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LIC's Bima Ratna

Money back with guaranteed additions

Combines guaranteed additions with survival benefits during the term and a lump sum at maturity, all without depending on bonus declarations.

Who it suits: Buyers who want periodic cash flow plus a guaranteed final payout.

  • Endowment
  • Money back with guaranteed additions
  • Maturity Benefit

LIC plan reference: 864

LIC LIC's Bima Ratna endowment plans illustration

Eligibility at a glance

Entry age
90 days to 55 years
Maturity age
Up to 75 years (plan dependent)
Sum assured
₹5,00,000 and above
Policy term
15, 20 or 25 years
Premium modes
Yearly, half-yearly, quarterly, monthly (NACH) and salary savings scheme

Key benefits

  • Survival benefit paid in the last years of the term
  • Guaranteed additions through the policy term
  • Non-participating, so returns do not depend on bonuses
  • Loan facility available

Estimate your LIC's Bima Ratna premium and maturity value

LIC Premium & Maturity Calculator

Estimates from publicly published LIC rate tables. Not a quotation.

Yearly premium
₹75,776
First instalment
₹75,776
Renewal instalment
₹75,776
Total outgo over the term
₹15,15,520
Estimated maturity value
₹21,60,000
Indicative surrender value (mid-term)
₹2,84,160
Get an exact LIC quotation

Figures exclude underwriting loading and high sum assured rebates. Bonus-linked maturity values are projections, not guarantees.

Want an exact LIC illustration?

Your estimate is ready. For an official quotation and a suitability discussion on LIC's Bima Ratna:

This plan may not be ideal if…

  • You need the maximum possible life cover for the lowest premium — a term assurance plan does that better.
  • You may need the money back within the first few years; early surrender values are low.
  • You expect market-linked returns; participating LIC returns are steadier but more modest.
  • Your income is irregular and you cannot commit to the full premium paying term.

Frequently asked questions

Get advice on LIC's Bima Ratna

Send your age and budget and you will get an official LIC quotation plus an honest view on whether this plan is the right fit.

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This page describes LIC's Bima Ratna in our own words, based on LIC's published product literature. For the binding terms, always refer to the official policy document issued by Life Insurance Corporation of India.