PLI Premium Calculator-Santosh -Endowment( 2025)

In today’s world, financial planning is crucial. Securing your future and your loved ones’ well-being requires careful consideration, and life insurance plays a vital role in this strategy.

Postal Life Insurance (PLI) offers a variety of plans, including Endowment Assurance (Santosh), diverse needs and budgets. This is where a PLI premium calculator comes in – a powerful tool to empower you to make informed financial decisions.


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PLI Premium Calculator:- Endowment Assurance(Santosh)


The PLI Premium Calculator for Endowment Assurance in Excel is crucial for both policyholders and financial planners. It provides a streamlined method to calculate premiums, making financial planning more efficient.. PLI Premium Calculator enhances transparency, allowing users to understand how different variables affect their premiums and potential returns. Additionally, it simplifies comparisons between various policy options, ensuring that users make informed decisions about their financial futures. Overall, this tool is invaluable in optimizing savings and insurance protection strategies.


PLI premium calculator:- Endowment Assurance in Excel

PLI premium calculator in excel



Endowment Assurance (Santosh) Insurance Plan by Postal Life Insurance: Key Points

  • Maturity Benefit: Receive the sum assured amount and any accrued bonuses upon reaching a predetermined maturity age (35, 40, 45, 50, 55, 58, or 60 years).
  • Death Benefit: In case of the policyholder’s death, the full sum assured amount with accrued bonuses is paid to the assignee, nominee, or legal heir.
  • Eligibility:
    • Minimum Entry Age: 19 years old
    • Maximum Entry Age: 55 years old
  • Sum Assured:
    • Minimum: ₹20,000
    • Maximum: ₹50 lakhs
  • Loan Facility: Available after 3 years of policy holding. You can borrow against the accumulated surrender value.
  • Policy Surrender: Allowed after 3 years.
    • No bonus if surrendered before 5 years.
    • A proportionate bonus on the reduced sum is assured if surrendered after 5 years.
  • Bonus Rate: Currently ₹52 per ₹1,000 sum assured per year (may change). This is a bonus, not an interest rate.

May also check our other calculator, PLI maturity value calculator, Loan Calculator, etc.



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