Postal Life Insurance (PLI) Online Payment: Login, Without Login & Credit Card

The Indian Post Office offers several digital methods to complete your Postal Life Insurance (PLI) online premium payment based on your policy status and preference:

• With login: Use the PLI customer portal or DoP eBanking (POSB internet banking) for regular premium payments.
• Without login: Use the “Initial Payment” or Quick Pay option on the PLI portal—only available for the first premium payment after proposal submission.
• Via credit card: Payments can be made using credit/debit cards through the PLI customer portal after login.

Other options include the IPPB mobile app, Common Service Centres (CSC), and Standing Instructions via bank or IPPB. You can also download your PLI payment receipt for tax purposes.
 

What is Postal Life Insurance (PLI)?

Postal Life Insurance (PLI) was introduced in 1884 and is one of the oldest life insurance schemes in India. It is a Government-backed insurance service managed by India Post. PLI is primarily meant for:

• Central and State Government employees
• Public Sector Undertaking (PSU) staff
• Defence and paramilitary personnel
• Professionals like doctors, engineers, and others eligible under the scheme

Ways to Make PLI Online Premium Payment

You can choose from multiple convenient methods to complete your PLI online premium payment based on your preference and access. The table below lists all available options with key details:

PLI Online Payment With Login

Follow these steps to complete your PLI online payment with login through the official customer portal:

• Go to the customer portal of PLI and click “Login”.
• If you are a first-time user, select “Generate Customer ID”, enter policy details and verify your email to set a password. You will receive the registration link to your registered email ID.
• Sign in with Customer ID & password.
• Choose “Payments”and then click “Renewal Premium". Choose your policy and click Pay Now.
• Pick net-banking/UPI/card, confirm OTP. 
• Save the on-screen acknowledgement for future reference.

PLI Online Payment Without Login

The “Initial Payment” or PLI online payment without login option is only available for paying the first premium after submitting your PLI policy proposal. Once the policy is issued and your Customer ID is generated, all future premium payments must be made through login on the PLI customer portal. 

Follow these steps to complete your PLI online payment without login:

• Visit the PLI portal and click on “Purchase a Policy”. Then choose “Initial Payment”.
• Enter your proposal or policy number, sum assured, date of birth, and the captcha code.
• Verify the premium amount and click “Proceed to Pay”.
• Choose your preferred payment mode—debit card, credit card, or UPI—and complete the transaction.
• You will receive an instant confirmation via email or SMS.

PLI Online Payment via Credit Card

Follow these steps to complete your PLI online premium payment by using a credit card through the customer portal:

• Log in to the PLI customer portal.
• Go to the “Payments” section and select “Renewal Premium”.
• Choose your policy and click “Pay Now”.
• Select the Credit Card payment option and enter your card details—card number, expiry date, CVV, and complete the OTP verification.
• Once the payment is successful, download the transaction slip for your records.

Note: Card issuer convenience fees may apply.

PLI Online Payment With QR Code

Follow these steps to pay your PLI premium using the IPPB-issued QR card:

• Swipe or scan your IPPB QR card at a micro-ATM or IPPB-enabled terminal.
• Authenticate the transaction using your OTP along with any required official identification (OVD).
• The premium amount is securely debited from your account and you receive an on-screen confirmation.
• A receipt will be sent via SMS or email, and you can also download it from your IPPB app or portal.

PLI Premium Payment Using IPPB Mobile App

Follow these steps to complete your PLI online premium payment using the IPPB mobile banking app:

• Download and install the IPPB Mobile Banking App and link your IPPB savings account.
• On the dashboard, go to “DoP Product Payments” and click “Postal Life Insurance”.
• Enter your policy number and date of birth, then click “Fetch Details”.
• Confirm the premium amount and click “Pay”, or set a “Standing Instruction” for auto-debit from your IPPB account.

PLI Payment via Common Service Centres (CSCs)

Post-Office CSC counters can collect PLI premiums in cash or digitally. Once you tell your policy number to the CSC operator, you can pay and collect the printed receipt. The data syncs with the PLI system the same day. 

Things to Consider When Making PLI Online Payment

Here are some important points to keep in mind while making your Postal Life Insurance online premium payment:

• Due Date: Premiums are payable on the 1st of every month. A grace period is applicable until the last working day of the month.
• Late Fee: If the payment is made after the grace period, an interest of 12% per annum will be charged until the policy is revived.
• Advance Rebate: You can receive a 1% discount by paying premiums 6 months in advance, and a 2% discount for 12 months in advance.
• Payment Limits: The maximum limit for card or UPI payments is Rs. 2 lakh per transaction. For higher amounts, consider using NEFT or RTGS.
• Contact Details: Ensure your mobile number and email ID are up to date to receive OTPs, payment confirmations, and e-receipts.

Benefits of Using PLI Online Payment

Here are the key benefits of making your PLI premium payments online:

• You can pay your premium anytime, anywhere without visiting a post office.
• Multiple payment modes are available, including UPI, credit/debit cards, net banking, and auto-debit options like Standing Instruction and NACH.
• Payment confirmation is sent instantly via SMS and email.
• You can easily download your PLI online payment receipt for record-keeping and tax purposes.
• Advance payments qualify for rebates of up to 2%.
• All transactions are processed through secure and government-approved payment gateways.

How to Download PLI Online Payment Receipt

Given below are the steps for PLI online payment receipt download:

• Log in to the official PLI customer portal.
• Go to the menu and select “Tools & Utilities”. Click “Payment History”.
• Enter your policy number and click on “Get Payment History”.
• Locate the relevant transaction and click “Download” to get a PDF receipt, or choose the option to email a copy to yourself.

Conclusion

Making your Postal Life Insurance (PLI) premium payments online is quick, secure, and highly convenient. Whether you prefer logging in to the PLI portal, using the Initial Payment link for first-time payments, or paying via the IPPB mobile app or CSCs, there are multiple hassle-free options available. Remember the monthly due-date, leverage advance-payment rebates, and always download your e-receipt for future reference.