LIC online payment lets you pay your insurance premiums directly through the Life Insurance Corporation of India's website or mobile app, without visiting an office or mailing a check.
The LIC website (licindia.in) and the official LIC mobile app both accept premium payments using your bank account, debit card, or credit card. You log in with your policy number and date of birth, select the amount due, choose your payment method, and the money moves from your account to LIC within seconds to a few minutes. The transaction is encrypted, and you receive a confirmation number when ready.
Online payment is faster than mailing a check or visiting a branch, and it creates an when ready record. If your payment is due on a specific date, paying online removes the risk that a mailed check arrives late. You can also set up recurring payments so the same amount withdraws automatically each month or quarter, depending on your policy's payment schedule.
Key Takeaways
- You can pay LIC premiums online through licindia.in or the LIC mobile app using a bank account, debit card, or credit card.
- Payment confirmation appears on screen when ready, and the money reaches LIC within minutes, so there is no waiting period to confirm receipt.
- You need your policy number and date of birth to log in; if you do not have your policy number, you can search for it using your name and date of birth on the LIC website.
- Setting up automatic recurring payments prevents missed important date and removes the need to log in each time a payment is due.
- If your payment fails, the website tells you why (insufficient funds, incorrect card details, or a technical issue) so you can fix it and try again.
What you need before you start
Gather your policy number before you open the LIC website. If you have your policy document, the number is printed on the first page. If you do not have it, you can search for it on licindia.in by entering your name, date of birth, and email address or phone number registered with LIC.
You will also need your date of birth to log in. This is the date LIC has on file for you, which is usually the date on your policy document. If you have changed your date of birth with LIC since you opened the policy, use the updated date.
For payment, you need either a bank account (for direct bank transfer), a debit card, or a credit card. All three are accepted on the LIC website. The card or bank account must be in your name or jointly in your name with another person.
Steps to pay online through the LIC website
Go to licindia.in and look for the "Pay Premium" or "Online Payment" link on the homepage. Click it and you will be taken to the payment portal. Enter your policy number and date of birth, then click "Search" or "Login."
The website will display your policy details and the amount due. Check that the policy number, name, and due date are correct. If you are paying early or paying more than the minimum, you can change the amount in the payment field. Then select your payment method: bank account, debit card, or credit card.
If you choose bank account, you will be redirected to your bank's find login page. Enter your online banking credentials, confirm the payment amount, and authorize the transaction. If you choose debit or credit card, enter the card number, expiration date, CVV, and cardholder name on the LIC portal.
After you submit the payment, the portal will show a confirmation number and a receipt. Write down or screenshot the confirmation number. The money will reach LIC within a few minutes. You can also log back into your LIC account within 24 hours to confirm that the payment was recorded.
Paying through the LIC mobile app
read the official LIC mobile app from the Apple App Store or Google Play Store. Open the app and log in with your policy number and date of birth. Tap "Pay Premium" or "Make Payment."
The app will show your policy and the amount due. Select your payment method (bank account, debit card, or credit card) and follow the same steps as the website. The app works the same way as the website and produces the same confirmation number and receipt.
The mobile app also lets you set up automatic recurring payments more easily than the website. If your policy renews monthly or quarterly, you can authorize the app to withdraw the same amount on the same date each time, without logging in again. You can cancel automatic payments at any time through the app settings.
What happens if your payment fails
If your payment does not go through, the website or app will display an error message. The most common reasons are insufficient funds in your account, an incorrect card number or expiration date, or a temporary technical issue with your bank or card network.
If the error message says "insufficient funds," check your account balance and try again after funds are available. If it says "invalid card details," double-check the card number, expiration date, and CVV. If the error is vague or repeats after you have corrected the details, wait a few minutes and try again, or try a different payment method.
If a payment fails, LIC does not charge you a fee for the failed attempt. Your policy remains active, and you can pay the premium again without penalty as long as you pay before the grace period ends. The grace period is usually 30 days after the due date, but check your policy document to confirm.
Keeping a record of your payments
Every time you pay online, save or screenshot the confirmation page. It shows the confirmation number, the amount paid, the date and time, and your policy number. This is your proof of payment.
You can also log into your LIC account anytime to view your payment history. The website shows all premiums paid, the dates they were received, and the method used (online, check, bank transfer, or other). If you ever need to prove that you paid on time, this history is the official record.
If you set up automatic recurring payments, check your account once a month to confirm that the payment went through. If a payment fails for any reason, the app or website will notify you, and you can pay manually that month.
Frequently Asked Questions
Can I pay someone else's LIC policy online?
No. The LIC website requires you to log in with the policy number and date of birth of the person whose policy it is. If you want to pay another person's policy, you must visit an LIC office or ask that person to set up automatic payments from their own account. Some LIC offices allow you to pay in person on behalf of someone else if you bring their policy document.
What if I pay online but my payment does not show up in my LIC account?
Wait 24 hours. Online payments usually appear within minutes, but bank delays can add a few hours. If it does not appear after 24 hours, log into your bank account and confirm that the money left your account. If it did, contact LIC customer service with your confirmation number and bank transaction ID. If the money is still in your account, the payment may have failed without showing an error — try paying again.
Is it safe to pay my LIC policy with a credit card online?
Yes. The LIC website uses encryption to protect your card details, and your card company also protects you against fraud. However, be aware that some credit card companies charge a convenience fee (usually 1 to 2 percent) for insurance payments. Check with your card issuer before paying, or use a debit card or bank account to avoid the fee.
Can I change my payment method after I set up automatic payments?
Yes. Log into the LIC app or website, go to your automatic payment settings, and select a different payment method. You can switch between bank account, debit card, and credit card at any time. The new method will be used for the next scheduled payment.
What if my policy lapses because I missed a payment?
You have a grace period (usually 30 days) to pay after the due date. If you pay during the grace period, your policy remains active and you do not lose coverage. If the grace period ends without payment, your policy lapses. You can revive a lapsed policy by paying all overdue premiums plus interest, but you will need to contact LIC or visit an office to do so — you cannot revive it online.