Whalesbook
Bajaj Life Insurance has announced a record ₹1,939 crore bonus for its participating policyholders for the financial year 2025-26. This year's bonus is a 5.8% increase from the ₹1,833 crore declared for FY25.
The payout is expected to benefit more than 11.89 lakh policyholders whose participating (traditional) policies are in force as of March 31, 2026.
Surplus from Participating Fund
The bonus is derived from the surplus generated within the company's participating fund. Payouts will be made according to individual policy terms, typically at maturity, upon policy exit, or during policy anniversaries, depending on the specific product.
Products Included in Bonus
This bonus covers a range of participating products, including Ace, Flexi Income Goal, Cash Gain, Invest Gain, Swarna Vishranti, Lifetime Care, and Super Saver. Some products, like Flexi Income Goal and ACE – Income, offer policyholders cash bonus options that can be taken out or accumulated. For eligible products, Bajaj Life Insurance has set an accumulation fund interest rate of 6.49% for FY2025-26.
Commitment to Policyholder Value
Tarun Chugh, Managing Director & CEO of Bajaj Life Insurance, stated that the bonus reflects the company's strong investment strategy and its dedication to increasing policyholder value. He noted that bonuses for participating policies are usually paid at maturity, surrender, or according to product terms, rather than as immediate cash payouts.