An amount of about 3 lakh 7 thousand 500 rupees will have to be invested in the scheme, ie a total of 6 lakh 15 thousand rupees. Accordingly, the annual pension of the investor will be Rs 51 thousand 45.
Pension Scheme 2022: If you are a working couple and are worried about the future after retirement, then the Central Government’s Pradhan Mantri Vaya Vandana Yojana (Pradhan Mantri Vaya Vandana Yojana) is of your use. Under this, if both husband and wife invest Rs 15 lakh each, then the total investment will be Rs 30 lakh and you will get a pension of Rs 18,300 every month. If you also want to take advantage of this scheme, then you can apply till 31 March 2023.
Under this, any investor can invest up to a maximum of Rs 15 lakh in the scheme (PM Vaya Vandana Yojana). The special thing is that this pension can also be taken on monthly, quarterly, half-yearly or yearly basis. Under this scheme, the policy holder is given a return of 8% every year. If the policyholder survives the entire term, the balance amount is given as pension, but in case of death before the completion of the term, the purchase amount of the policy is given to the nominee.
Will get pension up to 1.11 lakh
Depending on the investment, pension ranging from Rs 1000 to Rs 9250 per month is provided. In this scheme, there is a provision to get maximum monthly pension of Rs 9250, quarterly pension of Rs 27,750, half yearly pension of Rs 55,500 and maximum annual pension of Rs 1,11,000. Under this, for a monthly pension of Rs 1000, the customer will have to invest a minimum of Rs 1.62 lakh. 1.61 lakh for quarterly pension, 1.59 lakh for half year and minimum investment of Rs 1.56 lakh for annual pension.
Husband and wife can also invest together
If both husband and wife want to take advantage of this scheme, then both will have to invest an amount of about Rs. Accordingly, the annual pension of the investor will be Rs 51 thousand 45. If you want to take this pension monthly, then every month you will get an amount of Rs 4100 as pension.
In this scheme people of 60 years or above can choose monthly or annual pension plan and you will get 8% interest for 10 years, if you choose annual pension then you will get 8.3% interest for 10 years. This scheme has been kept under LIC and being a pension scheme, it can be availed only after the age of 60 years. Your investment in this scheme is for 10 years. You will be given annual or monthly pension for 10 years.
Pradhan Mantri Vaya Vandana Yojana
The Modi government launched the Pradhan Mantri Vaya Vandan Yojana (PMVVY) scheme in 2017. This scheme provides social security and regular income to senior citizens, this government scheme is operated by Life Insurance Corporation of India (LIC). The Central Cabinet Meeting (Modi Cabinet Meeting) has extended its duration till March 31, 2023. Earlier the maximum limit for investment under this scheme was earlier Rs 7.50 lakh, which has now been increased to Rs 15 lakh.