Post office Pli Maturity Calculator – Updated

Post Office PLI Maturity Calculator 2026: Quick & Easy Maturity Calculation Guide

Postal Life Insurance (PLI), also called Post Office Life Insurance, is a secure, government-backed scheme with low premiums and high bonuses. As of January 2026, use the Post Office PLI Maturity Calculator to estimate your payout (sum assured + bonuses) accurately.

Bonus rates for FY 2025-26 (effective April 1, 2025) remain stable per the latest gazette notification:

Latest PLI Bonus Rates (FY 2025-26)

• Whole Life Assurance (Suraksha / WLA): ₹76 per ₹1,000 sum assured per year
• Endowment Assurance (Santosh / EA) (including Joint Life & Children): ₹52 per ₹1,000
• Anticipated Endowment (Sumangal / AEA): ₹48 per ₹1,000
• Terminal Bonus (policies ≥20 years): ₹20 per ₹10,000 sum assured (max ₹1,000)

These rates apply to maturity/death claims in FY 2025-26.

Simple Maturity Formula

Maturity Amount = Sum Assured + Reversionary Bonus + Terminal Bonus (if eligible)

Reversionary Bonus = (Sum Assured / 1,000) × Bonus Rate × Term (years)

Example 1: Santosh Endowment (Most Popular)

• Sum Assured: ₹10,00,000
• Term: 25 years
• Bonus Rate: ₹52

Reversionary Bonus = (10,00,000 / 1,000) × 52 × 25 = ₹13,00,000 Terminal Bonus: ₹1,000 (capped) Total Maturity ≈ ₹23,01,000 (approx. 2.3x your investment)

Example 2: Suraksha Whole Life

• Sum Assured: ₹5,00,000
• Term: 30 years
• Bonus Rate: ₹76

Reversionary Bonus = (5,00,000 / 1,000) × 76 × 30 = ₹11,40,000 Terminal Bonus: ₹1,000 Total Maturity ≈ ₹16,41,000

Use Online PLI Maturity Calculator (2026)

India Post doesn’t offer an official interactive tool on pli.indiapost.gov.in (check customer portal for policy estimates). Reliable third-party calculators use official rates:

Post office Pli Maturity Calculator

OR 

• pli-calculator.in
• plicalculator.com
• postallifeinsurance.net

Quick Steps:

1. Choose plan type
2. Enter age at entry, term/maturity age, sum assured (₹20,000–₹50 lakh)
3. Get instant results: premium, total investment, bonus, maturity value, returns %

Bonus: Premiums qualify for 80C deduction; maturity is tax-free u/s 10(10D). No GST on PLI premiums since Sept 2025!

Why PLI in 2026?

• Highest bonuses in India (government-guaranteed)
• Safe, no market risk
• Loan facility after 3–4 years
• Ideal for govt/PSU employees, professionals, long-term savers

The Post Office PLI Maturity Calculator helps you plan smartly. Use one today or visit your post office for exact details.