Plan 873 ULIP Engine 2026

LIC Index Plus (Plan 873) Fund Value Calculator

Model LIC's modern unit-linked plan. Secure life cover while investing in index-linked funds tracking the Nifty 50 or Nifty Flexicap indexes.

Index-Linked Growth: Invest in Nifty 50 or Nifty Flexicap index funds

Guaranteed Additions: Added to fund value at specific intervals

Flexible Premium: Regular payment mode with low minimum entries

Partial Withdrawal allowed after 5 lock-in years

Tax exemptions on maturity gains u/s 10(10D) (up to ₹2.5L premium)

LIC Index Plus Inputs

LIC Index Plus (Plan 873) specialized calculator. Adjust your sliders to recalculate active returns.

1. Annualized Premium (₹)₹1,00,000

2. Age of Investor (Years)30 Years Old

3. Policy Coverage Term (Years)15 Years

4. Fund Option

5. Assumed Returns rate

Plan 873

Estimated Maturity Returns

₹28,55,859

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.

Annual Premium:₹1,00,000

Total Invested (over 15 years):₹15,00,000

Active Life Cover Sum Assured:₹10,00,000

Estimated Maturity Fund Value:₹28,55,859

Assumed Compounding IRR:8% p.a.

Returns Performance1.90x Return

Guide to LIC Index Plus Plan (Plan 873)

LIC's Index Plus (Plan 873) is a unit-linked, regular premium, individual life insurance plan. It allows policyholders to gain market returns by investing premiums into index funds that track the Nifty 50 Index or Nifty Flexicap Index. The plan provides life cover while offering guaranteed additions to boost the fund value in later years, plus the flexibility of fund switching.

Plan Eligibility & Key Actuarial Limits

Policy parameter	Details and limits
Minimum Entry Age	90 Days (Child) / 18 Years (Adult)
Maximum Entry Age	50 Years (Term 25), 60 Years (Term 10/15)
Minimum Premium	₹20,000 (Yearly) / ₹2,000 (Monthly NACH)
Maximum Premium	No Limit
Policy Term Options	10 to 25 Years
Fund Options	Flexicap Index Fund, Nifty 50 Index Fund

Tax Benefits & Payout Options

Premiums qualify for Section 80C deductions. Maturity fund value is 100% tax-free under Section 10(10D), provided the annual premium does not exceed ₹2.5 Lakhs across all ULIP policies.

Frequently Asked Questions (FAQs)

What is the lock-in period for LIC Index Plus?

Like all ULIPs in India, LIC Index Plus has a mandatory 5-year lock-in period. No withdrawals or surrenders are permitted during this timeframe.

What are the Guaranteed Additions in Plan 873?

Guaranteed Additions are added as a percentage of the annualized premium (ranging from 3% to 12%) at the end of the 6th, 10th, 15th, 20th, and 25th policy years, provided premiums are paid up.

Can I switch funds under this plan?

Yes, you can switch your investments between the Nifty 50 Index Fund and the Flexicap Index Fund up to 4 times a year for free.

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