RPLI Calculator (Rural Postal Life Insurance)

Estimate Rural Postal Life Insurance (RPLI) maturity using Dept. of Posts simple reversionary bonus rates with effectiveFrom and source notes.

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 bonus declaration for RPLI FY 2026-27 (Gram Santosh / Gram Suraksha / Gram Sumangal). Rates updateable via FinancialRuleSet / formula.rules without code deploys.

RPLI vs PLI

RPLI is India Post’s rural life insurance scheme with its own bonus rates (typically lower than urban PLI). Eligibility and sum-assured limits differ — check with your local post office.

Rate source

Dept. of Posts bonus declaration for RPLI FY 2026-27 (Gram Santosh / Gram Suraksha / Gram Sumangal). Rates updateable via FinancialRuleSet / formula.rules without code deploys.

Frequently Asked Questions

₹48 per thousand of sum assured for Endowment (Gram Santosh), with Whole Life at ₹60 and Anticipated Endowment at ₹45 per thousand — updateable when DoP publishes new rates.

RPLI targets rural residents through the post office network. Age, health, and sum-assured limits apply — confirm eligibility at your branch.