LIC Loan Against Policy Calculator

LIC Policy Loan Calculator

Estimate the maximum loan against your LIC policy and its interest cost. Loan is a percentage of your policy's surrender value.

Surrender value of your policy (₹)

Get this from the surrender value calculator — use the indicative payout it shows.

Plan type

2024-revised: Jeevan Labh 736, Money-Back 720/721, Utsav 771, Tarun 734, Umang 745, New Endowment 714, etc.

Policy status

Premiums paid

Only changes the limit for 2024-revised plans.

Loan interest rate (% per year)

LIC current rate 9.50%, compounded half-yearly (per circular Actl/PS/2304/4).

Loan tenure for interest projection (years) — optional

Leave blank to see just the yearly interest cost.