Dataset · v0.1.0 · CC-BY-4.0
LIC bonus history
Declared simple reversionary bonus (SB) and final additional bonus (FAB) rates for LIC of India endowment plans, per ₹1,000 sum assured. Sourced from LIC's annual valuation-surplus announcements. Free to use with attribution.
What's in the dataset
Each row is a (plan × financial year × term band) tuple recording the bonus rates declared by LIC for that combination. Two figures matter:
- SB per ₹1,000 — the simple reversionary bonus, added every year the policy is in force. Multiply by sum assured (in thousands) and number of years to get the cumulative vested bonus.
- FAB per ₹1,000 — the final additional bonus paid only at maturity (or claim) for policies of sufficient term. Not declared for every plan / term combination; blank when not applicable.
Rows (1)
| Plan | Plan # | FY | Term band | SB / ₹1,000 | FAB / ₹1,000 |
|---|---|---|---|---|---|
| Jeevan Labh | 736 | 2024-25 | 21-25 | 47 | 200 |
Source notes per row
- Jeevan Labh (736), FY 2024-25, term 21-25: LIC Valuation Surplus 2024-25 (declared Sept 2024); cross-checked against LIC public bonus circular. — Rate used as the base case in the Jeevan Labh calculator on this site. FAB is the maximum band (highest SA, longest term).
Coverage roadmap
Plans we plan to add as soon as their declared rates are cross-checked against the LIC valuation PDF:
- New Jeevan Anand (715) — Awaiting cross-check of FY 2024-25 valuation PDF.
- New Endowment (714) — Awaiting cross-check of FY 2024-25 valuation PDF.
- Jeevan Lakshya (733) — Awaiting cross-check of FY 2024-25 valuation PDF.
- Bima Jyoti (760) — Guaranteed-addition product, not bonus-bearing — will appear with a separate column.
- Jeevan Umang (745) — Whole-life with annual survival benefit — needs separate schema.
How to cite
License: Creative Commons Attribution 4.0 International. Suggested attribution:
Asymmetrica. "LIC bonus history" dataset (v0.1.0, 2026-04-29). https://asymmetrica.in/datasets/lic-bonus-history/Methodology & honest caveats
- Rates are declared per financial year. The rate for FY 2024-25 was declared by LIC's actuarial committee in September 2024 and applied to bonuses vesting on 31 March 2025.
- Future rates are not guaranteed. Past declarations are useful as a planning input, not a contractual promise.
- FAB depends on both sum assured and term. The figure here is the band relevant to the plan's most common buyer; the LIC valuation PDF carries the full matrix.
- We deliberately publish a small, defensible table rather than a wide, partially fabricated one. Coverage will grow row-by-row as PDFs are checked.