LIC Aadhaar Stambh Plan 843 was an endowment plan only for men with an Aadhaar card, sold from 24 April 2017 to 1 February 2020. It offered ₹75,000 to ₹3 lakh cover for 10 to 20 years, paying the sum assured plus loyalty addition at maturity. A 30-year-old man with ₹3 lakh cover for 20 years pays about ₹10,795 a year.
Aadhaar Stambh 843 Premium & Maturity Calculator
Your estimate
- Premium per instalment
- ₹10,795
- Premium paying term
- 20 years
- Total premium paid
- ₹2,15,900
- Loyalty addition (assumed)
- ₹1,20,000
- Sum assured on deathplus loyalty addition after 5 years
- ₹3,30,000
- Approx. return (IRR)
- 5.98%
- Age at maturity
- 50 years
- Total premium paid₹2,15,90051%
- Net gain₹2,04,10049%
Year-wise death benefit
| Policy year | Age at entry | Premium paid | Death benefit |
|---|---|---|---|
| 1 | 31 | ₹10,795 | ₹3,30,000 |
| 2 | 32 | ₹21,590 | ₹3,30,000 |
| 3 | 33 | ₹32,385 | ₹3,30,000 |
| 4 | 34 | ₹43,180 | ₹3,30,000 |
| 5 | 35 | ₹53,975 | ₹3,30,000 |
| 6 | 36 | ₹64,770 | ₹3,66,000 |
| 7 | 37 | ₹75,565 | ₹3,72,000 |
| 8 | 38 | ₹86,360 | ₹3,78,000 |
| 9 | 39 | ₹97,155 | ₹3,84,000 |
| 10 | 40 | ₹1,07,950 | ₹3,90,000 |
| 11 | 41 | ₹1,18,745 | ₹3,96,000 |
| 12 | 42 | ₹1,29,540 | ₹4,02,000 |
| 13 | 43 | ₹1,40,335 | ₹4,08,000 |
| 14 | 44 | ₹1,51,130 | ₹4,14,000 |
| 15 | 45 | ₹1,61,925 | ₹4,20,000 |
| 16 | 46 | ₹1,72,720 | ₹4,26,000 |
| 17 | 47 | ₹1,83,515 | ₹4,32,000 |
| 18 | 48 | ₹1,94,310 | ₹4,38,000 |
| 19 | 49 | ₹2,05,105 | ₹4,44,000 |
| 20 | 50 | ₹2,15,900 | ₹4,50,000 |
Individual life insurance premiums are exempt from GST from 22 September 2025. Figures are estimates based on typical rates and may differ from LIC’s official quote.
What is LIC Aadhaar Stambh Plan 843?
LIC Aadhaar Stambh Plan 843 is a regular-premium endowment plan that LIC offered only to men who hold an Aadhaar card. Premiums are paid for the whole term. At maturity the policyholder receives the basic sum assured plus a loyalty addition, and if he dies during the term, his nominee receives the death benefit.
The plan (UIN 512N310V01) was launched on 24 April 2017 together with Aadhaar Shila 844 for women. It was withdrawn on 1 February 2020 and followed by Aadhaar Stambh 943. If you hold an 843 policy, its terms have not changed.
Aadhaar Stambh 843 at a glance
| Feature | Details |
|---|---|
| Plan number / UIN | 843 / 512N310V01 |
| Who can buy | Men with an Aadhaar card |
| Entry age | 8 years (completed) to 55 years (nearest birthday) |
| Maximum maturity age | 70 years |
| Policy term | 10 to 20 years |
| Premium paying term | Same as policy term |
| Sum assured | ₹75,000 to ₹3,00,000 |
| Sum assured steps | ₹5,000 up to ₹1.5 lakh, ₹10,000 above |
| Medical exam | Not required for standard lives |
| Loan and surrender | After 3 full years’ premiums |
| Status | Withdrawn on 1 February 2020 |
How the premium is calculated
The premium depends on age and term. The calculator applies the Aadhaar Stambh rate per ₹1,000 sum assured and then deducts:
- a mode rebate of 2% of the tabular premium for yearly payment and 1% for half-yearly, and
- a high sum assured rebate of ₹1.50 per ₹1,000 for covers of ₹2 lakh to ₹2.9 lakh and ₹2 per ₹1,000 at ₹3 lakh.
Example: a 30-year-old man with ₹3 lakh cover for 20 years pays about ₹10,795 a year, or ₹2,15,900 over the term. A 35-year-old with ₹2 lakh for 15 years on monthly mode pays about ₹902 a month.
Premiums carried GST of 4.5% in the first year and 2.25% after until 22 September 2025. Individual life policies are now GST-exempt, so the calculator shows the premium without tax.
Maturity benefit and loyalty addition
On surviving the term, the policyholder gets the basic sum assured plus the loyalty addition. LIC declares the loyalty addition only when a claim becomes payable, so it is not guaranteed. In the calculator, you assume a rate per ₹1,000 per policy year. At ₹20, the 30-year-old’s ₹3 lakh policy would mature at about ₹4,20,000, an approximate return of 6% a year on premiums. The 35-year-old’s ₹2 lakh, 15-year policy would give about ₹2,60,000.
Tip: set the loyalty addition to 0 to see the guaranteed figure. Even then, ₹3,00,000 at maturity is more than the ₹2,15,900 paid in the first example, so the policy returns more than your premiums before any loyalty addition.
Death benefit
If the policyholder dies during the term, the nominee receives the sum assured on death: the higher of 110% of the basic sum assured or 7 times the annual premium, with a floor of 105% of premiums paid. For ₹3 lakh cover, this is at least ₹3,30,000. If death occurs after five policy years, the loyalty addition is paid as well. The year-wise table in the calculator shows each year’s figure.
Loan, surrender and tax
A loan and surrender value are available after three full years’ premiums. If you are considering an early exit, first estimate the amount with our surrender value calculator.
Premiums qualify for Section 123 of the Income-tax Act, 2025 (earlier Section 80C) deduction under the old tax regime, and the maturity amount is generally tax-free under Section 11 read with Schedule II of the Income-tax Act, 2025 (earlier Section 10(10D)).
For existing policyholders
Premiums in this calculator are estimates built from the Aadhaar Stambh rate table; your policy bond shows the exact figure. Keeping an 843 policy to maturity usually makes sense, because the cover is already priced at your entry age. Men looking for a new savings plan with higher cover can compare LIC New Endowment Plan 714 or use the LIC maturity calculator.
How to use this calculator
Enter the age at entry, term, sum assured and premium mode from your bond. Keep or change the loyalty addition. The results show the yearly premium, instalment, total paid, maturity estimate, sum assured on death, approximate return and a year-wise death benefit table.
Frequently asked questions
Who could buy LIC Aadhaar Stambh Plan 843?
Only men holding an Aadhaar card issued by UIDAI, aged 8 (completed) to 55 (nearest birthday). Standard healthy lives got cover without a medical examination. Women had the parallel Aadhaar Shila Plan 844.
Is Aadhaar Stambh 843 still sold?
No. LIC withdrew Plan 843 on 1 February 2020 and replaced it with Aadhaar Stambh Plan 943. Existing 843 policies continue until maturity or claim with their original benefits.
What is the premium for ₹3 lakh in Aadhaar Stambh 843?
Our calculator estimates about ₹10,795 a year for a 30-year-old man on a 20-year term and about ₹25,706 a year on a 10-year term, after the yearly-mode and high sum assured rebates.
What is the maturity value of Aadhaar Stambh 843?
Maturity pays the basic sum assured plus a loyalty addition if LIC declares one. With ₹3 lakh cover for 20 years and an assumed ₹20 per ₹1,000 a year, the estimate is ₹4,20,000. The guaranteed part is ₹3 lakh.
What is the death benefit under plan 843?
The nominee gets the higher of 110% of the basic sum assured or 7 times the annual premium, and never less than 105% of premiums paid. For deaths after five policy years, the loyalty addition is added.
When are loan and surrender available in plan 843?
Both become available after three full years' premiums have been paid. The later version, Plan 943, reduced this to two years.
Disclaimer: LIC Premium Calculators is an independent website. We are not affiliated with, endorsed by or connected to Life Insurance Corporation of India. All figures are estimates for illustration; confirm exact premiums and benefits with LIC or a licensed agent before buying.