The declaration of bonuses for Rural Postal Life Insurance (RPLI) policies for the Financial Year (FY) 2025-26 by the Government of India's Ministry of Communications, Department of Posts, Directorate of Postal Life Insurance.
Header: Contains the letterhead of the Directorate of Postal Life Insurance, Chanakyapuri Post Office Complex, New Delhi.File No. & Date: The letter is issued under File No. PLI-04/02/2024-PLI-DOP, dated 25.03.2025.Recipients: Addressed to Heads of Circles, Additional DG APS, Director RAKNPA, Regional PMsG, and Directors PTCs.Subject: Bonus declaration in respect of RPLI.
Content:
Refers to Gazette Notification No. 326 dated 26.11.2024 (Gazette ID - CG-DL-E-06122024-259212) regarding bonus declaration for RPLI policies for FY 2025-26.
Instructs recipients to follow the English version of the Gazette and ignore the Hindi version until a revised Hindi version is issued.
Requests dissemination of the notification to all concerned parties.
Signatory: Girish Chandra Lakhera, Deputy Divisional Manager - I.
Header: Ministry of Communications, Department of Posts, Directorate of Postal Life Insurance.
File No.: PLI-04/2/2024-PLI-DOP.
Content: Declares the Reversionary Bonus rates for RPLI policies based on Rule 3 of the Post Office Life Insurance Rules (2011) and actuarial valuation.
Lists the bonus rates per thousand of sum assured for different policy types:
- Whole Life Assurance (WLA): Rs. 60
- Endowment Assurance (EA): Rs. 48
- Anticipated Endowment Assurance (AEA): Rs. 45
- Convertible Whole Life Assurance (CWLA): Whole Life rate initially, Endowment rate post-conversion.
- Terminal Bonus: Rs. 20 per Rs. 10,000 sum assured, capped at Rs. 1000 for policies with terms of 20+ years.
- Specifies applicability from 01.04.2025 and mentions interim bonus for claims before future valuation.
- Rounding rules: Fractions ≥50 paisa rounded up, <50 paisa ignored.
- Signatory: Kalpana Singh, Chief General Manager (PLI).
- Footer: Indicates publication details by the Government of India Press and Controller of Publications, Delhi.
Government of India
Ministry of Communications, Department of Posts
DIRECTORATE OF POSTAL LIFE INSURANCE
Chanakyapuri Post Office Complex, Chanakyapuri, New Delhi-110021
To,
1. All Heads of Circles
2. Addl DG APS
3. Director, RAKNPA
4. All Regional PMsG
5. All Directors PTCs
Subject: Bonus declaration in respect of RPLI - reg.
Respected Madam/Sir,
Kindly find attached Gazette Notification No. 326 dated 26.11.2024 (Gazette ID - CG-DL-E-06122024-259212) regarding Bonus declaration on RPLI policies for FY 2025-26 for information and necessary action please.
2. The Hindi version of the Gazette may be ignored, and the English version be followed for all purposes. The revised Hindi version of the Gazette will follow.
3. The Notification may be brought to the notice of all concerned.
(Girish Chandra Lakhera)
Deputy Divisional Manager - I
MINISTRY OF COMMUNICATIONS
(Department of Posts)
(DIRECTORATE OF POSTAL LIFE INSURANCE)
F. No PL1-04/2/2024-PLI-DOP.-In exercise of powers conferred vide Rule 3 of Post Office Life Insurance Rules (2011) and on the basis of Actuarial Valuation of the assets and liabilities of Rural Post Office Life Insurance Fund, the undersigned hereby declares Reversionary Bonus on the Rural Postal Life Insurance Policies on their becoming claims, due to death or maturity at the following rates -
|Type of Insurance Policy|Rate of Bonus|
|i.Whole Life Assurance (WLA)|Rs. 60/- per thousand of sum assured|
|ii.Endowment Assurance (EA) (including Children policy)|Rs. 48/- per thousand of sum assured|
|iii.Anticipated Endowment Assurance (AEA) (including Gram Priya policies)|Rs. 45/- per thousand of sum assured|
|iv.Convertible Whole Life Assurance (CWLA)|Whole Life Bonus rate would be applicable, but on conversion, Endowment Assurance bonus rate will be applicable.|
|v.Terminal Bonus|Rs. 20/- per sum assured of Rs. 10,000/-, subject to maximum of Rs.1000 for Whole Life Assurance and Endowment Assurance policies with term of 20 years or more.|
The rates of Bonus mentioned above for the Financial Year 2025-26 will be applicable from 01.04.2025. Interim Bonus at the rates mentioned above will also be payable for all claims arising due to maturity or death until future valuation is completed.
The amount of Bonus involving a fraction of 50 paisa or more shall be rounded off to the next higher Rupee and fraction below 50 paisa shall be ignored.
KALPANA SINGH, Chief General Manager (PLI)
Uploaded by Dte. of Printing at Government of India Press. Ring Road. Mayapuri. New Delhi-110064 and Published by the Controller of Publications. Delhi-110054.
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