Plan 797 ULIP Engine 2026

LIC Profit Plus (Plan 797) Premium & Returns Calculator

Model LIC's unit-linked endowment plan. Track fund value growth across equity, debt, and balanced funds over your policy term.

Market Linked Savings: Combine endowment benefits with market growth

Flexible Premium options: Choose Single premium or Regular payments

Partial Withdrawal allowed after 5 lock-in years

Rider Options: Accident Benefit rider protection

Tax deductions u/s 80C on premiums paid

LIC Profit Plus Inputs

LIC Profit Plus (Plan 797) 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 797

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 Profit Plus Plan (Plan 797)

LIC's Profit Plus (Plan 797) is a unit-linked endowment plan. It enables investors to direct their savings into market-linked funds, including Growth Fund, Balanced Fund, Secured Fund, and Bond Fund. The policy pays the accumulated fund value at maturity, or a death benefit to the nominee in case of the policyholder's demise during the term.

Plan Eligibility & Key Actuarial Limits

Policy parameter	Details and limits
Minimum Entry Age	8 Years
Maximum Entry Age	65 Years
Minimum Premium	₹10,000 (Annualized) / ₹20,000 (Single Pay)
Maximum Premium	No Limit
Policy Term Options	10 to 20 Years

Tax Benefits & Payout Options

Premiums qualify for Section 80C tax deductions. Maturity proceeds are tax-exempt under Section 10(10D), subject to ULIP premium caps.

Frequently Asked Questions (FAQs)

Is Profit Plus still active for new sales?

No, Plan 797 has been withdrawn. Existing policyholders can use this tool to calculate their active values.

What is the death benefit under Profit Plus?

In the event of the policyholder's demise during the term, the nominee receives the higher of the basic Sum Assured or the policy Fund Value.

Can I surrender this policy?

Yes, you can surrender the policy. If surrendering after 5 years, the full fund value is paid out with no surrender charges.

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Mumbai, Maharashtra

Term Insurance

2 weeks ago

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Delhi, NCR

Endowment Plan

1 month ago

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Ahmedabad, Gujarat

Whole Life Plan

3 weeks ago

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Bangalore, Karnataka

Endowment Plan

1 week ago

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Pune, Maharashtra

Term Insurance

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Chennai, Tamil Nadu

ULIP

3 weeks ago

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Kolkata, West Bengal

Endowment Plan

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Hyderabad, Telangana

Whole Life Plan

2 weeks ago

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