Bajaj Life Insurance Limited

Bonus Rates for Participating policies declared as on 31 March 2026

The regular reversionary, interim, cash, and terminal bonus rates declared as on 31 March 2026 are provided in the tables below. Reversionary bonus rates are applicable for all the in-force policies for full sum assured.  Cash and terminal bonus rates are applicable for all in-force policies for full sum assured as well as paid-up policies (as per product conditions) for reduced sum assured.

^{^}refer to Terminal Bonus Rate section

Cash Rich

This plan has a special feature of accruing reversionary bonus during the premium payment term and paying cash bonus after the premium paying term. The cash bonus is also payable to Paid up policies (on Paid up Sum Assured).

The Bonus rates declared as on 31 Mar 2026 is as below:

Elite Assure

In this product, Reversionary Bonus rates are dependent on Policy Term. The bonus rates as on 31 March 2026 are as follows:

Lifelong Assure

In this product, Cash Bonuses are payable to policies starting from the end of 6^th Policy year. The In-force policies or Paid-up policies which have paid at least 5 full years’ premiums are eligible for this bonus. The Cash Bonus rates as on 31 Mar 2026 are as follows:

Flexi Income Goal (Income Variant)

In this product, Cash Bonuses are payable to all In-force policies starting from the first policy year. The Cash Bonus rates declared as on 31 March 2026 for FY2026-27 are as follows:

ACE – Income Variant(s)

In this product, Cash Bonuses are payable to all eligible In-force policies under the Early Income Variant. 

The Cash Bonus declared as at 31 March 2026 for FY2026-27 are as follows:

^{^}refer to Terminal Bonus Rate section

Terminal Bonus Rate:

Terminal bonuses rates on death and maturity are applicable for the policies of all the par products, which have been in-force for full Sum Assured at least for 5 full years, and which will exit either due to death or due to maturity, before the declaration of bonus rates for the financial year 2026-27.

The declared terminal bonus rates are as shown in Tables above.

This rate is applicable on the full sum assured for the policies which are in-force as on date of exit and on the reduced sum assured for the policies which are paid-up as on date of exit. The above rates will be applied for each completed policy year at the time of exit.

For ACE and ACE Advantage product, terminal bonus on surrenders, if applicable, will be paid out in FY2026-27 as per the benefit illustration.

Interim Bonus rate:

Interim reversionary bonus rates are to be paid in respect of death claims or maturity claims taking place after receiving premiums or after policy anniversary for fully paid-up policies, and before declaration of bonus rates for FY2026-27. The rates are to be same as the declared bonus rates as on 31 March 2026.

Flexi Income Goal, ACE: Accumulation Fund Interest Rate

The products – Flexi Income Goal and ACE, have an option where policyholders can choose to keep the cash bonuses in the Accumulation fund. These cash bonuses will accumulate with the declared interest rates. The interest rate declared for FY25-26 is 6.49%.