New Delhi. If you are also planning to invest somewhere in a safe place, then you can invest money in Atal Pension Yojana (APY) of the government. Let us inform that the Atal Pension Yojana was started in the year 2015 for the people working in the unorganized sectors, but in this scheme any Indian citizen of 18 to 40 years of age can invest and avail pension, who have bank or Have an account in the post office. In this scheme, the depositors start getting pension after 60 years.
What is Atal Pension Yojana?
The investment made by you in Atal Pension Scheme depends on your age. Under this scheme, a minimum monthly pension of Rs 1,000, Rs 2000, Rs 3000, Rs 4000 and a maximum of Rs 5,000 can be obtained. If you want to register for this pension scheme, then you should have a savings account, Aadhar number and a mobile number.
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In this way you will get Rs 10,000 every month
If a person joins this scheme at the age of 18, then after the age of 60, he will have to deposit only Rs 210 per month for a monthly pension of Rs 5,000 every month. At the same time, husband and wife below the age of 39 years can take advantage of this scheme separately, from which after the age of 60, they will get a pension of Rs 10,000 every month by combining both of them.
People investing in Atal Pension Yojana get tax benefit of up to Rs 1.5 lakh under Income Tax Act 80C. From this, the taxable income of the subscribers is deducted. Apart from this, an additional tax benefit of up to Rs 50,000 is available in special cases. In this way, deduction of up to Rs 2 lakh is available in this scheme.
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Death benefits of APY
If the subscriber of this plan dies, then his wife becomes the nominee by default and the wife gets all the benefits of the plan. The wife also gets the same pension as the subscriber. In case the wife is not alive, the nominee who has been made by the subscriber gets the benefit of the corpus fixed for this. That is, the nominee gets a fixed pension.