PLI बोनस दरें 2026-27: पोस्टल लाइफ इंश्योरेंस पॉलिसी पर रिवर्सनरी बोनस की घोषणा की गई
The Government of India, Ministry of Communications, Department of Posts has issued an official Gazette Notification dated 14 January 2026, announcing the Reversionary Bonus rates for Postal Life Insurance (PLI) policies for the financial year 2026–27. This bonus applies to all PLI policies that become claims due to maturity or death during the financial year.
- Authority: As per Rule 3 of the Post Office Life Insurance Rules, 2011
- Based on: Actuarial Valuation of POLIF (Post Office Life Insurance Fund) as on 31.03.2025
- Issued by: Director General Postal Services
PLI Bonus Rates for 2026–27
The Gazette Notification lists the bonus rates applicable to different Postal Life Insurance policy types. These rates are provided on a per ₹1,000 of Sum Assured basis.
| Type of PLI Policy | Bonus Rate for FY 2026–27 |
|---|---|
| Whole Life Assurance (WLA) | ₹76 per ₹1,000 of Sum Assured |
| Endowment Assurance (EA) (including Joint Life & Children Policies) | ₹52 per ₹1,000 of Sum Assured |
| Anticipated Endowment Assurance (AEA) | ₹48 per ₹1,000 of Sum Assured |
| Convertible Whole Life Assurance (CWLA) | WLA Bonus Rate applies. On conversion, EA Bonus Rate applies. |
| Terminal Bonus | ₹20 per ₹10,000 of Sum Assured (Max ₹1,000) Applicable to WLA & EA policies with a term of 20 years or more. |
Applicability of the Bonus
The bonus rates declared will be effective for the entire Financial Year 2026–27 beginning from 01 April 2026. The same bonus rates will also apply as Interim Bonus to all PLI claims arising due to:
Maturity of the policy
Death of the policyholder: Claims filed before the next actuarial valuation is completed. This ensures uninterrupted and uniform benefit computation for PLI policyholders.
Bonus Rounding Rule
As per the notification (Page 2): Any bonus amount with 50 paisa or more is rounded up to the next rupee. Any amount below 50 paisa is ignored.
What This Means for PLI Policyholders
The announcement of the Reversionary Bonus for FY 2026–27 continues the long-standing benefit structure under Postal Life Insurance. PLI remains a highly trusted savings and life insurance instrument, especially for Government employees. The declared bonus rates reinforce PLI’s stability and provide assured returns to policyholders and their families in case of maturity or death.
The structured bonus – especially for Whole Life, Endowment, and Anticipated Endowment policies—offers reliable financial support and enhances the overall maturity value of PLI schemes.
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