PLI Endowment Assurance Calculator

Policy Summary

Entry Age 35 years

Sum Assured ₹1,00,000

Policy Term 5 years

Premium Paying Term 5 years

First Year Premium GST @ 4.5%

Mode	Basic Premium (₹)	Rebate (₹)	Tax (₹)	Net Premium (₹)
Yearly Rebate: 60	20,022	60	898	20,860
Half-Yearly Rebate: 30	10,166	30	456	10,592
Quarterly Rebate: 15	5,148	15	231	5,364
Monthly Rebate: 5	1,720	5	77	1,792

Subsequent Year Premiums GST @ 2.25%

Mode	Basic Premium (₹)	Rebate (₹)	Tax (₹)	Net Premium (₹)
Yearly Rebate: 60	20,022	60	449	20,411
Half-Yearly Rebate: 30	10,166	30	228	10,364
Quarterly Rebate: 15	5,148	15	115	5,248
Monthly Rebate: 5	1,720	5	39	1,754

Maturity Benefits

Benefits	Amount (₹)
Total Premium Paid (in 5 years)	1,02,504
Sum Assured	1,00,000
Bonus (₹5,200 × 5 years)	26,000
Maturity Benefit (After 5 years)	1,26,000

Note: This illustration is based on PLI Endowment Assurance plan with sum assured of ₹1,00,000 for 5 years term. Premiums include GST @4.5% for first year and @2.25% from second year onwards. Rebates are applied as per PLI guidelines. Bonuses are calculated at ₹52 per ₹1,000 sum assured per year. Actual premiums may vary slightly due to rounding.