Under the scheme, at least three thousand rupees will be given per month. If the person dies during the pension, then in such a situation the wife or husband of the beneficiary will get 50 percent of the pension.

Monthly income should be up to 15 thousand, the benefit of this scheme will be given to those people, who earn up to 15 thousand rupees per month. Also, the age of the person joining the scheme should be between 18 to 40 years. Under the scheme, whatever amount you deposit in the pension plan, the government will also deposit the same amount. In this, from 55 to 200 rupees can be deposited. To take advantage of this scheme, it will be mandatory for you to register yourself.

Bank account, Aadhaar card necessary

It will be mandatory for the person getting the benefit of this scheme to have an Aadhaar card and a bank account, only then he will be able to get its benefit. For this you have to contact your nearest CAC. Where the registration of the said scheme is done. At the time of registration, complete details of Aadhaar card, bank account will have to be provided.

After this your biometrics data will be recorded. Along with this, a card will also be made available to you there. Shram Yogi pension card number will be given in this. In future, you will be able to collect information about your account through this number only.

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Remove the worry of financial planning and retirement. This is such a formula, which will create a fat fund not only on retirement. Rather, the tension of pension will also go away. There will be regular income and there will be no shortage of money at all. You can also use a trick for double benefit in the National Pension Scheme. Open it in the name of your wife, not yours. To understand what will be the benefit of this, it is necessary to read the whole news.

Decide yourself how much pension is needed in NPS

On opening an NPS account in the name of his wife, he will get a lump sum amount at the age of 60. Pension will also be given every month. This will bring a good amount as a regular income. The biggest advantage of NPS Account is that you can decide yourself how much pension you want every month.

NPS account will run in the name of wife till the age of 65

Another major advantage of opening an account in the name of the wife is that she gets the option of investing in this scheme for 65 years. Usually it matures at the age of 60. You can deposit money in it every month or annually. Investment in NPS starts from Rs 1,000.

NPS: How will a fund of more than ₹ 1 crore 11 lakh be prepared?

Suppose your wife’s age is 30 and you started NPS account with an investment of Rs 5000 every month. If the average return is 10% on this, then at the age of 60 the total amount will be Rs 1 crore 11 lakh 98 thousand 471. Out of this, the wife will get around 45 lakh rupees in one go. Now the turn of pension, here he will get pension as regular income of Rs 45,000 every month. They will continue to get this pension for life.

How to understand this calculation of NPS?

• Age – 30 years 
• Investment – 30 years
• Monthly contribution – Rs 5,000
• Estimated Return – 10%
• Total Fund – Rs 1,11,98,471 (on maturity)
• 44,79,388 Amount to buy an annuity plan of Rs.
• Rs 67,19,083 (Annuity rate 8%)
• Monthly pension – Rs 44,793.

Fund managers manage NPS 

NPS i.e. National Pension Scheme is the social security scheme of the Central Government. The special thing is that you have to invest money in the scheme, but professional fund managers will manage it. The central government gives responsibility to professional fund managers. That’s why complete security is guaranteed on the NPS account. Returns are not guaranteed simply because it is a market linked scheme. But, in the last few years, NPS has given an estimated return of 10-12 per cent. So the worry of retirement has gone away.

The post New Super Pension Plan: Invest ₹ 5000 and get ₹ 1 crore 11 lakh 98 thousand 471, also get a pension of ₹ 44,793 every month first appeared on Rightsofemployees.com.