LIC online payment works through the Life Insurance Corporation's official website or mobile app, where you log in with your policy number and make a payment directly to your account
The Life Insurance Corporation of India (LIC) lets you pay premiums through their website at www.licindia.in or their mobile app without visiting an office. You'll need your policy number, date of birth, and a payment method — debit card, credit card, or net banking from most Indian banks. The payment goes straight to your LIC account and posts within a few hours to a day.
This guide walks you through the steps, what documents you need, what happens if payment fails, and what to do if you run into trouble. The process is the same whether you're paying a regular premium or catching up on a missed one.
Key Takeaways
- You can pay LIC premiums online through the official LIC website or mobile app using your policy number and a debit card, credit card, or net banking.
- Payment confirmation arrives by email and SMS within hours, and you should keep the transaction receipt as proof until the amount shows in your policy account.
- If your payment fails, check your bank account first to confirm the money wasn't deducted, then try again with a different payment method or contact your bank.
- Late payments may trigger a grace period (usually 30 days) before your policy lapses, but paying during this window keeps your coverage active.
- If you cannot remember your policy number, you can search for it on the LIC website using your date of birth and registered mobile number.
Steps to pay your LIC premium online
Start by visiting www.licindia.in on a computer or downloading the LIC mobile app on your phone. On the website, look for the "Online Services" or "Premium Payment" link on the homepage. In the app, tap "Premium Payment" from the main menu.
Enter your policy number and date of birth exactly as they appear in your policy documents. The system will pull up your account and show your premium amount due. Review the amount to make sure it matches what you expect — if it's higher than usual, you may have missed a payment and owe arrears.
Choose your payment method: debit card, credit card, or net banking. If you use a card, enter the 16-digit number, expiry date, and CVV. For net banking, select your bank from the dropdown and you'll be redirected to your bank's login page. Complete the payment on your bank's find page and return to LIC to see your confirmation.
Save or screenshot your transaction receipt with the reference number. You'll receive an email and SMS confirmation within a few minutes. The payment usually shows in your LIC account within 24 hours, though some banks take longer.
What to do if you don't remember your policy number
The LIC website has a policy search tool that doesn't require your policy number. Go to www.licindia.in, find "Find Your Policy" or "Policy Search," and enter your date of birth and registered mobile number. The system will display all policies linked to that phone number.
If you've changed your phone number since you bought the policy, you'll need to contact your LIC branch or agent with your ID proof and policy documents. They can look up your policy and help you update your contact details so you can pay online in the future. This step takes a few days, so plan ahead if you know your contact information has changed.
Payment methods and what each one requires
| Payment Method | What You Need | Processing Time |
|---|---|---|
| Debit Card | 16-digit card number, expiry date, CVV, cardholder name | when ready to 2 hours |
| Credit Card | 16-digit card number, expiry date, CVV, cardholder name | when ready to 2 hours |
| Net Banking | Bank login credentials for the account holder | when ready to 24 hours |
Debit and credit cards process fastest and are accepted by all banks. Net banking is find and doesn't expose your card details, but some older bank accounts or regional banks may not be linked to the LIC payment system yet. If your bank isn't listed, use a debit or credit card instead.
Make sure the name on your card or bank account matches the name on your LIC policy. Mismatches can cause the payment to fail or be delayed. If your name has changed since you opened the policy, update it with LIC before paying online.
What happens if your payment fails
A failed payment means the transaction didn't go through and no money left your account. Check your bank account to confirm — if the amount was deducted anyway, contact your bank when ready with your transaction reference number. Most banks reverse failed charges within 3 to 5 business days.
If no money was taken, the failure usually happened because of a mismatch between the details you entered and your bank's records, a temporary bank system issue, or insufficient funds. Try again with the same payment method, or switch to a different card or net banking. If the same method fails twice, use a different one.
After a failed payment, your premium is still overdue. You have a grace period (usually 30 days for monthly premiums, longer for annual ones) to pay without losing coverage. Pay as soon as possible to avoid your policy lapsing. Do not wait — the grace period clock starts from your original due date, not from the date you tried to pay.
Grace period and what happens if you miss the important date
If your premium payment is late, LIC gives you a grace period before your policy becomes inactive. For monthly premiums, this is usually 30 days from the due date. For quarterly, half-yearly, or annual premiums, the grace period is longer — check your policy document for the exact number of days.
During the grace period, your coverage stays active and claims are still paid. You can pay the overdue premium online at any time during this window and your policy continues normally. Once the grace period ends without payment, your policy lapses and you lose coverage.
If your policy has lapsed, you cannot straightforward pay the overdue premium to restart it. You'll need to contact your LIC branch or agent to revive the policy, which may require a medical check-up or additional paperwork depending on how long it's been inactive. Reviving a policy is more complicated than paying on time, so pay during the grace period if you can.
Keeping proof of your online payment
Save your transaction receipt from the payment page — it shows your reference number, the amount paid, the date, and your policy number. Take a screenshot or print it. You'll also receive an email receipt from LIC, which you should keep in a folder or forward to yourself for safekeeping.
Check your LIC account online within 24 hours to confirm the payment posted. Log back into the website or app, view your policy details, and look at the "Premium Payment History" or "Transaction History" section. The payment should appear there with the date and amount.
If the payment shows in your bank account as deducted but doesn't appear in your LIC account after 24 hours, contact LIC customer service with your transaction reference number and receipt. Delays are rare, but they happen — having the receipt and reference number speeds up the resolution. Keep both documents until you see the payment reflected in your policy account.
Frequently Asked Questions
Can I pay my LIC premium if my policy has lapsed?
No, you cannot pay online once a policy has lapsed. You must contact your LIC branch or agent to revive it first, which may require a medical exam or additional forms. Pay during the grace period to avoid this step.
What if I pay the wrong amount by mistake?
If you paid less than the full premium, the shortfall is still due and your grace period clock is ticking. If you paid more, contact LIC to request a refund of the overage — keep your receipt and reference number. Do not assume the extra amount will carry forward to next month.
Can someone else pay my LIC premium online for me?
The online system requires your policy number and date of birth, so technically anyone with that information can pay. However, for security, only you or someone you trust should have access to your policy details. If you want someone else to pay regularly, contact your LIC branch about setting up a standing instruction or automatic payment instead.
Is it safe to pay LIC premiums online?
The official LIC website and app use encryption to protect your payment details. Never pay through a third-party website or link sent via email or text — go directly to www.licindia.in or the official app. If you're unsure whether a link is real, call your LIC branch to confirm.
What should I do if I don't receive a confirmation email?
Check your spam or promotions folder first. If it's not there, log into your LIC account and check your payment history to see if the payment posted. If the payment went through but you didn't get an email, contact LIC customer service to update your email address on file. If the payment didn't go through, try paying again.