Are you also going to retire from your job? Worried about the future? Then here is good news for you. In today’s report, we will tell you about a scheme where you can start investing from just 7 rupees a day, that is, just 210 rupees a month. After that, you will get a pension of up to 5000 rupees every month. Yes, you heard it right. Let’s know in more detail.
Invest 7 rupees a day and get a pension of 5000 rupees every month
In this era of inflation, everyone thinks about the responsibilities of children, their marriage and funds for future plans. You can get some money safely after retirement. There is one such great scheme which is proving to be a blessing for private employees or unorganized sector.
This scheme is called Atal Pension Yojana. If you deposit just 210 rupees every month in this scheme, then you can get a guaranteed pension of 5000 rupees every month after retirement. This is not a private scheme, but a central government-guaranteed scheme, and so far over 86.6 million people have enrolled in it. The biggest thing is that this scheme has been extended till 2030-31.
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How does this scheme work?
If you are between 18 and 40 years of age, you can join this scheme. All you need is a savings bank account, an Aadhaar card and a mobile number. Then, you have to choose how much pension you want after 60 years. The amounts are Rs 1000, 2000, 3000, 4000 and 5000. The earlier you join this scheme, the less you have to pay per month, as the investment period is at least 20 years.
For example, if you join at the age of 18 and opt for a monthly pension of Rs 5,000, you will have to pay just Rs 7 per day or Rs 210 per month. If you want a pension of Rs 2,000, you will need just Rs 84 per month and for a pension of Rs 1,000, you will need just Rs 42. Your money will be automatically debited from the bank for this scheme.
Who can avail the benefits of Atal Pension Yojana?
Atal Pension Yojana is specially designed for those who want a regular income even after retirement. Indian citizens between the ages of 18 and 40 can invest in this scheme. However, as per the rules, once enrolled in this scheme, it is mandatory to remain invested for at least 20 years. After a person reaches the age of 60, his/her preferred pension starts accumulating every month. It is guaranteed by the government and there is no market risk. Even if you die during the interim period, your spouse will get the same pension. If both of them die, then the nominee will get the full amount back.
