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Post Office Investment Scheme: Deposit just this much money in this post office scheme, you will get 8 lakhs on maturity!

By
Parvesh Maurya
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Post Office Investment Scheme: In this scheme of post office, you can get 8 lakh rupees on maturity by depositing 22 rupees every day.

Post Office Investment Scheme: Post office has been the first choice of investors for small investment. In the post office, the interests of investors are fully taken care of. However, however, it is necessary that the investment should be started as soon as possible. The sooner you start investing, the greater the profit. You can become a millionaire by investing just 22 rupees every day in the post office insurance policy ‘Gram Santosh’. 


Gram Santosh’ is the endowment assurance scheme of the post office. It can be taken in at least 19 years and the maximum age limit is 55 years. In this, you can take insurance of at least 10 thousand rupees and maximum of 10 lakh rupees. Loan facility is also available on completion of three years of the policy. The policy can be surrendered even after three years. This policy matures in 35, 40, 45, 50, 55, 58, 60 years. 
In this scheme of post office, the insurance holder also gets the benefit of bonus. However, it is necessary to run the policy for at least five years. According to the information available on the mobile calculator Mobile App Post Info for the policy of India Post, a bonus of 48 rupees is being given this year. The bonus amount is for every thousand sum assured on an annual basis.

If A is 25 years old and has taken a post office ‘Gram Santosh’ insurance policy of Rs 3 lakh, then Rs 4.44 lakh on maturity of 35 years, Rs 5.16 lakh on maturity of 40 years, Rs 5.88 lakh on maturity of 45 years , Rs 6.60 lakh for 50 years maturity, Rs 7.32 lakh for 55 years maturity, Rs 7.75 lakh for 58 years maturity and Rs 8.04 lakh for 60 years maturity.

Now for how many days does a person named A buy this policy, the monthly premium will also vary according to that. Monthly premium for Rs 3518 for 35 years, Rs 1693 for 40 years, Rs 1223 for 45 years, Rs 956 for 50 years, Rs 768 for 55 years, Rs 690 for 58 years and Monthly premium for 60 years 643 will be Rs. In this way, the longer the premium paying term for your policy, the higher the maturity benefit as well as the lower the premium amount. The premium amount is also dependent on the age limit of the policy holder.

Suppose a person named A has taken the sum assured of Rs 3 lakh at the age of 25, then he has decided to invest in it till his retirement ie at the age of 60 years. He will have to pay the premium for 35 years and according to the calculator he will have to save the monthly premium of Rs 643 i.e. Rs 22 daily. At the age of 60, he will get a total of 8 lakh 4 thousand rupees. The total amount of bonus will be 5 lakh 4 thousand rupees.

Talking about the bonus calculation, the annual bonus is Rs 48 per thousand sum assured. Accordingly, the total bonus for one year would be Rs 14,400 (3,00,000 / 1,000 = 300 * 48 = 14,400). The total bonus in 35 years will be 14400 * 35 = 504000 rupees. Three lakh rupees will be available for the sum assured. In this way the total amount will be 8 lakh 4 thousand rupees.


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