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Bonus Rates

FY 2081/82 (2024/25) Sanima Reliance Life Insurance Limited

Plan / Term up to 9 10 to 14 15 to 19 20 to 24 25 & above
Endowment Life Insurance Plan (Saral Regular) 35 35 40 45 70
Child Endowment Plan (Pure) Bal Shree 35 35 40 45 70
Endowment Life Insurance Plan (Saral Single) 35 35 38 43 65
Triple End. Life Insurance (Subha Laxmi)   20 20 25 30
Joint Life Endowment Insurance Plan (Dampati)     20 25 30
Endowment Cum Whole life (Dirghayu) 35 35 40 45 70
Limited Payment End. cum Whole Life (Dhanasanchaya) 35 35 40 45 70
Money Back Life Insurance Plan (Dhanapati)   32 37 42  
Annual Money Back (Dhana Firta)     19 21  
Fixed Deposti Plan – Regular Premium 24 24 24 24 24
Fixed Deposti Plan – Single Premium 54 54 54 54 54
15 Year Annual Money Back     41    
20 Year Annual Money Back       45  
Modified Annual Money Back 30 30 30 30 30
Group Endowment 20 20 20 20 20
Endowment Assurance Com Whole Life Policy (Sukhamaya) 30 35 40 45 60
Endowment Assurance Policy (Regular/Single) 30 32 35 45 75
Child Assurance Plan (Mero Mutu) 30 32 35 45 75
Limited End. Assurance (Simit bhuktani Sawadik)   40 42 52 65
Plan / Term 10 to 15 16 to 20 21 to 24 25 & above
Child Assurance Plan (Mero Mutu) - Amended (I) 22 28 35 45
Child Assurance Plan (Mero Mutu) - Amended (E) 20 27 32 34

FY 2080/81 (2023/24) Sanima Reliance Life Insurance Limited

Plan / Term up to 9 10 to 14 15 to 19 20 to 24 25 & above
Endowment Life Insurance Plan (Saral Regular) 35 35 40 45 70
Child Endowment Plan (Pure) Bal Shree 35 35 40 45 70
Endowment Life Insurance Plan (Saral Single) 35 35 38 43 65
Triple End. Life Insurance (Subha Laxmi)   20 20 25 30
Joint Life Endowment Insurance Plan (Dampati)     20 25 30
Endowment Cum Whole life (Dirghayu) 35 35 40 45 70
Limited Payment End. cum Whole Life (Dhanasanchaya) 35 35 40 45 70
Money Back Life Insurance Plan (Dhanapati)   32 37 42  
Annual Money Back (Dhana Firta)     19 21  
Fixed Deposit Plan – Regular Premium 24 24 24 24 24
Fixed Deposit Plan – Single Premium 54 54 54 54 54
15 Year Annual Money Back     41    
20 Year Annual Money Back       45  
Modified Annual Money Back 30 30 30 30 30
Group Endowment 19 19 19 19 19
Endowment Assurance Com Whole Life Policy (Sukhamaya) 30 35 40 45 60
Endowment Assurance Policy (Regular/Single) 30 32 35 45 75
Child Assurance Plan (Mero Mutu) 30 32 35 45 75
Limited End. Assurance (Simit bhuktani Sawadik)   40 42 52 65
Plan / Term 10 to 13 14 to 15 16 17 18 19 20 21 22 23 24 25 and above
Child Assurance Plan (Mero Mutu)- Amended 19 20 22 23 25 26 27 28 30 31 32 34

FY 2079/80 (2022/23) Sanima Reliance Life Insurance Limited

Plan / Term up to 9  10 to 14  15 to 19  20 to 24  25 & above
Endowment Life Insurance Plan (Saral Regular) 35 35 40 45 70
Child Endowment Plan (Pure) Bal Shree 35 35 40 45 70
Endowment Life Insurance Plan (Saral Single) 35 35 38 43 65
Triple End. Life Insurance (Subha Laxmi)   20 20 25 30
Joint Life Endowment Insurance Plan (Dampati)     20 25 30
Endowment Cum Whole life (Dirghayu) 35 35 40 45 70
Limited Payment End. cum Whole Life (Dhanasanchaya) 35 35 40 45 70
Money Back Life Insurance Plan (Dhanapati)   32 37 42  
Annual Money Back (Dhana Firta)     19 21  
Fixed Deposit Plan – Regular Premium 24 24 24 24 24
Fixed Deposit Plan – Single Premium 54 54 54 54 54
15 Year Annual Money Back     41    
20 Year Annual Money Back       45  
Modified Annual Money Back 30 30 30 30 30
Group Endowment 19 19 19 19 19
Endowment Assurance Com Whole Life Policy (Sukhamaya) 30 35 40 45 60
Endowment Assurance Policy (Regular/Single) 30 32 35 45 75
Child Assurance Plan (Mero Mutu) 30 32 35 45 75
Limited End. Assurance (Simit bhuktani Sawadik)   40 42 52 65

FY 2078/79 (2021/22) Former Reliance Life Insurance Limited

Plan / Term up to 9 10 to 14 15 to 19  20 to 24 25 & above
Endowment Plan 30 32 35 45 75
15 Years & 20 Years Money Back Assurance Policy     41 45  
Endowment Cum Whole Life Plan 30 35 40 45 60
Fixed Deposit (AMB) (Regular) 24 24 24 24 24
Fixed Deposit (AMB) (Single) 54 54 54 54 54
Modified Annual Money Back (M. AMB) 30 30 30 30 30
Group Endowment Assurance 19 19 19 19 19
Limited Endowment 0 40 42 52 65

FY 2078/79 (2021/22) Former Sanima Life Insurance Limited

Plan / Term 5 to 9 10 to 14 15 to 19 20 to 24 25 & above
Endowment and Whole Life policy (Single & Limited) 35 35 40 45 70
Endowment Policy 35 35 40 45 70
Single payment Endowment 35 35 38 43 65
Triple   20 20 25 30
Joint     20 25 30
Money Back Policy   32 37 42  
Annual Money Back Policy     19 21  

FY 2077/78 (2020/21) Former Reliance Life Insurance Limited

Plan / Term 5 to 9 10 to 14 15 to 19 20 to 24 25 & above
Fixed Deposit Protection Plan – Regular Premium 24 24 24 24 24
Fixed Deposit Protection Plan – SP I & II 54 54 54 54 54
15 Year Money Back Assurance Policy     41    
20 Year Money Back Assurance Policy       45  
Group Endowment Assurance Policy 19 19 19 19 19
Endowment Assurance Cum Whole Life Policy 30 35 40 45 60
Child Assurance Plan 30 32 35 45 75
Endowment Assurance Policy 30 32 35 45 75
Endowment Assurance Policy (Single Premium) 30 32 35 45 75
Limited Endowment Assurance Policy   40 42 52 65

FY 2077/78 (2020/21) Former Sanima Life Insurance Limited

Plan / Term 5 to 9 10 to 14 15 to 19 20 to 24 25 & above
Endowment and Whole Life policy (Single & Limited) 35 35 39 44 70
Endowment Policy 35 35 40 45 70
Single payment Endowment 35 35 38 43 65
Triple   20 20 25 30
Joint     20 25 30
Money Back Policy   32 37 42  
Annual Money Back Policy     19 21  

FY 2076/77 (2019/20) Former Reliance Life Insurance Limited

Plan / Term 5 to 9 10 to 14 15 to 19 20 to 24 25 & above
Endowment Assurance 30 32 35 45 60
Endowment and Cum whole life Assurance 30 35 40 45 60
Money Back Assurance     41 45  
Annual Money Back Assurance (Regular) 24 24 24 24 24
Annual Money Back Assurance (Single) 54 54 54 54 54
Group Endowment 19 19 19 19 19

FY 2076/77 (2019/20) Former Sanima Life Insurance Limited

Plan / Term 5 to 9 10 to 14 15 to 19 20 to 24 25 & above
Endowment and Whole Life policy (Single & Limited) 35 35 42 47 70
Endowment Policy 35 35 42 47 70
Single payment Endowment 35 35 40 45 65
Limited Payment Endowment   70 70 70 70
Triple   20 20 25 30
Joint     20 25 30
Money Back Policy   35 40 45  
Annual Money Back Policy     20 23  
Child Endowment   65 65 65  

FY 2075/76 (2018/19) Former Sanima Life Insurance Limited

Plan / Term 5 to 9 10 to 14 15 to 19 20 to 24 25 & above
Endowment and Whole Life policy (Single & Limited) 35 35 40 45 65
Endowment (Single) 35 35 40 45 65
Limited Payment End   70 70 70 70
Triple   20 20 25 30
Joint     20 25 30
Money Back Policy   35 40 45  
Annual Money Back Policy     12 15  
Child Endowment   65 65 65  

FY 2075/76 (2018/19) Former Reliance Life Insurance Limited

Plan / Term 5 to 9 10 to 14 15 to 19 20 to 24 25 & above
Endowment policy 35 35 40 50 70
Endowment and whole life policy 35 35 40 50 70
Money Back Policy     45 50  
Annual Money Back Policy 20 20 20 25 25

FY 2074/75 (2017/18) Former Reliance Life Insurance Limited

Plan / Term 5 to 9 10 to 14 15 to 19 20 to 24 25 & above
Endowment policy 35 35 40 50 70
Endowment and whole life policy 35 35 40 50 70
Money Back Policy     40 50  

FY 2074/75 (2017/18) Former Sanima Life Insurance Limited

Plan / Term 5 to 9 10 to 14 15 to 19 20 to 24 25 & above
Endowment and Whole Life policy 35 35 40 45 65
Endowment (Single) 35 35 40 45 65
Limited Payment End   70 70 70 70
Triple   35 40 45 65
Joint 35 35 40 45 65
Money Back Policy   35 40 45  
Child Endowment   65 65 65