PLI Bonus Rate 2025-26
PLI-04/1/2024-PLI-DOP.—In exercise of powers conferred vide Rule 3 of Post Office Life Insurance Rules (2011) and on the basis of Actuarial Valuation of the assets and liabilities of Post Office Life Insurance Fund (POLIF) as on 31.03.2024, the Director General Postal Services is pleased to declare a simple Reversionary Bonus on the Postal Life Insurance Policies on their becoming claims, due to death or maturity at the following rates:-
Postal Life Insurance (PLI) Bonus Rates
| Type of Insurance Policy | Rate of Bonus |
|---|---|
| i. Whole Life Assurance (WLA) | Rs. 76/- per thousand of sum assured |
| ii. Endowment Assurance (EA) (including Joint Life & Children Policies) |
Rs. 52/- per thousand of sum assured |
| iii. Anticipated Endowment Assurance (AEA) | Rs. 48/- per thousand of sum assured |
| iv. Convertible Whole Life Assurance (CWLA) | Whole Life bonus rate would be applicable, but on conversion, Endowment Assurance bonus rate will be applicable |
| v. Terminal Bonus | Rs. 20/- per sum assured of Rs. 10,000/- subject to maximum of Rs. 1000 for Whole Life Assurance and Endowment Assurance policies with term of 20 years or more |
2. The rates of Bonus mentioned above for the Financial Year 2025-26 will be applicable from 01.04.2025.
3. Interim Bonus at the rates mentioned above will also be payable for all claims arising due to maturity or death until future valuation is completed.
4. The amount of Bonus involving a fraction of 50 paisa or more shall be rounded off to the next higher Rupee and fraction below 50 paisa shall be ignored.
RPLI Bonus Rate 2025-26
Rural Postal Life Insurance (RPLI) Bonus Rates
| Type of Insurance Policy | Rate of Bonus |
|---|---|
| i. Whole Life Assurance (WLA) | Rs. 60/- per thousand of sum assured |
| ii. Endowment Assurance (EA) (including Children policy) |
Rs. 48/- per thousand of sum assured |
| iii. Anticipated Endowment Assurance (AEA) (including Gram Priya policies) |
Rs. 45/- per thousand of sum assured |
| iv. Convertible Whole Life Assurance (CWLA) | Whole Life Bonus rate would be applicable, but on conversion, Endowment Assurance bonus rate will be applicable |
| v. Terminal Bonus | Rs. 20/- per sum assured of Rs. 10,000/-, subject to maximum of Rs.1000 for Whole Life Assurance and Endowment Assurance policies with term of 20 years or more |
2. The rates of Bonus mentioned above for the Financial Year 2025-26 will be applicable from 01.04.2025.
3. Interim Bonus at the rates mentioned above will also be payable for all claims arising due to maturity or death until future valuation is completed.
4. The amount of Bonus involving a fraction of 50 paisa or more shall be rounded off to the next higher Rupee and fraction below 50 paisa shall be ignored.
