Loan Against LIC Policy Calculator

Estimate how much loan you can take against your LIC policy. without surrendering it.

Policy Surrender Value: ₹2,00,000

Check your surrender value first using our calculator or ask LIC

Interest Rate: 9% per annum

LIC typically charges 9-10% interest on policy loans

Loan Duration: 3 years

Enter details and calculate

Loan eligibility requires your policy to have acquired surrender value (typically after 3 years of premium payment). Interest is charged half-yearly. Unpaid interest is added to the loan amount. If the total loan exceeds surrender value, the policy may be foreclosed.