PLI Bonus rates 2026-2027 | Download PLI(Postal Life Insurance) Bonus rates 2026-2027 in PDF
PLI Bonus Declared for FY 2026-27: Government Issues Gazette Notification
The Government of India, Ministry of Communications, Department of Posts, Directorate of Postal Life Insurance (PLI) has officially declared the bonus rates for Postal Life Insurance policies for the Financial Year 2026-27.
Download PLI Bonus rates for fy 2026-2027 in PDF
This announcement has been issued through Gazette Notification No. 12 dated 16.01.2026 (Gazette ID: CG-DL-E-17012026-269411) and communicated vide Directorate letter F. No. 04-01/2025-LI dated 22.01.2026 from the PLI Directorate, Chanakyapuri Post Office Complex, New Delhi.
The bonus has been declared based on the Actuarial Valuation of assets and liabilities of the Post Office Life Insurance Fund (POLIF) as on 31.03.2025, under Rule 3 of the Post Office Life Insurance Rules (2011).
Declared Bonus Rates for FY 2026-27
The Director General Postal Services has declared a Simple Reversionary Bonus on PLI policies on their becoming claims due to death or maturity, at the following rates:
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Whole Life Assurance (WLA)₹76 per thousand of sum assured
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Endowment Assurance (EA)₹52 per thousand of sum assured(including Joint Life and Children Policies)
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Anticipated Endowment Assurance (AEA)₹48 per thousand of sum assured
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Convertible Whole Life Assurance (CWLA)Whole Life bonus rate will be applicable, however upon conversion, the Endowment Assurance bonus rate will apply.
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Terminal Bonus₹20 per sum assured of ₹10,000, subject to a maximum of ₹1000 for Whole Life Assurance and Endowment Assurance policies with a term of 20 years or more.
Effective Date
The declared bonus rates for the Financial Year 2026-27 will be applicable from:
📌 01.04.2026
Interim Bonus
The notification also states that an interim bonus at the same rates will be payable for all claims arising due to maturity or death until the next valuation is completed.
Rounding Off Rule
Bonus amounts will be rounded off as follows:
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Fraction of 50 paise or more will be rounded to the next higher rupee
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Fraction below 50 paise will be ignored
Instructions to Circles and Offices
The PLI Directorate has directed that the notification should be brought to the notice of all concerned for necessary action. The following actions were also requested:
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GM (CEPT) to upload the notification on the India Post website
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DDM-III, PLI Directorate to update the bonus rates in the system
Conclusion
The declaration of bonus for FY 2026-27 provides valuable benefit to policyholders of Postal Life Insurance. The revised bonus rates will apply to eligible policies for claims arising from 01 April 2026 onwards, strengthening the financial value of PLI products for citizens across the country.
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