LIC Jeevan Labh Maturity Calculator: Kaise Use Kare aur Faayde Kya Hain? LIC Jeevan Labh Plan (Table-936) ek popular endowment plan hai jo aapko life cover ke saath investment ka bhi faayda deta hai. Aaj hum baat karenge LIC Jeevan Labh 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 agar aap apne aur apne parivaar ke future ko secure karna chahte hain, toh Life Insurance Corporation (LIC) ke plans ko consider karna ek wise decision hai.
LIC Jeevan Labh Maturity Calculator as below:
LIC Jeevan Labh Maturity Calculator
LIC Jeevan Labh Plan (Table-936) Kya Hai?
LIC Jeevan Labh Plan ek limited premium paying, non-linked, with-profits endowment plan hai. Yeh plan life insurance ke saath savings aur investment ka bhi faayda deta hai. Is plan mein aapko policy term ke end par maturity benefit milta hai, aur agar during policy term kuch unfortunate ho jata hai, toh aapke nominee ko death benefit milta hai.
Jeevan Labh Plan Ke Key Features
– Age Criteria: Policy lene ke liye aapki age 8 se 59 saal ke beech honi chahiye.
– Policy Term: 16, 21, aur 25 saal ke policy terms available hain. Premium paying terms respectively 10, 15, aur 25 saal hote hain.
– Maximum Age at Maturity: Policy maturity ke time aapki maximum age 75 saal ho sakti hai.
– Maturity Amount: Policy term ke completion par aapko Basic Sum Assured + Accumulated Simple Reversionary Bonus (Bonus) + Final Additional Bonus (FAB) milta hai.
– Death Sum Assured: Basic Sum Assured ya 7 times of Annualised Premium, jo bhi higher ho.
– Death Claim Amount: Death Sum Assured + Accumulated Simple Reversionary Bonus (Bonus) + Final Additional Bonus (FAB) + Term Rider Sum Assured (if opted).
Available Riders
– Accidental and Disability Benefit Rider
– Term Assurance Rider
– Accidental Benefit 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 Labh Maturity Calculator Use Karne Ke Steps
1. Policy Details Enter Karein: Sabse pehle aapko apne policy ke details jaise policy term, premium paying term, premium amount, aur sum assured enter karne hote hain.
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 Labh 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: Conclusion: LIC Jeevan Labh Maturity Calculator
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 Labh policy li hai jiska basic sum assured ₹5,00,000 hai aur policy term 21 saal ka hai. Aapka annual bonus rate ₹50 per ₹1,000 sum assured hai aur FAB ₹1,00,000 hai.
Toh maturity amount calculates karne ke liye:
– Annual Bonus: (₹5,00,000 / ₹1,000) * ₹50 = ₹25,000
– Total Bonus for 21 years: ₹25,000 * 21 = ₹5,25,000
– Maturity Amount: Basic Sum Assured + Total Bonus + FAB = ₹5,00,000 + ₹5,25,000 + ₹1,00,000 = ₹11,25,000
Is example se aap dekh sakte hain ki kaise LIC Jeevan Labh maturity calculator use karke aap apna maturity amount easily calculate kar sakte hain.
Aur Bhi Jankari Ka Liya:
Conclusion: LIC Jeevan Labh Maturity Calculator
LIC Jeevan Labh 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 Labh 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 Labh maturity calculator ka use karke apne investments ko aur bhi zyada effective banayein.
Aur Bhi Blogs Ka Liya:
LIC Maturity Amount Calculator