RPLI Gram Suraksha (Whole Life) Calculator

Calculate premium for Rural Postal Life Insurance (Gram Suraksha). Pay premiums for a limited term, enjoy coverage till age 80.

Calculate Gram Suraksha Premium

Enter Policy Information

Selected Policy

Scheme Name

Date Of Birth

Premium Paying Term Ends At Age

Sum Assured (Max ₹10 Lac)

Premium Payment Mode

What is RPLI Gram Suraksha (Whole Life)?

Gram Suraksha is a Whole Life Assurance scheme under Rural Postal Life Insurance (RPLI). It provides life insurance cover up to 80 years of age with a high bonus rate. The policy is designed for residents of rural areas.

Eligibility & Key Details

Entry Age	19 to 55 Years
Minimum Sum Assured	₹10,000
Maximum Sum Assured	₹10,00,000 (₹10 Lac)
Maturity Age	80 Years
Bonus Rate	₹60 per ₹1,000 SA per year

Premium Payment Options

You choose to pay premiums only until a certain age — the coverage and bonus accumulation continue until age 80.

Option 1: Pay premiums until age 55.
Option 2: Pay premiums until age 58.
Option 3: Pay premiums until age 60.

Key Features

Maturity Benefit: Sum Assured + Accumulated Bonus paid at age 80.
Death Benefit: Full Sum Assured + Bonus paid to nominees on death before 80.
Loan Facility: Loan available after 4 years of premium payment.
Surrender: Policy can be surrendered after 3 years.
High Bonus: One of the highest bonus rates among insurance schemes.

Estimated Monthly Premium (for ₹1 Lac SA)

Below is an estimated monthly premium for a ₹1 Lakh policy paying till age 55.

Age of Entry	Est. Monthly Premium
25 Years	₹220 – ₹250
30 Years	₹250 – ₹290
35 Years	₹300 – ₹350
40 Years	₹370 – ₹430
45 Years	₹480 – ₹540