Central Government schemes: Crores of people are taking advantage of many welfare schemes of the central government, but today we will talk about 5 such social security welfare schemes, about which people do not know much. About eligibility and benefits of Pradhan Mantri Shram Yogi Maandhan Pension Scheme, National Pension Scheme for Shopkeepers, Traders and Self Employed Persons (NPS-Traders), Pradhan Mantri Jeevan Jyoti Bima Yojana etc.
Prime Minister Shram Yogi Maandhan Pension Scheme
The monthly contribution ranges from Rs 55 to Rs 200 depending on the entry age of the beneficiary. Under this scheme, the beneficiary contributes 50 percent monthly. At the same time, the central government contributes equally in this. Unorganized workers ie hawkers, agricultural work, workers working at construction sites can take advantage of this. At the same time, those working in the leather industry, handloom, mid-day meal, rickshaw or auto wheeler, rag pickers, carpenters, fishermen can also take advantage of this. For this scheme, the age should be between 18 to 40 years, while the monthly income should also be less than Rs 15,000.
National Pension Scheme for shopkeepers, traders
The monthly contribution ranges from Rs 55 to Rs 200 depending on the entry age of the beneficiary. Shopkeepers or owners who have small shops, restaurants, hotels or who are real estate brokers etc. can take advantage of this scheme. It is also necessary that they should not join EPFO, ESIC, PM-SYM and their annual turnover should not exceed Rs 1.5 crore.
Pradhan Mantri Jeevan Jyoti Bima Yojana
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Under the Pradhan Mantri Jeevan Jyoti Bima Yojana, a premium of Rs 330 is paid annually. Anyone in the age group of 18-50 years can invest in this scheme. The maturity age under this policy is 50 years. This term plan of the central government has to be renewed every year. The sum assured in this is up to Rs 2 lakh. That is, under this scheme, in case of death due to any reason, the dependent gets a help of Rs 2 lakh.
Prime Minister’s Suraksha Bima Yojana
People between the age group of 18-70 years can take advantage of PMSBY scheme. The annual premium of this plan is Rs 12 only. The premium of PMSBY policy is also deducted directly from the bank account. The bank account is linked with PMSBY at the time of purchasing the policy. According to the policy, in the event of death or total disability of the customer buying the insurance, his dependent gets an amount of Rs 2 lakh. At the same time, if the insured is disabled, he gets help up to Rs 1 lakh.
Atal Pension Yojana
Atal Pension Yojana was made for the people working in the unorganized sectors, but any Indian citizen of 18 to 40 years can invest in this scheme. But for this, they should have an account in the bank or post office. In this, if an 18-year-old person deposits only Rs 42 to Rs 210 per month, then he gets a pension of Rs 1 thousand to Rs 5 thousand. This premium amount increases with age. For a 40-year-old person, for a pension of 1 to 5 thousand, from Rs 291 to Rs 1454 will have to be deposited.
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