New Delhi If you also want to secure your future, then there is good news for you. Explain that you can get monthly pension by investing under this government scheme. The name of this scheme is Atal Pension Yojana. Let us know about this scheme…
What is Atal Pension Yojana?
Atal Pension Yojana was launched in the year 2015. Earlier this scheme was started for people working in unorganized sectors, but now any Indian citizen of 18 to 40 years can invest in this scheme.
In this scheme, depositors start getting pension after 60 years. Under this scheme, you can get 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 must have a savings account, Aadhaar 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 Atal Pension Yojana at the age of 18 years
So after the age of 60 years, he will have to deposit only Rs 210 per month for a monthly pension of Rs 5,000. That is, take special care of the time to invest in this scheme.
Will get Rs 5,000 monthly pension
Now let’s talk about the benefits of this scheme. In this scheme, if you deposit 7 rupees daily, then you can get a pension of 5,000 rupees per month.
On the other hand, if you deposit Rs 42 in it every month, then you will get a monthly pension of Rs 1,000.
If you want a pension of Rs 2,000, then you have to invest Rs 84.
If you want a monthly pension of Rs 3,000, then you will have to invest Rs 126 monthly.
If you want to get a monthly pension of Rs 4,000, then you will have to deposit Rs 168 every month.
The biggest feature of this scheme is the tax benefit available in it. Those investing in Atal Pension Yojana get tax benefits 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 also available in some cases. That is, a total rebate of up to Rs 2 lakh is available in 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 a lump sum amount after the death of her husband. If the wife also dies, then her nominee gets a lump sum amount.