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Post Office Gram Suraksha Scheme Calculator

A Post Office Gram Suraksha Scheme calculator is a useful online tool that can be accessed free of cost. It helps you calculate the premium amounts based on your chosen life cover and allows you to find the right coverage as per your needs.

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Post Office Gram Suraksha Scheme

It is a life assurance policy with an additional characteristic of an option to change over the plan to the endowment assurance plan after completion of 5 years of the policy.

About Post Office Gram Suraksha Scheme Calculator

A Post Office Gram Suraksha Scheme Calculator is a freely available online tool. It helps you calculate the premium amount that you are required to pay for the plan benefits and desired life coverage. This calculator considers several factors like age, current income, medical conditions, and smoking habits to help you choose an insurance plan that best fits your needs and life goals.

How to Use an Online Post Office Gram Suraksha Scheme Calculator

The steps to compute Post Office Gram Suraksha scheme premium are very easy and hassle-free. The calculator for this scheme is readily available on the insurer’s official website and anyone can access it from there easily. On visiting the website, you might be asked to follow the below-mentioned steps:

Step 1: Click on the ‘Purchase a Policy’ tab and then select ‘Quote’

Step 2: Then, enter the following details:

  • Mobile Number

  • Name

  • Gender

  • Email ID

  • State

  • Pin Code

  • Date of Birth

  • Type of Product

  • Sum Assured

  • Occupation

Step 3: Enter the captcha code

Step 4: Click on Get Quote

Step 5: After that, the results will be displayed on the screen.

*Note: You can firstly understand what is term insurance and then use the Post Office Gram Suraksha Scheme Calculator.

Benefits of Post Office Gram Suraksha Scheme Calculator

Post Office Gram Suraksha Scheme calculator comes with several benefits. It is simple and easy to use and also quick and precise. Using this calculator, you can compare different RPLI plans offered by the post office and calculate the premium of all the plans in a single go. Following are the important benefits of a Post Office Gram Suraksha Suraksha calculator:

  1. Time-Saving

    This online tool helps you find a suitable plan in a couple of minutes. With a Post Office Gram Suraksha Premium Calculator, you can directly purchase a plan online mode, without the interference of any agents.

  2. Affordability

    If you are searching for an affordable term insurance plan, you can use an online Post Office Gram Suraksha scheme calculator to calculate the premium amount that best fits your budget and requirements.

  3. Choose the Right Coverage Amount

    A Post Office Gram Suraksha Scheme calculator provides you with an estimate of the right coverage amount. It helps cover your family’s financial requirements, liabilities, and the premium payable under the insurance plan. The choice of coverage depends on different parameters like age, current liabilities, yearly income, medical conditions, and other parameters.

  4. Helps in Financial Planning

    The Post Office Gram Suraksha scheme calculator helps you know the amount of premium to be paid immediately. Once you get to know the premium you are required to pay regularly, you can plan your financial budget accordingly.

*Note: If you also want to calculate the premium amount of your term life insurance plan, you can use the term insurance calculator.

What Are the Factors Affecting the Post Office Gram Suraksha Scheme Calculator?

The following parameters play an important role in estimating the Post Office Gram Scheme premium rates:

  • Policy Term: The tenure of the term plan selected by the life assured determines the premium amount payable.

  • Premium Payment Tenure: Policyholders can choose to pay premium amounts monthly, quarterly, bi-yearly, or annually.

  • Life Cover: The life cover amount chosen by the life assured affects the premium rates of the Post Office Gram Suraksha scheme.

  • Age: The age of the policyholder at the time of purchasing the policy is an important factor. With the increase in age, the premium prices also increase.

  • Lifestyle Habits: Your smoking habits will also be considered while calculating the premium rates. The premium rates are higher for smokers than non-smokers.

  • Premium Payment Option: You can choose to pay a premium from the following options:

    • Single Pay

    • Regular Pay

    • Limited Pay

Wrapping It Up!

The process of purchasing the Post Office Gram Suraksha scheme was loaded with several problems like visiting their branch and waiting for long to get the details. Now, the use of this online tool has considerably reduced the time and made the process hassle-free. It gives immediate results and accurate estimations inclusive of all the taxes. It is a good idea to use the tool to make an informed decision.


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