Use our PLI Calculator to quickly estimate your Postal Life Insurance premium with first year and renewal premium, Maturity Value along with PDF.
Calculate the total maturity amount and bonus earned in PLI Santosh Plan.
This is a life insurance which is started by Indian Post in the year of 1884. Under the PLI Scheme Postal Department offers interest (Bonus) on sum assured amount along with life insurance facility. Those who are eligible for the PLI Scheme can open or start to investing in 06 policies of Postal Life Insurance. The government of India prepare the policies to making them a secure and earning potential for policy holders. These policies will work as a life insurance cum best returns
This is the calculator where you can check the premium amount from monthly to yearly basis of any PLI Plan. Here in this website () we provide you full details of Total Maturity Amount, Total installment you have to pay as per your input, how much bonus you will get etc.
Here you have to keep in mind that we provide both facilities like PLI calculator as well as RPLI calculator too. So, first you have to check what type of life insurance is for you based on eligibility criteria.
In this site, you can check these 5 calculators described below.
Postal Life Insurance Calculator works very well and is easy to understand. This calculator works on two parts: an Input section and a Result section.
When you choose which policy you want to buy, click on the policy name calculator on this page, and you will automatically land on the particular calculator. There, you have to enter your date of birth so your age on the next birthday will be shown automatically.
After that, you have to enter the sum assured amount, which is in the range of Rs 20,000 to Rs 50,00,000 and in multiples of Rs 10,000.
Then, you have to choose maturity age from the drop-down menu. After providing these details, just click on the Calculate button.
Now in this section, you will get full details from premiums to total maturity value. You will get 7 tables as listed below.
At the end, you will see pie charts showing how much you invest and how much you get in return along with life insurance.
PLI provides extraordinary benefits to policyholders with the security of their investment. Let's check them one by one.
When you compare with other life insurance providers, you’ll see that PLI, offered by the Postal Department of India, has a very competitive premium amount. All premiums are lower compared to other life insurance providers.
Since this insurance plan is managed by the Postal Department, it is backed by the government, ensuring full security of the insured amount. In case of the policyholder's death, the total maturity amount will be directly provided to their family member.
Policyholders can pay their premiums monthly, quarterly, half-yearly, or yearly based on their financial condition. If you pay yearly instead of monthly, you will receive a rebate.
Generally, there are 6 policies offered by the post office. Among them, we provide a calculator for premium and maturity value calculation.
| Policy Name | Bonus Rate |
|---|---|
| PLI Santosh | Rs 52 per Rs 1000 Sum Assured |
| PLI Suraksha | Rs 76 per Rs 1000 SA |
| PLI Suvidha | Rs 76 per Rs 1000 SA |
| PLI Sumangal | Rs 48 per Rs 1000 SA |
| RPLI Santosh | Rs 48 per Rs 1000 SA |
| RPLI Suraksha | Rs 60 per Rs 1000 SA |
| RPLI Suvidha | Rs 60 per Rs 1000 SA |
| RPLI Sumangal | Rs 45 per Rs 1000 SA |
| RPLI Bal Jeevan Bima | Rs 48 per Rs 1000 SA |
| Yugal Suraksha | Rs 52 per Rs 1000 SA |
Generally all the government and semi government officials are eligible to avail this policy. But for now central government also offers these policies to the professionals and graduates too. Let's check the list of organizations that employees can buy these policies.
You can buy a policy both online and offline. Let's discuss each method.
Visit the nearest post office branch and ask an employee about buying a policy. They will explain the different types of policies and provide an application form. Fill up the form, attach the required documents, and submit it to buy the policy.
Follow these steps to purchase a PLI policy online:
Step 1: Visit the official Postal Department website:
pli.indiapost.gov.in
Step 2: On the homepage, click on "Quote" under the "Purchase a Policy" menu.
Step 3: Enter your details (mobile number, name, DOB, state, gender, pin code, sum assured, captcha) and click "Get Quote".
Step 4: Fill out the Proposal form and make payment via the provided link or online under the "Initial payment" menu.
Step 5: Upload necessary documents.
Step 6: Once approved, your policy documents will be delivered by post.
The PLI Calculator helps you estimate your premium, maturity value, and bonus based on sum assured, applicant's age, and policy tenure.
The bonus rates for PLI policies vary. For example, PLI Santosh offers Rs 52 per Rs 1000 sum assured for the current year 2025. it will change too when government change the rule.
Simple answer of the question is Yes as compare to other third parties calculator. You can verify it too.