LIC Kanyadan Policy ka main objective hai apni beti ke future ke liye saving ko encourage karna. 25 saal poore hone par aapko ₹27 lakh diye jayenge.
Agar aap bhi apni beti ke future ko lekar chintit hain, toh aaj main aapko ek aisi policy ke baare mein batane ja raha hoon jo aapki chinta ko kam karte hue aapke chehre par umeed ki ek kirn lekar aayegi.
LIC ki Kanyadan Policy aapki beti ke education aur marriage ke liye ek blessing ki tarah hai, jo ₹27 lakh tak ki financial madad deti hai.
LIC Kanyadan Policy aapko beti ki education aur shaadi ke liye financial help provide karti hai. Saath hi aapke parivaar ko ₹5 lakh tak ka extra insurance coverage bhi milta hai.
Yeh policy specifically beti ke education aur marriage ke liye saving ko badhawa dene ke liye banayi gayi hai.
Aap koi bhi individual ismein invest kar sakte hain, aur aapki investment ₹75 per day se start hoti hai, jo aap ₹121 per day tak bhi badha sakte hain.
Key Features of LIC Kanyadan Policy
Yeh plan 25 saal ke liye hota hai, jisme aapko ₹121 per day ya ₹3600 per month ka premium dena hota hai.
Yeh premium aapko 22 saal tak dena hota hai, aur 25 saal ke baad aapko ₹27 lakh milenge.
LIC Kanyadan Policy aapko LIC Jeevan Lakshya Policy ke benefits bhi deti hai, jo aapke financial security ko aur mazboot banati hai.
Flexibility in Terms
Aap apne hisaab se is LIC Kanyadan Policy ka term 13 se 25 saal tak choose kar sakte hain.
Yeh faida hai ki chahe aap jo term choose karein, aapko har term me sirf 3 saal kam premium dena hoga.
Jaise agar aapki beti abhi ek saal ki hai aur aap 25 saal ka term choose karte hain, toh aapko sirf 22 saal tak premium dena hoga.
Is policy ka main aim yeh hai ki log apni beti ke future ke liye saving kar sakein, jisse unhe education aur shaadi ke liye paisa jama karne mein koi dikkat na ho.
Yeh policy aapko apni beti ke wedding ke liye bhi financial stress ko door karne mein madad karegi.
Eligibility Criteria for LIC Kanyadan Policy (2022)
Is policy ka benefit lene ke liye, yeh cheezein zaroori hain:
- Aapki age 18 se 50 saal ke beech honi chahiye.
- Beti ki minimum age kam se kam 1 saal honi chahiye (agar aap 25 saal ka term lena chahte hain).
- Beti ki age ke hisaab se term ka duration adjust kiya jaa sakta hai, aur aap apne budget ke hisaab se premium bhi adjust kar sakte hain.
Tax Benefits Under LIC Kanyadan Policy
LIC Kanyadan Policy ke under aapko Income Tax Act, 1961 ke Section 80C ke tahat premium par tax deduction milta hai, jo ₹1.5 lakh tak ho sakta hai.
Saath hi, Section 10(10D) ke under maturity ya death claim amount par bhi tax exemption milti hai.
Important Points About LIC Kanyadan Policy
- Is policy ko lene ke liye father ki minimum age 30 saal honi chahiye.
- Maximum term 25 saal tak available hai.
- Aapko ₹121 per day premium dena hi zaroori nahi hai; aap apne coverage needs ke hisaab se premium kam ya zyada kar sakte hain.
- Aap premium daily, monthly, quarterly, semi-annually, ya annually bhi pay kar sakte hain.
Benefits of LIC Kanyadan Policy
Yeh policy mainly beti ke future ko financially secure karne ke liye hai. Maturity pe aapko pura sum insured milta hai.
Agar policyholder ki death ho jaati hai, toh uske parivar ko baaki ke years ke premiums pay karne ki zaroorat nahi hoti. Iske alawa:
- Agar policyholder ki accident ke wajah se death hoti hai, toh parivar ko ₹10 lakh tak ka immediate assistance milta hai.
- Agar death natural hai, toh ₹5 lakh ki assistance milti hai.
- Family ko har saal policy cover ka 10% annual installment ke roop mein milta hai.
- Policy ke 25 saal hone par full cover (₹27 lakh) diya jata hai.
Agar policyholder ne term ke end tak premiums ko pay kiya hai, toh unko insured amount + additional bonus (agar koi hai) milta hai.
Jo log Bharat se bahar rehte hain (aur jo Indian citizens hain), unke liye bhi yeh policy available hai.
Required Documents for LIC Kanyadan Policy
LIC Kanyadan Policy ke liye apply karte waqt, aapko ye cheezein zaroori hain:
- Aapki age 18 se 50 saal ke beech honi chahiye.
- Policy term 13 se 25 saal tak ho sakta hai.
- Beti ki age kam se kam 1 saal honi chahiye.
Required documents:
- Aadhaar card
- Income certificate
- Identity proof
- Proof of address
- Passport-sized photo
- Completed aur signed proposal form
- First premium payment cheque ya cash se
- Beti ka birth certificate
How to Apply for LIC Kanyadan Policy 2022
Agar aap LIC Kanyadan Policy ke liye apply karna chahte hain, toh aapko apne nearest LIC office ya LIC agent se contact karna hoga.
Wahan jaake aapko batana hoga ki aap LIC Kanyadan Policy mein invest karna chahte hain, taaki wo aapko LIC Kanyadan Policy ke terms samjha sakein.
Aap apne hisaab se term aur premium choose kar sakte hain. LIC agent ko apni saari details aur documents deni hogi, aur wo aapka form bhar denge.
