Changelog

Higher EPS pension guide — who qualifies and whether it's worth it

Explainer on the 2022 Supreme Court judgment (RC Gupta) that allows eligible pre-2014 members to claim pension on actual salary. Covers who qualifies, the joint option history, the trade-off with EPF corpus, and an inline calculator.

EPF calculators — corpus projector and EPS pension estimator

Two calculators: projects EPF corpus at retirement given current balance, salary, growth rate, and interest rate; and estimates monthly EPS pension using the (salary × service) ÷ 70 formula.

EPF Knowledge Base added to site navigation

The EPF section (understand, withdraw, interest rates, help, tools, legal cases, articles, calculators, higher pension) is now linked from the primary site header.

Fixed Deposits hub — 30 People-Also-Ask answers in one page

Comprehensive /fixeddeposits/ guide covering cumulative vs non-cumulative, premature withdrawal penalties, DICGC insurance, tax-saver FD myth, sweep-in FDs, loan against FD, NRE/NRO/FCNR, FD vs PPF, FD vs debt MF, and more. 30-question accordion FAQ.

New concept page: NRE vs NRO FD — which account for NRIs?

Explains NRE (tax-free repatriation), NRO (30% TDS), and FCNR (no currency risk), with a 5-dimension comparison table and a guide on switching accounts when returning to India.

New concept page: FD Interest Taxation — what each slab actually costs you

Shows how the tax 'bite' erodes FD CAGR at each income slab (0 % → 30 %), with a visual infographic and a top-slab comparison against PPF returns.

New concept page: FD Ladder Strategy — smoother returns, lower lock-in risk

Explains how staggering FD maturities across 1–5 year tenures beats a single long-lock-in FD when rates are uncertain. Includes a visual 5-tranche bar chart.

Monthly interest table — ₹1L to ₹2Cr at six FD rates

Static reference page pre-computing monthly interest income and 1-year maturity for 8 corpus tiers × 6 interest rates. No JavaScript required.

FD calculator — 5-tab suite with ladder, rollover, after-tax, and timeline

Full-featured FD calculator covering basic maturity, compounding timeline chart, post-tax returns at each income slab, FD rollover simulator, and FD ladder builder with after-tax column. Custom bank picker with 25 banks × 10 tenures.

Lumpsum investment calculator

Forward (corpus from investment) and backward (CAGR from start/end value) modes, compounding frequency chips, and a growth chart.

CAGR / compound interest calculator

Two-mode calculator: compound-interest forward projection, and CAGR back-calculation from any start value, end value, and time period.

FD rates table — 25 banks and institutions, senior-citizen toggle

Reference table of FD rates across PSU banks, private banks, small finance banks, NBFCs, and Post Office. Best rate per tenure highlighted. Anchor links for every institution.

ULIP plan calculators: Index Plus, Nivesh Plus, SIIP, Protection Plus

All four active LIC ULIP plans now have interactive calculators. Three-scenario projections (4 % / 8 % / 12 % gross per IRDAI mandate), charges breakdown, fund-allocation sliders, and a year-by-year table with lock-in years highlighted.

Whole-life plan calculators: Jeevan Umang, Utsav, Utsav SP

Income-focused calculators for all three LIC whole-life plans — annual income, death benefit, and Flexi withdrawal panel. Jeevan Umang (PAR) supports three bonus scenarios.

Money-back plan calculators: five plans

Calculators for New Money Back 20 (720), New Money Back 25 (721), Bima Shree (848), New Children's Money Back (932), and Jeevan Tarun (934) — sawtooth cashflow timeline, multi-cashflow XIRR, and year-by-year table.

Pension plan calculators: five plans

Immediate-annuity calculator for Saral Pension (862) and Smart Pension (879p); deferred-annuity calculator for New Jeevan Shanti (758); Pension Plus calculator for New Pension Plus (867); Jeevan Akshay-VII (857) added to the annuity page.

Dedicated info pages for all eight LIC term plans

Each active LIC term plan now has its own page with coverage specs, eligibility details, and an honest editorial take — including a return-of-premium opportunity-cost example for Bima Kavach.

Dedicated pages for all seven LIC riders

Standalone pages for Accident Death, Accident Benefit, Term Assurance, Permanent Disability, Critical Illness, Family Income Benefit, and LADB riders — covering trigger conditions, exclusions, surrender rules, and tax treatment.

Endowment calculators for eight more plans

Calculators added for New Endowment (714), New Jeevan Anand (715), Jeevan Lakshya (733), Single Premium Endowment (717), Bima Jyoti (860), Amritbaal (774), Nav Jeevan Shree (912), and Bima Lakshmi (881).

Per-term final additional bonus (FAB) ladder in calculators

Maturity projections now use the correct FAB rate for each policy term rather than a single average, sourced from LIC's March 2025 valuation. Affects Plans 714, 715, 733, 736, 717.

LIC Analyzer v2 — multi-policy strategy comparison table

Rebuilt analyzer uses only verified bonus data. For each in-force policy, it shows a seven-row strategy table comparing hold-to-maturity, surrender-and-reinvest, and paid-up-and-invest across three benchmarks (FD 6 %, equity index 10 %, aggressive 14 %), with the best path highlighted.

Article: IRDAI 2024 surrender value reform explained

Long-form article on the IRDAI Master Circular on Surrender Value (June 2024) — what changed, a worked example showing ~20 % uplift for a Year-5 surrender, and what it means if you are considering exiting an old LIC policy.

LIC bonus history dataset — consolidated at /datasets/lic-bonus-history/

Bonus-rates data now lives at one authoritative page with plain-English FAB ladder explanations, verified source links, and a third-party-data disclaimer. Previous /lic/bonus-rates/ links redirect automatically.

Jan Suraksha (Plan 880) micro-insurance page

Dedicated page for LIC's no-medical micro-insurance plan for rural and lower-income buyers — benefit illustration table across four entry ages and three policy terms, plus an editorial take.

Side-by-side LIC plan comparator

Pick any two of the 42 active LIC plans and see them lined up by category, status, and "our take", with direct links into each plan's calculator. Selections are encoded in the URL so comparisons are shareable.

Articles section launched

Long-form posts on Indian personal finance, starting with an honest look at why most LIC endowment policies underperform — and the narrow cases where they don't.

LIC bonus history dataset published

First open dataset on the site: declared simple reversionary bonus and final additional bonus rates for major LIC endowment plans. CSV and JSON downloads, CC-BY-4.0.

Site changelog + visible last-updated date on every page

Each page now shows when it was last meaningfully updated and links here. Helps both readers and search engines judge freshness.

Glossary launched (22 terms)

Plain-English definitions for the LIC and personal-finance jargon used across the site, with worked examples and cross-links.

Per-plan deep dives: review, surrender, tax

Long-form splinter pages under each LIC plan covering opinionated review, surrender mechanics, and tax treatment.

LIC Jeevan Labh (Plan 736) calculator

Three-scenario maturity projection (low/expected/high), guaranteed-vs-non-guaranteed split, surrender-value mode, year-by-year table.

/lic/ hub — every plan, by category and use case

LIC policy value calculator

Generic surrender / paid-up / projected-maturity calculator usable for any traditional LIC endowment policy.

SIP calculator

Monthly SIP with optional one-time lump sum and growth chart.

Site live

Blog, calculator hub, and the first guides shipped on the new Astro + Svelte stack.