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LIC: A pension of Rs 23,000 will be given, the money given will also be back, know the scheme
It is important to prepare for life after retirement while you are young. Today is not the time to depend on anyone. You need to be self-sufficient. Financially, you should be strong enough that after retirement you can spend your life comfortably without tension. There are a lot of options for preparing for retirement. You can raise a lot of money by investing in them. There are some options from which you can arrange a regular pension. But there is also an option in which you will get pension. Also, the money you deposited will also be returned. Know the details of this plan.
We are talking here about the Prime Minister's expenditure Vandana scheme. The scheme can be applied till 31 March 2023. It is a central government scheme, in which investment can also be done through LIC, the country's largest insurance company. First of all, know the basics of this scheme. You will be given 7.66 percent return every year by investing in the Prime Minister's Vandana Yojana. The duration of this plan is 10 years.
At least how old
At least 60 years old person can invest in Pradhan Mantri Spend Vandana Yojana. Although the maximum age can be any. Another important thing is that you can take a pension on a monthly basis if you want. But you also have the option of taking pension on quarterly, half yearly and yearly basis.
Know the multiplication of pension
Under the Prime Minister's Vandana Yojana, a pension of at least Rs 1000 per month or Rs 12000 per year is available. The maximum pension limit is Rs 9250 on a monthly basis and Rs 1.11 lakh annually. You have to invest Rs 1.62 lakh for taking 1000 rupees every month and Rs 1.56 lakh for taking pension of Rs 12,000 annually. Similarly, if someone wants to get a pension of Rs 9,250 every month, then he has to invest Rs 15 lakh. At the same time, to get Rs 1.11 lakh every year, an investment of Rs 14.50 lakh will have to be made.
Under this scheme, if you deposit Rs 1000 every month, then your monthly pension will be Rs 74. If you take pension on quarterly basis, then your pension will be Rs 74.50, half year pension Rs 75.20 and annual pension will be Rs 76.60. This is a pension per thousand rupees. Now if someone invests Rs 3 lakh in this scheme, then his annual pension will be Rs 22,980. At the same time, you will get Rs 1915 on monthly basis.
This is how you will get money back
The first thing is that on surviving for 10 years, the policyholder will be given pension continuously. If the investor dies in these 1 years, the purchase price will be returned to the nominee. If the policy holder is alive for 10 years, the pension along with the purchase price will also be returned.
How to invest
The scheme can be applied both online and offline. Click on the given link (LIC INDIA)) to invest online.
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