Calculators LIC plans Nivesh Plus Surrender
LIC Nivesh Plus surrender value
LIC Nivesh Plus (Plan 849) is a single-premium ULIP — one upfront payment, four fund options (equity, balanced, bond, secured), no annual premium obligation. The 3% PAC is charged once at inception; FMC ranges from 0.50% (secured) to 1.35% (equity). Useful for deploying a lump sum from NPS maturity, EPFO withdrawal, or an inheritance into a tax-wrapped market-linked instrument. The ₹2.5 lakh premium limit for §10(10D) exemption is easily crossed for lump sums, so check your aggregate ULIP portfolio before buying.
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