As we all know that the first need of all the people in the world is money. People work hard day and night to earn money. Everyone wants that they have enough money so that they can live their life properly. They should not lack anything in their life. It has been seen in the present times that people also think about investing their earned money somewhere.
For the past few years, there are many people who instead of depositing money in banks are investing it in stocks, mutual funds, crypto etc., but investing in these areas becomes a bit risky. If the market performs well in the meantime, people also get a good return, but if the market does not perform well, then people also have to bear the loss due to this.
Everyone wants to invest their money without taking any risk, for which often people start looking for other options. If you also want to invest your money, in which the risk of losing money is low and the returns are also good, then today we are going to tell you about the post office’s “Gram Suraksha Yojana” investment.
“Gram Suraksha Yojana” is a very good investment option, in which one can get good returns with low risk. Under this scheme, people in the age group of 19 to 55 years can buy this insurance plan. The sum insured in this scheme ranges from Rs 10,000 to Rs 10 lakh. So let’s know about this plan…
Let us tell you that premium can be deposited on monthly, quarterly, half yearly, yearly basis. In case of default in payment during the policy term, the discontinued policy can be revived by paying premium thereon. A grace period of 30 days is given for the customers to pay the premium.
“Gram Suraksha Yojna” assures amount along with bonus which is received either by his legal heir/nominee after reaching the age of 80 years or in the event of death (whichever is earlier). If a customer wants to discontinue the policy after 3 years, then he can take this decision but he will not get any kind of benefit from this.
If you buy this policy then after that you can also take advantage of loan but loan can be taken only after 4 years of policy purchase. Under this scheme, if you buy a Gram Suraksha Yojana of Rs 10 lakh at the age of 19, then you will have to pay a premium of Rs 1515 every month for 55 years. If you buy it for 58 years, then you have to pay a monthly premium of Rs 1463.
At the same time, for 60 years, you will 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. On the other hand, on completion of 58 years, he can get Rs 33.40 lakh and for 60 years 34.60 i.e. coming everyday, you will be able to get Rs 35 lakh by depositing only ₹ 47.
If there is any update in the name or other details like email id and mobile number of the nominee, then the customer can contact his nearest post office for the same. If there is any other query, then for this the customer can contact the given toll free helpline 1800 180 5232/155232 or the official website i.e. http://www.postallifeinsurance.gov.in for the solution.
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