{
  "dataset": {
    "name": "LIC Bonus Rates 2024-25",
    "slug": "lic-bonus-history",
    "version": "0.5.0",
    "license": "CC-BY-4.0",
    "licenseUrl": "https://creativecommons.org/licenses/by/4.0/",
    "attribution": "asymmetrica.in",
    "publishedDate": "2026-04-29",
    "modifiedDate": "2026-05-02"
  },
  "rows": [
    {
      "plan": "New Endowment",
      "planNumber": 714,
      "planSlug": "new-endowment-714",
      "fy": "2024-25",
      "termBand": "16 yrs",
      "saBand": "₹5L band",
      "sbPer1000": 42,
      "fabPer1000": 25,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/714/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/714/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "Standard endowment FAB at this duration is small; bulk of maturity comes from cumulative SRB."
    },
    {
      "plan": "New Endowment",
      "planNumber": 714,
      "planSlug": "new-endowment-714",
      "fy": "2024-25",
      "termBand": "20 yrs",
      "saBand": "₹5L band",
      "sbPer1000": 42,
      "fabPer1000": 70,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/714/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/714/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "Standard endowment FAB ladder is mostly flat below 20 yrs and steps up sharply at 25."
    },
    {
      "plan": "New Endowment",
      "planNumber": 714,
      "planSlug": "new-endowment-714",
      "fy": "2024-25",
      "termBand": "25 yrs",
      "saBand": "₹5L band",
      "sbPer1000": 48,
      "fabPer1000": 450,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/714/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/714/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "Uses LIC's standard endowment-group FAB ladder at SA ≥ ₹2L (col4): 20-yr ₹70, 25-yr ₹450 / ₹1,000 SA."
    },
    {
      "plan": "New Jeevan Anand",
      "planNumber": 715,
      "planSlug": "new-jeevan-anand-715",
      "fy": "2024-25",
      "termBand": "20 yrs",
      "saBand": "₹5L band",
      "sbPer1000": 45,
      "fabPer1000": 25,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/715/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/715/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "Jeevan Anand has its own FAB ladder (smaller than standard endowment): 20-yr ₹25, 25-yr ₹180. The plan's distinctive feature is the free post-maturity cover until age 100 — NOT a high terminal bonus."
    },
    {
      "plan": "New Jeevan Anand",
      "planNumber": 715,
      "planSlug": "new-jeevan-anand-715",
      "fy": "2024-25",
      "termBand": "25 yrs",
      "saBand": "₹5L band",
      "sbPer1000": 45,
      "fabPer1000": 180,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/715/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/715/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "Jeevan Anand has its own FAB ladder (smaller than standard endowment): 20-yr ₹25, 25-yr ₹180. The plan's distinctive feature is the free post-maturity cover until age 100 — NOT a high terminal bonus."
    },
    {
      "plan": "New Jeevan Anand",
      "planNumber": 715,
      "planSlug": "new-jeevan-anand-715",
      "fy": "2024-25",
      "termBand": "35 yrs",
      "saBand": "₹5L band",
      "sbPer1000": 45,
      "fabPer1000": 180,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/715/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/715/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "LIC has NOT yet declared FAB at the 35-yr maturity for this plan in the March 2025 valuation; we conservatively show the 25-yr value as a placeholder. Treat this row as the lower bound."
    },
    {
      "plan": "Jeevan Lakshya",
      "planNumber": 733,
      "planSlug": "jeevan-lakshya-733",
      "fy": "2024-25",
      "termBand": "13 yrs",
      "saBand": "₹5L band",
      "sbPer1000": 49,
      "fabPer1000": 0,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/733/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/733/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "No FAB declared — duration below LIC's 15-yr FAB threshold. Maturity = 110% BSA + cumulative SRB."
    },
    {
      "plan": "Jeevan Lakshya",
      "planNumber": 733,
      "planSlug": "jeevan-lakshya-733",
      "fy": "2024-25",
      "termBand": "15 yrs",
      "saBand": "₹5L band",
      "sbPer1000": 49,
      "fabPer1000": 15,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/733/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/733/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "Jeevan Lakshya has its own smaller FAB ladder: 15-yr ₹15, 20-yr ₹60, 25-yr ₹200. The 110% BSA maturity multiplier compensates for the smaller terminal bonus."
    },
    {
      "plan": "Jeevan Lakshya",
      "planNumber": 733,
      "planSlug": "jeevan-lakshya-733",
      "fy": "2024-25",
      "termBand": "20 yrs",
      "saBand": "₹5L band",
      "sbPer1000": 49,
      "fabPer1000": 60,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/733/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/733/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "Jeevan Lakshya has its own smaller FAB ladder: 15-yr ₹15, 20-yr ₹60, 25-yr ₹200. The 110% BSA maturity multiplier compensates for the smaller terminal bonus."
    },
    {
      "plan": "Jeevan Lakshya",
      "planNumber": 733,
      "planSlug": "jeevan-lakshya-733",
      "fy": "2024-25",
      "termBand": "25 yrs",
      "saBand": "₹5L band",
      "sbPer1000": 49,
      "fabPer1000": 200,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/733/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/733/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "Jeevan Lakshya has its own smaller FAB ladder: 15-yr ₹15, 20-yr ₹60, 25-yr ₹200. The 110% BSA maturity multiplier compensates for the smaller terminal bonus."
    },
    {
      "plan": "Jeevan Labh",
      "planNumber": 736,
      "planSlug": "jeevan-labh-736",
      "fy": "2024-25",
      "termBand": "16 yrs",
      "saBand": "₹5L–<₹10L",
      "sbPer1000": 35,
      "fabPer1000": 20,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/736/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/736/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "Jeevan Labh has a plan-specific FAB ladder (16-yr ₹20, 21-yr ₹80, 25-yr ₹250) — meaningfully smaller than the standard endowment ladder."
    },
    {
      "plan": "Jeevan Labh",
      "planNumber": 736,
      "planSlug": "jeevan-labh-736",
      "fy": "2024-25",
      "termBand": "21 yrs",
      "saBand": "₹5L–<₹10L",
      "sbPer1000": 37,
      "fabPer1000": 80,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/736/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/736/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "Jeevan Labh has a plan-specific FAB ladder (16-yr ₹20, 21-yr ₹80, 25-yr ₹250) — meaningfully smaller than the standard endowment ladder."
    },
    {
      "plan": "Jeevan Labh",
      "planNumber": 736,
      "planSlug": "jeevan-labh-736",
      "fy": "2024-25",
      "termBand": "25 yrs",
      "saBand": "₹5L–<₹10L",
      "sbPer1000": 39,
      "fabPer1000": 250,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/736/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/736/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "Jeevan Labh has a plan-specific FAB ladder (16-yr ₹20, 21-yr ₹80, 25-yr ₹250) — meaningfully smaller than the standard endowment ladder."
    },
    {
      "plan": "Single Premium Endowment",
      "planNumber": 717,
      "planSlug": "single-premium-endowment-717",
      "fy": "2024-25",
      "termBand": "10 yrs",
      "saBand": "₹5L band",
      "sbPer1000": 38,
      "fabPer1000": 0,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/717/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/717/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "No FAB — duration below LIC's 15-yr FAB threshold. Maturity = SA + cumulative SRB only."
    },
    {
      "plan": "Single Premium Endowment",
      "planNumber": 717,
      "planSlug": "single-premium-endowment-717",
      "fy": "2024-25",
      "termBand": "15 yrs",
      "saBand": "₹5L band",
      "sbPer1000": 38,
      "fabPer1000": 20,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/717/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/717/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "Single-premium PAR endowment. FAB nominal at the 15-yr threshold."
    },
    {
      "plan": "Single Premium Endowment",
      "planNumber": 717,
      "planSlug": "single-premium-endowment-717",
      "fy": "2024-25",
      "termBand": "25 yrs",
      "saBand": "₹5L band",
      "sbPer1000": 48,
      "fabPer1000": 450,
      "sourceUrl": "https://licpolicyadvisor.in/bonus-rates/717/",
      "sourceUrlSecondary": "https://licindia.in/web/guest/annual-reports",
      "source": "licpolicyadvisor.in/bonus-rates/717/ — consolidating LIC Results of Valuation as at 31-03-2025.",
      "notes": "Uses LIC's standard endowment-group FAB ladder at SA ≥ ₹2L (col4): 20-yr ₹70, 25-yr ₹450 / ₹1,000 SA."
    }
  ],
  "pending": [
    {
      "plan": "Amritbaal",
      "planNumber": 774,
      "planSlug": "amritbaal-774",
      "category": "endowment",
      "officialUrl": "https://licindia.in/web/guest/lic-s-amritbaal-774",
      "reason": "Awaiting cross-check of the LIC valuation PDF for this plan."
    },
    {
      "plan": "Bima Jyoti",
      "planNumber": 860,
      "planSlug": "bima-jyoti-860",
      "category": "endowment",
      "officialUrl": "https://licindia.in/web/guest/lic-s-bima-jyoti-new",
      "reason": "Awaiting cross-check of the LIC valuation PDF for this plan."
    },
    {
      "plan": "Nav Jeevan Shree",
      "planNumber": 912,
      "planSlug": "nav-jeevan-shree-912",
      "category": "endowment",
      "officialUrl": "https://licindia.in/web/guest/lic-s-nav-jeevan-shree-plan-no.912-1",
      "reason": "Awaiting cross-check of the LIC valuation PDF for this plan."
    },
    {
      "plan": "Bima Lakshmi",
      "planNumber": 881,
      "planSlug": "bima-lakshmi-881",
      "category": "endowment",
      "officialUrl": "https://licindia.in/web/guest/lic-s-bima-lakshmi-881-512n389v01",
      "reason": "Awaiting cross-check of the LIC valuation PDF for this plan."
    },
    {
      "plan": "Jeevan Umang",
      "planNumber": 745,
      "planSlug": "jeevan-umang-745",
      "category": "whole-life",
      "officialUrl": "https://licindia.in/web/guest/lic-sjeevanumang-745",
      "reason": "Awaiting cross-check of the LIC valuation PDF for this plan."
    },
    {
      "plan": "Jeevan Utsav",
      "planNumber": 871,
      "planSlug": "jeevan-utsav-871",
      "category": "whole-life",
      "officialUrl": "https://licindia.in/web/guest/lic-s-jeevan-utsav1",
      "reason": "Awaiting cross-check of the LIC valuation PDF for this plan."
    },
    {
      "plan": "Jeevan Utsav (Single Premium)",
      "planNumber": 883,
      "planSlug": "jeevan-utsav-single-premium-883",
      "category": "whole-life",
      "officialUrl": "https://licindia.in/web/guest/lic-s-jeevan-utsav-single-premium",
      "reason": "Awaiting cross-check of the LIC valuation PDF for this plan."
    },
    {
      "plan": "Bima Shree",
      "planNumber": 848,
      "planSlug": "bima-shree-848",
      "category": "money-back",
      "officialUrl": "https://licindia.in/web/guest/lic-s-bima-shree",
      "reason": "Awaiting cross-check of the LIC valuation PDF for this plan."
    },
    {
      "plan": "New Money Back — 20 Years",
      "planNumber": 720,
      "planSlug": "new-money-back-20-720",
      "category": "money-back",
      "officialUrl": "https://licindia.in/web/guest/lic-s-new-money-back-plan-20-years",
      "reason": "Awaiting cross-check of the LIC valuation PDF for this plan."
    },
    {
      "plan": "New Money Back — 25 Years",
      "planNumber": 721,
      "planSlug": "new-money-back-25-721",
      "category": "money-back",
      "officialUrl": "https://licindia.in/web/guest/lic-s-new-money-back-plan-25-years",
      "reason": "Awaiting cross-check of the LIC valuation PDF for this plan."
    },
    {
      "plan": "New Children's Money Back",
      "planNumber": 932,
      "planSlug": "new-childrens-money-back-932",
      "category": "money-back",
      "officialUrl": "https://licindia.in/web/guest/lic-s-new-children-s-money-back-plan",
      "reason": "Awaiting cross-check of the LIC valuation PDF for this plan."
    },
    {
      "plan": "Jeevan Tarun",
      "planNumber": 934,
      "planSlug": "jeevan-tarun-934",
      "category": "money-back",
      "officialUrl": "https://licindia.in/web/guest/lic-s-jeevan-tarun",
      "reason": "Awaiting cross-check of the LIC valuation PDF for this plan."
    }
  ]
}