PLI Calculator (Postal Life Insurance)

Estimate Postal Life Insurance (PLI) maturity using Department of Posts simple reversionary bonus rates. Rates stored with effectiveFrom + source note for admin updates.

Calculator Inputs

Enter variables to compute real-time projections

Sum Assured (₹) *

Policy Term (Years) *

Plan Type (endowment | wholeLife | anticipated) *

Bonus Rate Override (₹ / ₹1,000 SA, 0 = use published) *

Projections Results

Maturity Amount

₹0

Accrued Bonus

Terminal Bonus

Total Bonus

Formula & Calculation Logic

Mathematical ModelMaturity ≈ Sum Assured + (Bonus Rate × SA / 1000 × Term Years) + Terminal Bonus

Dept. of Posts PLI Directorate F. No. 04-01/2025-LI — simple reversionary bonus for FY 2026-27 applicable from 01.04.2026 (actuarial valuation as on 31.03.2025).

How PLI bonus works

PLI pays a simple reversionary bonus declared by the Department of Posts. This calculator multiplies the published ₹-per-thousand rate by sum assured and completed policy years, then adds terminal bonus where eligible (term ≥ 20 years for WLA/EA).

Rate source & updates

Dept. of Posts PLI Directorate F. No. 04-01/2025-LI — simple reversionary bonus for FY 2026-27 applicable from 01.04.2026 (actuarial valuation as on 31.03.2025).

Illustrative estimate

Actual claim amounts depend on policy conditions, premium payment status, and interim bonus until the next valuation. Treat results as educational estimates — verify with your PLI statement or post office.

Frequently Asked Questions

₹52 per thousand of sum assured for Endowment Assurance (including Joint Life and Children policies), effective from 01.04.2026 per Dept. of Posts notification.

Maturity proceeds including bonus are generally exempt under Section 10(10D) when conditions are met. Confirm with a tax advisor for your policy.

PLI is primarily for government / public-sector employees and certain eligible groups via India Post. RPLI serves rural residents through the same post office channel.