LIC Bima Jyoti Plan

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LIC Bima Jyoti Plan
LIC Bima Jyoti Plan

LIC Bima Jyoti Plan: A Complete Guide 2025
LIC (Life Insurance Corporation of India) hamesha se apne reliable aur beneficial plans ke liye famous hai, aur LIC Bima Jyoti Plan unhi plans mein se ek hai. Yeh ek non-linked, non-participating, individual savings plan hai jo aapko guaranteed returns ke sath life cover bhi provide karta hai.

Agar aap is plan ke baare mein detail mein jaan-na chahte hain, toh yeh blog aapke liye hai. Hum discuss karenge LIC Bima Jyoti Plan ke premium chart, PDF, benefits, maturity calculator aur aur bhi important topics.



LIC Bima Jyoti Plan Features (Key Highlights)

  • Plan Type: Non-linked, non-participating savings plan.
  • Guaranteed Additions: Plan ke end tak har policy year par guaranteed additions (Rs. 50 per Rs. 1,000 sum assured) milte hain.
  • Policy Term: 15 se 20 saal.
  • Premium Paying Term: Policy term se 5 saal kam (10 se 15 saal).
  • Maturity Benefits: Policy term complete hone par maturity amount with guaranteed additions milega.
  • Life Cover: Policyholder ki death par sum assured with guaranteed additions milta hai.
  • LIC Bima Jyoti Premium Chart

LIC Bima Jyoti Premium Chart


LIC Bima Jyoti Plan ka premium aapke age, policy term, aur sum assured par depend karta hai. Yaha ek example premium chart diya gaya hai:

LIC Bima Jyoti Premium Chart



LIC Bima Jyoti Plan PDF


Plan ke baare mein detailed information ke liye LIC Bima Jyoti ka official brochure download karna best option hai. Aap is PDF mein yeh sab details dekh sakte hain:

Plan features
Benefits
Premium calculation
Policy terms and conditions


Download LIC Bima Jyoti Plan PDF



LIC Bima Jyoti Plan Benefits

  • Guaranteed Additions: Har policy year par Rs. 50 per Rs. 1,000 sum assured ka benefit milega.
  • Maturity Benefit: Policy term complete hone par sum assured with guaranteed additions milega.
  • Death Benefit: Policyholder ki death hone par nominee ko sum assured with guaranteed additions diya jayega.
  • Loan Facility: Policy ke against loan lene ki facility available hai.
  • Tax Benefits: Premium payments aur maturity/death benefits dono par Income Tax Act ke under tax exemption milta hai.
  • Flexibility: Policyholders ke paas riders add karne ka option hai.

LIC Bima Jyoti Plan Maturity Calculator

LIC Bima Jyoti Maturity Calculator




  • Plan ki maturity value calculate karna easy hai. Aapko sum assured, policy term, aur guaranteed additions ka dhyan rakhna hoga. Example ke liye:
  • Sum Assured: Rs. 10,00,000
  • Policy Term: 20 years
  • Guaranteed Additions: Rs. 50 per Rs. 1,000 per year
  • Maturity Amount:
  • 10,00,000 + (10,00,000 x 50/1,000 x 20 years) = Rs. 20,00,000
  • (Note: Exact calculation ke liye LIC ka maturity calculator ya agent se contact karein.)
  • Other Important Details

Eligibility Criteria:

  • Minimum Age: 90 days
  • Maximum Age: 60 years
  • Minimum Sum Assured: Rs. 1,00,000
  • Maximum Sum Assured: No limit

Surrender Value

  • Surrender Value: Agar aap plan ko prematurely surrender karte hain, toh surrender value milega.
  • Free-Look Period: Policy issue hone ke baad aapko 15 days ka free-look period milta hai.
  • Policy Revival: Lapsed policy ko revive karna possible hai, lekin conditions apply hoti hain.

Aur Bhi Information Ka Liya:-

LIC Official Website


Conclusion

LIC Bima Jyoti Plan ek reliable aur secure investment option hai jo aapko financial stability ke sath insurance protection bhi deta hai. Agar aap ek plan dhundh rahe hain jo guaranteed returns ke sath life cover provide kare, toh yeh plan aapke liye perfect hai.

Aapke questions ya suggestions hain toh comment section mein likhein aur is plan ke baare mein apne LIC agent ya branch se sampark karein!


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