LIC Bima Jyoti — IRR & Return Calculator
Calculate the annualized return (XIRR) on your premiums against the maturity benefit, and compare it with benchmark CAGRs.
Annualized return (XIRR)
6.63%
Maturity benefit₹16,51,000
If surrendered now (year 5)-19.56%
How this is calculated
Internal rate of return (XIRR) on premium outflows against the maturity benefit.
Versus benchmark CAGRs (assumed)
PPF7.1%
Bank Fixed Deposit7.0%
Gold8.5%
Nifty 50 Index Fund12.0%
Sensex Index Fund12.0%
Source: official brochure · UIN 512N339Vxx · Last verified 2026-06-23. This analysis is based on the official policy brochure and user inputs. Actual benefits are subject to the insurer’s policy terms and conditions.
Educational & neutral
BullTimes Insurance Lab is educational and neutral. It does not recommend buying or rejecting any policy — it presents the numbers so you can decide.
This analysis is based on the official policy brochure and user inputs. Actual benefits are subject to the insurer’s policy terms and conditions.