Atal Pension Scheme: Married people will get 10 thousand rupees every month, take advantage of this government scheme soon
Newz Fast, New Delhi: Planning for pension is very important to keep the future safe. If you are thinking of investing keeping retirement in mind, then there is news of work for you.
Let us tell you that there is such a scheme of the government which is going to give you a lot of benefits. The name of this scheme is Atal Pension Yojana. This plan has been changed recently.
Let us tell you about it in detail. In this scheme, a pension of Rs 10,000 can be obtained every month by opening separate accounts in the name of both husband and wife.
What is Atal Pension Yojana?
Atal Pension is a government scheme. In this, depending on your investment and your age, it is decided that how much pension will you get? Under the scheme, you can get a minimum monthly pension of Rs 1000 and a maximum of Rs 5000.
You can also get pension of Rs 2000, Rs 3000 and Rs 4000 in this. It is a completely safe investment.
Who can invest?
Atal Pension Yojana was launched by the Pension Fund Regulatory and Development Authority (PFRDA) in 2015. At that time this scheme was started only for the people working in the unorganized sector.
But later it was opened to any Indian citizen in the age group of 18 to 40 years. In the scheme, pension starts after 60 years. But from October 1, 2022, it has been changed once again.
this is the new rule
Under the new change, the Finance Ministry issued a notification saying that any person who is an income tax payer under the Income Tax Act cannot apply for Atal Pension Yojana.
If a tax payer opens an account for Atal Pension Yojana after 1st October, then his account will be closed immediately on coming to notice. Also, the money deposited till that time will be transferred to his account.
Benefits of the plan
Under the scheme, people between the ages of 18 and 40 can make nominations.
For this, it is necessary for the applicant to have a savings account in a bank or post office.
The sooner you invest under the scheme, the more profit you will get.
If a person joins Atal Pension Yojana at the age of 18 years, then he will have to deposit Rs 210 per month for a monthly pension of Rs 5000 every month after the age of 60 years.
How to get Rs 10,000 pension
Spouses below the age of 39 years can take advantage of this scheme.
If husband and wife whose age is 30 years or less, then they can contribute Rs 577 every month to the APY account.
If the age of husband and wife is 35 years, then they will have to put 902 rupees in their APY account every month.
In addition to the guaranteed monthly pension, if either of the spouses dies, the surviving partner will get Rs 8.5 lakh along with full life pension every month.