PLI Calculator Postal Life Insurance

How it works

How to Calculate PLI Maturity Amount

PLI policies earn a simple reversionary bonus on the sum assured for every completed year. The PLI calculator maturity amount is therefore the sum assured plus the bonus accumulated over the policy.

After you calculate, use the PLI journey slider to see what the policy is worth in any year, and when your bonus overtakes the premiums you have paid.

Example: a ₹10,00,000 Santosh policy taken at age 30 and maturing at 60 runs for 30 years. At ₹52 per ₹1,000, the bonus is 1,000 × 52 × 30 = ₹15,60,000, so the maturity amount is ₹25,60,000.

Maturity chart

PLI Calculator Chart: Santosh & Suraksha Maturity Values

This quick chart shows the estimated value (sum assured + bonus) for common sum assured amounts, using the bonus rates declared for FY 2026-27 (₹52 for Santosh and ₹76 for Suraksha per ₹1,000 sum assured). Suraksha values show the amount payable if the claim happens after the stated number of years.

Chart values are estimates. Premium is not included because it depends on your age, term and plan.

Plans

Post Office PLI Calculator: Plans Covered

India Post offers six life insurance plans under Postal Life Insurance. This post office PLI calculator works out three of them. The bonus rates below were declared by the Directorate of Postal Life Insurance for FY 2026-27 (effective 1 April 2026). You can change the rate in the calculator at any time.

PLI plan limits

• Entry age for Santosh and Suraksha is 19 to 55 years.
• Minimum sum assured is ₹20,000 and the maximum is ₹50 lakh.
• Santosh maturity age options are 35, 40, 45, 50, 55, 58 and 60 years.
• Sumangal entry age is 19 to 45 years for the 15-year policy and 19 to 40 years for the 20-year policy.
• Paying premium 6 months or 12 months in advance earns a 1% or 2% rebate.

Eligibility for PLI is limited to specific groups such as central and state government employees, defence and paramilitary personnel, public sector units, nationalised banks, government-aided educational institutions, employees of listed companies and certain professionals such as doctors, engineers, CAs and lawyers. India Post confirms eligibility when you apply.

Step by step

How to Use This PLI Calculator Online

1. Pick your plan. Choose Santosh, Suraksha or Sumangal using the tabs above the form.
2. Enter your age and term. Add your entry age and the maturity age (or policy term for Sumangal).
3. Add the sum assured. Type any amount from ₹20,000 to ₹50 lakh, or tap a quick button.
4. Check the bonus rate. The FY 2026-27 rate is filled in. Change it if India Post declares a new one.
5. Optional: add your monthly premium to see net gain and return, or a target amount to see the sum assured you need.

Premium rates differ by age and plan, so the calculator does not guess them. Use the premium shown on your policy quote or the official India Post PLI portal.

Compare

LIC vs PLI Calculator: Key Differences

People often compare PLI with LIC before buying. The table shows the main structural differences. For an actual return comparison, ask each provider for a benefit illustration at your age and term.

Good to know

PLI Tax Benefits, Loans and Alternatives

Under the old tax regime, premiums paid on a PLI policy can qualify for an income tax deduction, and maturity or death proceeds are generally tax-exempt, subject to the conditions in income tax law. Tax rules and section numbers change, so please confirm with a tax professional.

Santosh and Suraksha policies can get a loan or be surrendered after a minimum period of 3 to 4 years, depending on the plan. Sumangal does not allow loans or surrender. If you want to compare PLI with other long-term options, see our Sovereign Gold Bond Calculator for a very different kind of investment.