Post Office Scheme: People consider the post office scheme better in terms of security and security. Many post office schemes (Post Office Scheme Benefits) are very popular and profitable. But today we are going to tell you a very simple and beneficial scheme. Under this, you can get up to Rs 14 lakh by saving just Rs 95 per day. So let’s know what is this scheme.
Village Sumangal Rural Postal Life Insurance
For the people living in rural areas, the Post Office (Post Office Scheme 2021) has brought – ‘Gram Sumangal Rural Postal Life Insurance Scheme’. This is a profitable one in which you can get up to Rs 14 lakh by saving just Rs 95 a day. Apart from this, on the survival of the policy holder (Post Office Life Insurance Scheme) in this scheme, the benefit of money back is also available i.e. the amount you invested will be fully refunded.
Will get maturity bonus
In Gram Sumangal Yojana, the policyholder also gets bonus on maturity. This scheme is available for two tenures, first 15 years and second 20 years. The minimum age to take the policy of Gram Sumangal Yojana is 19 years and the maximum is 45 years. Any Indian citizen can take advantage of this scheme.
The scheme has many advantages
Money back facility is available under this plan. In this, the policyholder gets a sum assured of up to Rs 10 lakh. If a person survives till the maturity of the policy, then he gets the benefit of money back. This money back benefit is available thrice. Under this, 20-20 percent money back is available on the completion of six years, nine years and 12 years in a 15-year policy. On maturity, the remaining 40 percent of the money including bonus is also given.
will get money back
At the same time, those who take a policy of 20 years, they get money back in the form of 20-20 percent on the terms of 8 years, 12 years and 16 years. The remaining 40 percent of the money is given on maturity along with bonus. Apart from this, on the death of the policy holder, the nominee is given the sum assured along with the bonus amount. Gram Sumangal Rural Postal Life Insurance Scheme gives many benefits.
Know how much is the installment
If a person is 25 years old, then takes this policy for 20 years with a sum assured of Rs 7 lakh. In such a situation, an installment of Rs 2853 will have to be paid every month. That is, about 95 rupees will have to be saved daily. In this case, the annual premium will be Rs 32735. If someone wants to pay it in six months, then it will become an installment of Rs 16715 and Rs 8449 in three months.
Bonus will make lakhpati
If you want to take this post office policy, then know that it takes 20 years. Under this, you will get 1.4-1.4 lakh rupees in the 8th, 12th and 16th year at the rate of 20-20 percent. In the 20th year, you will get the benefit of sum assured of Rs 2.8 lakh. Let us tell you that an annual bonus of Rs 48 per thousand will be added to this. Accordingly, the annual bonus will be Rs 33600. On totaling this, the total bonus in the period 20 is Rs. 6.72 lakhs. On adding all the installment and bonus amount, you will get a profit of about Rs 13.72 lakh.
