Let us tell you that this policy can be taken for a period of 5 to 15 years. Its special thing is that the loan facility is also available to the policyholder in this policy. On the other hand, in case of death of the policyholder during the policy term, the death benefit is given to his family.

Know what are its benefits

Many special benefits are available under LIC Dhan Sanchay policy. These include taking money in lump sum or in installments for 5 years in death benefit option. Apart from this, maturity benefit also includes guaranteed income and terminal benefit. If the policyholder passes away during the payout period, the nominee continues to receive the income.

Four options are available for investment

You get a total of 4 options for investment in LIC’s wealth accumulation policy. They are named A, B, C and D. In this, the sum insured in option A and B is at least Rs 3 lakh 30 thousand. In Option C, you get at least Rs 2 lakh 50 thousand and in Option D, you get an insurance opportunity of Rs 22 lakh.

Age limit for investment:

The minimum age for investing in LIC’s Dhan Sanchaan policy is 3 years. While its maximum age limit can change according to different options. For example in A and B option the maximum age limit for this policy is 50 years. At the same time, the maximum age limit for investment under Option C is 65 years while under Option D this limit is 40 years.

The annual premium will come to this much, let us tell you that if you want to invest in LIC’s money saving policy, then you can choose the policy term for 5, 10 or 15 years. You will get returns according to the number of years you choose the plan. Please tell that under this policy, you will have to pay a premium of at least Rs 30,000 annually. On the other hand, if the policyholder dies, the nominee gets a minimum death benefit of Rs 2.50 lakh and a maximum of Rs 22 lakh.

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With this, after maturity, you will get a lot of profit. This scheme of the postal department can give you better returns on a little investment. This scheme can be easily taken from any post office. Through the post office RD scheme, you can get better returns with less investment. Money is going to be completely safe in this investment. You can also invest 100 rupees a month in this scheme.

There is no limit on the amount of investment. You can invest as much as you want in this scheme. This post office scheme gives better interest. At the same time, its installments are also small.

This much interest will be received on RD

Post office RD account is opened for five years. It cannot be opened for a short time. In this, interest is calculated on the deposited money every three months. It is added to the interest along with compound interest in your account at the end of every three months. According to the post office scheme, 5.8 percent interest is available on the RD scheme.

How much profit

As an example, if any investor invests ten thousand rupees every month and this process continues for ten years, then he will get an amount of more than 16 lakhs on maturity. If seen in this way, in ten years an investor can get a good amount from a small investment.

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Life Insurance Corporation of India is trusted the most to insure people across the country. In today’s time people are investing heavily in life insurance policies. If you also want to make a secure investment, then LIC has come up with a great plan for you. On investing in this, the pension you will get for the first time, the same pension will continue to be available for the whole life.

LIC Saral Pension Yojana-

In this news, we are going to tell you about LIC’s Saral Pension Yojana. This is an Immediate Annuity plan. You start getting pension as soon as you take the policy in it, it is a single premium pension plan.

Don’t wait for the age of 60

The best thing in this is that after taking this policy, you will get the same pension as the first time. You will continue to get the same pension for the rest of your life. After investing in this, you do not need to wait for more than 60 years of age for pension. In this scheme, you start getting pension even at the age of 40.

Take advantage of the scheme like this-

Let us tell you that you can take advantage of Saral Pension Yojana in two ways. The first in this is single life, in which the policy will be in the name of any one. On his death the amount of base premium is received by the nominee. Also the second option is joint life. In this both husband and wife are covered. First the primary pensioner gets pension and after his death pension will be given to his spouse. If both of them die then after their death the amount of base premium will be given to the nominee in their next of kin.

These people can take the plan-

People of minimum 40 years and maximum 80 years can take advantage of this plan. In this, the pension continues to be received as long as the pensioner is alive. Also, the policy can be closed anytime after 6 months of inception. In this, you can take pension every month, every 3 months, every 6 months or once in 12 months.

What is the condition

In this plan, you will start getting loan after the first 6 months. You can exit the scheme after 6 months. In this, a fixed interest of 5 percent is available every year. You will get pension as long as you are alive.

You will get a pension of Rs 1 lakh like this-

In this scheme, you will have to take a minimum annual pension of Rs 1,000 per month or Rs 12,000. You will have to invest 2.5 lakhs for this. There is no limit to take most of the pensions in this. You can get a pension of Rs 50250 every year by paying a single premium of Rs 10 lakh. Here you should be 40 years old. Similarly, for an annual pension of Rs 1 lakh, you will have to invest a lump sum of Rs 20 lakh.

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Senior Citizen Saving Scheme

Investors get huge benefits on the Senior Citizen Saving Scheme of the Post Office. In this government scheme, you are getting the benefit of interest at the rate of 7.4 percent. Along with this, the interest rates are reviewed every quarter by the government. So the amount of interest can also change in this.

Get tax benefit

Let us tell you that in this government scheme, along with good returns, there is also the benefit of tax benefits. Today we will tell you how you can earn more than 1 lakh every year by investing money in this scheme.

How much can you invest?

You have to invest a minimum of 1000 rupees in this government scheme. After this, you can also increase the investment in it in a multiple of 1000. You can invest a maximum of 15 lakhs in this. Its maturity period is 5 years, but account holders can extend this scheme for another 3 years.

Tax exemption up to 1.5 lakh will be available

You can get the benefit of exemption of up to 1.5 lakh under 80C of Income Tax. At the same time, if the interest you get is more than 50,000 then you will have to pay tax on it.

How to get Rs 111,000

If an investor has deposited Rs 15 lakh i.e. the maximum amount in this government scheme and he is getting the benefit of interest at the rate of 7.4 percent, then according to this he will get Rs 27750 every quarter. At the same time, if we look at its annual amount, then it will become Rs 1,11,000.

There will be double profit in joint account

If you open a joint account, then the maximum investment limit will increase to Rs 30 lakh. After doubling the investment amount, the interest will be doubled to Rs 2.2 lakh.

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Senior Citizen Saving Scheme

Investors get huge benefits on the Senior Citizen Saving Scheme of the Post Office. In this government scheme, you are getting the benefit of interest at the rate of 7.4 percent. Along with this, the interest rates are reviewed every quarter by the government. So the amount of interest can also change in this.

Get tax benefit

Let us tell you that in this government scheme, along with good returns, there is also the benefit of tax benefits. Today we will tell you how you can earn more than 1 lakh every year by investing money in this scheme.

How much can you invest?

You have to invest a minimum of 1000 rupees in this government scheme. After this, you can also increase the investment in it in a multiple of 1000. You can invest a maximum of 15 lakhs in this. Its maturity period is 5 years, but account holders can extend this scheme for another 3 years.

Tax exemption up to 1.5 lakh will be available

You can get the benefit of exemption of up to 1.5 lakh under 80C of Income Tax. At the same time, if the interest you get is more than 50,000 then you will have to pay tax on it.

How to get Rs 111,000

If an investor has deposited Rs 15 lakh i.e. the maximum amount in this government scheme and he is getting the benefit of interest at the rate of 7.4 percent, then according to this he will get Rs 27750 every quarter. At the same time, if we look at its annual amount, then it will become Rs 1,11,000.

There will be double profit in joint account

If you open a joint account, then the maximum investment limit will increase to Rs 30 lakh. After doubling the investment amount, the interest will be doubled to Rs 2.2 lakh.

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