Post Office Gram Suraksha Yojana is a great opportunity for you to make money with minimum investment. Under this scheme, the post office only Rs. 1500 per day (equivalent to Rs. 50 per day) by depositing, you will in return get Rs. Can get big lump sum up to 35 lakhs. This is an easy and effective way to increase your savings and achieve your financial goals.
Investing in Post Office Gram Suraksha Yojana is a safe and secure way of getting better returns. This scheme offers excellent returns without any risk, making it an attractive option for those who want to grow their savings. By investing in this plan, you can enjoy the peace of mind of knowing that your money is safe while reaping the benefits of good returns.
Post Office Gram Suraksha Yojana
Gram Suraksha Yojana is a savings scheme offered by Post Office in India. It is designed for 19 to 55 year olds who want to grow their savings with a safe investment option. By depositing a fixed amount of Rs 50 per day (equivalent to Rs 1500 per month) you can get good returns up to Rs 35 lakh. This plan is a safe and convenient way to achieve your financial goals while getting good returns on your investment.
Gram Suraksha Yojana also provides additional benefits for the insured person. On attaining the age of 80 years, the insured person is eligible to receive a reasonable amount along with bonus. In the unfortunate event of the death of the insured person, the sum is paid to the legal representatives (legal heirs) under certain conditions. This scheme not only provides a safe investment option, but also provides financial security for you and your loved ones.
Eligibility for Gram Suraksha Yojana (RPLI).
To participate in Gram Suraksha Yojana (RPLI), one must fulfill the following eligibility criteria:
- Age: The age of the person should be between 19 to 55 years.
- Citizenship: One must be a citizen of India.
These are the basic requirements to participate in this scheme. If you meet these criteria, you can consider investing in Gram Suraksha Yojana for a safe and profitable savings option.
Benefits and features of Post Office Gram Suraksha Yojana
The Post Office Gram Suraksha Yojana offers many benefits and facilities to investors:
- Eligibility: The scheme is open to individuals between the ages of 19 to 55 years.
- High Returns: This scheme offers higher return potential as compared to other savings options.
Flexible Premium Payment: Investors have the option of paying their premiums monthly, quarterly, bi-annually or annually. - Investment Amount: This scheme is Rs. 10,000 to Rs. Allows investment amount between 10 lakhs.
- Premium Amount: The premium amount varies depending on the age of the investor and the investment amount, but it is Rs. 1411 to Rs. 1515 upto.
- Maturity Amount: On maturity, investors after attaining the age of 80 years get Rs. A lump sum of up to 34.60 lakhs will be available. If the investor dies before reaching 80 years, the amount will be paid to the nominee.
- Surrender: The plan can be surrendered after 3 years, but no benefits will be paid in case of surrender.
- Grace period: Investors will be given a grace period of 30 days for payment of premium.
By considering these benefits and features, you can decide whether the Post Office Gram Suraksha Yojana is the right savings option for you.
Life insurance facility under Post Office Village Security Scheme
Post Office Village Security Scheme offers both investment benefits and life insurance coverage. By investing just Rs.1500 per month, you can get returns ranging from Rs.31 lakh to Rs.35 lakh. In addition, the scheme offers life insurance and a loan option after 4 years of investment.
Benefits of PO Gram Security Scheme
Post Office Gram Suraksha Yojana offers several benefits, including:
- Investment opportunities for laborers and rural women in rural India
- Affordable minimum investment options
- Whole life insurance coverage
- Option to convert the policy into an endowment assurance policy
- Bonus opportunities
- Flexible premium payment options up to 55, 58, 60 years
- Proportionate bonus is paid on Sum Assured in case of policy surrender.
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FAQs
What is the maturity amount under PO Gram Suraksha Yojana?
Answer: The maturity amount received by the investor depends on the years of investment, with a minimum of Rs. 31.60 lakhs, for 58 years Rs. 33.40 lakhs and for 60 years Rs. 34.60 lakhs.
Can a person surrender a policy in PO Gram Suraksha Yojana?
Answer: Yes, you can surrender the policy after 3 years, but you will not get any benefit if you do so.
Does Post Office Gram Suraksha Yojana have life insurance facility?
Answer: Yes, Post Office Gram Suraksha Yojana offers life insurance coverage along with good return on investment.
Bonus given under Post Office Gram Suraksha Yojana?
Answer: Yes, bonus is given to the investor under PO Gram Suraksha Yojana.
Can the policy be converted to endowment assurance policy insurance?
Answer: Yes, the policy under Post Office Gram Suraksha Yojana can be converted into Endowment Assurance Policy Insurance.