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SBI Life Shubh Nivesh Plan Bonus Rates. Calculate returns & Maturity Value
SBI Life Shubh Nivesh Plan Bonus Rates. Calculate returns & Maturity Value
21085 VIEWS

Bonus rates for SBI Life Shubh Nivesh Plan

The table below shows the Bonus rates declared for SBI Life Shubh Nivesh Policy from inception. You can use this to calculate the SBI Life Shubh Nivesh Plan Maturity Value. The vested bonus rates are percentage of  Sum Assured.

In case you have a plan with Sum Assured of Rs. 5,00,000 - Use the values in the table as following:

Bonus Value = (Sum Assured x Bonus Rate) = (5,00,000 x Bonus Rate)

Note: This plan has seen multiple revisions. These revisions are captured uniquely by their UIN (Unique Identification Number). It will be mentioned in your policy document. So, please check the bonus rates for the UIN mentioned in your policy document.

SBI Life Shubh Nivesh Plan Reversionary Bonus Rates

UIN - (111N055V01) - Endowment Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
Single Premium 5-9 3.50%
10-14 3.50%
15-19 3.50%
20-24 3.50%
25 & above 3.50%
2018 Regular Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
Single Premium 5-9 3.50%
10-14 3.50%
15-19 3.50%
20-24 3.50%
25 & above 3.50%
2017 Regular Premium 5-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.25%
25 & above 3.25%
  Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2016 Regular Premium 5-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.10%
25 & above 3.10%
Single Premium 5-9 3.25%
10-14 3.25%
15-24 3.25%
20-24 3.25%
25 & above 3.25%
2015 Regular Premium 5-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.10%
25 & above 3.10%
Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2014 Regular Premium 5-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.10%
25 & above 3.10%
Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2013 Regular Premium 5-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.10%
25 & above 3.10%
Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2012 Regular Premium 5-9 2.85%
10-14 2.85%
15-19 2.85%
20-24 3.00%
25 & above 3.00%
Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2011 Regular Premium 5-9 2.85%
10-14 2.85%
15-19 2.85%
20-24 2.85%
25 & above 2.85%
Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%

UIN - (111N055V01) - Whole Life Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 5-9 3.50%
10-14 3.50%
15-19 3.50%
20-24 3.50%
25 & above 3.50%
Single Premium 5-9 3.50%
10-14 3.50%
15-19 3.50%
20-24 3.50%
25 & above 3.50%
2018 Regular Premium 5-9 3.50%
10-14 3.50%
15-19 3.50%
20-24 3.50%
25 & above 3.50%
Single Premium 5-9 3.50%
10-14 3.50%
15-19 3.50%
20-24 3.50%
25 & above 3.50%
2017 Regular Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
  Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2016 Regular Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
Single Premium 5-9 3.25%
10-14 3.25%
15-24 3.25%
20-24 3.25%
25 & above 3.25%

UIN - (111N055V02) - Endowment Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 7-9 3.15%
10-14 3.15%
15-19 3.15%
20-24 3.15%
25 & above 3.15%
Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2018 Regular Premium 7-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.00%
25 & above 3.00%
Single Premium 5-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.00%
25 & above 3.00%
2017 Regular Premium 7-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.00%
25 & above 3.00%
  Single Premium 5-9 2.90%
10-14 2.90%
15-19 2.90%
20-24 2.90%
25 & above 2.90%
2016 Regular Premium 7-9 2.85%
10-14 2.85%
15-19 2.85%
20-24 2.85%
25 & above 2.85%
Single Premium 5-9 2.75%
10-14 2.75%
15-24 2.75%
20-24 2.75%
25 & above 2.75%
2015 Regular Premium 7-9 2.75%
10-14 2.75%
15-19 2.75%
20-24 2.75%
25 & above 2.75%
Single Premium 5-9 2.75%
10-14 2.75%
15-19 2.75%
20-24 2.75%
25 & above 2.75%
2014 Regular Premium 7-9 2.75%
10-14 2.75%
15-19 2.75%
20-24 2.75%
25 & above 2.75%
Single Premium 5-9 2.75%
10-14 2.75%
15-19 2.75%
20-24 2.75%
25 & above 2.75%


UIN - (111N055V02) - Whole Life Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 15-19 3.15%
20-24 3.15%
25 & above 3.15%
Single Premium 15-19 3.25%
20-24 3.25%
25 & above 3.25%
2018 Regular Premium 15-19 3.00%
20-24 3.00%
25 & above 3.00%
Single Premium 15-19 3.00%
20-24 3.00%
25 & above 3.00%
2017 Regular Premium 15-19 3.00%
20-24 3.00%
25 & above 3.00%
  Single Premium 15-19 2.90%
20-24 2.90%
25 & above 2.90%
2016 Regular Premium 15-19 2.85%
20-24 2.85%
25 & above 2.85%
Single Premium 15-19 2.85%
20-24 2.85%
25 & above 2.85%

UIN - (111N055V03) - Endowment Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 7-9 3.15%
10-14 3.15%
15-19 3.15%
20-24 3.15%
25 & above 3.15%
Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2018 Regular Premium 7-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.00%
25 & above 3.00%
Single Premium 5-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.00%
25 & above 3.00%
2017 Regular Premium 7-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.00%
25 & above 3.00%
  Single Premium 5-9 2.90%
10-14 2.90%
15-19 2.90%
20-24 2.90%
25 & above 2.90%

UIN - (111N055V03) - Whole Life Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 15-19 3.15%
20-24 3.15%
25 & above 3.15%
Single Premium 15-19 3.25%
20-24 3.25%
25 & above 3.25%
2018 Regular Premium 15-19 3.00%
20-24 3.00%
25 & above 3.00%
Single Premium 15-19 3.00%
20-24 3.00%
25 & above 3.00%
2017 Regular Premium 15-19 3.00%
20-24 3.00%
25 & above 3.00%
  Single Premium 15-19 2.90%
20-24 2.90%
25 & above 2.90%

Terminal Bonus
Terminal bonus is one time bonus which is payable at maturity. Terminal Bonus is a percentage of the total amount of bonuses allocated including Simple Reversionary, Interim and Special bonuses, if any.

UIN - (111N055V01) - Endowment Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
Single Premium 5-9 3.50%
10-14 3.50%
15-19 3.50%
20-24 3.50%
25 & above 3.50%
2018 Regular Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
Single Premium 5-9 3.50%
10-14 3.50%
15-19 3.50%
20-24 3.50%
25 & above 3.50%
2017 Regular Premium 5-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.25%
25 & above 3.25%
  Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2016 Regular Premium 5-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.10%
25 & above 3.10%
Single Premium 5-9 3.25%
10-14 3.25%
15-24 3.25%
20-24 3.25%
25 & above 3.25%
2015 Regular Premium 5-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.10%
25 & above 3.10%
Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2014 Regular Premium 5-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.10%
25 & above 3.10%
Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2013 Regular Premium 5-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.10%
25 & above 3.10%
Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2012 Regular Premium 5-9 2.85%
10-14 2.85%
15-19 2.85%
20-24 3.00%
25 & above 3.00%
Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2011 Regular Premium 5-9 2.85%
10-14 2.85%
15-19 2.85%
20-24 2.85%
25 & above 2.85%
Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%

UIN - (111N055V01) - Whole Life Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 5-9 3.50%
10-14 3.50%
15-19 3.50%
20-24 3.50%
25 & above 3.50%
Single Premium 5-9 3.50%
10-14 3.50%
15-19 3.50%
20-24 3.50%
25 & above 3.50%
2018 Regular Premium 5-9 3.50%
10-14 3.50%
15-19 3.50%
20-24 3.50%
25 & above 3.50%
Single Premium 5-9 3.50%
10-14 3.50%
15-19 3.50%
20-24 3.50%
25 & above 3.50%
2017 Regular Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
  Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2016 Regular Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
Single Premium 5-9 3.25%
10-14 3.25%
15-24 3.25%
20-24 3.25%
25 & above 3.25%

UIN - (111N055V02) - Endowment Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 7-9 3.15%
10-14 3.15%
15-19 3.15%
20-24 3.15%
25 & above 3.15%
Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2018 Regular Premium 7-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.00%
25 & above 3.00%
Single Premium 5-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.00%
25 & above 3.00%
2017 Regular Premium 7-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.00%
25 & above 3.00%
  Single Premium 5-9 2.90%
10-14 2.90%
15-19 2.90%
20-24 2.90%
25 & above 2.90%
2016 Regular Premium 7-9 2.85%
10-14 2.85%
15-19 2.85%
20-24 2.85%
25 & above 2.85%
Single Premium 5-9 2.75%
10-14 2.75%
15-24 2.75%
20-24 2.75%
25 & above 2.75%
2015 Regular Premium 7-9 2.75%
10-14 2.75%
15-19 2.75%
20-24 2.75%
25 & above 2.75%
Single Premium 5-9 2.75%
10-14 2.75%
15-19 2.75%
20-24 2.75%
25 & above 2.75%
2014 Regular Premium 7-9 2.75%
10-14 2.75%
15-19 2.75%
20-24 2.75%
25 & above 2.75%
Single Premium 5-9 2.75%
10-14 2.75%
15-19 2.75%
20-24 2.75%
25 & above 2.75%

UIN - (111N055V02) - Whole Life Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 15-19 3.15%
20-24 3.15%
25 & above 3.15%
Single Premium 15-19 3.25%
20-24 3.25%
25 & above 3.25%
2018 Regular Premium 15-19 3.00%
20-24 3.00%
25 & above 3.00%
Single Premium 15-19 3.00%
20-24 3.00%
25 & above 3.00%
2017 Regular Premium 15-19 3.00%
20-24 3.00%
25 & above 3.00%
  Single Premium 15-19 2.90%
20-24 2.90%
25 & above 2.90%
2016 Regular Premium 15-19 2.85%
20-24 2.85%
25 & above 2.85%
Single Premium 15-19 2.85%
20-24 2.85%
25 & above 2.85%

UIN - (111N055V03) - Endowment Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 7-9 3.15%
10-14 3.15%
15-19 3.15%
20-24 3.15%
25 & above 3.15%
Single Premium 5-9 3.25%
10-14 3.25%
15-19 3.25%
20-24 3.25%
25 & above 3.25%
2018 Regular Premium 7-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.00%
25 & above 3.00%
Single Premium 5-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.00%
25 & above 3.00%
2017 Regular Premium 7-9 3.00%
10-14 3.00%
15-19 3.00%
20-24 3.00%
25 & above 3.00%
  Single Premium 5-9 2.90%
10-14 2.90%
15-19 2.90%
20-24 2.90%
25 & above 2.90%

UIN - (111N055V03) - Whole Life Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 15-19 3.15%
20-24 3.15%
25 & above 3.15%
Single Premium 15-19 3.25%
20-24 3.25%
25 & above 3.25%
2018 Regular Premium 15-19 3.00%
20-24 3.00%
25 & above 3.00%
Single Premium 15-19 3.00%
20-24 3.00%
25 & above 3.00%
2017 Regular Premium 15-19 3.00%
20-24 3.00%
25 & above 3.00%
  Single Premium 15-19 2.90%
20-24 2.90%
25 & above 2.90%

Interim Bonus
If policy matures or death occurs before the end of the financial year or between the two successive bonus declaration dates, then the interim bonus is payable.

UIN - (111N055V01) - Endowment Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 5-9 40.00%
10-14 30.00%
15-19 -
20-24 -
25 & above -
Single Premium 5-9 40.00%
10-14 30.00%
15-19 -
20-24 -
25 & above -
2018 Regular Premium 5-9 45.00%
10-14 -
15-19 -
20-24 -
25 & above -
Single Premium 5-9 45.00%
10-14 -
15-19 -
20-24 -
25 & above -
2017 Regular Premium 5-9 45.00%
10-14 -
15-19 -
20-24 -
25 & above -
  Single Premium 5-9 25.00%
10-14 -
15-19 -
20-24 -
25 & above -
2016 Regular Premium 5-9 45.00%
10-14 -
15-19 -
20-24 -
25 & above -
Single Premium 5-9 25.00%
10-14 -
15-19 -
20-24 -
25 & above -
2015 Regular Premium 5-9 12.00%
10-14 -
15-19 -
20-24 -
25 & above -
Single Premium 5-9 12.00%
10-14 -
15-19 -
20-24 -
25 & above -
2014 Regular Premium 5-9 10.00%
10-14 -
15-19 -
20-24 -
25 & above -
Single Premium 5-9 10.00%
10-14 -
15-19 -
20-24 -
25 & above -

UIN - (111N055V01) - Whole Life Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 5-9 40.00%
10-14 30.00%
15-19 -
20-24 -
25 & above -
Single Premium 5-9 40.00%
10-14 30.00%
15-19 -
20-24 -
25 & above -
2018 Regular Premium 5-9 45.00%
10-14 -
15-19 -
20-24 -
25 & above -
Single Premium 5-9 45.00%
10-14 -
15-19 -
20-24 -
25 & above -
2017 Regular Premium 5-9 45.00%
10-14 -
15-19 -
20-24 -
25 & above -
  Single Premium 5-9 35.00%
10-14 -
15-19 -
20-24 -
25 & above -
2016 Regular Premium 5-9 40.00%
10-14 -
15-19 -
20-24 -
25 & above -
Single Premium 5-9 35.00%
10-14 -
15-19 -
20-24 -
25 & above -


UIN - (111N055V02) - Endowment Option
 
Year Premium Type Policy Term (in years) Bonus Rate
2019 Regular Premium 5-9 -
10-14 -
15-19 -
20-24 -
25 & above -
Single Premium 5-9 30.00%
10-14 -
15-19 -
20-24 -
25 & above -
2018 Regular Premium 5-9 -
10-14 -
15-19 -
20-24 -
25 & above -
Single Premium 5-9 30.00%
10-14 -
15-19 -
20-24 -
25 & above -
2017 Regular Premium 5-9 45.00%
10-14 -
15-19 -
20-24 -
25 & above -
  Single Premium 5-9 35.00%
10-14 -
15-19 -
20-24 -
25 & above -
2016 Regular Premium 5-9 40.00%
10-14 -
15-19 -
20-24 -
25 & above -
Single Premium 5-9 35.00%
10-14 -
15-19 -
20-24 -
25 & above -


Note: Reversionary and Interim Bonus Rates are a percentage of Sum Assured.

Maturity Value
So to get to the SBI Life Shubh Nivesh, you have to add all of the following - Sum Assured + Accrued bonus + Any special bonus + Terminal Bonus.

Do let us know in case you need any further information on the bonus rates for this plan or in calculating the returns for your SBI Life Shubh Nivesh. 

Please contact the SBI Life office for exact details of the bonus which has accrued in your plan.

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