PLI · RPLI

Surrender & Loan estimator

Estimate the surrender value of a PLI or RPLI policy, and the loan you could borrow against it.

Years completed cannot exceed the policy term.

The surrender factor is estimated automatically from the years completed — it rises the closer the policy is to maturity. India Post applies its own factor.

Enter your policy details to see an estimate.

How this is worked out

Paid-up sum assured = sum assured × (years completed ÷ term). Accrued bonus uses the latest declared rate. Surrender value = factor × (paid-up + accrued bonus). Loan = 90% of surrender value.

Indicative estimate only. India Post applies its own surrender value factors and decides the final surrender and loan amounts.