Gram Sumangal Scheme is a money-back life insurance plan under Rural Postal Life Insurance (RPLI), offered by India Post for people living in rural areas. The scheme is available in 15-year and 20-year terms, with a maximum sum assured of ₹10 lakh.
Under this plan, survival benefits are paid to the insured at fixed intervals during the policy term. These periodic payments are not deducted from the full sum assured, which is payable with accrued bonus to the nominee or legal heir in case of the insured's death during the term.
RPLI Gram Sumangal Scheme 2026
Gram Sumangal is an Anticipated Endowment Assurance plan, also known as a money-back policy. It suits people who need regular returns during the policy term to cover planned expenses such as children's education fees, crop input costs, or family events.
The scheme is open to all citizens living in rural areas, which means areas outside the municipal limits of a city. There is no employment or income condition, so farmers, rural workers, homemakers, and self-employed people can all apply.
Key Highlights
| Detail | Information |
|---|---|
| Scheme Name | Gram Sumangal (Anticipated Endowment Assurance) |
| Launched By | India Post, Department of Posts |
| Beneficiaries | Residents of rural areas |
| Policy Term | 15 years and 20 years |
| Minimum Sum Assured | ₹10,000 |
| Maximum Sum Assured | ₹10 lakh |
| Application Mode | Offline at post office, online portal |
| Official Website | indiapost.gov.in |
Eligibility
To apply for Gram Sumangal scheme, the applicant must be a resident of a rural area and within the age limits set for the chosen policy term.
- Minimum entry age is 19 years for both policy terms.
- Maximum entry age is 45 years for the 15-year term policy and 40 years for the 20-year term policy.
- Applicants must live in a rural area as defined under the scheme rules.
Benefits
Gram Sumangal scheme pays survival benefits at regular intervals during the term, and the full sum assured with bonus on maturity or death.
- 15-year policy: 20% of sum assured is paid on completion of 6, 9, and 12 years, and 40% with accrued bonus on maturity.
- 20-year policy: 20% of sum assured is paid on completion of 8, 12, and 16 years, and 40% with accrued bonus on maturity.
- Death benefit: full sum assured with accrued bonus is paid to the nominee, without deducting the survival benefits already paid.
Bonus Rate
The bonus rate for Gram Sumangal scheme for the financial year 2025-26 is ₹48 per ₹1,000 of sum assured per year. This is a simple reversionary bonus that is added to the sum assured and paid on maturity or death claim.
How to Apply
STEP 1 - Visit the nearest post office and ask for the RPLI proposal form, or use the official PLI/RPLI customer portal to get a premium estimate before applying.
STEP 2 - Fill in the proposal form with personal details, nominee information, address proof, and a declaration of rural residency.
STEP 3 - Submit the form along with the required documents. A medical examination may be needed if the sum assured is above a certain limit.
STEP 4 - Pay the first premium at the post office counter or online. Premiums can be paid monthly, quarterly, half-yearly, or yearly.
STEP 5 - The post office processes the proposal and issues the policy bond, which is the main document for all future transactions.
Documents Required
Keep the following documents ready when applying for Gram Sumangal scheme.
- Proof of identity such as Aadhaar card
- Age proof
- Address proof
- Medical declaration, if required
FAQ's
Who can apply for Gram Sumangal scheme?
Any Indian citizen living in a rural area and aged between 19 and 45 years (for the 15-year term) or 19 and 40 years (for the 20-year term) can apply. There is no income or employment condition.
What is the maximum sum assured under Gram Sumangal scheme?
The maximum sum assured is ₹10 lakh per individual across all RPLI policies combined. The minimum sum assured is ₹10,000.
What is the current bonus rate for Gram Sumangal scheme?
For the financial year 2025-26, the bonus rate is ₹48 per ₹1,000 of sum assured per year.
