Postal Life Insurance Schemes (PLI) | Endowment Assurance (Santosh) Review!

Postal Life Insurance (PLI) schemes are failry popular in India. In this video I am going to give you the detailed review of these schemes and weather you should invest in these schemes or not as a part of your financial/retirement planning?

I have calculated the XIRR (Internal rate of return) of this scheme on spreadsheet. You can too calculate the XIRR of your any insurance cum investment product with the same method!

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References
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Postal Life Insurance (PLI) - Govt Site

PLI Santosh Premium & Maturity Calculator

SIP Calculator

Should You Mix Insurance & Investment?

How to Calculate XIRR of LIC Policy?

[prabhanjana]

Nicely explained sir. But mutual fund not guaranteed product. Pl suggest guaranteed investment plan

[milanchoudhury]

Sir, how to find year wise declared bonus for pli ea plans?? Any website or link please...

PLI safe insurance +investment hai lakin mutual fund safe investment nhi hai ... Esliye mere hisab se investment + insurance ek acha safe combination hai ....

[abhishekdas]

I have started pli in the year 2020 can I surrender now ?

[pradeepninama]

2020 long term 15 years best return mutual fund konsae revenge please suggest me.

[SunilChavan-shei]

Santosh PLI ka jo salana bonas policy me add hota hi o kaise cheek Kare (sir yearly jo bounas milta hi apne policy me o abtak kitna Mila hi o kaise cheek kar na hi

[peduguriramakrishna]

My policy lapsed more than 5 years is it possible to revive the policy

[sarosaravanan]

Is there any assurance, will I get 15% as bonus in SIP Mutual funds.

[SMCGPRA]

Is private sector like IT professionals are eligible to buy the postal insurance

[narayanaasampally]

My pli pe lite tha in September 2011 & period 8 years. Now it is matured. But I paid my premium more than sum assure ie Rs. 564000.00. I doubt agent deceived me in case of my premium fixing. Pls clarify.

[studywithsantosh]

Pli me risk cover sum assurance hi milata hai ya total maturity milata hai

[pabitraadhikary]

Sir har moina 10 thoujan kar ke konsa pelen thik hoga

[smartyp]

Phle baat to term insurance 500 me ni milta wo sirf tv me ad aata hai or dusra term insurance me bahot term and conditions hoti or claim settlement ratio 100% nhi hota or baat rhi mutual fund ki to market ki halat dekh lo sb negative me ja rha koi guarantee nhi hai isliye always try to take those scheme which are backed by government of india.

[avinashraunak]

Wrong. Eska compare ULIP se hona chahiye. Traditional life insurance se nahi

[shankarjagat]

𝙎𝙞𝙧, 𝙃𝙤𝙪𝙨𝙚𝙬𝙞𝙛𝙚 (𝙜𝙤𝙫𝙩.𝙚𝙢𝙥𝙡𝙤𝙮𝙚𝙚) 𝙠𝙤 𝙋𝙇𝙄 𝙎𝙖𝙣𝙩𝙤𝙨𝙝 𝙈𝙞𝙡𝙚𝙜𝙖 𝙠𝙮𝙖.