New Delhi . Most of the people worry about financial security after retirement. This worry does not come in life, for this it is important that you should do pension planning in time. If you also want financial security after your retirement, then this news is very important for you. Here you are being given information about the government’s Atal Pension Yojana, in which husband and wife can get a monthly pension of Rs 10,000 by opening separate accounts.
Atal Pension Scheme is such a government scheme, in which the investment from your side depends on your age. Under this scheme, you will get a minimum monthly pension of Rs 1,000, Rs 2000, Rs 3000, Rs 4000 and maximum Rs 5,000. It is a safe investment. The government guarantees a lifetime pension of Rs 5000 per month i.e. Rs 60,000 per annum after the age of 60 on investing only Rs 1239 every 6 months. If both husband and wife invest, then a pension of Rs 1.2 lakh will be available annually. In this scheme, the depositors start getting pension after 60 years.
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can deposit as
Any Indian citizen of 18 to 40 years can invest in this scheme. If you join this scheme at the age of 18 for a maximum monthly pension of Rs 5,000, then you will have to pay only Rs 210 every month. If the same amount is to be deposited every 3 months, then Rs 626 will have to be paid and Rs 1,239 will have to be paid in 6 months. If you are 18 years old and want a monthly pension of 1000 rupees from this scheme, then you have to pay only 42 rupees monthly.
younger age, more profit
Suppose you join this scheme at the age of 35 for a pension of Rs 5,000, then every 6 months till 25 years you will have to deposit Rs 5,323. In such a situation, your total investment will be Rs 2.66 lakh, on which you will get a monthly pension of Rs 5,000. On the other hand, if you join it at the age of 18, then your total investment will be only Rs 1.04 lakh.
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Here are the features
There are three options for payment. You can deposit the amount monthly, quarterly or half yearly.
People investing in Atal Pension Yojana get tax benefit up to Rs 1.5 lakh.
Only one account will be opened in the name of one member.
If the member dies before or after 60 years, then the pension amount will be given to the wife.
If both husband and wife die, then the government will give pension to the nominee.
Tags: Atal pension, Business news in hindi, Personal finance, retirement savings
FIRST PUBLISHED : June 23, 2022, 11:31 IST