Endowment Maturity Calculator

Maturity value is the sum assured plus the bonuses declared over the policy: the total reversionary bonus accumulated each year, plus any final additional bonus. This calculator adds them using the bonus rates you enter for your plan.

A reversionary bonus is declared each year as an amount per Rs 1,000 of sum assured. Once declared it is attached to the policy and paid at maturity or on a claim. Rates vary by insurer, plan, and year, so enter your plan's figures.

No. Only the sum assured is guaranteed. Bonuses depend on the insurer's performance and are declared periodically, so they can vary. Treat the bonus-based portion of the estimate as illustrative.

Your insurer publishes declared bonus rates, and they may appear in your policy documents or benefit illustration. Enter the reversionary bonus per Rs 1,000 and any final additional bonus for your specific plan.

Endowments combine insurance and savings, which can mean lower returns than separating the two. Whether it suits you depends on your goals. See the guides comparing endowment, ULIP, and term for a detailed view.