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PLI Calculator

PLI Paid-Up Value Calculator

Calculate the Reduced Sum Assured if you stop paying premiums. Coverage continues with lower value.


Calculate Paid-Up Value

Enter Policy Details

*Minimum 36 Months required for Paid-Up.

What is Paid-Up Value?


If you stop paying premiums after 3 years, your policy becomes "Paid-Up". The Sum Assured is reduced proportionately.


  • Formula: Paid-Up Value = (No. of Premiums Paid / Total Premiums Payable) × Sum Assured.
  • Bonus: Bonus accrued till the date of stopping payment is added (if policy is > 5 years old). No future bonus is added.
  • Payout: This amount is NOT paid immediately. It is paid at the end of the policy term (Maturity) or on Death.