Example -
Annual Premium = Rs. 6,000
Policy Term = 20 years
Bachat Addition Rate = 5%

After 20 Years: Assumption Only
Total Premium Paid = 120,000
Bachat Addition Payable @5% = 63,000
Laoyalty Additions = 33,075

Total Benefit payable to policyholder = 2,16,075
Return - 5.073%

Please note that-

1- Bachat Addition: These are added at the end of every policy year.
2- Loyalty Addition: These will be added on maturity or death of life insured.

Some Good Readings -
1- ET
2- LM