RPLI Bonus Rates 2025-26

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

Download RPLI Bonus Rates 2025-26 in PDF

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

These bonus rates will be applicable for all claims arising due to death or maturity starting from 1st April 2025.

 

Reversionary Bonus Rates for 2025-26

S. No.	Type of Insurance Policy	Bonus Rate
1	Whole Life Assurance (WLA)	₹60 per ₹1,000 of sum assured
2	Endowment Assurance (EA)	₹48 per ₹1,000 of sum assured
3	Anticipated Endowment Assurance (AEA)	₹45 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 bonus rates will be effective for claims arising on or after 1st April 2025.

2.     Interim Bonus:

Interim Bonus will be payable at the same rates for all claims due to maturity or death until the next valuation.

3.     Terminal Bonus:

A Terminal Bonus of ₹20 per ₹10,000 sum assured (up to ₹1,000) is applicable for Whole Life Assurance and Endowment Assurance policies with a term of 20 years or more.

4.     Rounding Off Rule:

• Bonus amounts with 50 paisa or more shall be rounded up to the next rupee.
• Bonus amounts below 50 paisa will be ignored.

5.     Declared By:

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

6.     Actuarial Valuation:

The bonus rates are derived from the actuarial valuation of the Rural Post Office Life Insurance Fund (RPOLIF) as of 31st March 2024.

 

Conclusion

The updated bonus rates for Rural Postal Life Insurance policies for 2025-26 ensure that policyholders receive enhanced benefits. Beneficiaries are encouraged to take note of these rates for their financial planning, as they will apply to all claims from 1st April 2025 onwards.

 

Issued by:

Ministry of Communications

Directorate of Postal Life Insurance (PLI)

Date: 26th November 2024