LIC Jeevan Anand Maturity Calculator: Kaise Use Kare aur Faayde Kya Hain? LIC Jeevan Anand Plan ek popular endowment plan hai jo life insurance aur savings ka combination provide karta hai.
Aaj hum baat karenge LIC Jeevan Anand maturity calculator ke baare mein, jise use karke aap easily apne policy ka maturity amount calculate kar sakte hain. Financial planning aaj ke zamaane mein bahut zaroori hai, aur Life Insurance Corporation (LIC) ke plans aapko life cover ke saath investment ka bhi faayda dete hain.
LIC Jeevan Anand Maturity Calculator
LIC Jeevan Anand Plan Kya Hai?
LIC Jeevan Anand Plan ek non-linked, with-profits endowment plan hai jo aapko life cover aur maturity benefit dono provide karta hai. Is plan mein, policyholder ko maturity ke baad bhi life cover milta rehta hai. Yeh plan aapke financial goals ko achieve karne mein madadgar ho sakta hai.
Jeevan Anand Plan Ke Key Features
– **Age Criteria**: Policy lene ke liye aapki minimum age 18 saal aur maximum age 50 saal honi chahiye.- **Policy Term**: 15 se 35 saal tak ke policy terms available hain.
– **Premium Payment Term**: Policy term ke equal hoti hai.
– **Sum Assured**: Minimum sum assured ₹1,00,000 hai.
– **Maturity Benefit**: Policy term ke end par aapko Basic Sum Assured + Accumulated Simple Reversionary Bonus (Bonus) + Final Additional Bonus (FAB) milta hai.
– **Death Benefit**: Policyholder ki death par nominee ko Basic Sum Assured + Accumulated Simple Reversionary Bonus (Bonus) + Final Additional Bonus (FAB) milta hai.
Available Riders
– **Accidental Death and Disability Benefit Rider**
– **Term Assurance Rider**
– **Critical Illness Rider**
– **Premium Waiver Benefit (PWB) Rider**
Surrender and Loan Facility
Agar aapne first 2 years ke sabhi premiums pay kar diye hain, toh aap policy surrender kar sakte hain ya loan le sakte hain.
Tax Benefit
Policy ke premiums Section 80C ke under exempted hain aur maturity ya death claim amount Section 10(10D) ke under tax-free hota hai.
LIC Jeevan Anand Maturity Calculator Use Karne Ke Steps
1. **Policy Details Enter Karein**: Sabse pehle aapko apne policy ke details enter karne hote hain jaise policy term, premium amount, aur sum assured.
2. **Bonus Rates Enter Karein**: LIC har saal apne policies par bonus declare karti hai. Yeh bonus rates bhi aapko enter karne hote hain.
3. **Calculate Button Press Karein**: Sabhi details fill karne ke baad, aapko calculate button press karna hota hai. Calculator aapko instantly maturity amount bata dega.
LIC Jeevan Anand Maturity Amount Calculation Kaise Hoti Hai?
Maturity amount calculate karne ke liye kuch important factors hote hain:
1. **Basic Sum Assured**: Yeh wo amount hai jo policyholder ko milta hai policy mature hone par.
2. **Accumulated Simple Reversionary Bonus**: LIC apni policies par har saal bonus declare karti hai jo maturity amount mein add hota hai.
3. **Final Additional Bonus (FAB)**: Policy term ke end par LIC FAB bhi declare karti hai jo maturity amount mein include hota hai.
Calculation Formula
Maturity Amount = Basic Sum Assured + Accumulated Simple Reversionary Bonus (Bonus) + Final Additional Bonus (FAB)
Yeh formula ek basic idea deta hai ki maturity amount kaise calculate hoti hai. Actual calculation thodi complex ho sakti hai kyunki different policies ke different features hote hain.
Example Se Samjhein
Maan lijiye aapne ek LIC Jeevan Anand policy li hai jiska basic sum assured ₹5,00,000 hai aur policy term 20 saal ka hai. Aapka annual bonus rate ₹50 per ₹1,000 sum assured hai aur FAB ₹1,00,000 hai.
Toh maturity amount calculate karne ke liye:- **Annual Bonus**: (₹5,00,000 / ₹1,000) * ₹50 = ₹25,000
– **Total Bonus for 20 years**: ₹25,000 * 20 = ₹5,00,000
– **Maturity Amount**: Basic Sum Assured + Total Bonus + FAB = ₹5,00,000 + ₹5,00,000 + ₹1,00,000 = ₹11,00,000
Is example se aap dekh sakte hain ki kaise LIC Jeevan Anand maturity calculator use karke aap apna maturity amount easily calculate kar sakte hain.
LIC Jeevan Anand Maturity Calculator Ke Benefits
1. **Easy and Convenient**: Yeh calculator use karna bahut easy hai. Aap ghar baithe apne computer ya mobile se apna maturity amount calculate kar sakte hain.2. **Time-Saving**: Aapko LIC office jaane ki zaroorat nahi hai. Online calculator use karke aapka bahut time bacha sakte hain.
3. **Accurate Estimates**: Yeh calculator aapko accurate estimates deta hai jo aapki financial planning mein madadgar sabit ho sakte hain.
4. **Financial Planning**: Aap apne future expenses aur investments ki planning easily kar sakte hain kyunki aapko pehle se pata hota hai ki maturity par kitna paisa milega.
Aur Bhi Jankari: LIC Jeevan Anand Maturity Calculator
Conclusion: LIC Jeevan Anand Maturity Calculator
LIC Jeevan Anand maturity calculator ek bahut hi useful tool hai jo aapko apne future financial plans ko better tarike se manage karne mein madad karta hai. Yeh tool use karna asaan hai aur aapko accurate estimates provide karta hai. Aap apne policy details enter karke easily apne policy ka maturity amount jaan sakte hain aur accordingly apni financial planning kar sakte hain.
Agar aapne abhi tak LIC Jeevan Anand policy nahi li hai, toh aaj hi sochiye aur apne future ko secure kijiye. LIC ke various plans explore kijiye aur jo aapke financial goals ke liye suitable ho, usse choose kijiye. LIC Jeevan Anand maturity calculator ka use karke apne investments ko aur bhi zyada effective banayein
Aur Bhi Blogs Ka Liya:
LIC Policy Surrender Value Calculator
LIC Maturity Amount Calculator