Atal Pension and Post Office Scheme All details

Atal Pension and Post Office Scheme All details:- After the government discontinued the pension facility for employees, people have started worrying about their retirement and how they will manage their monthly income in old age. But the government is still providing people with many such options through which you can avoid financial problems in your old age. The Atal Pension Scheme of the Central Government and the Monthly Income Scheme of the Post Office will be suitable for you. Here today you are told about both these schemes.

Atal Pension and Post Office Scheme All details:-

Atal Pension Scheme
Under this, on reaching the age of 60, one gets a pension of Rs. 1000 to 5000 per month. It can be invested by a person between the ages of 18 and 40. If a person takes this scheme, he has to invest at least 20 years. To join the scheme, one needs to have a savings bank account, Aadhaar, and an active mobile number.

How will your contribution be determined?
For a pension of Rs 1,000 to Rs 5,000 per month, the subscriber will have to pay from Rs 42 to Rs 210 per month. This will happen when the plan is taken at the age of 18. On the other hand, if a subscriber takes up the scheme at the age of 40, he will have to make a monthly contribution ranging from Rs 291 to Rs 1454. In it, you will be able to claim tax benefit up to Rs 1.5 lakh under section 80C.

How can you take advantage of the plan?
You can take advantage of both these schemes by visiting any bank. If you have an account with SBI Bank, you can avail of the benefits of Atal Yojana through Net Banking. Click here for more information regarding the scheme.

Monthly Income Scheme
This is a type of pension scheme in which you can manage your monthly income by investing money together. The special thing about this scheme is that you will get all your money back after maturity.

How to open an account?
You can open an account by going to any post office at your convenience. For this, you have to submit 2 passport size photos, Aadhar card, Water ID, PAN card, Ration card, anyone photocopy of driving license. Apart from this, address proof has to be submitted.

Where to invest?
If you are under 40 years of age, it would be wise to invest in a permanent pension plan. In this, you do not need to deposit money together, you can arrange a pension for yourself by depositing money in it monthly. On the other hand, you cannot avail of Atal Pension Scheme if you are over 40 years of age. Therefore, a monthly income scheme can be a support for your old age. Apart from this, you can also take advantage of both the schemes if you want. This will give you about 10 thousand rupees per month.

Important Links

Full Details In Gujarati

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