PLI Bonus Rates 2025-26

Reversionary Bonus Rates Declared for Postal Life Insurance Policies (2025-26)

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The Ministry of Communications, Directorate of Postal Life Insurance (PLI), has announced the Reversionary Bonus Rates for Postal Life Insurance policies for the financial year 2025-26. The declaration is based on the Actuarial Valuation of the assets and liabilities of the Post Office Life Insurance Fund (POLIF) as of 31st March 2024.

These bonus rates will apply to all claims arising due to death or maturity during the financial year 2025-26, effective from 1st April 2025.

 

Reversionary PLI Bonus Rates for 2025-26

S. No.	Type of Policy	Bonus Rate
1	Whole Life Assurance (WLA)	₹76 per ₹1,000 of sum assured
2	Endowment Assurance (EA)	₹52 per ₹1,000 of sum assured
3	Anticipated Endowment Assurance (AEA)	₹48 per ₹1,000 of sum assured
4	Convertible Whole Life Assurance (CWLA)	Whole Life bonus rate applies until conversion; Endowment Assurance bonus rate applies post-conversion
5	Terminal Bonus	₹20 per ₹10,000 of sum assured, subject to a maximum of ₹1,000 for policies with a term of 20 years or more.

 

Key Highlights

1.     Effective Date:

The declared bonus rates are applicable for claims arising on or after 1st April 2025.

2.     Interim Bonus:

Interim Bonus will also be payable at the above-mentioned rates for all claims arising due to maturity or death until the next valuation is completed.

3.     Terminal Bonus:

Policies under Whole Life Assurance and Endowment Assurance with a term of 20 years or more will receive a Terminal Bonus of ₹20 per ₹10,000 sum assured, up to a maximum of ₹1,000.

4.     Rounding Off Rule:

• Bonus amounts involving 50 paisa or more shall be rounded up to the next higher rupee.
• Amounts involving less than 50 paisa shall be ignored.

5.     Declared By:

The bonus rates were declared under Rule 3 of the Post Office Life Insurance Rules (2011) by the Director General, Postal Services.

6.     Actuarial Valuation:

The bonus declaration is based on the actuarial valuation of the Post Office Life Insurance Fund (POLIF) as of 31st March 2024.

 

Conclusion

The revised bonus rates for Postal Life Insurance policies reflect the commitment of the Directorate of Postal Life Insurance to ensure favorable returns for policyholders. Beneficiaries are encouraged to review their policies and note these updated rates, applicable from 1st April 2025 onwards.

 

Issued by:

Ministry of Communications

Directorate of Postal Life Insurance (PLI)

Date: 26th November 2024