LIC SIIP Plan 852 Calculator: Calculate Returns & Maturity

Understanding LIC SIIP Plan 852 and How to Use the Calculator

Are you looking for a smart investment plan that offers both insurance and market-linked returns? The LIC SIIP Plan 852 might just be the answer! LIC’s Systematic Investment Insurance Plan (SIIP) is a unit-linked, non-participating life insurance plan that helps

you grow your wealth while securing your family’s future. And guess what? There’s a handy LIC SIIP Plan 852 Calculator that makes it super easy to estimate your returns, maturity value, and more. In this blog, we’ll break down the plan’s features and walk you through how to use the LIC SIIP returns calculator like a pro. Let’s dive in!

What is LIC SIIP Plan 852?

The LIC SIIP Plan 852 is a unique blend of insurance and investment. Here’s what makes it stand out:

• • Unit-Linked Plan: Your premiums are invested in funds of your choice—Bond, Secured, Balanced, or Growth—each with different risk profiles.

• • Flexible Premiums: Choose how much and how often you want to pay—yearly, half-yearly, quarterly, or monthly.

• • Life Cover: Get a death benefit that’s the higher of the sum assured or the fund value, ensuring your loved ones are financially secure.

• • Maturity Benefit: On surviving the policy term, you receive the entire fund value as a lump sum.

• • Partial Withdrawals: After 5 years, you can make partial withdrawals for emergencies.

• • Riders Available: Add extra protection with riders like Accident Benefit.

Whether you’re a seasoned investor or just starting, the LIC SIIP 852 maturity calculator helps you visualize how your money grows over time. Let’s see how!

Why Use the LIC SIIP Plan 852 Calculator?

The LIC SIIP returns calculator is your go-to tool for:

• • Estimating your maturity value based on your premium, term, and chosen fund.

• • Calculating the death benefit for your nominees.

• • Understanding how charges (like allocation, mortality, and fund management) impact your returns.

• • Planning withdrawals or switches between funds.

It’s like having a financial advisor at your fingertips! Plus, you can download the LIC SIIP Plan 852 Calculator pdf for offline use or share it with friends.

How to Use the LIC SIIP Plan 852 Calculator: A Step-by-Step Guide

Using the LIC SIIP 852 maturity calculator is as easy as pie. Follow these steps to get started:

Step 1: Visit the Calculator Page Head over to a trusted website offering the LIC SIIP Plan 852 Calculator. You can search for “LIC SIIP calculator” or use the direct link if available.

Step 2: Select Your Currency If you’re an international user, choose your preferred currency (INR, USD, EUR, GBP). The calculator will adjust all values accordingly.

Step 3: Enter Your Annual Premium Input your annualized premium amount. Remember, the minimum is ₹25,000 (or equivalent). For example, if you’re paying $300 in USD, the calculator will convert it to INR internally.

Step 4: Choose Your Premium Payment Mode Select how often you’ll pay—Yearly, Half-Yearly, Quarterly, or Monthly. This affects how premiums are allocated each year.

Step 5: Set Your Policy Term Pick a term between 10 and 25 years. Longer terms might offer better growth, but it depends on your financial goals.

Step 6: Input Your Age Enter your age at entry (0-50 years). This impacts the mortality charges deducted from your fund.

Step 7: Select Your Fund Type Choose from Bond, Secured, Balanced, or Growth funds based on your risk appetite. Each fund has a different growth potential.

Step 8: Adjust the Growth Rate The calculator assumes an annual growth rate (4%-8%). You can tweak this to see different scenarios. For a realistic estimate, stick to 6-8%.

Step 9: Click “Calculate” Hit the calculate button, and voila! You’ll see a detailed breakdown of your investment.

Step 10: Review the Results The LIC SIIP returns calculator will display:

• • Year-wise Details: How your fund grows each year, including premiums paid, charges, and growth.

• • Maturity Benefit: The total amount you’ll receive at the end of the term.

• • Death Benefit: The amount your nominees would get if the unexpected happens.

You can even download the LIC SIIP Plan 852 Calculator pdf for future reference.

Pro Tips for Using the Calculator

• • Experiment with Terms: Try different policy terms to see how they affect your maturity value.

• • Play with Growth Rates: Adjust the growth rate to understand best and worst-case scenarios.

• • Check Currency Impact: If you’re an international user, switch currencies to see how exchange rates affect your investment.

• • Save Your Results: Take a screenshot or download the pdf to track your planning.

Why LIC SIIP Plan 852 is a Smart Choice

• • Market-Linked Returns: Unlike traditional plans, your money grows with the market (minus charges).

• • Flexibility: Switch between funds, make partial withdrawals, and choose your premium mode.

• • Tax Benefits: Enjoy tax deductions under Section 80C and tax-free maturity under Section 10(10D).

• • Global Appeal: With the international calculator, it’s perfect for NRIs or global investors.

The LIC SIIP Plan 852 Calculator makes it easy to see why this plan is a win-win for both protection and growth.

Conclusion

The LIC SIIP Plan 852 is more than just an insurance policy—it’s a wealth-building tool. With the LIC SIIP returns calculator, you can plan your investment confidently, knowing exactly what to expect. Whether you’re in India or abroad, this calculator adapts to your needs, making it a truly global tool.

Ready to get started? Try the LIC SIIP 852 maturity calculator today and take control of your financial future!