RPLI POLICY GUIDE

10-Year RPLI (Gram Priya)

A fixed 10-year Rural Postal Life Insurance money-back plan with survival benefits during the term.

Estimate premium, maturity and gainUse the annexure-backed calculator with your age and sum assured.

Calculate Gram Priya →

Plan at a glance

Policy termFixed 10 years

Entry age20 to 45 in the supplied table

Sum assured basisPremium rates are quoted per ₹1,000 sum assured

Premium calculationAge-at-entry table across four payment frequencies

Key policy features

Simple fixed 10-year term
Money back at years 4 and 7
Final 60% benefit with accrued bonus

Maturity and survival benefit

20% after years 4 and 7; 60% plus accrued bonus after year 10. Actual eligibility, bonuses, underwriting and final benefits remain subject to the policy rules and the quotation issued by India Post.

RPLI policyholder checklist

Use this practical RPLI policy checklist after issue and revisit it whenever your contact or nomination details change. Ticking an item is only a personal reminder and does not update India Post records.

Store the original policy bond securely and keep it protected from loss or damage.
Tell a trusted family member or nominee where the policy bond is kept.
Review the policy schedule on the first page and confirm that the recorded details are correct.
Write down the policy number, premium amount and every premium due date in a reliable reminder system.
Save the telephone number and contact details of the post office that services the policy.
Keep the PLI customer support or information-centre details within easy reach.
Notify the post office promptly whenever the postal address, phone number or email address changes.
Pay each premium by its due date even when a premium notice has not arrived.
Confirm that a nominee is registered under the policy and keep the nomination details current.

Based on the customer checklist published by the Department of Posts. For current service instructions, refer to the official PLI or RPLI page.

How the premium estimate works

The calculator matches the selected age, maturity age or term against the supplied premium-table row. It scales the published rate to the chosen sum assured and applies the selected payment frequency, rebate and GST breakdown. If no matching table row is available, the result is explicitly labelled as an indicative estimate.