Many types of pension schemes are being run by the central government. One of them is Atal Pension Yojana. In this scheme, you get many benefits from the government. Let us tell you about it in detail-
New Delhi: If you are also planning to invest money in any government scheme or planning for your old age, then this is important news for you. In this scheme, you can take advantage of 60 thousand rupees annually by investing Rs 42 every month. Many types of pension schemes are being run by the central government. One of them is Atal Pension Yojana. In this scheme, you get many benefits from the government. Let us tell you about it in detail-
Under the Atal Pension Yojana, the government guarantees a pension of 1000 to 5000 rupees per month after 60 years. A person up to the age of 40 years can apply in this scheme of the government.
In this way, you will get the benefit of 60 thousand, if you invest in this scheme, then you get a fixed income every month after retirement. Let us tell you that after investing only Rs 1239 in every 6 months, the government is guaranteeing a lifetime pension of Rs 5000 per month i.e. Rs 60,000 annually after the age of 60.
Have to invest Rs 42 every month
If you start investing in this scheme at the age of 18 for a monthly income of Rs 5000, then you will have to pay Rs 210 every month. If the same money is given every three months, then Rs 626 will have to be given and Rs 1,239 will have to be given if given in six months. On the other hand, if you want to get a pension of 1000 rupees after 60 years, then you have to invest 42 rupees every month for this.
Let us tell you about the specialty of this scheme-
>> Any person in the age group of 18 to 40 years can take advantage of APY.
>> Get the benefit of exemption in income tax.
>> You can get pension up to Rs 5000 every month after the age of 60 years.
>> Modi government started APY in 2015.
Joining at the age of 18 will get more benefits
If you join at the age of 35 for 5 thousand pension, then every 6 months for 25 years will have to deposit Rs 5,323. In such a situation, your total investment will be Rs 2.66 lakh, on which you will get a monthly pension of Rs 5 thousand. On the other hand, if you join this scheme at the age of 18, then your total investment will be only Rs 1.04 lakh.
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