PLI Calculator IN
Estimate the maturity value of a Postal Life Insurance (PLI) Endowment policy from the sum assured, term and bonus rate.
Rates shown are current as of FY 2025-26; figures are estimates. Confirm details with the scheme provider.
How it works
Enter the sum assured, policy term and bonus rate (₹52 per ₹1,000 per year for Endowment in FY 2025-26). The calculator adds the accrued bonus and any terminal bonus to the sum assured to estimate the maturity value.
Frequently asked questions
What is the PLI bonus rate?
For Endowment Assurance (Santosh), the bonus is ₹52 per ₹1,000 of sum assured per year in FY 2025-26; bonus rates are declared annually by the Department of Posts.
How is PLI maturity calculated?
Maturity equals the sum assured plus the accrued bonus over the term, plus a terminal bonus on policies of 20 years or more.
Is the bonus guaranteed?
Bonus rates are reviewed each year, so future bonuses can differ from the current ₹52 per ₹1,000. The tool lets you change the rate.
PLI Calculator
Postal Life Insurance Endowment (Santosh) pays the sum assured plus an accrued bonus at maturity. The current bonus rate is ₹52 per ₹1,000 of sum assured per year, with a small terminal bonus on long policies.
How maturity is built
- Bonus = sum assured ÷ 1,000 × bonus rate × term.
- Terminal bonus of ₹20 per ₹10,000 (up to ₹1,000) applies to policies of 20 years or more.
- Maturity = sum assured + total bonus + terminal bonus.
Results are estimates for general guidance in India and may not reflect the latest local rates, fees or rules. Check official sources before making decisions.