LIC Aadhaar Stambh Policy: Best plan for people with low income, check details

There are many investment options in which you can invest a small amount every month and build a good corpus. There are many such small savings schemes of Life Insurance Corporation of India (LIC), where the subscriber has to pay a very small premium.

Aadhaar Stambh (Plan-943) is also one such scheme of LIC, where you can earn huge profits on maturity. This scheme is for Aadhaar card holder males. Subscribers can get around Rs 4 lakh in this scheme at the time of maturity.

The special thing is that these low premium small savings schemes of LIC also provide death benefits to the investors. As per the information available on LIC’s website (, LIC Aadhaar Stambh is an insurance policy, which provides both protection and savings. This scheme is only for men and it is mandatory to have Aadhaar card to buy this policy.

LIC Aadhaar Stambh Death benefit is provided to the nominee in case of accidental death of the policyholder before the completion of the policy term, which helps in meeting the future needs of the family. If the policyholder survives till the completion of the policy term, then he/she is provided maturity benefit, which is a lump sum.

The age of the customer to buy LIC Aadhaar Stambh policy should be between 8 to 55 years. The maximum age of the applicant should not be more than 70 years at the time of maturity of the plan. In Aadhaar Stambh Policy, there is a minimum basic sum assured of Rs 75 thousand, while the maximum basic sum assured is Rs 3,00,000. The Basic Sum Assured under the policy is provided in multiples of Rs 5,000. This LIC policy is offered for a tenor of 10 years to 20 years. The risk coverage in this scheme starts immediately from the date of issue of the policy.

If a subscriber invests in this scheme for 20 years, then he can get Rs 3.97 lakh at the time of maturity. In this, the annual premium will be Rs 10,821, which is about Rs 901 per month. In this, the sum assured will be Rs 3 lakh and the loyalty addition will be Rs 97,500 with a return of 4.5 per cent per annum on the total investment. Premium can be paid on daily, monthly, quarterly, half yearly and yearly basis.


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