**Executive Summary**
This notification, issued by the Ministry of Communications (Department of Posts), declares the reversionary bonus rates for Postal Life Insurance (PLI) policies based on the actuarial valuation of the Post Office Life Insurance Fund (POLIF) as of March 31, 2025. These rates are effective from April 1, 2026, and apply to claims due to death or maturity. The notification is dated January 14, 2026.
**Key Points / Main Content**
* **Bonus Rates for Different Types of Insurance:**
* **Whole Life Assurance (WLA):** ₹76 per thousand of sum assured.
* **Endowment Assurance (EA) (including Joint Life & Children Policies):** ₹52 per thousand of sum assured.
* **Anticipated Endowment Assurance (AEA):** ₹48 per thousand of sum assured.
* **Convertible Whole Life Assurance (CWLA):** Whole Life bonus rate applicable; Endowment Assurance rate if converted.
* **Terminal Bonus:** ₹20 per ₹10,000 sum assured (max ₹1000) for Whole Life and Endowment policies of 20 years or more.
* **Effective Date:** The bonus rates mentioned are applicable from April 1, 2026, for the financial year 2026-27.
* **Interim Bonus:** Interim bonus at the stated rates is payable for claims arising due to maturity or death until future valuation is completed.
* **Rounding:** Bonus amounts involving a fraction of 50 paisa or more will be rounded off to the next higher rupee, and any fraction below 50 paisa will be ignored.
**Impact Analysis**
**Policyholders**
* **Impact:** Policyholders will receive reversionary bonuses on their PLI policies at the declared rates for claims due to maturity or death.
* **Action Required:** Policyholders should review the new bonus rates to understand the potential impact on their policy's maturity value or death benefit.
**Beneficiaries**
* **Impact:** Beneficiaries of deceased policyholders will receive the bonus amount in addition to the sum assured.
* **Action Required:** Beneficiaries should be aware of the applicable bonus rates when making claims.
**Postal Department/PLI Directorate**
* **Impact:** The department is responsible for implementing the new bonus rates and ensuring accurate bonus calculations.
* **Action Required:** The department must update its systems and procedures to reflect the revised bonus rates, effective April 1, 2026.
Key Entities Referenced
Post Office Life Insurance Rules (2011): Rules that govern the operations of the Post Office Life Insurance.
Postal Life Insurance: A life insurance scheme operated by the Department of Posts, Ministry of Communications.
Ministry of Communications (Department of Posts): The ministry and department responsible for overseeing the Postal Life Insurance.
Post Office Life Insurance Fund (POLIF): The fund containing the assets and liabilities of the Post Office Life Insurance.
New Delhi: Location of the issuing authority for the notification
रजिस्ट्री स.ं डी.एल.- 33004/99 REGD. No. D. L.-33004/99
सी.जी.-डी.एल.-अ.-17012026-269411
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CG-DL-E-17012026-269411
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असाधारण
EXTRAORDINARY
भाग I—खण्ड 1
PART I—Section 1
प्राजधकार स ेप्रकाजित
PUBLISHED BY AUTHORITY
स.ं 12] नई ददल्ली, िुक्रिार, िनिरी 16, 2026/पौि 26, 1947
No. 12] NEW DELHI, FRIDAY, JANUARY 16, 2026/PAUSHA 26, 1947
सचं ार मत्रं ालय
(डाक जिभाग)
(डाक िीिन बीमा जनदेिालय)
अजधसचू ना
नई ददल्ली, 14 िनिरी, 2026
फा. स.ं 04-01/2025-एलआई.—डाकघर िीिन बीमा जनयमािली (2011) के जनयम 3 के तहत प्रदत् त िजियों
का प्रयोग करते हुए तथा 31.03.2025 की जस्ट्थजत के अनुसार, डाकघर िीिन बीमा जनजध (पीओएलआईएफ) की
पररसंपजियों एिं दने दाररयों के बीमांदकक मूल्यांकन के आधार पर, मृत्य ु अथिा पररपक्वता के कारण उत्पन्न हुए डाक िीिन
बीमा के दािों के मामले म ेंमहाजनदेिक डाक सेिाएं, जनम्नजलजखत दर पर साधारण प्रत्यािर्तित बोनस घोजित करते ह ैं:-
िीिन बीमा का प्रकार बोनस की दर
i. आिीिन बीमा (डब्लल्यएू लए) प्रजत हिार रुपए की बीजमत राजि पर 76/- रु.
ii. बंदोबस्ट्ती बीमा (ईए) प्रजत हिार रुपए की बीजमत राजि पर 52/- रु.
(संयुि िीिन एिं बाल पॉजलजसयों सजहत)
iii. प्रत्याजित बंदोबस्ट्ती बीमा (एईए) प्रजत हिार रुपए की बीजमत राजि पर 48/- रु.
iv. पररितिनीय आिीिन बीमा आिीिन बीमा की बोनस दर लागू होगी, परंत ु पररिर्तित करने की
जस्ट्थजत म ेंबंदोबस्ट्ती बीमा की बोनस दर लागू होगी।
(सीडब्लल्यएू लए)
345 GI/2026 (1)2 THE GAZETTE OF INDIA : EXTRAORDINARY [PART I—SEC.1]
v. टर्मिनल बोनस 20 ििि या उससे अजधक की अिजध िाली आिीिन बीमा तथा
बंदोबस्ट्ती बीमा पॉजलजसयों पर प्रजत 10,000 रु. की बीजमत राजि
पर 20 रु. की दर से, 1000 रु. की अजधकतम सीमा के अधीन
2. जिि ििि 2026-27 के जलए बोनस की उपरोि दरें, 01.04.2026 से लागू होंगी।
3. भािी मूल्यांकन पूरा होन े तक, पररपक्वता अथिा मृत्य ु के कारण उत्पन्न हुए सभी दािों के मामलों म ें अनंजतम
बोनस उपरोि दरों पर ही देय होगा।
4. बोनस राजि में िाजमल 50 पसै े अथिा उससे अजधक के भाग को अगले उच्चतर रुपए में पूणाांदकत दकया िाएगा
और 50 पैस ेसे कम के भाग को निरअंदाि कर ददया िाएगा।
तनिीर क़मर मोहम्मद, मुख्य महाप्रबंधक (पीएलआई)
MINISTRY OF COMMUNICATIONS
(Department of Posts)
(DIRECTORATE OF POSTAL LIFE INSURANCE)
NOTIFICATION
New Delhi, the 14th January, 2026
F. No. 04-01/2025-LI.—In exercise of powers conferred vide Rule 3 of Post Office Life Insurance Rules
(2011) and on the basis of Actuarial Valuation of the assets and liabilities of Post Office Life Insurance Fund (POLIF)
as on 31.03.2025, the Director General Postal Services is pleased to declare a simple Reversionary Bonus on the
Postal Life Insurance Policies on their becoming claims, due to death or maturity at the following rates:-
Type of Insurance Policy Rate of Bonus
i. Whole Life Assurance (WLA) Rs. 76/- per thousand of sum assured
ii. Endowment Assurance (EA) Rs. 52/- per thousand of sum assured
(including Joint Life & Children Policies)
iii. Anticipated Endowment Assurance (AEA) Rs. 48/- per thousand of sum assured
iv. Convertible Whole Life Assurance (CWLA) Whole Life bonus rate would be applicable, but on
conversion, Endowment Assurance bonus rate will be
applicable
v. Terminal Bonus Rs. 20/- per sum assured of Rs. 10,000/- subject to
maximum of Rs. 1000 for Whole Life Assurance and
Endowment Assurance policies with term of 20 years
or more.
2. The rates of Bonus mentioned above for the Financial Year 2026-27 will be applicable from 01.04.2026.
3. Interim Bonus at the rates mentioned above will also be payable for all claims arising due to maturity or
death until future valuation is completed.
4. The amount of Bonus involving a fraction of 50 paisa or more shall be rounded off to the next higher Rupee
and fraction below 50 paisa shall be ignored.
TANWEER QAMAR MOHAMMAD, Chief General Manager (PLI)
Uploaded by Dte. of Printing at Government of India Press, Ring Road, Mayapuri, New Delhi-110064
and Published by the Controller of Publications, Delhi-110054.