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RPLI Calculator

The rural postal life insurance calculator is an online tool that allows users to estimate premiums that life assured has to pay to avail of the plan benefits. This helps RPLI insurance buyers to arrive at the most comprehensive coverage at desired premium rates according to their budget. RPLI Calculator can be used by visiting the official website of RPLI and the Post Office Mobile Application. 

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About Rural Postal Life Insurance

Rural postal life insurance schemes were introduced in 1995 to enhance insurance coverage in rural areas of the country. Currently, the RPLI portfolio comprises of 6 insurance plans serving different requirements. These are as follows:

  • Gram Suraksha - Whole life assurance scheme

  • Gram Suvidha - Convertible whole life assurance policy

  • Gram Santosh - Traditional endowment assurance plan

  • Gram Priya - 10 Years Rural Postal Life Insurance

  • Gram Sumangal - Anticipated Endowment Assurance Money-back policy

  • Bal Jeevan Bima - Life insurance for children

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Life Cover

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Life Cover

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Life Cover

@ Starting from ₹ 12/day+

Types of Post Office RPLI Calculators

Anyone considering investing in RPLI policies should make use of the postal RPLI calculator to get an idea of the premiums payable against their desired coverage. This will allow them to understand if the required cover is even affordable at the estimated premium rates. If the calculated premiums are lower than you had expected, you can increase the coverage, which is always a good idea. If the rates come out to be higher than your expectations, you can change the premium paying frequency, the premium ceasing age, or the coverage to reach the optimal coverage per your needs. This post office RPLI calculator also factors in the applicable rebates on higher sums assured to give you the most accurate premium estimation against the chosen policy.

What is the RPLI Premium Calculator?

The rural postal life insurance premium calculator is an online tool that calculates premiums payable against the sum assured under a policy. The tool can be used multiple times to recalculate premium rates by changing policy features, policy terms, premium payment, sum assured, etc. This ensures that the policyholder gets to the right life insurance cover that fits her/his needs and budget. The RPLI premium calculator is available online on India Posts’ official website and the Department of Posts mobile application, Postinfo. 

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What is the RPLI Maturity Calculator?

Similarly like, term insurance plan, on surviving the policy term of an RPLI policy, the life assured can claim the maturity benefit amount. The sum assured on maturity is decided by the buyer at the time of policy inception based on his/her requirements. Given that the bonus rate for the policies keeps on changing, RPLI maturity calculation will not be accurate. However, once buyers have fixed the sum assured amount, they can keep track of the latest bonus rates and calculate the final maturity amount themselves. The bonus rates are usually declared at a rate per 1000 sum assured. 

Apart from the maturity benefit, the RPLI surrender value calculation can also be done by the policyholders themselves based on the year of surrendering and the RPLI policy’s terms and conditions. You should note that RPLI policies do not offer the bonus amount if the policy is surrendered before the completion of 5 policy years. 

What is the RPLI Maturity Calculator Amount in 2023?

The maturity amount for RPLI policies is different for each plan as the life cover and premium payment option, and other such policy details may be different for various RPLI policies. You can calculate the RPLI calculator maturity amount using the RPLI maturity calculator to get a better idea of the maturity amount you would be eligible to receive in the year 2023. 

Factors Considered By The RPLI Calculator 

  • Age of the policyholder 

  • Name of the policy

  • Chosen policy term

  • Sum assured

  • Premium ceasing age

How To Use The Rural Postal Life Insurance Calculator?

You can use the RPLI calculator to calculate rural postal life insurance online through the website of India Post. Follow the guide below if you are looking to purchase any of the 6 RPLI schemes discussed above. 

  • On India Post’s website, scroll down to Postal Life Insurance and click on it. 

  • You shall be redirected to an external website after clicking on OK. 

  • Under the tab Purchase a Policy, click on Quote. 

  • Fill in the required contact details, DOB, product type (RPLI in this case), sum assured, occupation, gender, state of residence, and the name of the insurance scheme. 

  • Fill in the image captcha and click on Get Quote. 

  • The resulting page offers monthly, quarterly, half-yearly, and yearly premium quotes. 

Alternatively, you can download the Postinfo application on your device and use the premium calculator available on the platform. Once you are satisfied with the premium displayed, you can proceed to buy the policy. 

Why Should You Use The RPLI Calculator?

Let us take a look at why you should use the RPLI premium calculator or the RPLI maturity calculator:

  • It helps in your financial decision-making. 

  • It lets you customize coverage to fit your budget. 

  • The premium quotes are calculated in an instant.

  • The tool is free and can be used as many times as one wants. 

  • The calculator displays premiums payable monthly, quarterly, half-yearly, and annually. 

  • It eliminates third-party involvement, thereby reducing the risk of misselling.

Wrapping it Up!

RPLI calculator is an online tool that is available free of cost and is easy to use. With the RPLI premium calculator, you can calculate the approximate premiums you would need to pay for the desired life cover, whereas the RPLI maturity calculator allows you to estimate the expected maturity amount at the end of the policy term. Using the RPLI calculator, you can find the right plan for yourself that fits within your budget and provides suitable returns.


  • Q: How can I check my RPLI policy status?

    Ans: You can check your RPLI policy status by calling on the company’s toll free number 1800 180 5232 / 155232.
  • Q: Which is the best RPLI policy?

    Ans: The best RPLI policy depends on a person’s individual needs. You can assess your requirements and applicable premiums using the RPLI calculator and select the most suitable RPLI policy for you and your family.
  • Q: What is the benefit of buying an RPLI policy in 2023?

    Ans: The benefit of buying an RPLI policy in 2023 is that it provides financial security to your loved ones in the event of an eventuality. These plans not only offer loan benefits and large bonuses at low premiums but also provide 100% security as they are offered by the Government. You can use the RPLI calculator to estimate the premiums you would need to pay for the required life cover.
  • Q: How can I calculate the RPLI maturity benefits?

    Ans: You can calculate the maturity benefits offered by RPLI plans using the RPLI maturity calculator. All you need to do is submit details like the sum assured, the age at the time of buying the policy, the name of the policy, and the maturity age of the assured.
  • Q: How is the bonus of RPLI calculated?

    Ans: The bonus of RPLI is calculated every year by the insurer. They declare the bonus applicable for every 1000 of the sum assured. For example, RPLI declared a bonus of Rs. 48 per 1000 of the sum assured per annum. You can also use the RPLI maturity calculator to get an estimate of the maturity amount you would be eligible to receive at the end of the policy term.
  • Q: What is the RPLI policy interest rate?

    Ans: The current applicable RPLI interest rate is 10%, payable every six months.
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