The post office offers various schemes that provide safe investment options and financial help during tough times. Among these, the Jansuraksha Schemes stand out.
These schemes are perfect for people who want to secure their future and their family’s future with a low investment. The main schemes are:
Prime Minister Life Jyoti Insurance Scheme
Prime Minister Security Insurance Scheme
Atal Pension Yojana (APY)
These schemes aim to provide financial security to people from all walks of life. Let’s take a closer look at each one.
Prime Minister Life Jyoti Insurance Scheme
This scheme is a term insurance plan that helps the insured person’s family in case of their death.
Benefit: The family receives ₹2 lakh if the insured person dies.
Premium: Only ₹436 per year, or about ₹36.3 per month.
Eligibility:
Age: 18 to 50 years.
Bank account is required.
Key Features:
1) It’s affordable and perfect for low-income families.
2) It provides financial security for the family with a small investment.
With just ₹36 per month, this scheme ensures a good future for your family.
Prime Minister Security Insurance Scheme
This scheme is designed to help people who face financial losses due to accidents. It’s perfect for people who need affordable insurance.
Coverage
1) Death due to accident: ₹2 lakh.
2) Disability (partial or total) due to accident: ₹1 lakh.
Premium: Only ₹20 per year, which is very affordable.
Eligibility:
Age: 18 to 70 years.
Bank account is required.
Key Features:
1) Provides financial help if the insured dies or is disabled in an accident.
2) It’s a very affordable way to reduce the risk of accidents.
For just ₹20 a year, you can get a good level of protection for you and your family.
Atal Pension Yojana (APY)
This scheme is for people who want a regular income after retirement. It helps you save small amounts to secure your retirement.
Benefit: After turning 60, you can receive a monthly pension ranging from ₹1,000 to ₹5,000, depending on your contribution and age.
Eligibility:
Age: 18 to 40 years.
Must not be a taxpayer.
Bank account is required.
Key Features:
1) Aimed at people in the unorganized sector.
2) Provides a lifetime pension based on your savings.
By starting early, like at age 18, with a small contribution of ₹200-₹300 per month, you can secure a monthly pension of up to ₹5,000 by the time you’re 60.
Importance of Jansuraksha Schemes
These schemes are affordable and help people from all income groups.
1) They are a great support for low-income families.
2) With a small investment, you can secure your future and your family’s future.
3) The government guarantees these schemes, so your money is safe.
