Postal Life Insurance (PLI) Calculators
Calculate premium & maturity amount with our most accurate PLI Calculators
PLI Whole Life Assurance (Suraksha) Calculator
Lifetime coverage with accumulated bonus payable at age 80 or death.
Calculate SurakshaPLI Endowment Assurance (Santosh) Calculator
Get maturity amount at a specific age (35, 40, 45, 50, 55, 58, 60).
Calculate SantoshPLI Convertible Whole Life Assurance (Suvidha) Calculator
Start as Whole Life and convert to Endowment Assurance after 5 years.
Calculate SuvidhaPLI Money Back Policy (Sumangal) Calculator
Periodic returns: 20% payouts every few years with insurance cover.
Calculate SumangalPLI Joint Life Assurance (Yugal Suraksha) Calculator
Life insurance coverage for both spouses under a single premium.
Calculate Yugal SurakshaPLI Children Policy (Bal Jeevan) Calculator
Secure your children's future. Max Sum Assured ₹3 Lakhs.
Calculate Bal JeevanRural Postal Life Insurance (RPLI) Calculator
Fast, Free and Accurate RPLI Calculator for premium and maturity results.
RPLI Whole Life Assurance (Gram Suraksha) Calculator
RPLI Whole Life Assurance. Maximum coverage for rural citizens.
Calculate Gram SurakshaRPLI Convertible Whole Life Assurance (Gram Suvidha) Calculator
RPLI Endowment Plan. Savings and Insurance combined.
Calculate Gram SuvidhaRPLI Endowment Assurance (Gram Santosh) Calculator
RPLI Endowment Plan. Savings and Insurance combined.
Calculate Gram SantoshRPLI Gram Priya (10 Years Rural PLI) Calculator
Anticipated Endowment. Get money back periodically.
Calculate Gram PriyaRPLI Anticipated Endowment Assurance (Gram Sumangal) Calculator
Anticipated Endowment. Get money back periodically.
Calculate Gram SumangalRPLI Children Policy (Bal Jeevan Bima) Calculator
Anticipated Endowment. Get money back periodically.
Calculate Bal Jeevan BimaPost Office Savings (POSB) Calculator
Simple & Most Accurate POSB Calculator for Latest interest and Maturity details.
Post Office Sukanya Samriddhi (SSY) Calculator
Calculate maturity amount for Girl Child Scheme with current interest rates.
Calculate SSYPost Office PPF Calculator
Public Provident Fund interest and maturity calculator (15 Years).
Calculate PPFPost Office MSSC Calculator
Recurring Deposit interest calculator for 5 Year Post Office RD.
Calculate MSSCPost Office RD Calculator
Recurring Deposit interest calculator for 5 Year Post Office RD.
Calculate RDPost Office Time Deposit (FD) Calculator
Fixed Deposit calculator for 1, 2, 3, and 5 years tenure.
Calculate FDPost Office MIS Calculator
Monthly Income Scheme calculator for regular monthly payouts.
Calculate MISKisan Vikas Patra Calculator
KVP Calculator. Check in how many months your money doubles.
Calculate KVPOther Useful Calculators
Calculate Your Loan Eligibility, Surrender Value and Paid Up Benefits Easily.
Loan Calculator
Check how much loan amount you can avail against your PLI policy.
Check Loan EligibilitySurrender Value Calculator
Calculate the amount you will get if you close your policy early.
Calculate Surrender ValuePaid Up Value Calculator
Estimate reduced sum assured if you stop paying premiums after 3 years.
Calculate Paid Up ValuePPP Salary Calculator
Convert your salary from one currency to another using PPP Calculator
Calculate PPP SalaryWhat is Postal Life Insurance (PLI) ?
Postal Life Insurance (PLI) founded in 1884, stands as India longest standing and most reliable government powered life insurance scheme. While it was initially meant for Postal employees, its coverage now extends to Personnel from Central and State Governments, Defense, Banking institutions, Accredited Professionals and Indian citizens. One of the main benefits of Postal Life Insurance is its ability to provide higher bonus rates at lower premiums than other private insurance providers in the market. It provides a dual benefit: financial security for the family in case of death and excellent returns on maturity.
Eligibility Criteria For Postal and Rural Postal Life Insurance ?
Knowing your specific category is crucial before you proceed with your application. PLI covers employees of the Government and Semi Government Sectors, Whereas Rural Postal Life Insurance (RPLI) is designed for residents of rural regions.
| Eligibility | Postal Life Insurance (PLI) | Rural Postal Life Insurance (RPLI) |
|---|---|---|
| Target Audience | Govt, Semi-Govt, PSU, Bank Employees & Professionals | People permanently residing in rural areas of India |
| Min Entry Age | 19 Years | 19 Years |
| Max Entry Age | 55 Years | 55 Years |
| Sum Assured (Limit) | Min: ₹20,000 Max: ₹50 Lakh |
Min: ₹10,000 Max: ₹10 Lakh |
Postal Life Insurance & RPLI Plan Details
Both PLI and RPLI offer 6 types of plans tailored to meet different financial goals. While PLI is for eligible employees, RPLI (Rural Postal Life Insurance) is specifically designed for people living in rural areas.
A. Postal Life Insurance Schemes:
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Whole Life Assurance (Suraksha): The policy remains active until the age of 80. Offers highest bonus.
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Endowment Assurance (Santosh): Get maturity amount at age 35, 40, 45, 50, 55, 58, or 60.
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Convertible Whole Life (Suvidha): Starts as Whole Life, option to convert to Endowment after 5 years.
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Anticipated Endowment (Sumangal): Money-back policy with periodic survival benefits.
- Joint Life Assurance (Yugal Suraksha): Single premium covers both husband and wife.
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Children Policy (Bal Jeevan Bima): Life insurance cover for children of policyholders.
B. Rural Postal Life Insurance Schemes:
- Whole Life Assurance (Gram Suraksha): Coverage up to 80 years with high returns.
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Endowment Assurance (Gram Santosh): Most popular RPLI plan. Lump sum at maturity.
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Convertible Whole Life (Gram Suvidha): Flexible plan, convertible after 5 years.
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Anticipated Endowment (Gram Sumangal): Money-back plan for rural citizens.
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10-Year RPLI (Gram Priya): Unique short-term scheme (10 years only).
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Children Policy (Bal Jeevan Bima): Insurance for children of rural policyholders.
Postal Life Insurance Premium Table
Unlike private insurance where premiums are fixed based on vague slabs, PLI premiums are calculated scientifically based on your Exact Age and Policy Term.
Key Factors Affecting Premium:
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Entry Age: The age at which you buy the policy. A 25-year-old pays much less than a 35-year-old.
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Sum Assured: The total insurance cover amount you choose.
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Maturity Age: When you want the money back (e.g., at age 50, 55, 58, or 60).
Postal Life Insurance Bonus Rates 2025
When it comes to insurance, it consists of two kinds, one of which is controlled by the other. The policies are outlined in the department of posts and it annually announces postal life insurance rates. The postal insurance is cheap and government run, thus, the scheme is a bit different in relation to bonus rates paid to the insurer, being higher than all other insurance firms.
| PLI Plan Name | Bonus Rate (Per ₹1,000) |
|---|---|
| Whole Life Assurance (Suraksha) | ₹76 per year |
| Endowment Assurance (Santosh) | ₹52 per year |
| Convertible Whole Life (Suvidha) | ₹76 per year |
| Anticipated Endowment (Sumangal) | ₹48 per year |
| Joint Life Assurance (Yugal Suraksha) | ₹52 per year |
| Children Policy (Bal Jeevan Bima) | ₹52 per year |
How to Apply for Postal Life Insurance Schemes
If You want to buy a PLI Policy you can go through both Online and Offline Process, making it convenient for everyone.
Process 1: Online Method
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First Go to the Official PLI Portal(pli.indiapost.gov.in).
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Now Click on "Buy Policy" and register using your personal details.
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After this Upload required documents (ID Proof, Address Proof, and Employment Proof).
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Now Pay the initial premium online to generate your proposal instantly.
Process 2: Offline Method
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Please Visit your nearest Post Office or Sub Post Office.
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Now Contact a PLI Field Officer or PLI Agent.
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Now Fill the proposal form and submit your KYC documents.
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After this agent will guide you through the Full Process (if required).
How this Postal Life Insurance Calculator Works
Our Postal Life Insurance Calculator guaranteed to deliver exact results as it relies on authentic, office-approved formulas from the Postal Department.
Here is the Step by Step Guide:
- Fill Data: The tool needs your Date of Birth to calculate your exact "Age Upcoming Birthday".
- Factor Selection: According to your Policy Type and Maturity Age, it takes the official Premium Factor.
- Bonus Calculation: It includes the latest 2025 Bonus Rates & Data to project your final Maturity Value.
- Rebate Logic: If you Select a high Sum Assured Amount, The tool automatically applies a Rebate or you can say discount on your premium.
How to Use the Postal Life Insurance Calculator?
Our Postal Life Insurance Calculator guaranteed to deliver exact results as it relies on authentic, office-approved formulas from the Postal Department.
- Step 1: Visit the official website plicalculator.in
- Step 2 Now Choose policy on the home page
- Step 3 Enter your details like Date of Birth and Sum Assured
- Step 4 And click on Calculate button
- Step 5 After This you will see detailed result