LIC SIP Plan

Investing for your future is no longer optional—it's essential. Among the many financial products available, SIPs (Systematic Investment Plans) offer a disciplined way to build wealth over time. While most people associate SIPs with mutual funds, LIC (Life Insurance Corporation of India) also offers SIP-like investment options that cater to long-term financial goals with the added benefit of life insurance coverage. Here's everything you need to know about LIC SIP Plans.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry free investing

Best SIP Funds

Tax Saving Funds Large Cap Low Return Funds Mid Cap Mid Return Funds Multi Cap Debt Funds Shariah Funds Balanced Funds

Payment Mode

Invest

₹ 10,000

Invest for

Whole Life Mid Cap Equity Fund

AUM (Cr)

₹11,620

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.79 17.49 16.77 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,687

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.13 14.43 14.55 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.61 14.79 14.23 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹35,377

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.42 13.27 13.64 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.08 12 13.57 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,837

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12 12.83 13.3 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,458

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.27 11.54 13.22 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹219

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.62 12.84 12.93 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,598

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.71 11.3 12.74 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹130

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.62 11.99 12.39 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,687

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.13 14.43 14.55 %

View Fund

Virtue II

AUM (Cr)

₹3,237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.61 14.79 14.23 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.08 12 13.57 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,837

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12 12.83 13.3 %

View Fund

Accelerator Fund

AUM (Cr)

₹219

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.62 12.84 12.93 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,598

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.71 11.3 12.74 %

View Fund

Future Apex Fund

AUM (Cr)

₹130

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.62 11.99 12.39 %

View Fund

Growth Super Fund

AUM (Cr)

₹12,241

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.98 10.46 12 %

View Fund

Bluechip Equity Fund

AUM (Cr)

₹965

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.83 11.19 11.78 %

View Fund

Super 20

AUM (Cr)

₹2,097

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.41 10.06 11.57 %

View Fund

Whole Life Mid Cap Equity Fund

AUM (Cr)

₹11,620

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.79 17.49 16.77 %

View Fund

Opportunities Fund

AUM (Cr)

₹35,377

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.42 13.27 13.64 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,458

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.27 11.54 13.22 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,938

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21 18.96 22 %

View Fund

High Growth Fund

AUM (Cr)

₹12,572

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.85 19.5 17.59 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,051

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.51 13.09 14.1 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,553

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.78 11.82 12.45 %

View Fund

Flexi Cap

AUM (Cr)

₹1,125

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.99 11.78 12.18 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,551

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.28 11.53 11.84 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹526

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.3 10.29 10.69 %

View Fund

Asset Allocation

AUM (Cr)

₹242

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.13 8.4 9.72 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹823

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.66 6.84 7.28 %

View Fund

Debt Fund

AUM (Cr)

₹499

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.27 6.81 7.03 %

View Fund

Bond Fund

AUM (Cr)

₹117

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.98 6.58 6.92 %

View Fund

Conservative Fund

AUM (Cr)

₹189

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.8 6.59 6.9 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹171

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.2 6.39 6.85 %

View Fund

Steady Money Fund

AUM (Cr)

₹77

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.42 6.43 6.81 %

View Fund

Bond Fund

AUM (Cr)

₹16,781

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.29 6.29 6.62 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹172

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.6 5.98 6.6 %

View Fund

Debt Fund

AUM (Cr)

₹93

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.21 6.45 6.59 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹904

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.47 14.83 14.83 %

View Fund

Balanced Fund

AUM (Cr)

₹354

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.57 9.36 9.89 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹62

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.68 8.44 9.61 %

View Fund

Creator

AUM (Cr)

₹460

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.49 8.54 9.53 %

View Fund

Balanced Fund

AUM (Cr)

₹5,072

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.46 8.39 9.48 %

View Fund

Balanced Fund

AUM (Cr)

₹21,160

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.07 8.33 9.27 %

View Fund

Balancer II

AUM (Cr)

₹807

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.28 8.81 9.24 %

View Fund

Growth Fund

AUM (Cr)

₹6,860

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.59 8.58 9.13 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹272

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.63 8.26 9.07 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹1,775

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.27 8.39 8.86 %

View Fund

List of LIC SIP Plan

SIP Plans	5 Year Return	10 Year Return
LIC MF Midcap Fund Direct Growth	26.73%	NA
LIC MF Large Cap Fund Growth	17.64%	10.55%
LIC MF ELSS Tax Saver -Direct Plan Growth Option	22.55%	13.14%
LIC MF Aggressive Hybrid Fund Direct Plan Growth Option	16.47%	10.12%
LIC MF Small Cap Fund Regular Growth	31.69%	NA

What is an LIC SIP Plan?

An LIC SIP Plan is not a traditional SIP in mutual funds but rather a mode of regular premium payment into LIC's insurance-cum-investment plans. You invest a fixed amount regularly (monthly or quarterly), and in return, you not only build a savings corpus but also secure life cover. It offers the twin benefits of disciplined investing and financial protection.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Top 300 Fund SBI Life Rating	8.88%	10.5%	11.55% View Plan
Opportunities Fund HDFC Life Rating	12.42%	13.27%	13.64% View Plan
High Growth Fund Axis Max Life Rating	17.85%	19.5%	17.59% View Plan
Opportunities Fund ICICI Prudential Life Rating	11.28%	11.53%	11.84% View Plan
Multi Cap Fund Tata AIA Life Rating	21%	18.96%	22% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	12.27%	11.54%	13.22% View Plan
Multiplier Birla Sun Life Rating	14.37%	13.37%	14.74% View Plan
Virtue II PNB MetLife Rating	12.61%	14.79%	14.23% View Plan
Equity II Fund Canara HSBC Life Rating	8.46%	8.24%	9.73% View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life Rating	7.49%	8.34%	9.68% View Plan

Fund rating powered by

Last updated: Mar 2026

Compare more funds

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth	₹1,748.84 Crs	28.91%	N/A	N/A	₹500	28.94%
Bandhan Small Cap Fund Regular-Growth	₹20,474.12 Crs	26.07%	20.2%	N/A	₹1,000	25.81%
Motilal Oswal Midcap Fund Regular-Growth	₹33,689.20 Crs	17.76%	19.95%	15.5%	₹500	18.83%
ICICI Prudential Infrastructure Fund-Growth	₹8,097.89 Crs	20.26%	23.55%	17.35%	₹5,000	14.94%
Canara Robeco Large Cap Fund Regular-Growth	₹17,103.62 Crs	11.03%	9.6%	12.89%	₹100	11.61%
Mirae Asset Large Cap Fund Direct- Growth	₹40,184.41 Crs	10.21%	9.85%	13.44%	₹5,000	14.5%
Kotak Midcap Fund Regular-Growth	₹61,694.40 Crs	17.96%	16.27%	17.08%	₹100	14.06%
SBI Small Cap Fund-Growth	₹34,931.73 Crs	10.62%	13.02%	16.74%	₹5,000	17.62%
SBI Gold ETF	₹24,897.99 Crs	33.28%	25.87%	16.3%	₹5,000	13.46%

Updated as of Mar 2026

Compare more funds

Benefits of LIC SIP Plans

Life Insurance Coverage: Every investment comes with a life cover, offering financial security to your loved ones.
Disciplined Savings: SIPs promote a habit of regular savings.
Long-Term Wealth Creation:Ideal for goals like children’s education, marriage, or retirement, Choosing the best SIP depends on long-term financial goals.
Tax Benefits: Premiums paid are eligible for tax deductions under Section 80C.
Low Risk: Backed by the Government of India, LIC plans are among the safest investment options.

Popular LIC SIP Plans Table

Plan Name	Policy Term	Life Cover Included	Maturity Benefit	Tax Benefits
LIC New Endowment Plan	12 to 35 years	Yes	Lump sum on maturity	Yes (Sec 80C)
LIC Jeevan Labh	16, 21, 25 years	Yes	Sum assured + Bonus	Yes (Sec 80C)
LIC Jeevan Anand	15 to 35 years	Yes	Lifetime risk cover + maturity sum	Yes (Sec 80C)
LIC Tech-Term Plan	10 to 40 years	Yes	Pure term cover (no maturity benefit)	Yes (Sec 80C)
LIC SIIP (ULIP-based)	10 to 25 years	Yes	Market-linked returns + life cover	Yes (Sec 80C)

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Total Wealth ₹1.03 Cr

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

11.7%

Equity Pension

13.64%

Opportunities Fund

17.59%

High Growth Fund

11.84%

Opportunities Fund

22%

Multi Cap Fund

13.22%

Accelerator Mid-Cap Fund II

14.74%

Multiplier

13.3%

Frontline Equity Fund

14.23%

Virtue II

9.73%

Equity II Fund

10.16%

Gift Global Opportunity Maximizer Fund

14.1%

Growth Opportunities Plus Fund

10.69%

Equity Top 250 Fund

12.39%

Future Apex Fund

10.56%

Pension Dynamic Equity Fund

12.93%

Accelerator Fund

How to Start an LIC SIP Plan

Choose a Plan: Select a plan based on your financial goals and risk appetite.
Decide Investment Amount: Set a comfortable monthly/quarterly investment amount.
Visit LIC Website/Agent: Apply online or through an LIC agent.
Complete KYC: Submit documents like PAN, Aadhaar, and address proof.
Start Investing: Make your first premium payment and track regularly.

Start An Sip Today Watch Your Money Grow

Who Should Invest in LIC SIP Plans?

First-time investors looking for low-risk options.
Salaried individuals seeking tax savings and insurance.
Parents planning for children’s future.
Anyone aiming for disciplined long-term wealth accumulation.

Conclusion

LIC SIP Plans offer a unique blend of investment and insurance. While the returns may not match high-risk instruments like equity mutual funds, they provide unmatched safety and stability. For anyone looking to build a secure financial future with regular investments and insurance protection, LIC SIP Plans are a reliable choice.

FAQs

Is LIC SIP the same as mutual fund SIP?

No. LIC SIP involves regular premium payments into insurance plans, while mutual fund SIPs invest in market securities.
Can I withdraw my money early?

Most LIC plans have a lock-in of 3-5 years. Early withdrawal may attract penalties.
Is the LIC SIP Plan safe?

Yes. LIC is government-backed and offers guaranteed returns in many of its traditional plans.
Can I increase the SIP amount later?

In most plans, the premium amount is fixed. You may need to buy a new policy to invest more.
Are there any online tools to calculate returns?

Yes. LIC and various financial portals provide online calculators to estimate maturity amounts.

LIC SIP Plan

Best SIP Funds

List of LIC SIP Plan

What is an LIC SIP Plan?

Benefits of LIC SIP Plans

Popular LIC SIP Plans Table

SIP Calculator

How to Start an LIC SIP Plan

Who Should Invest in LIC SIP Plans?

Conclusion

FAQs

Is LIC SIP the same as mutual fund SIP?

Can I withdraw my money early?

Is the LIC SIP Plan safe?

Can I increase the SIP amount later?

Are there any online tools to calculate returns?

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