PLI Calculator – Calculate Premium, Bonus & Maturity Online
Free PLI & RPLI Calculator to instantly calculate premium, bonus, maturity amount, and total returns using official India Post rates. No need to visit a post office or depend on agents — get accurate results in seconds.
Covers all PLI and RPLI schemes. Based on official India Post premium tables and declared bonus rates. Easy to use, completely free, and ideal for investment planning and policy comparison.
How to Use the PLI Calculator
Select your PLI or RPLI scheme
Enter your date of birth
Choose your maturity age
Enter the sum assured
Select premium payment mode
Click Calculate — get instant results
Why Use This PLI Calculator?
Trusted by policyholders across India for accurate, instant, and agent-free calculations.
Official India Post Data
Based on official premium tables and declared bonus rates.
Instant Results
Calculate premium, bonus and maturity in seconds.
All Schemes Covered
All PLI and RPLI schemes fully supported.
No Agent Needed
Remove dependency on agents or manual calculations.
Free to Use
100% free. No registration required.
Investment Planning
Compare policies and plan your investment smartly.
PLI Calculators
Calculate premium, bonus, and maturity for all Postal Life Insurance schemes using official India Post rates.
Endowment Assurance (Santosh)
Lump sum maturity: sum assured + bonus if policyholder survives the full term. Nominee receives full benefit on death.
Anticipated Endowment (Sumangal)
Money-back policy: receive 20% of sum assured at intervals. Remaining amount + full bonus paid at maturity.
Whole Life Assurance (Suraksha)
Lifetime coverage with the highest bonus rate. Premium stops at 55/58/60, but bonus continues till age 80.
Convertible Whole Life (Suvidha)
Start as whole life, convert to endowment after 5 years. Compare maturity values before and after conversion.
Children Policy (Bal Jeevan Bima)
Secures child's financial future. If parent dies, all future premiums are waived and policy continues.
Joint Life Assurance (Yugal Suraksha)
Covers husband & wife under one policy. Survivor gets full benefits; both get maturity if both survive.
RPLI Calculators
Fast, free, and accurate RPLI calculators for all rural Postal Life Insurance schemes.
Gram Santosh (Endowment)
Rural endowment: sum assured + bonus at maturity after fixed premium term.
Gram Suraksha (Whole Life)
Lifetime RPLI coverage up to age 80. Premium stops at chosen age; bonus keeps growing.
Gram Suvidha (Convertible)
Starts as whole life; convert to Gram Santosh after 5 years for earlier maturity.
Gram Priya (10-Year Plan)
Short-term 10-year RPLI policy with survival benefits during term and bonus at maturity.
Gram Sumangal (Money Back)
20% of sum assured paid at intervals; remaining + full bonus at maturity.
Gram Bal Jeevan Bima
RPLI child policy: premium waived if parent dies; policy continues for child.
PLI & RPLI Surrender Value Calculator
If you plan to exit your PLI or RPLI policy before maturity, the Surrender Value Calculator shows you exactly what you will receive — including the reduced sum assured, proportionate bonus (only if 5 years are completed), and the maximum loan amount you can borrow against your policy.
Important: Surrendering before completing 5 years means losing your entire accumulated bonus. Use this calculator to see the exact financial impact before making any decision.
What the Calculator Shows You
Surrender Value
The reduced lump sum you receive on early exit.
Proportionate Bonus
Bonus credited only if 5+ full years are completed.
Net Payout Amount
Surrender value plus any applicable bonus together.
Eligible Loan Amount
Maximum loan you can borrow against the policy.
How to Use the Surrender Value Calculator
Ready to check your surrender value?
Get instant results — surrender value, bonus, net payout & loan eligibility.
All Postal Life Insurance Schemes Overview
Compare entry age, bonus rates, and suitability across every PLI and RPLI scheme at a glance.
PLI Schemes — Postal Life Insurance
| Scheme | Entry Age | Bonus Rate | Best For | Calculate |
|---|---|---|---|---|
| PLI Endowment Assurance (Santosh) | 19–55 Years | ₹52 / ₹1,000 / Year | Guaranteed lump sum at a fixed age | Open |
| PLI Whole Life Assurance (Suraksha) | 19–55 Years | ₹76 / ₹1,000 / Year | Highest Bonus + Lifetime Cover | Open |
| PLI Convertible Whole Life (Suvidha) | 19–50 Years | ₹76 / ₹1,000 / Year | Flexibility of changing your plan later | Open |
| PLI Anticipated Endowment (Sumangal) | 19–40 Years | ₹47 / ₹1,000 / Year | Money during the policy term + Premium | Open |
| PLI Joint Life Assurance (Yugal Suraksha) | 21–45 Years | ₹52 / ₹1,000 / Year | One policy covers both husband and wife | Open |
| PLI Children Policy (Bal Jeevan Bima) | 5–20 Years | ₹52 / ₹1,000 / Year | Secure your child's future even if parents are not around | Open |
PLI Endowment Assurance (Santosh)
Guaranteed lump sum at a fixed age
CalculatePLI Whole Life Assurance (Suraksha)
Highest Bonus + Lifetime Cover
CalculatePLI Convertible Whole Life (Suvidha)
Flexibility of changing your plan later
CalculatePLI Anticipated Endowment (Sumangal)
Money during the policy term + Premium
CalculatePLI Joint Life Assurance (Yugal Suraksha)
One policy covers both husband and wife
CalculatePLI Children Policy (Bal Jeevan Bima)
Secure your child's future even if parents are not around
CalculateRPLI Schemes — Rural Postal Life Insurance
| Scheme | Entry Age | Bonus Rate | Best For | Calculate |
|---|---|---|---|---|
| RPLI Endowment Assurance (Gram Santosh) | 19–55 Years | ₹48 / ₹1,000 / Year | Savings + Life Cover | Open |
| RPLI Whole Life Assurance (Gram Suraksha) | 19–55 Years | ₹48 / ₹1,000 / Year | Lifelong Cover + High Bonuses | Open |
| RPLI Convertible Whole Life (Gram Suvidha) | 19–50 Years | ₹48 / ₹1,000 / Year | Option to Convert Policy | Open |
| RPLI Anticipated Endowment (Gram Sumangal) | 19–40 Years | ₹47 / ₹1,000 / Year | Periodic Payouts + Maturity | Open |
| RPLI 10-Year Rural PLI (Gram Priya) | 19–45 Years | ₹48 / ₹1,000 / Year | Short Term + Periodic Premium | Open |
| RPLI Children Policy (Gram Bal Jeevan Bima) | 5–20 Years | ₹48 / ₹1,000 / Year | Child's Financial Future | Open |
RPLI Endowment Assurance (Gram Santosh)
Savings + Life Cover
CalculateRPLI Whole Life Assurance (Gram Suraksha)
Lifelong Cover + High Bonuses
CalculateRPLI Convertible Whole Life (Gram Suvidha)
Option to Convert Policy
CalculateRPLI Anticipated Endowment (Gram Sumangal)
Periodic Payouts + Maturity
CalculateRPLI 10-Year Rural PLI (Gram Priya)
Short Term + Periodic Premium
CalculateRPLI Children Policy (Gram Bal Jeevan Bima)
Child's Financial Future
CalculatePOSB Savings Calculators
Accurate Post Office Savings calculators for SSY, PPF, RD, FD, MIS, KVP, and more.
Sukanya Samriddhi (SSY)
Girl child savings scheme with highest POSB interest rate and tax benefits.
Public Provident Fund (PPF)
15-year government-backed savings with tax-free interest and full maturity.
Mahila Samman (MSSC)
2-year savings certificate for women at a competitive interest rate.
Recurring Deposit (RD)
Monthly savings plan with guaranteed returns over a 5-year period.
Time Deposit / FD
Fixed deposit for 1, 2, 3, or 5 years with government-backed security.
Monthly Income Scheme (MIS)
Monthly income scheme for regular monthly payouts on lump sum deposit.
Kisan Vikas Patra (KVP)
Check exactly how many months it takes to double your money with KVP.
Other Useful Calculators
Surrender value, loan eligibility, salary and more.
What is a PLI Calculator?
A PLI Calculator is an online tool that helps you estimate your premium amount, accumulated bonus, maturity value, and total returns for all Postal Life Insurance (PLI) and Rural Postal Life Insurance (RPLI) schemes. This calculator uses official India Post premium tables and declared bonus rates, ensuring accurate and reliable results. Whether you are a new customer or an existing policyholder, this tool helps you analyze and compare policies before making decisions.
Postal Life Insurance (PLI), founded in 1884, is India's oldest and most reliable government-backed life insurance scheme. It provides a dual benefit: financial security for the family in case of death and excellent returns on maturity — at lower premiums than private insurers.
PLI & RPLI Bonus Rates (Official 2025)
| Scheme | Type | Bonus Rate (per ₹1000 SA/yr) |
|---|---|---|
| Whole Life (Suraksha) | PLI | ₹76 |
| Endowment (Santosh) | PLI | ₹52 |
| Convertible (Suvidha) | PLI | ₹76 |
| Anticipated (Sumangal) | PLI | ₹47 |
| Children Policy (Bal Jeevan) | PLI | ₹52 |
| Joint Life (Yugal Suraksha) | PLI | ₹52 |
| Gram Suraksha | RPLI | ₹60 |
| Gram Santosh | RPLI | ₹48 |
| Gram Suvidha | RPLI | ₹60 |
| Gram Priya | RPLI | ₹45 |
| Gram Sumangal | RPLI | ₹47 |
| Gram Bal Jeevan Bima | RPLI | ₹48 |
PLI vs RPLI — Eligibility Comparison
| Parameter | PLI | RPLI |
|---|---|---|
| Target | Govt, PSU, Bank Employees & Professionals | Rural residents of India |
| Min Entry Age | 19 Years | 19 Years |
| Min Sum Assured | ₹20,000 | ₹10,000 |
| Max Sum Assured | ₹50 Lakh | ₹10 Lakh |
| Highest Bonus | ₹76/₹1000 (Suraksha) | ₹60/₹1000 (Gram Suraksha) |
PLI and RPLI Policy Eligibility: Who is Qualified?
Postal Life Insurance covers a broad spectrum of government and professional categories. RPLI is open to all rural residents without any employment proof.
Central and state both government employees (permanent and temporary).
Defence, paramilitary, railway, and telecom department employees.
PSU, SBI, RBI, NABARD, and all nationalized bank employees.
NSE/BSE-listed company employees on renewable contracts.
Registered professionals like doctors, lawyers, CAs, engineers, architects, MBAs, and company secretaries.
Teachers and staff of CBSE, ICSE, and state board schools, and employees of NAAC and AICTE.
Employees of government registered cooperatives and centrally or state-funded autonomous research bodies.
Rural residents can apply directly under RPLI with no employment proof required.
How to Buy a Postal Life Insurance Policy
You can purchase a PLI or RPLI policy either online through the official portal or offline by visiting your nearest post office.
- Visit your nearest post office.
- Contact a PLI or RPLI field officer or authorized agent.
- Collect the proposal form from the officer or agent.
- Fill in the proposal form and submit your KYC documents.
- The agent guides you through the remaining process.
- Open the official Postal Life Insurance website at pli.indiapost.gov.in.
- Create your account using your mobile number and email address.
- Log in and select your PLI or RPLI scheme.
- Fill in the online proposal form and upload scanned copies of all required documents.
- Pay your first premium online via UPI, Net Banking, or card payment.
- Your policy confirmation arrives on your registered email and the physical policy bond is dispatched to your home address.
How the PLI Calculator Computes Your Results
Every result produced by this PLI Calculator follows the official India Post method for entry age, premiums, bonus, and maturity — ensuring 100% accuracy.
Entry age is calculated on a next-birthday basis, exactly as per India Post's official method.
Premiums are fetched directly from India Post's official rate and premium tables for each scheme.
Rebate is applied automatically — 2% for yearly payment and 1% for half-yearly payment.
GST on all Postal Life Insurance premiums is zero effective September 22, 2025.
Annual bonus = Declared bonus rate per ₹1,000 × Sum assured × Policy years.
Terminal bonus of ₹20 per ₹10,000 sum assured is added for policy terms of 20 years or more.
Maturity amount = Sum assured + Total annual bonus + Terminal bonus (where applicable).
Return on investment is shown as a percentage: Total gain ÷ Total premium paid × 100.
Documents Required for a Postal Life Insurance Policy
Keep these documents ready before applying for a PLI or RPLI policy, either online or at a post office.
PLI Proposal Form
Available at your nearest post office or at pli.indiapost.gov.in.
Age Proof
Aadhaar card, PAN card, birth certificate, or any other valid document.
Identity Proof
Aadhaar card, PAN card, voter ID, or passport.
Address Proof
Aadhaar card, utility bill, bank passbook, or ration card.
Employment Proof
Service certificate, appointment letter, or employee ID card.
Two recent passport-size photographs.
Medical Report
Required only if sum assured exceeds ₹5 lakh or entry age is above 40 years.
Nominee Details
Full name, date of birth, relationship, and address proof.
PLI Calculator — FAQ
Everything you need to know about the PLI & RPLI Calculator.
Yes, it is completely free. No registration, no login, and no personal information is required. Simply enter your basic details, select your policy scheme, and get your complete policy details report instantly from any device and at any time.
Yes. All calculations use India Post's official premium rate tables and the bonus rates declared through official Gazette Notification No. CG-DL-E-17012026-269411, dated January 24, 2026, issued by the Directorate of Postal Life Insurance, Government of India.
PLICalculator.in covers all 12 schemes: PLI Santosh (Endowment), PLI Suraksha (Whole Life), PLI Sumangal (Anticipated Endowment), PLI Suvidha (Convertible), PLI Yugal Suraksha (Joint Life), PLI Bal Jeevan Bima (Children) — and all 6 RPLI schemes: Gram Santosh, Gram Suraksha, Gram Suvidha, Gram Priya, Gram Sumangal, and Gram Bal Jeevan Bima. A PLI/RPLI Surrender Value Calculator is also included.
There are two common reasons. First, agents sometimes use outdated bonus rate or premium figures. Second, PLI premiums are calculated on a next-birthday basis, which many agents get wrong. Our calculator uses the exact same method as India Post, so our results are more likely to match your official policy documents.
Sum Assured is the guaranteed base amount you choose when you buy a policy. Maturity Amount is Sum Assured plus all bonuses accumulated over the full policy term. For example, a 30-year-old taking a ₹10 lakh PLI Santosh policy with a 25-year term will accumulate approximately ₹13 lakh in bonus alone, making the total maturity amount roughly ₹23 lakh.
Among all PLI schemes, PLI Suraksha (Whole Life Assurance) has the highest bonus rate of ₹76 per ₹1,000 sum assured per year — 46% higher than PLI Santosh. Use the PLI Suraksha Calculator to compare both schemes using your own age and sum assured.
No. The entire maturity amount — including the sum assured and all accumulated bonuses — is fully tax-free under Section 10(10D) of the Indian Income Tax Act.
When you miss a PLI premium payment, you get a grace period of 30 days. If you pay within this period, the policy continues normally. If you do not pay within the grace period, the policy lapses.
Yes, but only after completing at least 3 years of premium payment. If you surrender before 5 years, you will lose your entire accumulated bonus. After 5 years, you will receive a proportionate bonus along with a reduced sum assured. Use our Surrender Value Calculator to check the exact payout for your policy.
Yes. After completing 3 years of premiums, you can borrow up to 90% of your policy's surrender value without cancelling the policy. Your life cover continues while the loan is outstanding. Interest is charged at 10% per year, payable half-yearly.
For eligible employees, PLI Santosh typically delivers higher maturity amounts than PPF and bank FDs for longer policy terms. Compared to LIC, PLI has lower administrative costs, which translate into higher declared bonuses. The only limitation is that PLI is available only to eligible government employees and specified professionals.
Yes, you can hold multiple PLI policies simultaneously. However, the total sum assured across all your PLI and RPLI policies combined cannot exceed ₹50 lakh.