Invest ₹150 Daily in LIC and Get ₹19 Lakhs Maturity: Know the Best Policy for Guaranteed Returns

Are you looking for a safe investment plan with guaranteed returns? Want to build a substantial corpus without financial stress? Here’s a smart way to secure your future — invest just ₹150 per day in LIC (Life Insurance Corporation of India) and get a maturity amount of up to ₹19 lakhs.

This article will walk you through the complete details of this plan, its benefits, eligibility, and how to apply. With tax benefits, life cover, and assured returns, this LIC scheme is among the best low-risk investment options in India.

Why Choose LIC for Daily Investment?

LIC is one of the most trusted insurance and investment companies in India, with a legacy of decades. Its policies offer not just life insurance coverage, but also long-term wealth accumulation through regular premiums.

If you invest ₹150 daily, that amounts to ₹4,500 per month, or ₹54,000 annually. LIC offers multiple endowment and savings policies where such an investment can potentially yield up to ₹19 lakhs on maturity.

LIC Plan Example: ₹150 Daily Investment to ₹19 Lakh Returns

Let’s take a look at a specific LIC policy that offers such benefits:

✅ LIC Jeevan Labh (Plan 936)

This is a limited premium, non-linked, with-profit endowment plan. It combines life protection and savings and is one of the top-selling LIC policies in 2025.

Policy Term: 25 years
Premium Payment Term: 16 years
Daily Investment: ₹150 (approx)
Annual Premium: ₹54,000
Total Premium Paid Over 16 Years: ₹8.64 lakhs
Maturity Benefit: ₹18 to ₹19 lakhs (includes Sum Assured + Bonus + Final Additional Bonus)
Life Cover: Active for entire policy term
Tax Benefits: Under Section 80C and 10(10D) of the Income Tax Act

Note: The final maturity depends on LIC’s declared bonuses, which have been consistently high over the years.

Key Benefits of Investing ₹150 Daily in LIC

1. Guaranteed Maturity Amount

LIC’s participating plans come with bonus additions declared every year, which significantly boost the maturity value.

2. Life Insurance Coverage

Along with returns, your family gets financial security in case of your untimely demise. The nominee receives the Sum Assured + Bonuses.

3. Tax-Free Returns

Investments in LIC are eligible for:

Section 80C deduction up to ₹1.5 lakhs annually
Tax-free maturity under Section 10(10D)

4. Low Daily Commitment

A daily saving of ₹150 (the price of a coffee or snack) builds a large corpus. It’s perfect for salaried professionals, small business owners, or even housewives.

5. Loan Facility

After paying premiums for 3 years, you can avail loans against your policy for emergency needs.

Who Should Invest?

LIC’s ₹150 per day investment plan is ideal for:

Young salaried individuals starting financial planning early
Parents saving for children’s education or marriage
People looking for retirement corpus
Middle-class families seeking safe, risk-free investments

How to Start Your LIC Daily Investment?

You can invest in LIC policies via:

✅ Online Mode:

Visit https://licindia.in
Click on “Buy Policy Online”
Select “LIC Jeevan Labh” or other savings plan
Enter details like age, term, sum assured, etc.
Get premium quote and complete payment

✅ Offline Mode:

Visit the nearest LIC Branch
Contact a registered LIC Agent
Fill out the application form with KYC documents
Choose monthly/quarterly/yearly payment mode
Pay your first premium and get policy bond

Tips to Maximize Returns from LIC Plans

Start early: Begin at 25–30 years of age for lower premiums and higher returns.
Choose longer term: 25-year term gives higher bonus accumulation.
Pay regularly: Missed premiums reduce final benefits.
Use ECS or auto-debit: Ensures hassle-free payments.
Review annually: LIC agents can help you track bonus updates.

Frequently Asked Questions (FAQs)

✅ Q. Can I invest monthly instead of daily?

Yes, the ₹150 daily is just a breakdown. LIC accepts premiums monthly, quarterly, half-yearly or yearly.

✅ Q. Is the ₹19 lakh return guaranteed?

The Sum Assured is guaranteed, but the final amount depends on bonus rates declared by LIC. However, the track record shows consistent high bonuses.

✅ Q. What happens if I stop paying premiums?

Your policy may lapse, and you lose benefits. But LIC allows revival within 5 years or converting it to a paid-up policy.

✅ Q. Can I withdraw money before maturity?

LIC allows policy loans, not partial withdrawals. Full benefit is available only at maturity.

Final Words

Investing just ₹150 per day in an LIC plan like Jeevan Labh can make you a lakhpati — even a crorepati over time with bonus accumulations. For individuals seeking low-risk, tax-saving, long-term investment plans, LIC is a reliable and safe option in 2025.

💡 Ready to invest and secure your future?

Start your LIC journey today! Visit: https://licindia.in or consult your nearest LIC agent.

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