Bonus Declaration: PLI & RPLI (2026-27)
The Department of Posts has approved the following Simple Reversionary Bonus rates for policies active during the fiscal year 2026-27:
1. Postal Life Insurance (PLI)
| Plan Type | Policy Name | Bonus Rate (per โน1,000 Sum Assured) |
| Whole Life Assurance | Suraksha | โน76 |
| Endowment Assurance | Santosh | โน52 |
| Convertible Whole Life | Suvidha | โน76 (unless converted) |
| Anticipated Endowment | Sumangal | โน48 |
| Joint Life Assurance | Yugal Suraksha | โน52 |
| Children Policy | Bal Jeevan Bima | โน52 |
2. Rural Postal Life Insurance (RPLI)
| Plan Type | Policy Name | Bonus Rate (per โน1,000 Sum Assured) |
| Whole Life Assurance | Gram Suraksha | โน60 |
| Endowment Assurance | Gram Santosh | โน48 |
| Anticipated Endowment | Gram Sumangal | โน45 |
| Children Policy | Bal Jeevan Bima | โน48 |
Key Highlights
- Terminal Bonus: For PLI Whole Life and Endowment Assurance policies with a term of 20 years or more, a terminal bonus of โน20 per โน10,000 sum assured is applicable (capped at a maximum of โน1,000).
- Effective Date: These rates are applicable for the valuation period of 2026-27 and will be credited to the respective policies.
- Tax Benefits: Under Section 10(10D) of the Income Tax Act, the maturity amount (including these bonuses) is generally tax-free.
Note: For Convertible Whole Life Assurance (Suvidha), the Whole Life bonus rate (โน76) applies only if the policy is not converted. Once converted to an Endowment policy, the Endowment bonus rate (โน52) will apply from the date of conversion.
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