Rural Postal Life Insurance (RPLI) was introduced in 1995 to provide insurance cover to the rural public of India. It offers the most affordable premiums in the market with high bonus rates, making it the perfect choice for rural families, women, and physically handicapped persons.

Key Benefits of RPLI   

  • Low Premium: Designed specifically for rural income levels.
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  • Government Security: 100% safe investment backed by the Government of India.
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  • Convenience: Premiums can be paid at any Branch Post Office in the village.
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  • Loan Facility: Loans available after 3 years (Endowment) or 4 years (Whole Life).

    • RPLI Bonus Rates (2025-2026)

    RPLI bonuses are declared annually by the Department of Posts. The current rates are:

       
    Plan NameBonus Rate (per ₹1,000 Sum Assured)
    Gram Suraksha (Whole Life)₹60
    Gram Santosh (Endowment)₹48
    Gram Sumangal (Anticipated Endowment)₹45
    Gram Priya (10 Year RPLI)₹45


    Popular RPLI Schemes

    1. Gram Suraksha (Whole Life Assurance)

    The policyholder pays premiums up to age 55, 58, or 60. The full Sum Assured + Bonus is paid to the nominee upon death, or to the insured at age 80. Maximum Sum Assured: ₹10 Lakhs.

    2. Gram Santosh (Endowment Assurance)

    The best plan for savings. You get the money back with bonus at a specific age (35, 40, 45, 50, 55, 58, or 60). Ideal for planning children's education or marriage.

    3. Gram Priya (10 Year RPLI)

    A short-term plan for 10 years. Survival benefit (money back) is paid periodically during the term to meet specialized needs. Ideal for those who need regular cash flow.

    Who Can Join?

    Any person residing in a rural area in India (as per latest census) is eligible. Women and physically handicapped persons are given special encouragement.