Plan 804 ULIP Engine 2026

LIC Samridhi Plus (Plan 804) Premium & Fund Value Calculator

Model LIC's legacy unit-linked plan. Project fund values across debt, balanced, and equity funds with built-in risk cover benefits.

Unit Linked Structure: Market-linked growth with debt/equity options

Flexible PPT: Single premium or limited premium paying options

Partial Withdrawals allowed after 5 lock-in years

Accident Benefit Rider options available

Tax exemptions on premiums u/s 80C

LIC Samridhi Plus Inputs

LIC Samridhi Plus (Plan 804) 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 804

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 Samridhi Plus Plan (Plan 804)

LIC's Samridhi Plus (Plan 804) is a unit-linked insurance plan (ULIP) designed to offer a combination of investment and protection. Policyholders can choose to allocate their premiums across four different fund types: Bond Fund, Secured Fund, Balanced Fund, and Growth Fund. It serves existing policyholders looking to track their accumulated fund values and surrender projections.

Plan Eligibility & Key Actuarial Limits

Policy parameter	Details and limits
Minimum Entry Age	8 Years
Maximum Entry Age	65 Years
Minimum Premium	₹30,000 (Single Pay), ₹15,000 (Annualized Limited Pay)
Policy Term Range	10 to 20 Years
Premium Payment Term	Single Pay or 5 Years Limited Pay

Tax Benefits & Payout Options

Premiums qualify for Section 80C deductions. Maturity fund value is tax-exempt under Section 10(10D), subject to the ₹2.5 Lakh annual premium cap for ULIPs.

Frequently Asked Questions (FAQs)

Is LIC Samridhi Plus open for new enrollment?

No, Plan 804 has been withdrawn. Existing policyholders can use this tool to calculate their estimated fund values.

What happens on maturity under Plan 804?

On surviving the maturity date, the policyholder receives the accumulated Fund Value at the current Net Asset Value (NAV).

What is the death benefit payout under Samridhi Plus?

In case of death during the term, the nominee receives the higher of the Basic Sum Assured or the policy Fund Value.

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Mumbai, Maharashtra

Term Insurance

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Delhi, NCR

Endowment Plan

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Ahmedabad, Gujarat

Whole Life Plan

3 weeks ago

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Bangalore, Karnataka

Endowment Plan

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Pune, Maharashtra

Term Insurance

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ULIP

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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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