Saral Pension Yojana 2021 / Scheme Details And Apply Online

Hello Friends, from April 1, 2021, the government has come up with a new pension scheme, which is named Saral Pension Yojana. This scheme has been designed in such a way that any person up to 80 years of age can apply under this scheme and the special thing about this scheme is that you start getting immediate pension as soon as you enroll in it. In this, you do not need to wait for pension. Along with this, you also do the amount of pension under this scheme by yourself and whatever you deposit under this scheme, you also get full refund, so we will tell you about this pension scheme. Know what is Saral Pension Yojana? What is the term and condition of this plan? And in what way, who can enroll? And when how much benefit is given to you?

What is Saral Pension Yojana?

Saral Pension Yojana is a single premium annuity plan in which you deposit the fund only once. Under which you and your partner are given a pension which is given throughout your life. This insurance policy has been designed by IDA, all the insurance providers, all the companies, will follow these conditions. From April 1, 2021, this simple pension scheme will be available to all, in which you can enroll yourself. So now let us talk about some special benefits of this scheme. That is, about its features

The simple pension plan here is a single premium non-linked immediate annuity plan in which you have to pay the premium only once, after which you start getting the immediate pension.

To get the benefit under this plan, you were given the option of two other plans, in which you can choose whichever plan you want to choose or here first your life annuity with no purchase price whatever your pension amount in this policy would have chosen. Here you will continue to get your pension for the whole life, as long as your life is there, after that whatever premium you have paid, for taking this policy, you get a full refund of hundred percent.

The section which is currently operating in which you can open this policy jointly with your partner, in this also the primary pensioner will continue to get pension till his entire life. After that, his partner will continue to get the same pension forever. After the death of both the people, whoever paid the premium while purchasing his insurance, the entire money will be returned to whoever is your nominee.

In this way, if you want the amount of pension under the pension scheme, you can take monthly / quarterly or you can take half yearly only on your annual, then some special benefits of so much information.

who can apply

Now let us talk about who can apply under this scheme, here the minimum age you need to take this insurance policy should be 40 years and your maximum age should be in between 80 years.

This simple pension scheme here is going to be very useful for those people. Those who have not yet taken any type of pension plan and their age is 40 years. But under this scheme, if you do it at the age of 40 years, then you will start getting regular pension from the same day, after which whenever you die, whatever money you have deposited, the entire amount will be given to your nominee.

how much money to deposit

This is how much money will have to be deposited now to take your Saral Pension Yojana, so here we tell you that under Saral Pension Yojana, you now get an opportunity to choose the pension amount yourself to get the benefit. According to the amount of pension you will choose, you will have to pay that amount of pension you will have to take minimum.

Here you were told that the minimum that you have is 12000 quarters of the year 3000 and at least one thousand per month you have to take pension. There is no maximum limit, you can increase the amount as much as you want. Just you have to take a minimum pension of 1000 rupees under Saral Pension Yojana.

There is also an option to surrender the Saral Pension Yojana along with the option to take refund of money in case of critical illness. Under this plan, you can withdraw your money in case of critical illness. You can surrender your policy at any time after 6 months of taking this policy. If you get any serious illness, then for that you will have to provide some documents to the company in that case, after that you will be able to get your money back. But in this case, only 95% of the money is returned to you.

Loan facility as well

Loan facility is also available against Saral Pension Yojana. Under this scheme, you can also take a loan against your insurance policy if you want. You can take a loan of as much amount as you have deposited. The interest of the loan should be fifty percent of the pension you are getting.

So now let us see how much premium has to be paid to take which policy. So to know this, we have just come to the website of Policy Bazaar where some annuity plans were shown to you. Here you can see which company is offering you annuity plan for how much amount and how much you are going to get monthly pension.

Here it will tell you that if you pay one time 10 lakh rupees then here you are shown the names of all the companies. Here, if you deposit 10 lakh rupees in any plan, then a monthly pension of 5 thousand rupees will be given on it. Now, after the death of the pensioner, whoever will be his legal nominee, the entire Rs 10 lakh that he had deposited to take his policy is returned in full.

Here we have shown you the amount of 10 lakh rupees. Now if you want to deposit more or less than Rs 10 lakh then you will also go down for that, then here you will be shown the graph, but in bond first you can see that by investing minimum now Rs 2 lakh you can make Rs 1000 You can get the pencil and deposit the same bond in seconds between Rs 2 lakh to Rs 5 lakh. In this way, you can deposit as much as you want. Here if you want to know about it in detail, then you get the option here. If you click on this option of these details, then here it is to tell you whether you want to take your policy for yourself or you want to take it together for your spouse, but the pension plan which is there now, to be implemented from 1 April.

Here only some limited plans will show you. After April 1, you will be able to see many more plans here, where you will be able to reduce the amount according to your own. 3. But in this, you get to see the brochures of the plans of all the companies. Along with the details of the plan, you can see closely by visiting this website.

Also, if you have any question in your mind, suggest any method, then definitely write us in the comment box. Will share this issue with your friends and family.

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