Postal Life Insurance (PLI and RPLI) Calculator
Maturity value of a Post Office life insurance policy with the bonus rates the Department of Posts declared for 2026-27, and the yearly return on your premiums.
For 2026-27 the Department of Posts declared PLI bonuses of ₹52 per ₹1,000 a year for endowment (Santosh), ₹76 for whole life (Suraksha) and ₹48 for anticipated endowment (Sumangal); rural PLI gets ₹48, ₹60 and ₹45. A ₹5 lakh, 20-year Santosh policy would mature at ₹10,21,000 if today's rate held every year, including the ₹1,000 terminal bonus.
The words on this page, explained simply
New to this? Here is what each term means, in plain English.
- Sum assured
- The basic amount your policy promises, printed as Basic Sum Assured on the policy bond. Bonuses are worked out as rupees per ₹1,000 of it.
- Simple reversionary bonus
- The bonus LIC adds to a policy each year it is in force, stated per ₹1,000 of sum assured. A rate of ₹40 on a ₹2 lakh policy adds ₹8,000 a year. Once added it is yours, but it is paid only at maturity, on death or, at a lower value, on surrender.
- Terminal bonus
- A one-time bonus added at maturity or on death. Postal Life Insurance pays ₹20 per ₹10,000 of sum assured, up to ₹1,000, on whole life and endowment policies of 20 years or more.
- Policy term
- The number of years until the policy matures and pays out.
- Yearly return
- The steady yearly rate that would turn your premiums, each paid at the start of a year, into the maturity amount. It is the fair number to compare with an FD or PPF.
Postal Life Insurance (PLI) is the Department of Posts' life insurance for government and other eligible employees and professionals; Rural PLI (RPLI) is open to people in rural areas. Both add a bonus every year at a rate the Department declares, which is what this calculator uses.
Bonus rates for 2026-27
| Plan | PLI (per ₹1,000 a year) | RPLI (per ₹1,000 a year) |
|---|---|---|
| Whole life (Suraksha / Gram Suraksha) | ₹76 | ₹60 |
| Endowment (Santosh / Gram Santosh), joint life, children | ₹52 | ₹48 |
| Anticipated endowment (Sumangal / Gram Sumangal, Gram Priya) | ₹48 | ₹45 |
Terminal bonus: ₹20 for every ₹10,000 of sum assured, up to ₹1,000, on whole life and endowment policies with a term of 20 years or more. Convertible whole life (Suvidha) gets the whole life rate, and the endowment rate once converted. The rates apply from 1 April 2026 and are paid as interim bonus on claims until the next valuation.
Source: Department of Posts notifications of 14 January 2026, Gazette of India CG-DL-E-17012026-269411 (PLI) and CG-DL-E-17012026-269417 (RPLI).
How the maturity value is worked out
Maturity value = sum assured + yearly bonus × years + terminal bonus. The Department declares a new rate each year, so a policy's real bonus is the sum of each year's rate; the calculator assumes today's rate for every year. Anticipated endowment policies pay part of the sum assured early, so the calculator covers endowment and whole life policies.
PLI or PPF?
Enter your yearly premium to see the return your policy works out to, and compare it with PPF (7.1% a year today). Life cover bought this way is small for the premium compared with a term plan.
Key takeaways
- PLI 2026-27 bonus: ₹52 endowment, ₹76 whole life, ₹48 anticipated endowment, per ₹1,000.
- RPLI 2026-27 bonus: ₹48, ₹60 and ₹45.
- Terminal bonus of up to ₹1,000 on 20-year-plus whole life and endowment policies.
Frequently asked questions
What is the PLI bonus rate for 2026-27?
₹76 per ₹1,000 of sum assured a year for whole life (Suraksha), ₹52 for endowment (Santosh, joint life and children's policies) and ₹48 for anticipated endowment (Sumangal), from 1 April 2026.
What is the RPLI bonus rate for 2026-27?
₹60 per ₹1,000 a year for whole life, ₹48 for endowment (including children's policies) and ₹45 for anticipated endowment (including Gram Priya).
How much will a ₹5 lakh PLI policy pay at maturity?
A 20-year Santosh (endowment) policy: about ₹10,21,000 at today's ₹52 rate, including a ₹1,000 terminal bonus. The same RPLI policy: about ₹9,81,000.