PLI Santosh Endowment Plan — Guide & Maturity Table (FY 2025-26)
Santosh Maturity Table — FY 2025-26
| Sum Assured | 14yr | 19yr | 21yr | 25yr | 30yr |
|---|---|---|---|---|---|
| ₹2.0L | ₹3.6L | ₹4.2L | ₹4.4L | ₹4.9L | ₹5.5L |
| ₹5.0L | ₹9.1L | ₹10.5L | ₹11.1L | ₹12.3L | ₹13.7L |
| ₹10.0L | ₹18.1L | ₹21.0L | ₹22.2L | ₹24.5L | ₹27.4L |
| ₹25.0L | ₹45.3L | ₹52.5L | ₹55.5L | ₹61.3L | ₹68.5L |
| ₹50.0L | ₹90.6L | ₹1.05 Cr | ₹1.11 Cr | ₹1.23 Cr | ₹1.37 Cr |
Frequently Asked Questions
What is PLI Santosh plan?
PLI Santosh is an Endowment Assurance (EA) policy — you pay premiums for a fixed term and receive Sum Assured plus all accrued bonuses at maturity. Bonus rate ₹58/₹1,000 SA/year. Entry age 19–55. Maturity ages: 35, 40, 45, 50, 55, 58, or 60. Maximum SA ₹50 lakh. Most popular PLI plan for government employees.
How much does PLI Santosh pay on ₹10 lakh SA after 20 years?
PLI Santosh on ₹10L SA × 20 years: Maturity = ₹10L + (₹58 × 1,000 × 20) + terminal bonus = ₹10L + ₹11.6L + ₹1,000 = ₹21.6L. Fully tax-free under Section 10(10D).
What is the difference between PLI Santosh and Suraksha?
Santosh (Endowment) matures on a fixed date with ₹58 bonus — ideal for planned goals. Suraksha (Whole Life) runs until age 80 with higher ₹85 bonus — ideal for maximum accumulation. Santosh is better if you need money at retirement. Suraksha is better if you want maximum corpus at age 80.
Can I surrender PLI Santosh early?
Yes — after 3 completed years of premiums. Surrender value = paid-up SA + vested bonus to date (typically 60–80% of what you’d get at maturity). Early surrender significantly reduces returns. Consider a loan against the policy instead — same immediate cash need at ~10% p.a. interest while bonuses continue.
What premiums to pay for PLI Santosh?
PLI Santosh premiums are age and term dependent. At age 30 for ₹10L SA × 20-year term, approximate monthly premium is ₹490–540. At age 35 × 20-year term, approximately ₹530–590. Exact premiums are from the official PLI premium table available at any head post office or indiapost.gov.in.
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