Why this exists
Nobody knows what is due next.
A family with thirty-odd LIC policies has no single place to look. So the questions arrive by phone, every time.
Premiums slip past
A due date is missed, and the first anyone hears of it is a late fee on the receipt.
Paper, everywhere
Bonds in one cupboard, receipts in another, and the maturity value only in someone's memory.
One person carries it
The head of the family becomes the database. Everyone else asks them.
The ledger
Every premium, written down.
Enter a policy once and the portal writes out the whole schedule — every instalment from commencement to the last premium due, each one tracked, with a running total that always adds up.
Jeevan Anand · #8419••••
Anil Mehta · commenced 15/03/2016 · yearly · 21-year paying term
Portfolio at a glance
The whole family, on one screen.
Open the portal and the position is already worked out — what you hold, what it cost, what it will pay, and what leaves your account this year.
Annual outflow by person
Current-year premium breakdown
Portfolio value by person
Total maturity amount per life assured
Upcoming payments
Monthly premium dues — next 12 months
Family accounts
One head of family, many members.
Link accounts and a family head sees everyone's policies combined — dashboard, reports, policy list — and can add or update a policy on a member's behalf. Members keep their own login and their own private view, unchanged.
Anil can be managed by Rakesh and manage his own wife and son at the same time — the links run in both directions.
Act on their behalf
Add a policy, edit one, mark a premium paid — for any member you manage.
Drill into one person
Filter any dashboard or report down to a single member, then step back to the combined view.
Enforced on the server
Family links are checked on every request. A crafted URL cannot reach a policy outside your family.
Six reports
Answers, not spreadsheets.
Every report filters by family member, and every number is computed from your actual payment records.
Person-wise
Invested against maturity
What each person put in, and what comes back.
Cashflow timeline
What arrives, and when
Cumulative maturity receipts through 2044.
Maturity projection
Receivables by year
Sum assured plus accrued bonus, grouped by maturity year.
| Year | Sum assured | Bonus | Total |
|---|---|---|---|
| 2040 | ₹12.00L | ₹19.50L | ₹31.50L |
| 2044 | ₹14.50L | ₹22.30L | ₹36.80L |
| 2038 | ₹9.00L | ₹13.60L | ₹22.60L |
Portfolio analysis
Return by policy, best first
Overall portfolio return 172.7%
Profit over invested, per policy — so you can see which plans actually earned.
Policy-wise
Every policy, in detail
The full table — plan, life assured, ROI, premium-paying progress and status — for the whole portfolio at once.
Loan calculator
What you could borrow
Eligibility at your configured rate across in-force policies, filterable by person. Matured and surrendered policies are excluded.
Every report
Filter by family member
Admins and family heads can narrow any of the six down to a single person, then step back to the combined view.
Policy list
Built for thirty policies, not three.
Search, filter, sort and select — the list is a working tool, not a static table.
Worked out for you
The arithmetic nobody wants to do.
Every figure is derived from your policy terms and your actual payment records — not typed in and left to go stale.
maturity − sum assured
Bonus
What the policy pays above the guaranteed amount.
(maturity − premiums) ÷ premiums
Return on investment
Per policy and across the whole portfolio.
total paid × 75%
Loan eligibility
At LIC's standard rate, or whatever you set between 50 and 90%.
paid − due − GST
Late fee
Derived from what you actually paid, never guessed.
annual × paying term
Total investment
The full cost of the policy over its paying life.
paid ÷ paying term
Progress
How far through the premium term each policy is, plus years left to maturity.
Settings
Tuned to your policies.
Two numbers change how the whole portal calculates. Set them once and every report follows.
Loan eligibility rate
What share of premiums paid you can borrow against.
Applies to in-force policies only — matured and surrendered ones are excluded automatically.
GST cut-off date
Set the date GST stopped applying to your premiums.
The late fee still works itself out either way — paid minus due minus GST.