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RPLI Gram Sumangal Policy

Gram Sumangal is a money-back insurance scheme that is extended by Postal Life Insurance as part of the six schemes under rural postal life insurance. The policy can be bought by those who live outside the municipal boundaries of towns and cities. The RPLI schemes were introduced to facilitate insurance penetration in the country, especially in the rural areas at affordable premiums.

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Gram Sumangal Scheme 

Gram Sumangal is a money-back scheme that offers life insurance cover with survival benefits.  Introduced as an anticipated endowment assurance policy, Gram Sumangal rural postal life insurance scheme is suitable for those looking for periodical returns. The survival benefits shall cease on the death of the policyholder, in which case the entire sum assured amount is offered to the claimants.

Key Features Of Gram Sumangal Policy

  • The policy offers periodic benefits up to a percent of the sum assured on surviving certain policy years. 

  • On the death of the policyholder within the policy term, the assigned nominees or legal heirs can claim the sum assured on death. 

  • The bonus shall be added to the base sum assured at a rate of Rs. 45 per Rs. 1000 sum assured. 

  • If the sum assured is above Rs. 25,000 policyholders have to undergo a medical examination. 

  • Policyholders can choose from a policy term of 15 years or 20 years. 

  • The survival benefits vary as per the selected policy term plan

  • For either policy term chosen, the maturity benefit payable is equal to 40% of the sum assured plus the accrued bonus. 

Eligibility Criteria Of RPLI Gram Sumangal Policy

Policy Term 15 years 20 years
Entry Age Minimum: 19 years
Maximum: 45 years
Minimum: 19 years
Maximum: 40 years
Survival Benefits 6th Year - 20% of the Sum Assured
9th Year - 20% of the Sum Assured
12th Year - 20% of the Sum Assured
15th Year - 40% of the Sum Assured
8th Year - 20% of the Sum Assured
12th Year - 20% of the Sum Assured
16th Year - 20% of the Sum Assured
20th Year - 40% of the Sum Assured
Sum Assured NA Rs. 10 Lakhs

Benefits Offered Under Gram Sumangal Rural Postal Life Insurance Scheme

  • Death Benefit - If the life assured dies within the chosen policy term, Postal Life Insurance is liable to pay the entire sum assured on death along with accrued bonuses. The claimants (assigned nominees or legal heirs) can claim this benefit within 120 days from the date of death of the life assured. 

  • Survival Benefit - The money-back nature of this anticipated endowment assurance policy guarantees periodic payouts on surviving certain policy years. For a 15-year policy term, survival benefits are paid out on the completion of the 6th, 9th, 12th, and 15th policy years. For a 20-year policy term, these benefits are paid out on surviving the 8th, 12th, 16th, and 20th policy years. The first three payouts are equal to 20% of the sum assured each. The last survival benefit payout is done on the date of maturity falling on the 15th or the 20th policy year (per the policy term chosen) and is equal to 40% of the sum assured. 

RPLI Gram Sumangal Policy Calculator

India Post now offers the benefit of calculating premiums against the desired sum assured for its range of rural postal life insurance policies. Buyers can use the Gram Sumangal scheme calculator to get premium quotes prior to buying the policy. This should help them determine if the coverage required is affordable or not. 

How To Use The Gram Sumangal Premium Calculator?

Here is a step-by-step guide on how to use the online Gram Sumangal premium calculator. 

  • Visit the official website of India Post. 

  • Click on Postal Life Insurance. 

  • You will be redirected to an external page. Click on OK to proceed. 

  • Move to ‘Purchase a Policy’ and click on ‘Quote’ from the drop-down menu.

  • Enter the details requested. These include contact details, date of birth, gender, residence, sum assured, etc. 

  • Under Product Type, select RPLI. 

  • Under Product Name, select Gram Sumangal. 

  • Select the Policy Term, viz. 15 years or 20 years. 

  • Enter the letters as shown in the captcha below. 

  • This will give you the monthly, quarterly, half-yearly, and yearly premium quotes against the sum assured opted for. 

  • If you want to calculate again to compare quotes of other policies or change the features, you can scroll down and click on Recalculate. 

  • If not, you can proceed to buy the policy. 

How To Buy Gram Sumangal?

The policy can be bought online as well as offline. For the latter, you can visit your nearest post office branch and submit the relevant documents. To purchase online, follow the steps below:

  • Once you have arrived at a reasonable premium quote (follow the steps above), choose the ‘Select’ option against it. 

  • This takes you to a form wherein you will have to fill in more details about the Insurer and the Proposer. 

  • Click on Next to fill in the correspondence information about where you live and ways to reach you. 

  • The subsequent forms are related to your employment details, nominee assignment, history of insurance, medical history (if any), and base coverage. 

  • Sign the Declaration to proceed to the payment details. 

  • Pay the initial premium installment to start coverage. 

The policy will be issued 10 days from the date of submission of the requisite documents. 

What Are The Documents Required To Purchase Gram Suraksha RPLI?

  • Age proof

  • Address Proof

  • Identity Proof

  • Declaration of Medical Examiner

  • Declaration in case the proposer is illiterate

  • Certificate by DO/FO(PLI)/Agent

  • Certificate by SDI/ASP


  • How is Gram Sumangal different from Gram Suraksha?

    Gram Sumangal offers money-back survival benefits, unlike Gram Suraksha. Further, the policy features vary with each plan. The maximum entry age for Gram Sumangal is 45 years, whereas it is 55 years for Gram Suraksha. The latter offers pre-fixed options in the premium ceasing age, unlike Gram Sumangal. 
  • Who can buy the Gram Sumangal rural postal life insurance policy?

    Anyone residing in the rural areas of the country that is outside the municipal boundaries of cities can buy this policy. 
  • Can I buy Gram Sumangal online?

    Gram Sumangal can be bought online from the website of India Post or from the official mobile application called Postinfo. 
  • What is the Gram Sumangal policy calculator?

    The Gram Sumangal policy calculator is an online tool that lets users estimate premiums against their desired coverage. The tool offers instant results at no charge. This premium calculator is designed to facilitate easier decision-making in terms of financial planning related to life insurance.
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