LIC Nivesh Plus Return Calculator

LIC Nivesh Plus Return Calculator is an online tool that eases the task of calculating and understanding the returns policyholders will receive at the end of the policy term. Not only it helps in calculating the returns, but also gives an estimate of the premium payable for their LIC Nivesh Plus policy.

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58.9 Million
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Understanding LIC Nivesh Plus

LIC Nivesh Plus is a unit-linked insurance plan (ULIP) offered by the Life Insurance Corporation of India (LIC) that combines insurance coverage benefits and wealth creation. It allows policyholders to invest in different fund options to maximize their investment returns. The plan offers benefits such as life cover, flexibility to switch between funds, partial withdrawal options, and loyalty additions, making it an attractive choice for investors. 

As an investor, evaluating the potential returns of any investment instrument before committing your hard-earned money is crucial. Thus, a LIC Nivesh Return Calculator can help you to calculate and analyze the premiums and returns in advance.

What is LIC Nivesh Plus Return Calculator?

The LIC Nivesh Return Calculator is a tool provided by the Life Insurance Corporation of India to help individuals estimate the returns on their investments in LIC policies. It is an online calculator designed to give users an idea of how much they can expect to receive as returns on their investment over a certain period of time.

Key Features of LIC Nivesh Plus Return Calculator

  • Simple User Interface: LIC's Nivesh Plus Return Calculator is designed to be user-friendly, enabling individuals to input relevant details effortlessly.

  • Policy Details: The calculator prompts users to enter information such as the policy term, premium payment frequency, premium amount, and choice of funds.

  • Fund Performance: The return calculator considers historical fund performance data to estimate potential returns. It gives users a comprehensive view of the fund's growth over time.

  • Maturity Amount: Based on the inputs provided, the calculator generates an estimate of the maturity amount, which includes the sum assured, fund value, and potential bonuses.

  • Projected Returns: The return calculator provides an approximate rate of return on the investment, considering the chosen policy term and fund performance.

  • Flexibility: Users can experiment with different premium amounts, policy terms, and fund allocations to evaluate the impact on the maturity amount and projected returns.

What are the Benefits of Using the LIC Nivesh Plus Return Calculator?

Below are some benefits of using the LIC Nivesh Plus Return calculator. Have a look:

  • Informed Decision Making: The calculator empowers investors to make well-informed decisions by providing insights into the potential returns of the LIC Nivesh Plus plan.

  • Financial Planning: Using the return calculator, individuals can align their investment goals with the expected returns, allowing for effective financial planning.

  • Comparisons: The calculator lets users compare various investment scenarios, helping them select the most suitable premium amount, policy term, and fund allocation.

  • Risk Analysis: Users can assess the impact of market fluctuations on the potential returns by adjusting the fund allocation within the return calculator.

How Does LIC Nivesh Plus Return Calculator Work?

Here are some general steps to use such a calculator:

Step 1: Access the calculator: Visit the LIC official website or the platform where the calculator is available.

Step 2: Fill out relevant information: Typically, the calculator will ask for specific details related to your investment. It may include the investment amount, investment duration, expected rate of return, and any additional contributions or withdrawals. Enter the required information into the calculator as prompted.

Step 3: Calculate the returns: Once you have provided all the necessary information, click the "Calculate" button to generate the estimated returns. 

Step 4: Interpret the results: The calculator should display the estimated returns based on your provided inputs.

**Note: The LIC Nivesh Plus Return Calculator is a tool LIC provides for illustrative purposes only. The results generated by the calculator should not be considered guaranteed returns, as they are subject to market conditions and other factors that may influence investment performance


The LIC Nivesh Plus Return Calculator is a valuable tool for investors considering the LIC Nivesh Plus plan. By providing estimates of the maturity amount and projected returns, this calculator allows individuals to evaluate their investment's potential benefits and risks. However, it's important to note that the calculator's results are based on assumptions and historical data, and actual returns may vary. Hence, it is always advisable to consult a financial advisor before making investment decisions.


  • Q: Is the LIC Nivesh Plus Calculator accurate?

    Ans: While LIC Nivesh Plus Calculator provides estimations based on the input data, actual returns may vary due to various factors such as market conditions, fund performance, and other variables.
  • Q: What information do I need to use the LIC Nivesh Plus Calculator?

    Ans: To use the calculator effectively, you need to provide details such as your age, premium payment mode, desired sum assured, policy term, and investment amount. The more accurate the information you provide, the more precise the calculator's output will be.
  • Q: Is the LIC Nivesh Plus Calculator available for free?

    Ans: Yes, LIC Nivesh Plus Calculator is available for free on the official LIC website. It's a convenient tool for individuals to assess the potential benefits of investing in LIC Nivesh Plus before deciding.
  • Q: Can LIC Nivesh Plus Calculator provide a breakdown of the projected returns over the policy term?

    Ans: Yes, LIC Nivesh Plus Calculator provides a breakdown of the projected returns over the policy term, including details such as the maturity benefit, death benefit, surrender value, etc. This breakdown can help individuals understand how their investment will grow over time.

*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
~Source - Google Review Rating available on:-
++Returns are 10 years returns of Nifty 100 Index benchmark

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