LIC's Jeevan Anand Scheme: Build a ₹25 Lakh Fund by Saving Just ₹45 Per Day

Saving for the future doesn’t have to mean putting away huge sums of money—sometimes, a small daily habit can grow into a substantial financial cushion over time. LIC’s Jeevan Anand Policy makes this possible, allowing you to build a fund of up to ₹25 lakh by saving only ₹45 per day.

How Does the Jeevan Anand Policy Work?

• Small Daily Savings, Big Returns:
  By setting aside just ₹45 a day (around ₹1,358 per month), you can invest roughly ₹16,300 per year in the Jeevan Anand policy.

• Long-Term Benefits:
  Continue this investment for 35 years and your total contribution will be about ₹5,70,500.

Fund Calculation & Maturity Benefits

At the end of 35 years:

• Principal Returned: Your original investment is paid back.

• Bonus Additions:

  • Revisionary Bonus: ~₹8,60,000

  • Final Additional Bonus: ~₹11,50,000

  • Basic Sum Assured: ₹5,00,000

• Total Maturity Corpus: ~₹25,00,000

Note: This calculation is based on current bonus rates and may vary. Bonuses are paid only if the policy is active for at least 15 years.

Double Bonus Benefit

• Revisionary Bonus: Added to your policy every year.

• Final Additional Bonus: Lump sum paid at maturity.

• Only policies older than 15 years enjoy these full benefits.

Insurance Cover Alongside Investment

• Provides life insurance coverage along with savings.

• If the policyholder passes away during the policy term, the nominee receives 125% of the sum assured as a death benefit.

• Choose from four rider options: accidental death, disability, critical illness, and term insurance for extra protection.

Bottom Line:
LIC’s Jeevan Anand Scheme is ideal for those looking to build a big financial fund over time with small, regular savings—while also securing life cover. If you’re disciplined with your monthly contributions, this policy can create a significant lump sum and safeguard your loved ones.