LIC Jeevan Labh Plan 936: Premium, Maturity Calculator & Chart in Hindi (2026)
Agar aap LIC ki ek aisi policy dhoondh rahe hain jisme kam saal premium bharna pade aur zyaada return mile, toh LIC Jeevan Labh (Plan 936) aapke liye sabse best option hai. Ye ek Non-Linked, With-Profit, Limited Premium Paying Endowment Plan hai. Iska matlab hai ki ye stock market se juda nahi hai aur isme aapko guaranteed safety ke sath achha bonus bhi milta hai.
Is article mein hum LIC Jeevan Labh Plan 936 ki sabhi details, eligibility, policy term options, aur ek easy Maturity Calculator Example se samjhenge.
LIC Jeevan Labh (Plan 936) Key Features (Mukhya Viseshtayein)
- Limited Premium Payment: Aapko poore policy term tak premium nahi bharna hota. Kuchh saal kam premium bharna padta hai.
- High Bonus Rate: LIC ke doosre regular plans ki tulna mein Jeevan Labh mein bonus rate kafi achha milta hai.
- Loan Facility: 2 saal poora premium bharne ke baad aap is policy par loan le sakte hain.
- Tax Savings: Income Tax Act ke Section 80C ke tehat premium par tax छूट aur Section 10(10D) ke tehat maturity tax-free hoti hai.
- Rider Benefits: Accident Benefit, Disability Rider, aur Critical Illness Riders add karne ka option.
Eligibility Criteria & Conditions (Kaun Kharid Sakta Hai?)
LIC Jeevan Labh Plan 936 lene ke liye minimum aur maximum age limit niche di gayi table mein dekhein:
| Parameter | Eligibility Details |
|---|---|
| Minimum Entry Age | 8 Years (Completed) |
| Maximum Entry Age | 59 Years (Depending on Term) |
| Minimum Sum Assured | ₹2,00,000 |
| Maximum Sum Assured | No Upper Limit (Aapki income ke hisab se) |
| Premium Payment Modes | Yearly, Half-Yearly, Quarterly, Monthly (NACH) |
Policy Term aur Premium Paying Term (PPT) Options
LIC Jeevan Labh mein aapko 3 tarah ke Policy Term options milte hain:
| Option | Policy Term (Kitne Saal Ki Policy Hai) | Premium Paying Term (Kitne Saal Premium Bharna Hai) | Max Entry Age |
|---|---|---|---|
| Option 1 | 16 Years | 10 Years | 59 Years |
| Option 2 | 21 Years | 15 Years | 54 Years |
| Option 3 | 25 Years | 16 Years | 50 Years |
Note: Option 3 (25 Years Policy / 16 Years Premium) sabse zyaada popular hai kyunki isme sabse zyaada bonus aur maturity amount milta hai.
LIC Jeevan Labh 936 Maturity Calculator & Real Example
Aaiye ek real Example se samajhte hain ki LIC Jeevan Labh Plan 936 kaise kaam karta hai:
Example Scenario:
- Age of Policyholder: 25 Years
- Sum Assured (Bima Dhan): ₹5,00,000
- Policy Term: 25 Years
- Premium Paying Term (PPT): 16 Years
Premium Payment Schedule:
- Monthly Premium: Approx. ₹1,980/month
- Yearly Premium: Approx. ₹23,000/year
- Total Premium Paid in 16 Years: Approx. ₹3,68,000
Maturity Calculation Formula:
LIC Maturity Amount = Sum Assured + Simple Reversionary Bonus + Final Additional Bonus (FAB)
- Basic Sum Assured: ₹5,00,000
- Estimated Bonus (₹47/1000 per year approx.): ₹5,87,500
- Final Additional Bonus (FAB - ₹450/1000 approx.): ₹2,25,000
Matlab aapne 16 saal mein lagbhag ₹3.68 Lakh jama kiye aur 25ve saal par aapko ₹13 Lakh+ ki tax-free maturity mili.
Death Benefit (Policyholder Ki Death Par Kya Milta Hai?)
Agar policy term ke dauran policyholder ki dukhad mrityu (death) ho jaati hai, toh nominee ko niche diye gaye benefits milte hain:
- Sum Assured on Death: Sum Assured ka 7 times ya Basic Sum Assured (jo bhi zyaada ho).
- Accrued Bonus: Death ke saal tak jitna bhi bonus jama hua hoga.
- Nominee Option: Nominee chahe toh lumsum amount le sakta hai ya 5, 10, ya 15 saal ki installments mein pention jaisa le sakta hai.
Available Optional Riders
Aap apni policy ke sath niche diye gaye optional riders bhi add kar sakte hain:
- LIC’s Accidental Death and Disability Benefit Rider
- LIC’s Accident Benefit Rider
- LIC’s New Term Assurance Rider
- LIC’s New Critical Illness Benefit Rider
- LIC’s Premium Waiver Benefit Rider (Bachhon ke naam policy lene par zaroori)
LIC Jeevan Labh Plan 936 vs Regular Plans
| Feature | LIC Jeevan Labh (936) | Normal Endowment Plan |
|---|---|---|
| Premium Term | Limited (9 saal ki chhut) | Full Term Premium |
| Bonus Rate | High Bonus | Normal Bonus |
| Return Ratio | High (Investment vs Return) | Moderate |
Frequently Asked Questions (FAQs)
Q1. Kya LIC Jeevan Labh Plan 936 mein loan mil sakta hai?
Ans: Haan, 2 saal tak lagaatar poora premium bharne ke baad aap apni policy par LIC se loan le sakte hain.
Q2. Kya Jeevan Labh 936 par Tax Benefit milta hai?
Ans: Haan, Income Tax ke Section 80C ke tehat aap ₹1.5 Lakh tak ke premium par tax छूट le sakte hain. Iske alawa Maturity Section 10(10D) ke tehat poori tarah tax-free hoti hai.
Q3. Minimum kitna Sum Assured lena padega?
Ans: LIC Jeevan Labh lene ke liye kam se kam ₹2,00,000 (2 Lakh) ka Sum Assured lena zaroori hai.
Conclusion & Advisory
LIC Jeevan Labh (Plan 936) un logon ke liye ek perfect saving plan hai jo kam saal premium bharkarak lambe samay ke liye apne family ke future, bachhon ki higher education, ya retirement ke liye ek bada tax-free fund banana chahte hain.
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Kya aap apni age ke hisab se LIC Jeevan Labh 936 ka exact Maturity Chart aur Premium Calculation jaanna chahte hain?
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