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Last Updated: June 2026

LIC Maturity Claim 2026 — Get Your Money in 5–7 Days

When your LIC endowment or money-back policy completes its term, you receive the maturity amount — Sum Assured plus accumulated bonuses. This guide covers what documents you need, how to submit online or at a branch, and how long LIC takes to pay.

Verified by NagrikIQ Research Team
Sources: Official .gov.in portals only · Updated June 2026
Official Sources
LIC Claims Portal — Official Portal →

LIC policies mature and then the money just... sits there — because nobody told you what to do next, and the intimation letter LIC sends looks like it was designed in 1998. I've seen people wait months after maturity simply because they didn't know Form 3825 existed or that the original policy bond (which their parents stored in a trunk somewhere) is mandatory. The good news: once you have the documents together, LIC actually pays fast — NEFT in 5–7 days, no agent needed.

— Sibin O, Founder, NagrikIQ · Last verified June 2026

Overview

When a LIC endowment or money-back policy completes its full policy term, the policyholder receives the maturity benefit — typically the Sum Assured plus all accumulated bonuses (Simple Reversionary Bonus + Final Addition Bonus / Loyalty Addition). This amount is paid directly to the policyholder's bank account. LIC now sends advance notices 2–3 months before maturity via SMS and email. Many policyholders also receive a maturity intimation letter. You can also proactively check your maturity date at licindia.in. Maturity amount is tax-free under Section 10(10D) of the Income Tax Act — provided annual premium did not exceed 10% of Sum Assured (for policies issued after April 2012). For most standard LIC endowment policies, the maturity amount is fully tax-exempt.

Eligibility

  • Policyholder whose endowment, money-back, or whole life policy has completed its full term.
  • Policy must be in 'In-Force' status — all premiums must have been paid (no lapses without revival).
  • In case the policyholder has died before maturity: nominee/legal heir can claim the survival benefit differently (that is a death claim).
  • Policies with a loan outstanding: LIC adjusts the outstanding loan + interest from the maturity amount before paying the balance.

Documents Required

Discharge Form 3825 — signed by policyholder (LIC sends this in advance; also available at branches/licindia.in)
Original Policy Bond — the physical document issued when policy was taken
NEFT/bank details form — cancelled cheque or bank passbook copy for direct transfer
Identity proof — Aadhaar or PAN card (copy)
Revenue stamp — one ₹1 revenue stamp to be affixed on the discharge form
If original policy bond is lost: submit Indemnity Bond (Form 3756) along with an affidavit

Fees & Processing Time

Fee
There is no fee to claim LIC maturity. The full maturity amount (SA + bonus) is paid to you. TDS: For most LIC policies, maturity amount is tax-free under 10(10D), so no TDS is deducted. Exception: if premium exceeded 10% of SA, TDS at 1% applies under Section 194DA.
Processing Time
LIC typically processes maturity claims within 5–7 working days of receiving complete documents. Payment is made by NEFT directly to the bank account provided.

How to Apply Online

  1. 1LIC sends a maturity intimation letter/SMS approximately 2 months before maturity. If not received, check maturity date at licindia.in.
  2. 2Download Discharge Form 3825 from licindia.in → Forms → Maturity Claim Forms, OR collect from your LIC branch.
  3. 3Fill Form 3825: policy number, your full name, bank details (account number + IFSC), and sign with a ₹1 revenue stamp.
  4. 4Attach: original policy bond + cancelled cheque/passbook copy + copy of Aadhaar/PAN.
  5. 5Submit documents at: (a) Your LIC branch (walk-in), OR (b) Courier/post to the LIC branch that services your policy.
  6. 6LIC verifies documents and credits maturity amount to your bank via NEFT within 5–7 working days.
  7. 7You receive an SMS confirmation when payment is processed.

How to Apply Offline

  1. 1Visit your servicing LIC branch (the branch where the policy was issued or transferred to).
  2. 2Carry all original documents — policy bond, filled Form 3825 with revenue stamp, ID proof, bank details.
  3. 3Submit at the Claims Counter. Receive acknowledgement with a claim reference number.
  4. 4Follow up after 7 working days if payment is not received.

Common Problems & Solutions

Original policy bond is lost — can I still claim?
Yes. Submit an Indemnity Bond (Form 3756) available at any LIC branch. You will also need to fill a Non-Traceable Certificate and provide an affidavit on stamp paper. The branch processes the claim after verifying your identity. Processing takes 15–30 days vs 7 days with original bond.
Maturity amount is lower than expected
If you have a policy loan outstanding, LIC deducts the loan + accrued interest from maturity. Check your loan balance at licindia.in before maturity. The breakdown of maturity calculation (SA + bonus - loan) is shown in your maturity intimation letter. Contact your branch if the deduction seems incorrect.
TDS was deducted on maturity — why?
TDS under Section 194DA at 1% applies if: (a) maturity amount exceeds ₹1 lakh AND (b) annual premium paid exceeded 10% of Sum Assured. This applies to some high-premium policies issued after April 2012. If TDS was deducted, it will appear in your Form 26AS. You can claim it back by filing Income Tax Return if your total income is below the taxable threshold.

Frequently Asked Questions

What is the difference between maturity claim and death claim?

Maturity claim: paid to the policyholder when the policy completes its full term and the policyholder is alive. Death claim: paid to the nominee when the policyholder dies during the policy term. For a death claim, the nominee must submit different forms (Form 3784) along with death certificate, nominee's ID, and bank details.

My LIC policy matured but I never claimed — is the money still available?

Yes. Unclaimed maturity amounts earn interest under LIC's unclaimed amount policy. LIC holds unclaimed amounts in a separate fund. Submit your claim at any time — bring your original policy bond, Form 3825, and bank details. There is no time limit for maturity claims.

How do I know the exact maturity amount I will receive?

Login to licindia.in → Customer Portal → click on your policy → 'Policy Details' shows the maturity sum assured. Bonus is declared annually and the final amount is confirmed in the maturity intimation letter. As a rough estimate: maturity ≈ Sum Assured + (Sum Assured × bonus rate × years). For a 20-year ₹5 lakh policy, maturity is typically ₹9–12 lakh.

Helpline & Support

  • LIC Helpline: 022-68276827 (8AM–8PM, Mon–Sat)
  • WhatsApp: +91-8976862090
  • Email: bo_complaints@licindia.in
  • Track claim: licindia.in → Customer Portal → Claim Status

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Disclaimer: NagrikIQ is an informational platform and is not affiliated with any government department. Information provided is for guidance only. Always verify details on the official government portal before taking action.