From time to time the government introduces many savings schemes for farmers. In this series, India Post has created different risk free savings schemes which give high returns while securing the future of the people living in rural areas of the country. Gram Suraksha Yojana is the most popular among the many rural postal life insurance schemes launched by the post office. Let us know everything about Gram Suraksha Scheme.

Village Security Scheme

Gram Suraksha Yojana is run under the Rural Postal Life Insurance Scheme of the Post Office. In this scheme, you can invest Rs 50 every day and get an amount of Rs 35,00,000 on maturity. This scheme has been specially designed for the rural population.

Who can invest?

Any person between the age of 19 years to 55 years can invest in the Gram Suraksha Yojana Scheme. The minimum sum assured in this post office scheme is Rs 10,000 and the maximum is Rs 10 lakh. In this scheme, premium can be deposited on monthly, quarterly, half yearly or yearly basis.

How much amount will you get?

If a person invests Rs 1,500 every month i.e. just Rs 50 daily in this scheme, then he can get a return of up to Rs 35 lakh on maturity of the scheme. If you buy a Gram Suraksha Yojana of Rs 10 lakh at the age of 19, then you will have to pay a premium of Rs 1,515 every month for 55 years. At the same time, Rs 1,463 will have to be deposited every month for 58 years and Rs 1,411 for 60 years.

Loan facility

Those investing in this scheme get loan facility after four years. If a policyholder wants to surrender it, he can do so after three years from the date of commencement of the policy. Bonus is also available on investment in this scheme after five years.

When will you get the money

The entire policy amount i.e. Rs 35 lakh is handed over to the beneficiary investing in Post Office Gram Suraksha Yojana on completing the age of 80 years, but many people demand the amount even earlier if required. In such a situation, according to the rules, a profit of Rs 31 lakh 60,000 is available on investment of 55 years, Rs 33 lakh 40,000 on investment of 58 years and Rs 34 lakh 60,000 on maturity of 60 years.

The post Post Office’s Dhansu Scheme: You can get Rs 35,00,000 on maturity by investing Rs 50 every day first appeared on Rightsofemployees.com.

Let us tell you that the post office is still considered a best option for investment. In this your money is completely safe. Today we will tell you about the Post Office Gram Suraksha Yojana, in which you get huge benefits. 

You will get 35 lakhs instead of 1500, let us tell you that the Post Office Gram Suraksha Yojana is a kind of insurance scheme, in which you have to invest only 1500 rupees every month and you will get 35 lakhs in return. 

• This is a government insurance scheme of the post office.
• Anyone aged 19 to 55 can take advantage of this scheme.
• The minimum sum assured under this plan is Rs 10,000.
• Apart from this, if we talk about the maximum amount, then it is 10 lakh rupees.
• In this plan, you can pay the premium amount on monthly, quarterly, half yearly and yearly basis.
• Apart from this, 30 days discount will be available on payment of premium.

Loan is also available
Let us tell you that in this scheme you also get the benefit of loan. Apart from this, you also get the facility of loan insurance. Let us tell you that you can take advantage of the loan facility only after 4 years of taking the policy. 

How to get 35 lakhs?
If you start investing in this scheme from the age of 19 and buy a policy of Rs 10 lakh, then you will get a monthly premium of Rs 1515 for 55 years, Rs 1463 for 58 years and Rs 1411 for 60 years. 

Maturity benefit of Rs 31.60 lakh will be available for 55 years.
There will be a maturity benefit of Rs 33.40 lakh for 58 years.
Maturity benefit of Rs 34.60 lakh will be available for 60 years.

There is also the option of surrender.
The special thing about this scheme is that you can surrender this policy too, but you can surrender only after 3 years. 

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