LIC Pay Direct – Payment Online without Registration

How do I make LIC premium payment online through bill desk?  Do I have to register to make LIC premium payment online? What are the options to pay LIC premium? Can i make it through Debit Card/Credit Card like HDFC or Citibank.

I am sure most of us faced this challenge. I remember the days when people would visit the LIC offices, stand in the never ending queue and wait for their turn to pay the premiums.  However, with the advent of technology and modern banking concepts, we can now do away with this visit and the long queues.

LIC now offers its customers an option to make their LIC premium payment online.  LIC’s “Pay Direct” is a good option to pay LIC premium online without registration. LIC premium can be paid either through net banking or through Credit/Debit cards.  However, keep your policy details handy before you proceed towards paying your premium.

The details that one needs to know before proceeding towards payment are –

  • LIC Policy Number
  • Premium amount due

LIC Premium Payment Online without Registration

Step 1: Log on to

Step 2: Click on Online Services

Step 3: You will get 2 options- Registered Users and LIC Pay Direct

Step 4: Click on LIC Pay Direct

Step 5: Fill in the basic details like Policy Number, Premium Amount, DOB, e-mail ID and Mobile number.

Step 6: Click on Pay Renewal Premium and Submit.

Step 7: All policies for which premium is due will be shown, click on proceed

Step 8: You will get an option to pay either by Net banking or Credit Cards/Debit cards (Convenience fee is applicable when you pay LIC premium online through credit cards/debit cards)

Step9: If you click on internet banking – it will take you to your bank website. Login and you can pay LIC premium online

 Step 10:  If you click on Credit Cards/Debit Cards, it will prompt you to fill in your card details and then proceed towards payment.

 Step 11:  For payment through credit card like HDFC credit card or Citibank credit card, click on IDBI link.

LIC Payment Online through Bill Desk

LIC Premium Payment Online


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This is a very simple and an effective way to make your LIC premium payment online.  The Direct Pay facility is also very helpful since you do not need to register or remember your login credentials.

Hope this article will help you to make LIC premium payment online.

If you liked this article, please share and help others make their LIC premium payment online like you did in less than 2 minutes.

LIC Premium Payment Online: Go Directly to LIC Pay Direct 



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  1. Thread Stone says

    As Mentioned in image about ServiceTax for CreditCard payments.
    Do we need to pay extra amount other than 35 rupees if amount more than 5000.
    Please state how much ServiceTax will they deduct if premium amount is 15000

      • Thread Stone says

        Is service tax percentage based on premium amount(i.e 15000 Rs) or convenience fee (i.e 35 Rs).
        Because according to the above pdf its says 10% to 12% and this will be huge if it is on premium amount

        • Ritz P says

          It is not on the convenience fee. Its not 10-12% for every policy. Its different for different products. It also varies on the fact, whether you are paying 1st Premium or Renewal premium.

          I suggest you the best way

          When you will enter the details of credit card to pay the premium amount, it will show you the service tax and convenience fee amount. After that, it will ask you to proceed. You will come to know, how much service tax is being charged.

  2. sarju kumari p.k. says

    Already i ave regesterd in lic online payment, but it is not opening. user nme or password is in correct like that it is writing. both are correct what I wants to do?

  3. Rajan George says

    Can I pay my son,s insurance premium by using my net banking facility with Federal bank.Please advsie

    Rajan George

  4. prashant says

    i have to pay 26935/- as premium hiw much i will be charges extra on my credit card…
    Please clarify 12.36%of premium as added charges will be too muchwill it be 12.36% of prmium or12.36% on convinience charge i.e. rs.190

  5. daisy says

    When i TRY TO PAY PREMIUM. It is showing as premium cannot be paid for this policy. what should i do?

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