Atal Pension Scheme: If you also have a plan to invest money in any government scheme, then today we will tell you about such a scheme of the central government, through which both husband and wife can earn a monthly income of Rs 10,000. With this earning, you can secure your old age.
both have income
Let us tell you that the name of this government scheme is Atal Pension Yojana. In this scheme, the government provides monthly income facility to both husband and wife.
government gives pension
Atal Pension Yojana is a popular scheme of the Modi government, in which an amount ranging from Rs 1000 to Rs 5000 is given to the citizens every month. If both husband and wife apply in this scheme, then they will get the benefit of Rs 10,000. The Pension Fund Regulatory and Development Authority has said that both husband and wife can apply for a pension amount of ₹ 5000 under this scheme.
Will have to pay Rs 210
In this scheme, citizens have to pay premium amount every month. If the applicant is 18 years old, then he will have to pay a premium of Rs 210 every month. On the other hand, if the same money is given every three months, then Rs 626 will have to be given and Rs 1,239 will have to be given in six months. Apart from this, to get a pension of 1000 rupees every month, only 42 rupees will have to be paid at the age of 18.
Wife will get money on death
If for any reason the citizen dies before the age of 60 years, then the money of this Atal Pension Yojana will be given to the wife of the citizen. If for any reason both the husband and the wife die, then the money of this pension will be given to the nominated citizen.
Special Features of Atal Pension Scheme
You can invest in it monthly, quarterly and half yearly.
In this you have to invest till the age of 42 years.
Your total investment in 42 years will be Rs 1.04 lakh.
After 60 years you will get a monthly pension of Rs 5000.
Under section 80CCD of Income Tax, it gets the benefit of tax exemption.
Only 1 account can be opened in the name of a member.
You can open an account in this scheme through the bank.
The contribution amount will also be given by the government for the first 5 years.
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