Plan 944 Actuarion Engine 2026

LIC Aadhaar Shila Female Premium & Returns Calculator

Model LIC's exclusive endowment savings plan designed for female lives holding an Aadhaar card. Low premium rates and loyalty additions.

Exclusively for Females holding a valid Aadhaar card
Low Premium Rates: Highly accessible savings plan
Loyalty Additions paid upon maturity or death claim
Auto-Debit options via NACH or Salary Deductions
Tax deductions u/s 80C and tax-free payouts u/s 10(10D)
LIC Aadhaar Shila Inputs
LIC Aadhaar Shila (Plan 944) specialized calculator. Adjust your sliders to recalculate active returns.
2,00,000
30 Years Old
15 Years
Plan 944

Estimated Maturity Returns

3,36,000

Estimated returns payout at policy maturity

Actuarial Projections
  • Sovereign-backed security of sum assured and returns u/s 10(10D).
  • Eligible for annual premium tax exemptions under Section 80C.
  • Loan and policy surrender values accumulate continuously.
$First Year Premium:613
Renewal Premium (Year 2+):600
Total Estimated Premiums Paid:9,013
Basic Sum Assured:2,00,000
Accumulated Endowment Bonuses:1,26,000
Estimated Net Maturity Benefit:3,36,000
Returns Performance37.28x Return

Guide to LIC Aadhaar Shila Plan (Plan 944)

LIC's Aadhaar Shila (Plan 944) is a non-linked, participating endowment plan designed exclusively for female lives. To apply, the proposer must possess a valid Aadhaar card issued by UIDAI. It is structured as a low-cost savings-cum-insurance product, making it ideal for women seeking basic life cover and disciplined savings. Payouts accrue loyalty additions over the term.

Plan Eligibility & Key Actuarial Limits

Policy parameterDetails and limits
Minimum Entry Age (Female)8 Years (Completed)
Maximum Entry Age (Female)55 Years
Maximum Maturity Age70 Years
Minimum Sum Assured₹75,000
Maximum Sum Assured₹3,00,000 (across all Aadhaar Shila policies)
Policy Term Range10 to 20 Years

Tax Benefits & Payout Options

Premiums qualify for Section 80C tax relief. Maturity proceeds and death benefits are completely tax-exempt under Section 10(10D).

Frequently Asked Questions (FAQs)

Is Aadhaar Shila open to male lives?
No, Aadhaar Shila is strictly designed for females. Male lives can buy the corresponding plan, LIC Aadhaar Stambh (Plan 943).
What is the maximum sum assured I can select?
The maximum basic Sum Assured is capped at ₹3,00,000 across all active Aadhaar Shila policies for an individual.
Does this plan pay annual reversionary bonuses?
No, Aadhaar Shila participates in LIC's profits through Loyalty Additions paid at maturity or on death after 5 policy years.
Trusted by 10,000+ Indians

Don't Just Take Our Word For It

See how our actuarial precision is helping thousands make smarter, faster insurance decisions every single day.

Rajesh Kumar
Rajesh Kumar
Mumbai, Maharashtra
Term Insurance
2 weeks ago

"Excellent calculator! It helped me understand the premium structure before meeting with an LIC agent. The estimates were quite close to the actual premium I was quoted. Very user-friendly interface."

Priya Sharma
Priya Sharma
Delhi, NCR
Endowment Plan
1 month ago

"I used this calculator to compare different policy types. The breakdown helped me choose the right endowment plan for my family. Saved me a lot of time and confusion. Highly recommended!"

Amit Patel
Amit Patel
Ahmedabad, Gujarat
Whole Life Plan
3 weeks ago

"Good tool for getting a quick estimate. The calculator is easy to use and provides clear results. However, I noticed the actual premium was slightly higher due to my medical history, which is expected."

Sneha Reddy
Sneha Reddy
Bangalore, Karnataka
Endowment Plan
1 week ago

"This calculator made my insurance planning so much easier! I could test different scenarios and find the best policy that fits my budget. The maturity amount calculation was particularly helpful."

Vikram Singh
Vikram Singh
Pune, Maharashtra
Term Insurance
2 months ago

"As a first-time insurance buyer, this tool was invaluable. It helped me understand how premiums work and what to expect. The FAQs section also answered many of my questions. Great resource!"

Anjali Mehta
Anjali Mehta
Chennai, Tamil Nadu
ULIP
3 weeks ago

"Very helpful calculator! I appreciated being able to compare different policy types side by side. The interface is clean and professional. Would love to see more policy options added in the future."

Rohit Verma
Rohit Verma
Kolkata, West Bengal
Endowment Plan
1 month ago

"Used this calculator before purchasing my LIC policy. The premium estimate was accurate, and it helped me plan my finances better. The design is modern and the tool is very intuitive to use."

Kavita Nair
Kavita Nair
Hyderabad, Telangana
Whole Life Plan
2 weeks ago

"Excellent tool! I calculated premiums for multiple scenarios and found the perfect policy for my needs. The maturity amount projection helped me plan for my retirement. Thank you for this resource!"

4.8/5

Average Rating

10K+

Premium Calculations

95%

User Satisfaction