PLI Eligibility — Who Can Buy PLI in 2025-26?
| Category | PLI | RPLI |
|---|---|---|
| Central Govt employees | Yes | Rural only |
| State Govt employees | Yes | Rural only |
| Defence (Army/Navy/IAF) | Yes | — |
| Para Military (CRPF, BSF etc.) | Yes | — |
| Nationalized bank employees | Yes | — |
| RBI, SEBI, PSU employees | Yes | — |
| Railway/Postal employees | Yes | — |
| Private sector employees | No | Rural only |
| Self-employed / Farmers | No | Rural only |
| NRIs | No | No |
Documents Required
Mandatory
- Employment certificate (employer letterhead)
- Aadhaar card
- PAN card
- 2 passport photos
- Age proof (Aadhaar/birth certificate)
Medical Exam
- SA ≤ ₹5L at age ≤ 45: No exam required
- SA > ₹5L or age > 45: Medical at designated hospital
- Entry age: 19–55 years (Sumangal max 40)
- Min SA: ₹20,000 | Max SA: ₹50 lakh
Frequently Asked Questions
Who is eligible for PLI?
PLI eligibility: Central/state government employees, defence forces (Army, Navy, Air Force), Central Para Military Forces (CRPF, BSF, CISF, ITBP, SSB), nationalized bank employees, RBI/SEBI/NABARD staff, Indian Railway employees, postal department, PSU employees (ONGC, BHEL, SAIL etc.), and local body employees (some states). Private sector employees, self-employed, and NRIs are NOT eligible.
Can private sector employees buy PLI?
No — PLI is restricted to government and semi-government employees. Private sector employees in rural areas can buy RPLI. Urban private sector employees need to use LIC or private life insurers.
What is the age limit for PLI?
Minimum entry age for PLI: 19 years for all plans. Maximum entry age: 55 years for Suraksha, Santosh, Suvidha; 45 years for Suvidha (as it must convert before a certain age); 40 years for Sumangal (15-year term must end by age 60). Bal Jeevan Bima: 5–20 years (for children).
Can I hold multiple PLI policies?
Yes — you can hold multiple PLI policies across different plans (e.g., Suraksha + Santosh). However, the total Sum Assured across all policies combined cannot exceed ₹50 lakh. Declare all existing PLI policies when proposing a new one.
Can a government employee buy both PLI and LIC?
Yes — there is no restriction. Many government employees hold both PLI (for higher returns) and LIC (for additional cover, critical illness riders, or pension plans that PLI does not offer). PLI does not have riders (accident, critical illness) — LIC is used to fill that gap.
Calculate your exact PLI/RPLI maturity amount
PLI/RPLI Maturity Calculator