Post Office PLI & RPLI — Complete Guide 2025-26
India Post Life Insurance · FY 2025-26 · Bonus rates from official gazette notification
What is PLI (Post Office Life Insurance)?
PLI (Postal Life Insurance) is a life insurance scheme run by India Post for central and state government employees, PSU staff, and armed forces personnel. Established in 1884, it is India’s oldest life insurance scheme and offers among the highest bonus rates in the market — ₹85 per ₹1,000 sum assured per year for the Suraksha plan, with full sovereign government backing.
📊 All 6 PLI Plans — FY 2025-26 Quick Reference
| Plan | Type | Entry Age | SA Range | Bonus/₹1K/yr | Maturity |
|---|---|---|---|---|---|
| Suraksha | Whole Life Assurance | 19–55 | ₹20K – ₹50L | ₹85 ⭐ | At age 80 / death |
| Santosh | Endowment Assurance | 19–55 | ₹20K – ₹50L | ₹58 | Age 35–60 (chosen) |
| Suvidha | Convertible WLA | 19–55 | ₹20K – ₹50L | ₹60 | After conversion to EA |
| Yugal Suraksha | Joint Whole Life | 19–55 | ₹20K – ₹50L | ₹52 | At age 80 / death of either |
| Sumangal | Anticipated EA (Money-Back) | 19–45 | ₹20K – ₹50L | ₹47 | Periodic payouts at 6/9/12 yr |
| Bal Jeevan Bima | Children’s Policy | 5–20 | ₹20K – ₹3L | As per age | Maturity of parent’s policy |
All bonus rates per India Post official gazette notification FY 2025-26. Terminal bonus ₹20/₹10,000 SA (max ₹1,000) for WL & EA with 20+ year term. GST 0% on PLI premiums effective Sep 22, 2025.
🌾 RPLI Plans — For Rural India
| Plan | Type | Entry Age | Max SA | Bonus/₹1K/yr |
|---|---|---|---|---|
| Gram Suraksha | Whole Life Assurance | 19–55 | ₹10L | ₹60 |
| Gram Santosh | Endowment Assurance | 19–55 | ₹10L | ₹48 |
| Gram Sumangal | Anticipated EA (Money-Back) | 19–45 | ₹10L | ₹45 |
| Gram Priya | 10-Year Rural PLI | 19–45 | ₹10L | ₹45 |
⚖️ PLI vs RPLI — Key Differences
| Feature | PLI | RPLI |
|---|---|---|
| Who can buy | Govt / PSU / armed forces employees | Rural population (anyone in rural area) |
| SA limit | ₹50 lakh | ₹10 lakh |
| Bonus (WLA) | ₹85/₹1K/yr (Suraksha) | ₹60/₹1K/yr (Gram Suraksha) |
| Where to buy | Post office / DOP online portal | Post office (rural areas) |
| Premium | Higher SA → higher premiums | Lower SA → lower premiums |
| Surrender | After 3 years | After 3 years |
| Loan against policy | After 3 years | After 3 years |
✅ PLI Eligibility — Who Can Buy
✅ Eligible for PLI
- Central Government employees
- State Government employees
- PSU / nationalized bank employees
- Armed Forces (Army, Navy, Air Force)
- Paramilitary forces (CRPF, BSF, CISF etc.)
- RBI / SEBI / IRDAI employees
- Local bodies / UGC / AICTE employees
- Autonomous institutions (AIIMS, IIT, IIM etc.)
⚠️ NOT eligible for PLI
- Private sector employees
- Self-employed / businessmen
- Contractual / daily wage workers
- State government employees of some states (check DOP)
- Age below 19 or above 55 at entry
→ Not eligible for PLI? Consider RPLI if in rural area, or check eligibility
🧮 Calculate Your Exact PLI Maturity Amount
Enter your sum assured, plan, and policy term to see exact maturity with bonus accumulation.
Open PLI/RPLI Calculator →📚 PLI Complete Resource Library
📊 PLI Bonus Rates FY 2025-26
All 6 plans · Historical trend · Gazette reference
🛡️ Suraksha Plan — ₹85 Bonus
Highest bonus · WLA · Maturity table · FAQs
📋 Santosh Plan — ₹58 Bonus
Most popular · Endowment · Premium examples
🔄 Suvidha Plan — Convertible WLA
₹60 bonus · Flexibility to convert · Guide
⚖️ RPLI vs PLI Comparison
Complete 15-point comparison · Who benefits more
✅ PLI Eligibility Guide
Who qualifies · Documents · How to buy online