Best LIC Plans for Children in India 2026 - Complete Guide
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- June 03rd, 2026
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Introduction
Har ek parent ka sabse bada sapna hota hai ki unka bachha bada hokar apne saare sapne poore kare. Chahe woh desh-videsh mein unchi shiksha (higher education) haasil karna ho, ya phir apna koi business shuru karna ho. Lekin aaj ke daur mein mhengai (inflation) jis tezi se badh rahi hai, use dekhte hue bachhon ke future ko financially secure banana behad zaroori ho gaya hai.
Agar aap bhi apne bachche ke future ko secure aur tension-free banana chahte hain, to LIC (Life Insurance Corporation of India) ke child plans aapke liye ek behtareen aur bharosemand option ho sakte hain. In plans ke madhyam se aap bachhe ki education, marriage aur unke shuruaati career expenses ke liye ek mota fund (corpus) dheere-dheere jama kar sakte hain. Sahi plan chunne aur tax benefits ki poori jankari ke liye aap best LIC agent in Yamunanagar se salah le sakte hain, jo aapko aapke budget aur goals ke anusar sabse best child plan guide karenge.
Har ek parent ka sabse bada sapna hota hai ki unka bachha bada hokar apne saare sapne poore kare. Chahe woh desh-videsh mein unchi shiksha (higher education) haasil karna ho, ya phir apna koi business shuru karna ho. Lekin aaj ke daur mein mhengai (inflation) jis tezi se badh rahi hai, use dekhte hue bachhon ke future ko financially secure banana behad zaroori ho gaya hai.
Agar aap bhi apne bachche ke future ko secure aur tension-free banana chahte hain, to LIC (Life Insurance Corporation of India) ke child plans aapke liye ek behtareen aur bharosemand option ho sakte hain. In plans ke madhyam se aap bachhe ki education, marriage aur unke shuruaati career expenses ke liye ek mota fund (corpus) dheere-dheere jama kar sakte hain. Sahi plan chunne aur tax benefits ki poori jankari ke liye aap best LIC agent in Yamunanagar se salah le sakte hain, jo aapko aapke budget aur goals ke anusar sabse best child plan guide karenge.
Why Should You Buy a Child Plan?
Bahut se log sochte hain ki normal savings account ya FD mein paise rakhna kaafi hai, lekin child insurance plans ke apne alag aur naye fayde hote hain jo normal savings mein nahi milte. Child plans lene ke mukhya fayde neeche diye gaye hain:
Future Education Fund: Higher education aur professional courses (jaise B.Tech, MBBS, MBA) ki fees saal-dar-saal badhti ja rahi hai. Ek sahi child plan aapko us samay laya gaya bada kharcha aasaani se manage karne ki azadi deta hai.
Marriage Planning: Bachhon ki shaadi ke kharche bhi ek bada financial milestone hote hain. Long-term child plans ke maturity amount se aap bina kisi loan ke dhoom-dham se shaadi plan kar sakte hain.
Guaranteed Payouts & Financial Security: LIC ke plans mein sabse badi baat yeh hoti hai ki isme aapka paisa safe rehta hai aur returns ki guarantee milti hai.
Premium Waiver Benefit (PWB) Rider: Yeh child plans ka sabse bada feature hai. Agar policy term ke dauran parent (proposer) ke sath koi unhoni (death) ho jati hai, to aane wale saare premiums maaf (waive) ho jate hain, aur policy vaise hi chalti rehti hai taaki bachhe ka future kharab na ho.
Tax Benefits (Section 80C & 10(10D)): LIC India ki official website aur government guidelines ke anusar, bachhe ke naam par li gayi in policies par aapko Income Tax Act ke Section 80C ke tahat premium par tax exemption milti hai. Iske sath hi, maturity par milne wala return bhi Section 10(10D) ke tahat poori tarah tax-free hota hai.
Bahut se log sochte hain ki normal savings account ya FD mein paise rakhna kaafi hai, lekin child insurance plans ke apne alag aur naye fayde hote hain jo normal savings mein nahi milte. Child plans lene ke mukhya fayde neeche diye gaye hain:
Future Education Fund: Higher education aur professional courses (jaise B.Tech, MBBS, MBA) ki fees saal-dar-saal badhti ja rahi hai. Ek sahi child plan aapko us samay laya gaya bada kharcha aasaani se manage karne ki azadi deta hai.
Marriage Planning: Bachhon ki shaadi ke kharche bhi ek bada financial milestone hote hain. Long-term child plans ke maturity amount se aap bina kisi loan ke dhoom-dham se shaadi plan kar sakte hain.
Guaranteed Payouts & Financial Security: LIC ke plans mein sabse badi baat yeh hoti hai ki isme aapka paisa safe rehta hai aur returns ki guarantee milti hai.
Premium Waiver Benefit (PWB) Rider: Yeh child plans ka sabse bada feature hai. Agar policy term ke dauran parent (proposer) ke sath koi unhoni (death) ho jati hai, to aane wale saare premiums maaf (waive) ho jate hain, aur policy vaise hi chalti rehti hai taaki bachhe ka future kharab na ho.
Tax Benefits (Section 80C & 10(10D)): LIC India ki official website aur government guidelines ke anusar, bachhe ke naam par li gayi in policies par aapko Income Tax Act ke Section 80C ke tahat premium par tax exemption milti hai. Iske sath hi, maturity par milne wala return bhi Section 10(10D) ke tahat poori tarah tax-free hota hai.
Top 3 LIC Child Plans: Detailed Overview
Agar aap 2026 mein apne bachhe ke liye invest karne ka soch rahe hain, to LIC ke paas teen sabse behtareen aur popular plans hain. Aaiye in teeno ko vistar (detail) mein samajhte hain:
Agar aap 2026 mein apne bachhe ke liye invest karne ka soch rahe hain, to LIC ke paas teen sabse behtareen aur popular plans hain. Aaiye in teeno ko vistar (detail) mein samajhte hain:
1. LIC New Children’s Money Back Plan (Plan No. 932)
Yeh ek traditional, non-linked, participates money-back plan hai. Yeh plan un parents ke liye perfect hai jo chahte hain ki unhe bachhe ki padhai ke alag-alag padhaav (stages) par regular intervals par paisa milta rahe.
Features & Working: Is plan mein bachhe ke 18 saal, 20 saal aur 22 saal ke hone par Sum Assured ka 20-20% money-back ke roop mein milta hai. Bacha hua 40% amount aur sath mein accrued bonus bachhe ke 25 saal poore hone par maturity ke roop mein diya jata hai.
Risk Cover: Isme bachhe ki umar ke hisab se risk cover start hota hai. Agar policy ke dauran koi anhoni hoti hai, to nominee ko Death Benefit diya jata hai.
Age Limits (Suitable For): Yeh plan 0 se lekar 12 saal tak ke bachchon ke liye liya ja sakta hai.
Yeh ek traditional, non-linked, participates money-back plan hai. Yeh plan un parents ke liye perfect hai jo chahte hain ki unhe bachhe ki padhai ke alag-alag padhaav (stages) par regular intervals par paisa milta rahe.
Features & Working: Is plan mein bachhe ke 18 saal, 20 saal aur 22 saal ke hone par Sum Assured ka 20-20% money-back ke roop mein milta hai. Bacha hua 40% amount aur sath mein accrued bonus bachhe ke 25 saal poore hone par maturity ke roop mein diya jata hai.
Risk Cover: Isme bachhe ki umar ke hisab se risk cover start hota hai. Agar policy ke dauran koi anhoni hoti hai, to nominee ko Death Benefit diya jata hai.
Age Limits (Suitable For): Yeh plan 0 se lekar 12 saal tak ke bachchon ke liye liya ja sakta hai.
2. LIC Jeevan Tarun Plan (Plan No. 934)
LIC Jeevan Tarun ek aisi policy hai jo bache ke grow hone ke sath-sath uski education aur dusri zarooraton ko poora karti hai. Yeh ek flexible plan hai jahan aap payouts lene ka tarika khud chun sakte hain.
Features & Flexibility: Is plan mein aapko 4 options milte hain. Aap chahein to 20 se 24 saal ki umar tak har saal 5%, 10%, ya 15% ka Survival Benefit (paisa) le sakte hain, ya phir aap chahein to koi money-back na lekar seedhe 25 saal ki age par 100% maturity amount le sakte hain.
Premium Payment Term: Isme aapko bachhe ki 20 saal ki umar tak hi premium bharna hota hai, jabki policy bachhe ke 25 saal ka hone tak chalti hai (Maturing at age 25).
Age Limits (Suitable For): Yeh plan 90 days (3 mahine) se lekar 12 saal tak ke bachchon ke liye liya ja sakta hai. Yeh school aur college dono ki planning ke liye best hai.
LIC Jeevan Tarun ek aisi policy hai jo bache ke grow hone ke sath-sath uski education aur dusri zarooraton ko poora karti hai. Yeh ek flexible plan hai jahan aap payouts lene ka tarika khud chun sakte hain.
Features & Flexibility: Is plan mein aapko 4 options milte hain. Aap chahein to 20 se 24 saal ki umar tak har saal 5%, 10%, ya 15% ka Survival Benefit (paisa) le sakte hain, ya phir aap chahein to koi money-back na lekar seedhe 25 saal ki age par 100% maturity amount le sakte hain.
Premium Payment Term: Isme aapko bachhe ki 20 saal ki umar tak hi premium bharna hota hai, jabki policy bachhe ke 25 saal ka hone tak chalti hai (Maturing at age 25).
Age Limits (Suitable For): Yeh plan 90 days (3 mahine) se lekar 12 saal tak ke bachchon ke liye liya ja sakta hai. Yeh school aur college dono ki planning ke liye best hai.
3. LIC Amritbaal Plan (Plan No. 874)
Yeh LIC ka ek naya aur kaafi attractive plan hai jo vishesh roop se chote bachchon ke liye banaya gaya hai taaki unke liye ek bada wealth corpus create kiya ja sake.
Features & Guaranteed Additions: Is plan ki sabse badi khasiyat yeh hai ki isme aapko Guaranteed Additions milte hain. Iska matlab hai ki har saal aapke lagaye gaye paise par ek fix rate se bonus judta chala jata hai, jisme market risk bilkul nahi hota.
Premium Options: Isme aapko Limited Premium Payment aur Single Premium (ek baar mein paisa jama karna) dono tarike ke options milte hain.
Age Limits (Suitable For): Yeh plan 0 se lekar 13 saal tak ke bachchon ke liye upyukt hai. Jo parents long-term wealth creation aur sure-shot heavy returns chahte hain, unke liye yeh best choice hai.
Yeh LIC ka ek naya aur kaafi attractive plan hai jo vishesh roop se chote bachchon ke liye banaya gaya hai taaki unke liye ek bada wealth corpus create kiya ja sake.
Features & Guaranteed Additions: Is plan ki sabse badi khasiyat yeh hai ki isme aapko Guaranteed Additions milte hain. Iska matlab hai ki har saal aapke lagaye gaye paise par ek fix rate se bonus judta chala jata hai, jisme market risk bilkul nahi hota.
Premium Options: Isme aapko Limited Premium Payment aur Single Premium (ek baar mein paisa jama karna) dono tarike ke options milte hain.
Age Limits (Suitable For): Yeh plan 0 se lekar 13 saal tak ke bachchon ke liye upyukt hai. Jo parents long-term wealth creation aur sure-shot heavy returns chahte hain, unke liye yeh best choice hai.
Which LIC Child Plan Is Best for You? (Comparison)
Sahi plan ka chunav hamesha is baat par nirbhar karta hai ki aapka financial goal kya hai.
Higher Education Ke Liye: Agar aapka main focus bachhe ki college ya university fees par hai, jahan aapko har saal fix paise ki zaroorat padegi, to aapko LIC Jeevan Tarun Plan chunna chahiye. Iska flexible payout option education ke liye sabse best fit baithta hai.
Regular Expenses Ke Liye: Agar aap chahte hain ki bachhe ke 18 saal ka hone ke baad har do saal mein aapko paisa mile taaki aap unki coaching classes ya laptop/gadgets ke kharche nikal sakein, to LIC New Children's Money Back Plan ek ideal choice hai.
Long-Term Wealth & Marriage Ke Liye: Agar aapka bachha abhi bahut chota hai aur aap uske liye 20-25 saal baad ek bada tax-free fund chahte hain (jaise shaadi ya naya business setup karne ke liye), to aapko bina soche LIC Amritbaal Plan ko consider karna chahiye kyunki iske guaranteed additions isko kaafi majboot banate hain.
Sahi plan ka chunav hamesha is baat par nirbhar karta hai ki aapka financial goal kya hai.
Higher Education Ke Liye: Agar aapka main focus bachhe ki college ya university fees par hai, jahan aapko har saal fix paise ki zaroorat padegi, to aapko LIC Jeevan Tarun Plan chunna chahiye. Iska flexible payout option education ke liye sabse best fit baithta hai.
Regular Expenses Ke Liye: Agar aap chahte hain ki bachhe ke 18 saal ka hone ke baad har do saal mein aapko paisa mile taaki aap unki coaching classes ya laptop/gadgets ke kharche nikal sakein, to LIC New Children's Money Back Plan ek ideal choice hai.
Long-Term Wealth & Marriage Ke Liye: Agar aapka bachha abhi bahut chota hai aur aap uske liye 20-25 saal baad ek bada tax-free fund chahte hain (jaise shaadi ya naya business setup karne ke liye), to aapko bina soche LIC Amritbaal Plan ko consider karna chahiye kyunki iske guaranteed additions isko kaafi majboot banate hain.
Conclusion & Next Steps
LIC ke child insurance plans sirf ek investment nahi hain, balki yeh aapke bachhe ke surakshit bhavishya ka ek pakka vada hai. Kal ko agar market crash ho jaye ya aap unke sath na bhi rahein, tab bhi LIC unki padhai aur sapno ko tootne nahi degi.
Plan select karne se pehle apni financial needs, monthly budget aur future goals ko achhi tarah samajhna behad zaruri hai. Har family ki situation alag hoti hai, isliye custom advice zaroori hai. Aap hamare through LIC Child Insurance Policy Consultant se contact karke free mein portfolio review aur premium quotation karwa sakte hain, taaki aap bina kisi hassle ke sahi decision le sakein.
LIC ke child insurance plans sirf ek investment nahi hain, balki yeh aapke bachhe ke surakshit bhavishya ka ek pakka vada hai. Kal ko agar market crash ho jaye ya aap unke sath na bhi rahein, tab bhi LIC unki padhai aur sapno ko tootne nahi degi.
Plan select karne se pehle apni financial needs, monthly budget aur future goals ko achhi tarah samajhna behad zaruri hai. Har family ki situation alag hoti hai, isliye custom advice zaroori hai. Aap hamare through LIC Child Insurance Policy Consultant se contact karke free mein portfolio review aur premium quotation karwa sakte hain, taaki aap bina kisi hassle ke sahi decision le sakein.
