Fee Formula:
Late Fee = (Total Due Premium * 9.5% per annum) + GST
Minimum late fee: ₹5
Maximum late fee: Varies based on the premium amount
GST Charges: 18% (as applicable)
Example:
Agar aapka due premium ₹10,000 hai aur aap 2 mahine late kar rahe hain, to late fee kuch is prakaar calculate hogi:
Late Fee = (10,000 * 9.5% * 2/12) + GST
Late Fee = (₹158) + (18% GST)
Final Late Fee = ₹186
LIC Late Fee Calculator Kaise Kaam Karta Hai?
Ye calculator aapko bina kisi manual calculation ke turant bata dega ki aapko kitni late fee pay karni hogi. Aapko sirf ye details enter karni hogi:
✔ Policy Number
✔ Total Due Premium
✔ Policy Type
✔ Due Date aur Late Days
LIC Late Fee Calculator:
Aur Bhi Jankari Ka Liya:-
FAQ: LIC Late Fee Se Jude Sawal
Q1: Kya LIC Late Fee sabhi policies par apply hoti hai?
A1: Haan, har policy jisme premium due hota hai uspar late fee lagti hai.
Q2: Kya LIC ke grace period ke baad bhi policy renew ki ja sakti hai?
A2: Haan, lekin aapko extra late fee aur interest charges dene honge.
Q3: Kya LIC Late Fee ke upar bhi GST lagta hai?
A3: Haan, 18% GST late fee par applicable hota hai.
Q4: Kya LIC policy ko online renew kiya ja sakta hai?
A4: Haan, aap LIC ki official website ya My LIC App se online renewal kar sakte hain.
Q5: Kya LIC Late Fee refund hoti hai agar maine galti se zyada pay kar diya?
A5: Nahi, late fee once paid refundable nahi hoti.
Conclusion
Agar aapne apni LIC policy ka premium late kar diya hai to LIC Late Fee Calculator aapko instantly bata sakta hai ki aapko kitna extra amount pay karna hoga. Ye tool LIC policyholders ke liye kaafi useful hai jo time par apni policy renew karna chahte hain. Aaj hi apni LIC policy check karein aur bina kisi tension ke apni policy active karein!
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