LIC NACH Debit-Date Checker

See the expected LIC auto-debit window, the grace-period fallback if the debit fails, and add a backup reminder so a bounce never lapses your policy.

Calculated in your browser — no data sent, no login. NACH usually debits on or around the due date; grace is 15 days (monthly) / one month, at least 30 days (other modes). Reminder tool, not financial advice.

Why a NACH backup matters

LIC auto-debits (NACH/ECS) usually go through on or around the due date — but they can bounce for insufficient balance, a mandate issue, or a bank error. If it fails silently, you may not notice until the policy is close to lapsing. A backup reminder a few days after the due date lets you confirm the debit and pay manually if needed.

The grace period is your safety net

If the debit fails, you still have the grace period — 15 days for monthly mode, 30 days for other modes — to pay without the policy lapsing. The checker shows that fallback date so you know your real deadline.

Grace-period rules from LIC of India. Reminder tool, not financial advice — no bank login required.

Frequently asked questions

When does LIC auto-debit the premium?
Usually on or around the premium due date; exact timing depends on your policy's NACH mandate.
What if the auto-debit fails?
You still have the grace period (15 days monthly / 30 days other modes) to pay manually before the policy lapses.
When LIC ECS / auto-debit fails Read what to do if your LIC auto-debit bounces.