PLI Endowment Assurance (Santosh) Premium Calculator

The Endowment Assurance Plan, popularly known as the Santosh Plan, is one of the flagship policies offered under Postal Life Insurance (PLI). This plan is a perfect blend of insurance and long-term savings, backed by the Government of India. It is designed to offer financial security to policyholders and their families, making it a preferred choice among eligible government and public sector employees.

The PLI Santosh Plan provides a guaranteed sum assured along with annual bonuses. If the policyholder survives the policy term, they receive the maturity amount (sum assured + bonuses). In the event of the policyholder’s unfortunate death during the policy term, the nominee is entitled to the same benefit—offering complete financial protection to the family.

This plan is especially suitable for salaried individuals looking for affordable life insurance with assured returns. Central and state government employees, teachers, defense personnel, and other eligible professionals can benefit from this plan. To help you plan better, we offer a powerful online tool – the PLI Santosh Calculator – that gives accurate premium estimates, bonus projections, and maturity values based on your inputs.

Calculating your premium and maturity benefits under the PLI Santosh Plan is now easier than ever. Our Postal Life Insurance Calculator provides quick and detailed results. Here’s how to use it:

1. Enter your Date of Birth – This helps calculate your current age, which is important for determining your premium.
2. Select the Sum Assured – Choose the amount you wish to insure. The range starts from ₹20,000 and goes up to ₹50,00,000.
3. Choose a Maturity Age – Options include 40, 45, 50, 55, 58, and 60 years. The age you choose will affect the duration of your policy and the premium amount.
4. Click on “Calculate Premium” – Once done, the calculator instantly shows your premium options (monthly, quarterly, half-yearly, and yearly), both with and without GST.

Additionally, the tool provides detailed information on bonus amounts, total premiums paid over the policy term, and the maturity value. Whether you're new to PLI or already planning your investment, this calculator helps make confident financial decisions.

There are many reasons why the PLI Santosh Plan stands out among other life insurance options:

• Guaranteed Benefits – The plan ensures a fixed sum assured plus a bonus on maturity or death, offering peace of mind and financial stability.
• Affordable Premiums – Premium rates under PLI are significantly lower than most private insurance companies.
• Loan Facility – You can avail a loan against your policy after completing 3 years of the policy term.
• Tax Advantages – Premiums paid qualify for tax deductions under Section 80C, and maturity/death benefits are tax-free under Section 10(10D) of the Income Tax Act.
• Government Guarantee – Being a government-backed scheme, PLI offers unmatched trust and security.
• High Bonus Rates – PLI offers generous annual bonuses, which increase the total return over time.

These features make the plan ideal for risk-averse investors looking for consistent, guaranteed returns while also protecting their loved ones financially.

Our PLI calculator is specifically designed for the Endowment Assurance (Santosh) Plan and is one of the most user-friendly tools available online. It offers several unique advantages:

• Real-time Premium Calculation – Instantly know how much you’ll pay monthly, quarterly, half-yearly, or yearly.
• GST Breakdown – See your premium both with and without Goods and Services Tax (GST).
• Bonus Estimation – Based on the latest official bonus rates for PLI.
• Transparent View – Complete breakdown of total premiums paid, maturity value, and returns.
• No Hidden Charges – Everything is calculated and shown clearly with no surprises.

Whether you're planning to invest or comparing different life insurance options, our tool offers everything you need to understand the PLI Santosh policy clearly and make an informed decision.

So, if you're searching for a reliable and easy-to-use Postal Life Insurance Calculator or specifically a PLI Santosh Calculator, you’ve come to the right place. Try it now and take the first step toward smart, safe, and secure financial planning.