A good investment always brings a good return. For the past few years, instead of depositing money in banks, many people are investing it in stocks, mutual funds, crypto etc. However, investing in this sector is a bit risky. Yes, if the market performs well in the meantime, people also get a good return. On the other hand, there are many people who look for other options to invest their money without taking any risk. In this connection, today we are going to tell you about such a special scheme of Indian Post Office, in which you can earn a good return after investing. The name of this scheme of Indian Post is Gram Suraksha Yojana. After investing in this scheme, you can earn good returns without taking any risk. Many people in India are looking very excited about the Gram Suraksha Yojana. Let’s know about it –
Any Indian citizen can buy Gram Suraksha Scheme. For this his age should be between 19 to 55 years. 10,000 to 10 lakh can be invested in this scheme. You can pay the premium monthly, quarterly, half yearly or annually. You will get 30 days grace period for payment of premium.
After purchasing this policy, you can also take advantage of the loan. However, the loan can be taken only after 4 years of the policy being purchased. Under this scheme, if you buy a Gram Suraksha Yojana of Rs 10 lakh at the age of 19, then for 55 years you will have to pay a premium of Rs 1515 every month.
On the other hand, if you buy it for 58 years, then the premium amount will be Rs 1463 per month. Apart from this, for 60 years, you have to pay a monthly premium of Rs 1411. On attaining 55 years of premium, the subscribers of the scheme will get Rs 31.60 lakh.
At the same time, on completion of 58 years, he will get a maturity benefit of Rs 33.40 lakh and on attaining 60 years, Rs 34.60 lakh. In such a situation, this scheme is going to prove to be very helpful in your old age. Under the Gram Suraksha Yojana, this amount is handed over to the person when he turns 80. On the other hand, if the person has died, then this amount goes to the legal heir of the person.
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