LIC Bima Jyoti — Policy Loan Calculator

Find the maximum loan available against the policy — a percentage of the surrender value at the brochure interest rate.

Your details

Basic Sum Assured

Min ₹2,00,000

Policy term

Premium paying term

Annual premium (ex-GST)

Current policy year

Completed years for which premiums are paidPolicy status

Full analyzer

Maximum policy loan

₹1,22,739

Surrender value₹1,63,652

Maximum percentage75%

Interest rate9.50%

How this is calculated

Maximum loan = 75% of the surrender value while in force.

See the full analysis with charts and health profile

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.