Pension Schemes: If you have arranged pension today, there will be no tension of retirement. Here we are going to tell you about 5 such government pension schemes, by investing in which you can get a pension of Rs 5000 a month.
New Delhi: Whatever work you do and how much you earn, you should save a small amount every month for your pension. Because when you are 60 years old and will not be able to earn, then this savings will be your biggest strength in the form of pension. Modi government is running many pension schemes for the small and middle class people of the society. You can also secure your retirement by being a part of it. In these schemes, you can get a pension of up to Rs 5000.
NPS (National Pension System)
The NPS scheme being run by the government is quite a popular pension scheme. Any person can take this scheme, whether he works in private sector or in government sector, people from unorganized sector can also take advantage of this scheme. In this scheme you have to invest Rs 6,000 annually.
You can either give it together or in small installments of 500-500 rupees. Any Indian citizen can invest between 18 years and 60 years. This scheme matures at the age of 60, which can also be extended up to 70 years.
Right now it gets 8-10% interest. If you invest Rs 500 every month at the age of 18, then when you are 60 years old, you will get a pension of Rs 7000-800 on an estimated return.
Atal Pension Yojana
In 2015, the government started the Atal Pension Yojana for workers in the unorganized sector, so that when they grow old, they have the support to live. Even private sector people, whose tax liability is not made and they are not part of any other social security scheme, can also take advantage of this scheme. On the basis of investment in this scheme you get pension up to 1000, 2000, 3000, 4000 and 5000 rupees. A person of 18 years to 40 years can invest in it. The pension starts when you are 60 years old.
That is, the minimum investment period is 20 years. You cannot be a part of this plan after the age of 40 years. If you start investing in the Atal Pension Yojana at the age of 18, then you will have to pay 42 rupees a month, then you will get a pension of 1000 rupees.
If you want a pension of Rs 5000, then you have to invest Rs 210 a month. If you start investing at the age of 40, then for a pension of Rs 5000, you will have to invest Rs 1454 every month.
PM Kisan Mandhan Yojana
This scheme is for the farmers of the country. Under this scheme, when the farmer of the country will be 60 years old, then a pension of at least 3000 rupees will come in his account. The age for this scheme should also be between 18 years to 40 years. For this, the applicant farmer will have to contribute between Rs 55 to Rs 200 every month till the age of 60 years.
If you join at the age of 18, then the monthly contribution will be 55 rupees every month. At the same time, if you join this scheme at the age of 30, then 110 rupees will have to be contributed every month. Similarly, if you join at the age of 40, then you have to contribute 200 rupees a month. After the age of 60, the farmers get a minimum pension of 3 thousand rupees under the scheme.
To apply for this scheme, you will have to go to its portal maandhan.in and get yourself registered. For this, you have to give information about Aadhaar card, two photos and bank passbook, Khasra-Khatauni. No fees will be paid for the application in the plan.
PM Shram Yogi Mandhan Yojana
This scheme is especially for those people who run their own life by doing small work. This scheme will benefit from daily wage laborers to meds, drivers, electricians and sweepers or all such workers. Provided that their monthly earning should not be more than 15 thousand rupees.
Age should be between 18 years to 40 years to participate in this scheme. If an employee is 18 years old, then he will have to deposit Rs 55 every month till the age of 60 in the Pradhan Mantri Shramayogi Maandhan Yojana. In terms of one day, it will be around 2 rupees. However, there is a slight increase in the contribution when the age is more. If someone is 29 years old, then they have to deposit 100 rupees every month.
If an employee joins this scheme at the age of 40, then he will have to contribute 200 rupees every month. Monthly pension of 3000 rupees is given according to the investment. To take this scheme you have to go to the Common Service Center of your village.
PM Small Merchant Remuneration Scheme
This scheme was launched especially for small businessmen and shopkeepers. Under this scheme 3 crore small businessmen and shopkeepers of the country get a monthly pension of 3000 rupees. People from 18 years to 40 years can join this scheme.
In this scheme too, by contributing minimum Rs 55 and maximum Rs 200 every month, you can join the scheme. After 60 years, you get a pension of Rs 3,000. But one thing should be kept in mind that businessmen or shopkeepers associated with this scheme should not be part of any other pension scheme.