Grama Suvidha Rural Postal Life Insurance Scheme (RPLI)

The primary aim of Gram Suvidha or RPLI is to offer insurance coverage to rural communities, with a focus on weaker sections and female workers, while also fostering insurance literacy among rural residents.
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3 min
10-February-2026

Gram Suvidha is a convertible whole life insurance policy under the Rural Postal Life Insurance scheme that provides life coverage up to the chosen sum assured. The coverage continues until the policyholder reaches the maturity age, provided all premiums are paid on time. No medical examination is required if the insured is below 35 years of age and the sum assured is Rs. 25,000 or less.

What is Rural Postal Life Insurance (RPLI)?

Given below is a brief overview of RPLI Gram Suvidha:

Aspect

Details

Scheme name

RPLI Gram Suvidha Scheme

Eligibility

Rural residents, individuals aged 19 to 55 years

Sum assured

Ranges from Rs. 10,000 to Rs. 10 lakh

Policy term

5 to 15 years

Premium payment

Monthly, quarterly, half-yearly, or yearly

Benefits

Life cover, maturity benefits, and surrender value

Tax benefits

Premiums eligible for tax deduction under Section 80C

 

What is RPLI?

Rural Postal Life Insurance or RPLI, also known as Gram Suvidha, was introduced on March 24, 1995, to cater to the rural populace of India. In 1993, the Malhotra Committee highlighted that merely 22% of the insurable population was covered, with life insurance funds comprising just 10% of gross household savings. Consequently, the Government endorsed the committee's recommendations, enabling Postal Life Insurance to expand its reach to rural regions due to the extensive network of Post Offices and cost-effectiveness. The primary aim of Gram Suvidha or RPLI is to offer insurance coverage to rural communities, with a focus on weaker sections and female workers, while also fostering insurance literacy among rural residents.

What is Convertible Whole Life Assurance?

A convertible whole life insurance policy allows the original whole life coverage to be transformed into an endowment assurance policy after a specified period. With Gram Suvidha, this conversion to endowment assurance is possible after completing 5 policy years, combining the advantages of Gram Suraksha (whole-life insurance) and Gram Santosh (endowment assurance). Initially, you receive the benefits of whole-life insurance, with the option to convert after 5 years. It's important to note that if the policy isn't converted within 6 years of its term, it will remain a whole life insurance policy exclusively.

If you are looking to buy a life insurance policy, then you can check the policies available at the Bajaj Finance Insurance Mall.These policies provide comprehensive life cover at affordable premiums.

What are Key Features Of Convertible Whole Life Policy - Gram Suvidha

Feature

Description

Target Audience

Designed specifically for rural populations, including weaker sections and female workers.

Coverage

Offers a range of life insurance products tailored to rural needs.

Accessibility

Utilizes the extensive network of Post Offices to ensure easy access in rural areas.

Affordability

Cost-effective insurance options to suit the financial capacities of rural residents.

Tax benefits

Policies are eligible for tax benefits under Section 80C of the Income Tax Act.

Flexible premium payment

Provides options for flexible premium payment schedules to accommodate varying income levels.

Financial inclusion

Aims to increase insurance penetration and financial literacy in rural communities.


Major Benefits Offered Under RPLI Gram Suvidha Policy

The RPLI Gram Suvidha Policy offers the dual advantage of lifelong coverage and the flexibility of conversion, making it one of the most versatile RPLI policies for rural citizens. It’s designed to meet both protection and savings needs with minimal eligibility restrictions and long-term benefits.

Benefits before policy conversion (Whole Life Insurance)

  • Offers life cover until maturity age as long as premiums are paid regularly.
  • No medical test required if sum assured is ₹25,000 or less and age is below 35.
  • Premiums remain low in early years due to whole life structure.
  • Suitable for individuals seeking long-term financial security without immediate savings goals.

Benefits after policy conversion (Endowment Assurance)

  • Converts to a savings-oriented plan with lump sum payout on maturity or earlier death.
  • Offers guaranteed returns along with life cover, ideal for future financial planning.
  • Eligible for bonus additions as per applicable Endowment Policy norms.
  • Best suited for policyholders aiming to build a secure financial corpus over time.

Given below are the key features and benefits of Gram Suvidha:

  • Coverage will be provided up to the sum assured amount along with accrued bonus until maturity age is reached.
  • In the event of death, the assigned individual, nominee, or legal heir receives the full sum assured amount along with accrued bonus.
  • Option to convert the policy into an Endowment Assurance plan available after 5 years, but no later than 6 years from policy inception. Failure to convert results in the policy being treated as a Whole Life Assurance.
  • Loan facility accessible after 4 years.
  • Surrender option available after 3 years.
  • Insurance policies offered through PLI provide tax benefits, primarily under Section 80C.
  • A Duplicate Policy Bond can be issued with a simple application if the original Policy Bond is lost, damaged, burnt, torn, or mutilated.
  • Bonus is not applicable if the policy is surrendered before completing 5 years.

Eligibility criteria for Gram Suvidha

Discussed below are the basic eligibility details for Convertible Whole Life Assurance (Gram Suvidha):

Aspect

Age eligibility

Minimum age at entry

19 years

Maximum age at entry

55 years

Maturity age for the whole life

80 years


Coverage and premium for Gram Suvidha

Given below are the coverage details of Gram Suvidha:

Minimum sum assured

Rs. 20,000

Maximum sum assured

Rs. 50 lakh

Bonus

Rs. 76 per Rs. 1,000 per year

This is for whole life assurance policy if not converted to Endowment Assurance


The monthly premium to be paid on coverage for Rs 5,000 with a payout upon death, alongside the opportunity to convert the policy into an Endowment Assurance plan at the end of 5 years from the start, with maturity at a specified age, under the Gram Suvidha scheme, is given below:

Entry age (in years)

Monthly premium to be paid for the first 5 years and thereafter if the option is not exercised but ceasing at the age of 60 (in Rs.)

19-20

7

21-24

8

25-28

9

29-30

10

31-32

11

33-34

12

35-36

13

37

14

38

15

39-40

16

41

17

42

18

43

19

44

21

45

22

46

24

47

26

48

28

49

30

50

33

 

Documents required for rural Postal Life Insurance policy issuance

Given below is the list of documents required for issuing Rural Postal Life Insurance Gram Suvidha Policy:

  • Valid proof of age. In case a valid age proof is not available, you can present any of the following documents:
    • Self-declaration attested by Panchayat member/Gram Pradhan.
    • Medical officer’s appropriate age certificate.
    • Voter ID bearing age.
    • Aadhar card

How to buy RPLI Gram Suvidha?

Given below are the steps to buy RPLI Gram Suvidha:

  • Visit your local post office: Start by visiting your nearest post office, where you can get detailed information about the Gram Suvidha policy and obtain an application form.
  • Complete the application: Fill out the application form with required personal details and choose the Gram Suvidha plan that best suit your needs.
  • Submit documents: Provide necessary documents, such as identity proof and address proof, along with your completed application form.
  • Pay premium: Make the initial premium payment at the post office. Various payment methods may be available.
  • Receive policy bond: Once processed, you will receive your Gram Suvidha policy bond. Ensure you keep it safe for future reference.

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Rural Postal Life Insurance customer guide

  • Understanding policies: Familiarise yourself with the different types of policies available under Rural Postal Life Insurance, including life cover and savings plans.
  • Application process: Visit your local post office to obtain and submit an application form. Ensure all required documents are provided.
  • Premium payments: Make timely premium payments at your nearest post office to keep your policy active. Various payment options may be available.
  • Claim procedures: In case of a claim, contact your post office or visit the official Rural Postal Life Insurance website for detailed instructions and required documentation.
  • Policy benefits: Review the benefits of your policy, including coverage amount, tax benefits under Section 80C, and any additional features.
  • Customer support: For assistance or queries, reach out to customer support at your local post office or visit the official website.

Other Postal Life Insurance (PLI) policies

Given below are basic details about a few other Postal Life Insurance (PLI) policies:

Scheme name

Age eligibility

Minimum sum insured (in Rs.)

Maximum sum insured (in Rs.)

Loan facility

Surrender

Whole Life Assurance (Suraksha)

19-55 years

20,000

50 lakh

After 4 years

After 3 years

Endowment Assurance (Santosh)

19-55 years

20,000

50 lakh

After 3 years

After 3 years

Joint Life Assurance (Yugal Suraksha)

21-45 years

20,000

50 lakh

After 3 years

After 3 years


Bonus rates for Rural Postal Life Insurance Scheme for 2026-27

As per March 2024, the bonus rates for Gram Suvidha have been given below:

Category

Bonus

Whole Life Assurance (WLA)

Rs. 60 per thousand of sum assured

Endowment Assurance (EA) (including Children policy)

Rs. 48 per thousand of sum assured

Anticipated Endowment Assurance (AEA) (including Gram Priya policies)

Rs. 45 per thousand of sum assured

Convertible Whole Life Assurance (CWLA)

Rs. 60 per thousand of sum assured

In case of conversion, Rs. 48 per thousand of sum assured

Terminal bonus

Rs. 20 per sum assured of Rs. 10,000


Tax benefits under Rural Postal Life Insurance

Premiums paid towards Rural Postal Life Insurance (RPLI) policies qualify for tax deductions under Section 80C of the Income Tax Act, up to Rs. 1.5 lakh annually. Additionally, the maturity amount is tax-free under Section 10(10D), subject to specific conditions being met.

How to enrol for Gram Suvidha?

You can follow the steps given below to apply for Gram Suvidha:

Step 1: Visit the official India Post website (indiapost.gov.in/VAS/Pages/IndiaPosthome.aspx).

Step 2: Click on the ‘Postal Life Insurance’ option. You will be redirected to a new webpage.

Step 3: Then click on ‘Purchase a policy’, followed by ‘Quote.’

Step 4: Fill in the application form. You will have to fill in your mobile number, name, email address, date of birth, gender, occupation and state. Apart from this, you also need to add a few policy details like product type, product name and sum assured. Enter the captcha and click on ‘Get Quote.’

Step 5: After filling in all the requested information, the premium details will appear on the screen. You can proceed to payment and complete the buying process through the rural postal life insurance online payment system.

Overall, buying life insurance or health insurance and provide financial aid in times of medical emergencies which may also result in loss of life or livelihood.

How to surrender a Rural Postal Life Insurance Policy?

To surrender a Rural Postal Life Insurance (RPLI) policy, visit the nearest post office with your original policy bond, identity proof, and a filled surrender form. The policy should have completed the minimum lock-in period—usually 3 years. Upon approval, the surrender value is credited to your registered bank account.

How to claim for Rural Postal Life Insurance?

To claim benefits under an RPLI policy, submit a duly filled claim form, the original policy document, KYC proofs, and a cancelled cheque at the nearest post office. You can also perform a rural postal life insurance policy status check online via the India Post Insurance portal to track your claim progress.

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Frequently asked questions

How do I check my RPLI policy details?

To check your Rural Postal Life Insurance (RPLI) policy details, visit the official India Post website and log in to your account. Navigate to the 'Policy Details' section. Alternatively, you can use the India Post Mobile Banking app or visit the nearest post office for assistance.

What is the maturity amount of RPLI?

The maturity amount of Rural Postal Life Insurance (RPLI) policies varies based on the plan chosen, premium paid, and policy duration. It typically includes the sum assured and bonuses accrued over the policy term, payable upon maturity or policyholder's demise.

Which plan rules will be applicable if the Suvidha plan is not converted?

If the Suvidha plan is not converted, the rules and terms of the original term insurance policy will continue to apply until its maturity or until the policyholder's demise, determining benefits and coverage as specified in the policy contract.

What are the benefits of rural postal life insurance?

The benefits of Rural Postal Life Insurance (RPLI) include affordable premiums, coverage options tailored for rural areas, tax benefits under Section 80C of the Income Tax Act, and the assurance of financial security for policyholders and their families.

What are the age criteria to enter buy Gram Suvidha?

The age criteria for purchasing the Gram Suvidha policy range from 19 to 55 years. Applicants within this age bracket are eligible to buy the policy and benefit from its features and coverage.

Can Gram Suvidha be purchased online?

Yes, the Gram Suvidha policy can be purchased online. The Rural Postal Life Insurance (RPLI) provides an online platform for individuals to apply for and buy the Gram Suvidha policy conveniently.

Who can buy the Gram Suvidha policy?

The Gram Suvidha policy is available to rural residents. It can be bought by individuals living in rural areas who meet the age criteria of 19 to 55 years and wish to secure life insurance coverage.

How can I check my RPLI policy status?

You can check your RPLI (Rural Postal Life Insurance) policy status through multiple convenient methods. Visit the official India Post Life Insurance website at pli.indiapost.gov.in, log in with your policy number and registered credentials, and view your policy details, premium payment status, and maturity date. Alternatively, you can check your status by visiting your nearest post office or contacting their customer care with your policy number for offline assistance.

What is the maximum amount of RPLI?

The maximum sum assured under RPLI policies varies by plan. Generally, it can range up to Rs. 10 lakh, depending on the specific policy and coverage options chosen.

Is RPLI tax free?

RPLI policies offer tax benefits under Section 80C of the Income Tax Act. However, the maturity proceeds may be subject to tax if they exceed certain limits or conditions.

Can RPLI be paid online?

Yes, RPLI premiums can be paid online through the India Post website or various digital payment platforms, offering convenience for policyholders to manage their payments.

Which plan rules will be applicable if Gram Suvidha is converted into an endowment policy?

If Gram Suvidha is converted into an endowment policy, the rules of the endowment plan, including premium amounts, policy term, and maturity benefits, will apply as per the terms of the new policy.

How to pay RPLI online?

You can pay your Rural Postal Life Insurance (RPLI) premium online using the following convenient channels:

  • Postinfo mobile app: Download from the Play Store/App Store, log in with Customer ID, go to Insurance → Payments, select your policy, and pay
  • IPPB mobile banking app: Use India Post Payments Bank app under DoP Product Payments to pay via IPPB account, UPI, or QR
  • India Post portal: Use the PLI customer portal to log in and pay via net banking, debit/credit card, UPI, etc

What is the current interest/bonus rate for RPLI?

For the financial year 2025–26, the RPLI reversionary bonus rates are:

  • Whole Life Assurance (WLA): Rs. 60 per Rs. 1,000 sum assured
  • Endowment Assurance (EA): Rs. 48
  • Anticipated Endowment Assurance (AEA): Rs. 45
  • Terminal bonus: Rs. 20 per Rs. 10,000 sum assured (max Rs. 1,000)

Which methods can be used for paying RPLI premium online?

You have multiple secure online payment options:

  • IPPB services: including mobile app, counters, micro-ATM, QR payments, AePS, IMPS/NEFT/RTGS, debit/credit card, and UPI
  • PLI customer portal: via net-banking, UPI, debit/credit card, Quick Pay for first instalment .
  • Standing instructions/NACH: Auto-debit from your bank or IPPB account

What are the age criteria to enter buy Gram Suvidha?

To buy Gram Suvidha, the age eligibility criteria typically require the applicant to be at least 18 years old and legally competent to enter into a financial agreement. This ensures you are legally eligible to hold and manage the account or services offered under Gram Suvidha.

If you’re referring to a specific Gram Suvidha program (e.g., a government welfare scheme or a bank service), the exact age requirements may vary, so it’s best to chck the official eligibility guidelines for that particular offering.

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