Rural Postal Life Insurance
RPLI
Secure Your Family's Future
🛡️
Government Backed
💰
Low Premium
📈
High Returns
Serving Rural Families Since 1995
🏛️
100% Government Backed
Operated by India Post, Ministry of Communications. Your money is completely safe with the Government
of India.
💵
Lowest Premium Rates
Premiums are significantly lower than private insurance companies. More savings for your family.
📈
Guaranteed Bonus
Earn up to ₹60 per ₹1,000 sum assured every year. Your money grows consistently.
🏦
Loan Facility
Get loans against your policy after 4 years. Financial help when you need it most.
📋
Tax Benefits
Save tax under Section 80C of Income Tax Act. Double benefit - insurance + tax savings.
🏘️
Easy Access
Available at 1.5 lakh+ post offices across India. Your nearest post office is your insurance office.
⭐
No Medical Examination Required for policies up to ₹1 Lakh
Coverage
Lifetime (up to 80 years)
Entry Age
19 - 55 years
Bonus Rate
₹60 per ₹1,000/year
Sum Assured
₹10,000 - ₹10,00,000
Monthly Premium (₹) - Premium Ceasing at Age 58
| Age Group |
₹1,00,000 |
₹5,00,000 |
₹10,00,000 |
| 19-20 |
₹145 - ₹150 |
₹725 - ₹750 |
₹1,450 - ₹1,500 |
| 21-25 |
₹155 - ₹175 |
₹775 - ₹875 |
₹1,550 - ₹1,750 |
| 26-30 |
₹180 - ₹210 |
₹900 - ₹1,050 |
₹1,800 - ₹2,100 |
| 31-35 |
₹230 - ₹280 |
₹1,150 - ₹1,400 |
₹2,300 - ₹2,800 |
| 36-40 |
₹295 - ₹345 |
₹1,475 - ₹1,725 |
₹2,950 - ₹3,450 |
| 41-45 |
₹380 - ₹475 |
₹1,900 - ₹2,375 |
₹3,800 - ₹4,750 |
| 46-50 |
₹530 - ₹790 |
₹2,650 - ₹3,950 |
₹5,300 - ₹7,900 |
| 51-55 |
₹900 - ₹1,200 |
₹4,500 - ₹6,000 |
₹9,000 - ₹12,000 |
What You Get
At age 80 (or on death): Full Sum Assured + All Accumulated Bonus
Example: ₹5,00,000 policy for 30 years = ₹5,00,000 + (₹60 × 500 × 30) =
₹14,00,000
Coverage
Until chosen maturity age
Entry Age
19 - 55 years
Bonus Rate
₹48 per ₹1,000/year
Maturity Age Options
35, 40, 45, 50, 55, 58, 60
Monthly Premium (₹) - For ₹1,00,000 Sum Assured
| Entry Age |
Mature@45 |
Mature@50 |
Mature@55 |
Mature@58 |
Mature@60 |
| 20 |
₹310 |
₹250 |
₹205 |
₹190 |
₹180 |
| 25 |
₹395 |
₹310 |
₹250 |
₹225 |
₹210 |
| 30 |
₹550 |
₹400 |
₹315 |
₹275 |
₹260 |
| 35 |
₹845 |
₹550 |
₹405 |
₹350 |
₹320 |
| 40 |
₹1,730 |
₹850 |
₹560 |
₹465 |
₹420 |
Premium for Higher Sum Assured (Age 30, Maturity 55)
| Sum Assured |
Monthly |
Yearly |
| ₹1,00,000 |
₹315 |
₹3,465 |
| ₹5,00,000 |
₹1,575 |
₹17,325 |
| ₹10,00,000 |
₹3,150 |
₹34,650 |
What You Get
At maturity: Full Sum Assured + All Accumulated Bonus
Example: ₹5,00,000 for 25 years = ₹5,00,000 + (₹48 × 500 × 25) =
₹11,00,000
Policy Terms
15 years or 20 years
Entry Age
19-45 (15yr) / 19-40 (20yr)
Bonus Rate
₹45 per ₹1,000/year
Special Feature
Periodic Payouts!
Money Back Schedule
15-Year Policy
Year 6
20%
→
Year 9
20%
→
Year 12
20%
→
Year 15
40% + Bonus
20-Year Policy
Year 8
20%
→
Year 12
20%
→
Year 16
20%
→
Year 20
40% + Bonus
Real Example: ₹5,00,000 Policy (20-Year Term)
Year 8:
₹1,00,000
Year 12:
₹1,00,000
Year 16:
₹1,00,000
Year 20:
₹2,00,000 + ₹4,50,000 Bonus
Total Received:
₹9,50,000
Initial Coverage
Whole Life
Entry Age
19 - 55 years
Conversion Option
After 5 years
Bonus Rate
₹60 → ₹48/₹1,000/year
🔄 Flexibility Feature
Start As
Whole Life
Bonus: ₹60/₹1,000
Convert To
Endowment
Bonus: ₹48/₹1,000
Who Should Choose This?
- ✅ Unsure whether you want whole life or endowment
- ✅ Want lifetime coverage now but may need lump sum later
- ✅ Prefer flexibility in financial planning
- ✅ Want to start with lower premiums
Premium Structure
Same as Gram Suraksha (Whole Life) rates
Conversion does not require additional medical examination
Policy Term
10 Years (Fixed)
Entry Age
19 - 45 years
Bonus Rate
₹45 per ₹1,000/year
Best For
Short-term goals
⏱️ Quick Returns
Get your money back in just 10 years with bonus!
Who Should Choose This?
- ✅ Planning for child's education (10 years away)
- ✅ Saving for a specific goal within 10 years
- ✅ Want insurance but don't want long commitment
- ✅ First-time insurance buyers
Example: ₹5,00,000 Policy
After 10 years you receive:
₹5,00,000 + (₹45 × 500 × 10) = ₹7,25,000
Premium (Age 30, Sum Assured ₹5,00,000)
Monthly: ~₹4,200
Yearly: ~₹46,200
✅ Rewards (What You Gain)
-
💰
Guaranteed Returns
Unlike market-linked investments, your returns are fixed and guaranteed
-
🛡️
Life Cover
Family gets full sum assured + bonus if anything happens to you
-
🏛️
Zero Risk of Loss
Government backing means your money is 100% safe
-
📋
Tax Savings
Save up to ₹46,800 per year (30% tax bracket on ₹1.5L)
-
🏦
Loan Facility
Emergency funds available after 4 years
⚠️ Risks (What to Know)
-
🔒
Lock-in Period
Cannot surrender for first 3 years. Plan accordingly.
-
📉
Lower Returns than Equity
Returns (~5-6%) are lower than stock market (but guaranteed)
-
💸
Surrender Penalty
Early exit means losing a portion of your money
-
📊
Inflation Impact
Fixed returns may not beat inflation in long term
🎯 The Verdict
RPLI is ideal for conservative investors who prioritize safety over high
returns. It's perfect for rural families who want guaranteed protection +
savings without market risks.
| Feature |
Gram Suraksha |
Gram Santosh |
Gram Sumangal |
Gram Suvidha |
Gram Priya |
| Type |
Whole Life |
Endowment |
Money Back |
Convertible |
10-Year Term |
| Entry Age |
19-55 |
19-55 |
19-45 |
19-55 |
19-45 |
| Term |
Till 80 yrs |
Flexible |
15/20 yrs |
Till 80 yrs |
10 years |
| Bonus Rate |
₹60 |
₹48 |
₹45 |
₹60→48 |
₹45 |
| Periodic Payout |
❌ |
❌ |
✅ |
❌ |
❌ |
| Premium Level |
Lowest |
Medium |
Medium |
Lowest |
Higher |
| Flexibility |
Low |
Medium |
Low |
Highest |
Low |
| Best For |
Max coverage |
Goals |
Cash flow |
Unsure |
Short term |
💡 Pro Tip: Start early! A 25-year-old pays significantly less than a 40-year-old for
the same coverage. The earlier you start, the more you save.