New Delhi: Pradhan Mantri Vaya Vandana Yojana: There are many options for you to keep getting pension every month, but we are going to talk about such an option in which you will get pension as well as the amount of money you have invested is also back. will get.
INVEST IN VAYA VANDANA YOJANA
The name of this magnificent scheme is Pradhan Mantri Vaya Vandana Yojana (LIC Pradhan Mantri Vaya Vandana Yojana). This is a scheme of the Central Government, in which investment can also be made through the country’s largest insurance company LIC. You can apply in this scheme till 31 March 2023. By investing in Pradhan Mantri Vaya Vandana Yojana, you get a return of 7.66 percent every year. You can invest in this for 10 years.
WHO CAN INVEST
Only the person who is at least 60 years of age can invest in this scheme, that is, this scheme is for senior citizens. There is no maximum age limit. This scheme can be purchased by paying a lump sum. The pensioner will have the option to choose the pension amount or the purchase price.
PENSION OPTIONS AVAILABLE
In this, if you want, you can take pension on monthly basis, but you also have the option of taking pension on quarterly, half yearly and yearly basis. If you do not opt for pension every month, then it becomes equal to 7.66% annually. Maximum 15 lakh rupees can be invested in this
How to get Pension
Monthly Quarterly Half Yearly
Minimum Pension 1,000 3,000 6,000 12,000
Maximum Pension 9,250 27,750 55,500 1,11,000
HOW MUCH TO INVEST
Purchased Monthly Quarterly Half Yearly
Minimum 1,62,162 1,61,074 1,59,574 1,56,658
Maximum 15,00,000 14,89,933 14,76,064 14,49,086
That is, under this scheme, a minimum pension of Rs 1000 is available every month or Rs 12000 annually. The maximum pension limit is Rs 9250 on monthly basis and Rs 1.11 lakh annually. You will have to invest Rs 1.62 lakh to get a pension of Rs 1000 per month and Rs 1.56 lakh to get a pension of Rs 12,000 annually. If someone wants a pension of Rs 9,250 every month, then he will have to invest Rs 15 lakh. To get Rs 1.11 lakh in a year, Rs 14.50 lakh will have to be invested.
THIS WAY YOU WILL GET A PENSION OF RS 41500
Now if a lump sum investment of Rs 5 lakh is invested in this scheme, then pension will be Rs 3333 on monthly basis and Rs 41500 pension will be made on annual basis. If you deposit 3 lakh rupees, then on monthly basis your pension will be 2000 rupees, while annually you will get 24900 rupees pension.
WILL GET MONEY BACK LIKE THIS
If the policyholder survives the investment tenure of 10 years. So he will continue to get the pension, meanwhile on death, the purchase price will be returned to the nominee. If the policyholder survives for 10 years, then along with the pension, the purchase price will also be returned.
HOW TO INVEST
Application for this scheme can be done both online and offline. way to invest online
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