Issuance of Digital copy of Postal Life Insurance (PLI)/Rural Postal Life Insurance Policies (RPLI) through DigiLocker

F.No. 56-01/2021-LI

Ministry of Communications

Department of Posts (Directorate of Postal Life Insurance)

Chanakyapuri P.O. Complex, New Delhi-110021

Dated: 11th Oct 2021

Office Memorandum

Sub: Issuance of Digital copy of Postal Life Insurance (PLI)/Rural Postal Life Insurance Policies (RPLI) through DigiLocker.

DigiLocker is an initiative under the Digital India Program by the Government of India where citizens can get authentic documents/certificates in digital format from original issuers of these certificates. Department of Posts intends to minimize the use of physical documents that will enhance effectiveness of service delivery, making hassle free and friendly services for the citizens. The Department of Posts on the occasion of Azaadi Ka Amrit Mahotsav is launching the digital version of the Postal Life Insurance policy bonds and is inaugurating the 'ePLI bond' in the digital format which will now be available to eligible policyholders through DigiLocker. By securely logging in to the DigLocker using Aadhaar authentication, the user can download the digital copy of the Policy bond on their mobile phone.

This electronic copy of PLI policy bonds having a digital signature in the DigiLocker platform is valid proof as per the IT Act 2000. It shall be treated at par with the original policy bond issued by the Department of Posts for processing all types of Financial & Non-financial requests related to PLI/RPLI.

Issuance of policy bond through DigiLocker will help the customers and Department in following ways:

4.1 Benefits for the PLI/RPLI customers: Digital bonds provide convenience, safety, and immediate access.

Available after purchase of PLI policy from Post Office or India Post website.
Downloadable immediately after proposal approval via DigiLocker app.
Multiple policies (Endowment Assurance, Whole Life Assurance, Child Policy, Yugal Suraksha, Gram Priya, etc.) can be accessed with same authentication.
Digital copy can be used for claims, changes (address, nomination, etc.), and always stays updated.

4.2 Benefits to the Department: Officers can verify authenticity using DigiLocker QR code reader.

Staff can validate via digital signature and QR code.
Reduces complaints about missing/duplicate bonds.
Aadhaar-based authentication reduces fraud.
Clean KYC ensured by Aadhaar linkage.

5. Procedure for downloading/verifying policy bonds in DigiLocker: Policyholder logs in with Aadhaar authentication.

Enters policy number.
DigiLocker matches name and DOB with PLI database.
On success, bond is downloaded into issued documents section of DigiLocker app.

6. Dissemination: Information to be widely circulated among offices, staff, and customers.

Included in brochures, advertisements, workshops, and melas.

7. FAQs attached for reference.

Issued with approval of competent authority.

(Hariom Sharma)

Deputy Divisional Manager-II

Copy for information/action to: Minister of Communications, Secretary (Posts), DG Postal Services, Members, DDGs, CPMGs, Directors, etc.

FAQs on Digital PLI / RPLI Bonds All existing PLI policyholders can download via DigiLocker.
Even old policies (1990 or earlier) are available.
All policy bonds are available in digital format.
Not scanned copies, but digital format.
Multiple policies can be downloaded with same authentication.
RPLI policies also available.
No printout required.
Printouts are not valid proof, only digital format in DigiLocker app is valid.
Digital copy valid if physical lost.
Not available via India Post website, only DigiLocker.
Desktop access possible, but valid proof only via mobile app.
No expiry date.
Digital signature confirms authenticity.
QR code stores encrypted policy info, readable by Post staff.
QR code issues may arise due to poor quality/resolution.
Aadhaar seeding in PLI database not required.
Aadhaar-linked mobile number mandatory.
Aadhaar mandatory for DigiLocker access.
Name/DOB mismatch prevents download.
No restriction on number of downloads.
Updated bonds synced automatically after changes.
Issued by Department of Posts via DigiLocker platform.
Valid for loan requests.
Valid for service requests (address, nomination, etc.).
Free of cost.
Digital copy valid for maturity claims as per IT Rules 2016.
Digital copy alone is sufficient if physical lost.
Can re-download if phone lost/stolen.
Secure authentication via Aadhaar + OTP, digitally signed bond with QR code.
Technical issues → DigiLocker Helpdesk: https://support.digitallocker.gov.in/open (support.digitallocker.gov.in in Bing)