New Sarkari Yojana List 2022 (नई सरकारी योजनाओं की सूची)

New Sarkari Yojana List 2022 (नई सरकारी योजनाओं की सूची)

प्रधानमंत्री मोदी एवं विभिन्न राज्य के मुख्यमंत्री द्वारा शुरू की गयी सभी योजनाएं, केंद्र व राज्य सरकार की योजनाएँ 2022, सरकारी योजना हिंदी और अंग्रेजी में योगी योजना वेबसाइट पर

Post Office Gram Suraksha Scheme 2022 Return Calculator - RPLI Whole Life Assurance Features

Rural Postal Life Insurance has launched Post Office Gram Suraksha Scheme 2022. In RPLI Whole Life Assurance Scheme, people will get assured amount with accrued bonus. This amount + bonus is payable to the insured either on attaining the age of 80 years, or to his/her legal representatives or assignees on death of the insured, whichever occurs earlier, provided the policy is in force on the date of claim.

In RPLI Gram Suraksha Scheme, by depositing Rs 1500 every month, you will get the benefit of Rs. 31 to Rs. 35 lakhs in the coming time.

Post Office Gram Suraksha Scheme Salient Features

Most important features of Gram Suraksha Scheme are as follows:-
  • Minimum & Maximum age at entry: 19-55 years;
  • Minimum Sum Assured: ₹ 10,000; 
  • Maximum Sum Assured: ₹ 10 lac;
  • Loan facility after 4 years
  • Surrender after 3 years
  • Not eligible for bonus if surrendered before 5 years
  • Can be converted into Endowment Assurance Policy upto 59 years of age of the insurant provided the date of conversion does not fall within one year of the date of cessation of premium payment or date of maturity.
  • Premium paying age can be opted for as 55, 58 or 60 years
  • One can pay a premium monthly, quarterly, half-yearly or annually.
    Proportionate bonus on reduced sum assured is paid if policy is surrendered
  • Last declared Bonus - ₹ 60 per ₹ 1000 sum assured per year​​​

Gram Suraksha Scheme Return Calculator

Suppose a person invests at the age of 19 and buys a policy of Rs. 10 lakh, his monthly premium will be Rs. 1515 for 55 years, Rs. 1463 for 58 years and Rs. 1411 for 60 years. The policy buyer will get a maturity benefit of Rs. 31.60 lakh for 55 years, Rs. 33.40 lakh for 58 years and Rs. 34.60 lakh for 60 years policy.

Need for Gram Suraksha Scheme

A major section of people want to spend a quality life which demands for careful financial planning. Now a days, most people look for the best financial investment from where they can get maximise and secure returns. So, here is the RPLI Gram Suraksha policy from where you will get a lump sum of money at the time of maturity. 
Post Office Whole Life Assurance Yojana is a social security scheme where you can get good returns with less risk. On making deposit of Rs. 1500 every month, you will get the benefit of Rs. 31 to 35 lakhs in future.

Generate Customer ID for RPLI Whole Life Assurance

In order to allow Customers to view and carry out transactions relating to their Postal Life Insurance/Rural Postal Life Insurance policies on real time basis, generation of Customer ID is a pre-requisite. To create Customer ID, go to the "Customer Portal". 

However, before, generating the Customer ID on the Portal, Customer will have to ensure that his/her Mobile number and email address are updated in the system against the respective policy. Only on updation of mobile number and email address, customer will be able to register on the portal by clicking on ‘Generate Customer ID’ button at the bottom left on the customer portal page. 

On Clicking on ‘Generate Customer ID’ button, customer will be taken to the portal page, where customer has to fill some mandatory information such as Policy Number, Sum Assured, Insured First Name, email id etc. After all the mandatory information is filled up, customer will click on submit button, then customer ID will be sent to the registered email id of the customer with link for resetting the password.

About Rural Postal Life Insurance (RPLI)

Rural Postal Life Insurance (RPLI) was introduced in 24.03.1995 for rural people of India. The Malhotra Committee had observed in 1993 that only 22% of the insurable population in this country had been insured; life insurance funds accounted for only 10% of the gross household savings. 

Central government accepted the recommendations of Malhotra Committee and allowed Postal Life Insurance to extend its coverage to the rural areas to transact life insurance business, mainly because of the vast network of Post Offices in the rural areas and low cost of operations. 

The prime objective of the RPLI scheme is to provide insurance cover to the rural public in general and to benefit weaker sections and women workers of rural areas in particular and also to spread insurance awareness among the rural population.

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