**Table of Contents of this Post**

- APGLI/TSGLI Bonus Table - Bonus Calculation Guide
- APGLI/TSGLI Retirement Maturity Calculation Guide
- APGLI/TSGLI Online Maturity Calculator Software

## APGLI/TSGLI Maturity Calculator, Bonus Calculator, Retirement Calculator

**About APGLI/TSGLI Type of Insurance:**

- APGLI/ TSGLI is an Endowment type of Policy. Endowment Policy is a life insurance policy which provides you with a combination of both i.e.: an insurance cover, as well as an savings plan. Any life insurance plan with a saving component and lump sum maturity benefit can be termed as an Endowment plan. Endowment plans, thus, fulfill the dual need for a life cover and savings under a single plan. Some portion of APGLI Policy goes for Insurance and remaining for Savings.
- The APGLI/ TSGLI policy holder gets his/her sum assured on a fixed date in future as per the policy terms and conditions. However, in case of sudden death of the policyholder, Government will pay the sum assured (plus the bonus, if any) to the nominee of the policy.

### APGLI / TSGLI Bonus Table - Bonus Calculation Guide

Note:

- There are some wrong notations that Bonus is paid on the Premium. Bonus is paid on Sum Assured Only not on Premium Amount paid in that year.
- For Every 1000 Sum Assured per annum, Bonus is declared.
- Below is the APGLI/TSGLI Bonus Table which was declared from time to time.

Period www.apteachers.in |
Bonus Rs. | Terminal Bonus in Rs. | Bonus Declared vide Govt Order |
---|---|---|---|

1951-1954 | 10 | ||

1954-1957 | 10 | ||

1957-1960 | 16 | ||

1960-1963 | 16 | ||

1963-1966 | 17 | ||

1966-1969 | 18 | ||

1969-1972 | 20 | ||

1972-1975 | 24 | ||

1975-1978 | 28 | ||

1978-1981 | 40 | 3 | |

1981-1984 | 56 | 4 | |

1984-1987 | 60 | 4 | |

1987-1990 | 80 | 4 | |

1990-1993 | 100 | 5 | |

1993-1996 | 100 | 5 | |

1996-1999 | 100 | G.O.Ms.No.162,Fin(Admn.II), Dt.23.06.06 | |

1999-2002 | 100 | G.O.Ms.No.328,Fin(Admn.II), Dt.29.10.10 | |

2002-2005 | 110 | G.O.Ms.No.132,Fin(Admn.II), Dt.25.06.11 | |

2005-2008 | 100 | G.O.Ms.No.290,Fin(Admn.II), Dt.19.10.13 | |

2008-2011 | 100 | G.O.Ms.No.76, Fin(Admn.II), Dt.04.04.14 | |

2011-2014 | 100 | G.O.Ms.No.110, Fin(Admn.II), Dt.21.07.18 |

**Find APGLI Policy Details - Total Premium Paid, Total Bonds, Sum Assured Values - Click Here****Find TSGLI Policy Details - Total Premium Paid, Total Bonds, Sum Assured Values - Click Here**

**Calculation of Bonus Example**

As per the above Table, Basing on the Sum Assured of Your APGLI/TSGLI Policy, Bonus is declared.

For Example: Raju has a APGLI/TSGLI Policy with Sum Assured value of Rs. 1,50,000/- and commencing from 2005 to 2012. Let us find Bonus for that Policy as per the above table:

Sum Assured: 150000

Number of Thousands in Sum Assured : 150000/1000 = 150

Bonus Declared from 2005 to 2014, each year is Rs. 100 for every 1000 sum assured as per the above table.

Hence Bonus for the policy is 150 * 100(bonus) * 8(years) = 120000. Hence Bonus earned is Rs.120000

### APGLI / TSGLI Retirement Maturity Calculation Guide

We have calculated the Bonus Value of APGLI/TSGLI Policy. Now let us find out the Maturity Value / Retirement Value of APGLI/TSGLI Polic.

Retirement Maturity Value:

Retirement Maturity Value of Policy is the Sum of Sum Assured and Bonus Declared for the entire period.

**Maturity Value = Sum Assured + Bonus**

**Example for APGLI/TSGLI Maturity Value Calculation:**

In the above Example, We observed that Sum Assured Value is Rs. 150000 and Bonus earned is Rs. 120000.

Hence Maturity /Retirement Value = 150000 + 120000 = Rs. 270000.

**Imp Note:**

- As there are more than One APGLI/TSGLI Bond with every Policy, The Maturity Value, Bonus Value Calculation should be calculated for each Bond since the commencement date changes for every bond.
- The Bonds are with Suffix Names like A,B,C,D.....
- Each Bond has its own Premium Value and Sum Assured Value. Basing on that, Maturity Value also changes.
- For more details, one can visit APGLI Office and get the clarification.

### APGLI/TSGLI Maturity, Bonus Value Online Calculator

We have designed an Online Bonus, Maturity, Retirement Value Calculator for APGLI/TSGLI Policy.

It is very simple, and let us know your maturity value. Though there are some limitations, you will get the nearest values.

**How to Use APGLI/TSGLI Online Maturity, Bonus Calculator**

- Click on the Link provided below to go to the Online Calculator
- Enter Your APGLI/TSGLI Policy Number Exactly. No Need of any Suffix. (No A,B,C,D..)
- Enter Your Date of Birty.
- Click on Calculate Button.
- The Online Calculator will caalculate the values and gives you the result in the next page.

It,s a good option to know and one of the best for us.

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DeleteHi, how surrender value will be determined on tgli policy? Please explain with an example. Tq in advance

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