How is loan eligibility calculated for insurance policies?

Eligibility is calculated as a percentage (usually up to 85%) of the Cash Surrender Value (CSV) of your traditional life insurance policy, provided it has completed 2-3 years.

Loan Against Insurance Policy

Calculate your maximum loan eligibility against LIC and traditional insurance policies.

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Documentation

Quick Summary: Loan Against Insurance Policy

You can borrow against traditional life insurance policies like LIC up to 85% of their Cash Surrender Value (CSV). These loans are cheaper than personal loans (9-10% interest) and don't require CIBIL checks, while keeping your life cover intact.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

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