LIC Bonus 2025
Jeevan Umang (Plan 745) — Whole-Life Bonus Rate Chart
Whole-life participating plan with annual Simple Reversionary Bonus (SRB) and potential FAB at exit. 2025 introduces a Sum Assured slab where SA ≥ ₹5,00,000 typically earns a higher SRB.
How to read this table
PPT = Premium Paying Term Columns = Policy Term bands (not age) Two slabs: SA < ₹5L and SA ≥ ₹5L
SRB is per ₹1,000 Sum Assured per policy year. “NA” indicates not applicable for that PPT/band combo as per LIC table.
Bonus Rates by PPT & Policy Term Band
Two-slab Structure (SA < ₹5L vs SA ≥ ₹5L)
| PPT | SA < ₹5L | SA ≥ ₹5L | ||||||
|---|---|---|---|---|---|---|---|---|
| Up to 55 | 56–70 | 71–85 | 86+ | Up to 55 | 56–70 | 71–85 | 86+ | |
| 15 years | ₹49 | ₹58 | ₹65 | ₹74 | ₹50 | ₹59 | ₹66 | ₹75 |
| 20 years | ₹48 | ₹53 | ₹60 | ₹68 | ₹49 | ₹54 | ₹61 | ₹69 |
| 25 years | ₹47 | ₹48 | ₹54 | ₹63 | ₹48 | ₹49 | ₹55 | ₹64 |
| 30 years | NA | ₹47 | ₹48 | ₹58 | NA | ₹48 | ₹49 | ₹59 |
Note: In the 2025 grid, SA ≥ ₹5L typically gets +₹1 vs SA < ₹5L across most bands. Certain bands effectively show a +₹2 spread when compared over adjacent ranges, magnifying impact over long durations.
Quick Math — What the slab means
For SA ₹10,00,000:
- +₹1 per ₹1,000 SA ⇒ ₹1,000 extra per year in SRB.
- Over 25 years (accumulation), that’s ₹25,000 more SRB (before FAB).
Actual maturity depends on total SRB accrued for all eligible years, policy status, and FAB at exit as per LIC’s rules.
Source: LIC Results of Valuation (March 2025). Bonus/FAB are declared annually and can vary in future valuations.
