Postal Life Insurance (PLI) Premium & Bonus Table 2025 (Without GST)
Postal Life Insurance (PLI), also known as डाक जीवन बीमा, has been serving India since 1884. Managed by India Post (à¤ारतीय डाक), PLI is a government-backed, trusted insurance option.
PLI Endowment Assurance (EA) Plan – Overview
The Endowment Assurance (EA) plan blends insurance protection with long-term savings. It pays the Sum Assured + Accrued Bonuses on maturity, or to the nominee in case of the policyholder’s death during the policy term.
Key Features
- Sum Assured: ₹10,00,000 (₹10 Lakhs).
- Premium: Monthly & total premium depend on Age at Entry and Age at Maturity.
- Bonus: Declared annual bonus for this example: ₹52,000 per year on a ₹10 Lakh EA policy (2025 declaration).
- Terminal Bonus: ₹20 per ₹10,000 SA (capped at ₹1,000 for 20+ year policies) — not included in the maturity values shown.
- No GST: Figures below are exclusive of GST - Government has removed the GST on Life insurance Policies (individual).
PLI Premium & Maturity Table – ₹10 Lakh EA Policy
Data below is taken from PLI Premium Table Version 8 dated 22.09.2025. Maturity values use the latest declared bonus and are subject to future revision.
| Age at Entry | Age at Maturity | Monthly Premium (₹) | Total Premium Paid (₹) | Maturity Value (₹)* |
|---|---|---|---|---|
| 19 | 50 | 2,950 | 9,20,400 | 28,72,000 |
| 25 | 45 | 5,350 | 9,63,000 | 17,80,000 |
| 30 | 60 | 2,550 | 9,18,000 | 25,60,000 |
| 35 | 55 | 5,550 | 9,48,000 | 20,40,000 |
| 40 | 58 | 4,550 | 9,99,000 | 19,36,000 |
| 45 | 60 | 6,150 | 10,26,000 | 15,20,000 |
*Maturity values are calculated with the latest declared annual bonus and may change if future bonus rates are revised.
Embedded PLI Premium PDF (Version 8 dated 22.09.2025)
Important Considerations
- Bonus Fluctuations: The declared annual bonus can change — maturity values will vary accordingly.
- Policy Term: Policy term = Age at Maturity – Age at Entry.
- No GST: Government has removed the GST on Life insurance Policies (individual).
Conclusion
Postal Life Insurance (PLI) remains a secure, government-backed option for long-term savings and protection. The Endowment Assurance plan with attractive declared bonuses is especially suitable for policyholders seeking steady, reliable returns.