RPLI Online Premium Payment

Rural Postal Life Insurance (RPLI) schemes were introduced to enhance life insurance penetration in the rural areas of the country at lower premium rates. There are a total of six insurance policies ranging across whole-life, endowment, money-back, and child insurance plans. Notably, customers can now make payments towards their RPLI policies online.

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In the latest developments, policyholders who make RPLI premium payments online shall now bear the MDR (merchant discount rate) fee levied on credit card and debit card transactions.

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 16/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

RPLI Schemes

The following are the insurance plans offered under the rural postal life insurance portfolio.

RPLI Policy Name	Plan Description	Eligibility Criteria
Gram Suraksha	Whole life assurance scheme	Entry Age - 19 years to 55 years Sum Assured - Rs. 10,000 to Rs. 10 Lakhs
Gram Suvidha	Convertible whole life assurance policy	Entry Age - 19 years to 50 years Sum Assured - Rs. 10,000 to Rs. 10 Lakhs
Gram Santosh	Traditional endowment assurance plan	Entry Age - 19 years to 50 years Maturity Age - 35 years to 60 years Sum Assured - Rs. 10,000 to Rs. 10 Lakhs
Gram Priya	10 Years Rural Postal Life Insurance	Entry Age - 20 years to 45 years Survival Benefits - 4th Year (20% of SA); 7th Year (20% of SA); 10th Year (60% of SA) Sum Assured - Rs. 10,000 to Rs. 10 Lakhs
Gram Sumangal	Anticipated Endowment Assurance Money-back policy	Entry Age - 19 years to 45 years Policy Term - 15 years or 20 years Maximum Sum Assured - Rs. 10 Lakhs
Bal Jeevan Bima	Life insurance for children	Entry Age (children) - 5 years to 20 years Max Entry Age (parent) - 45 years Maximum Sum Assured - Rs. 1 Lakh or equal to the SA under the parent’s cover (whichever is less)

New customers have the option to now go digital with the premium payments against their RPLI schemes. Existing policyholders can also use online payment modes to renew their RPLI policies or pay premiums.

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RPLI Online Payment Modes

There are multiple ways to pay RPLI premium online using different payment gateways such as debit cards, credit cards, net banking, wallets, and UPI. Payment gateways can be chosen as per the convenience of the user. Here are some of the ways to make RPLI payments online.

Using Postinfo
- Postinfo is the official mobile application of the Department of Posts by India Post.
- The application can be downloaded on any android phone to access the wide-ranging services offered by Postal Life Insurance and India Post.
- This India Post Payments Bank (IPPB) application features offerings such as RPLI policy purchase, policy tracking, premium payment, premium calculators, etc.
- Postinfo uses your IPPB UPI ID to process the online premium payments made through this facility.
Using India Post’s Website
- India Post’s official website features a host of offerings with regards to rural postal life insurance schemes.
- Policyholders can estimate premium quotes, compare premiums of different plans and pay premiums online.
- Users can use UPI, net banking, credit and debit cards, wallets, etc. to make RPLI policy-related online payments.
Using POSB Account

RPLI policyholders can also pay their policy renewal premiums online through the Post Office Savings Bank (POSB) Account using internet banking. Note that your POSB account has to be enabled and linked with your bank account to use internet banking functionalities.

How To Pay RPLI Premiums Online?

The following sections discuss the steps involved in the above mentioned ways of making RPLI online premium payments.

Here is the procedure to make RPLI premium payments online using Postinfo.

Download the latest version of the Postinfo application on your mobile.
Click on the Insurance Portal.
Click on Customer Login.
Fill the form with your customer ID, password, and captcha.
Click on Login.
Click on Payments.
Click on the Policy Number against the policy you wish to pay the premiums for.
Check the premium amount and click on Confirm Payment.
Click on Pay Now.
Choose your preferred premium option among Cards (Credit/Debit), Net Banking, Wallet, PayTM, and UPI.
Click on Proceed.
Once the payment is done, you will see a message ‘Transaction Successful’.

Here is the procedure to make RPLI premium payments online using India Post’s website.

Visit the official website of India Post.
Scroll to Postal Life Insurance.
You will be redirected to an external page. Click on OK.
Go to the ‘Purchase a Policy’ section.
Select Initial Payment from the drop-down menu.
Enter the Proposal Number that was issued to you on purchase.
Click on Submit.

Here is the procedure to make RPLI renewal premium payments online using the POSB internet banking facility.

Log in to India Post’s e-banking portal.
Scroll to the General Services section.
Select Service Requests.
Click on RPLI Renewal Payment.
Fill in the requested details and click on Submit Online.
Proceed as directed to complete premium payment.

Note: Check all the best term insurance plan in India.

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FAQs

Can premiums for rural postal life insurance policies be made online?

Yes, premiums for RPLI policies can be paid through online as well as offline modes.
How can I pay RPLI premiums online?

Premiums can be paid online through UPI, wallets such as PayTM and PhonePe, net banking, credit cards, and debit cards.
What is Postinfo?

Postinfo is the official mobile application by India Post that facilitates faster policy purchase, online premium payments, and policy tracking, among other offerings.
Can I buy RPLI policies online?

Yes, RPLI policies can be bought online from the website of India Post or from the mobile application, Postinfo.
Q: Should I buy term insurance or life insurance?

Ans: Whether you should buy term insurance or life insurance depends on your individual needs. If you are looking to secure your loved ones at affordable premiums, then term life insurance might be the right option for you. Whereas, if you are looking to buy a plan that offers financial security for the family as well as wealth creation, then life insurance might be a better fit for you. However, you should always take a thorough look at the policy details for a better understanding of the benefits offered.
What are the benefits of term life insurance?
Ans: Here are 4 common benefits of term life insurance:
- Low premium rates
- Tax Benefits
- Death Benefit
- Long term coverage

˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.