Plan 869 Actuarion Engine 2026

LIC Dhan Vriddhi (Plan 869) Single Premium & Returns Calculator

Model LIC's single-premium savings plan. Pay once to secure guaranteed additions of up to ₹75 per ₹1,000 Sum Assured added to your policy annually.

Single Premium: One-time payment keeps policy active for the full term

High Guaranteed Additions: Up to ₹75 per ₹1,000 Sum Assured added annually

Flexible Risk Cover: Option to choose between 1.25x or 10x risk cover

High Liquidity: Policy loan available after just 3 months

Sovereign Tax Shield benefits u/s 80C and 10(10D)

LIC Dhan Vriddhi Inputs

LIC Dhan Vriddhi (Plan 869) 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

3. Policy Coverage Term (Years)15 Years

Premium Payment Frequency

Plan 869

Estimated Maturity Returns

₹10,50,000

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.

$Single Premium:₹3,91,353

Total Estimated Premiums Paid:₹3,91,353

Basic Sum Assured:₹5,00,000

Accumulated Guaranteed Additions:₹5,25,000

Estimated Net Maturity Benefit:₹10,50,000

Returns Performance2.68x Return

Guide to LIC Dhan Vriddhi Plan (Plan 869)

LIC's Dhan Vriddhi (Plan 869) is a non-linked, non-participating, individual savings plan. It requires a single premium payment at the start. It offers guaranteed returns through high annual additions ranging from ₹60 to ₹75 per ₹1,000 Sum Assured, depending on the chosen term, sum assured, and risk cover option. Policyholders can choose a risk cover of 1.25 times the single premium (Option 1) or 10 times the single premium (Option 2).

Plan Eligibility & Key Actuarial Limits

Policy parameter	Details and limits
Minimum Entry Age	90 Days (Term 18), 8 Years (Term 10)
Maximum Entry Age	60 Years (Option 1), 40 Years (Option 2)
Minimum Sum Assured	₹1,25,000
Maximum Sum Assured	No Limit
Policy Terms Available	10, 15, or 18 Years
Risk Cover Options	Option 1: 1.25x Single Premium, Option 2: 10x Single Premium

Tax Benefits & Payout Options

Premiums qualify for Section 80C. Payouts are 100% tax-free under Section 10(10D) if you select Option 2 (10x risk cover). If you select Option 1, maturity payouts may attract tax under current guidelines.

Frequently Asked Questions (FAQs)

What are the Guaranteed Additions rates in Dhan Vriddhi?

For Sum Assured above ₹7 Lakhs, the Guaranteed Additions are: ₹75 per ₹1000 SA (Term 18, Option 1), and ₹70 per ₹1000 SA (Term 18, Option 2). Rates are slightly lower for smaller sum assured bands.

How soon can I take a loan against Dhan Vriddhi?

Since it is a single premium plan, you can secure a policy loan after completing just 3 months of policy duration.

Which Option should I choose for tax benefits?

Option 2 (10x risk cover) is recommended to ensure that the maturity proceeds are fully tax-exempt under Section 10(10D), as the death cover meets the 10x annual premium threshold.

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