If you are worried about old age, there are many government schemes for it, in which you can get a pension in old age by investing a small amount every month. Millions of people across the country have joined these schemes . In fact the government has many guaranteed pension schemes. By joining which you can get a fixed amount as a pension every month till the age of 60. Today we are going to tell you about four such schemes.
Atal Pension Scheme
Atal Pension Scheme (APY) is the most popular pension scheme of the government. If you are not in a government job, then you can join this scheme. Under the central government's scheme, investors will get a monthly pension of Rs 1,000 to Rs. Up to 5,000 is guaranteed. You can open Atal Pension Account at Post Office and Bank.
Only people between the ages of 18 and 40 can apply under the Atal Pension Scheme, meaning people over the age of 40 will not be able to join the scheme. If an 18-year-old joins the Atal Pension Scheme, he will have to invest Rs 210 per month for a pension of Rs 5,000. If the investor is 20 years old, he needs a monthly pension of Rs.1000 after the age of 60, for this, he has to invest Rs.50 monthly for 40 years. Account holders who start the scheme with increasing age have to pay more investment amount.
PM Kisan Mandhan Yojana
The Central Government has started Kisan Mandhan Yojana as a pension scheme for farmers. Under this scheme, registered farmers are given a minimum pension of Rs. 3000 after the age of 60 years. If one joins the Kisan Mandhan Yojana at the age of 18, he has to deposit Rs 55 per month. While people above the age of 30 have to pay Rs 110 per month and if they are 40 years old, they have to pay Rs 200 per month. Only farmers who have up to 2 hectares of arable land can join the scheme.
This is how to open an account in honorarium scheme
To avail the benefits of PM Kisan Mandhan Yojana, the farmer has to visit the Common Service Center (CSC) and get himself registered. A copy of Aadhaar card and land record will be required for registration. Under the scheme, the applicant farmer has to contribute Rs. 55 to 200 per month at the age of 60 years. This pension fund is managed by Life Insurance Corporation of India (LIC). The government also credits the farmer's account as much as the PM will pay the farmers for Kisan Mahadhan.
PM Shram Yogi Mandhan Yojana
The Central Government's 'Pradhan Mantri Shram Yogi Mandhan Yojana' is for those working in the unorganized sector. The scheme has been launched to provide financial security to the elderly. People who join the scheme get a monthly pension of Rs 3,000 after the age of 60. Any Indian citizen between the ages of 18 and 40 can join the scheme. The monthly income for joining the scheme should not exceed Rs.15,000.
Who can be a part of the plan?
The scheme has been specially launched for maids, cobblers, tailors, rickshaw pullers, laundresses and laborers. If the investor is 18 years old, he will have to deposit Rs 55 per month in the scheme, Rs 110 per month for 30 years and Rs 200 per month for 40 years. If the beneficiary dies before receiving the pension, 50% of the pension will be given to his spouse.
PM Short Merchant Honorarium Scheme
The government has launched the Pradhan Mantri Small Business Honorarium Scheme for small businesses. The scheme also provides a monthly pension of Rs 3,000 after attaining the age of 60 years. If one joins the scheme at the age of 18, he will have to deposit Rs 55 per month. Similarly, those who are 30 years old will have to pay Rs 110 and those who are 40 years old will have to pay Rs 200. This amount has to be deposited till the age of 60 years. The same amount of premium will be credited, the same amount will be credited by the government in the name of the member.
Register today at the service centers
PM Narendra Modi has launched this scheme in September, 2019. It is primarily a pension scheme for small entrepreneurs. If you want to join the scheme, then you can register at 3.25 lakh service centers spread across the country. Merchants who pay income tax will not get the benefit of this. Professionals over the age of 40 cannot participate.
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