Sunday, December 4, 2022

Post Office Jansuraksha Scheme PMJJBY PMSBY APY Know Details

Post Office Jansuraksha Scheme: With the changing times, people have become more conscious about investing and saving. The post office keeps on coming up with many types of small savings schemes for its customers. Through these schemes, customers get maximum returns in a short period of time. Along with this, now Indian Post keeps coming up with many types of security plans for its customers. You can secure your family by purchasing these protection plans. A total of three schemes are included in these public security schemes of the post office. If you also want to take advantage of insurance policy in small investment, then you can invest in Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana and Atal Pension Yojana under Jan Suraksha Yojana of Post Office. Let us give you information about the details of all three schemes-

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Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
The name of the first scheme in the post office’s public security scheme is Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY). This is a term insurance plan in which you get a cover of up to Rs 2 lakh on investment. This scheme was started by the government in the year 2015. A person from 18 to 50 years can buy this plan. Under this scheme, Rs 436 lakh has to be deposited per year. This scheme is valid from 1st June to 31st May. If an account holder dies after buying the policy, then his nominee gets financial help of full Rs 2 lakh.

Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Pradhan Mantri Suraksha Bima Yojana is also one of the public security schemes of the post office. Under this plan, the policyholder gets accidental insurance cover of up to 2 lakhs. If a policyholder dies in an accident, then his family gets financial assistance of Rs 2 lakh. On the other hand, if the policyholder becomes disabled, then he gets the help of Rs 1 lakh. In this, you have to deposit 20 rupees every year. This policy is also valid from 1st June to 31st May, then it has to be renewed.

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Atal Pension Yojana (APY)
The name of the third scheme of the post office’s public security scheme is Atal Pension Yojana. Under this scheme, a citizen of 18 to 40 years of age can invest in this scheme. After the policyholder turns 60, he will get a pension of Rs 1,000 to Rs 6,000. The special thing about this scheme is that both husband and wife can invest separately in it. After investing, you get tax exemption on investment of Rs 1.5 lakh under Section 80C of Income Tax. Along with this, if after the death of both, the invested money will be given to the nominee. There is going to be a big change in the rules of Atal Pension Yojana of the Central Government from October 1. Now from October 1, taxpayers will not be able to join this scheme.

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