Atal Pension Scheme: If you also want to secure your old age, then this news is very useful for you. Today we are telling you about a government scheme in which you will get an annual pension of 60 thousand rupees by making a modest investment.
Atal Pension Yojana: In this era of inflation, everyone is worried about the expenses of old age. If you also want to secure your old age, then definitely read this news. Today we are telling you here about such a government scheme, by investing in which you can get monthly pension. This scheme is- Atal Pension Yojana (APY). Let us know about this scheme in detail.
What is Atal Pension Yojana
Atal Pension Yojana was started in the year 2015. Earlier this scheme was started for the people working in the unorganized sectors, but now any Indian citizen of 18 to 40 years can invest in this scheme. In this scheme, the depositors start getting pension after 60 years. Under this scheme, you can get a minimum monthly pension of Rs 1,000, Rs 2000, Rs 3000, Rs 4000 and maximum Rs 5,000. This is such a government scheme in which your investment is safe. If you also want to take advantage of this scheme, then you can register. For this, you need to have a savings account, Aadhar number and a mobile number.
Know the benefits of this scheme
The sooner you invest in this wonderful scheme of the government, the more benefit you will get. If a person joins the Atal Pension Yojana at the age of 18, then after the age of 60, he will have to deposit just Rs 210 per month for a monthly pension of Rs 5000 every month. That is, take special care of time to invest in this scheme.
Will get monthly pension of Rs 5,000
Now let’s talk about the benefits of this scheme. In this scheme, if you deposit Rs 7 every day, then you can get a pension of Rs 5000 per month.
At the same time, if you deposit 42 rupees every month in this, then you will get a monthly pension of 1000 rupees.
If you want a pension of Rs 2000, then you have to invest Rs 84.
If you want monthly pension of Rs 3000 then you have to invest Rs 126 monthly.
If you want to get a monthly pension of Rs 4000, then you have to deposit Rs 168 every month.
The biggest feature of this scheme is the tax benefit available in it. People investing in Atal Pension Yojana get tax benefit of up to Rs 1.5 lakh under Income Tax Act 80C. Actually, taxable income is deducted from this. Apart from this, additional tax benefit of up to Rs 50,000 is available in some cases. That is, overall deduction of up to Rs 2 lakh is available in this scheme.
Provision of this scheme
Under this scheme, if an investor dies before 60 years, then his wife / husband can continue to deposit money in this scheme and can get pension every month after 60 years. There is also an option that the wife of that person can claim the lump sum amount after the death of her husband. If the wife also dies, her nominee gets a lump sum amount.