There are many schemes offered by the post office that are very popular. There is no risk in investing in these schemes. Millions of people choose to invest in post office schemes because they are safe and give good returns.
One such scheme is the Gram Suraksha Yojana. In this scheme, you have to deposit just ₹50 every day. By doing this, you can get up to ₹35 lakh in return.
The post office runs many types of savings schemes. Crores of people are getting good returns by investing in them. That is why many people trust and invest in these schemes. The best part is, there is no risk, and the returns are guaranteed.
Know What is Gram Suraksha Yojana
Anyone who invests in the Gram Suraksha Yojana can get full benefits of up to ₹35 lakh. The amount is given to the investor at the age of 80, along with a bonus. If the investor dies before the age of 80, then the money is given to the nominee.
Any Indian citizen between the ages of 19 and 55 can invest in this scheme. You can invest from ₹10,000 to ₹10 lakh in this plan. The premium can be paid monthly, quarterly, half-yearly, or yearly.
For example, if someone buys the scheme at the age of 19, they will have to pay a premium of ₹1,515 every month till the age of 55.
Bonus is Given in Gram Suraksha Yojana
After four years of investment, the policyholder can also take a loan on this scheme. If someone wants to stop (surrender) the policy, they can do so after three years from the start date. A bonus is given on the investment after five years.
How Much Money Can Be Received?
If someone deposits ₹1,500 every month in this scheme — that is just ₹50 per day — they can get up to ₹35 lakh at maturity.
When Will You Get the Full Amount?
If the person attains maturity at age 55, they will get ₹31.60 lakh
- At 58 years, they will get ₹33.40 lakh
- At 60 years, they will get ₹34.60 lakh
The full amount is paid when the investor reaches the age of 80. If the person dies before that, the money is given to the nominee.