Plan 863 Actuarion Engine 2026

LIC Dhan Rekha (Plan 863) Premium & Returns Calculator

Model LIC's modern money-back plan. Offers single or limited premium options, guaranteed additions, and periodic survival cashbacks.

Guaranteed Additions: High additions added annually from 6th year

Survival Money-Back: Regular cash benefits paid during the term

Flexible Premiums: Choose between Single, Limited, or Regular Pay

Special Premium Rates for Female Lives

Full Section 80C tax rebates and 10(10D) tax-exempt payouts

LIC Dhan Rekha Inputs

LIC Dhan Rekha (Plan 863) specialized calculator. Adjust your sliders to recalculate active returns.

1. Basic Sum Assured (₹)₹5,00,000

2. Age of Proposer/Insured (Years)30 Years Old

Premium Payment Frequency

Plan 863

Estimated Maturity Returns

₹9,45,000

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:₹2,247

Renewal Premium (Year 2+):₹2,198

Total Estimated Premiums Paid:₹22,029

Basic Sum Assured:₹5,00,000

Accumulated Endowment Bonuses:₹4,20,000

Estimated Net Maturity Benefit:₹9,45,000

Returns Performance42.90x Return

Guide to LIC Dhan Rekha Plan (Plan 863)

LIC's Dhan Rekha (Plan 863) is a non-linked, non-participating, individual life assurance savings plan. It uniquely combines savings with protection. A major highlight is that 100% of the basic Sum Assured is paid back during the policy term via survival benefits, and at maturity, the policyholder still receives the full Sum Assured again along with accrued Guaranteed Additions. This makes it an exceptionally lucrative money-back product.

Plan Eligibility & Key Actuarial Limits

Policy parameter	Details and limits
Minimum Entry Age	90 Days (Terms 30/40), 8 Years (Term 20)
Maximum Entry Age	35 to 60 Years (based on term and PPT)
Minimum Sum Assured	₹2,00,000
Maximum Sum Assured	No Limit
Policy Terms Available	20, 30, or 40 Years
Guaranteed Additions	Starts from ₹50 per ₹1000 SA, increasing over time

Tax Benefits & Payout Options

Premiums qualify for Section 80C deductions. The money-back benefits and final maturity payouts are tax-free under Section 10(10D).

Frequently Asked Questions (FAQs)

What survival benefits are paid under Dhan Rekha?

For a 20-year term, 10% of SA is paid at the end of the 10th and 15th year. For a 30-year term, 15% is paid at the end of the 15th, 20th, and 25th year. For a 40-year term, 20% is paid at the end of the 20th, 25th, 30th, and 35th year.

What is paid on maturity under Plan 863?

On surviving the term, the policyholder receives 100% of the Basic Sum Assured along with accumulated Guaranteed Additions, even though survival benefits have already been paid.

Are premiums lower for female policyholders?

Yes, LIC offers special lower premium rates for female lives under this plan.

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Ahmedabad, Gujarat

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Bangalore, Karnataka

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