Every Way to Pay Your LIC Premium (and Which to Actually Use)

NACH auto-debit is the most reliable option: set it once and the policy never lapses because of a forgotten due date.

Online payment via LIC's portal or Pay Direct works without registration for most policies and issues an instant digital receipt — keep the PDF for tax proof.

UPI through authorised apps is convenient but reconcile the receipt; a payment that shows as successful in the app is not proof until the receipt is generated.

Branch counters and premium points still work well for cash payers and for older policies with unusual modes.

Whatever you choose, switch to yearly mode if cash flow permits — the mode rebate makes it the cheapest way to pay.