💡 Pay your Life Insurance Corporation (LIC) premium online securely, instantly, and without queues — directly from your bank or LIC’s portal!
Paying your LIC premium via Net Banking is one of the most trusted, safe, and convenient methods. It offers:
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✅ 24/7 payment access
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⚡ Instant confirmation
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💸 No late fees or hidden charges
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🔒 Full encryption and verified gateways
This detailed guide covers both official payment methods — LIC Pay Direct and Bank Bill Pay (Biller Registration) — optimized for clarity, user experience, and AI search results.
| 💳 Option | 🏆 Benefit | 🧾 Requirements | 👤 Best For |
|---|---|---|---|
| LIC Pay Direct (Without Login) | Fastest one-time payment, no account needed | Policy No., DOB, Mobile/Email | Users without registration |
| LIC Customer Portal (With Login) | Manage all policies, get e-receipts | User ID/Password or OTP login | Regular LIC customers |
| Direct Bank’s Bill Pay | Pay inside your own bank portal | Add LIC as “Biller” (one-time setup) | Users who prefer unified bill management |
🌐 Method A: LIC Pay Direct (Without Login)
This is the quickest route to pay your LIC renewal premium using Net Banking — no login or registration required.
🔧 Step-by-Step Instructions
| 🪜 Step | 🏁 Action | 📘 Details |
|---|---|---|
| 1️⃣ Navigate | Visit the official LIC India website. | Click “Pay Premium Online” on the homepage. |
| 2️⃣ Select Option | Choose “Pay Direct (Without Registration)” → “Renewal Premium/Revival.” | No need to sign in. |
| 3️⃣ Validate | Enter your Policy Number, DOB, Email, and Mobile → complete the captcha. | Click “Submit.” |
| 4️⃣ Verify Details | Confirm policyholder name, due amount, and due date. | Select the policies to pay. |
| 5️⃣ Choose Net Banking | Click “Check & Pay” → Select Net Banking (BillDesk/PayU). | Usually ₹0 transaction fee. |
| 6️⃣ Complete Payment | Pick your Bank, click “Pay,” then log into your bank’s secure Net Banking page. | Approve using OTP or Transaction Password. |
| 7️⃣ Download Receipt | After success, download the e-Receipt immediately. | A copy is also emailed to you. |
📄 Pro Tip: Always check the website URL (https://licindia.in) before entering credentials to avoid phishing.
🏦 Method B: Pay via Your Bank’s Net Banking Portal (Biller Registration)
Many major banks — 🏛️ SBI, 💼 HDFC, 🏢 ICICI, 🏦 Axis — support LIC as a biller, letting you automate or schedule payments easily.
⚙️ One-Time Setup: Add LIC as a Biller
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🔐 Login to your bank’s Net Banking portal.
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🧭 Go to “Bill Pay” → “Add New Biller.”
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🏷️ Choose category “Insurance” → search “Life Insurance Corporation of India (LIC)”.
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🧾 Enter Policy Number + Mobile Number.
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✅ Verify policyholder details and Save the Biller.
💰 Premium Payment (After Setup)
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🔐 Log into your bank portal.
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💳 Go to Bill Pay → select LIC Biller.
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🏦 Choose your account to debit.
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💸 Confirm displayed amount → Authorize Payment.
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📜 Receive instant confirmation and transaction ID.
🔁 Bonus: You can enable AutoPay to never miss renewal dates again!
🛡️ Safety & Security Comparison
| 🔍 Feature | 🧠 LIC Portal / Bank Net Banking | ⚠️ Risk Level |
|---|---|---|
| Encryption | HTTPS + SSL-certified gateways | 🟢 Low |
| Payment Proof | LIC e-Receipt + Bank confirmation | 🟢 Low |
| Convenience Fee | ₹0 for Net Banking & Debit Cards | 🟢 Zero |
| Fraud Risk | None if on official site | 🟢 Very Low |
💡 Always verify you’re on official domains (licindia.in or your bank’s .in domain).
Learn how to Pay LIC (Life Insurance Corporation) Premium Online using Net Banking, Debit / Credit Card. With these simple steps, you can pay the premium at any time from anywhere.
Don’t wait again in the LIC office ‘Queue’ for the monthly / Quarterly / Yearly premium payment.
LIC Online Payment
LIC offers a number of channels via which customers can make premium payments for their LIC policies – Pay LIC premium online by using your credit/
Easy payment by login or without login to LIC. Check how to pay LIC premium online through the LIC Portal.
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To Pay the LIC Premium Online, You need the Following :
- Your Policy Number.
- Premium Amount.
- Date of Birth of the Policy Holder.
- A Mobile Number.
- Email Address.
- Net Banking / Debit / Credit Card.
You can Pay the monthly / Quarterly / Yearly LIC Premium Amount with registration or Without Registration.
We recommend you to register the LIC portal (One-time registration) so that you don’t have to remember the Policy number and other policyholder details when you pay the premium online next time.
Let’s check how to register on the LIC portal and Pay the Premium.
- Register the LIC Portal
Step 1 : Visit www.licindia.in (Click here or the image below to Visit the LIC Website)
Step 2: Click ‘Pay Premium Online‘. Now you can see 2 Options.
a) Pay Direct – Without Login.
b) Through Customer Portal.
Click ‘Pay Direct’ to pay the premium without registration.
Click ‘Through Customer Portal to complete the one-time registration and Pay the premium by Login as ‘Registered User’.
If you already have a LIC Login account, you can log in by entering the following details:
If you don’t have an Account, you can create a new account by clicking ‘Sign Up‘ link.
Read Also: How to Book Bharat Gas LPG Cylinder Online.
Step 3: Now fill out the registration form.
- Enter your Policy Number,
- Premium Amount without Tax,
- Date of Birth of the Policy Holder,
- Mobile Number,
- Email address etc.
- Gender etc
- You can also enter optional fields like PAN Card, Adhar Card or Passport Number
Then select the check box to accept the agreement.
then Click on the ‘Proceed‘ button.
Step 4: Now you can see your Policy details. You can create a Password for the portal login.
The password must have a maximum of 9 characters and at least one numeric character. (Eg: asdfrewq1).
After the successful registration, you will get the login details as an Email.
2. Login as a Registered User to Pay the Premium Online.
Step 1: Click ‘Registered User‘ and log in with your LIC Portal User Name and Password.
- Select the ‘Role‘ as customer
- Enter a User ID (You can enter your Mobile Number/Email as a user ID)
- Enter your LIC Login Password
- Select your Date of Birth from the Calendar.
- Click on ‘Sign In‘
In the dashboard, you can see your policy details.
Step 2: Click ‘Pay Premium Online‘ in the left side menu.
Step 3: Select Policy Type and Premium options. Then click ‘Submit‘.
Now you can see your Policy Number, Premium Amount etc. Select the check box under the column ‘Pay PM’. Click ‘Submit’.
Step 4: Now you can ‘Confirm Premium Payment’ and select (Billdesk Gateway) the Payment Gateway. Then Click ‘Yes’.
Step 5 : Select the Payment Mode and Click ‘Submit’. You can select from ‘Internet Banking, ‘American Express’, RuPay Cards, ‘Wallet / Cash Card’.
Select ‘Internet Banking’ if you have a Net Banking Account and then click ‘Submit’.
Step 6: Complete the payment using the selected ‘Payment Gateway‘.
After the successful transaction, you can download the ‘Payment Acknowledgement’.
Now you will get the payment confirmation Email and SMS.
If you have any questions regarding the LIC Premium Online Payment, feel free to post them as a comment below. Also, share this tutorial with your Friends.
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💬 Frequently Asked Questions
❓ Is it safe to pay LIC premium via Net Banking?
✅ Yes. Payments go through secure, encrypted bank gateways or LIC’s SSL-protected portal.
Tip: Avoid third-party links — use only licindia.in or your bank’s verified domain.
❓ How fast do I get the LIC premium receipt?
📨 Instantly! Once payment is successful, LIC generates an e-Receipt immediately. It’s also emailed to your registered address.
❓ Can I pay a lapsed LIC policy online?
🔄 Yes, for most cases. Choose “Renewal Premium/Revival”.
If the policy is heavily lapsed (beyond grace period), physical verification or medical form submission at a branch may be needed first.
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Pay premium online