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.

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. 

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.

  1. 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. 

  2. 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.

  3. 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.


  • 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.

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