LIC Dhan Vriddhi Plan 869 Calculator
Non-Linked, Non-Participating, Individual, Savings | Single Premium | Guaranteed Additions | Terms: 10 / 15 / 18 Years
| Year | Accrued GA | Death Benefit | Surrender Value (GSV) | Maturity Benefit |
|---|
Option 2: “Sum Assured on Death” = 10 × Tabular Premium + accrued GAs.
Option 2 provides significantly higher death cover but requires a higher single premium.
LIC Dhan Vriddhi Plan Calculator – Easy Guide to Know Your Returns
Life Insurance Corporation of India offers many saving plans. One of the popular ones is LIC Dhan Vriddhi Plan.
It gives you protection and guaranteed returns. You pay only once. You get a lump sum at maturity.
But before you buy, you should know how much you will get back.
That is where the LIC Dhan Vriddhi Plan Calculator helps.
What is LIC Dhan Vriddhi Plan?
LIC Dhan Vriddhi is a non-linked, non-participating, single premium savings plus life cover plan.
It is safe. It gives you a guaranteed maturity amount. It also gives a death benefit to your family.
It has two options:
- Option 1 – Higher maturity benefit, lower death cover.
- Option 2 – Higher death cover, lower maturity benefit.
You can choose a term of 10, 15, or 18 years.
LIC Dhan Vriddhi Plan Launch Date and Withdrawal Date
- Launch Date: 23rd June 2023
- Withdraw Date: 30th Sep 2023 (First phase), 2nd February 2024 (Relaunch), 1st April 2024 (Final withdrawal)
Why Use the LIC Dhan Vriddhi Plan Calculator?
The calculator shows:
- Maturity value before you invest.
- Death benefit under both options.
- Guaranteed additions year by year.
- Premium you need to pay once.
It saves time. It helps compare Option 1 and Option 2.
It also lets you check the LIC Dhan Vriddhi maturity calculator, premium chart, and sum assured details in one place.
Key Features of LIC Dhan Vriddhi Plan
| Feature | Details |
| Plan Type | Non-linked, Non-participating, Single Premium |
| Policy Terms | 10, 15, 18 years |
| Premium Payment Mode | Single Premium |
| Death Benefit | Option 1: 1.25 × Tabular Premium<br>Option 2: 10 × Tabular Premium |
| Maturity Benefit | Basic Sum Assured + Guaranteed Additions |
| Guaranteed Additions | Fixed per ₹1,000 sum assured, higher for bigger policies |
| Loan Facility | Yes (after 3 months) |
| Riders | Accidental Death & Disability Rider, Term Assurance Rider |
| Purchase | Offline & Online (2% rebate online) |
How to Calculate Maturity Amount Using LIC Dhan Vriddhi Plan Calculator
- Open the LIC Dhan Vriddhi calculator online.
- Enter your age and policy term.
- Choose Option 1 or Option 2.
- Enter the sum assured.
- The calculator will show:
- Single premium amount.
- Maturity amount.
- Guaranteed additions.
- Death benefit.
Example from LIC brochure:
- Age: 30 years
- Sum Assured: ₹10,00,000
- Policy Term: 15 years
- Option 1: Premium ₹8,58,100 → Maturity ₹21,97,625
- Option 2: Premium ₹7,70,750 → Maturity ₹16,00,000, Death Cover ₹83,07,500
LIC Dhan Vriddhi Plan Benefits
| Benefit Type | Details |
| Maturity Benefit | Basic Sum Assured + Guaranteed Additions |
| Death Benefit | Sum Assured on Death + Guaranteed Additions |
| Guaranteed Additions | Added every year, based on sum assured & option |
| Surrender Value | 75% of premium in first 3 years, 90% after |
Guaranteed Additions Table (Per ₹1,000 Sum Assured)
| Basic Sum Assured | Policy Term | Option 1 GA | Option 2 GA |
| ₹1,25,000–₹2,45,000 | 10 yrs | 60 | 25 |
| 15 yrs | 65 | 30 | |
| 18 yrs | 65 | 30 | |
| ₹2,50,000–₹6,95,000 | 10 yrs | 65 | 30 |
| 15 yrs | 70 | 35 | |
| 18 yrs | 70 | 35 | |
| ₹7,00,000 & above | 10 yrs | 70 | 35 |
| 15 yrs | 75 | 40 | |
| 18 yrs | 75 | 40 |
LIC Dhan Vriddhi Option 1 vs Option 2
| Feature | Option 1 | Option 2 |
| Death Benefit | 1.25 × Tabular Premium | 10 × Tabular Premium |
| Maturity Benefit | Higher | Lower |
| Premium | Higher | Lower |
| Best For | People wanting more maturity value | People wanting higher life cover |
Other Important Details
- Loan: Up to 70% of surrender value (Option 1) or 60% (Option 2).
- Settlement Option: Take maturity in yearly, half-yearly, quarterly, or monthly instalments.
- Online Rebate: 2% discount on premium if bought online.
- Tax Benefits: Section 80C (premium), Section 10(10D) (maturity proceeds).
- Surrender Value: Higher of Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV).
Example LIC Dhan Vriddhi Plan Calculation
| Age | Policy Term | Option | Sum Assured | Premium (₹) | Maturity (₹) | Death Cover (₹) |
| 30 | 15 yrs | 1 | 10,00,000 | 8,58,100 | 21,97,625 | 21,97,625 |
| 30 | 15 yrs | 2 | 10,00,000 | 7,70,750 | 16,00,000 | 83,07,500 |
Who Should Buy LIC Dhan Vriddhi Plan?
- People with a lump sum to invest.
- Those wanting safe, guaranteed returns.
- People who want life cover along with savings.
- Suitable for low-risk investors.
Other Related LIC Plan Calculators:
- LIC 917 Plan Calculator
- LIC Plan 178 Maturity Calculator
- LIC Plan 133 Maturity Calculator
- LIC Plan 815 Maturity Calculator
- LIC Plan 836 Maturity Calculator
- LIC Plan 814 Maturity Calculator
- LIC Plan 833 Maturity Calculator
- LIC Child Plan 832 Premium Calculator
- LIC Child Plan Calculator [Plan No. 934 & 932]
- LIC Jeevan Saral Plan 165 Maturity Calculator
Conclusion
The LIC Dhan Vriddhi Plan Calculator is the best tool before you buy this plan.
It shows exact returns, benefits, and premium in minutes.
Always compare Option 1 and Option 2 before deciding.
This plan is safe, simple, and backed by LIC.
FAQs on LIC Dhan Vriddhi Plan Calculator
1. What is LIC Dhan Vriddhi Plan Calculator?
It is an online tool that shows maturity value, premium, and death benefit for LIC Dhan Vriddhi plan.
2. How to calculate LIC Dhan Vriddhi maturity amount?
Enter age, term, sum assured, and option in the calculator. It shows the maturity instantly.
3. What is the minimum sum assured?
₹1,25,000.
4. What is Option 1 and Option 2?
Option 1 gives more maturity value. Option 2 gives higher death cover.
5. Can I take a loan?
Yes. Loan is allowed after 3 months.
6. What is the GST on LIC Dhan Vriddhi premium?
4.5% for a single premium policy.
7. Is LIC Dhan Vriddhi good for long-term?
Yes. It gives guaranteed returns and life cover.
Mohibul Islam
LIC Agent & Web DeveloperMohibul Islam is an LIC agent with 7+ years of experience. He also works in web development and blogging. He creates simple tools on LIC Plan Calculator to help people understand LIC plans, calculate benefits, and make better financial decisions easily. Read More About »