The ongoing lockdown due to Covid-19 pandemic has disturbed almost everyone’s life. Many people have lost their job and are forced to sit at home while others are working on almost half salary. People are very much worried about their future due to the present crisis. Today in this article, we will tell you about few government schemes that will surely help you in the future. You can invest in these schemes and make your future safe and secured. These schemes are open for all (government employees, private job holders, farmers etc.)
Beneficial Government Schemes
Atal Pension Yojana
If you wish for a safe and secured future then you must invest in this government scheme. The goal of the Atal Pension Yojana is to ensure that no one in the country has to worry about any diseases, illness or accidents in old age – giving a sense of security. Private sector employees and employees working with organizations that do not provide them pension benefit may also apply for this scheme. Here you have an option of getting a fixed pension of Rs 1000; Rs 2000; Rs 3000; Rs 4000, or Rs 5000 after completing 60 years.
How to Apply?
- All nationalized banks offer the scheme. You can go to any of these banks to start your Atal Pension Yojana account.
- APY forms are available online and at the bank so you can download the form from the official website.
- Fill up the form and submit it to the bank.
- Provide a valid mobile number to the bank
- Also submit a copy of your Aadhaar card.
Pradhan Mantri Jeevan Jyoti Bima Yojana
This scheme is available to people in the age group of 18 – 50 years with a proper bank account. Aadhaar card will be the main KYC for the bank account. The life cover of Rs. 2 lakhs will be for the one year period stretching from 1 June – 31 May and later will be renewable. The risk coverage under this bima yojana is for Rs. 2 Lakh in case of death of the insured, because of any reason. The premium to be paid is Rs. 330 / annum which will be auto-debited in one installment from the subscriber’s bank account.
Pradhan Mantri Suraksha Bima Yojana
The Scheme is for people in the age group 18 – 70 years having a valid bank account. Here also Aadhaar card is the primary KYC for the bank account. Risk coverage under this bima yojana is Rs.2 lakh for accidental death & full disability while Rs. 1 lakh for partial disability. The premium of Rs. 12/annum will be deducted from the subscriber’s bank account via ‘auto-debit’ facility in one instalment.
SOURCE: Krishi Jagran