RPLI Bonus Rates 2025-26
Bonus Rates for Rural Postal Life Insurance (RPLI) Policies
Download RPLI Bonus Rates 2025-26 in PDF
In a separate notification, the Ministry of Communications has also declared the Reversionary Bonus Rates for Rural Postal Life Insurance (RPLI) for the financial year 2025-26 based on the actuarial valuation of the Rural Post Office Life Insurance Fund (RPOLIF) as of March 31, 2024.
| Type of Insurance Policy | Rate of Bonus (per ₹1,000 sum assured) |
| Whole Life Assurance (WLA) | ₹60/- |
| Endowment Assurance (EA) (including Children Policies) | ₹48/- |
| Anticipated Endowment Assurance (AEA) (including Gram Priya Policies) | ₹45/- |
| Convertible Whole Life Assurance (CWLA) | Whole Life bonus rate applies until conversion; after conversion, Endowment Assurance bonus rate applies |
| Terminal Bonus | ₹20/- per ₹10,000 sum assured, subject to a maximum of ₹1,000 for policies with a term of 20 years or more |
These bonus rates will also come into effect from April 1, 2025, and will remain applicable until further valuation is conducted. Interim bonuses at these rates will be payable for claims arising due to death or maturity. Bonus amounts with 50 paisa or more will be rounded up, and those below 50 paisa will be ignored.
This notification brings clarity to policyholders regarding their expected benefits and ensures transparency in the actuarial assessment of both Postal Life Insurance (PLI) and Rural Postal Life Insurance (RPLI) schemes.
Issued by: Kalpana Singh, Chief General Manager (PLI)
Date: November 26, 2024
Published by the Directorate of Printing, Government of India Press, New Delhi
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