LIC Bima Jyoti — Surrender Value Calculator

Estimate the Guaranteed Surrender Value for any policy year, straight from the official brochure factors.

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 paid

Full analyzer

Surrender value

₹1,63,652

On premiums paid₹1,50,000

On accrued GA₹13,652

Break-even yearYear 18

Special Surrender Value is determined internally by the insurer and reviewed per IRDAI circular. This calculator computes the Guaranteed Surrender Value exactly; the actual surrender value paid is the higher of GSV and SSV.

How this is calculated

Guaranteed Surrender Value = premiums paid × GSV factor (by term & year) + accrued GA × GA-GSV factor.

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.