LIC Dhan Rekha Maturity Calculator

The LIC Dhan Rekha policy is a money-back plan that offers regular sums of money to policyholders. It also comes with guaranteed additions to the death and maturity benefits which increases the final amount that you are entitled to. The LIC Dhan Rekha maturity calculator will help you calculate this amount yourself before actually buying the policy. 

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Maturity benefit is the amount you get at the end of the policy term if you survive the whole duration. Knowing this value will help you decide if the LIC Dhan Rekha plan is worth the premiums charged and if you can afford it.

What Is The LIC Dhan Rekha Maturity Calculator?

It is a LIC calculator that lets you calculate the maturity benefit amount using a set of factors. It also displays the premium amount against your desired sum assured. Here are the factors that the LIC premium and maturity calculator uses -

Factors Considered By the LIC Dhan Rekha Maturity Calculator

  • Age

  • Policy term

  • Sum assured

  • Premium paying term

  • Type of premium payment

Based on the details that you fill in, the calculator arrives at a value. Therefore, every user gets a unique estimation as per their needs.

To fill in the above requirements, you need to be aware of the minimum and maximum eligibility conditions for LIC Dhan Rekha.

Eligibility Criteria of LIC Dhan Rekha

Policy Term 20 years 30 years 40 years
Minimum Entry Age 8 years 3 years 90 days
Maximum Entry Age (Single Premium) 60 years 50 years 40 years
Maximum Entry Age (Limited Premium) 55 years 45 years 35 years
Minimum Maturity Age 28 years 33 years 40 years
Maximum Maturity Age Single-Premium - 80 years
Limited Premium - 75 years
Sum Assured Minimum - Rs. 2 Lakhs
Maximum - No limit
Premium Paying Term 10 years 15 years 20 years

Sample Benefit Illustration Using the LIC Dhan Rekha Maturity Calculator

Here’s an example of how the calculator will use your details to give you the maturity benefit amount and the premium quote.

  • Entry Age - 26 years

  • Basic sum assured - Rs. 10 Lakhs

  • Policy Term - 20 years

  • Type of premium payment - Limited

  • Premium paying term - 10 years

  • Guaranteed addition from 6th year - Rs. 50 per Rs. 1000 sum assured

Calculated Benefits -

  • Monthly premium - Rs. 8,754

  • Total guaranteed addition after 20 years - ((50 x 10,00,000/1,000) x 15) - Rs. 7,50,000

  • Survival Benefit -

    1. After 10 years - 10% of 10,00,000 - 1,00,000

    2. After 15 years - 10% of 10,00,000 - 1,00,000

  • Maturity benefit - Sum assured plus guaranteed additions - 10,00,000 + 7,50,000 = 17,50,000

Why Should You Use The LIC Dhan Rekha Maturity Calculator?

  • It helps with future financial planning.

  • It gives information about the affordability of the plan.

  • It can be used multiple times at no cost and from the comfort of your home.

  • It offers personalized results as per the input of each user.

  • It limits the chances of miscommunication by third parties.


  • Q: How does Life Insurance Corporation calculate the maturity amount?

    Ans: The exact value that a policyholder will get at the maturity of their LIC policy cannot be calculated, however, one can calculate a close estimate by the calculator. The basic formula that these calculators use to estimate the maturity amount is Sum Assured + Bonuses + Final Additional Bonus (if any).
  • Q: Is the maturity amount taxable?

    Ans: Yes, the maturity amount that a policyholder or his/her nominee gets from any insurer like LIC is taxable under section 10(10D) of the Income Tax Act, 1961.
  • Q: How is the bonus calculated in LIC?

    Ans: The basic formula that LIC uses to calculate bonus is Bonus Amount = Bonus Rate X (Sum Assured / 1000)

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
+Returns Since Inception of LIC Growth Fund
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