There is a risk factor associated with every investment. In such a situation, you should invest in such a place where your money is safe and you will get better returns with less risk. However, in investing, the return is proportional to the risk. Investing in the post office is considered the safest! In such a situation, today we are going to tell you about one such scheme of the Department of Posts (India Post).
Since the risk is high in the equity market, the returns are also higher as compared to other investment products. But not everyone has the ability to take risks. In such a situation, if you want such an investment where there is good profit also, then Post Office is better for you.
Small savings schemes of the Department of Posts (India Post) can be the best option for you. The risk factor is also low in this and at the same time, the returns are also good. We tell you about one such investment in which the risk is negligible and the returns are also good. This is the ‘Gram Suraksha Yojana’ of the Post Office.
This protection plan offered by the post office is one such option in which you can get good returns with low risk. In this Postal Department (India Post) scheme, you will have to deposit Rs 1,500 every month. By depositing this amount regularly, you will get the benefit of 31 to 35 lakhs in the coming time.
The rules for investing in Post Office Scheme 2021 are as follows
- Any Indian citizen between the age of 19 to 55 years can invest in this scheme.
- The minimum sum assured under this scheme can be from Rs 10,000 to Rs 10 lakh.
- The premium payment of this plan can be made monthly, quarterly, half-yearly or annually.
- You get a grace period of 30 days to pay the premium.
- You can also take loan on this scheme.
You can also surrender it after 3 years of taking this scheme. But in such a situation you will not get any benefit.
Suppose a person starts investing in this scheme at the age of 19 in the Department of Posts (India Post) and buys a policy of Rs 10 lakh, then his monthly premium is Rs 1515 for 55 years, Rs 1463 for 58 years And for 60 years it will be Rs 1411. In this case, the post office policy buyer will get a maturity benefit of Rs 31.60 lakh for 55 years, Rs 33.40 lakh for 58 years and Rs 34.60 lakh for 60 years.
Gram Suraksha Yojana: Loan Facility
The post office insurance scheme comes with a loan facility that can be availed after four years of policy purchase.
Post Office Village Security Scheme: Surrender Policy
Department of Posts (India Post) customers can choose to surrender the post office policy after 3 years. However, you will not get any benefit in such a situation. The biggest highlight of the policy is the bonus offered by India Post and the last announced bonus was assured of Rs 65 per Rs 1,000 per annum.
Gram Suraksha Yojana: Maturity Benefit
If a customer buys a Department of Posts (India Post) Gram Suraksha policy for Rs 10 lakh at the age of 19 years, the monthly premium will be Rs 1,515 for 55 years, Rs 1,463 for 58 years and Rs 1,411 for 60 years. The policy buyer will get a maturity benefit of Rs 31.60 lakh after 55 years, Rs 33.40 lakh after 58 years. The maturity benefit after 60 years will be Rs 34.60 lakh. In case of any update in the nominee’s name or other details like email id and mobile number, the customer can approach the nearest post office for the same.
(Sources: srbpost.com)
Ms Kalinga
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