RPLI Gram Priya Calculator - 10-Year Money Back
Calculate 10-Year Money Back Policy premiums, periodic survival cashbacks (20%, 20%, 60%), and returns at ₹47/1K SA bonus rate.
RPLI Gram Priya (10-Year Money Back) Calculator
10-Year Money Back Policy (Gram Priya) provides periodic survival cashbacks and life cover with high bonus accrual.
Ready to Calculate Your Gram Priya Money Back Quote
Fill in your date of birth, coverage sum assured, and payment mode above, then click "Calculate Premium & Money-Back Benefits" to view your results.
All RPLI Calculators
Explore and calculate instant quotes for all official Rural Postal Life Insurance plans
ENDOWMENT ASSURANCE
Fixed maturity age with high annual bonus accruals.
WHOLE LIFE ASSURANCE
Lifelong cover up to age 80 with maximum ₹60 bonus.
CONVERTIBLE WHOLE LIFE
Whole life policy with option to convert after 5 years.
ANTICIPATED ENDOWMENT
Money-back plan with survival benefits at regular...
10-YEAR MONEY BACK
Short 10-year term with periodic returns at 4th, 7th...
CHILDREN POLICY
Life insurance cover for children with premium...
Compare RPLI Schemes Side-by-Side
Not sure which postal policy fits your family's needs? Select any two schemes below to compare bonus rates, maturity payouts, loan rules, and suitability instantly.
Full RPLI Portfolio Reference Matrix
Quick comparison of all 6 schemes side-by-side
| Scheme Name | Policy Type | Bonus Rate | Entry Age | Loan Facility | Action |
|---|---|---|---|---|---|
| Gram Santosh | Endowment Assurance (EA) | ₹ 48 / ₹1k | 19 to 55 Years | Available after 3 Years | Calculate → |
| Gram Suraksha | Whole Life Assurance (WLA) | ₹ 60 / ₹1k | 19 to 55 Years | Available after 4 Years | Calculate → |
| Gram Suvidha | Convertible Whole Life (CWLA) | ₹ 60 / ₹ 48 / ₹1k | 19 to 45 Years | Available after 4 Years (3 yrs if converted) | Calculate → |
| Gram Sumangal | Anticipated Endowment (Money Back) | ₹ 45 / ₹1k | 19 to 45 Yrs (15-Yr) / 19 to 40 Yrs (20-Yr) | Not Available (Periodic Cashbacks) | Calculate → |
| Gram Priya | 10-Year Rural Money Back | ₹ 45 / ₹1k | 20 to 45 Years | Not Available (Periodic Cashbacks) | Calculate → |
| Bal Jeevan Bima | Children Life Insurance | ₹ 48 / ₹1k | Child: 5 to 20 Yrs | Parent: Up to 45 Yrs | Not Available | Calculate → |
Rural Postal Life Insurance - Gram Priya RPLI10
Gram Priya (10-Year RPLI Money Back Policy - RPLI10) is a short-term money back insurance policy introduced under Rural Postal Life Insurance (RPLI) on March 24, 1995. Designed for rural proponents requiring quick liquidity turnaround, it pays 20% SA cashbacks at 4th and 7th year, and 60% SA plus accrued bonus at 10th year maturity with full death protection.
100% Sovereign Guarantee
All sum assured policies and accrued bonuses are 100% guaranteed by the Government of India.
Declared Bonus Rate
Declared annual bonus rate of ₹47 per ₹1,000 Sum Assured per year on total coverage.
10-Year Fast Cashbacks
Periodic 20% SA cashbacks at 4th & 7th year + 60% SA & 100% bonus at 10th year.
Natural Calamity Relief
0% interest charged up to 1 year on premium arrears during floods, droughts & earthquakes.
How It Works
Calculate your Gram Priya premium and survival cashbacks in 4 simple steps.
Select Scheme & DOB
Choose Gram Priya and enter your date of birth (Entry age: 20–45 yrs).
Set Sum Assured
Select coverage sum assured from ₹10,000 up to ₹10 Lakhs maximum.
Choose Frequency
Select Monthly, Quarterly, Half-Yearly, or Yearly payment frequency.
View Quote
Get immediate net premium, 20%/20%/60% cashbacks, and ₹47/1K SA bonus.
Detailed Overview of RPLI Gram Priya Calculator
The RPLI Gram Priya Calculator is an official online financial estimation utility engineered to compute exact net premiums, sum assured rebate discounts, periodic survival cashbacks, and guaranteed maturity returns for the Gram Priya (10-Year Money Back Policy - RPLI10) scheme administered by India Post (Department of Posts, Ministry of Communications, Government of India).
Gram Priya is tailored specifically for rural proponents who desire short-term financial commitment coupled with periodic liquidity every few years. Featuring a declared annual bonus rate of ₹47 per ₹1,000 Sum Assured per year, automatic sum assured rebate discounts of ₹1.00 per ₹20,000 SA, and 0% NIL GST exemption, this policy delivers fast liquidity without compromising full death risk protection.
What is Gram Priya 10-Year Money Back Policy under Rural PLI
Gram Priya is an Anticipated Endowment Assurance policy specifically structured for a fixed duration of 10 Years. Proponents aged between 20 and 45 years can enroll with coverage ranging from ₹10,000 to ₹10,00,000.
Unlike traditional long-term endowment plans where benefits are locked until maturity, Gram Priya releases periodic cashback installments directly to policyholders: 20% Sum Assured at the end of 4 years, 20% Sum Assured at the end of 7 years, and remaining 60% Sum Assured + 100% accrued bonus at maturity (end of 10 years). In addition, in the event of unforeseen demise, the nominee receives 100% Sum Assured plus accrued bonus without any deduction of past cashbacks!
How to Calculate RPLI Gram Priya Premium, Bonus & Cashbacks?
1. Premium & Rebate Formula
Official Actuarial RateGross Monthly Premium = (Sum Assured / 1,000) × Base Rate
Monthly Rebate = Floor(Sum Assured / 20,000) × ₹1.00
Net Monthly Premium = Gross Monthly Premium - Monthly Rebate
2. Bonus & Money Back Payout Formula
Declared Rate: ₹47/1K SAAnnual Bonus = (Sum Assured / 1,000) × ₹47
Total Accrued Bonus = Annual Bonus × 10 Years
Final Payout = (60% × Sum Assured) + Total Accrued Bonus
- End of 4th Year (1st Survival Cashback): 20% Sum Assured
- End of 7th Year (2nd Survival Cashback): 20% Sum Assured
- End of 10th Year (Final Maturity Payout): 60% SA + 100% Accrued Bonus
Gram Priya Calculation Example & Policy Returns Schedule
Illustration for an insurant entering Gram Priya at Age 21 with ₹ 1,00,000 Sum Assured for a 10-year policy duration:
| Parameter | Monthly | Quarterly | Half-Yearly | Yearly |
|---|---|---|---|---|
| Gross Premium | ₹ 955.00 | ₹ 2,860.00 | ₹ 5,715.00 | ₹ 11,435.00 |
| Sum Assured Rebate | ₹ 5.00 | ₹ 15.00 | ₹ 30.00 | ₹ 60.00 |
| Net Premium Payable | ₹ 950.00 | ₹ 2,845.00 | ₹ 5,685.00 | ₹ 11,375.00 |
| Total Premiums Paid (10 Yrs) | ₹ 1,14,000 | ₹ 1,13,800 | ₹ 1,13,700 | ₹ 1,13,750 |
| Accrued Bonus (@ ₹47/1K) | ₹ 47,000 | ₹ 47,000 | ₹ 47,000 | ₹ 47,000 |
| Survival Cashbacks (Yr 4 + Yr 7) | ₹ 40,000 | ₹ 40,000 | ₹ 40,000 | ₹ 40,000 |
| Final Maturity Payout (60% SA + Bonus) | ₹ 1,07,000 | ₹ 1,07,000 | ₹ 1,07,000 | ₹ 1,07,000 |
| Total Benefit (MB + Maturity) | ₹ 1,47,000 | ₹ 1,47,000 | ₹ 1,47,000 | ₹ 1,47,000 |
Comparison: Gram Priya (10-Yr MB) Vs Gram Sumangal (AEA) / Gram Santosh (EA)
| Feature / Parameter | Gram Priya (RPLI10) | Gram Sumangal (RPLIAEA) | Gram Santosh (RPLIEA) |
|---|---|---|---|
| Policy Term Duration | Fixed 10 Years | 15 Yrs or 20 Yrs | Flexible (Maturity 35 to 60) |
| Declared Annual Bonus Rate | ₹ 47 per ₹1,000 SA / yr | ₹ 47 per ₹1,000 SA / yr | ₹ 48 per ₹1,000 SA / yr |
| Periodic Survival Cashbacks | Yes (20% at 4th & 7th Yr) | Yes (20% SA × 3) | None (Lump sum at maturity) |
| Maturity Payout Share | 60% SA + 100% Bonus | 40% SA + 100% Bonus | 100% SA + 100% Bonus |
| Natural Calamity Relief | 0% Interest up to 1 Yr Arrears | Standard Grace Period | Standard Grace Period |
| Death Benefit Rule | 100% SA + Bonus (No cashback deduction) | 100% SA + Bonus (No cashback deduction) | 100% SA + Bonus |
RPLI Schemes Bonus Rate and Premium Table
| RPLI Scheme Name | Policy Code | Entry Age | Bonus Rate (per ₹1K SA) | Key Benefit |
|---|---|---|---|---|
| Gram Priya | RPLI10 | 20 – 45 Yrs | ₹ 47 / year | Short 10-Yr Fast Cashbacks |
| Gram Sumangal | RPLIAEA | 19 – 45 Yrs | ₹ 47 / year | 20% SA Periodic Cashbacks |
| Gram Santosh | RPLIEA | 19 – 55 Yrs | ₹ 48 / year | Endowment Maturity Payout |
| Gram Suraksha | RPLIWLA | 19 – 55 Yrs | ₹ 60 / year | Life Cover up to Age 80 |
| Gram Suvidha | RPLICWLA | 19 – 45 Yrs | ₹ 65 / year | 5-Year Conversion Option |
Why to Choose RPLI Gram Priya Scheme
Fast 10-Year Milestone Liquidity
Short 10-year policy term with 20% Sum Assured cashbacks at 4th and 7th year, ideal for fast financial goals.
Unreduced Demise Protection
If the insured passes away unexpectedly, the nominee receives 100% Sum Assured + full accrued bonus with ZERO cashback deduction!
Calamity Premium Arrears Relief
0% interest charged up to 1 year on premium arrears during natural calamities like flood, drought, earthquake, or cyclone.
RPLI Gram Priya Premium and Maturity Benefits
High Sum Assured Rebates
Enjoy an automatic rebate of ₹1.00 per ₹20,000 Sum Assured per month for higher coverage policies, lowering your effective net monthly premium.
0% NIL GST Benefit
Rural Postal Life Insurance policies enjoy 0% Goods and Services Tax (GST) exemption, ensuring 100% of your money goes into your policy accumulation.
RPLI Calculator - Important Information & Tax Benefits
Section 80C Tax Deduction
Premiums paid towards RPLI Gram Priya qualify for income tax deduction under Section 80C of the Income Tax Act up to ₹1,50,000 per financial year.
Section 10(10D) Tax-Free Returns
All periodic survival cashback payouts and final maturity amounts are 100% tax-free under Section 10(10D) of the Income Tax Act.
RPLI Gram Priya FAQs
Frequently asked questions about RPLI Gram Priya 10-Year Money Back Scheme.