Turn your LIC policy into instant cash with minimal hassle
Your LIC policy is more than just insurance - it's a valuable asset that can provide immediate financial assistance when you need it most. Our Loan Against LIC Policy service helps you access funds quickly without surrendering your policy.
Whether you need funds for medical emergencies, education, business opportunities, or any other urgent requirement, you can leverage your LIC policy's surrender value to get instant loans with competitive interest rates and flexible repayment options.
We accept various types of LIC policies as collateral
Traditional endowment plans with maturity and surrender value benefits.
Policies that provide periodic returns and have surrender value.
Life-long coverage policies with accumulated cash value.
Term plans with return of premium and surrender value.
LIC pension and annuity plans with surrender value provisions.
Unit Linked Insurance Plans with investment and insurance benefits.
Benefits of using your LIC policy as collateral
Get loan approval and disbursement within 24 hours
Just your LIC policy documents and basic KYC papers required
Your insurance coverage continues while loan is active
Interest rates starting from 11% per annum with attractive terms
Choose tenure from 6 months to 5 years based on your needs
Repay your loan anytime without any additional charges
Understanding the loan process against your LIC policy
Complete information about our LIC policy loan offering
| Interest Rate: | 11% - 16% per annum |
| Loan Amount: | ₹10,000 - ₹50 Lakhs |
| LTV Ratio: | Up to 90% of surrender value |
| Tenure: | 6 months - 5 years |
| Processing Fee: | ₹500 - ₹2,000 |
Get your LIC policy loan in just 3 easy steps
Apply online with your policy details and documents
We verify your policy status and calculate surrender value
Get loan amount transferred to your account immediately
Apply now for loan against LIC policy and get instant funds without losing your insurance coverage.