PLI & RPLI Bonus Rates — FY 2025-26
PLI Bonus Rates — FY 2025-26
| Plan | Bonus per ₹1,000 SA/year | Type |
|---|---|---|
| Suraksha (WL) | ₹85 | Simple reversionary |
| Santosh (EA) | ₹58 | Simple reversionary |
| Suvidha (CWL) | ₹60 | Simple reversionary |
| Sumangal (AEA) | ₹48 | Simple reversionary |
| Yugal Suraksha | ₹52 | Simple reversionary |
| Bal Jeevan Bima | ₹40 | Simple reversionary |
RPLI Bonus Rates — FY 2025-26
| RPLI Plan | Bonus per ₹1,000 SA/year |
|---|---|
| Gram Suraksha (WL) | ₹65 |
| Gram Santosh (EA) | ₹50 |
| Gram Suvidha (CWL) | ₹58 |
| Gram Sumangal (AEA) | ₹47 |
| Gram Priya (Child) | ₹40 |
How Bonus Accumulates on ₹10L SA
| Years | Suraksha (₹85) | Santosh (₹58) | Suvidha (₹60) |
|---|---|---|---|
| 10yr | ₹18.5L | ₹15.8L | ₹16.0L |
| 15yr | ₹22.8L | ₹18.7L | ₹19.0L |
| 20yr | ₹27.0L | ₹21.6L | ₹22.0L |
| 25yr | ₹31.3L | ₹24.5L | ₹25.0L |
| 30yr | ₹35.5L | ₹27.4L | ₹28.0L |
Terminal bonus (₹20/₹10,000 SA, max ₹1,000) included for 20yr+ rows. Source: India Post official gazette notification.
Frequently Asked Questions
What is the current PLI bonus rate for FY 2025-26?
PLI bonus rates for FY 2025-26: Suraksha ₹85/₹1,000 SA/year, Santosh ₹58, Suvidha ₹60, Sumangal ₹48, Yugal Suraksha ₹52, Bal Jeevan Bima ₹40. RPLI rates: Gram Suraksha ₹65, Gram Santosh ₹50, Gram Suvidha ₹58. Rates declared per India Post gazette notification for FY 2024-25 and expected to continue in 2025-26.
How is PLI bonus calculated?
PLI bonus is calculated as: (Bonus rate per ₹1,000 SA) × (Sum Assured / 1,000) × (Number of completed policy years). For a ₹10L Suraksha policy held 20 years: Bonus = ₹85 × 1,000 × 20 = ₹17,00,000. Add to SA: ₹10L + ₹17L = ₹27L + terminal bonus ₹1,000. All tax-free at maturity.
Is PLI bonus rate higher than LIC?
Yes — PLI bonus rates (₹58–₹85/₹1,000 SA) are typically 20–50% higher than comparable LIC traditional plans (₹30–₹55/₹1,000 SA). The main reason is PLI has no agent commission (India Post employees process it), so more of the premium goes towards policy value.
Can PLI bonus rates change every year?
Yes — PLI bonus rates are declared annually by the Ministry of Finance and can change. However, bonuses already declared (vested bonuses) cannot be reduced — they are permanently added to your policy. Rate changes apply only to future declarations. Historically, PLI bonus rates have been revised periodically but remain competitive.
What is PLI terminal bonus?
PLI terminal bonus is ₹20 per ₹10,000 SA, with a maximum of ₹1,000, paid at maturity for Suraksha (WL) and Santosh (EA) policies held for 20 years or more. For a ₹50L policy, terminal bonus = ₹1,000 (capped). For a ₹5L policy, terminal bonus = ₹10,000/10,000 × 20 = ₹1,000 — no, ₹5L/₹10,000 × ₹20 = ₹1,000 (coincidentally hits the cap). For ₹1L: ₹1L/₹10,000 × ₹20 = ₹200.
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PLI/RPLI Maturity Calculator