Sunday, December 7, 2025

PLI Calculator - Postal Life Insurance Calculator

PLI Endowment Assurance (Santosh) Calculator

Calculate premium, maturity value, bonus, and returns for Postal Life Insurance Santosh policy

Enter your date of birth as per official documents

Selected: 55 years

Choose maturity age between 35 and 60 years

Selected: ₹10,00,000

Minimum ₹20,000 - Maximum ₹50,00,000 (in multiples of ₹10,000)

Calculating your policy details...

Frequently Asked Questions

What is PLI Endowment Assurance (Santosh) Policy?

PLI Endowment Assurance (Santosh) is a government-backed life insurance policy that provides both maturity benefits and death benefits. It guarantees a lump-sum payout including the sum assured and accrued bonuses whether the policyholder survives the term or dies during it.

Who can invest in PLI Santosh policy?

Eligible individuals include government employees, PSU staff, bank employees, teachers, professionals (doctors, engineers, CAs), employees of listed companies, and members of registered cooperative societies.

What are the age limits for Santosh policy?

Entry age: 19 to 55 years. Maturity age options: 35, 40, 45, 50, 55, 58, or 60 years. Minimum policy term is 5 years.

What is the bonus rate for Santosh policy?

Current bonus rate is ₹52 per ₹1,000 sum assured per year. Terminal bonus of ₹20 per ₹10,000 sum assured (maximum ₹1,000) for policies with term 20 years or more.

Are there any tax benefits?

Yes, premiums qualify for tax deduction under Section 80C of Income Tax Act. Maturity benefits are tax-exempt under Section 10(10D) as per prevailing laws.

About This Calculator

This PLI Calculator is designed to help you estimate the premium, maturity value, bonuses, and returns for Postal Life Insurance Endowment Assurance (Santosh) policy.


Disclaimer: This calculator provides estimates based on current PLI rules and bonus rates. Actual policy values may vary based on government notifications and individual circumstances. Please consult with your local post office for exact calculations and policy details.


All calculations are based on official PLI premium tables and bonus rates as notified by India Post, Ministry of Communications, Government of India.

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