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Department of Posts • Postal Life Insurance

PLI & RPLI Premium & Bonus Calculator

Calculate exact monthly premiums, annual declared bonus accruals, and total tax-free maturity payouts for Postal Life Insurance (PLI) and Rural PLI (RPLI).

Max Bonus: ₹76 / ₹1,000 SA Switch to POSB Savings Calculator →

Triple-E Tax Benefits

Section 80C & Section 10(10D) 100% Tax-Free

Official DoP Rules

Select Policy & Coverage Specifications

Step 1: Select Insurance Plan:

Step 2: Sum Assured Coverage Amount (₹):

₹

Entry Age (Years): -- Yrs

Official DoP Rule: 19 - 55 Yrs

Target Maturity Age: Selected Target Term

Step 4: Premium Payment Frequency:

Monthly

Quarterly

Half-Yearly

Annual

Policy Quotation PLI Policy

Select Policy Specifications

Net Monthly Premium (Rebate Applied)

₹ --

Please select plan, sum assured, entry age & maturity age.

Declared Bonus Rate: ₹ -- / ₹1,000 SA

Total Accrued Bonus: +₹ --

Net Maturity Corpus: ₹ --

Eligible for Section 80C Tax Deduction.
Maturity & Death Claim 100% Tax-Free u/s 10(10D).

Side-by-Side Payment Frequency Comparison

Payment Frequency	Gross Premium	Rebate	Discount	Net Installment	Effective Annual Cost

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GOVERNMENT OF INDIA • DEPARTMENT OF POSTS

Postal Life Insurance & Rural PLI

Quotation No: PLI-20260902-0001 Date:
Valid for 30 days from date of issue

INSURANCE PREMIUM QUOTATION

This quotation is indicative. Final premium as per DoP official rate on date of policy issuance.

◉ Policy Details

Policy Category

PLI

Plan Name

Santosh (Endowment)

Sum Assured

₹5,00,000

Entry Age

30 Years

Maturity Age

60 Years

Policy Term

30 Years

Bonus Rate (Declared)

₹52 / ₹1,000 SA

✓ Key Benefits

✓ Section 80C Tax Deduction on premium paid
✓ Section 10(10D) — 100% Tax-Free maturity
✓ Death Benefit — SA + Accrued Bonus
✓ Loan Facility after 3 years of premium payment
✓ Surrender Value after 3 years (Endowment) / 5 years (WL)
✓ Guaranteed by Government of India

₹ Premium Details (All Modes)

Payment Mode	Gross Premium	Rebate	Discount	Net per Installment	Effective Annual Cost

Sum Assured ₹5,00,000

Total Accrued Bonus +₹7,80,000

Net Maturity Corpus ₹12,80,000

Important Notes:

This quotation is indicative. Final premium will be determined by the Department of Posts at the time of policy issuance.
Bonus rate shown (₹ per ₹1,000 SA) is the last declared rate and is subject to annual revision by the Government of India.
GST @ 0% (Waived w.e.f. 22 Sep 2025 on PLI/RPLI policies).
Rebate on Premium: Monthly ₹25, Quarterly ₹75, Half-Yearly ₹150, Annual ₹300. Non-monthly payment modes (Quarterly, Half-Yearly, Annual) are available exclusively for Endowment Assurance (EA) policies.
For official policy document, please visit your nearest Post Office or the PLI portal: pli.indiapost.gov.in

Disclaimer: DigiMit.in is an independent information resource and is not affiliated with the Department of Posts, Government of India. This quotation is generated for informational purposes only.