How to Pay LIC premium online?

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1. How to pay LIC Premium using SBI Credit Card? wrote:

   [...] can pay the LIC policy premium using the SBI credit cards. In my previous article I have explained how to pay the LIC policy online. It provides the option of paying only from the debit cards. In case if you want to pay it from the [...]

   November 9th, 2009 at 12:02 am
2. How to revive lapsed LIC policy? wrote:

   [...] this article is to bring those important facts for our readers. Also, read our previous article on how to pay the premium online?. I would like to hear feedback from you after reading the article. Please subscribe to our future [...]

   November 23rd, 2009 at 12:02 am
3. Query on LIC Policy wrote:

   [...] Yes. You can continue the policy when you are outside India. You can either send the premium from abroad or using the Indian bank. Also you can use the online premium payment. [...]

   December 29th, 2009 at 12:02 am
4. Personal Finance Tips for 2010 – Part 2 wrote:

   [...] Nowadays, most of the banks and insurance companies offer the online account. You need not go directly and pay the bills. The good part of the online account is, you can take the bills at any time by logging into your account. One example of that service is, paying LIC premium through online account. [...]

   January 7th, 2010 at 12:02 am

1. Praveen said:

   Quite useful information.
   I have always been waiting for such an online payment option with LIC.
   Thanks for sharing these details.

   September 8th, 2009 at 10:22 pm
2. asif said:

   Will I be able to print reciept in PDF format or some other format??
   willl the online payment reciept be sufficient for tax saving purpose in office ( as it will only be a printout ) ???

   September 8th, 2009 at 10:58 pm
3. krishnas said:

   Hello Praveen,

   Thank you for the comments. This service is available for long time but people not aware of the facility. I just want to share my experinece here.

   Hope you have enjoyed it. If you have any doubts on LIC or any other insurance policies please post it here.

   Thanks,
   Krishna

   September 9th, 2009 at 1:01 am
4. krishnas said:

   Hello Asif,

   You will be able to print the receipt from the LIC site. It is sufficient to claim the tax benefits. I am sure about it.

   Thanks,
   Krishna

   September 9th, 2009 at 1:05 am
5. B. C. Satyanarayana said:

   Sir,

   I have three policies in LIC. Recently I was resigned for my job in India and Joined in one of the Middle East company. Now i am facing lot of problem for paying monthly premium. Can you advise me for paying online through my SBI/ICICI debit cards

   It will be highly appreciated if you can send a online payment procedure to my e-mail address.

   Regards,

   B.C.Satyanarayana

   September 14th, 2009 at 4:09 am
6. krishnas said:

   Hello B. C. Satyanarayana,

   Please read the above article. This article explained in very detail about how to pay the LIC premium online. Even if you are not in India, you can register online and pay the LIC premium using your debit card or credit card.

   Thanks,
   Krishna

   September 14th, 2009 at 4:23 am
7. Srija said:

   Hi Krishna,
   Can i pay LIC premium through my ICICI credit card.
   If not what other credit cards are allowed to pay lic premimum amount.

   Can i pay half of LIC premimum now half amount after some days.
   If my due date is in the October end can i pay half amount today and half amount in october.

   If credit cards are allowed to pay premium, can i use to two cards to pay them as per the card amount eligibility.

   Please respond to my queries.

   My premumum amount is a big amount, so i am looking for the options to pay. As this year is a very tight year for me.

   September 21st, 2009 at 4:37 am
8. madhav said:

   i have registered to pay the lic premium through online.
   after enrolling i could see only Policy number, Installment Premium,Service Branch, Successful Enrollment(Y/N) .
   and it says ”Y – Your policy is successfully enrolled.
   N – 1.You might have already enrolled the policy, if not then please try later.
   2.There might be Premium/Date of Birth mismatch. ”

   but while registering i have filled all correct.
   please tell me where i went wrong

   October 12th, 2009 at 6:19 am
9. krishnas said:

   Hello madhav,

   It happens some times when you are not filing the correct details. Did you enter the premium correctly? can you try again.

   Thanks,
   Krishna

   October 12th, 2009 at 7:17 am
10. krishnas said:

    Hello Madhav,

    I found one thing while enrolling the new policy. If the profile’s birth date and birth date of policy which you are enrolling is different, then it will not allow you to add the policy. This restriction is because each person should have the separate user id to enroll the policy.

    Thanks,
    Krishna

    November 16th, 2009 at 5:54 am
11. pramod said:

    Hi

    Thanks for the details, I would like to know does this online premium payment works on weekends. I would like to know if these works on SUNDAY / Saturdays as of your experience.

    Thank you again…

    December 5th, 2009 at 10:47 am
12. krishnas said:

    Hello Pramod,

    It will work for all the days and 24 hours. You can make the payment any time.

    Thanks,
    Krishna

    December 7th, 2009 at 5:06 am
13. Arun said:

    Hi Krishna,

    Thanks for sharing the information with us. I usually send the money to my relatives in india from abroad to pay the premiums. I think hereafter i can make the payment online

    Thanks,
    Arun

    December 12th, 2009 at 1:39 pm
14. vrinda said:

    hello sir ,I have one question regarding my husband’s lic premium . We r currently in USA . In 2004 we took Jeeven anand policy .one of our relatives use to pay our signed lic cheques /premium to the Lic Branch every year .But now he moved to some other city .W e heard that though we try to pay premium online , we r supposed to give printed form n user id in person to the branch where they will register the policy. Is this true for us also who already r paying premiums from past 5 years or to the customers who have just opened account and paying 1 st premium . also birthdate should be written in what format , while verification of online account? thanks .

    December 22nd, 2009 at 11:53 pm
15. krishnas said:

    Hello Vrinda,

    There is no need to visit the branch to pay the premium, You can register online and pay the premium even you have already paid through agent.

    Thanks,
    Krishna

    December 25th, 2009 at 9:14 am
16. suresh said:

    sir,pls,say me how to register the agent login???

    January 1st, 2010 at 10:08 pm
17. sankar said:

    How can I get the Userid again which I forgot it.

    January 4th, 2010 at 11:09 pm
18. karthika said:

    How can I get the Userid again which I forgot it

    January 5th, 2010 at 2:38 am
19. krishnas said:

    Hello suresh,

    You can do it through licindia.com

    Thanks,
    Krishna

    January 9th, 2010 at 9:05 am
20. krishnas said:

    Hello sankar,

    You can register for the new user id.

    Thanks,
    Krishna

    January 9th, 2010 at 9:06 am
21. Manish said:

    Hi,
    I tried to create my new account but it suggests that policy no. already registered try another one. While i have never used this service any before.
    I tried to go through problem in signing option but it also ask for user ID.
    I am not able to pay my premium online. Please help.
    How can i create my account

    January 11th, 2010 at 10:03 pm
22. krishnas said:

    Hello Manish,

    I don’t think it will be a problem. Can you send me what error you are getting while registering?

    Thanks,
    Krishna

    January 11th, 2010 at 10:40 pm
23. vinay said:

    Hi,

    I am also facing same problem when trying to register for new policy.

    Policy is already registered.Please try different Policy number.

    Please suggest how to proceed further with registering my account.

    January 14th, 2010 at 11:28 am
24. krishnas said:

    Hello Vinay,

    It should allow. It looks strange. Are you providing all the details.

    Thanks,
    Krishna

    January 15th, 2010 at 4:56 am
25. wahid pasha said:

    hii

    this is nri i ve three policy which has been my name but thing is what
    very deficult to pay my premiuum what i have because i am in dubai please tell me which prociture can i follow to pay from dubai to india if any there please let me
    i hope u understant

    January 18th, 2010 at 4:18 pm
26. sivakumar said:

    Many thanks for the information.
    But, my concern is that I have enrolled a policy but I can’t see my policy details. Also, I have made my premium payment thru’ online and the amount was also deducted from my bank account. Moreover, I have received an “Enrollment Form” to my mail id, which instructed me to submit it to the nearest branch. I am afraid whether I have made a valid payment or should I have to do anything further? Please advise.

    January 24th, 2010 at 12:07 am
27. krishnas said:

    Hello wahid pasha,

    You can read this complete article and pay the premium online.

    Thanks,
    Krishna

    January 24th, 2010 at 1:23 am
28. krishnas said:

    Hello Sivakumar,

    Can you provide more details like where you have paid the payment. It should be very easy way to pay online.

    Thanks,
    Krishna

    January 24th, 2010 at 1:25 am
29. shad said:

    i tried to register for making premium payment online. but after i fill in the details and submit it says “wrong data”
    Now i do not know what mistake i have made. i wrote the amount as: 10000.00 then date of birth as: 22.03.1980
    i gave the policy number and email address. where did i go wrong? there are no guidelines for new registration. can u pl. help?

    January 25th, 2010 at 11:53 am
30. krishnas said:

    Hello Shad,

    Did you give the DOB as per the policy document. That only cause problem here. Please check it again.

    Thanks,
    Krishna

    January 25th, 2010 at 7:14 pm
31. Raghavendra(Son) said:

    online payment is good. But, we are not receiving any alerts to mobile. Only Iam receiving e-mail alerts. Why?
    I have registered my mobile no…

    February 8th, 2010 at 5:50 am
32. krishnas said:

    Hello Rag,

    What kind of alerts you are expeting?

    Thanks,
    Krishna

    February 8th, 2010 at 9:15 pm
33. rajendra m devi said:

    In step 4, i observed my netbanking bank is not in the list.
    Why all banks are not having facility ?

    RM Devi

    February 9th, 2010 at 2:57 am
34. Ramya S said:

    How can I get the Userid again which I forgot it? I tried to get New UserId but i got the error as ‘Policy already registered’ and iam not able to create a new userid. Please help me to get a new userid.

    February 9th, 2010 at 10:46 pm
35. sadanand said:

    how to pay my online lic premium from internet and also how to know my preimium due date please let me know

    February 15th, 2010 at 7:38 am
36. Hema said:

    How can I get the Userid in LIC online. I tried to get New UserId but i got the error as ‘Policy already registered’ and iam not able to create a new userid. Please help me to get a new userid.

    February 18th, 2010 at 11:47 pm
37. CimbiliMohanChowdary said:

    I tried to register for making premium payment online. but after i fill in the details and submit it says “wrong data”
    Now i do not know what mistake i have made. i filled policy no,premium amount,dateof birthand emailID.
    where did i go wrong? there are no guidelines for new registration. can u pl. help?

    Regards,
    MohanCimbili

    March 4th, 2010 at 4:01 am
38. Gurpreet said:

    LIC india site accepts only net banking facilities and debit card of two banks. it DOES NOT ALLOW CREDIT CARD PAYMENTS. They have also written this on their website very clearly !!

    March 5th, 2010 at 8:20 am
39. santosh kumar said:

    Dear Sir,
    Not able to find the option for premium payment of LIC komal jeevan, By SBI DEBIT CARD–It shows SBI netbanking etc…..Pls tell the procedure to pay online by SBI Debit card.

    thank you
    santosh

    March 8th, 2010 at 11:01 am
40. mesha said:

    can i make the premium payment online through debit card

    March 13th, 2010 at 3:45 am
41. Uday Doshi said:

    Hello friends,

    Can i avail Sec 80C benefit , if i pay my life insurance premium by credit card. I understand there is no mention under Sec80C regarding mode of payment.

    I guess it should be ok as long as the insurance company gives a valid receipt and certificate.

    Kindly advise at earliest.

    Uday Doshi.

    March 14th, 2010 at 12:47 am
42. Sanjay Kumar said:

    Can I pay my LIC premium through my ICICI/SBI debit card ??

    March 15th, 2010 at 10:07 pm
43. Hemant said:

    According to the article which you written we get all the thing but I have one question?
    Is there any Issue, When we are paying our LIC premium via any Debit Card whether it is of any bank (i.e SBI, HDFC, ICICI etc) LIC getting money through this transaction and that is purely white money due to bank transaction, so there is no issue about type of money.

    With that this comes under section 80C but it also comes under section 10 10D where after maturity we will not paying any income tax on that money. Actually one of the guys told me this thing so I just want to confirm with You.

    Waiting for you response…
    Hemant…

    March 16th, 2010 at 11:23 pm
44. Hemant said:

    Hello Friend,

    According to the article which you written we get all the thing but I have one question?
    Is there any Issue, When we are paying our LIC premium via any Debit Card whether it is of any bank (i.e SBI, HDFC, ICICI etc) LIC getting money through this transaction and that is purely white money due to bank transaction, so there is no issue about type of money.

    With that this comes under section 80C but it also comes under section 10 10D where after maturity we will not paying any income tax on that money. Actually one of the guys told me this thing so I just want to confirm with You.

    Waiting for you response…
    Hemant…

    March 16th, 2010 at 11:25 pm
45. Ramya S said:

    Sir, How can I get the Userid again which I forgot it? I tried to get New UserId but i got the error as ‘Policy already registered’ and iam not able to create a new userid. Please help me to get a new userid.

    March 22nd, 2010 at 9:22 pm
46. Phani said:

    Can i pay moneyplus policy premium through online

    April 7th, 2010 at 4:37 am
47. hariv said:

    How do you retrieve the forgotton UserID? There is not facility to retrieve the user id and also it does not accept another registration.

    April 20th, 2010 at 8:41 am
48. Suresh Chandra Pradhan said:

    Hello Friends
    I am a policy holder in Nayagarh Branch (Orissa) LIC of India but i am in out of Orissa.Due to some problem i was not pay my four installment now i want to deposit all my previous amount through online but payment not receive in online So please guide me how to deposit in online.

    April 29th, 2010 at 5:31 am
49. bmmarwah said:

    i deposited on line premium hy on 30/10/09 but now foeger user id how use on line deposit

    April 30th, 2010 at 7:43 am
50. Manasee Kambli said:

    Hi,

    Do I have to pay a higher premium if I pay it online rather than through cheque?

    could someone please help.

    Manasee

    May 3rd, 2010 at 12:15 am
51. revati nandan said:

    how to get user name & passwords in case of forgotten.

    May 10th, 2010 at 2:23 am
52. Asif said:

    Can anyone please suggest on how to get the Forgotten user id and pw back. When i try for new one it says policy already registered.

    May 14th, 2010 at 12:26 am
53. Raghunath Muduli said:

    Can i pay LIC premium through my ICICI credit card.
    If not what other credit cards are allowed to pay lic premimum amount.

    Regards,

    Raghunath Muduli

    May 22nd, 2010 at 3:21 am
54. Nasar Jabbar said:

    I have JP Morgan chase bank debit card. How can I pay my policy premium by using this card. is the same way like sbi credit card? kindly rply to my email.

    May 22nd, 2010 at 8:12 am
55. Gaurav said:

    Hi Sir,

    I have forgotten my User ID,

    So, I Want to know how to get the new user iD with the same policy no.
    Bz i have tried 2-3 times for creating new user ID. Its said, USER ID is already created corresponding this policy no.thats why m not able to pay the payment online.

    Pls suggest what should i do??

    Thanks in advance

    May 24th, 2010 at 11:23 pm
56. Praveen Upadhyay said:

    Hi,

    I dont thing LIC premium can be paid with credit card mode. Please clarify since you have mentioend credit card as one of the payment method.

    regards

    June 6th, 2010 at 3:55 am
57. krishnas said:

    HI Praveen Upadhyay,

    Yes. LIC can not be paid through Credit Card in LIC website. But, you can pay using credit card if the CC company has the utility bills payment facility. SBI card has that.

    Thanks,
    Krishna

    June 6th, 2010 at 5:38 am
58. sanjay sarkar said:

    Hi Krishna, I am several lic policy holders. I have got premium receipts printed online many times. But presently I am unable to see my enrolled lic policy status because the login/user id do not permit me to log and say that your user id/password not correct whereas I am opening many of sites with the same user id/password which is not understood be me or neither I can cancel the user id/password so as to open new registration. I am faded up with the problem. So please advise me the future action from my side immediately as because my survival benefit for one money back policy already over on 28.3.2009 but i have not yet got any SB amount from

    June 8th, 2010 at 1:27 am
59. krishnas said:

    Hello sanjay sarkar,

    Have you created the new use id? or you are facing the problem with the existing user id? Please let me know your problem in detail.

    If you don’t have the id please create one with policy details.

    Thanks,
    Krishna

    June 8th, 2010 at 7:26 pm
60. sanjay sarkar said:

    Hi Krishna. In response to your query, I am to inform you that I could not be able to open new user id. Actually, I am facing problem with existing user id. Whenever, I try to log in with my existing user id, it says that ” Invalid user id or password ” . Also I cannot open new user id/password despite several trials that is my problems. Hoping for your valuable advice enabling me to open anew user id/password please.

    With due regards.

    June 8th, 2010 at 8:06 pm
61. krishnas said:

    Hello sanjay sarkar,

    What is the exact error message you are getting. If you are not able to login try to reset the password by clicking on the link forgot password. Are you giving the correct birth date while trying to register? Some time this process will be giving error. Many readers already have reported the same issue. We can resolve it.

    Thanks,
    Krishna

    June 8th, 2010 at 8:33 pm
62. sanjay sarkar said:

    Hi Krishna, I can able to login with my existing user id. Now the problem is that after enrollment my policies no. premium receipt can not printed ” it shows that YOU ARE NOT AUTHORIZED TO SEE THE POLICY DETAILS “, matter not understood. Moreover, my annual premium has been paid within 15th March/2010 whereas it was due on 28/03/2010 but when I want to see it says that NO PREMIUM PAY BY YOU DURING 1/4/09 TO 31/3/2010 thats why I am unhappy. Please advise me follow up action nor I am getting my survival benefit amount against my money back policy already due on 28/3/2009. Kindly do one thing for me whether the email id of BM LIC,Doomdooma Branch under Tinsukia District, Assam [ bo_44c@licindia.com ] is correct or not because I am not getting any response of my email. With due regards.

    June 11th, 2010 at 6:41 pm
63. P P Chaturvedi said:

    Dear Sir,

    I have forgetted my User ID & passward thats why i am not able to pay online payment.

    Pls suggest me how to cancell earlier registration and register new a/c

    Thanks,

    June 15th, 2010 at 11:45 pm
64. mohammed hussain said:

    plz my lic policy checked.

    June 19th, 2010 at 4:27 am
65. R.Narayanappa. said:

    Dear friend

    It is really good enough to have all the policy details in

    handy any where at any time.

    June 24th, 2010 at 2:59 am
66. srinivas kandukuri said:

    h sir , how do chose s.s.s polices ,does pollicy loan pay online?

    June 27th, 2010 at 9:50 am
67. swami said:

    Dear Sir/ Madam,

    I am facing problem with existing user id. Whenever, I try to log in with my existing user id, it says that ” Invalid user id or password ”
    So i’m using forgot password, it says same error
    How can i get new user id and password?

    July 6th, 2010 at 11:58 am
68. nilesh yadav said:

    hi,
    sir this on line facility is really good for the policy holders.Thanks a lot for giving such facilities.

    July 9th, 2010 at 11:50 pm
69. Mohammed Hasan said:

    I forgot my user id for the LIC India site though I remember all other details like password and all. Please help me how to get the user id as I have to pay my premium before 22nd July.

    Warm Regards,
    Mohammed Hasan

    July 11th, 2010 at 6:49 am
70. Ravi Prakash said:

    Hi All,

    I am really to happy after making payments through LIC online facility. Offcourse, not happy about parting away with my money!. The reason I have for my happiness is, the payment was so simple and could finish things in few clicks.
    Here are few things from my feel on this payment. Hope it helps someone. Before anything, a huge ‘Thank You’ to Krishna for his initial blog. I was searching aroung to pay online through Credit card and stumbled on Krishna’s blog. I was hoping to pick some points by paying online through credit card. I had a bad news, the facility is available only for debit cards and internet banking. I guess, only SBI credit card has the facility to pay online through credit card. Not sure of procedures for it.
    Below are some steps I took to complete the payments and responses/outcomes I got:
    1. Registered at https://www.licindia.in/
    2. Once logged in, gave all details of the policy numbers which I wanted to pay. Took care to enter proper policy number and Date of birth. If you are registering newly, look back to your policy to make sure of DOB you have in policy. This is vital.
    (After this I did not make payment for few days as I was still hoping to make my payment through Credit card and went to the branch, if they can accept there. I had more bad news. They don’t even take debit cards!. They said, they don’t have swipe machines.. it is either cash or cheque!)
    3. Back to pavilion.. then logged back to LIC portal. At the right portion there is a link ‘Pay Premium Online’ under Customer Services section. Choosing this will open a page listing all the ‘Policies for Pr. Payment’. with check box to select at the end of it. I wanted to test the waters and chose only one and ‘Submit’ted.
    4. This will bring up another page ‘Confirm Premium Payment’ listing all the selected policies. You can cancel from here or Choose Yes to continue.
    5. Choosing this will take to the Bill Desk’s Payment Gateway for making payment to LIC. This will show the Transaction ID, Premium amount (based on what needs to be paid as per your HLF/YRLY option..), with a option to select Payment Option. This lists the options in two categories.. Debit Cards and Online Bank Account. I could see only CitiBank and Union Bank debit cards as options here for debit cards. while Online Bank Account category had huge list of banks, probably I can look here, if I need to list all banks for any other reason . Yep, I had citibank account and chose Citibank Debit card and hit submit.
    6. This took me to Citibank’s Payment gateway. Do not worry where is the money coming and going into.. It’s handled properly I feel. Though this citibank Gateways shows their common Gateway page, with the option to select other bank cards or Citibank Credit card, everything else is disabled with Citibank Debit Card option alone selected and available.
    7. Entered my Card number (16 digits), expiry month, Internet password for debit card and Submitted.
    8. Voila! It was over in 2-3 seconds.. I was surprised with the quickness, that I was thinking, I made some mistake. Nope! Now I was taken back to the LIC’s page with the details ‘Your last successful transaction’ having Transaction No, Date, Amount, Reciept Number.
    9. Then looked my reciept under ‘View Pay Premium Online – Receipts’ in Customer Services section. The Renewal Premium receipt was ready with neat details digitally signed. I am sure, even if I were to pay at a branch as a privilage customer, I wouldn’t have had my receipt this quick. Technology is changing India!. That’s the key in our lives now. I do not have doubt about the validity of this receipt, as it is digitally signed. I guess, I should not have problems in submitting for my tax returns proofs.

    That’s it. THE END of payment my payment story. Now i need to print this receipt whenever, wherever I need and submit to, whovever, whatever they need it for!

    You have the option to subscibe to SMS. Not sure how it works. Should get alerts about premium due, premium paid..

    Hope this helps someone. If so, thank Krishna and me and all, so there is some use of writing this big blog! .

    Have a nice time.

    July 16th, 2010 at 9:42 pm
71. Sanoj Kumar said:

    I am not able to register myself.
    Getting an error
    We are unable to process your request.
    Please try again later or contact LIC for further details.

    July 28th, 2010 at 4:28 am
72. Sanoj Kumar said:

    So what need to be done on this?

    July 28th, 2010 at 4:39 am
73. swathi said:

    i have 4 LIC policies. reading the above comments, i still say that online transactions iwth LIC is really not upto the mark.
    I’ve applied for online registration. Now when i try to login again, it says user id wrong, or already registered.

    Now how do i retrive the details, or if i forget, can i re register. who can advise on all these queries, rather than asking each time, the error mesg, or that re enter.

    July 28th, 2010 at 11:47 am
74. Sanoj Kumar said:

    I agree woth swathi. I am not even able to register on the site.
    Is there any team which takes care of this online premium stuff.
    Please let us know.

    July 28th, 2010 at 10:57 pm
75. Amin said:

    Dear Sir,

    I am unable to register as new user in LIC of india website,whenever i give correct details it shows wrong data entered .
    Please help me in this regard.

    Regards,
    Amin

    August 28th, 2010 at 7:23 am
76. Vikram said:

    Hi,
    how do I get my forgotten User Id of LicIndia to pay my premium online????
    Its very urgent

    August 30th, 2010 at 10:04 pm
77. Paven said:

    i create the account and also enroll the policy but it status will error can you give the suggestion

    September 2nd, 2010 at 4:55 am

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