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Even in government jobs, the pension plan is only for old age. The pension scheme which was launched for the common people even in the central government schemes, the benefit of it is also available from the age of 60. At the same time, you can also benefit from a pension from the age of 40. For this you need to join Saral Pension Yojana from LIC.
The condition of this scheme is that instead of a monthly amount, a lump sum must be paid. The person taking this pension policy will get it for life. Along with this, if the person taking this plan wants a loan, then without it the loan facility will also be available after 6 months from the start of the policy.
The Saral pension plan has all the features that did not exist in the previous plan. That is, you can receive a monthly, quarterly, semi-annual or annual pension by depositing a lump sum at any time between the ages of 40 and 80. This pension will be available for life. The first is a life annuity with 100% return on the purchase price for a single lifetime.
That is, this pension plan will be linked to a single person. As long as the pensioner is alive, he will continue to receive a pension. After that, the candidate will receive the basic bonus. The second pension scheme is granted for cohabitation. In this, the spouse who survives the longest receives a pension. When the two are gone, the candidate will get the base price. In this plan, the policyholder will get the loan anytime after 6 months from the policy start date.
If you are 40 years old and you have deposited a single premium of Rs 10 lakh, then you will start to receive Rs 50,250 per year, that is to say per month Rs 4,187 which will be available for life. Other than that, if you want to get back the deposited amount in between because you need the money, in such situation you get back the deposited amount by deducting 5%. If you want to follow this plan, go to the LIC website or office and get all the details. These retirement plans can be taken online and offline.
(Sources: news24online.com)
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