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SI Loan Interest Calculator

We have developed this State Insurance calculator to help State government employees to determine their payable interest on behalf of drawn State Insurance Loan. Just few inputs, you can easily find out premium paying term and interest paying term.

Let's Quickly calculate your premium and interest paying term liabilities.

Please Enter Details

What's your name?

Deduction Start From

Loan Amount

SI Premium

Rate of Interest

SI Loan Interest Rate

Year/Date Rate of Interest
Up To 18-Sep-1985 6.0%
From 19-Sep-1985 10.0%
From 01-Apr-1998 12.0%
From 01-Apr-2002 9.5%
From 10-May-2004 8.5%
From 17-Apr-2020 7.50%

How to use the State Insurance Loan Interest Calculator

  1. Enter details as required
    • Specify your name
    • Enter month of first deduction
    • Drawn loan amount
    • Proposed Premium
    • Rate of interest
  2. Click Calculate to view your premium and interest paying terms.

Frequently Asked Questions (FAQs)

You can avail up to 90% of the total premiums paid, along with the earned bonus accumulated under your state insurance policy. For exact calculations, please refer to your policy details or contact the SIPF department.

Yes, you can repay your SI loan amount earlier. However, the maximum repayment term for the SI loan is 60 months.

The current interest rate for State Insurance (SI) loans has been fixed at 7.50% effective from 17th April 2020 onwards.

Key points:

  • The State Insurance Scheme is a welfare program that provides life risk coverage for state employees. Along with encouraging savings, it offers financial support to the employee and their family members.
  • Under State Insurance scheme, the premium amount deposited is eligible for income tax exemption under Section 80C of the Income Tax Act, 1961.
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