Skip to main content

Check LIC Policy Status

 

Check LIC Policy status without registration by Mobile Phone or SMS

 

Many of LIC policyholders might be struggling to get their status. Because they feel it is cumbersome to visit LIC Office, contact agent or creating login to check on LIC Portal. But do you know we can check LIC Policy status without registration through Mobile Phone or SMS?

LIC Policy Status without registration

You can check your LIC Policy status by going online, registering your policy account details and all those. Because there is a possibility (in many cases) of forgetting the password or username itself. However, below I will explain you how to check your policy status without registration using your mobile phone or SMS facility.

What you need to avail these facilities?

1) Mobile phone (For calling or sending SMS) or Land phone (For calling).

2) You must know your policy number.

1) Check LIC Policy Status without registration by calling to LIC's IVRS (Interactive Voice Response System)–

LIC offers you IVRS calling. This you can use for getting your policy status without any manual intervention. As I said earlier, policy registration is not at all required for this.

For making a local call from any MTNL or BSNL number simply dial 1251 and for other than local users IVRS can be accessed by dialling the city STD code of the IVRS center followed by 1251.

When you call to this number, the only information you need to know is your policy number. You can check your policy status, loan availability, bonus accumulated and few more other policy status details.

I checked dialling 1251 from my BSNL landline and it worked fine and within a second I got the status of the policy which I need. However, when I tried to dial from my non-BSNL mobile phone (using the Bangalore area code of 080 followed by 1251), I found it was not working. I don't know what may be the reason.

 

This I felt a negative point of this facility. Because it worked fine from a landline but not from a mobile phone. Along with that LIC also claiming, "To know Policy details through IVRS, simply dial 1251 available 24×7 in the following cities." This means the 1251 policy status inquiry facility is not available for 24X7 for other cities. If yes, then LIC not provided any details about the timing for other than below listed city customers. Anyhow, this facility is available for 24X7 for below-mentioned cities.

Asansol, Allahabad, Aurangabad, Bareilly, Coimbatore, Dharwad, Gorakhpur, Gwalior, Hazaribagh, Jodhpur, Jammu, Kozhikode, Kota, Kolhapur, Meerut, Mysore, Nashik, Patna, Pondicherry, Rajkot, Ranchi, Salem, Surat, Shillong, Shimla, Thanjavur, Vadodara and Varanasi.

Here it is not clear whether the rest of the cities are not able to get this service 24X7 or not. Also, the cities mentioned particularly are not big cities. Hence, doubt also is there, whether apart from a metro and other big cities, this facility will be available for the above-listed cities or not.

Anyhow, I checked from Bangalore BSNL Landline and it is working perfect. Let me know some user experience with this.

2) Check LIC Policy status without registration through SMS-

You check your policy status by sending SMS. Here also you no need to register your policy number. Just from a mobile number you have to send SMS with predefined short and long codes. Below are the codes for the same.

PREM (Premium)-To check the premium due for your policy.

REV (Revival) -If a policy already lapsed, then to check the revival amount payable.

BONUS-Amount of bonus accumulated as of today.

LOAN-Amount of loan you can avail from your policy

NOM (Nomination) -To know the details of a nomination.

For example, to know the premium due for any particular policy, then send the SMS in below format.

ASKLIC <POLICY NO> PREM

To 56767877 (with short code) or 9222492224 (with long code).

I checked using a lapsed policy and I immediately received the message as "Contact Branch". Tthis is a great initiative :)

If you have a pension policy with LIC, then you can check the details of that policy as below.

STAT-IPP Policy status

ECDUE-Existence certificate due

ANNPD-Last pension released date

PDTHRU-Pension payment through (CHQ/ECS/NEFT)

AMOUNT-Pension amount

CHQRET-Cheque return information

For example, to know the IPP policy status, then send the SMS as below.

ASKLIC <STAT> STAT to 56767877

I felt SMS facility more convenient than the IVRS facility and want to know from all you about the user experience of these two facilities of LIC to check the policy status without registration.

-----------------------------------------------

Invest Rs 1,50,000 and Save Tax upto Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds

Top 4 Tax Saver Mutual Funds for 2017 - 2018

Best 4 ELSS Mutual Funds to invest in India for 2017

1. DSP BlackRock Tax Saver Fund

2. Invesco India Tax Plan

3. Tata India Tax Savings Fund

4. BNP Paribas Long Term Equity Fund



Invest in Best Performing 2017 Tax Saver Mutual Funds Online

Invest Best Tax Saver Mutual Funds Online

Download Top Tax Saver Mutual Funds Application Forms


For further information contact SaveTaxGet on 94 8300 8300


Leave your comment with mail ID and we will answer them

OR

You can write to us at

Invest [at] SaveTaxGetRich [dot] Com

OR

Call us on 94 8300 8300


 

Popular posts from this blog

What are the factors affect the changes in Interest Rate of Fixed Deposits?

  What are the factors affect the changes in rate of Fixed Deposits? Fixed Deposits are now considered to be a very old fashioned method of saving, but still attract many investors since they have guaranteed returns at the end of the tenure of the investment at a decent interest rate. There are various factors that affect the rates of interest for a Fixed Deposit. Policies of the Reserve Bank of India   - The several norms and restrictions posed by the Reserve Bank of India , in order to gain optimum control over credit and inflow and outflow of fund throughout the country. The repo rate changes, cash reserve ration tends to change and these changes affect the banking products like Fixed Deposits, loans etc. Recession   - When unemployment in a country crosses the benchmark set Recession hits, and slowly the country faces an economic slow movement, affecting the purchasing power of the people in the country, forcing the Reserve Bank of India to release more funds in the financial marke...
Read more

Understanding Your Cibil Credit Information Report

   WE ARE all familiar with the anxiety and uncertainty that we feel when applying for a loan. After all, it's the lender who decides whether we can own our dream home, our first car, or whether our children can pursue higher education. In a nutshell, a better life depends on the lender's decisions.    While other factors do play a part in the lender's decision, the Cibil Credit Information Report ( CIR ) plays a crucial role in a lender's decision to approve a loan application.    Previously, lenders would treat all loan seekers equally. Each applicant, if approved by the lender's internal credit policy, would be charged at the same interest rate for a particular loan size and purpose. The lenders would charge a higher interest rate to all the borrowers, in order to compensate for the possible default of a small portion of the loan disbursed. In other words, it's like a professor (the lender) punishing an entire class (borrowers) for the mischief played b...
Read more

Capital Protection Oriented Funds

Download Tax Saving Mutual Fund Application Forms Invest In Tax Saving Mutual Funds Online Buy Gold Mutual Funds Leave a missed Call on 94 8300 8300   Capital Protection Oriented Funds   Erosion of capital is one of the key concerns for investors wanting to invest in equity mutual funds. To address this concern, asset management companies have launched Capital Protection Oriented Funds (CPOFs). What are CPOFs? CPOFs are generally three to five-year, closed-ended funds where 70-80% of the portfolio is invested in fixed income securities, which mature on or before the scheme's tenure. The investment in fixed income securities grows to 100% at the end of the tenure, providing the investor with capital protection. The remaining portion (20-30%) is used to take exposure to equity, which provides the upside. Exposure to equities is either by directly buying equity stocks (plain vanilla CPOFs) or by b...
Read more

Mutual Fund Review: ING Dividend Yield

  ING Dividend Yield's small assets enable the fund manager to churn in impressive returns… Strategy The aim of the fund is to invest in stocks which offer a high dividend yield. This fund deploys a value based strategy which aims to gain from investing in fundamentally strong and free cash flow generating businesses. The scheme focuses not only on growth but also on the cash generated by the business, which mostly leads to stable returns even in volatile markets. This fund has a low volatility because of its investment in high yielding stocks. The scheme tries to include stocks that yield dividend above the dividend yield of the Nifty and stocks with liquidity, which throws up a universe of 150 stocks.   Our View Launched in October 2005, this fund invests at least 65 per cent of its assets in high dividend yield stocks. The fund has consistently maintained a mix of stocks across varying market capitalisation, with a higher tilt to mid caps compared to small caps. Howev...
Read more

Good Loan

Why Is It A Good Loan?: Loans against gold are cheaper and better than personal loans as the former are available at lower interest rates. In contrast, the interest rates on personal loans are not standardised and can vary from bank to bank. Also, a personal loan depends on a host of factors including, the borrower's salary, profession and the purpose for which the loan is being taken.      For instance, the interest rate on a personal loan of 5 lakh falls in a wide range of 15-30%. But loans against gold are available for as low as 11%. Secured borrowing such as a loan against gold, investments or property is cheaper because it is backed by some assets, which command a good value at any point of time. If the borrower defaults on the loan, the banks can liquidate the assets to settle the loan account.    Being a secured loan, the risk of default and credit losses is significantly lower in this loan compared to other forms of loan for personal use. Given the lower risk, gold loa...
Read more
Related Posts Plugin for WordPress, Blogger...
Invest in Tax Saving Mutual Funds Download Any Applications
Transact Mutual Funds Online Invest Online
Buy Gold Mutual Funds Invest Now