The Directorate of Postal Life Insurance (PLI) has announced the bonus rates for both Postal Life Insurance (PLI) and Rural Postal Life Insurance (RPLI) for the financial year 2025-2026. This important update, issued through a gazette notification by the Department of Posts, outlines the new bonus rates that will come into effect from April 1, 2025. The rates will remain applicable until March 31, 2026.
Policyholders, potential Postal Life Insurance customers, or those interested in enrolling in life insurance services can access the detailed gazette notification, which is available for download in PDF format. The document provides comprehensive information on the bonus rates applicable for the upcoming financial year.
F. No. PLI-04/1/2024-PLI-DOP.—In exercise of powers conferred vide Rule 3 of Post Office Life Insurance Rules (2011) and on the basis of Actuarial Valuation of the assets and liabilities of Post Office Life Insurance Fund (POLIF) as on 31.03.2024, the Director General Postal Services is pleased to declare a simple Reversionary Bonus on the Postal Life Insurance Policies on their becoming claims, due to death or maturity at the following rates:-
| Type of Insurance Policy | Rate of Bonus |
| i. Whole Life Assurance (WLA) | Rs. 76/- per thousand of sum assured |
| ii. Endowment Assurance (EA) (including Joint Life & Children Policies) | Rs. 52/- per thousand of sum assured |
| iii. Anticipated Endowment Assurance (AEA) | Rs. 48/- per thousand of sum assured |
| iv. Convertible Whole Life Assurance (CWLA) | Whole Life bonus rate would be applicable, but on conversion, Endowment Assurance bonus rate will be applicable |
| V. Terminal Bonus | Rs. 20/- per sum assured of Rs. 10,000/- subject to maximum of Rs. 1000 for Whole Life Assurance and Endowment Assurance policies with term of 20 years or more |
Rate of RPLI Bonus 2025-26
| Type of Insurance Policy | Rate of Bonus |
| i. Whole Life Assurance (WLA) | Rs. 60/- per thousand of sum assured |
| ii. Endowment Assurance (EA) (including Children policy) | Rs. 48/- per thousand of sum assured |
| iii. Anticipated Endowment Assurance (AEA) (including Gram Priya policies) | Rs. 45/- per thousand of sum assured |
| iv. Convertible Whole Life Assurance (CWLA) | Whole Life Bonus rate would be applicable, but on conversion, Endowment Assurance bonus rate will be applicable. |
| V. Terminal Bonus | Rs. 20/- per sum assured of Rs. 10,000/- subject to maximum of Rs.1000 for Whole Life Assurance and Endowment Assurance policies with term of 20 years or more. |
2. The rates of Bonus mentioned above for the Financial Year 2025-26 will be applicable from 01.04.2025.
3. Interim Bonus at the rates mentioned above will also be payable for all claims arising due to maturity or
death until future valuation is completed.
4. The amount of Bonus involving a fraction of 50 paisa or more shall be rounded off to the next higher Rupee
and fraction below 50 paisa shall be ignored.
KALPANA SINGH, Chief General Manager (PLI)