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RPLI Gram Sumangal Calculator - 15/20-Yr Money Back

Calculate Anticipated Endowment (15/20-Yr Money Back) premiums, periodic survival cashbacks, and returns at ₹47/1K SA bonus rate.

GST Rate 0% NIL GST
Declared Bonus ₹47 / 1K SA
Payout Type Periodic Cashbacks
Tax Benefit Section 80C

RPLI Gram Sumangal (Anticipated Endowment) Calculator

Age: 25 Yrs

* Max entry age: 45 years for 15-year term policy / 40 years for 20-year term policy.

₹ ₹ 1,00,000
Quick Select:
Min: ₹10,000 Max: ₹10,000,000 (₹10 Lakhs)

Ready to Calculate Your Gram Sumangal Money Back Quote

Fill in your date of birth, policy term (15 or 20 yrs), coverage sum assured, and payment mode above, then click "Calculate Premium & Cashbacks" to view your results.

All RPLI Calculators

Explore and calculate instant quotes for all official Rural Postal Life Insurance plans

SANTOSH

ENDOWMENT ASSURANCE

Fixed maturity age with high annual bonus accruals.

Entry Age: 19–55 yrs
Bonus: ₹48 per ₹1,000 SA
CALCULATE NOW
SURAKSHA

WHOLE LIFE ASSURANCE

Lifelong cover up to age 80 with maximum ₹60 bonus.

Entry Age: 19–55 yrs
Bonus: ₹60 per ₹1,000 SA
CALCULATE NOW
SUVIDHA

CONVERTIBLE WHOLE LIFE

Whole life policy with option to convert after 5 years.

Entry Age: 19–45 yrs
Bonus: ₹60 per ₹1,000 SA
CALCULATE NOW
SUMANGAL

ANTICIPATED ENDOWMENT

Money-back plan with survival benefits at regular...

Terms: 15 & 20 yrs
Bonus: ₹45 per ₹1,000 SA
CALCULATE NOW
GRAM PRIYA

10-YEAR MONEY BACK

Short 10-year term with periodic returns at 4th, 7th...

Entry Age: 20–45 yrs
Bonus: ₹45 per ₹1,000 SA
CALCULATE NOW
BAL JEEVAN

CHILDREN POLICY

Life insurance cover for children with premium...

Child Age: 5–20 yrs
Bonus: ₹50 per ₹1,000 SA
CALCULATE NOW
⚖️ Official Comparison Tool

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 Sumangal AEA

Gram Sumangal (Anticipated Endowment Assurance - AEA) is a premium Money Back policy under Rural Postal Life Insurance (RPLI), introduced on March 24, 1995. Designed for proponents who require periodic cashbacks for milestone liquidity, it delivers periodic survival returns (20% SA every few years) with 100% full death benefit cover and declared annual bonus rate of ₹47/1K SA.

RPLI Gram Sumangal Anticipated Endowment Money Back Policy Features and Survival Benefits

100% Sovereign Guarantee

All sum assured policies and accrued bonuses are 100% guaranteed by the Government of India.

Ministry of Communications

Declared Bonus Rate

Declared annual bonus rate of ₹47 per ₹1,000 Sum Assured per year on total coverage.

Declared ₹47 per ₹1,000 SA Annual Rate

Periodic Survival Benefits

Periodic 20% SA cashbacks at intervals + 40% SA & 100% bonus at policy maturity.

Regular Milestone Liquidity

1,50,000+ Post Offices

Accessible across every rural village in India through Post Offices & Gramin Dak Sevaks.

Pan-India Post Network
30+ Years
Sovereign Trust (1995)
₹47 / 1K SA
Declared Bonus Rate
20% SA × 3
Survival Cashbacks
100%
Government Security
Official Actuarial Rate Tables 0% GST Premium Exemption Section 80C & 10(10D) Tax Free Full Death Cover Guarantee

How It Works

Calculate your Gram Sumangal premium and money-back cashbacks in 4 simple steps.

1

Select Gram Sumangal

Anticipated Endowment Money Back scheme with periodic survival cashbacks.

2

Select Term & Entry Age

Choose 15 Years or 20 Years term and input proposer date of birth.

3

Set Coverage

Select sum assured coverage from ₹10,000 up to ₹10 Lakhs.

4

View Cashbacks & Quote

Get net premiums, periodic 20% survival money back schedule, and bonus returns.

Detailed Overview of RPLI Gram Sumangal Calculator

The RPLI Gram Sumangal Calculator is an official online financial planning utility engineered to compute exact monthly, quarterly, half-yearly, and annual premiums for the Gram Sumangal (Anticipated Endowment Assurance - AEA / Money Back) scheme administered by India Post (Department of Posts, Ministry of Communications). Designed for proponents who require periodic liquidity during the policy term, this scheme features a declared annual bonus rate of ₹47 per ₹1,000 Sum Assured per year, high sum assured rebate discounts (₹1.00 per ₹20,000 SA), 0% GST exemptions, and periodic 20% survival money-back cashbacks.

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Instant Actuarial Quotes

Computes net premiums and total returns across all 4 payment modes in real time.

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Money-Back Schedule

Generates exact milestone cashbacks (20% SA × 3) and 40% maturity payout details.

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Unconditional Death Benefit

Full 100% Sum Assured + bonus paid on demise without deducting past cashbacks!

What is Gram Sumangal Anticipated Endowment Assurance under Rural PLI

Gram Sumangal (Anticipated Endowment Assurance - AEA) is a Money-Back insurance scheme offered under Rural Postal Life Insurance (RPLI). It is best suited for individuals who want guaranteed life insurance protection along with periodic liquidity to fund life milestones such as children's education, home renovation, or business expansion.

Proposer Entry Age 19 to 40/45 Years Max 40 yrs (20-Yr Term) / 45 yrs (15-Yr Term)
Declared Bonus Rate ₹ 47 per ₹1,000 SA / yr Simple reversionary rate
Policy Terms 15 Years & 20 Years Periodic money back cashbacks
Death Benefit Guarantee 100% SA + Accrued Bonus No deduction of past cashbacks

How to Calculate RPLI Gram Sumangal Premium, Bonus & Cashbacks?

Our RPLI Gram Sumangal Calculator uses official Department of Posts actuarial premium tables, high Sum Assured rebate rules, and money-back milestone payout schedules for 100% accurate calculations:

1. Premium & Rebate Calculation Formula

Step-by-Step
A. Gross Monthly Premium:

Gross Premium = (Sum Assured / 1,000) × Actuarial Base Rate

B. High Sum Assured Rebate (Discount):

Monthly SA Rebate = Floor(Sum Assured / 20,000) × ₹1.00

C. Net Payable Monthly Premium:

Net Monthly Premium = Gross Monthly Premium - Monthly SA Rebate

2. Bonus & Money Back Payout Formula

Declared Rate: ₹47/1K SA
A. Annual Bonus Accrual:

Annual Bonus = (Sum Assured / 1,000) × ₹47

B. Total Policy Bonus (15 or 20 Yrs):

Total Accrued Bonus = Annual Bonus × Policy Term Years

C. Final Maturity Payout at Term End:

Final Payout = (40% × Sum Assured) + Total Accrued Bonus

15-Year Policy Term Money-Back Schedule
  • End of 6th Year (1st Cashback): 20% Sum Assured
  • End of 9th Year (2nd Cashback): 20% Sum Assured
  • End of 12th Year (3rd Cashback): 20% Sum Assured
  • End of 15th Year (Maturity Payout): 40% SA + 100% Accrued Bonus
20-Year Policy Term Money-Back Schedule
  • End of 8th Year (1st Cashback): 20% Sum Assured
  • End of 12th Year (2nd Cashback): 20% Sum Assured
  • End of 16th Year (3rd Cashback): 20% Sum Assured
  • End of 20th Year (Maturity Payout): 40% SA + 100% Accrued Bonus

Gram Sumangal Calculation Example & Policy Returns Schedule

Here is a real illustration for a 25-year-old proposer purchasing a ₹1,00,000 Sum Assured policy for a 15-Year Policy Term:

Policy Metric Gram Sumangal 15-Yr Quote Payout
Proposer Entry Age 25 Years
Policy Term & Tenure 15 Years
Selected Sum Assured Coverage ₹ 1,00,000
Monthly Net Premium ₹ 660 / month
Total Premiums Paid Over 15 Years ₹ 1,18,800
Survival Cashback 1 (End of Yr 6 - 20%) ₹ 20,000
Survival Cashback 2 (End of Yr 9 - 20%) ₹ 20,000
Survival Cashback 3 (End of Yr 12 - 20%) ₹ 20,000
Annual Declared Bonus (₹47 per ₹1,000 SA) ₹ 4,700 / year
Total Accrued Bonus Over 15 Years ₹ 70,500
Final Maturity Payout at Yr 15 (40% SA + Bonus) ₹ 1,10,500
Total Money-Back Payouts Received (Cashbacks + Maturity) ₹ 1,70,500

Comparison: Gram Sumangal (AEA) Vs Gram Santosh (EA) / Gram Suraksha (WLA)

Feature Parameter Gram Sumangal (AEA) Gram Santosh (EA) Gram Suraksha (WLA)
Policy Category Money Back Plan Endowment Plan Whole Life Plan
Declared Annual Bonus Rate ₹ 47 per ₹1,000 SA / yr ₹ 48 per ₹1,000 SA / yr ₹ 60 per ₹1,000 SA / yr
Periodic Survival Cashbacks Yes (20% SA × 3) None (Lump sum at maturity) None (Paid at Age 80)
Max Entry Age 40 Yrs (20-Yr) / 45 Yrs (15-Yr) 55 Years 55 Years
Death Benefit Rule 100% SA + Bonus (No cashback deduction) 100% SA + Bonus 100% SA + Bonus
Sovereign Guarantee 100% Govt of India 100% Govt of India 100% Govt of India

RPLI Schemes Bonus Rate and Premium Table

RPLI Scheme Name Policy Code Entry Age Bonus Rate (per ₹1K SA) Key Benefit
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
Gram Priya RPLI10 20 – 45 Yrs ₹ 47 / year Short 10-Yr Money Back

Why to Choose RPLI Gram Sumangal Scheme

Guaranteed Milestone Liquidity

Provides 20% Sum Assured survival cashbacks at regular intervals during the policy term without having to wait until maturity.

Unreduced Demise Protection

If the insured passes away unexpectedly, the nominee receives 100% Sum Assured + full accrued bonus with ZERO cashback deduction!

100% Sovereign Safety & EEE Tax Free

Back-to-back Government of India guarantee with 80C premium tax deductions and 100% tax-exempt payouts under Section 10(10D).

RPLI Gram Sumangal 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 Sumangal 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 Sumangal FAQs

Frequently asked questions about RPLI Gram Sumangal Money Back Scheme.

Gram Sumangal (Anticipated Endowment Assurance - AEA) is an RPLI Money-Back scheme designed for proponents who require periodic liquidity. Under this policy, 20% of Sum Assured is paid as survival cashbacks at regular intervals during the policy term, and the remaining 40% Sum Assured plus 100% accrued bonus is paid at policy maturity.
Gram Sumangal carries a declared annual bonus rate of ₹47 per ₹1,000 Sum Assured per year. The bonus is calculated on the full Sum Assured throughout the policy tenure.
For 15-Year Term: 20% SA is paid at the end of 6, 9, and 12 years; remaining 40% SA + 100% accrued bonus paid at maturity (15th year).
For 20-Year Term: 20% SA is paid at the end of 8, 12, and 16 years; remaining 40% SA + 100% accrued bonus paid at maturity (20th year).
In the unexpected event of the policyholder's demise during the policy term, full 100% Sum Assured plus all accrued bonuses up to death are paid to the assignee or nominee without deducting any past survival cashbacks already paid!
The minimum entry age is 19 years on next birthday. The maximum entry age is 45 years for a 15-year policy term, and 40 years for a 20-year policy term.