Minimum Deposit
Sum Assured: ₹20,000 to ₹50 Lakh
Maximum Deposit
Max Sum Assured: ₹50 Lakh
Scheme Tenure
Maturity at Age 35, 40, 50, 55, 58, 60
Tax Status
Sec 80C & Sec 10(10D) Tax-Free
Official Rules & Key Features
- High Bonus Rate: ₹52 per ₹1,000 Sum Assured per annum.
- Flexible Maturity: Choose maturity age at 35, 40, 50, 55, 58, or 60 years.
- Loan Facility: Available after 3 policy years.
- Surrender: Permitted after 3 policy years.
- Tax Benefit: Double tax saving under 80C and 10(10D).
Eligibility & Who Can Open Account
- Government & Semi-Govt Employees.
- Armed Forces & Defense Personnel.
- Bank, University & Listed Corporate Professionals.
Taxation Rules
Premium payments qualify for Section 80C deduction. Maturity payout 100% tax-free under Section 10(10D).
Premature Closure
Surrender allowed after 3 years. Reduced proportional sum assured paid.
Required KYC & Verification Documents
Govt ID, Aadhaar, PAN, Age Certificate.
Calculate Returns
Estimate exact maturity yield, monthly interest payout, or premium quotes for PLI Santosh (Endowment Assurance - EA).
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