“A large proportion of India’s population is without insurance of any kind, health, accidental or life. Worryingly, as our young population ages, it is also going to be pension-less. Encouraged by the success of the Pradhan Mantri Jan Dhan Yojana (PMJDY), I propose to work towards creating a universal social security system for all Indians that will ensure that no Indian citizen will have to worry about illness, accidents or penury in old age,” said Finance Minister Arun Jaitley in his budget speech on 1 Mar 2015. Schemes were launched by Prime minister on 9 May 2015.
The official website of the scheme is www.jansuraksha.gov.in. National Toll-Free – 1800-180-1111 / 1800-110-001 and StateWise Toll free number are listed in this document Statewise Toll-Free (pdf)
Forms are available in Bangla,English Gujarati,Hindi,Kannada,Marathi,Odia,Tamil and Telugu which can be downloaded fromwww.jansuraksha.gov.in/forms.aspx
Our article FAQ & List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Pradhan Mantri Suraksha Bima Yojana (PMSBY) many such questions.
Government announced insurance schemes Pradhan Mantri Suraksha Bima Yojana (for Accidental Death and Disability), Pradhan Mantri Jeevan Jyoti Bima Yojana (for life insurance) and Atal Pension Yojna (for pension). This article gives the highlights of these schemes. These schemes would be come in effect from 1 June 2015.
The government plans to use technology to the extent possible to reach out to the beneficiaries, thereby plugging leakages in the system. The JAM (Jan Dhan Yojana, Aadhaar and mobile) number trinity will allow government to transfer benefits in a leakage-proof, well-targeted and cashless manner
Table of Contents
Pradhan Mantri Suraksha Bima Yojana
- Eligibility: Available to people in age group 18 to 70 years with bank account.
- Premium: Rs 12 per annum.
- Payment Mode: The premium will be directly auto-debited by the bank from the subscribers account. This is the only mode available.
- Risk Coverage: For accidental death and full disability – Rs 2 Lakh and for partial disability – Rs 1 Lakh.
- Eligibility: Any person having a bank account and Aadhaar number linked to the bank account can give a simple form to the bank every year before 1st of June in order to join the scheme. Name of nominee to be given in the form.
- Terms of Risk Coverage: A person has to opt for the scheme every year. He can also prefer to give a long-term option of continuing in which case his account will be auto-debited every year by the bank.
- Who will implement this Scheme?: The scheme will be offered by all Public Sector General Insurance Companies and all other insurers who are willing to join the scheme and tie-up with banks for this purpose.
- The premium paid will be tax-free under section 80C and also the proceeds amount will get tax-exemption u/s 10(10D).But if the proceeds from insurance policy exceed Rs.1 lakh , TDS at the rate of 2% from the total proceeds if no Form 15G or Form 15H is submitted to the insurer.
Pradhan Mantri Jeevan Jyoti Bima Yojana
- Eligibility: Available to people in the age group of 18 to 50 and having a bank account. People who join the scheme before completing 50 years can, however, continue to have the risk of life cover up to the age of 55 years subject to payment of premium.
- Premium: Rs 330 per annum. It will be auto-debited in one instalment.
- Payment Mode: The payment of premium will be directly auto-debited by the bank from the subscribers account.
- Risk Coverage: Rs. 2 Lakh in case of death for any reason.
- Terms of Risk Coverage: A person has to opt for the scheme every year. He can also prefer to give a long-term option of continuing, in which case his account will be auto-debited every year by the bank.
- Who will implement this Scheme?: The scheme will be offered by Life Insurance Corporation and all other life insurers who are willing to join the scheme and tie-up with banks for this purpose.
Comparison between Jeevan Jyoti Bima Yojana (PMJJBY) vs Suraksha Bima Yojana (PMSBY)
| Features | Pradhan Mantri Suraksha Bima Yojana (PMSBY) | Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) |
| Eligibility | 18-70 years | 18-50 years |
| Number of Policy | One Policy Per Person | One Policy Per Person |
| When to Join the Scheme? | Any time | Any time |
| Sum Assured (Fixed) | Rs 2 lakhs | Rs 2 lakhs |
| Premium | Rs 12 per annum | Rs. 330 per annum |
| Cover stops at age | At the age of 70 years | At the age of 55 years |
| Maturity Benefit | Nil | Nil |
| Death Benefit (Natural Death) | Nil | Rs 2 lakhs |
| Death Benefit (Accidental Death) | Rs 2 lakhs | Rs 2 lakhs |
| Disability of both eyes, both hands, both legs or one eye and one limb | Rs 2 lakhs | Nil |
| Disability of one eye or one limb | Rs 1 lakh | Nil |
| Maximum Insurance cover | Rs 2 lakhs | Rs.2 lakhs |
| Risk Period | 1st June to 31st May every year. | 1st June to 31st May every year. |
| Mode of Payment | Premium will be auto debited from account in the month of May every year. | Premium will be auto debited from account in the month of May every year. |
List of Banks which are offering Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Those who have bank account with banks like ICICI Bank, HDFC Bank have got SMS
Dear Customer, Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an annual premium of Rs 12. To subscribe SMS PMSBY Y to 5676712 from your registered mobile number. Premium amount will be debited from Your HDFC Bank Savings Account. For T & C & other details click here
Atal Pension Yojna (APY)
Eligibility for APY: Atal Pension Yojana (APY) is open to all bank account holders who are not members of any statutory social security scheme.
Age of joining and contribution period: The minimum age of joining APY is 18 years and maximum age is 40 years. One needs to contribute till one attains 60 years of age.
Enrolment agencies: All Points of Presence (Service Providers) and Aggregators under Swavalamban Scheme would enrol subscribers through setup of National Pension System.
The Table of contribution levels, fixed monthly pension to subscribers and his spouse and return of corpus to nominees of subscribers and the contribution period is given below.
- if person joined Atal Pension Yojna at 35 years, he will contribute till age of 60 years ie 25 years.
- If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month. On his death his wife would get Rs 1000 per month and after her death the nominees will get 1.7 lakh.
- If he wants monthly pension of Rs 3000 he would contribute Rs 543 a month. On his death his wife would get Rs 3000 per month and after her death the nominees will get 5.1 lakh.
- If he joins at the age of 18 years to get a fixed monthly pension of Rs. 1,000 per month, the subscriber has to contribute on monthly basis Rs. 42 for Rs 5000 pension he has to contribute Rs. 210.
- if he joins at the age of 40 years to get a fixed monthly pension of Rs. 1,000 per month, the subscriber has to contribute on monthly basis Rs. 291 and for Rs 5000 pension he has to contribute Rs. 1,454
| Age of Joining | Years of Contribution | Indicative Monthly Contribution for Monthly Pension of Rs 1000 and Corpus of Rs 1.7 Lakh(in Rs.) | Indicative Monthly Contribution for Monthly Pension of Rs 2000and Corpus of Rs 3.4 Lakh(in Rs.) | Indicative Monthly Contribution for Monthly Pension of Rs 3000 and and Corpus of Rs 5.1 Lakh(in Rs.) | Indicative Monthly Contribution for Monthly Pension of Rs 4000 and Corpus of Rs 6.8 Lakh(in Rs.) | Indicative Monthly Contribution for Monthly Pension of Rs 5000 and Corpus of Rs 8.5 Lakh(in Rs.) |
| 18 | 42 | 42 | 84 | 126 | 168 | 210 |
| 20 | 40 | 50 | 100 | 150 | 198 | 248 |
| 25 | 35 | 76 | 151 | 226 | 301 | 376 |
| 30 | 30 | 116 | 231 | 347 | 462 | 577 |
| 35 | 25 | 181 | 362 | 543 | 722 | 902 |
| 40 | 20 | 291 | 582 | 873 | 1164 | 1,454 |
Atal Pension Yojana (APY) and Swavalamban Yojana NPS Lite
How to open Atal Pension Yojna Account
- Submit the APY Form
- Provide Aadhaar No and Mobile Number
- Deposit the initial contribution according to the type of pension opted.
If one does not have a Bank Account
- Provide KYC Documents and open a Bank account by providing KYC document and Aadhaar
- Submit a signed APY proposal form
- Savings Bank account details, mobile number and authorization letter to the bank for the monthly auto debit option for remittance of contribution. •
- Spouse/Nominee details in APY form
Charges for not paying Monthly Contributions
In Atal Pension Yojna monthly contribution would automatically be deducted from Subscriber’s bank account. Subscriber should ensure that the Bank account to be funded enough for auto debit of contribution amount. If there is delay in contributions then Bank would levy penalty. The fixed amount of interest/penalty will remain as part of the pension corpus of the subscriber.
- Rs 1 per month for contribution upto Rs. 100 per month.
- Rs 2 per month for contribution upto Rs. 101 to 500 per month.
- Rs 5 per month for contribution between Rs 501 to 1000 per month.
- Rs 10 per month for contribution beyond Rs 1001 per month.
Discontinuation of payments of contribution amount shall lead to following:
- After 6 months account will be frozen.
- After 12 months account will be deactivated.
- After 24 months account will be closed.
Exiting from Atal Pension Yojna
- On attaining the age of 60 years: The exit from APY is permitted at the age with 100% annuitisation of pension wealth. On exit, pension would be available to the subscriber.
- In case of death of subscriber pension would be available to the spouse and on the death of both of them (subscriber and spouse), the pension corpus would be returned to his nominee.
- Exit Before the age of 60 Years: Exit before 60 years of age is not permitted however it is permitted only in exceptional circumstances, i.e., in the event of the death of beneficiary or terminal disease.
- Saving For Retirement : Pension Plans,NPS,EPF,PPF
- Checklist for buying Life Insurance Policy
- Discontinue Life Insurance Policy: Surrender,Paid Up,Loan
- Investing:Think about Liquidity,Safety,Returns,Risk,Tax
- What is ULIP or Unit Linked Insurance Plan
These insurance schemes intentions are well but how they would be executed and how would be the response , only time will tell. What do you think of these insurance schemes? How have you planned for your retirement? Do you have insurance and pension plan?
Dear Customer, Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an annual premium of Rs 12. To subscribe SMS PMSBY Y to 5676712 from your registered mobile number. Premium amount will be debited from Your HDFC Bank Savings Account. For T & C & other details click
1,232 responses to “Pradhan Mantri Suraksha Bima Yojana,Pradhan Mantri Jeevan Jyoti Bima Yojana and Atal Pension Yojna”
This Pradhan Mantri Suraksha Bima Yojana,Pradhan Mantri Jeevan Jyoti Bima Yojana and Atal Pension Yojna is very beneficial to Indians. Great work
CAN 1 PERSON CAN APPLY ALL 3 schemes (APY,PMSBY, PMJJBY)
I had cancel my apy, as said on circular the premium of my monthly contribution will be refund to account, so how can i get it? my apy period time sept 2016 to january 2017.
Here is how you need to proceed:
Walk up to the bank where you opened your APY account.
Ask for APY account closure form. Fill in the form properly with all necessary details and submit the form.
The bank will process your account closure form and will refund the money you deposited under APY to you provided savings account number. You will get a notification when the money from your APY account hits your preferred savings bank account.
Once the bank processes the closure application form, here is what the bank will do:
Bank will first calculate the amount of money you have contributed to your account and the amount of money that has been contributed by the government.
Bank will then calculate the amount of interest earned by your deposited money and the interest earned by government’s deposited money.
Once these calculations are done, the bank will set aside the government contribution and the interest earned on government’s contribution.
Once that amount is separated, the remaining amount is your money (which includes the amount you deposited and the interest earned by that deposited amount).
Once the bank has calculated the money it owes to you, the bank will then calculate the amount of money that has been spent on maintaining your account under APY. This maintenance amount will be deducted from your money (your deposited amount and your interest earnings).
The remaining balance will be refunded to your savings bank account and you will be notified that your APY account has been closed.
Sir,
I have an APY at Katwa SBI Main Branch IFC COde-SBIN0000111. Now I want to transfer this saving bank account to Burdwan Main Branch IFC Code-SBIN0000048.
Will there be any problems for subscription and deduction from this account after transfer?
Thanking you,
No there should not be any problem.
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this is the most useful and admirable post which really helped me to solve my problem.
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Where ever I look I found an useful post. I am really thankful to the Admin of this page.
I hope you will continue writing good quality post as you are writing now a days.
Best of luck.
thank you sir, Bas aap se ek gujaris hai ki jo bhi BPL card wale ho unhe lone dene ki kripa kare kam se kam lagat per plese sir
Sir mere father ki death last month 54 ki age mein hui hai to ky unhe jyoti bima ki 330 rupees wali policy ka claim ammount milega??
An unique scheme – Now can you please do something better with ESI , person those who have already retired from Private concern, but not getting any pension and have not yet spend a single money with ESI hospital. Many senior citizens are asking for the same and not getting proper facilities. Please arrange online remittance of renewal payment. Thanking you
I need this Scheme, need a Bima Policy today for the life saving.
Sir
Meri sister NE pmjjy liya tha unfortunately pmjjy lene ke 41ve din uski death ho gayi
Kya unka nomini ko claim milega
Milega. Insurance ka purpose hi yehi hai.
Aap apne bank to sampark karen!
mera ICICI bank or SBI me SB a/c hain,ICICI Bank main may2015 mein ne dono SMS kiya tha PMSBY & PMJJBY ke liye,but koy amount debit huya nehii ,usske baad SBI bank mee PMSBY & PMJJBY ka application form fill up korke dhono policy hoo giya,kuch din baad ICICI bank me bhi again hoo giya,ICICI bank me sampark kiya too bola ek thow cancelle hoo jaega,but Rs.330/-& 12/- not return to my any bank account,dono bank mee dotho policy generat huya,and this year dono bank seI SMS aaya ki 31/5/16 Rs.330/- & 12/- auto debit ho jaega.kaya kare,please help me,main chahata huu ek bank se debit huye….(+91-94332-18668)
Please ask one of the banks that you don’t want to continue as you have already enrolled in another bank.
From our article FAQ & List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Pradhan Mantri Suraksha Bima Yojana (PMSBY)
In case of multiple saving bank accounts held by an individual in one or different banks, the person would be eligible to join the scheme through one savings bank account only. So You can have one type of insurance policy per saving bank account.So with same saving bank account you can take 1 Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & 1 Pradhan Mantri Suraksha Bima Yojana (PMSBY). One can also take Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) from 1 saving bank account & Pradhan Mantri Suraksha Bima Yojana (PMSBY) from other saving bank account.
But one cannot enrol for more than 1 Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) or Pradhan Mantri Suraksha Bima Yojana (PMSBY) policy. In case one buys Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Pradhan Mantri Suraksha Bima Yojana (PMSBY) covered through more than one account and premium is received by insurance company , insurance cover will be restricted to Rs. 2 Lakh and the premium shall be liable to be forfeited.
Money got auto debited through bank for schemes PMSBY & PMJJY for financial year 2016 – 2017, but renewed policy is not send to registed mail id till now, Since last policy is valid till 1 June 2015 to 31 June 2016.
i also want to withdrew from the scheme, i enrolled in syndicate bank, what is the procedure for doping the scheme.
Do TAX Deduction apply to PMJJBY, PMSBY and PMAPY under 80C? Rather can policy documents associated with the above work as investment proofs for tax benefits?
Also, is there any URL where I can check the account details for my PMAPY scheme. My bank has no idea about this.
No there are no tax deduction for PPJJBY,PMSBY.
Initially there was no tax exemption on the premium amount paid in Atal Pension Yojana scheme. But a recent circular from Income tax department says that APY would have same benefits as NPS this means that premium amount paid can be claimed under section 80CCD. Current Limit for 80CCD tax exemption is rs 50 thousand. Ref
Periodical information to the subscribers regarding balance in the account,contribution credits etc. will be intimated to APY subscribers by way of SMS alerts.
The Subscriber will also be receiving physical Statement of Account. Periodic statement of APY account will be provided to the subscribers.
Have you received any SMS,information?
Can I enroll for the Pradhan Mantri Suraksha Bima Yojana now ?
I had not enrolled last year .
If not is there any other policy which I can enroll this year at affordable cost
you can enroll any time in your respective bank account.
sanjeet kumar thakur(indian bank)
I had enrolled for PMJJB through a auto voice call from HDFC. However did not get any confirmation/certificate. Then I had enrolled through Netbanking and got certificate. But now, I am observing that there is already a debit based on the first voice call. Now, I have 2 policies. How do I cancel one and get refund?
Regards
one cannot enrol for more than 1 Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) or Pradhan Mantri Suraksha Bima Yojana (PMSBY) policy. In case one buys Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Pradhan Mantri Suraksha Bima Yojana (PMSBY) covered through more than one account and premium is received by insurance company , insurance cover will be restricted to Rs. 2 Lakh and the premium shall be liable to be forfeited.
Please get in touch with the bank and ask for refund.
Dear Sir
Myself and and my wife have already enrolled and had submitted our forms ,which are as follows:_
Swapan Bhattacharya – Policy No- SBI 12378201532209083241
Ila Bhattacharya – policy No- SBI 12378201532209083112
Above forms were being submitted on November, 2015 and till now our premium amount has not been deducted from our SBI Bank account. Please help us and let us know where to put our complaint
hi,
AT SVC bank iam open the PMJJBY &PMSBY DT. 24.07.2015 , BUT TILL DATE BANK NOT DR. ANY RS. 330 & 12 AT MY ACCOUNT , I AM ASKING BANK TODAY SCHEME IS CLOSE SO YOUR MONEY IS NOT DR. AT YOUR ACCOUNT, BUT I AM REQUEST TO BANK BUT HE SAY THIS SCHEME MANAGEMENT NOT INFORM ABOUT THIS SCHEME IS RUNNING OR NOT TODAY, SO KINDLY INFORM TO ME THROUGH MAIL OR MOB. NO. 9920320920 IS THAT TRUE OR NOT
good schemes,but its not reaching out to each and everyone in the country,implementation and advertising is very poor,should be brought to notice of the government.
I have subscribed this jeevan jyoti and jan dhan yojana but due to some problem I WANT TO STOP OR DISCONTINUE THEM???????????WHAT IS THE PROCESS?????????????
Submit application to bank so that premium is not deducted for next year.
This year the premium will not be refunded and you can enjoy the cover till May 31
I need this Scheme, need a Bima Policy today for the life saving.
How can i download SBI PMSBY Insurance Certificate ???
There is no place that we know of from where you can download the certificate. Your bank has to provide the policy. Contact your bank.
can i get this scheme for my brother if i can then how?
can i get this scheme for any other person like my brother
Hi Sir, How to check the status of Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) as i applied in HDFC Bank , please provide the procedure.
Thanks
Naresh Kumar.
Whenever I go to our nearest SBI branch,UJALPUR,SUNDARGARH,ODISHA;then the bank staff are saying to me that the validity date of PMSBY & other Bima Yojan’s are already finished. Where I had visited to branch office from March to till date 08.08.2015; they were told me the same sentence.
What I can fill up my Bima Yojana now?
dear
this scheme is just started, please contact nearest post office or nationalized bank, every bank is authorized to open account under this scheme,account may be opened till 26th January, 2016, the date may be extended
regards
Dev Sharma,
22/07/2015
I hd applied for PMJJBY. When i downloaded the policy certificate, I hv found that nominee is mentioned wrongly as my self name. Pls let me know, how it can be changed.
Thanks
It can be changed at the nearest bank or post office from where have you got the PMJJBY
Hi sir/madam
i have applied for PMJJBY from AXIS banck but now i want to change nominee name which i gave applying time.
please help me on this.
Advance thanks!!!
Please visit the branch and tell them clearly the issue. Please chase them.
account open a form
Dear Sir Or Mam..
mane Pradhan Mantri Jeevan Jyoti Bima Yojana me sbi se online form bhar diya he aur approved bhi ho gaya.form me nominee me meri wife ka name he
par usme mistake me is minor me tik ho gaya he to use me change karna chahta hu to kese hoga..pls help me.. thank.you..
Aap bank jaiye, woh appko nomination form de denge. Aap usme nomination change kar dijiye.
Dear Sir,
I m Live in Oman Employment VISA and I have NRE (Non-Resident External)bank account, Can I take (PMJBY) Pradhan Mantri Jeevan Jyoti Bima Yojana Scheme?
i join PMJJBY this month.my query is this,the bank manager said if u have any other policy(not same) then the claim is not pass.is that true?
Not true at all. I have personally taken it and I have other policies.
sir,
Mera A/c. SBIndia ki Y. N. Road, Indore men hai. maine 8 din pahle Pradhanmantri bima yojna ka form bhar kar diya. magar aaj din tak bima yojna lagu nahi hui. inquiry karne par mujhse kaha gaya ki abhi to mahine bhar pahle ke form bhi rakhe hue hai. Tumhara No. ayega tab ho jayega. men kya karu, kripya upay batayen.
Intezaar karne ke alwa aap kya karna chahte hain.
Kya aapka paisa deduct ho gaya ..agar nahin tu aap cancel kar sakte hain
varna aapki insurance der se shuru hogi hai..
U Should open it through internet banking it opens within 5 min
which death (accidental or Natural death) is covered under Atal Pension Yojna (APY). Please define.
Dear Rajan,
Pension is different from risk cover. Pension is the money which you get when you are not able to work. In case of death, the pension will be given to your nominee and in case of the nominee death, the remaining amount will be sent to his/her nominee.
i have an account with axis bank can i take part in atal pension yojana with this bank.
I checked Axis bank and couldn’t find them providing APY.
You could check with the bank. If it provides you can enroll from APY from Axis Bank
My age is 33. I want to enroll APJ plan.
But my confusion is who will be the nominee: my wife or my son?
If my son is the nominee then after I die will my wife get the pension?
Please clarify?
Typo: its APY plan.
U can give any one as nominee which you Like to get pension i.e wife of son.
My age is 35 year and i m staying in Ahmedabad. I want to take APY scheme in the Rs.902 premium and i will give premium upto 60 year age (25year) then i will start the pension of Rs.5000 from the Government. My name is main in the form then my wife is a nominee and if myself and my wife no more then my son is nominee so i want to know that after 3 to 4 year i will dead then who will get the pension and if Myself and my wife both are dead then how much money my son get from the government? The scheme is continue or stopped?
Hi Hemal,
In case of both of you are dead, the remaining amount handed over by you to government will be given to the nominee your wife has chosen.
श्रीमानजी,
अटल पेन्शन योजना में जो लास्ट मै अभिदातावोकी नमिती को मिळणे वाली मुलनिधी १.७०,३.४,५.१,६.८,८.५, ये राशी कब मिलेगी.
Shashikant,
The minimum age of joining APY is 18 years and maximum age is 40 years. One needs to contribute till one attains 60 years of age.
The Table of contribution levels, fixed monthly pension to subscribers and his spouse and return of corpus to nominees of subscribers and the contribution period is given below. For example, to get a fixed monthly pension between Rs. 1,000 per month and Rs. 5,000 per month, the subscriber has to contribute on monthly basis between Rs. 42 and Rs. 210, if he joins at the age of 18 years. For the same fixed pension levels, the contribution would range between Rs. 291 and Rs. 1,454, if the subscriber joins at the age of 40 years.
How to read the table.
30 30 116 231 347 462 577
If you join at 30 you have to put money till 30. For monthly pension of Rs 1000 you need to contribute Rs 116 and would get corpus of 1.7 lakh, Rs 231 for monthly pension of 2000 Rs and corpus of 3.4 lakh.
Hope it helps
Dear Concern,
Kindly share Outsourced companies details of PMSBY. Some companies are offering to do project but i am confused because as per information of Gov website and other sources it comes to know that bank will complete it directly.
Regards,
Vimal K
Hi,
I had applied for the Pradhan Mantri Yojana Jeevan Jyothi from ICICI bank but i never got an intimation regarding my application being registered. thereafter I went to SBI and applied and was aware the application was registered. After few weeks ICICI sends across a message that policy has been issued. I tried to cancel it but the ICICI Bank people are not aware of the policy details for cancellation. I stand to have my isurance becoming void. Please do let me know if there is a possiblity to cancel the policy as well as get my account credited with the money debited. if yes kinldy guide me through
you need to contact ICICI HO they will contact insurance company. It may take some days but policy will definitely get cancelled and your money will be refunded.
Dear
Mam/sir
this PM yojna Amount will be auto debited My account. next year or not.
because i want cancel It please help me.
How to cancel .for Amount will not auto debit next year my ac.
It auto renewal by default, but you can submit a letter to your bank branch for not making it auto renewal
Hello
I have enrolled to this scheme.
PMJBY & PMSBY
And
amount got debited from my Central bank. Now, I
want
to #cancel it.
Could you please tell me, How to cancel this
policy?
Do help
plzzzzz!!!!!
Dear Sir/Mam
I have one question. Can I mention new name of my wife (after marriage name) as a nomine? Before marrige-Shama & Now Veena. Please guide me.
What is her name in id proof such as Aadhaar or PAN Card.
Sir regarding the name of wife please think of what name she would continue with.
Our article Changing Name:What to do? talks about it detail
yes you can feed both name in your nominee column i.e.Shama Urf Veena….
or Veena Urf Shama so in any further circumstances there should be not any problem by God grace.
I have been miscommunicated about the policy premium in HDFC bank and therefore I want to cancel it.
But there are mixed responses one time the customer desk says the bank will cancel it, one time they say that I have to send an application letter for cancellation.
Please communicate the precise way
I am at age of 41, if I apply for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and I will pay premium of Rs.330 per annum till the age of 55 yrs. After 55 years whenever I died by accidental or natual death (may be I died 80 yrs) in that case my nominiee will get the beneficial amount ie. 2 lacs.
sir
i am 37 yrs now i have taken a atal pension yojana
if something happened after 10 years to me the amount will go nominee
can i change my nominee name afterwards .
how to I get the pm polices.
pls tell me?
I enrolled both PMSBY and PMJJBY through corporation bank. But they have not provided the acknowledgment or policy document. When asked they told to contact insurance companies. when i contact insurance companies they told there is no policy documents issued for this scheme separately to each person as it is group policy. I really confused, what is the problem in providing the acknowledgment or policy document or any other which gives the details about the insured person and his nomination made. Is it possible for my nominee to claim without acknowledgement or policy document. Though the scheme is good, Now i am in mind to cancel because of this.
You need not have a document for the same as your premium amount is being deducted at your own SB account that deduction transaction itself acts as document , the same can be claimed by your nominee submitting supported documents with their ID proofs
How to claim these policies were availed.which prosissure.
Sir did you mean
– how to know whether policies were claimed – you should get a policy document
– how to claim , for PMJJBY and PMSBY nominee has to visit the bank from where the policy was take and submit claim document, death certificate etc.
You need not have a document for the same as your premium amount is being deducted at your own SB account that deduction transaction itself acts as document , the same can be claimed by your nominee submitting supported documents with their ID proofs
dear,sir
મેં apy યોજના માં મારૂ અને મારી વાઈફ નું ખાતું ખોલવ્યું. પરંતુ મારી વાઈફની જન્મ તારીખ બેન્ક મેનેજરની ભૂલ ના કારણે 06/06/1986 ની જગ્યાએ 06/6/1988 કરી હતી. તેના કારણે મારી વાઇફ ની ઉમર માં 2 વરસ ની ભૂલ આવી. મને બીજા દિવસે જ્યારે ભૂલ વિષે ખબર પડી ત્યારે હું બેન્ક માં ગયો અને મેનેજર સાહેબ ને જાણ કરી તો તેમણે બેન્ક અકાઉંટ નું ફોર્મ મંગાવ્યું. અને ડોકયુમેંટ ચેક કરી ને જન્મ તારીખ સુધારી દીધી. પરંતુ APY ના ખાતા માં તો ભૂલ નહીં સુધરે તેમ કહ્યું. તો તે ભૂલ સુધારવા માટે મારે શું કરવું. પ્લીઝ યોગ્ય માર્ગદર્શન આપશો ? મારે પાછળ થી કોઈ પ્રોબ્લેમ તો નહીં થાય ને ?
Kya main online kuch pension yojona Kara sakti hu..
Aap kya Atal pension yojna ki baat kar rahi hain yaa kuch aur ki?
need nps( pran card) franchisee ? Pan card franchisee ? E- Insurance franchiese ?
i am back guys. anybody interested to sell these three services ( as service agency or Service center) can contact me. any state any city..
sunil arora 8427029001, 9877770001
thanks & Regards
need nps( pran card) franchisee ? Pan card franchisee ? E- Insurance franchiese ?
i am back guys. anybody interested to sell these three services ( as service agency or Service center) can contact me. any state any city..
sunil arora 8427029001, 9877770001
I have enrolled for both PMJJBY & PMSBY by online in SBI A/c. When i enquiry to bank about physical/email policy document, bank refused for policy document. Is it correct method ???
No it’s not correct. You are supposed to get atleast online policy document. The bank may also not be aware of it.
How long it has been since you availed PMJJBY & PMSBY ?
Even I have taken PMJJBY online and till datee i havent recevied any receipt of acknoledgment .
Some document should be there for future refernce and online banking has deducted Rs.330/- twice i dnt know why ..
could some one help me out
If you are doing ONLINE you should received immediatly Acknowledgement paper with Master policy Number
i also did not get acknowledge till now …i have applied online . what to do. bank are saying that online application we cannt give certificate.
Yes that has been bane of all the Yojnas. I have also applied and have just got one certificate.
I would like to cancel my PM Policies.
Kindly guide me , how to cancel the Policies 12 Rs and 330 Rs
We don’t know how to cancel them – they don’t have 15 days free look unlike other insurance polices. We’ll try to find out
But we are intrigued – why do you want to cancel.
can we paid preamium amount for six months or one year?
Premium for PMSBY and PPJJBY would be once a year before 31st May.
Premium for APY is monthly which will be auto debited from saving bank account
Hi,
Can 1 person avail for 2 schemes at a time. The 12 rs and 330 rs either from the same bank or from different banks. If yes good and if no why.
Preferably you should get it from same bank. Easy to maintain.
I have personally got it from same bank.
Both the insurance schemes at same bank. If done from different banks
all indians are thankful for these yojnas of government but there is a question in my mind that what is the benefit of the yojnas for our governments and banks
great pm for nation
what if I opt for Pradhan Mantri Jeevan Jyoti Bima Yojana and I die after 55 years , do the nominee get the amt..
No Sir . If one enrolls for PMJJBM one has to pay premium till one is 50 years of age. The cover is till 55 years of age. If subscriber passes away after 55 years nominee does not get anything. As PMJJBY is a term insurance plan
Is NRI can take this policy, without aadhar is it possible to take policy.
I mean APY
It is not mandatory to provide Aadhaar number for opening APY account for subscriber . However,For enrolment, Aadhaar would be the primary KYC document for identification of beneficiaries, spouse and nominees to avoid pension rights and entitlement related disputes in the long-term
There is no information on whether NRI can or cannot apply
We will try to find out if you get some information do let us know too.
My query is this that if we don’t save acknowledgement after conformation in psby how can we find it.
As The money is deducted from your saving bank account you do have the proof.
You should get the policy document.
Sir please contact your bank.
Dear Sir,
Want to know about PMJJBY & PMSBY i have enrolled for both. If something happened to me how the Nominee will claim this amount & whom to approach for the same.
If i have other company insurance still i will nominee will get the claim?
Kindly advise.
If the subscriber passes away then nominee has to inform the bank branch from which policy was taken. On receipt of death intimation, the servicing bank branch shall send the Claim form , Death Certificate, Discharge form and Certificate of Insurance from the nominated Beneficiary to Insurance company. On admission of the claim, the claim amount will be paid to the bank account of the nominee with intimation to the designated branch of the Bank .
In case of requirements or claim is not accepted, the same will be intimated to designated branch of the Bank. Please inform the nominee of the paper work.
Hello,
My age is 42, without knowing the details of
PMJJBY, I have enrolled to this scheme. And
amt got debited from my Central bank. Now, I want
to #cancel it.
Could you please tell me, How to cancel this
policy?
Do help
Sir PMJJBY is Available to people in the age group of 18 to 50 and having a bank account.
So you are covered for life insurance of 2 lakh till May 2016. If you don’t like the policy you can cancel it next year.
PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA
• PRADHAN MANTRI SURAKSHA BIMA YOJANA
I have enrolled for both using HDFC bank and they have deducted the premium as well, but when and how will i get the policy documents? Also can this premium be used for tax rebate? i know the amt of tax saved will be negligible, but just asking..
Pradhan Mantri Suraksha Bima Yojana
PRADHAN MANTRI SURAKSHA BIMA YOJANA
I have enrolled for both(via HDFC bank), how and when will i get the policy document? One premium is already taken by HDFC
Also is this eligible for tax deduction, i know the tax saved on both is negligible, but still valid question right?
Hello Sir,
I am a law student(4th year). I really want to know is there any scheme covered under Pradhanmantri Yojna, where a student can invest so that he/she can be financially benefited after the maturity of the short term investment plan, like after 2 or 3 years.
Thank you for time and consideration.
No Mahima not that we know of. If you have need money after short time then do not fully invest in equities or equity mutual fund due to volatility.
As a student your income would be less than basic exemption limit so you can invest in a Recurring Deposit for which though interest is taxable would not affect you because of your income. You would have to get PAN and submit Form 15G.
Does that make sense to you?
I have registered myself through Net Banking in PMJJBY & PMJSBY but even after many days I have not recieved acknowledgement,any information and policy documents etc.So is there any sources online from where I can get necessary documents? Pliz suggest.
I am a Telangana State Government Employee. CPS will be deduction from my salary.
My age is 42 years. Is policy PMSBY and PMJJBY useful to me? in what way?
IS AADHAAR NO IS NECESSARY FOR ATAL PENSION YOJNA
If you look at the form of Atal Pension Yojna Aadhaar does not seem mandatory.
FAQ says
It is not mandatory to provide Aadhaar number for opening APY account. However,
For enrolment, Aadhaar would be the primary KYC document for identification of
beneficiaries, spouse and nominees to avoid pension rights and entitlement related disputes in the long-term.
But Aadhaar is becoming more and more important so we would suggest you to get for yourself and your family members. Even Income Tax return forms need Aadhaar.
Is there any particular reason you don’t want Aadhaar
I have enrolled(only basic deatails filled when email sent from bank) for both suraksha bima and jeevan jyoti bima yojana & my amount has been reduced from HDFC Bank account. I dont have any policy document/Nominee details for both policy. Can I get policy document? Can I update Nominee details.
SIR,
i haven’t open any pension account though i am a student,age 25…..would you give me some idea…thk u
Dorjay,
Pension is a fixed amount you get every month.
If you join APY you can choose how much pension you want 1000/2000/3000/4000/5000. For remaining 35 years i.e till you become 60 you will contribute corressponding amount. 151/226/301/376
After attaining 60 years you will get monthly pension for amount you have chosen.
After death of subscriber the spouse gets monthly pension for life.
After death of both subscriber and spouse the nominee gets lump sum amount.
As you are a student i.e not income tax payer and not covered under EPF scheme Govt will co-contribute 50% or Rs 1000 which ever is lower for 5 years or till you satisfy the above conditions
Modi government. Atal Yojana retirement pension.
A Calculation.
@@@@@@@@@@@@@@@@@@@@@@@@
Arrive age. – 18
Years of paying – 42
Rupee paying Rs42 / =
Atal retirement pension Yojana By project
Get a payment of – 17000.00
Monthly pension. – 1000.00
@@@@@@@@@@@@@@@@@@@@@@@@@
Calculation of the Post Office.
Arrive age. – 18
Years of paying – 42
Rupee paying Rs42 / =
Pay at the post office
interest of 8.4% per annum (quarterly
compounded) and recive a amount Rs 193673.00
The sixty-year-old senior Citizen for Rs 193673.00
Will receive interest rate of 9.3% per annum.
Monthly income by interest 1500.00 / =
??????????????????????????????
hi i have ENROLLED IN ATAL PENSION YOYNA but i am a tax payer. If i continue the scheme shall i get pension after 60 year? if anwer is yes then what will be rate of interest i will get on accomulated amount.
Yes Maam. Being a tax payer means that Govt. will not co-contribute into your APY account.
APY, Government will co-contribute 50% of the total contribution or Rs. 1,000/- per annum, whichever is lower, to the eligible APY account holders who join the scheme during the period 1st June, 2015 to 31st December, 2015. The Government cocontribution will be given for 5 years from FY 2015-16 to 2019-20.
Insurance cannot be compared to investment. You will get pension for rest of life. After your death your husband will get pension for rest of life. And then nominee will get a lump sump amount.
This scheme is very use full for every Indian.Modi government is great.
hi…
my mom n dad and my sister n brother has given my name as nominee. kya muze in charon ke marneke baad 8laakh milenge….?
Jee haan unless they change their nominee
Hello sir,
I took all the 3 policies for both my wife and myself. I have a question regarding the pension policy. We have specified nominee as each other, that is: I have specified the nominee as my wife and she has given my name as nominee.
as per your replies to the questions above, If a person dies, spouse gets the pension and if the spouse also dies then the nominee get the total amount. So, if the nominee is spouse then what happens once both are dead? Should we specify nominee as our child, as anyways the spouse would be getting the pension every month on death?
Please clarify.
Thank you.
Sir For Atal Pension Yojna the name of nominee should be other than wife/husband. As you rightly pointed out nominee is name of spouse who will get the lump sum amount. So please do change the nominee
Hi sir/madam,
I read some of your query solving things, they were too good. I hope my querry also to be get resolved.
Query:
I met an accident in 2012, I have one more operation to do now(2015). Am I eligible for that operation is covered in bima yojna…pls reply. It will helpful for many people.
Sir Bima yojna does not cover hospital expenses. It is not medical insurance.
if person joined Atal Pension Yojna, he will contribute till age of 60 years
eg…..
If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month. On his death his wife would get Rs 1000 per month and after her death the nominees will get 1.7 lakh.We understood….
But Clear the death period for taking benifits of Corpus.
eg, Period Between Year of Contribution / After Contribution / Both period
Insurance covers one when the premium is paid.
So once the person who subscribes to Atal Pension Yojna passes away any time after taking the APY plan, the spouse will start getting pension without paying extra premium.
Schemes are really good…but will 1000 or 5000 pension is good as per increasing inflation. ….at time when we reach 60…
Itne paise me itna-ich milega 😀
Hello,
My age is 57, without knowing the details of PMJJBY, I have enrolled to this scheme. And amt got debited from my icici bank. Now, I want to cancel it.
Could you please tell me, How to cancel this policy?
Do help
Sir,
Your request should have been rejected and money refunded. Please bring it to notice of ICICI bank
You can call 1800-180-1111 / 1800-110-001
My wife age is 37 years.
She is house wife and is having PAN No.
She is also having PPF account.
She is filling NIL Income Tax Return.
Can she is eligible to applying APY.
If eligible, can govt. will be contributing in this scheme i.e. 50% of the contribution.
Sir,
These policy are very concinious.And profitable sovery nice
Yes Sir she is eligible to apply for APY.
Govt should contribute 50% of the contribution . Please do keep us updated.
I AM VERY VERY THANKFUL TO SH. MODI JI (PM OF INDIA) FOR THE BIMA YOJANA
Sir
As per the Atal Pention Yojana, those who are contributing EPF thery are not eligible for the pension. Suppose one person 18 yrs old he started the pension scheme. After 5 yrs he is in service & he is started to contribute the EPF. In this case whether he is eligible to get the APY pension.
Sir,That is not so.
So if you have an EPF account you can still open Atal Pension Yojna account but government will not contribute to your APY account. You would have to make full contribution for selected pension amount.
As u mentioned if a person has EPF account then also he is eligible for opening APY account but he needs to make full contribution. I would like to know what do you mean by full contribution In APY scheme? And when and how does govt does 50% contribution in APY scheme?
Hi
If any maturity amt we will get from PMSBY and PMJJBY
Maam, this is an insurance scheme and not investment scheme and that too which offers only protection. Something like buying helmet, you buy it to be safe not to think money is being waster if its not used
There is no maturity amount
Comparison between Jeevan Jyoti Bima Yojana (PMJJBY) vs Suraksha Bima Yojana (PMSBY)
PMJJBY is offering more benefit than PMSBY with very less premium and the age bracket is more offered by PMJJY. Any reason? are there any hidden benefits in PMSBY or hidden cost in PMJJY.
Interesting question Kiran.
The two polices are different, PBSBY is for personal accident while PMJJBY is for life
I want to change my nominee’s name in PMSBY Policy (as my nominee is a minor), in that case is there any provision to change nominee’s name through SMS or directly through internet?
Change of nominee Form has to be filled in. This is still not available.
Sir,
My question is regarding APY.
1) If the policy holder dies soon after enrolling the scheme, what will happen ? Is the policy in force ? If yes, is remaining premium to be paid ? And who will pay ?
2) Suppose the policy holder dies at an age of 80 years and his wife dies on 87 years, will his nominee get the bulk amount(eg:8.5 L for monthly pension of Rs. 5000/)
sir,
1. The insurance works like this, one takes a cover and pays premium. if one dies during the cover period the insurance comes in. So if one dies anytime after taking APY the spouse will start getting pension. The premiums won’t have to be paid.
2. Your understanding is correct. Yes if policy holder dies at age of 80 years then the spouse starts getting pension. When spouse dies at age of 87 years, nominee gets the bulk amount.
THANKS “SABKA SATH SAB KA BIKASH” THIS IS THE RIGHT SCHEMS AND YOJANAS FOR THE BENIFITS OF THE MEASURE CITIZEN OF INDIA
THANKS “SABKA SATH, SAB KA BIKASH” THIS IS THE RIGHT SCHEMS AND YOJANAS FOR THE BENIFITS OF THE MEASURE CITIZEN OF INDIA
Thanks, India
Dear Sir/Kirti Mam n Bemoneyaware Team,
I am a CSP to SBI-Kiosk Banking.
Heartly thanks to Ho. PM Modiji and to all of you !
Thank You Arvind
Sir,
I have two queries regarding the atal pension yojna, please clarify:
i) Can my wife(housewife) apply for this yojna, specifying myself(government employee) as the nominee.
ii) Starting 60yrs of age for how many years she will get the pension? For example i am opting for 5000 as the pension amount, will she get it till her death or maximum of 8.5lakhs. (850000/12*5000)
Starting 60yrs of age for how many years i will get the pension?
Sir, if someone subscribes to Atal Pension Yojna, anytime the person dies(before or after 60 years), the spouse gets the pension.
If person live till 60 years he gets pension till he is alive.
After death of spouse the nominee gets lump sum amount corressponding to monthly pension 1.7 lakh if one went for Rs 1,000 of pension, 8.5 lakh if one subscribed to 5000 Rs monthly pension
Yes Sir
1. You and Your wife can both apply for this yojna if you are between 18-40 years. You &your wife can nominate your child. Each of you can mention spouse name.
As your wife is home maker – she would not be paying any income tax and would not be covered by any Pension scheme so for 5 years Govt will contribute. In APY, Government will co-contribute 50% of the total contribution or Rs. 1,000/- per annum, whichever is lower, to the eligible APY account holders who join the scheme during the period 1st June, 2015 to 31st December, 2015. The Government cocontribution will be given for 5 years from FY 2015-16 to 2019-20.
2. Once the pension scheme starts In case of death of the Subscriber due to any cause pension would be available to the spouse and on the
death of both of them (subscriber and spouse), the pension corpus would be
returned to his nominee.
i had given nomination to the bank for PMJJBY scheme.now i want to change.can bank modify ?
Yes Sir you can change it. But forms are not available. If you could find and update us are change of nomination form available it would be beneficial to other readers.
I am 27 and I have enrolled today for both suraksha bima and jeevan jyoti bima yojana, and my question is – if I died accidentally then how much amount my nominee will get,whether it’s 2 lakhs or 4 Lakhs(for both the plans)?
If accidental death, 2lakhs from both scheme, together 4lakhs. In case of natural death, 2lakhs from jeevan jyoti bima yojana only.
4 lakhs
Modi is a real prime minister for poor person. thanks modiji.
CAN THE POLICY BE TAKEN NEXT YEAR???
You can take these even now. Cover will be from 1 June 2015 to 31 May 2016
I donot have Adhar card but i have saving actt.no147010100086790 in Axix bank jammu bahu plaza.when i aproached the bank they refuse to provide me accidental insurance inspite of pan no. already provided in the actt.
My husband & children also donot have Adhar card but they got the insurance from J&k bank & PNB .my contact no 9419196946
kya in dono yojna ka her saal ka primium same hoga.
Jee haan
PMSBY ka premium Rs 12
and PMJJBY premium is 330 Rs
sir thanks for giving us such a wonderfull saving cum lifeinsurence cover guidence .
If I am having “Pradhan Mantri Jeevan Jyoti Bima Yojana” and if i died at the age of 55(natural death) will be my nominee receiving the insurence cover amount ??
Maam if a subscriber subscribes to PMJJBY and pays premium till 50 years of age, at any time on death of the subscriber,natural accident, nominee will get 2 lakh Rs.
Do i need to submit the form in bank? Can’t I just send the SMS or enroll it online? Please reply.
Banks like SBI, ICICI, HDFC Bank are allowing people to apply through internet banking. Soon most of the banks will also provide the facility.
If your bank provides subscribing to these social security schemes through internet you can do so,
For example for ICICI bank
Pradhan Mantri Suraksha Bima Yojana
To Apply:
Through Internet Banking, please login to your Internet Banking account at ICICI Bank and follow the navigation :
Service Requests > Bank Accounts > Enroll for Pradhan Mantri Suraksha Bima Yojana
Or
Through mobile, please send SMS PMSBY Y to 5676766 from your registered mobile number.
Dear Kirti Mam,
Thanks for your kindly responses with highly patience !
1) If some one wants to join all the three yojnas and wants to pay FULL PREMIUM in all of them in one instalment at the beginning, whether this is permissible to him/her ?
2) In APY, is any document required such as for date of birth proof or income proof?
1. For PMJJBY and PMSBY premium is to be paid every year. For Atal Pension Yojna premium payment is monthly but it will be auto debited from the account.
2. Your date of birth is same as in the bank records.
sir, is there a chance to enrol in june for PmJJY and PMSBY
Upto what age pension will bw continue?
Till life as no age has been mentioned in APY documents
Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation.
regards
rajitha
If I die before 60, then how much money to be given to him instantly & how much after the tenure of policy? If I die after 60 then what will be the scenario? Tollfree and bank branch are not able give appropriate answere. Please help.
Sir We assume you are talking about Atal Pension Yojna.
For pension you pay premium till you become 60 years. Then after 60 years you start getting pension for whatever amount you contributed 1000/2000/3000/4000/5000 a month.
Once subscriber dies, before or after 60 years but has paid all the premiums, then the spouse gets the pension.
When both die the nominee gets corpus for ex : 8.5 lakh for 5000 Rs monthly pension & 1.7 lakh for Rs 1000 of monthly pension
One hypothetical question for every body !!!
If someone died in a road accident ( before 60 yrs) after taking all the 3 schemes, how much money to be given to his nominee? What will be the scenario if he dies after 60 years ??
Sir, age limit in each of the scheme is different.
Pradhan Mantri Jeevan Jyoti Beema Yojna one pays premium till one becomes 50 years of age. If one dies before 55 years of age nominee gets 2 lakh. If one dies after 55 years of age nominee does not get anything. Death can be though natural causes or accident
For Pradhan Mantri Jeevan Suraska Bima Yojna one pays premium till 70 years. If one dies through accident till 70 years nominee gets 2 lakh. If one dies through natural causes nominee does not get anything.
For Atal Pension Yojna one pays premium till 60 years of age. Then after 60 years you start getting pension for whatever amount you contributed 1000/2000/3000/4000/5000 a month. Once subscriber dies, even before 60 years of age, the spouse gets the pension. When both die the nominee gets corpus 8.5 lakh for 5000 Rs monthly pension. Death can be through accident or natural causes
We hope Sir it clarifies the question
Thank you so much honorable Prime Minister Narendra Modi Ji !!!
Dear Kirti Madam, I am 32 yrs old & working in pvt organization & getting 3.5 lakhs per annum, also enrolled in epf (1800/- per month) through my present company. I have taken all the 3 schemes of central govt today, I have to pay 630/- every month for APY (5K per month scheme). My younger brother is my nominee, if I die before 60, then how much money to given to him instantly & how much after the tenure of policy? If I die after 60 then what will be the scenario?
I think if you are a EPF member the APY doesnt works for you…
Sir,
I applied two times of both of the Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana on a same axis bank savings account, one is by going to the bank and another is by online. I want to cancel the one request for both of the insurance. But the bank said that they can’t help me to cancel that. Can you help me?
Has the money been debited from the account for both?
Theoretically the same request should not accept the request from the same bank for same scheme.
Worst situation is that you might loose your premium.
yes. money is debited for both. How do I know if I loose the premium?
#bemoneyaware, what is the claim procedure in all these insurance polices,
if the claim procedure is difficult enough, the policy which is to provide the insurance benefit for the poor people who are mostly illiterate and does not know to follow elaborate claim procedures, they’ll end up paying commission to others who have knowledge and apart from that no guidance is being given to them on this behalf.
Is it not govt duty to make people specifically in this Pradhanmantri Insurance plans to make transparency on the claim procedure to the people. If it is not being done in the mean time..
the outcomes will be only
Poor people will not be able to claim if they claim they will end up paying high commissions
or it simply means govt does not have any intention to claims compensation. because at 12*1cr means =12 Cr for the bare minimum 1 cr people for the lowest premium policy
Dear sir, I want to subscribe Atal Pension Yojana, as per my age i need to pay 577Rs/month. If i want to pay entire yr at a time, is there any conditions for that.
Sorry currently there is no such option. The amount would be auto debited from your saving bank account so you won’t have to do something yourself.
Why do you want to pay for 1 year together?
Dear Madam
I am exactly 25 years i just want to Start investing in all the 3 schemes announced by our PM Modi Sir
My Question is
1. If i pay 12 Till 70 Years and still alive will i get my amount Return
2. If i pay 330 also after the maturity will i get the amount back or else the amount will be lost?
3. I am willing to get pension 4000 so i have to invest till 35 years in this as i understood if i die my nominee will get pension if nominee dies who will get the lumpsom amount. and how did you calculate that you are getting 8.5 bolke
please give me a reply your reply is the only thing madam that i will star investing
please understand
Sir, age limit in each of the scheme is different.
Pradhan Mantri Jeevan Jyoti Beema Yojna one pays premium till one becomes 50 years of age. If one dies before 55 years of age nominee gets 2 lakh. If one dies after 55 years of age nominee does not get anything. Death can be though natural causes or accident
For Pradhan Mantri Jeevan Suraska Bima Yojna one pays premium till 70 years. If one dies through accident till 70 years nominee gets 2 lakh. If one dies through natural causes nominee does not get anything.
For Atal Pension Yojna one pays premium till 60 years of age. Then after 60 years you start getting pension for whatever amount you contributed 1000/2000/3000/4000/5000 a month. Once subscriber dies, even before 60 years of age, the spouse gets the pension. When both die the nominee gets corpus 8.5 lakh for 5000 Rs monthly pension. Death can be through accident or natural causes
We hope Sir it clarifies the question. Please think before applying as why do you need these schemes?
First of all thank you for providing such a exhastive information. I hope you will clarify my doubts on Pension Scheme:
1. What is Corupus amount? Is is apart from the Montly Pension or its the max sum of pension Amount? (ie) I will be eligible of 8.5L and monthly income 5000 or Max montly income can’t exceed 8.5L
2. Could you explain how pension scheme is better than PPF which is giving me 9.7L for 28year old guy paying for 32years?
3. As a tax payer, am I eligible to enrol this scheme?
4. for my brother, he is not a tax payer, if he joins and later if he becomes tax payer, will the scheme end for him?
Awaiting for your reply
Sir we shall try.
1. For pension you pay premium till you become 60 years. Then after 60 years you start getting pension for whatever amount you contributed 1000/2000/3000/4000/5000 a month. Once subscriber dies the spouse gets the pension. When both die the nominee gets corpus 8.5 lakh for 5000 Rs monthly pension.
2. You can’t compare pension to PPF. PPF is for 15 years tax free and you can put in till 1.5 lakh
3. yes you can enrol in the scheme but you won’t get Govt contribution
4. If the subscriber’s income at time of joining APY is below taxable limit (2.5 lak for FY 2015-16) then Govt will co-contribute 50% of the total contribution or Rs. 1,000 per annum, whichever is lower, to the eligible APY account holders who join the scheme during the period 1st June, 2015 to 31st December, 2015.
The Government co-contribution will be given for 5 years from FY 2015-16 to 2019-20.
If income becomes taxable before 2019-20 then Govt will stop co contributing.
Thanks for the clarifications, still I have the doubts
1. So, we will get pension till we die and after that our nominee will get 8.5L right?
2. We can extend PPF beyond 15 years I think (not sure tough) and 1.5L is max annual limit right?
You are most welcome to ask doubts.
1. Yes you get pension till you die, after death the spouse gets the pension and after the spouse death nominee gets the lump sum amount which for 5000 Rs of monthly pension is 8.5 lakh and 1.7 lakh for Rs 1000 monthly pension
2. Yes you can extend PPF account after 15 years for 5 years with or without contribution. Yes the maximum annual limit is Rs 1.5 lakh for PPF. It comes under 1.5 lakh limit of 80C which includes EPF, Life insurance premium
Our article On Maturity of PPF talks about extending PPF after 15 years.
thankyou for the prompt reply.. Now I understand the difference b/w PPF and Pension scheme
1. PPF will get Tax exemption, whereas pension scheme wont
2. PPF wont get any corpous after death, pension has corpous in addition to monthly pension
Great Article and great response. Hats off to the team!
Dear Kirti Mam,
In APY, if subscriber’s income becomes taxable, after some period of enrollment, will he exit from the plan? and what about the contribution made by the subscriber upto that certain period ?
Which documents are needed for APY ?
Thanking you,
Sir If the subscriber’s income at time of joining APY is below taxable limit (2.5 lak for FY 2015-16) then Govt will co-contribute 50% of the total contribution or Rs. 1,000 per annum, whichever is lower, to the eligible APY account holders who join the scheme during the period 1st June, 2015 to 31st December, 2015.
The Government co-contribution will be given for 5 years from FY 2015-16 to 2019-20.
If income becomes taxable before 2019-20 then Govt will stop co contributing.
Hi Sir
Today i enrolled in Life Insurance – Social Security Scheme 31.05.2015 Reference No -JN1515140653
But not able to get receipt from bank site this is my mistake
Can i get
If possile please advoice
RPGupta
Kirti Mam,
Heartly thanks for your co-operation with relating to make satisfied the people by providing the information about insurance plans….
Please clerify about the last dates of applications to all the three plans.
Initially on launch for the cover period from 1st June 2015 to 31st May 2016 subscribers are expected to enrol and give their auto-debit option by 31st May 2015, extendible up to 31st August 2015.
Enrolment after 31 Aug 2015 will be possible prospectively on payment of full annual payment and submission of a self-certificate of good health.
Hi i need to change my nominee details in PD bima yojana and suppose i had kept my fathers detiails as nominee in my bima yojana form and suppose if my fathers death happen then after my death who will be entilteled as nominee in my bima yojana ??
do reply
Sir
all insurance scheme’s allow change of nominee. So even PMJJBY will allow. Soon the change of nominee form will be allowed.
Sir,
One confusion.
I am interested in all three [PMSBY, PMJJBY, APY]. Now I want to have my wife as the nominee.
On the other-hand my wife [working] too is interested in all of those and she wants to have me as the nominee.
Will this create any complication? What will be the due course?
Yes Sir you can take all 3 scheme with your wife as nominee, if you meet eligibility criteria
You wife can also take all 3 schemes with you as nominee if she meets eligibility criteria.
Each scheme is independent by itself so there should not be any complication. Infact during claim it would be easier.
Sir,
I am a State Govt School Teacher, aged 36. My wife is 27 and she is a home maker. Can I opt for APY for my wife? Can we take both the yojanas-PMSBY and PMJJBY for my wife and me too?? Is there any yojana which will suit us from the central govt?
thank u..
Yes Sir you can take all 3 schemes or any 1 of the scheme such as Atal pension yojna with your wife as nominee,
You wife can also take all 3 schemes with you as nominee if she meets eligibility criteria. In her case Govt would contribute upto Rs 1000 for next 5 years as she in not income tax payer and not covered by EPF
which is the last date of 3 pradhan mantri yojana ?
Initially on launch for the cover period from 1st June 2015 to 31st May 2016 subscribers are expected to enrol and give their auto-debit option by 31st May 2015, extendible up to 31st August 2015.
Enrolment after 31 Aug 2015 will be possible prospectively on payment of full annual payment and submission of a self-certificate of good health.
Dear Sir/Maa’m
I have a doubt.Please clarify.Actually I wish to know that if husband is working with a PSU n his wife is housewife then whether She will be eligible for the APY.
If Yes then Plz Clarify.Husband is already availing benefit of another pension scheme
Sir you are also eligible for APY and also your wife.
Having another pension scheme does not affect APY.
As you are govt employee you are not eligible for Govt contribution. Though your wife maybe.
Government co-contribution is available for 5 years, i.e., from 2015-16 to 2019-20 for the subscribers who join the scheme during the period from 1st June, 2015 to 31st December, 2015 and who are not covered by any Statutory Social Security Schemes and are not income tax payers.
In APY, Government will co-contribute 50% of the total contribution or Rs. 1,000 per annum, whichever is lower, to the eligible APY account holders who join the scheme during the period 1st June, 2015 to 31st December, 2015. The Government co-contribution will be given for 5 years from FY 2015-16 to 2019-20.
i m 26 n unmarried. i made nominee to my mom after my marriage in case i died who will receive insurance amt nominee or husbnd.. plz reply
komal make nominee to your parents and after you let your parents get all the benefite… sorry for advicing you because i’m 16 yr old boy but i think i’m correct.
Your nominee will receive insurance amount.
But you can change your nominee .
We are tracking when the change of nominee form will be available and update once we have the info
Nominee is only recipient of the amount and is supposed to handover the amount to legal heir(s). However,after marriage you may change the nominee.
sir how to cancel Pradhan Mantri Jeevan Jyoti Bima Yojana? i alredy applied that
If you have applied through two banks then either approach one of the banks to stop your application.
one cannot enrol for more than 1 Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) or Pradhan Mantri Suraksha Bima Yojana (PMSBY) policy. In case one buys Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Pradhan Mantri Suraksha Bima Yojana (PMSBY) covered through more than one account and premium is received by insurance company , the premium shall be liable to be forfeited.
Dear Sir,
Is 31/5/2015 is the last date for these schemes? Kindly reply
No the scheme is open till 31st Aug. The insurance cover will start from 1 Jun 2015 to 31 May 2016
I’m calling call center no.18001022636 the representative told me last date is 31st may 2015 to enroll this PMJJBY And PMSBY scheme. but you told 31st Aug 2015 is last date for enrollment.plese guide me for the matter.
Dear Kirti,
If me and my wife both take the ATAL pension scheme, in case of my death, whether my wife is eligible to get pension from both the policies?
Yes Sir if both husband and wife Mrs and Mr Sharma enrol for APY and make each other the nominee and pay the full premium.
Then if Mr Sharma passes away before 60 years say at 45 years then Mrs Sharma will start get the pension amount for Mr Sharma after Mr Sharma’s death. Her own pension amount she will get when she turns 60 years. The same would happen if Mrs Sharma passes away, Mr Sharma will get pension.
If Mr Sharma live till 60 years he starts getting his pension and when Mrs Sharma turns 60 she gets her pension. Now after 60 years if Mr Sharma passes away Mrs Sharma will get Mr Sharma’s pension and her pension. The same would be applicable if Mrs Sharma passes away after 60 years.
After death of both Mrs and Mr Sharma their nominee (if same) will get the lump sum amount for both Mrs and Mr Sharma.
Hope it clarifies your doubt Peter
Proud to have a active pradhan manthriji (Pradhan Sevak) for our nation. His intentions shows that how much he and his team is working towards the welfare for the mankind of this country. really these yojanas help at the time of Old Age. Thanks for Ideology
MODI : Maker Of Developed India.
Dear Kirti,
If me and my wife both take the ATAL pension scheme, in case of my death, wether my wife is eligible to get pension from both the policies?
Thank u our prime minister for selecting this type of scheme for poor people. .. u r the minister who really take care of poor people. …
I am having my account in UCO Bank, Santacruz (West) Branch, Mumbai. Can I submit PMJJBM form to UCO Bank in other city. Pls reply by E-mail urgently.
My Account is in UCO Bank, Santacruz (West) Branch, Mumbai. Can I submit PMJJBY Scheme form to UCO Bank in other city as I am out of Mumbai. Please reply urgently on my E-mail as this scheme closes on 31-05-2015 (Sunday) and banks will work until 30-05-2015.
Sir why the hurry. The scheme is not closing on 31 st May. It’s open till 31st Aug 2015 and even after that.
You need to submit form in the branch in which you have saving bank account as premium will be auto debited. You can enrol through netbanking and in that case nominee would be the one in the bank account
A great gift to every Indian citizen. So Lakh salam to Prime Minister Mr Narendra Modi
It is said that if I have any life insurance policy, I will not be eligilible to get benefit under PMSBY and PMJJBY.
Kindly guide me.
No that’s not true. You can take PMSBY and PMJJBY even if you have any other life insurance policy.
I am above 40 years so i am not eligible to APY. But my wife is under 40.So i want to take this policy in d name of my wife .If after 60 year or before my wife passed away by any reason than I am eligible for the pension after my 60 years .I am working in a limited company from 20 years . After my retirement , kuch pension mujhe PF ke dawar bhi milagi to kya mai jo APY kara raha hu apni wife ke nam se to kya ye dono prakar pension 60 yrs ke bad mujhe milti rahangi ya nahi . Kya 60 sal ke bad pension aur 8.50 lac bhi milega . 40 yrs ke liye 1454 Rs.monthly Jama karne he to kya isme government bhi kya kuch jama karege ya nahi.
Dear Pawan,
Its realy a good scheme.
1. If you wife is the policy holder and she died before the age of 60 you will be eligible for Lumsum payment depending upon the which pension scheme your wife had choosed during that time. If she attained the age of 60 year or more and paid the full premium…she willb eligble of monthly pension and unfortunatly she died after 60 year, you will be eligible of her pention and on the death of both (husband and wife) then nominee will get the lumsum corpus depending upon the pension scheme adopted. for 5000 pm ie. 8.50 lac.
2. No matter you are getting pension from your company, I don’t think there is any problem.
3. 40 year kay liye 1454 pmer month jama karnay hai for next 20 year.Yes the govt will deposite 50% of the contribution amount or 1000 P.A which ever is low but only in the situation if the contributor is not regsitered with any Social security scheme of india. If she is registered with any pention or pf etc.
sir, i completely understand the point no 1& 2 of your reply and a lot of thanks .
But sir i have some confusion in point no. 3,Pls. tell me in detail about point no. 3.
1. If i deposited Rs. 1454 monthly for 20 years or Rs 17448 yearly for 20 yearly then how much amount government will deposited on monthly basis or yearly basis , I will deposited in 20 years Rs. 3,48,960 what is the contribution of d government .
Sir does your wife pay income tax, is she covered in EPF. if yes then Govt will not contribute anything for her. If not
In APY, Government will co-contribute 50% of the total contribution or Rs. 1,000 per annum, whichever is lower, to the eligible APY account holders who join the scheme during the period 1st June, 2015 to 31st December, 2015. The Government co-contribution will be given for 5 years from FY 2015-16 to 2019-20.
Hope it clarifies your doubt
kirti madam ,
u have been really helpful.please clarify my queries.
i am 21 , on attaining the jivan bima scheme , until what age am i supposed to pay the premium ? what if i die before the maturity date ? kindly clarify…
You have to pay premium till you turn 50 years ie 29 more years. If some one takes PMJJBY and dies before attaining 55 years but has paid all premium his nominee will get 2 lakh.
But if subscriber dies after 55 years his nominee will not getting anything.
That’s how term insurance works!
While filling up the details, I mentioned the wrong date of birth of the nominee. Can I change it now ?
A form for change in nominee should be available soon. Will find more and keep you updated
I have join both schemes(PJJY,PSBY) and if i met with accident, will i be eligile for 2lakhs + 2lakhs cover?
i will get both insurance money
Yes Maam you are right. If someone subscribes to both PJJBY & PBSBY and has an accident the nominee will get both 2 lakh + 2 lakh.
Dear Sir/Mam,
What is last date of Sukanya smrudhi yojna.
There is no last date for Sukanya Smardihhi Yojna.
If a person joins both schemes(PJJY,PSBY) and met with accident, will he ne eligile for 2lakhs + 2lakhs cover?
Yes you are right Sree.
Yes one can enrol for both Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Pradhan Mantri Suraksha Bima Yojana (PMSBY).
If one enrols for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and pays all the due premiums then if death happens through natural or accident till subscriber is 55 years of age nominee will get 2 lakh.
If one enrols for Pradhan Mantri Suraksha Bima Yojana (PMSBY) and pays all the due premiums then if death happens ,due to accident ,only till 70 years of age nominee will get 2 lakh. Incase of natural death nominee will not get 2 lakh. In case of Disability of both eyes, both hands, both legs or one eye and one limb due to accident one will get Rs 2 lakhs. And for Disability of one eye or one limb one will get Rs 1 lakh
Dear Sree,
PMSBY is for accidental insurance
PMJJBY is for natural death.
If a person dies naturally, he is eligible for PMJJBY and gets 2lakh insurance.
If a person dies accidentally and he is enrolled in both PMSBY & PMJJBY and as a insurance cover will he get four lakhs.
i am 29 years old please tell me about my Premium Per month ??????
For PMJJY & PMSBY everyone who subscribes pays a flat amount of Rs 330 and Rs 12 per annum.
For APY the premium amount depends on age of subscriber and monthly pension he/she goes for.
For example:
For age 29 years one needs to contribute till 60 years
Monthly pension, premium
1000, 106
2000, 212
3000, 318
4000, 423
500 529
SABKA SATH SABKA VIKAS YE MODIJIKA NARA SAHI HO GAYA SABKO PENSION MAT LO TENSION RAHO ATTENSION
I am already having Insurance of 10 lakh from LIC. Is this scheme Pradhan Mantri Suraksha Bima applies to the person already insured
As explained in our article FAQ & List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Pradhan Mantri Suraksha Bima Yojana (PMSBY) Will this cover be in addition to cover under any other insurance scheme the subscriber may be covered under?
Yes. It is over and above any other covers that you have. So if you have any personal accident or life insurance policy you can claim from that policy and this one. Please note that insurance cover for PBJJBY & PMSBY will be for 2 lakh only.
Hi
If i don’t have aadhar card. Am i also eligible for these policies or i should have adhar card to take benefit of these policies.
Please reply………
Sir Aadhaar card is not compulsory to enroll for these polices. Aadhaar card is compulsory for spouse and nominee in Atal pension Yojna.
If you checkout the form Aadhaar number is not required.
Sir Aadhaar card is becoming more and more important. Aadhaar is required as the single point for all your credentials and entitlements. This number will serve as a proof of identity and address, anywhere in India.
This year proposed ITR form also asked for Aadhaar.
We would suggest you get your Aadhaar number. Our article Aadhaar : What is Aadhaar, How to enrol,Check Aadhaar status,Download e Aadhaar explains it in detail.
Dear Sir/Mam
For Atal Pension yojana age limitation is 40 yrs but is there
any other yojna for over 40 yrs.
I already have a corporate scheme for death or accident but I want to do PMSBY so can I go for it.
Yes Sir you can go for PMSBY. This insurance policy is in addition to any other insurance policy that you have or will take.
I don’t want pradhan mantri jeevan jyoti bema yojana. How can i cancel it. I want only pradhan mantri suraksha bema yojana. Can you help me
You are free to decide. The policies are not auto activated. You have to apply for whichever you want to go for.
I do n’t want Pradhan Mantri Jeevan Jyoti Bima Yojana. How can I cancel it. Please help me.
the age limitation should be 18 year to 50 year of age. The person who are above the age of 40 will not get this profit so where will they go? Don’t they have the right to earn this profit?
Yes Sir many have expressed that age limit should be 50 years.
I would like to thank our PM Mr.Narendra Modi & our FM Mr.Arun Jaitley for implementing (Pradhan Mantri Jan Dhan Yojana (PMJDY) security for poor people in our country.
Friends most of the people don’t know about this scheme. kindly inform people to get awareness on this Pradhan Mantri Jan Dhan Yojana (PMJDY),
This scheme will close by 31st May 2015.
The scheme is open till Aug 2015 and even afterwards.
Till when can one enrol in these policies?
Initially on launch for the cover period from 1st June 2015 to 31st May 2016 subscribers are expected to enroll and give their auto-debit option by 31st May 2015, extendible up to 31st August 2015. Enrolment after 31 Aug 2015 will be possible prospectively on payment of full annual payment and submission of a self-certificate of good health.
Hi
Thanks to our Prime Minister for his Initiative
If I join the APY scheme(Now my age is 22)and paying till my 40 years of age.Unfortunetly i could not pay further due to some disability or financial crunch. Do i get back atleast the principal amount that i have paid for 18 years?.
Kirti- salute for your commandable job that you are replying with patience and politeness.
Sadly insurance does not work that way. till you pay the premium and you are covered. If you stop paying premium your cover goes and you lose the premium paid.
Charges for not paying Monthly Contributions in APY are as follows:
In Atal Pension Yojna monthly contribution would automatically be deducted from Subscriber’s bank account. Subscriber should ensure that the Bank account to be funded enough for auto debit of contribution amount. If there is delay in contributions then Bank would levy penalty. The fixed amount of interest/penalty will remain as part of the pension corpus of the subscriber.
Rs 1 per month for contribution upto Rs. 100 per month.
Rs 2 per month for contribution upto Rs. 101 to 500 per month.
Rs 5 per month for contribution between Rs 501 to 1000 per month.
Rs 10 per month for contribution beyond Rs 1001 per month.
Discontinuation of payments of contribution amount shall lead to following:
After 6 months account will be frozen.
After 12 months account will be deactivated.
After 24 months account will be closed.
Thanks Santhosh for kind words. We started the blog because we ourselves were looking for answers to simple financial questions. If we can help others objective of our blog is served.
can i put the nominee name of some outsider whos nt related
Nomination is a right conferred on the holder of a Policy of Life Assurance on his own life to appoint a person/s to receive policy moneys in the event of the policy becoming a claim by the assured’s death. The Nominee does not get any other benefit except to receive the policy moneys on the death of the Life Assured. A nomination may be changed or cancelled by the life assured whenever he likes without the consent of the Nominee.
A policyholder can appoint multiple nominees and can also specify their shares in the policy proceeds. Nomination in life insurance has one limitation, as insurance policies are bought to secure your financial dependants, your first choice of nominee has to be your family members. In case you want to nominate a non-family member like a friend or third party, you will have to show/PROVE the insurance company that there is some insurable interest for the person. This happens because of a Clause called PRINCIPAL OF INSURABLE INTEREST in insurance. Note that provision of nomination in life insurance is related to Section 39 of the Insurance Act.
Great Salute to our PM Narendra Modi Ji. This is Great scheme we have and very helpful to poor, lower and middle class people. I can understand all the things, great benefit after 60 years but i wanna ask one thing if any subscriber person get death during the period before 60, then this pension shall be applicable for nominee and who will submit till the 60 years or it will closed?
Would we get our hard copy of Policy or not?? If yes where we need to be collect?? Please inform..
Would we get our hard copy of Policy or not?? If yes where we need to be collect??
Hi,
1) I am private employee and also tax payer. I have an epf account and a pension scheme with the govt through my employer. Am I eligible for APY?
2) Because, the APY says “people having STATUTORY SOCIAL SECURITY SCHEMES” are not eligible. What is meant by STATUTORY SOCIAL SECURITY SCHEMES. Does EPF and Pension schemen from my employer is a STATUTORY SOCIAL SECURITY SCHEME?
I am 30 years old.
I am applying pradhan mantri yojana form through SBI internet banking.I got place of application ? In this form.so which place I will put there.plez reply?
I am 44 years old, am i Eligible to take the Atal Pension Yojna (APY)
Sir, Eligibility criteria for Atal Pension Yojna is between 18-40 years of age. Hence you are not eligible for Atal Pension Yojna.
IN CASE A PERSON IS PAYING PREMIUM OF ATAL PENSION YOJANA AND BEFORE COMPLETING 60 YEARS THE PERSON DIES… WHAT WILL HAPPEN TO THE AMOUNT WHICH HE DEPOSITED ?
Maam the purpose of insurance is to provide financial help for loved ones when one is not around. One pays the premium and if one passes away then insurance kicks in.
In Atal Pension Yojna on death of the subscriber anytime after subscribing to scheme the spouse will start getting the pension. There is no waiting period. So if subscriber say of age 32 dies at 38 or 41 or 50 or 62 the pension for spouse will start right after the death.
On death of the subscriber and spouse , irrespective of age the nominee will get corpus amount.
KRITI JI KYA PMJJBY AND PMSBY K LIYE BANK ACOUNT K SATH ADHAR NO KA REGISTERD HONA MUST H?? MERA PURANA ACOUNT H AND ADHAR NO AB TAK KISI KARAN SE MILA V NAHI H KYA ME IN ME SE KISI EK BIMA YOJNA KA LAHBH LE SAKTA HU?
Sir Aadhaar number hona zaroori nahin hain.
Aap bina Aadhaar ke bhi in schemes ka labh utha sakte hain.
madam/sir
shall we take both PMJJBY and PMSBY at atime
Yes Sir, you can take PMJJBY & PMSBY at the same time.
HI…I AM GOING TO BE 40 YEARS ON 19-07-2015 CAN I ELIGIBLE FOR ATAL PENSION YOJNA…IF YES, THEN PLEASE TELL ME IF I WILL EXPIRE BEFORE 60,THEN MY HUSBAND WILL GET THE PENSION OR WHAT WILL THE SUBSCRIBSION AMOUNT, WILL IT BE PAID BY MY HUSBAND.
Yes Maam you are eligible for Atal Pension Yojna.
If subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOT have to pay any more premium and will get pension.
Whenever the spouse dies (it is not necessary for spouse to die before 60 years of age) the nominees will get lump sum amount.
Actually ,when I fill up pradhan mantri yojana form through net banking.I got place of application. ?so which place I will put there.plez reply.
Maam, Which bank are you trying to fill the Pradhan mantra Yojna form?
You can call the bank’s phone banking to find the details also
With this both scheme can i withdrow the money after the age of 60 years ,please clarify…and wether i can change my nominee name.
Sir these are insurance schemes to provide financial help to subscriber’s family in case of death of subscriber.
If one outlives the insurance cover period which in PMJJBY is 55 years and PMSBY is 70 years one does not get any premium back.
To give you an example
It’s like buying an umbrella/helmet to protect one from rain/accident. If rain/accident does not happen then buying umbrella or helmet is wasted.
Bullshit. How can you compare Insurance with Umbrella/Rain? Utter non sense. By these words you are discouraging the person from having the insurance.
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Sorry our intent was not to discourage anyone.
A request Sukhi,It would be great if you could describe insurance or if you need to compare insurance then what would you compare it to.
Regarding change in nominee, we could not find much on it. But in life insurance one can change nominee. So this scheme should also allow one to change nominee.
Another alternative is once you get married and if scheme is open then start the new scheme and close this one. Premium etc would remain the same.
iam a lic policy holder, now i want to take PMJJBY Rs 330/- policy. its applicable or not
Yes. It is over and above any other covers that you have. So if you have any personal accident or life insurance policy you can claim from that policy and this one. Please note that insurance cover for PBJJBY & PMSBY will be for 2 lakh only.
CAN I FILL UP PRADHAN MANTRI YOJANA FORM AT HOME THROUGH INTERNET BANKING.PLEASE REPLY..
Yes! you can.
CAN I FILL UP THIS FORM IN HOME THROUGH OWN INTERNET BANKING.PLEASE REPLY..
Yes SBI, ICICI Bank are allowing people to fill form through internet banking. Soon most of the banks will also provide the facility.
If your bank provides subscribing to these social security schemes through internet you can do so,
For example for ICICI bank
Pradhan Mantri Suraksha Bima Yojana
To Apply: Y to 5676766 from your registered mobile number.
Through Internet Banking, please login to your Internet Banking account at ICICI Bank and follow the navigation :
Service Requests > Bank Accounts > Enroll for Pradhan Mantri Suraksha Bima Yojana
Or
Through mobile, please send SMS PMSBY
Please note, that if subscribe to scheme through internet,SMS, Nomination details as updated in the bank account will be taken. In case the customer is interested in updating details which are different from those in the Bank account, the customer is requested to contact the nearest branch for subscribing the policy. No separate intimation shall be provided for the same.
now i am single. i will join all 3 schemes. i will give my nominee name is my father. after married i can change my nominee name for my spouse and childrens, is it possible to change?
A very good question Sir.
Sadly there is no clarity on it. We are trying to find the answer and will update asap.
But in life insurance one can change nominee. So this scheme should also allow one to change nominee.
Another alternative is once you get married and if scheme is open then start the new scheme and close this one. Premium etc would remain the same.
Premium would change for ATal pension Yojna but not for PMJJBY and PMSBY.
I am 42 years old, Can I take both the policy Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana at the same time. Or it is restricted that a person can have only one among these two policy.Pls. revert asap.
Sir each of these policy is independent of another. One is for accident insurance, one is for life insurance.
Eligibility criteria of
Pradhan Mantri Suraksha Bima Yojana (PMSBY)is 18-70 years and covers till 70 years
and of Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is 18-50 years and covers till 55 years
As you meet both these criteria you can subscribe to these two schemes.
Hi, Presently i am getting 4.0 LPA, am I eligible for Atal Pension Yojana? Kindly clarify.
Sir, Eligibility criteria for Atal Pension Yojna is between 18-40 years of age. If you meet the criteria you can apply.
If your income is 4 LPA then you would be paying income tax and/or would be subscribing to EPF so you would not be eligible for Govt. contribution
In APY, Government will co-contribute 50% of the total contribution or Rs. 1,000 per annum, whichever is lower, to the eligible APY account holders who join the scheme during the period 1st June, 2015 to 31st December, 2015. The Government co-contribution will be given for 5 years from FY 2015-16 to 2019-20.
Hi, Presently i am getting 4.0 LPA, am I eligible for Atal Pention Yojana? Kindly clarify.
Dear Kirti,
Thanks so much for the detailed information.
Have a question and look forward to get answers from you.
My annual income is Rs. 6,00,000. I am a single mom and my 8 year son is dependent on me. I file regular ITRs. Am I eligible for any of these Yojna’s . I am 36 years old BTW.
Thanks !
Hello Maam,
Thanks for kind and encouraging words and asking questions.
Eligibility criteria of
Pradhan Mantri Suraksha Bima Yojana (PMSBY)is 18-70 years
and of Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is 18-50 years
As you meet both these criteria you can subscribe to these two schemes.
For nominee, one who gets money in case of subscriber’s death, you can give name of your son and as he is minor you can name a guardian for him
Thanks.
Dear Kirti Madam,
Aapne har prashna ka sahi uttar diya hai, ye sabhi yojnaye bahot faydemand hai, mera ek prashna hai ki 60 sal ke bad jab muze pension milni suru ho jayegi to kya muze maturity amout alag se milegi. ye jo aapne 5000 monthly pension ke liye 8.5 lack bataye hai kya ye maturity amt hai. aur wo milne ke bad bhi pension suru rahegi. 5000 monthly pension + 8.5 lack ( one time ) ese please clear kare…Thank you….
Sir,
Taarif ke liye Sukriya.
2 case hain: Ek subscriber 60 saal tak jinda rehte hain, dosra subscriber ki death ho 60 saal se pehle ho jaati hai
1 : subscriber 60 saal tak jeeta hain aur poora premium har saal pay karte hain
60 saal ke baad subscriber ko pension milini shuru hogi.
Subscriber ki death ke baad unke spouse(wife/husband) ko pension milegi
Dono ki death ke baad nominee ko lump sump amount ,8.5 lakh agar 5000 ki pension, hai milega.
2. Subscriber poora premium pay karte hain har saal.
Unki death ke baad, kisi bhi saal scheme mein subscribe karne ke baad,
Subscriber ki death ke baad unke spouse(wife/husband) ko pension milegi
Dono ki death ke baad nominee ko lump sump amount ,8.5 lakh agar 5000 ki pension, hai milega.
Hi Kirti…I am 44 and a simgle mother…is there any other pension scheme available? please mail me.
Dear Sir.
I am 41 years .how to include the pension Yojan
Sorry Sir
You can’t as only those between 18-40 years can enrol.
Deepika Maam
SIR, THERE ARE THREE SAVING ACCOUNTS IN SEPARATE BANKS IN MY NAME AND ONE NOMINEE IS SELECTED FOR ALL THREE ACCOUNTS AND AMONG OF THOSE ONE IS SALARY ACCOUNT. MY QUERY IS THAT IS THERE ANY RULE TO JOIN ALL THESE THREE SCHEMES IN EVERY BANK OR IN SINGLE BANK ? IF I JOIN ALL THREE SCHEMES IN EVERY BANK , IN THAT POINT I AM RIGHT OR WRONG ? ANOTHER QUERY IS THAT AS PER YOUR SCHEME WHEN THE PENSION HOLDER WILL GET DEATH HIS/HER SPOUSE WILL GET THE SAME FACILITY AND AFTER SPOUSE’S DEATH THEIR NOMINEE WILL GET THE INSURANCE CLAIM, BUT IN MY CASE MY SPOUSE IS MY NOMINEE, SO IT WILL BE CHANGED IN FUTURE OR NOT ?
In case of multiple saving bank accounts held by an individual in one or different banks, the person would be eligible to join the scheme through one savings bank account only. So You can have one type of insurance policy per saving bank account.So with same saving bank account you can take 1 Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & 1 Pradhan Mantri Suraksha Bima Yojana (PMSBY). One can also take Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) from 1 saving bank account & Pradhan Mantri Suraksha Bima Yojana (PMSBY) from other saving bank account.
But one cannot enrol for more than 1 Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) or Pradhan Mantri Suraksha Bima Yojana (PMSBY) policy. In case one buys Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Pradhan Mantri Suraksha Bima Yojana (PMSBY) covered through more than one account and premium is received by insurance company , insurance cover will be restricted to Rs. 2 Lakh and the premium shall be liable to be forfeited.
Consent cum declaration form of the scheme says.
I declare that I am not insured under Pradhan Mantri Suraksha Bima Yojana under any other Savings Bank Account. In case the same is found to exist, premium shall stand forfeited and no claims would be paid.
SIR, THERE ARE THREE SAVING ACCOUNTS IN SEPARATE BANKS IN MY NAME AND ONE NOMINEE IS SELECTED FOR ALL THREE ACCOUNTS AND AMONG OF THOSE ONE IS SALARY ACCOUNT. MY QUERY IS THAT IS THERE ANY RULE TO JOIN ALL THESE THREE SCHEMES IN EVERY BANK OR IN SINGLE BANK ? IF I JOIN ALL THREE SCHEMES IN EVERY BANK , IN THAT POINT I AM RIGHT OR WRONG ? ANOTHER QUERY IS THAT AS PER YOUR SCHEME WHEN THE PENSION HOLDER WILL GET DEATH HIS/HER SPOUSE WILL GET THE SAME FACILITY AND AFTER SPOUSE’S DEATH THEIR NOMINEE WILL GET THE INSURANCE CLAIM, BUT IN MY CASE MY SPOUSE IS MY NOMINEE, SO IT WILL BE CHANGED IN FUTURE OR NOT ?
In case of multiple saving bank accounts held by an individual in one or different banks, the person would be eligible to join the scheme through one savings bank account only. So You can have one type of insurance policy per saving bank account.So with same saving bank account you can take 1 Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & 1 Pradhan Mantri Suraksha Bima Yojana (PMSBY). One can also take Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) from 1 saving bank account & Pradhan Mantri Suraksha Bima Yojana (PMSBY) from other saving bank account.
But one cannot enrol for more than 1 Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) or Pradhan Mantri Suraksha Bima Yojana (PMSBY) policy. In case one buys Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Pradhan Mantri Suraksha Bima Yojana (PMSBY) covered through more than one account and premium is received by insurance company , insurance cover will be restricted to Rs. 2 Lakh and the premium shall be liable to be forfeited.
Consent cum declaration form of the scheme says.
I declare that I am not insured under Pradhan Mantri Suraksha Bima Yojana under any other Savings Bank Account. In case the same is found to exist, premium shall stand forfeited and no claims would be paid.
If I enroll for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and pay all the due premiums and ‘death does not happen’ till I am 55 years of age ,then how much amount exactly will me or my nominee obtain ? and when ?
no return
Sir, that’s how insurance works. If you outlive the cover period you/your nominee gets nothing. But God forbid if something happens to you then your family would have some financial support. It’s like buying helmet, if you don’t have it you can still drive but its importance is felt in case of accidents.
Please don’t mix insurance and investments.
If I enroll for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and pay all the due premiums and ‘death does not happen’ till I am 55 years of age ,then how much amount exactly will me or my nominee obtain ? and when ?
no return
Sir, that’s how insurance works. If you outlive the cover period you/your nominee gets nothing. But God forbid if something happens to you then your family would have some financial support. It’s like buying helmet, if you don’t have it you can still drive but its importance is felt in case of accidents.
Please don’t mix insurance and investments.
Righly said.
I AM A PRIVATE SECTOR EMPLOYEE.PRESENTLY MY SAL IS 2,30,000/-PER YEAR.I AM NOT PAYING ANY TAX TO THE GOVT PRESENTLY. IN FUTURE IF ANY SALARY INCREASE WILL PAY TAX ATAL PENSION YOJANA SCHEME WILL APPLICABLE OR NOT?
yes
Sir you can apply for APY. In case of tax payers and those with EPF/NPS the Govt contribution till 5 years will not be applicable.
Though your salary is currently below Income tax limit have you subscribed to EPF/NPS?
I AM A PRIVATE SECTOR EMPLOYEE.PRESENTLY MY SAL IS 2,30,000/-PER YEAR.I AM NOT PAYING ANY TAX TO THE GOVT PRESENTLY. IN FUTURE IF ANY SALARY INCREASE WILL PAY TAX ATAL PENSION YOJANA SCHEME WILL APPLICABLE OR NOT?
yes
Sir you can apply for APY. In case of tax payers and those with EPF/NPS the Govt contribution till 5 years will not be applicable.
Though your salary is currently below Income tax limit have you subscribed to EPF/NPS?
dear sir if I join in this 3 scheme(PMSBY,PMJJBY,APY) from several bank,what would be happen?and what is the guarantee for these scheme?and one more question is now I am a single person,how does I put my spouse name later and who would be nominee for my scheme?I want to make my children as a nominee,how it be possible?
1. if you join same scheme from different Banks you will have to submit Consent Cum Declaration form and you would loose your premium.
Excerpt from Pradhan Mantri Suraksha Bima Yojana
I declare that I am not insured under Pradhan Mantri Suraksha Bima Yojana under any other Savings Bank Account. In case the same is found to exist, premium shall stand forfeited and no claims would be paid.
2. Guarantee.. Govt of India
3. You should be able to change your nominee later. Every year you would pay the premium for the scheme. You can stop the premium the scheme stops.
dear sir if I join in this 3 scheme(PMSBY,PMJJBY,APY) from several bank,what would be happen?and what is the guarantee for these scheme?and one more question is now I am a single person,how does I put my spouse name later and who would be nominee for my scheme?I want to make my children as a nominee,how it be possible?
1. if you join same scheme from different Banks you will have to submit Consent Cum Declaration form and you would loose your premium.
Excerpt from Pradhan Mantri Suraksha Bima Yojana
I declare that I am not insured under Pradhan Mantri Suraksha Bima Yojana under any other Savings Bank Account. In case the same is found to exist, premium shall stand forfeited and no claims would be paid.
2. Guarantee.. Govt of India
3. You should be able to change your nominee later. Every year you would pay the premium for the scheme. You can stop the premium the scheme stops.
My date of Birth is 08/02/1975. Can you tell us I am eligible for joing APJ scheme?
There is confusion wrt to those born in 1975 before Jun . Usually for insurance nearest age is calculated. So as per that your are eligible for the scheme since you are 40 years of age.
We are still trying to find the answer. if you come to know something do let us know.
My date of Birth is 08/02/1975. Can you tell us I am eligible for joing APJ scheme?
There is confusion wrt to those born in 1975 before Jun . Usually for insurance nearest age is calculated. So as per that your are eligible for the scheme since you are 40 years of age.
We are still trying to find the answer. if you come to know something do let us know.
Is any person having lic policy and accidental policy can eligible for
Rs 12/- and Rs 330/- plan of pradhanmantri yojna
Yes these policies are in addition to any life or accident insurance policy that you would have taken
Is any person having lic policy and accidental policy can eligible for
Rs 12/- and Rs 330/- plan of pradhanmantri yojna
Yes these policies are in addition to any life or accident insurance policy that you would have taken
DEAR SIR,
I THINK RAJESH SINGH IS RIGHT .
NOBODY AWARE IN VILLAGE ABOUT THIS YOGNA’S.
SO, PLZ HELP THEM.
THANKS
JITAL
Dear Sir,
I am an Insurance advisor of SBILife I appreciate this yojana and I commit to all I will try to give the awareness at lower level or at Village level.
Thnks
Vishwas Nikat
DEAR SIR,
I THINK RAJESH SINGH IS RIGHT .
NOBODY AWARE IN VILLAGE ABOUT THIS YOGNA’S.
SO, PLZ HELP THEM.
THANKS
JITAL
Dear Sir,
I am an Insurance advisor of SBILife I appreciate this yojana and I commit to all I will try to give the awareness at lower level or at Village level.
Thnks
Vishwas Nikat
Dear Sir/Madum,
I have account SBi. I would like to enter into this scheme(APY).
Is there any necessity to go into bank before June to have this benefit.?
Or is it Okay even after June?
Can any one reply me about this..?
For PMJJBY and PMSBY you can do online through Social Security Menu. Please remember Nomination details as updated in the bank account will be taken. In case the customer is interested in updating details which are different from those in the Bank account, the customer is requested to contact the nearest branch for subscribing the policy. No separate intimation shall be provided for the same.
Yes the scheme is open throughout the year cover for scheme starts from 1st June
Dear Sir/Madum,
I have account SBi. I would like to enter into this scheme(APY).
Is there any necessity to go into bank before June to have this benefit.?
Or is it Okay even after June?
Can any one reply me about this..?
For PMJJBY and PMSBY you can do online through Social Security Menu. Please remember Nomination details as updated in the bank account will be taken. In case the customer is interested in updating details which are different from those in the Bank account, the customer is requested to contact the nearest branch for subscribing the policy. No separate intimation shall be provided for the same.
Yes the scheme is open throughout the year cover for scheme starts from 1st June
Wow ! Thanks for the clear information. I was looking for the same thing.
Thanks for clear and encouraging comment. 🙂 We look forward to such comments.
Wow ! Thanks for the clear information. I was looking for the same thing.
Thanks for clear and encouraging comment. 🙂 We look forward to such comments.
Pradhan Mantri Suraksha Bima Yojana,
Pradhan Mantri Jeevan Jyoti Bima Yojana and
Atal Pension Yojna
மேற்குறிப்பிட்ட காப்பீடு திட்டங்களில் வயது வரம்பு தகுதியை நீக்கிவிட்டு அனைவரும் இந்தத் திட்டத்தில் இணைந்து கொள்ளலாம் என்று அறிவிப்பு வெளியிட்டால் நலமாயிருக்கும். சமுதாயத்தில் பாதுகாப்பின்றி வாழ்ந்து வரும் அனைத்து மக்களுக்கும் இத்திட்டம் மிகவும் பயனுள்ளதாக அமைந்துவிடும். இன்றைய சூழ்நிலையில் 40 வயதைத் தாண்டியவர்கள்தான் பொருளாதாரத்தில் பின்தங்கியவர்களாகவும். சமூகப் பாதுகாப்பின்றியும். தற்போதைய நவீன முன்னேற்றங்களுக்கு தங்களை தயார்படுத்தி ஈடுகொடுக்க முடியாதவர்களாக, ஒன்றுமில்லாதவர்களாகக் காணப்படுகிறார்கள். எனவே, பாரத பிரதமர் அவர்கள் இவ்விஷயத்தை தங்கள் மனக்கண் முன்நிறுத்தி பார்த்து அவர்கள் படும் துன்பத்தையும் சிறிது சிந்தனை செய்து இத்திட்டங்களில் அனைவரையும் சேர்த்துக்கொள்ளும்படி கேட்டுக்கொள்கிறேன். அனைவரும் தாங்கள் இவ்வுலகில் உயிருடன் வாழும் வரை ஓய்வூதியம் பெறலாம் என்ற அரசு உறுதியளிப்பின்கீழ் நலமாக வாழமுடியும். ஒவ்வொரு இந்தியரும் இத்திட்டத்தில் சேர்ந்துக் பயன்பெறும்படியான காப்பீடு திட்டத்தை அதற்குத் தக்கவாறு ஐந்தாண்டு திட்டங்களில் இணைத்து தயார் செய்து ஒரு மனித சமுதாயப் பாதுகாப்பு புரட்சி (Human Societal Security Revolution) ஏற்படுத்தி நடைமுறைப்படுத்தும்படி பாரதப் பிரதமரைக் வேண்டிக் கொள்கிறேன். ஏற்கனவே ஏதாவது ஒரு ஓய்வூதியத் திட்டத்தில் இருந்துகொண்டு பயன்பெறுபவர்களுக்கு இது பொருந்தாது என்பதையும் தெளிவுப்படுத்த வேண்டும்.
S. Thiagaraj
Pradhan Mantri Suraksha Bima Yojana,
Pradhan Mantri Jeevan Jyoti Bima Yojana and
Atal Pension Yojna
மேற்குறிப்பிட்ட காப்பீடு திட்டங்களில் வயது வரம்பு தகுதியை நீக்கிவிட்டு அனைவரும் இந்தத் திட்டத்தில் இணைந்து கொள்ளலாம் என்று அறிவிப்பு வெளியிட்டால் நலமாயிருக்கும். சமுதாயத்தில் பாதுகாப்பின்றி வாழ்ந்து வரும் அனைத்து மக்களுக்கும் இத்திட்டம் மிகவும் பயனுள்ளதாக அமைந்துவிடும். இன்றைய சூழ்நிலையில் 40 வயதைத் தாண்டியவர்கள்தான் பொருளாதாரத்தில் பின்தங்கியவர்களாகவும். சமூகப் பாதுகாப்பின்றியும். தற்போதைய நவீன முன்னேற்றங்களுக்கு தங்களை தயார்படுத்தி ஈடுகொடுக்க முடியாதவர்களாக, ஒன்றுமில்லாதவர்களாகக் காணப்படுகிறார்கள். எனவே, பாரத பிரதமர் அவர்கள் இவ்விஷயத்தை தங்கள் மனக்கண் முன்நிறுத்தி பார்த்து அவர்கள் படும் துன்பத்தையும் சிறிது சிந்தனை செய்து இத்திட்டங்களில் அனைவரையும் சேர்த்துக்கொள்ளும்படி கேட்டுக்கொள்கிறேன். அனைவரும் தாங்கள் இவ்வுலகில் உயிருடன் வாழும் வரை ஓய்வூதியம் பெறலாம் என்ற அரசு உறுதியளிப்பின்கீழ் நலமாக வாழமுடியும். ஒவ்வொரு இந்தியரும் இத்திட்டத்தில் சேர்ந்துக் பயன்பெறும்படியான காப்பீடு திட்டத்தை அதற்குத் தக்கவாறு ஐந்தாண்டு திட்டங்களில் இணைத்து தயார் செய்து ஒரு மனித சமுதாயப் பாதுகாப்பு புரட்சி (Human Societal Security Revolution) ஏற்படுத்தி நடைமுறைப்படுத்தும்படி பாரதப் பிரதமரைக் வேண்டிக் கொள்கிறேன். ஏற்கனவே ஏதாவது ஒரு ஓய்வூதியத் திட்டத்தில் இருந்துகொண்டு பயன்பெறுபவர்களுக்கு இது பொருந்தாது என்பதையும் தெளிவுப்படுத்த வேண்டும்.
S. Thiagaraj
Hi,
I have one question, what is role of the banks for these schemes. All the banks forced to enrol these schemes. I hope one is enough for a head. Am I right?
Kindly advice
Thanks
There is pressure on bank to enrol as many members as possible similar to opening of Jan Dhan Bank account which later made it to Guinness book of world record of opening 11.5 cr accounts
Hi,
I have one question, what is role of the banks for these schemes. All the banks forced to enrol these schemes. I hope one is enough for a head. Am I right?
Kindly advice
Thanks
There is pressure on bank to enrol as many members as possible similar to opening of Jan Dhan Bank account which later made it to Guinness book of world record of opening 11.5 cr accounts
shri man pradhanmantri ji ke is yojna se garib family ko bahut labh milne wali hai.
lekin meri ek request hai ki agar is yojna ke liye particular kuch emplyee depute kiye jayen aur wo village main jayen aur garib pariwar se mil kar unko is yojna ke bare main aware karayen aur on the spot wahi unka account khol kar in yojna se link kar unko labhanvit karen .
other wise bechare garib har yojna ki tarah in yojna se vanchit rah jayenge aur jo pardhan mantri ji ka motive hai uska labh nhi mil payega..
village main to > 80% logon ko iska poora gyan nhi hai aur wo apna intrest bhi nhi dikhate hain ..
isliye pradhan mantri ji se mera vinamrta poorvak nivedan hai ki is yojna ka maximum labh garib pariwar ko pahuncha kar labhanvit karen..
in kalyankari yojnaon ke liye pardhanmantri ji ko koti koti dhanyabad…..
Dhanyabad
Rajesh kumar singh
14/764 indira nagar
lucknow-226001
9415789158
Dear Rajesh ji ,you are absolutely right
shri man pradhanmantri ji ke is yojna se garib family ko bahut labh milne wali hai.
lekin meri ek request hai ki agar is yojna ke liye particular kuch emplyee depute kiye jayen aur wo village main jayen aur garib pariwar se mil kar unko is yojna ke bare main aware karayen aur on the spot wahi unka account khol kar in yojna se link kar unko labhanvit karen .
other wise bechare garib har yojna ki tarah in yojna se vanchit rah jayenge aur jo pardhan mantri ji ka motive hai uska labh nhi mil payega..
village main to > 80% logon ko iska poora gyan nhi hai aur wo apna intrest bhi nhi dikhate hain ..
isliye pradhan mantri ji se mera vinamrta poorvak nivedan hai ki is yojna ka maximum labh garib pariwar ko pahuncha kar labhanvit karen..
in kalyankari yojnaon ke liye pardhanmantri ji ko koti koti dhanyabad…..
Dhanyabad
Rajesh kumar singh
14/764 indira nagar
lucknow-226001
9415789158
Dear Rajesh ji ,you are absolutely right
Mr. Kirti,
I am a service holder in private sector aged about 45 years and my wife is housewife aged about 41 years. She is having PAN card but her income is not taxable hence does not pay income tax.
In this condition, for which all plans we are entitled?
Q1.- Can I apply for both PMSBY and PMJJBY? In case of accidental death, what will be the benefit to my dependant? In case of disability, what will be the benefit to my dependant?
Q2. Can I apply for all there schemes on the name of my wife?
Q3. Can we apply to entitled policies online or need to visit the branch personally? If apply online, how shall we get the policy document?
Looking forward for your suggestion please.
Thanks in advance.
Sir
You and your wife will not be able to join Atal Pension Yoojna. But you both can join PMSBY & PMJJBY
1. If one enrols for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and pays all the due premiums then if death happens through natural or accident till subscriber is 55 years of age nominee will get 2 lakh.
If one enrols for Pradhan Mantri Suraksha Bima Yojana (PMSBY) and pays all the due premiums then if death happens ,due to accident ,only till 70 years of age nominee will get 2 lakh. Incase of natural death nominee will not get 2 lakh. In case of Disability of both eyes, both hands, both legs or one eye and one limb due to accident one will get Rs 2 lakhs. And for Disability of one eye or one limb one will get Rs 1 lakh
2. You can apply for yourself and for your wife for PMJJBY & PMSBY
3 SBI has started subscribing to these policies online through Social Security Schemes menu when you login. Most of the banks would soon start offering through internet.
HDFC Bank & ICICI Bank have sent SMSes also.
The Insurance policy will be a group insurance policy. Group Insurance policy is one of the insurance policies where large number of people are covered under the single policy, Participating Banks will be the Master policy holders
Sir,
Thanks for your feedback. If anyone has enrolled for both policies and say death happens due to accident then in that case shall one will get Rs. 4L or only 2L?
Mr. Kirti,
I am a service holder in private sector aged about 45 years and my wife is housewife aged about 41 years. She is having PAN card but her income is not taxable hence does not pay income tax.
In this condition, for which all plans we are entitled?
Q1.- Can I apply for both PMSBY and PMJJBY? In case of accidental death, what will be the benefit to my dependant? In case of disability, what will be the benefit to my dependant?
Q2. Can I apply for all there schemes on the name of my wife?
Q3. Can we apply to entitled policies online or need to visit the branch personally? If apply online, how shall we get the policy document?
Looking forward for your suggestion please.
Thanks in advance.
Sir
You and your wife will not be able to join Atal Pension Yoojna. But you both can join PMSBY & PMJJBY
1. If one enrols for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and pays all the due premiums then if death happens through natural or accident till subscriber is 55 years of age nominee will get 2 lakh.
If one enrols for Pradhan Mantri Suraksha Bima Yojana (PMSBY) and pays all the due premiums then if death happens ,due to accident ,only till 70 years of age nominee will get 2 lakh. Incase of natural death nominee will not get 2 lakh. In case of Disability of both eyes, both hands, both legs or one eye and one limb due to accident one will get Rs 2 lakhs. And for Disability of one eye or one limb one will get Rs 1 lakh
2. You can apply for yourself and for your wife for PMJJBY & PMSBY
3 SBI has started subscribing to these policies online through Social Security Schemes menu when you login. Most of the banks would soon start offering through internet.
HDFC Bank & ICICI Bank have sent SMSes also.
The Insurance policy will be a group insurance policy. Group Insurance policy is one of the insurance policies where large number of people are covered under the single policy, Participating Banks will be the Master policy holders
Sir,
Thanks for your feedback. If anyone has enrolled for both policies and say death happens due to accident then in that case shall one will get Rs. 4L or only 2L?
Respected P.M.ji
What you have introduced is a very good plan for the Indian’s. Sirji any additional plan for ladies, especially those who are unmarried or widows. I am planning to take all three policies. my question is I am completing 51 years in May and am I eligible for ATAL PENSION YOGAJANA. since I am very much interested for the pension scheme. also I am alone and unmarried. I hope you will be introducing a very good scheme for the ladies in near future.
Usha Paniker
Vejalpur Ahmedabad.
Maam APY is for people betweeb 18 to 40 years of age. So you are not eligible for Atal Pension Yojna
Respected P.M.ji
What you have introduced is a very good plan for the Indian’s. Sirji any additional plan for ladies, especially those who are unmarried or widows. I am planning to take all three policies. my question is I am completing 51 years in May and am I eligible for ATAL PENSION YOGAJANA. since I am very much interested for the pension scheme. also I am alone and unmarried. I hope you will be introducing a very good scheme for the ladies in near future.
Usha Paniker
Vejalpur Ahmedabad.
Maam APY is for people betweeb 18 to 40 years of age. So you are not eligible for Atal Pension Yojna
Dear Sir / Madam,
I attained my age of 41 now, my date of birth is 30-03-1974, what type of yojana and pension scheme is available, I am in Dubai, but having Adhar card and bank account in India, kindly advise how to proceed with the pension scheme especially, thanks.
Dear Sir / Madam,
I attained my age of 41 now, my date of birth is 30-03-1974, what type of yojana and pension scheme is available, I am in Dubai, but having Adhar card and bank account in India, kindly advise how to proceed with the pension scheme especially, thanks.
श्रीमान जी मै बहुत गरीब परिवार से हू। मेरा परिवार भी बड़ा है श्री प्रधानमंत्री महोदय जी के इस योजना से सभी गरीब परिवार का भला होगा। समस्त पिछड़ी जाती अति पिछड़े जाती के लोगो का भला होगा। श्री प्रधानमंत्री महोदय जी का कोटि कोटि आभार बंदन है।
श्रीमान जी मै बहुत गरीब परिवार से हू। मेरा परिवार भी बड़ा है श्री प्रधानमंत्री महोदय जी के इस योजना से सभी गरीब परिवार का भला होगा। समस्त पिछड़ी जाती अति पिछड़े जाती के लोगो का भला होगा। श्री प्रधानमंत्री महोदय जी का कोटि कोटि आभार बंदन है।
I have enrolled in both plans. Now my age is 25 and I will pay the premium till 70. If I have normal death before or after 70, if the premium amount will be refund to my nominee..
I have enrolled in both plans. Now my age is 25 and I will pay the premium till 70. If I have normal death before or after 70, if the premium amount will be refund to my nominee..
I have enrolled in both the accidental and life insurance plans. If I will pay the premium till 70.. If I attain the normal death after 70 or before 70[premium is paying regualarly] May I[Nominee] eligible to get the premium amount?.. What happen to my premium amount which I paid till date?..
For example : Now my age is 25 and I will pay the premium till 70.
330*45 = 14850..Do my nominee will get the premium amount?..
yours nominee will get nothing in this case.
Entire purpose of insurance is to help your family in case early demise of the earning member.
If you survive the insurance term you will not get anything. That’s why term plans are not popular in India.
For PMJJY then cover is only till 55 years of age.
But Rs 12 and Rs 330 a year ..is not a big amount.
I have enrolled in both the accidental and life insurance plans. If I will pay the premium till 70.. If I attain the normal death after 70 or before 70[premium is paying regualarly] May I[Nominee] eligible to get the premium amount?.. What happen to my premium amount which I paid till date?..
For example : Now my age is 25 and I will pay the premium till 70.
330*45 = 14850..Do my nominee will get the premium amount?..
yours nominee will get nothing in this case.
Entire purpose of insurance is to help your family in case early demise of the earning member.
If you survive the insurance term you will not get anything. That’s why term plans are not popular in India.
For PMJJY then cover is only till 55 years of age.
But Rs 12 and Rs 330 a year ..is not a big amount.
Suppose in this Atal Pension Scheme someone discontinued to deposit monthly pension by any reason say can’t afford to pay monthly pension after a period of 2 years & stopped it. In this case will he get back his deposited pension amount back to him ? If yes, when he will get it back?
Suppose in this Atal Pension Scheme someone discontinued to deposit monthly pension by any reason say can’t afford to pay monthly pension after a period of 2 years & stopped it. In this case will he get back his deposited pension amount back to him ? If yes, when he will get it back?
can I opt for both policy i.e pradhan mantri surkasha and jivan jyoti togeather .will govt provides benefit of both policy
Yes you can if you meet the eligibility criteria of both.
If one enrols for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and pays all the due premiums then if death happens through natural or accident till subscriber is 55 years of age nominee will get 2 lakh.
If one enrols for Pradhan Mantri Suraksha Bima Yojana (PMSBY) and pays all the due premiums then if death happens ,due to accident ,only till 70 years of age nominee will get 2 lakh. Incase of natural death nominee will not get 2 lakh. In case of Disability of both eyes, both hands, both legs or one eye and one limb due to accident one will get Rs 2 lakhs. And for Disability of one eye or one limb one will get Rs 1 lakh
More such questions we have answered in our article FAQ & List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Whether a person could get Rs4.00 lakh if dies (accidental) at the age less than 55 yrs, having covered by both the scheme, PMSBY & PMJJBY.
I am a Counsellor of Financial Literacy Centre have to face this question during public meet. Please reply early.
can I opt for both policy i.e pradhan mantri surkasha and jivan jyoti togeather .will govt provides benefit of both policy
Yes you can if you meet the eligibility criteria of both.
If one enrols for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and pays all the due premiums then if death happens through natural or accident till subscriber is 55 years of age nominee will get 2 lakh.
If one enrols for Pradhan Mantri Suraksha Bima Yojana (PMSBY) and pays all the due premiums then if death happens ,due to accident ,only till 70 years of age nominee will get 2 lakh. Incase of natural death nominee will not get 2 lakh. In case of Disability of both eyes, both hands, both legs or one eye and one limb due to accident one will get Rs 2 lakhs. And for Disability of one eye or one limb one will get Rs 1 lakh
More such questions we have answered in our article FAQ & List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Whether a person could get Rs4.00 lakh if dies (accidental) at the age less than 55 yrs, having covered by both the scheme, PMSBY & PMJJBY.
I am a Counsellor of Financial Literacy Centre have to face this question during public meet. Please reply early.
Are persons suffering from critical illness are eligible to enroll for life insurance under this scheme? What is medically fitness criteria?
There is no medical test. One has to just give declaration of good health.
Thanks, But what does good health means ? Remember the fine prints of terms and conditions are most important in life insurance during claim.
So any info on “Good Health” will be of help.
You are right Sir.
But We request you to go through the forms & claim forms of PMJJBY & PMSBY. Reference to Consent cum declaration form For Claim Form
Links to Claim form for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) from jansuraksha.gov.in are here English(pdf format)
Links to Claim form for Pradhan Mantri Suraksha Bima Yojana (PMSBY) from jansuraksha.gov.in are here English(pdf format) and Hindi(pdf).
Only in PMSBY they ask Whether suffering from any disability, if yes give details.
Are persons suffering from critical illness are eligible to enroll for life insurance under this scheme? What is medically fitness criteria?
There is no medical test. One has to just give declaration of good health.
Thanks, But what does good health means ? Remember the fine prints of terms and conditions are most important in life insurance during claim.
So any info on “Good Health” will be of help.
You are right Sir.
But We request you to go through the forms & claim forms of PMJJBY & PMSBY. Reference to Consent cum declaration form For Claim Form
Links to Claim form for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) from jansuraksha.gov.in are here English(pdf format)
Links to Claim form for Pradhan Mantri Suraksha Bima Yojana (PMSBY) from jansuraksha.gov.in are here English(pdf format) and Hindi(pdf).
Only in PMSBY they ask Whether suffering from any disability, if yes give details.
while applying for atal pensin bank persons told that scheme can be cancelled after five year if modi government fails in central and if money which we are paying is not guarantee by bank at that time ??????
Theoretically it is possible but it is difficult to unroll a scheme.
If that happens well the new govt would either return money or start another scheme like NPS Swalabhan or NPS Lite is now merged with Atal Pension Yojna.
while applying for atal pensin bank persons told that scheme can be cancelled after five year if modi government fails in central and if money which we are paying is not guarantee by bank at that time ??????
Theoretically it is possible but it is difficult to unroll a scheme.
If that happens well the new govt would either return money or start another scheme like NPS Swalabhan or NPS Lite is now merged with Atal Pension Yojna.
Pension Yojna (APY) plan a/c holder is death that case what next prossisor …
The subscriber passes away then nominee has to inform the bank branch from which policy was taken. On receipt of death intimation, the servicing bank branch shall send the Claim form , Death Certificate, Discharge form and Certificate of Insurance from the nominated Beneficiary to Insurance company. On admission of the claim, the claim amount pension for spouse will start.
On death of spouse again approach the bank branch and submit the claim form along with Death certificate which will be forwarded to the Insurance company. If claim if approved the nominee will get the lump sum amount
Pension Yojna (APY) plan a/c holder is death that case what next prossisor …
The subscriber passes away then nominee has to inform the bank branch from which policy was taken. On receipt of death intimation, the servicing bank branch shall send the Claim form , Death Certificate, Discharge form and Certificate of Insurance from the nominated Beneficiary to Insurance company. On admission of the claim, the claim amount pension for spouse will start.
On death of spouse again approach the bank branch and submit the claim form along with Death certificate which will be forwarded to the Insurance company. If claim if approved the nominee will get the lump sum amount
Dear Sir/Madam,
I have a account in SBM.
is it mandatory to go into bank before June to have this benefit?
Or is it okay even after June to get this scheme(PMSBY) benefit..?
No it is not mandatory to go for this scheme and also not before June.
Initially on launch for the cover period from 1st June 2015 to 31st May 2016 subscribers are expected to enroll and give their auto-debit option by 31st May 2015, extendible up to 31st August 2015. Enrolment after 31 Aug 2015 will be possible prospectively on payment of full annual payment and submission of a self-certificate of good health.
Dear Sir/Madam,
I have a account in SBM.
is it mandatory to go into bank before June to have this benefit?
Or is it okay even after June to get this scheme(PMSBY) benefit..?
No it is not mandatory to go for this scheme and also not before June.
Initially on launch for the cover period from 1st June 2015 to 31st May 2016 subscribers are expected to enroll and give their auto-debit option by 31st May 2015, extendible up to 31st August 2015. Enrolment after 31 Aug 2015 will be possible prospectively on payment of full annual payment and submission of a self-certificate of good health.
Dear Sir/Madum,
I have account SBM. I would like to enter into this scheme(PMSBY).
Is there any necessity to go into bank before June to have this benefit.?
Or is it Okay even after June?
Can any one reply me about this..?
Our article FAQ & List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Pradhan Mantri Suraksha Bima Yojana (PMSBY) many such questions. Please do read it
Dear Sir/Madum,
I have account SBM. I would like to enter into this scheme(PMSBY).
Is there any necessity to go into bank before June to have this benefit.?
Or is it Okay even after June?
Can any one reply me about this..?
Our article FAQ & List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Pradhan Mantri Suraksha Bima Yojana (PMSBY) many such questions. Please do read it
Atal pension yojana me 3 or 7 saal premium dene k bad agar mai premium nahi de pau to tab kya hoga, mujhe kuch v return nahi milega kya?
In Atal Pension Yojna monthly contribution would automatically be deducted from Subscriber’s bank account. Subscriber should ensure that the Bank account to be funded enough for auto debit of contribution amount. If there is delay in contributions then Bank would levy penalty. The fixed amount of interest/penalty will remain as part of the pension corpus of the subscriber.
Rs 1 per month for contribution upto Rs. 100 per month.
Rs 2 per month for contribution upto Rs. 101 to 500 per month.
Rs 5 per month for contribution between Rs 501 to 1000 per month.
Rs 10 per month for contribution beyond Rs 1001 per month.
Discontinuation of payments of contribution amount shall lead to following:
After 6 months account will be frozen.
After 12 months account will be deactivated.
After 24 months account will be closed.
Atal pension yojana me 3 or 7 saal premium dene k bad agar mai premium nahi de pau to tab kya hoga, mujhe kuch v return nahi milega kya?
In Atal Pension Yojna monthly contribution would automatically be deducted from Subscriber’s bank account. Subscriber should ensure that the Bank account to be funded enough for auto debit of contribution amount. If there is delay in contributions then Bank would levy penalty. The fixed amount of interest/penalty will remain as part of the pension corpus of the subscriber.
Rs 1 per month for contribution upto Rs. 100 per month.
Rs 2 per month for contribution upto Rs. 101 to 500 per month.
Rs 5 per month for contribution between Rs 501 to 1000 per month.
Rs 10 per month for contribution beyond Rs 1001 per month.
Discontinuation of payments of contribution amount shall lead to following:
After 6 months account will be frozen.
After 12 months account will be deactivated.
After 24 months account will be closed.
I have a mediclaim policy, so I eligible for any scheme PMSBY or PMJJY or APY please suggest me.
Yes. It is over and above any other covers that you have. So if you have any personal accident or life insurance policy you can claim from that policy and this one. Please note that insurance cover for PBJJBY & PMSBY will be for 2 lakh only.
Mediclaim is for medical these two schemes anyway do not overlap.
I have a mediclaim policy, so I eligible for any scheme PMSBY or PMJJY or APY please suggest me.
Yes. It is over and above any other covers that you have. So if you have any personal accident or life insurance policy you can claim from that policy and this one. Please note that insurance cover for PBJJBY & PMSBY will be for 2 lakh only.
Mediclaim is for medical these two schemes anyway do not overlap.
My father is 52 years old. Is he eligible for PMJJBY ?? If Anyone is eligible, Will the benefits covers only upto 55 years of age Or until one’s death.?? Please clarify my doubt…
No Sir, eligibility of PMJJBY is 18-50 years only. As your father is 52 years old he is not eligible for it.
And you are right cover in PMJJBY is only valid till 55 years of age.
He can enrol for PMSBY though where eligibility is between 18-70 years
where i need to do claim if i required on any accident or accidental death? and who will be settle our claim? bank will be responsible? or any other company?
If the subscriber passes away then nominee has to inform the bank branch from which policy was taken. On receipt of death intimation, the servicing bank branch shall send the Claim form , Death Certificate, Discharge form and Certificate of Insurance from the nominated Beneficiary to Insurance company. On admission of the claim, the claim amount will be paid to the bank account of the nominee with intimation to the designated branch of the Bank . In case of requirements or claim is not accepted, the same will be intimated to designated branch of the Bank.
My father is 52 years old. Is he eligible for PMJJBY ?? If Anyone is eligible, Will the benefits covers only upto 55 years of age Or until one’s death.?? Please clarify my doubt…
No Sir, eligibility of PMJJBY is 18-50 years only. As your father is 52 years old he is not eligible for it.
And you are right cover in PMJJBY is only valid till 55 years of age.
He can enrol for PMSBY though where eligibility is between 18-70 years
where i need to do claim if i required on any accident or accidental death? and who will be settle our claim? bank will be responsible? or any other company?
If the subscriber passes away then nominee has to inform the bank branch from which policy was taken. On receipt of death intimation, the servicing bank branch shall send the Claim form , Death Certificate, Discharge form and Certificate of Insurance from the nominated Beneficiary to Insurance company. On admission of the claim, the claim amount will be paid to the bank account of the nominee with intimation to the designated branch of the Bank . In case of requirements or claim is not accepted, the same will be intimated to designated branch of the Bank.
श्रीमान प्रधानमंत्री MODIJI मै बहुत गरीब परिवार से हू। मेरा परिवार भी बड़ा है श्री प्रधानमंत्री महोदय जी के इस योजना से सभी गरीब परिवार का भला होगा। समस्त पिछड़ी जाती अति पिछड़े जाती के लोगो का भला होगा। श्री प्रधानमंत्री महोदय जी का आभार बंदन है।
श्रीमान प्रधानमंत्री MODIJI मै बहुत गरीब परिवार से हू। मेरा परिवार भी बड़ा है श्री प्रधानमंत्री महोदय जी के इस योजना से सभी गरीब परिवार का भला होगा। समस्त पिछड़ी जाती अति पिछड़े जाती के लोगो का भला होगा। श्री प्रधानमंत्री महोदय जी का आभार बंदन है।
If I already have other insurance policies (not under social security schemes), then am I eligible for benefits of these insurance schemes i.e. PMJJBY & PMSBY ? Kindlly clarify.
If I already have other insurance policies (not under social security schemes), then am I eligible for benefits of these insurance schemes i.e. PMJJBY & PMSBY ? Kindlly clarify.
Yes these policies can be taken even if you have other insurance schemes.
Kind Attention…Prime Minister Jeevan Jyoti Bima Yojana me sirf un-insured person hi eligible hai. Iska MATLAB agar apne kisi bhi insurance company ki policy le rakhi hai to aap eligible nahi hai. Bank apki premium to deduct kar lega lekin Claim payable nahi hai. This information has given by a senior Manager of a bank as per circular…
Please get this clarified before you take policy…
Kind Attention…Prime Minister Jeevan Jyoti Bima Yojana me sirf un-insured person hi eligible hai. Iska MATLAB agar apne kisi bhi insurance company ki policy le rakhi hai to aap eligible nahi hai. Bank apki premium to deduct kar lega lekin Claim payable nahi hai. This information has given by a senior Manager of a bank as per circular…
Please get this clarified before you take policy…
Sir this is not true. You can take this policy in addition to any other life insurance policies.
‘Atal Pension Yojana’, Suppose, if a person subscribes it for the 60 years of his age, but unfortunately he died before his age of 60 years, then what type of benefit is available for his family
In case of death of subscriber pension would be available to the spouse and on the death of both of them (subscriber and spouse), corressponing pension corpus would be given to his nominee.
Hope above kirti answer is wrong ..i think once pesion started then only after detth money will given spouce and after her death corpus will given to nomineee.
i gone through all the docs which provided by APY…they didnot mention if a contributor died before 60 years and how much they will return to Spouce or nominee…No clear answer on this
‘Atal Pension Yojana’, Suppose, if a person subscribes it for the 60 years of his age, but unfortunately he died before his age of 60 years, then what type of benefit is available for his family
In case of death of subscriber pension would be available to the spouse and on the death of both of them (subscriber and spouse), corressponing pension corpus would be given to his nominee.
Hope above kirti answer is wrong ..i think once pesion started then only after detth money will given spouce and after her death corpus will given to nomineee.
i gone through all the docs which provided by APY…they didnot mention if a contributor died before 60 years and how much they will return to Spouce or nominee…No clear answer on this
‘Atal Pension Yojana’, Suppose, if a person subscribes it for the 60 years of his age, but unfortunately he died before his age of 60 years, then what type of benefit is available for his family in this ‘Atal Pension Yojna’.
‘Atal Pension Yojana’, Suppose, if a person subscribes it for the 60 years of his age, but unfortunately he died before his age of 60 years, then what type of benefit is available for his family in this ‘Atal Pension Yojna’.
Narendra modhi is god of INDIA
Narendra modhi is god of INDIA
I completed 40 years in December 2014. Am I still eligible for APY as my contribution period will be exactly the same as those who have their 4oth birtday in May, 2015.
Sir, Most insurance companies use your nearest age rather than actual age to calculate your age .
Your birthday is in Dec 1974 , say 11 Dec. So till 10 June your nearest birthday would be 40 and after 10 Jun 2015 your nearest birthday age would be 41.
So you can enrol for APY before Jun 2015.
I completed 40 years in December 2014. Am I still eligible for APY as my contribution period will be exactly the same as those who have their 4oth birtday in May, 2015.
Sir, Most insurance companies use your nearest age rather than actual age to calculate your age .
Your birthday is in Dec 1974 , say 11 Dec. So till 10 June your nearest birthday would be 40 and after 10 Jun 2015 your nearest birthday age would be 41.
So you can enrol for APY before Jun 2015.
It is very good for Every Indian .
It is very good for Every Indian .
Pradhanmantri ,all this Yojana is VERY GOOD. Insurance is one very imp issence thing in every budys Life ! ok thanks
Pradhanmantri ,all this Yojana is VERY GOOD. Insurance is one very imp issence thing in every budys Life ! ok thanks
This Scheme’s are very much helpful for the type of people even a Farmer can also avail this.
This Scheme’s are very much helpful for the type of people even a Farmer can also avail this.
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Question
1.
Can take all 3 scheme?
2.
is there also any quota for SC, ST & OBC
If one meets the eligibility criteria then one can apply in all 3 schemes.
No there is no separate quota for anyone.
haan aap kota pehle le lo,, baki sab to chalta rahega .
Question
1.
Can take all 3 scheme?
2.
is there also any quota for SC, ST & OBC
If one meets the eligibility criteria then one can apply in all 3 schemes.
No there is no separate quota for anyone.
haan aap kota pehle le lo,, baki sab to chalta rahega .
Great Work PM, keep on the good work. We are with you. Guys as suggested by Modiji plz get your driver and maid enroll for the scheme.
I have already enrolled all my 3 maid workers in all the three scheme.
Thats great work. It should inspire others also to do so.
Great Work PM, keep on the good work. We are with you. Guys as suggested by Modiji plz get your driver and maid enroll for the scheme.
I have already enrolled all my 3 maid workers in all the three scheme.
Thats great work. It should inspire others also to do so.
sir.mere mind me ek yojna hai agar
apko sahi lage.har garib kutumbh me ek sarkari servant ho.kisi parivar me sare hi sarvice pe hai to kahi koi nahi. bus ek kutumbh ek noukari.kheti me napiki bi hui to kisi kastkar ko Aatmhattya jaysa marg nahi Apnana padega.jobhi ladka sarvice par hoga usko payment ka 5% rakkam ma- bap ko deni hogi.isse 25% garibi kam ho jayengi.aur hamare desh ka vikas hoga.
sir.mere mind me ek yojna hai agar
apko sahi lage.har garib kutumbh me ek sarkari servant ho.kisi parivar me sare hi sarvice pe hai to kahi koi nahi. bus ek kutumbh ek noukari.kheti me napiki bi hui to kisi kastkar ko Aatmhattya jaysa marg nahi Apnana padega.jobhi ladka sarvice par hoga usko payment ka 5% rakkam ma- bap ko deni hogi.isse 25% garibi kam ho jayengi.aur hamare desh ka vikas hoga.
Sir, muze aapse ye puchna hai ki pradhanmantri surkhsha bima yojna me only accidential death par hi 2 lakh milenga nominee ko, agar natural death hui to premium ka amount nominee ko kuch nahi milenga kya ? aur pradhanmantri jeevan jyoti bima yojna me agar natural death hui to nominee ko pura premium milenga, aur agar accidentail death hui to bhi uske nominee ko pura premium milenga kya pls clrify my this issues
Sir, muze aapse ye puchna hai ki pradhanmantri surkhsha bima yojna me only accidential death par hi 2 lakh milenga nominee ko, agar natural death hui to premium ka amount nominee ko kuch nahi milenga kya ? aur pradhanmantri jeevan jyoti bima yojna me agar natural death hui to nominee ko pura premium milenga, aur agar accidentail death hui to bhi uske nominee ko pura premium milenga kya pls clrify my this issues
“pradhan mantri jeevan jyoti scheme” me kitna saal 330/- varna parega?
Untill your death
Jab tak 50 years ke nahin ho jaate hain. Insurance cover aapka 55 years tak hi hai.
“pradhan mantri jeevan jyoti scheme” me kitna saal 330/- varna parega?
Untill your death
Jab tak 50 years ke nahin ho jaate hain. Insurance cover aapka 55 years tak hi hai.
It’s a very good scheme for all Indians and it is very help full for poverty people. Thanks Modi Gee.
It’s a very good scheme for all Indians and it is very help full for poverty people. Thanks Modi Gee.
Dear Sir,
these schemes are too good for all and me,
Dear Sir,
these schemes are too good for all and me,
Sir,
Thank you for giving us such a oppertunity which helps us in our old age as well as to our family members. thank you again
Sir,
Thank you for giving us such a oppertunity which helps us in our old age as well as to our family members. thank you again
Great efforts by the Govt. of India.
at present i am 42 years old and this scheme is only for 18-40 yrs. May i request on behalf of all Indians who are more than 40 yrs. to increase the age limit to take this scheme. There would be no problem to pay even extra monthly premium. There are so many persons who would be benefited under this scheme. Kindly do the needful if possible in this scheme.
Great efforts by the Govt. of India.
at present i am 42 years old and this scheme is only for 18-40 yrs. May i request on behalf of all Indians who are more than 40 yrs. to increase the age limit to take this scheme. There would be no problem to pay even extra monthly premium. There are so many persons who would be benefited under this scheme. Kindly do the needful if possible in this scheme.
Great efforts by the Govt. of India. Its a result of Prime Minister’s vision. I would like to take all the policies for safe and saved future of my family.
I am working in NGO sector and have a provision of very small pension (may be 1000/2000/- per month) after the retirement. Can i take this scheme ?
Another obstacle that is, at present i am 42 years old and this scheme is only for 18-40 yrs. May i request on behalf of my other colleagues who are more than 40 yrs. to increase the age limit to take this scheme. There would be no problem to pay even extra monthly premium. There are so many persons who would be benefited under this scheme. Kindly do the needful if possible in this scheme.
Great efforts by the Govt. of India. Its a result of Prime Minister’s vision. I would like to take all the policies for safe and saved future of my family.
I am working in NGO sector and have a provision of very small pension (may be 1000/2000/- per month) after the retirement. Can i take this scheme ?
Another obstacle that is, at present i am 42 years old and this scheme is only for 18-40 yrs. May i request on behalf of my other colleagues who are more than 40 yrs. to increase the age limit to take this scheme. There would be no problem to pay even extra monthly premium. There are so many persons who would be benefited under this scheme. Kindly do the needful if possible in this scheme.
Dear sir,
this is great policy for indian poor people and narender modi is great prime minister in india ,
Regards
Sunil Rajput
Dear sir,
this is great policy for indian poor people and narender modi is great prime minister in india ,
Regards
Sunil Rajput
Pradhan mantri ji ne bahut hi acha kadam uthaya hai.
I appreciate. For complete details also check http://www.pradhanmantriyojana.in/
Pradhan mantri ji ne bahut hi acha kadam uthaya hai.
I appreciate. For complete details also check http://www.pradhanmantriyojana.in/
sir i proude of you
ki aaj tak ayesa P M baba hi nahi Jo it an a kuchh soche sab Ka sab lutne aye aur luta bhi sir tahe dil se sukriya dete hai
nano
namo
sir i proude of you
ki aaj tak ayesa P M baba hi nahi Jo it an a kuchh soche sab Ka sab lutne aye aur luta bhi sir tahe dil se sukriya dete hai
nano
namo
I am planning to avail the Atal Pension Yojna plan. I got separated from my husband and lives with my son.
Is that possible to nominate my son as Nominee without mentioning the spouse name.
Yes Maam
If you look at the APY form then filling Nominee details are mandatory, Spouse name isn’t.
But if your nominee is minor then you do need to provide details of guardian.
I am planning to avail the Atal Pension Yojna plan. I got separated from my husband and lives with my son.
Is that possible to nominate my son as Nominee without mentioning the spouse name.
Yes Maam
If you look at the APY form then filling Nominee details are mandatory, Spouse name isn’t.
But if your nominee is minor then you do need to provide details of guardian.
Sir,
who are not covered by any Statutory Social Security Schemes and are not income tax payers, What do you mean by social statutory security? Can one apply to both PMJJBY and PMSBY?
Sir,
who are not covered by any Statutory Social Security Schemes and are not income tax payers, What do you mean by social statutory security? Can one apply to both PMJJBY and PMSBY?
I have a doubt, i am taken all new yojna with sukanya samrudhi yojna, if after 5 years again Congress govt come to the power then what happened ??? they continue the yojna Or they stop all the yojna if they stop then what happened of our deposit amount in sukanya samrudhi yojna ???
Please clarify me .
Forget you Money
I have a doubt, i am taken all new yojna with sukanya samrudhi yojna, if after 5 years again Congress govt come to the power then what happened ??? they continue the yojna Or they stop all the yojna if they stop then what happened of our deposit amount in sukanya samrudhi yojna ???
Please clarify me .
Forget you Money
Can a person have both Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana ??
Is there any issue in enrolling for both?
Yes, these are two different schemes available. You could still join both the schemes.
Can a person have both Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana ??
Is there any issue in enrolling for both?
Yes, these are two different schemes available. You could still join both the schemes.
Can an individual buy multiple accidental insurance policy say for example one from PMSBY @ rs 12 and others from different service provider but not under social security system.
In the event of death can the person claim for all policies ot it will be just one?
all policy, because life is having unlimited value
It is one person one policy. Therefore, you can’t have two PMJJBY or two PMSBY.
Can an individual buy multiple accidental insurance policy say for example one from PMSBY @ rs 12 and others from different service provider but not under social security system.
In the event of death can the person claim for all policies ot it will be just one?
all policy, because life is having unlimited value
It is one person one policy. Therefore, you can’t have two PMJJBY or two PMSBY.
I am 32 years old.and want 5000 scheme. how much it will cost.
in which bank we have to join for this scheme.
Any Nationalized Bank….
For 32 years old for 5000 Rs monthly pension the amount is Rs 689. Table for all ages is available in our article Atal Pension Yojna
You can join any bank ex public banks like SBI,Central bank or private banks like Kotak Mahindra Bank, HDFC Bank, ICICI Bank
I am 32 years old.and want 5000 scheme. how much it will cost.
in which bank we have to join for this scheme.
Any Nationalized Bank….
For 32 years old for 5000 Rs monthly pension the amount is Rs 689. Table for all ages is available in our article Atal Pension Yojna
You can join any bank ex public banks like SBI,Central bank or private banks like Kotak Mahindra Bank, HDFC Bank, ICICI Bank
If Govt changes, will this scheme be still continuing?
Usually they do. For ex Aadhaar was started by UPA but BJP continues to support it.
With kind of interest that these schemes have generated and kind of targets the schemes are expected to achieve I doubt if any govt. would change it.
If Govt changes, will this scheme be still continuing?
Usually they do. For ex Aadhaar was started by UPA but BJP continues to support it.
With kind of interest that these schemes have generated and kind of targets the schemes are expected to achieve I doubt if any govt. would change it.
Hi, I am an aspirant of Govt. job ,age of 26+ . After starting Atal pension Yojana if I become Govt employee then will I be eligible for it or can I continue it???????
Hi, I am an aspirant of Govt. job ,age of 26+ . After starting Atal pension Yojana if I become Govt employee then will I be eligible for it or can I continue it???????
very good scheme
very good scheme
What will happen if someone has enrolled for both the insurance plans i.e. PMJJY and PMSBY? If someone dies in accident, would the nominee get the benefits of both schemes, i.e. 2L for PMJJY and 2L for PMSBY = 4L??
One another thing is, what will happen if you close the bank account through which you enrolled for the schemes?
What in case if the bank gets closed for any reason?
Can it be transferred to another bank account?
Yes ; the person will get both benefit becàuse these two plans are
Seperate plans and the person is paying premium seperately for both
The plans
hey
i have red all terms&conditions and i got to know from those is,we cant go with two policy’s at a time.if in such case both the policy’s would be cancelled…so people be aware of it.dont go for both the plans.go through throughly the terms &conditions.
Karthikji, please can you transcribe the section of that terms and condition here?
And do anyone know if we can change the bank account or not??
What will happen if someone has enrolled for both the insurance plans i.e. PMJJY and PMSBY? If someone dies in accident, would the nominee get the benefits of both schemes, i.e. 2L for PMJJY and 2L for PMSBY = 4L??
One another thing is, what will happen if you close the bank account through which you enrolled for the schemes?
What in case if the bank gets closed for any reason?
Can it be transferred to another bank account?
Yes ; the person will get both benefit becàuse these two plans are
Seperate plans and the person is paying premium seperately for both
The plans
hey
i have red all terms&conditions and i got to know from those is,we cant go with two policy’s at a time.if in such case both the policy’s would be cancelled…so people be aware of it.dont go for both the plans.go through throughly the terms &conditions.
Karthikji, please can you transcribe the section of that terms and condition here?
And do anyone know if we can change the bank account or not??
I have a Question?
If Someone have 3 different account on different bank then would he/she is applicable for this Scheme or this scheme benefit is applicable for all of his account or any One.
Someone can only apply through one bank account.
I have a Question?
If Someone have 3 different account on different bank then would he/she is applicable for this Scheme or this scheme benefit is applicable for all of his account or any One.
Someone can only apply through one bank account.
Dear all
1)Still it not cleared who are illegible for pension scheme, since I am private employ and also tax payer, in my epf account pension scheme are there,…still am I illegible for pension scheme. Or it is for only spespecified person
If you are less than 40 years of age then you eligible for Atal Pension Yojna. Govt will not be contributing any amount to the account.
Government co-contribution is available for 5 years, i.e., from 2015-16 to 2019-20 for the subscribers who join the scheme during the period from 1st June, 2015 to 31st December, 2015 and who are not covered by any Statutory Social Security Schemes and are not income tax payers.
Please tell me the meaning of STATUTORY SOCIAL SECURITY SCHEMES
Dear all
1)Still it not cleared who are illegible for pension scheme, since I am private employ and also tax payer, in my epf account pension scheme are there,…still am I illegible for pension scheme. Or it is for only spespecified person
If you are less than 40 years of age then you eligible for Atal Pension Yojna. Govt will not be contributing any amount to the account.
Government co-contribution is available for 5 years, i.e., from 2015-16 to 2019-20 for the subscribers who join the scheme during the period from 1st June, 2015 to 31st December, 2015 and who are not covered by any Statutory Social Security Schemes and are not income tax payers.
Please tell me the meaning of STATUTORY SOCIAL SECURITY SCHEMES
Social Security schemes are designed to guarantee at least long-term sustenance to families when the earning member retires, dies or suffers a disability.
Statutory means as required by law like Statutory warning on cigarettes packet.
In India examples of Statutory Social Security schemes
EPF , NPS
The Maternity Benefit Act, 1961 (M.B. Act), which provides for 12 weeks wages during maternity as well as paid leave in certain other related contingencies.
The Payment of Gratuity Act, 1972 (P.G. Act), which provides 15 days wages for each year of service to employees who have worked for five years or more in establishments having a minimum of 10 workers.
IS YOJNA KO HAM KAB LE SAKTE HE AAJ ME BANK ME GAYA THA PER BANK WALO NE KAHA ABHI KOI ORDER NAHI AYA HE HAMARE PAS KOI JANKARI BHI NAHI HE
IS YOJNA KO HAM KAB LE SAKTE HE AAJ ME BANK ME GAYA THA PER BANK WALO NE KAHA ABHI KOI ORDER NAHI AYA HE HAMARE PAS KOI JANKARI BHI NAHI HE
hello
can any one tell me,
1)in case subcriber dies before 60, does spouse need to deposit further premiums, or they will stop, and pension starts ?? not clear in conditions.
2) in case spouse also expires before 60, then what will be the payment amount to nominees ?
Hello Sir,
Insurance is for protection and if all premiums are paid the insurance will start if the subscriber dies before paying all the premiums.
If subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOT have to pay any more premium and will get pension.
Whenever the spouse dies (it is not necessary for spouse to die before 60 years of age) the nominees will get lump sum amount.
hello
can any one tell me,
1)in case subcriber dies before 60, does spouse need to deposit further premiums, or they will stop, and pension starts ?? not clear in conditions.
2) in case spouse also expires before 60, then what will be the payment amount to nominees ?
Hello Sir,
Insurance is for protection and if all premiums are paid the insurance will start if the subscriber dies before paying all the premiums.
If subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOT have to pay any more premium and will get pension.
Whenever the spouse dies (it is not necessary for spouse to die before 60 years of age) the nominees will get lump sum amount.
can we buy both bima yojana for single person ?
Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana.
yes you can buy both ,
I just did with ICICI bank
can we buy both bima yojana for single person ?
Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana.
yes you can buy both ,
I just did with ICICI bank
PM Really did a good job by launching these schemes, I really appreciate. Read Full at http://www.pmbimayojana.in
PM Really did a good job by launching these schemes, I really appreciate. Read Full at http://www.pmbimayojana.in
i am from khammam.can i apply here Hospet (karnataka State )sbi bank
i am from khammam.can i apply here Hospet (karnataka State )sbi bank
Hi,
Can some one please help me with answers to below?
1. When these policies will actually be available in Private banks like HDFC/Axis/ICICI or these should be only with Govt banks?
2. Can my contribution to APY be increased to get more benefit than 5000/- per month? instead of 376 per year, I can contribute more to get more benefit.
3. Atal Pension forms are still not available in SBI. Has anyone enrolled for it?
Thanks
Nishikant.
Sir,
1. These policies are available with private banks also. Customers of banks, like Kotak Mahindra Bank, HDFC Bank, ICICI Bank, IndusInd Bank and SBI, can subscribe to PMJJBY and PMSBY in any of the following manners:
* Visiting a bank branch nearest to your place, filling the Consent-cum Declaration Form & depositing in the branch itself
* Through Netbanking by filling the online form
* Sending an SMS to the number provided by bank
2.No maximum pension that one can avail through APY is 5000 Rs.
3.Yes many people have enrolled in in SBI. Please check with your branch
Hi,
Can some one please help me with answers to below?
1. When these policies will actually be available in Private banks like HDFC/Axis/ICICI or these should be only with Govt banks?
2. Can my contribution to APY be increased to get more benefit than 5000/- per month? instead of 376 per year, I can contribute more to get more benefit.
3. Atal Pension forms are still not available in SBI. Has anyone enrolled for it?
Thanks
Nishikant.
Sir,
1. These policies are available with private banks also. Customers of banks, like Kotak Mahindra Bank, HDFC Bank, ICICI Bank, IndusInd Bank and SBI, can subscribe to PMJJBY and PMSBY in any of the following manners:
* Visiting a bank branch nearest to your place, filling the Consent-cum Declaration Form & depositing in the branch itself
* Through Netbanking by filling the online form
* Sending an SMS to the number provided by bank
2.No maximum pension that one can avail through APY is 5000 Rs.
3.Yes many people have enrolled in in SBI. Please check with your branch
actually i am from khammam .can i apply in HOSPET (karanata state) in sbi bank
Yes you can apply from any bank
actually i am from khammam .can i apply in HOSPET (karanata state) in sbi bank
Yes you can apply from any bank
Dear Kirti
If one has opted for both PMJJBY(330/-) and PMSBY(12/-).
In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBY amount is given if it is only an accidental.
My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not?
Yes Sir if someone dies in an accident, the nominee would get Rs. 4 lakhs.
Dear Kirti
If one has opted for both PMJJBY(330/-) and PMSBY(12/-).
In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBY amount is given if it is only an accidental.
My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not?
Yes Sir if someone dies in an accident, the nominee would get Rs. 4 lakhs.
jana seve madalu agent agabahude
jana seve madalu agent agabahude
if person got accident he can go any of hospital near by the accidental place and avail the benefits of the pradhanmantri suraksha bema yojana
Sir it is not health or medical insurance.
Accident insurance covers following:
If one dies during accident
one gets benefit of Rs 2 lakhs
Death Benefit (Accidental Death)
If one loses both eyes, both hands, both legs or one eye and one limb in accident one gets Rs 2 lakhs
If one gets Disability of one eye or one limb one gets Rs 1 lakh
if person got accident he can go any of hospital near by the accidental place and avail the benefits of the pradhanmantri suraksha bema yojana
Sir it is not health or medical insurance.
Accident insurance covers following:
If one dies during accident
one gets benefit of Rs 2 lakhs
Death Benefit (Accidental Death)
If one loses both eyes, both hands, both legs or one eye and one limb in accident one gets Rs 2 lakhs
If one gets Disability of one eye or one limb one gets Rs 1 lakh
i am tax payer but why apy is not for me?
If you are between 18-40 years you can invest in Atal Pension Yojna. As you are income tax payer Government contribution is not available for you.
Government co-contribution is available for 5 years, i.e., from 2015-16 to 2019-20 for the subscribers who join the scheme during the period from 1st June, 2015 to 31st December, 2015 and who are not covered by any Statutory Social Security Schemes and are not income tax payers.
i am tax payer but why apy is not for me?
If you are between 18-40 years you can invest in Atal Pension Yojna. As you are income tax payer Government contribution is not available for you.
Government co-contribution is available for 5 years, i.e., from 2015-16 to 2019-20 for the subscribers who join the scheme during the period from 1st June, 2015 to 31st December, 2015 and who are not covered by any Statutory Social Security Schemes and are not income tax payers.
These schemes will secure our future and we must enroll for the same as I did.
These schemes will secure our future and we must enroll for the same as I did.
OPEN RD FOR SAME AMOUNT/SAME PERIOD U WILL GET MORE THAN THE PENSION FROM MATURITY AMOUNT AFTER 60 YRS
i am sure,you can’t continue RD upto end,you will withdraw cash.but in this plan you cant
RD interest is taxable and the pension under this scheme would be tax free as well as the lumpsum amount to your nominee would be tax free
As of now there is no tax benefit on Atal Pension. You wont get any 80C benefit for the premium that you would pay. Even the pension that you would get after you atain 60 years of age would be taxable.
OPEN RD FOR SAME AMOUNT/SAME PERIOD U WILL GET MORE THAN THE PENSION FROM MATURITY AMOUNT AFTER 60 YRS
i am sure,you can’t continue RD upto end,you will withdraw cash.but in this plan you cant
RD interest is taxable and the pension under this scheme would be tax free as well as the lumpsum amount to your nominee would be tax free
As of now there is no tax benefit on Atal Pension. You wont get any 80C benefit for the premium that you would pay. Even the pension that you would get after you atain 60 years of age would be taxable.
thank u honourable Modi ji, now all are equal, every one can get pension and life security.
thank u honourable Modi ji, now all are equal, every one can get pension and life security.
Dhanyawaad Shrimaan !!
Dhanyawaad Shrimaan !!
Can a housewife subscribe for Atal Pension Yojna? My age is 41 years and I can not be a part of APY; but my wife is below 40 and housewife. Can she subscribe for APY?
Yes she can . To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age and have a saving bank account.
Can a housewife subscribe for Atal Pension Yojna? My age is 41 years and I can not be a part of APY; but my wife is below 40 and housewife. Can she subscribe for APY?
Yes she can . To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age and have a saving bank account.
[…] started “Pradhan Mantri Suraksha Bima Yojana”(accident insurance), “Pradhan Mantri Jivan Jyoti Yojana”(life insurance) and “Atal Pension […]
[…] started “Pradhan Mantri Suraksha Bima Yojana”(accident insurance), “Pradhan Mantri Jivan Jyoti Yojana”(life insurance) and “Atal Pension […]
Hi,
Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank.
Please email to kumarsalian26@gmail.com
thanks
kumar
Sir what kind of help do you need?
Dear Customer, Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an annual premium of Rs 12. To subscribe SMS PMSBY Y to 5676712 from your registered mobile number. Premium amount will be debited from Your HDFC Bank Savings Account. For T & C & other details click http://bit.ly/1PwqQXB
Hi,
Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank.
Please email to kumarsalian26@gmail.com
thanks
kumar
Sir what kind of help do you need?
Dear Customer, Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an annual premium of Rs 12. To subscribe SMS PMSBY Y to 5676712 from your registered mobile number. Premium amount will be debited from Your HDFC Bank Savings Account. For T & C & other details click http://bit.ly/1PwqQXB
Option 1: Login to your Net Banking Account, on the top menu, you will see a tab named ‘Insurance’, click on that. Then on the left hand corner, you will see PM Suraksha Bima Yojana.
Option 2: SMS PMSBY Y to 5676712 from your registered mobile number.
Option 3: Visit your nearest branch, they will enroll you to the scheme.
AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA
Hi
Kirti please explain me,In case of policy holder expire before complated 60 years term then What happen of their policy of Atal penssion Yojana?
Sir, In case of death of subscribe,r pension would be available to the spouse and on the death of both of them (subscriber and spouse), the pension corpus would be returned to his nominee.
We have explained such questions in our article Atal Pension Yojna
If subscriber of APY dies before the age of 60 years, will his spouse still get the pension monthly,even though the subscriber has not paid the premium upto 60 years of age?
In case of policy holder expire before complated 60 years term then What happen of their policy of Atal penssion Yojana?
Sir,
If subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOT have to pay any more premiums and will get pension.
Whenever the spouse dies (it is not necessary for spouse to die before 60 years of age) the nominee will get lump sum amount.
AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA
Hi
Kirti please explain me,In case of policy holder expire before complated 60 years term then What happen of their policy of Atal penssion Yojana?
Sir, In case of death of subscribe,r pension would be available to the spouse and on the death of both of them (subscriber and spouse), the pension corpus would be returned to his nominee.
We have explained such questions in our article Atal Pension Yojna
If subscriber of APY dies before the age of 60 years, will his spouse still get the pension monthly,even though the subscriber has not paid the premium upto 60 years of age?
In case of policy holder expire before complated 60 years term then What happen of their policy of Atal penssion Yojana?
Sir,
If subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOT have to pay any more premiums and will get pension.
Whenever the spouse dies (it is not necessary for spouse to die before 60 years of age) the nominee will get lump sum amount.
afftwer joining this yojana i can eligibal for other goverment schem
afftwer joining this yojana i can eligibal for other goverment schem
jab sbi rs. 200/- me 400000/- ka insurance de rahi hi to pm kya de rahe hi
you are talking about which scheme.
SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME @ RS 12 PER 2 LAKHS
SBI over’s personal accident insurance for
State Bank of India Savings Bank Account holders can get a Personal Accident Insurance cover issued by SBI General of Rs. 4 lac just for a nominal annual premium of Rs. 200. Policy covers death due to accident only.
Two variants are available:
i. Cover of Rs. 2 lac for an annual premium of Rs. 100
ii. Cover of Rs. 4 lac for an annual premium of Rs. 200
jab sbi rs. 200/- me 400000/- ka insurance de rahi hi to pm kya de rahe hi
you are talking about which scheme.
SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME @ RS 12 PER 2 LAKHS
SBI over’s personal accident insurance for
State Bank of India Savings Bank Account holders can get a Personal Accident Insurance cover issued by SBI General of Rs. 4 lac just for a nominal annual premium of Rs. 200. Policy covers death due to accident only.
Two variants are available:
i. Cover of Rs. 2 lac for an annual premium of Rs. 100
ii. Cover of Rs. 4 lac for an annual premium of Rs. 200
can I apply for all the 3 schemes together???
If you meet the requirements then YES you can apply for all 3 schemes.
But one has to fill separate form for each scheme.
thnkxxx Kirti
can I apply for all the 3 schemes together???
If you meet the requirements then YES you can apply for all 3 schemes.
But one has to fill separate form for each scheme.
thnkxxx Kirti
Nice information if you want more information for this scheme check http://caknowledge.in/pradhan-mantri-suraksha-bima-yojana-complete-details/
Nice information if you want more information for this scheme check http://caknowledge.in/pradhan-mantri-suraksha-bima-yojana-complete-details/
Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient after contribution. So this need to reviewed and need to be linked with insurance plan. The age limit should also increased to at least 50 years.
Rightly said. It is just a start and targeted towards unorganised sector.
Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient after contribution. So this need to reviewed and need to be linked with insurance plan. The age limit should also increased to at least 50 years.
Rightly said. It is just a start and targeted towards unorganised sector.
ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABS UPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLE WHO CAN INVEST MORE THAT 1454 PER MONTH
ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABS UPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLE WHO CAN INVEST MORE THAT 1454 PER MONTH
Now I think the Government led by Honorable PM is really thinking about poor of the Country.
Now I think the Government led by Honorable PM is really thinking about poor of the Country.
HELLO,I HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTI YOJNA. BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY. CAN THIS WOULD BE RECTIFY OR I CAN CHANGE THE DATE BIRTH.9899585594.
pl contact your Branch . These plans are linked with Aadhaar Number hence I believe there should not be any problem to get the things corrected.
BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THAT NOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTION RIGHT OR WRONG IN THE POLICY. BUT AT THE TIME OF CLAIM I THINK DATE OF BIRTH IS COMPULSORY OF NOMINEE ALSO. PLZ TELL ME. WHETHER I HAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIRED DURING CLAIM TIME.
Is your nominee a minor? In that case only date of birth becomes important.
Wait for sometime as banks are under pressure to open the account. Then check with bank again
THANKS KIRTI, AS MY NOMINEE IS NOT MINOR.AND I ALSO CONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATE OF BIRTH IS NOT MANDATORY, BUT AT THE TIME OF CLAIM SETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THE CORRECT DATE BIRTH. SO PLZZ…
You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body.)
THANKS ….
HELLO,I HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTI YOJNA. BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY. CAN THIS WOULD BE RECTIFY OR I CAN CHANGE THE DATE BIRTH.9899585594.
pl contact your Branch . These plans are linked with Aadhaar Number hence I believe there should not be any problem to get the things corrected.
BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THAT NOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTION RIGHT OR WRONG IN THE POLICY. BUT AT THE TIME OF CLAIM I THINK DATE OF BIRTH IS COMPULSORY OF NOMINEE ALSO. PLZ TELL ME. WHETHER I HAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIRED DURING CLAIM TIME.
Is your nominee a minor? In that case only date of birth becomes important.
Wait for sometime as banks are under pressure to open the account. Then check with bank again
THANKS KIRTI, AS MY NOMINEE IS NOT MINOR.AND I ALSO CONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATE OF BIRTH IS NOT MANDATORY, BUT AT THE TIME OF CLAIM SETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THE CORRECT DATE BIRTH. SO PLZZ…
You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body.)
THANKS ….
People who join the scheme before completing 50 years can, however, continue to have the risk of life cover up to the age of 55 years subject to payment of premium.
Risk cover is till 55 years.
My question is if I continue the premium after 55 years then risk cover will continue ? yes or no ?
People who join the scheme before completing 50 years can, however, continue to have the risk of life cover up to the age of 55 years subject to payment of premium.
Risk cover is till 55 years.
My question is if I continue the premium after 55 years then risk cover will continue ? yes or no ?
FIRSTLY -THANKS TO Shriman Narendra Modiji.
ALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME.
FIRSTLY -THANKS TO Shriman Narendra Modiji.
ALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME.
Dear Sir,
as per my view on Pension Yojna its just a money game only.No extra amount will received to subscribers other than 8% Interest.
Dear Sir,
as per my view on Pension Yojna its just a money game only.No extra amount will received to subscribers other than 8% Interest.
ty to modiji…….
Dear sir
thanks very mach your sscheme & all pepole use the benfits……………
pradhan mantri suraksha bima yojana please contact your branch for details…..
thanks
Raghav
ty to modiji…….
Dear sir
thanks very mach your sscheme & all pepole use the benfits……………
pradhan mantri suraksha bima yojana please contact your branch for details…..
thanks
Raghav
Really all schemes are very GOOD and it will be helpful to all the poor people. I really Thank You to our Prime Minister “MODI JI”….
Really all schemes are very GOOD and it will be helpful to all the poor people. I really Thank You to our Prime Minister “MODI JI”….
It will help the poor people who were outside of insurance.So thanks Mr. MOdi for doing it.
It will help the poor people who were outside of insurance.So thanks Mr. MOdi for doing it.
I like it
I like it
I AM PROUD OF OUR PRIME MINISTER.
I AM PROUD OF OUR PRIME MINISTER.
thanks to Modi ji
thanks to Modi ji
I like to my dear prime minister and his work
I like to my dear prime minister and his work
kisi bhi bank me account open krne ke liye manager itni difficulties create karte hai,dunia bhar ki bate samjhate hai 20 times daudate hai.Why…. tab ye sab kase ho payega…………….
Abhi sab bank managers pressure mein hain, bada sa target achieve karna ha. Ab bank account jaldi khul jayega
dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega
kisi bhi bank me account open krne ke liye manager itni difficulties create karte hai,dunia bhar ki bate samjhate hai 20 times daudate hai.Why…. tab ye sab kase ho payega…………….
Abhi sab bank managers pressure mein hain, bada sa target achieve karna ha. Ab bank account jaldi khul jayega
dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega
YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGA
JABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAI…
YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGA
JABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAI…
Kirthiji now people getting old age pension without paying anything before, even i can get pension after i become 60years, so why should i pay now? suppose if i pay now to this scheme later can i get both pensions from bank and government? or else one?
now iam 32 years old.
Kirthiji now people getting old age pension without paying anything before, even i can get pension after i become 60years, so why should i pay now? suppose if i pay now to this scheme later can i get both pensions from bank and government? or else one?
now iam 32 years old.
the plans are realy caring. since independence, we have been making plans for improvement of our country. but we all know where we people stand. so let us give thrust to the plans we feel good by involving ourselves in the system. let us spread the message from door to door and people to people by organising meetings and creating awareness.
the plans are realy caring. since independence, we have been making plans for improvement of our country. but we all know where we people stand. so let us give thrust to the plans we feel good by involving ourselves in the system. let us spread the message from door to door and people to people by organising meetings and creating awareness.
Kirti pl tell me the APY scheme applicable for men only? Women not eligible for the scheme?
It is applicable for all
Kirti pl tell me the APY scheme applicable for men only? Women not eligible for the scheme?
It is applicable for all
Lot of words to say for this plans but now MANY MANY THANKS Mr. PRIME MINISTER.
Lot of words to say for this plans but now MANY MANY THANKS Mr. PRIME MINISTER.
Thanks Mr.Prime minister.Now the poor people will have a reason to live.You are the last resort and hope for the poor.Where were you all these long years.You should have come long time back than I am sure there would not have been so much of poor people in the country ,my own brothers and sisters.God bless all .
Thanks Mr.Prime minister.Now the poor people will have a reason to live.You are the last resort and hope for the poor.Where were you all these long years.You should have come long time back than I am sure there would not have been so much of poor people in the country ,my own brothers and sisters.God bless all .
i like every plan.i thingh many people will intrested in this plan
Yes Sir you are right
i like every plan.i thingh many people will intrested in this plan
Yes Sir you are right
One of the terms say, “Policy shall not be issued if nominee details are not provided in SMS / available in SB account.”. Does that mean that the nominee details should be present in my bank accounts also?
How can we simply nominate anyone with just a name without specifying any other details like DOB or relationship?
What if I enrol myself from both my bank accounts (SBI & ICICI)?
How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication from.tel me
Sir
if you look at the Atal Pension Yojna form at http://www.jansuraksha.gov.in/Files/APY/ENGLISH/APPLICATIONFORM.pdf you would see that details required for Nominee are
Name of Nominee
Aadhaar number of Nominee
Nominee relation with the subscriber
If Nominee is minor then Date of Birth of Nominee, Guradian name
Nominee of APY scheme is different from that of Bank Account.
One of the terms say, “Policy shall not be issued if nominee details are not provided in SMS / available in SB account.”. Does that mean that the nominee details should be present in my bank accounts also?
How can we simply nominate anyone with just a name without specifying any other details like DOB or relationship?
What if I enrol myself from both my bank accounts (SBI & ICICI)?
How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication from.tel me
Sir
if you look at the Atal Pension Yojna form at http://www.jansuraksha.gov.in/Files/APY/ENGLISH/APPLICATIONFORM.pdf you would see that details required for Nominee are
Name of Nominee
Aadhaar number of Nominee
Nominee relation with the subscriber
If Nominee is minor then Date of Birth of Nominee, Guradian name
Nominee of APY scheme is different from that of Bank Account.
Ye to suruaat hai mere dost abhi to puri picture baki hai..
Har Har Mahadev!!
Thanks to our Prime Minister, for this but we require another Health Surakcha (Medical)
Ye to suruaat hai mere dost abhi to puri picture baki hai..
Har Har Mahadev!!
Thanks to our Prime Minister, for this but we require another Health Surakcha (Medical)
Hi
Previously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana .
I would like to know about
what will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accounts transferred from Swawlaban to Atal pention Yogana
also I would like to know ..Is there any francicy and agent ship present in Atal Pention Yojana?
Hi
Previously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana .
I would like to know about
what will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accounts transferred from Swawlaban to Atal pention Yogana
also I would like to know ..Is there any francicy and agent ship present in Atal Pention Yojana?
Hi
Previouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana .
I ould like to know about
what will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accounts transfered from Swawlaban to Atal pention Yogana
Is there any francicy and agent ship present in Atal Pention Yojana
Hi
Previouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana .
I ould like to know about
what will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accounts transfered from Swawlaban to Atal pention Yogana
Is there any francicy and agent ship present in Atal Pention Yojana
ACCHEY DIN AA GAYE HAIN
ACCHEY DIN AA GAYE HAIN
till date many people have no adhar card, is it mandatory to provide adhar card number to join in three schemes
For Atal Pension Yojna, Aadhaar number of person opening the account is not required but of Spouse and Nominee are required.
In other schemes also Aadhaar number is to be provided if available.
But going forward Aadhaar is becoming important if you want to obtain Passport, Fill ITR
till date many people have no adhar card, is it mandatory to provide adhar card number to join in three schemes
For Atal Pension Yojna, Aadhaar number of person opening the account is not required but of Spouse and Nominee are required.
In other schemes also Aadhaar number is to be provided if available.
But going forward Aadhaar is becoming important if you want to obtain Passport, Fill ITR
YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHH CHITING LAGTA HAI
Aap kaun si scheme ki baat kar rahe hain?
bhai ye bilkul cleared hai aur isme koi cheting nahi hai
aur skim batao me define krta hoon.
YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHH CHITING LAGTA HAI
Aap kaun si scheme ki baat kar rahe hain?
bhai ye bilkul cleared hai aur isme koi cheting nahi hai
aur skim batao me define krta hoon.
Can a NRI join the APY scheme ?
There has been no mention of whether NRI can or cannot join scheme. If one has a saving bank account in India then one can join.
If you come to know otherwise do let us know.
Can a NRI join the APY scheme ?
There has been no mention of whether NRI can or cannot join scheme. If one has a saving bank account in India then one can join.
If you come to know otherwise do let us know.
PM Yogana’s schemas are good and benefits to poor people who does not have insurance and pensions.
Life time of indian people is now reduced below 60 years. if it is possible to get pension by age of 55. It will benefits to many people in india.
To reducing pension age from 60 to 55 and for that increase the premimum. So it will be more benefit for indian people.
PM Yogana’s schemas are good and benefits to poor people who does not have insurance and pensions.
Life time of indian people is now reduced below 60 years. if it is possible to get pension by age of 55. It will benefits to many people in india.
To reducing pension age from 60 to 55 and for that increase the premimum. So it will be more benefit for indian people.
This scheme very good.
His scheme information every center provide the local language.
I saw morning bank stitched in frame English language.
his not read or asking single person.
so I request provide local language.
Information about schemes is provided in following languages Assamee,Bangla,English,Gujarati,Hindi,Kannada,Malyalam,Marathi,Odia,Punjabi,Tamil,Telugu ,Urdu at http://www.jansuraksha.gov.in/PublicityMaterial.aspx
This scheme very good.
His scheme information every center provide the local language.
I saw morning bank stitched in frame English language.
his not read or asking single person.
so I request provide local language.
Information about schemes is provided in following languages Assamee,Bangla,English,Gujarati,Hindi,Kannada,Malyalam,Marathi,Odia,Punjabi,Tamil,Telugu ,Urdu at http://www.jansuraksha.gov.in/PublicityMaterial.aspx
These are the nice schemes launched by our pm. Specially for those who are not in good wealth condition
l m very greatfull to our great pm
These are the nice schemes launched by our pm. Specially for those who are not in good wealth condition
l m very greatfull to our great pm
My age is 25 now, according to the pension scheme monthly premium is Rs 376
once i reached my age 30, 35, 40 that time my monthly premium will be same 376 or it will be increased by 577, 902 and 1454
pls let me know
It would be same
My age is 25 now, according to the pension scheme monthly premium is Rs 376
once i reached my age 30, 35, 40 that time my monthly premium will be same 376 or it will be increased by 577, 902 and 1454
pls let me know
It would be same
Hi Sir, These two schemes surely are low premium one and benefit lots of people. maximum age for APY should have been made 45-48 years. As this is the time majority people become more practical about post retirement life and starts planing. This is also potentially productive age. GOVT. SHOULD SERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY. Atleast 5 years if not 10 years.
I agree with you. Age limit should be till 50 years.
Hi Sir, These two schemes surely are low premium one and benefit lots of people. maximum age for APY should have been made 45-48 years. As this is the time majority people become more practical about post retirement life and starts planing. This is also potentially productive age. GOVT. SHOULD SERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY. Atleast 5 years if not 10 years.
I agree with you. Age limit should be till 50 years.
Now i m 35 years. I understand that I can enroll myself in APY scheme. At present i am not a member of any other social security schemes and therefore I am eligible to receive Government co-contribution as mentioned in the APY.
But what will happen if I join any other social security schemes after joining in APY scheme (after 2 or 3 years).
Are you an income tax payer?
Government co-contribution is available for 5 years, i.e., from 2015-16 to 2019-20 for the subscribers who join the scheme during the period from 1st June, 2015 to 31st December, 2015 and who are not covered by any Statutory Social Security Schemes and are not income tax payers.
If you are eligible for Govt. contribution then once you join Govt will stop contributing, is my guess.
Now i m 35 years. I understand that I can enroll myself in APY scheme. At present i am not a member of any other social security schemes and therefore I am eligible to receive Government co-contribution as mentioned in the APY.
But what will happen if I join any other social security schemes after joining in APY scheme (after 2 or 3 years).
Are you an income tax payer?
Government co-contribution is available for 5 years, i.e., from 2015-16 to 2019-20 for the subscribers who join the scheme during the period from 1st June, 2015 to 31st December, 2015 and who are not covered by any Statutory Social Security Schemes and are not income tax payers.
If you are eligible for Govt. contribution then once you join Govt will stop contributing, is my guess.
Is there any scheme for above 50 years.
Not comparable one, that we know of.
Is there any scheme for above 50 years.
Not comparable one, that we know of.
Thanks mr Priminster sahab ,You are Really Super prime Minister of India.TWO Types OF Bima yojana are very very Best For our Indian public. P nsion scheme is extended till the age limit of 50 years at the higher rate of investment for 10 years. Help to the age group of 41 to 50 years who are really needed ,poor persons.
Thanks mr Priminster sahab ,You are Really Super prime Minister of India.TWO Types OF Bima yojana are very very Best For our Indian public. P nsion scheme is extended till the age limit of 50 years at the higher rate of investment for 10 years. Help to the age group of 41 to 50 years who are really needed ,poor persons.
thank you very much to Modi sir who issues these policies for someone who needs
thank you very much to Modi sir who issues these policies for someone who needs
THANK YOU VERY MUCH MODIJI…..! YOU ARE GREAT!!
NOW YOU OFFER MEDI-CLAIM POLICY ALSO….!
THANK YOU VERY MUCH MODIJI…..! YOU ARE GREAT!!
NOW YOU OFFER MEDI-CLAIM POLICY ALSO….!
these all the three schemes are very helpful for all Indians.
it’s my request to all please go for these schemes
these all the three schemes are very helpful for all Indians.
it’s my request to all please go for these schemes
what about senior citizens? I think it should b up to 70 years.
what about senior citizens? I think it should b up to 70 years.
hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation.
hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation.
Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan
Pros:
-> Covers death by any cause (natural or accidental)
Cons :
->I have read the document and found the below point
Termination of assurance:
The assurance on the life of the member shall terminate on
any of the following events and no benefit will become payable there under:
1) On attaining age 55 years (age near birth day) subject to annual renewal up to
that date (entry, however, will not be possible beyond the age of 50 years).
Explanation :
Assurance amount 2 lakh will given only if the person dies before end of age 54.
So if he dies after attaining 55 age no assurance amount will be given.
Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around
10560 (32*330). So if i die after 54 age no assurance will be paid to my nominee. My amount 10560 will be safe with LIC.
THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSE REFUND IS NIL
Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan
Pros:
-> Covers death by any cause (natural or accidental)
Cons :
->I have read the document and found the below point
Termination of assurance:
The assurance on the life of the member shall terminate on
any of the following events and no benefit will become payable there under:
1) On attaining age 55 years (age near birth day) subject to annual renewal up to
that date (entry, however, will not be possible beyond the age of 50 years).
Explanation :
Assurance amount 2 lakh will given only if the person dies before end of age 54.
So if he dies after attaining 55 age no assurance amount will be given.
Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around
10560 (32*330). So if i die after 54 age no assurance will be paid to my nominee. My amount 10560 will be safe with LIC.
THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSE REFUND IS NIL
I have one question on Atal Pension Scheme, in case the nominee dies before both the subscribers then in that case to whom will the corpus amount will be paid?
Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed?
Thanks!
Amit Goyal
Respected Modiji,please also include term insurance premium (for the amount) into monthly payment to solve
Sir, Rs 330 per annum will be deducted in one instalment. There is no monthly payment for it.
I have one question on Atal Pension Scheme, in case the nominee dies before both the subscribers then in that case to whom will the corpus amount will be paid?
Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed?
Thanks!
Amit Goyal
Respected Modiji,please also include term insurance premium (for the amount) into monthly payment to solve
Sir, Rs 330 per annum will be deducted in one instalment. There is no monthly payment for it.
Nice scheme. But anyone can explain me what happened when someone start the scheme and unfortunately no more. Will pension start immediately to his wife or not? Suppose, what happened next when he will pay only 1 year and so on……………………?
Nice scheme. But anyone can explain me what happened when someone start the scheme and unfortunately no more. Will pension start immediately to his wife or not? Suppose, what happened next when he will pay only 1 year and so on……………………?
Thanks mr Priminster sahab ,You are Really Super prime Minister
Thanks mr Priminster sahab ,You are Really Super prime Minister
Whether the Atal pension yojana is availble for house wives??
Yes, this is available for all, who is between 18 to 40 years.
Whether the Atal pension yojana is availble for house wives??
Yes, this is available for all, who is between 18 to 40 years.
Thank Prime Minister your are really our care taker lot of thanks
Thank Prime Minister your are really our care taker lot of thanks
thanks…!
thanks…!
All 3 scheems are good. Its a good initiative, atleast some relief to the people of India.
About the Pension scheeme APY, this scheeme also very good based on the returns one person obtain, maximum pension is Rs.5,000 per month.
A 40 year old person, when he attain the age of 60, in comming 20 years time, What is the value of Rs.5,000 (after 20 years), I think it is equilant of Rs. 500 currently. Government should start something which is really worth & helps people of India by thinking in mind what would the be future value of Rs. 5,000 in comming years
All 3 scheems are good. Its a good initiative, atleast some relief to the people of India.
About the Pension scheeme APY, this scheeme also very good based on the returns one person obtain, maximum pension is Rs.5,000 per month.
A 40 year old person, when he attain the age of 60, in comming 20 years time, What is the value of Rs.5,000 (after 20 years), I think it is equilant of Rs. 500 currently. Government should start something which is really worth & helps people of India by thinking in mind what would the be future value of Rs. 5,000 in comming years
All are very good scheme but it is useful for under 60 year what about above 60 year people main senior citizen they are should get any benefit scheme
All are very good scheme but it is useful for under 60 year what about above 60 year people main senior citizen they are should get any benefit scheme
Many many thanks modi ji….
It’s a very useful plan for old age.
Thanks a lot again.
Many many thanks modi ji….
It’s a very useful plan for old age.
Thanks a lot again.
Both insurance scheme is beneficial for every individual. If a separate FAQ section had been attached with it the questionnaire would be a ready and simple section for the readers who want to know in more details.
For example, my question is whether an individual can join both insurance scheme, i.e., ‘Pradhan Mantri Suraksha Bima Yojana’, and ‘Pradhan Mantri Jeevan Jyoti Bima Yojana’. In case one opt for the both will his family be benefited for both the scheme, i.e., will they get 2laks plus 2laks 4 laks?
I have the same question. Could not get a proper answer from my bank either. Appears like the policies are issued as group insurance policies by insurers tied up with your bank. For example, ICICI provides these policies via ICICI Lombard and ICICI Pru life.
So would that not mean, they are individual policies and would be valid individually.
Can someone throw some light?
Both insurance scheme is beneficial for every individual. If a separate FAQ section had been attached with it the questionnaire would be a ready and simple section for the readers who want to know in more details.
For example, my question is whether an individual can join both insurance scheme, i.e., ‘Pradhan Mantri Suraksha Bima Yojana’, and ‘Pradhan Mantri Jeevan Jyoti Bima Yojana’. In case one opt for the both will his family be benefited for both the scheme, i.e., will they get 2laks plus 2laks 4 laks?
I have the same question. Could not get a proper answer from my bank either. Appears like the policies are issued as group insurance policies by insurers tied up with your bank. For example, ICICI provides these policies via ICICI Lombard and ICICI Pru life.
So would that not mean, they are individual policies and would be valid individually.
Can someone throw some light?
Really care
priminister is collecting money from public if you expire below the age of 54 the amount will be refunded otherwise the amount will be left with pm
Really care
priminister is collecting money from public if you expire below the age of 54 the amount will be refunded otherwise the amount will be left with pm
A big Thank you Dear Mr. Modi.
I would like to request you to instruct the banks to give this valuable information to every account holders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana.
I wish I can go and inform as many people I can to go for both the Yojona at least. But with out the support of educated people this will not cover all the Indians.
But the best plan I have ever seen in my 40 years of life.
These are the best for every Indian.
Thank you again.
you will not get a single penny after 55 years. So modi has target on life expectancy rate so he has fixed for 55 years poor Indians
A big Thank you Dear Mr. Modi.
I would like to request you to instruct the banks to give this valuable information to every account holders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana.
I wish I can go and inform as many people I can to go for both the Yojona at least. But with out the support of educated people this will not cover all the Indians.
But the best plan I have ever seen in my 40 years of life.
These are the best for every Indian.
Thank you again.
you will not get a single penny after 55 years. So modi has target on life expectancy rate so he has fixed for 55 years poor Indians
i don’t won’t this I ma a software engineer my company already having same kind of insurance like this so its my humble request to find some thing which is really need for genuine people…
🙂
dont take it if you dont want. There is a cost for any insurance. This is the cheapest I have ever seen. I’m a long time software engineer too. And I’m sure I’m going to subscribe to these.
first know about this insurance then decide
Hi Think as common man, You have enough money to take any kind of insurance, but in indai there are 50% of peoples are in below poority line think about those people. First you appropriate our goverment for these youjans. I hope you understand POOR people pain.
i don’t won’t this I ma a software engineer my company already having same kind of insurance like this so its my humble request to find some thing which is really need for genuine people…
🙂
dont take it if you dont want. There is a cost for any insurance. This is the cheapest I have ever seen. I’m a long time software engineer too. And I’m sure I’m going to subscribe to these.
first know about this insurance then decide
Hi Think as common man, You have enough money to take any kind of insurance, but in indai there are 50% of peoples are in below poority line think about those people. First you appropriate our goverment for these youjans. I hope you understand POOR people pain.
Thanks mr Priminster sahab ,You are Really Super prime Minister
Thanks mr Priminster sahab ,You are Really Super prime Minister
Thanks mr Priminster sahab ,You are Really Super prime Minister
2 Types Bima yojana is very very Best For our Indian public .
Thanks mr Priminster sahab ,You are Really Super prime Minister
2 Types Bima yojana is very very Best For our Indian public .
Thanks mr Priminster sahab ,You are Really Super prime Minister of India.
Your 2 Types Bima yojana is very very Best For our Indian public .
Thanks mr Priminster sahab ,You are Really Super prime Minister of India.
Your 2 Types Bima yojana is very very Best For our Indian public .
Thanks mr Narendra Bhai Modiji,You are Really No 1 prime Minister of India.
Your 2 Types Bima yojana is very very Best For our Indian public .
Thanks mr Narendra Bhai Modiji,You are Really No 1 prime Minister of India.
Your 2 Types Bima yojana is very very Best For our Indian public .
Thanks mr Narendra Bhai Modiji,You are Really No 1 prime Minister of India.
Your 2 Types Bima yojana is very very Best For our Indian public ..
accidental is benificial other is waste of money
Thanks mr Narendra Bhai Modiji,You are Really No 1 prime Minister of India.
Your 2 Types Bima yojana is very very Best For our Indian public ..
accidental is benificial other is waste of money
What does it mean: unorganised sector (in reference to pension plan)
private companies do not have pension scheme!
What does it mean: unorganised sector (in reference to pension plan)
private companies do not have pension scheme!
Earnings are not at all sufficientfor today’s surviving where from money comes to contribute in PM’s insurance schemes. PM’s idea is good to get money for nation’s development but first he has to do something for increasing of earnings of people who are working in small and medium private sectors.
Earnings are not at all sufficientfor today’s surviving where from money comes to contribute in PM’s insurance schemes. PM’s idea is good to get money for nation’s development but first he has to do something for increasing of earnings of people who are working in small and medium private sectors.
Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate of investment for 10 years. Help to the age group of 41 to 50 years. Bring more investment to Govt A/c.
So also Medicare insurance is also important with certain limits and for certain deceases.
This is the way to ‘ACHHE-DIN’ for poor and middle class people.
Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate of investment for 10 years. Help to the age group of 41 to 50 years. Bring more investment to Govt A/c.
So also Medicare insurance is also important with certain limits and for certain deceases.
This is the way to ‘ACHHE-DIN’ for poor and middle class people.
Very good scheme for Indians…. This very helpful to government as well as people.
Very good scheme for Indians…. This very helpful to government as well as people.
these all the three schemes are very helpful for all Indians.
it’s my request to all please go for these schemes
these all the three schemes are very helpful for all Indians.
it’s my request to all please go for these schemes
Shriman Narendra Modiji.
This is a very helpful scheme for every Indian and especially to Under Bellow Poverty Line community..
Thank you very much indeed.
Shriman Narendra Modiji.
This is a very helpful scheme for every Indian and especially to Under Bellow Poverty Line community..
Thank you very much indeed.
Lots of Thanks
Dear My Dear Modi Sir,
God kre ki app 100 year tak hmare bharat maa ki sewa kro………
jagoooooooooooooooooooooooooooooooooooooo
Lots of Thanks
Dear My Dear Modi Sir,
God kre ki app 100 year tak hmare bharat maa ki sewa kro………
jagoooooooooooooooooooooooooooooooooooooo
Thank you Sir. This is very good policy.
If this type of mediclaim policy is introduced than it will be a great Favour of our middle class people.
Thank you Sir. This is very good policy.
If this type of mediclaim policy is introduced than it will be a great Favour of our middle class people.
Thank Prime Minister sir
Aap jo kar rahe he eska sabi aam jantako lab hog …….
Kinu es yojanak labha vahi lenge jo shahar me he jinke pas mo.. he
Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiye …….
Akash narayane
Mob 8855924201
Thank Prime Minister sir
Aap jo kar rahe he eska sabi aam jantako lab hog …….
Kinu es yojanak labha vahi lenge jo shahar me he jinke pas mo.. he
Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiye …….
Akash narayane
Mob 8855924201
Thanks our P.M Mr.Narendra Modi ji
Thanks our P.M Mr.Narendra Modi ji
Thanks Our P.M Mr.Narendra Modi Ji
App yadi khane ka saman ko kama deninge to sab se acha hoga sir
Best of Luck
Thanks Our P.M Mr.Narendra Modi Ji
App yadi khane ka saman ko kama deninge to sab se acha hoga sir
Best of Luck
super scheme
super scheme
can i change the bank account later after joining “Pradhan Mantri Suraksha Bima Yojana” ?
Please advise
can i change the bank account later after joining “Pradhan Mantri Suraksha Bima Yojana” ?
Please advise
when the age is more than 40 and below 50 ..cant they join atal pension yojana
Which pnsion scheme for those people who having age of more then 40.
when the age is more than 40 and below 50 ..cant they join atal pension yojana
Which pnsion scheme for those people who having age of more then 40.
When we will get the sum assured (8.5 lakhs) if we opt out for 5000 pension plan.
When we will get the sum assured (8.5 lakhs) if we opt out for 5000 pension plan.
some adviser should be appoint for that scheme other so many people literally aware about hole scheme
some adviser should be appoint for that scheme other so many people literally aware about hole scheme
Thank You Mr Narender Damodardas Modi Ji
hi, iam calling to both toll free no: from almost 3 days more than 100 times but no response. its only voice mssg is coming in that!! & I also tried state’s wise toll nos: also it’s also telling from 3 days > I Really hv a don’t in this for people of india can utilise it???
Thank You Mr Narender Damodardas Modi Ji
hi, iam calling to both toll free no: from almost 3 days more than 100 times but no response. its only voice mssg is coming in that!! & I also tried state’s wise toll nos: also it’s also telling from 3 days > I Really hv a don’t in this for people of india can utilise it???
hi Kirti,
can you tell us how will joing APJ, if our age is more then 40 or advice if will unable to joing APJ then which one pansion scheme we can joing who will give us similar benifit…
can you tell us how will joing APJ, if our age is more then 40 or advice if will unable to joing APJ then which one pansion scheme we can joing who will give us similar benifit…
No Sir you cannot join if your age is more than 40 years
Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna
he wil not allow because he reduced pension age by 40 otherwise all indians will cover
hi Kirti,
can you tell us how will joing APJ, if our age is more then 40 or advice if will unable to joing APJ then which one pansion scheme we can joing who will give us similar benifit…
can you tell us how will joing APJ, if our age is more then 40 or advice if will unable to joing APJ then which one pansion scheme we can joing who will give us similar benifit…
No Sir you cannot join if your age is more than 40 years
Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna
he wil not allow because he reduced pension age by 40 otherwise all indians will cover
Are bhai iska koi adviser hai ya nahi
Are bhai iska koi adviser hai ya nahi
thank you PM ji
thank you PM ji
Thank you prime minister Ji
Thank you prime minister Ji
Ye yojna bakwas hai. Is se achchha to post office ka M.I.S(monthly income scheme ka hai. Plz calculate your amount and interest.
Ye yojna bakwas hai. Is se achchha to post office ka M.I.S(monthly income scheme ka hai. Plz calculate your amount and interest.
In case a member is covered under PMJJBY with LIC of India / other company
through more than one account and premium is received by LIC / other company
inadvertently, insurance cover will be restricted to Rs. 2 Lakh and the premium
shall be liable to be forfeited
What do the above clause mean, If i have a policy already with LIC am I not eligible for PMJJBY
This has got to do with one individual applying for multiple PMJJBY policies. For example, if you contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNB so that your nominee gets Rs2L x 2 i.e. Rs 4L, the cover will be restricted to Rs. 2L only and the premium paid with the other bank shall not be returned. Reasonable.
you can buy as many insurance policies as you want. But under these govt plans, all you get is 2LK coverage even if you pay via more than one bank. So the bottom line is… under each of these plans, you will subscribe to only one policy with only one bank.
In case a member is covered under PMJJBY with LIC of India / other company
through more than one account and premium is received by LIC / other company
inadvertently, insurance cover will be restricted to Rs. 2 Lakh and the premium
shall be liable to be forfeited
What do the above clause mean, If i have a policy already with LIC am I not eligible for PMJJBY
This has got to do with one individual applying for multiple PMJJBY policies. For example, if you contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNB so that your nominee gets Rs2L x 2 i.e. Rs 4L, the cover will be restricted to Rs. 2L only and the premium paid with the other bank shall not be returned. Reasonable.
you can buy as many insurance policies as you want. But under these govt plans, all you get is 2LK coverage even if you pay via more than one bank. So the bottom line is… under each of these plans, you will subscribe to only one policy with only one bank.
in case of death before 60 who shall pay remaining installments upto the age of 60 years?
Please advice
In case of death before 60 years, no one needs to pay instalments. Spouse will start getting the Pension.
in case of death before 60 who shall pay remaining installments upto the age of 60 years?
Please advice
In case of death before 60 years, no one needs to pay instalments. Spouse will start getting the Pension.
Thanks honrable Prime Minister you are really our care taker
Thanks honrable Prime Minister you are really our care taker
Hi
I am vinod. Whose is eligible to take the policy? How to take policy and where should I go to take this policy? We are family of four. Can we all take this policy? Please reply to my mail: vinodpadala86@gmail.com
Sir,
Which policy are you talking about?
We don’t reply to queries on email. Hope you understand.
Hi
I am vinod. Whose is eligible to take the policy? How to take policy and where should I go to take this policy? We are family of four. Can we all take this policy? Please reply to my mail: vinodpadala86@gmail.com
Sir,
Which policy are you talking about?
We don’t reply to queries on email. Hope you understand.
Judt like that
Thankyou for prime minister, Good plan, please implement more plans, it would be helpful.
Judt like that
Thankyou for prime minister, Good plan, please implement more plans, it would be helpful.
THANK You Prime minister for future generation thinking growth of nation.
THANK You Prime minister for future generation thinking growth of nation.
(APY) wife and husband both can have this policy.
(APY) wife and husband both can have this policy.
thanks mr. narendra modi je
thanks mr. narendra modi je
very very thanks our prime minister mr. Narendra modi.
very very thanks our prime minister mr. Narendra modi.
My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojna. Hopefully you can provide some solution to the problem.
Regards,
Anupam Mitra
Kolkata
My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojna. Hopefully you can provide some solution to the problem.
Regards,
Anupam Mitra
Kolkata
i am very happy for atal pension yojna
i am very happy for atal pension yojna
Very Fine
Very Fine
sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar ati gharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi
sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar ati gharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi
DEAR SIR.,
MERA SAWAAL YE HAI K…AGAR SATTA / SARKAR CHANGE HOTI HAI TO KYA ISS JAISI KISI BHI SCHEME ME KUUTCHH / KOI BHI CHANGE HOGA KYA….?
HAAAA K NAAAAA…
naaaa… govt change se is par koi fark nahi padega
No change will happen. anyway this scheme was planned my UPA-2 government. and was scheduled to roll out in 2014.
DEAR SIR.,
MERA SAWAAL YE HAI K…AGAR SATTA / SARKAR CHANGE HOTI HAI TO KYA ISS JAISI KISI BHI SCHEME ME KUUTCHH / KOI BHI CHANGE HOGA KYA….?
HAAAA K NAAAAA…
naaaa… govt change se is par koi fark nahi padega
No change will happen. anyway this scheme was planned my UPA-2 government. and was scheduled to roll out in 2014.
हमारे प्रधान मंत्रिजिने सुकन्या जीवन विमा योजना निकला हे …..ये हमारे लिए बहुत बड़ी बात हे ….लेकिन इसके साथ लड्को के लिए भी होना चाहिए था …. आज शिक्षा का दर कहासे कहा जा रहा हे , और उसमे ये महंगाई सर उपर नहीं करने दे रही हे .. मुजे एक लड़का और एक लड़की हे , सर में बहुत ही गरीब आदमी हु और मेरे जैसे बहुत सारे आदमी होंगे की उनको लड़के हे और ओभी चाहते होंगे की लड्कोके लिएभी होना चाहिये ………..ये मेरा सवाल प्रधान मंत्री जी से है और आशा करता हु की लडको के लिए भी ये बिमा लागु हो ………………… थान्यवाद.
हमारे प्रधान मंत्रिजिने सुकन्या जीवन विमा योजना निकला हे …..ये हमारे लिए बहुत बड़ी बात हे ….लेकिन इसके साथ लड्को के लिए भी होना चाहिए था …. आज शिक्षा का दर कहासे कहा जा रहा हे , और उसमे ये महंगाई सर उपर नहीं करने दे रही हे .. मुजे एक लड़का और एक लड़की हे , सर में बहुत ही गरीब आदमी हु और मेरे जैसे बहुत सारे आदमी होंगे की उनको लड़के हे और ओभी चाहते होंगे की लड्कोके लिएभी होना चाहिये ………..ये मेरा सवाल प्रधान मंत्री जी से है और आशा करता हु की लडको के लिए भी ये बिमा लागु हो ………………… थान्यवाद.
Dear sir,
What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because both seen same but premium is different.
Dear sir,
What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because both seen same but premium is different.
Good Initiative. But what will happen to all these schemes, if the govt changes in next 4 yrs ?
trashhhhhhhhhh
Good Initiative. But what will happen to all these schemes, if the govt changes in next 4 yrs ?
trashhhhhhhhhh
i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVERED FOR INWSURANCE AND HAVE DECENT INCOMES.cAN i BUY THE ACCIDENT AND ALSO THE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACS OR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVER. rULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FOR MANY URBAN DWELLERS. pLEASE CLARIFY. ARSMURUGANARUL@G MAILCOM.
i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVERED FOR INWSURANCE AND HAVE DECENT INCOMES.cAN i BUY THE ACCIDENT AND ALSO THE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACS OR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVER. rULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FOR MANY URBAN DWELLERS. pLEASE CLARIFY. ARSMURUGANARUL@G MAILCOM.
Thank Prime Minister your are really our care taker.
Thank Prime Minister your are really our care taker.
if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPF…will he get the pension after completion of 60yrs of his age?
if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPF…will he get the pension after completion of 60yrs of his age?
Pension is ok, but what about the principle amount paid by the people.
Finally who will get it? When they will get it ?
Pension is ok, but what about the principle amount paid by the people.
Finally who will get it? When they will get it ?
sir… my date of birth is 28-4-1975. am i elegible to take APY. If ‘yes’ to get a pension of 3000 per month how much i have to pay annually or monthly. i am a house wife and do not have any pension schemes.
After reading the policy document, It says that people above 40yrs are not eligibile for this scheme…
sir… my date of birth is 28-4-1975. am i elegible to take APY. If ‘yes’ to get a pension of 3000 per month how much i have to pay annually or monthly. i am a house wife and do not have any pension schemes.
After reading the policy document, It says that people above 40yrs are not eligibile for this scheme…
Thank prime minister and all poor man your help,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
Thank prime minister and all poor man your help,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
Sir jee I liked your page first of all & Thanks to our pm for launching jeevan jyoti bima & suraksha bima yojna.I want to know that I pay tax so can I avail these two schemes.And if I go for life time auto debit from my bank for both of these schemes then can I change my nominee later after few yes, due to any circumstances.
Yes Sir Nominee can be changed anytime.
The details of the scheme would be available soon and then it would be clear who can join the scheme. Currently for jeevan jyoti bima & suraksha bima yojna there don’t seem to be any restrictions
Sir jee I liked your page first of all & Thanks to our pm for launching jeevan jyoti bima & suraksha bima yojna.I want to know that I pay tax so can I avail these two schemes.And if I go for life time auto debit from my bank for both of these schemes then can I change my nominee later after few yes, due to any circumstances.
Yes Sir Nominee can be changed anytime.
The details of the scheme would be available soon and then it would be clear who can join the scheme. Currently for jeevan jyoti bima & suraksha bima yojna there don’t seem to be any restrictions
My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna. I ask from all insurance co. & they denied to make insurance. Is it cover under it.
Sir,
Sorry to hear about your wife. Our best wishes are with you.
Insurance company will not provide insurance as she has been diagnosed .
The details of the scheme would be available soon and then it would be clear who can join the scheme.
My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna. I ask from all insurance co. & they denied to make insurance. Is it cover under it.
Sir,
Sorry to hear about your wife. Our best wishes are with you.
Insurance company will not provide insurance as she has been diagnosed .
The details of the scheme would be available soon and then it would be clear who can join the scheme.
For queries, call at 9555610478
Bemoneyaware does not recommend or support any numbers/contact left as comments. Please do so at your own risk
For queries, call at 9555610478
Bemoneyaware does not recommend or support any numbers/contact left as comments. Please do so at your own risk
Please clarify that a person who is having taxable income can also get himself enrolled under this scheme.
Currently for jeevan jyoti bima & suraksha bima yojna there don’t seem to be any restrictions. But details of scheme will be out soon
Please clarify that a person who is having taxable income can also get himself enrolled under this scheme.
Currently for jeevan jyoti bima & suraksha bima yojna there don’t seem to be any restrictions. But details of scheme will be out soon
Hello, Thank you very much Pradhan Mantiriji. Apne aam janata ke liye ye suvidha suru ki he. Main janan chahti hu APY ke bare me. Agar 60 saal ke pehle koi gujar jata hai to us ke pati/patni ko turant pension chalu ho sakti hai kya??
please reply me…………
Jee haan. Agar 60 saal se pehly koi gujjar jaye to uske pati/patni ko pension milegi.
Hello, Thank you very much Pradhan Mantiriji. Apne aam janata ke liye ye suvidha suru ki he. Main janan chahti hu APY ke bare me. Agar 60 saal ke pehle koi gujar jata hai to us ke pati/patni ko turant pension chalu ho sakti hai kya??
please reply me…………
Jee haan. Agar 60 saal se pehly koi gujjar jaye to uske pati/patni ko pension milegi.
Hi Kirti,
I am working in a MNC company under EPF scheme. Am i eligible for Atal pension scheme??
Sorry Sir, you won’t be eligible for the scheme
Any Citizen of India can join APY scheme. The following are the eligibility criteria,
i The age of the subscriber should be between 18 – 40 years.
ii He / She should have a savings bank account/ open a savings bank account.
iii The prospective applicant should be in possession of mobile number and its
details are to be furnished to the bank during registration.
Only Government co-contribution will not be available for the tax payers or having any social security schemes.
Can you please provide the reason?
Hi Kirti,
I am working in a MNC company under EPF scheme. Am i eligible for Atal pension scheme??
Sorry Sir, you won’t be eligible for the scheme
Any Citizen of India can join APY scheme. The following are the eligibility criteria,
i The age of the subscriber should be between 18 – 40 years.
ii He / She should have a savings bank account/ open a savings bank account.
iii The prospective applicant should be in possession of mobile number and its
details are to be furnished to the bank during registration.
Only Government co-contribution will not be available for the tax payers or having any social security schemes.
Can you please provide the reason?
Hello,can you tell me after 60 year i will get 5000/pm till how many year.
till my death…….
And if i exit before 60 then who will get pension.
if you want to get 5000/- PM as Pension , need to pay the pension contribution according to your Age of enrol into this scheme by following the NPS Table mentioned in APY.
You will get the Pension till your death after 60 years of your Age,
Moreover, you cannot leave from the pension scheme before Age of 60yr. If do so,
Discontinuation of payments of contribution amount shall lead to following:
After 6 months account will be frozen.
After 12 months account will be deactivated.
After 24 months account will be closed.
Hope your queries get clarified.
Thanks for the reply
To add to the above ur spouse will continue to get the pension after your death and once u both are no more the corpus amount of approx 8.5 lakhs will be given to your nominee.
Hello,can you tell me after 60 year i will get 5000/pm till how many year.
till my death…….
And if i exit before 60 then who will get pension.
if you want to get 5000/- PM as Pension , need to pay the pension contribution according to your Age of enrol into this scheme by following the NPS Table mentioned in APY.
You will get the Pension till your death after 60 years of your Age,
Moreover, you cannot leave from the pension scheme before Age of 60yr. If do so,
Discontinuation of payments of contribution amount shall lead to following:
After 6 months account will be frozen.
After 12 months account will be deactivated.
After 24 months account will be closed.
Hope your queries get clarified.
Thanks for the reply
To add to the above ur spouse will continue to get the pension after your death and once u both are no more the corpus amount of approx 8.5 lakhs will be given to your nominee.
does any income tax saver benefits are there with these schemes?
None have been announced so far.Waiting for more details
does any income tax saver benefits are there with these schemes?
None have been announced so far.Waiting for more details
There is a pension scheme, i dont know the name, it is probably Atal pension yajona, where pensioner will get the pension after attaining the age of 60 but i think it will not attract any people, because a service man is not going to opt this scheme nor a businessman, they have other better option. But it is also not profitable to poor where labourer, farmer, or any other low income hard working profession. Because
1. People of profession like labourer, farmer etc find it difficult to work at the age of 45-50, then how can they work till the age of 60 and contribute to their pension scheme when they dont have the money to eat their dinner.
2. A people on average live 60 to 65 years. Then why they will provide their income every month to get a pension of rs1000 per month. Rs 100 is lot to some people.
3. There is a confusion about payment figure. If someone young now opt for the pension scheme and will he/she get the pension of rs 1000 or 5000 whatever the scheme he/she is opting for. Rs 2000 may be the pocket money of a son of a labourer after 50 years.
Modi government is really doing some great things for people but i think they should think about the scheme once more. I know there are lots of experienced brain working behind those policy making but they may be thinking like some experienced brained people who thinks that people( may be families, not sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but its around 25).
You have raised good questions.
Govt tried NPS Swavalamban Pension scheme but did not get good response.
Only time will tell how people respond to this scheme
Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wat happened apy scheme please give me answer,
Anand.s
There is a pension scheme, i dont know the name, it is probably Atal pension yajona, where pensioner will get the pension after attaining the age of 60 but i think it will not attract any people, because a service man is not going to opt this scheme nor a businessman, they have other better option. But it is also not profitable to poor where labourer, farmer, or any other low income hard working profession. Because
1. People of profession like labourer, farmer etc find it difficult to work at the age of 45-50, then how can they work till the age of 60 and contribute to their pension scheme when they dont have the money to eat their dinner.
2. A people on average live 60 to 65 years. Then why they will provide their income every month to get a pension of rs1000 per month. Rs 100 is lot to some people.
3. There is a confusion about payment figure. If someone young now opt for the pension scheme and will he/she get the pension of rs 1000 or 5000 whatever the scheme he/she is opting for. Rs 2000 may be the pocket money of a son of a labourer after 50 years.
Modi government is really doing some great things for people but i think they should think about the scheme once more. I know there are lots of experienced brain working behind those policy making but they may be thinking like some experienced brained people who thinks that people( may be families, not sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but its around 25).
You have raised good questions.
Govt tried NPS Swavalamban Pension scheme but did not get good response.
Only time will tell how people respond to this scheme
Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wat happened apy scheme please give me answer,
Anand.s
Hi,
I am already having Swavalamban Pension scheme.Does it automatically converted in to APY? Should i contribute monthly or yearly?
Hi,
I am already having Swavalamban Pension scheme.Does it automatically converted in to APY? Should i contribute monthly or yearly?
Thank You, Pradhan Mantri Ji,Beema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai, Varna Sare Neta Ji Pahale Apne Bare Mai Sochte Hai. Thank You Once Again
Thank You, Pradhan Mantri Ji,Beema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai, Varna Sare Neta Ji Pahale Apne Bare Mai Sochte Hai. Thank You Once Again
sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and ye policy kon dega
ese wala policy sapne me sochna nhi…
sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and ye policy kon dega
ese wala policy sapne me sochna nhi…
Currently i am not a member in any Pension scheme as i running my own small business. So i am eligible to join the Atal Pension Yojana scheme. But if i get an employment in the next few years, what will happen? Can i continue in the scheme? If not, then will i get any money after 60 or can i withdraw the amount invested till then?
The Atal Pension Yojna is focused on un organised sector. Details of scheme are awaited as to who all can enroll. Scheme will be launched on 1 June 2015
Currently i am not a member in any Pension scheme as i running my own small business. So i am eligible to join the Atal Pension Yojana scheme. But if i get an employment in the next few years, what will happen? Can i continue in the scheme? If not, then will i get any money after 60 or can i withdraw the amount invested till then?
The Atal Pension Yojna is focused on un organised sector. Details of scheme are awaited as to who all can enroll. Scheme will be launched on 1 June 2015
THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OF INDIA
THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OF INDIA
Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai ? mera matlab death k bad nominee ko pension kab se milni shuru ho jayegi ?
Agar kisi ko death ho jaati hain tu unke wife/husband ko pension milege. Unki wife/husband ke baad nominee ko lump sump milega.
1. Man lijia ki mai 5-10 years tak paisa de paya, or aga koi karon bas nehi de paya or koi karan bos break ho gaya…tab iss mamle me kya hoga?
2. After 65 years ke bad mera koi karan bas death ho gya….us samay kya hoga? tab to mujhe pension dene to swarglog nehi jaiaga….iss mamle me please clear kijia.
3. kya aki account me husband & wife dono iss pension yojona kar sakte hai?
1. What will happen if required or sufficient amount is not maintained in the savings bank account for contribution on the due date?
Non-maintenance of required balance in the savings bank account for contribution on the specified date will be considered as default. Banks are required to collect additional amount for delayed payments, such amount will vary from minimum Re 1 per month to Rs 10 per month as shown below:
Re. 1 per month for contribution upto Rs. 100 per month.
Re. 2 per month for contribution upto Rs. 101 to 500 per month.
Re 5 per month for contribution between Rs 501 to 1000 per month.
Rs 10 per month for contribution beyond Rs 1001 per month.
Discontinuation of payments of contribution amount shall lead to following:
After 6 months account will be frozen.
After 12 months account will be deactivated.
After 24 months account will be closed.
Subscriber should ensure that the Bank account to be funded enough for auto debit of contribution amount. The fixed amount of interest/penalty will remain as part of the pension corpus of the subscriber.
2. In case of death of the Subscriber due to any cause: In case of death of subscriber pension would be available to the spouse and on the death of both of them (subscriber and spouse), the pension corpus would be returned to his nominee.
3. Yes agar unka bank account hai aur woh 18-40 years ke beech hain.
Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai ? mera matlab death k bad nominee ko pension kab se milni shuru ho jayegi ?
Agar kisi ko death ho jaati hain tu unke wife/husband ko pension milege. Unki wife/husband ke baad nominee ko lump sump milega.
1. Man lijia ki mai 5-10 years tak paisa de paya, or aga koi karon bas nehi de paya or koi karan bos break ho gaya…tab iss mamle me kya hoga?
2. After 65 years ke bad mera koi karan bas death ho gya….us samay kya hoga? tab to mujhe pension dene to swarglog nehi jaiaga….iss mamle me please clear kijia.
3. kya aki account me husband & wife dono iss pension yojona kar sakte hai?
1. What will happen if required or sufficient amount is not maintained in the savings bank account for contribution on the due date?
Non-maintenance of required balance in the savings bank account for contribution on the specified date will be considered as default. Banks are required to collect additional amount for delayed payments, such amount will vary from minimum Re 1 per month to Rs 10 per month as shown below:
Re. 1 per month for contribution upto Rs. 100 per month.
Re. 2 per month for contribution upto Rs. 101 to 500 per month.
Re 5 per month for contribution between Rs 501 to 1000 per month.
Rs 10 per month for contribution beyond Rs 1001 per month.
Discontinuation of payments of contribution amount shall lead to following:
After 6 months account will be frozen.
After 12 months account will be deactivated.
After 24 months account will be closed.
Subscriber should ensure that the Bank account to be funded enough for auto debit of contribution amount. The fixed amount of interest/penalty will remain as part of the pension corpus of the subscriber.
2. In case of death of the Subscriber due to any cause: In case of death of subscriber pension would be available to the spouse and on the death of both of them (subscriber and spouse), the pension corpus would be returned to his nominee.
3. Yes agar unka bank account hai aur woh 18-40 years ke beech hain.
I am from West Bengal, I am self employed and doing some typing job &
Science Graduate. My D.O.B is 15th. January 1970. I would like to join
in “ATAL PENSION YOJANA”. But my age is not permit. Why I suffer to
not get such schemes previous government? PLEASE DO SOMETHING FOR AGE
RELAXASION. T H A N K S.
I am from West Bengal, I am self employed and doing some typing job &
Science Graduate. My D.O.B is 15th. January 1970. I would like to join
in “ATAL PENSION YOJANA”. But my age is not permit. Why I suffer to
not get such schemes previous government? PLEASE DO SOMETHING FOR AGE
RELAXASION. T H A N K S.
THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME
THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME
pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke government na ho to kya ye scheem continu rahe ge , ya fir logo ko insurance bhi rashan ki dekano par hi milege
pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke government na ho to kya ye scheem continu rahe ge , ya fir logo ko insurance bhi rashan ki dekano par hi milege
Thanks to the Hon`ble PM Modiji for the noble idea & the welfare of Indian family
Thanks to the Hon`ble PM Modiji for the noble idea & the welfare of Indian family
THANKS TO MODIJI, WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOW POVERTY LINE PEOPLE. THESE TWO SCHEMES ARE VERY HELPFULL. YE GARIBI HATAO SARKAR NAHI…YE GARIBI MITAO SARKAR HAIN. THANKS ONCE AGAIN.
BHARATH MATHA KI JAI…JAI SRI RAM.
THANKS TO MODIJI, WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOW POVERTY LINE PEOPLE. THESE TWO SCHEMES ARE VERY HELPFULL. YE GARIBI HATAO SARKAR NAHI…YE GARIBI MITAO SARKAR HAIN. THANKS ONCE AGAIN.
BHARATH MATHA KI JAI…JAI SRI RAM.
Thanks to the Hon`ble PM Modiji for the noble idea & the welfare of Indian family. I want one clarification that, I have two different bank account, can I opt this scheme for both the accounts or not. Kindly clarify the same through my mail please.
No you can’t. One person can take only one policy. Its very simple go to ur bank and just sign auto debit declaration form for PMJJBY & PMSBY.
You can apply only in any one a/c.
Thanks to the Hon`ble PM Modiji for the noble idea & the welfare of Indian family. I want one clarification that, I have two different bank account, can I opt this scheme for both the accounts or not. Kindly clarify the same through my mail please.
No you can’t. One person can take only one policy. Its very simple go to ur bank and just sign auto debit declaration form for PMJJBY & PMSBY.
You can apply only in any one a/c.
Could you tell me whether state govt employees who are contributing monthly contribution under NPS are eligible for this scheme?
For Atal Pension Yojna no but for other two schemes it should be possible. Still waiting for more information on the schemes.
Could you tell me whether state govt employees who are contributing monthly contribution under NPS are eligible for this scheme?
For Atal Pension Yojna no but for other two schemes it should be possible. Still waiting for more information on the schemes.
can the change in government in future days affect the scheme?…Is it sure the people enrolled in this schemes get benefit in such condition
Good question and theoretically it is possible.
But usually party in power avoids reversing such decisions ex Aadhaar which was supported by UPA led govt has now become one of the most important document to have.
can the change in government in future days affect the scheme?…Is it sure the people enrolled in this schemes get benefit in such condition
Good question and theoretically it is possible.
But usually party in power avoids reversing such decisions ex Aadhaar which was supported by UPA led govt has now become one of the most important document to have.
Please confirm me whether we get back any amount once we reach 50 or 70 years of age, like maturity benefit.
No, its a term plan, u have to renew it every year by paying Rs.330/- & Rs.12/-.
For Atal pension Yojna you contribute till you become 60 years of age. Depending on the contribution
you will get pension till you are alive
your spouse(wife/husband) will get pension after the subscriber’s death
After spouse death nominees will get the amount.
For example if person joined Atal Pension Yojna at 35 years, he will contribute till age of 60 ie 25 years.
If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month. On his death his wife would get Rs 1000 per month and after her death the nominees will get 1.7 lakh.
If he wants monthly pension of Rs 3000 he would contribute Rs 543 a month. On his death his wife would get Rs 3000 per month and after her death the nominees will get 5.1 lakh.
Please confirm me whether we get back any amount once we reach 50 or 70 years of age, like maturity benefit.
No, its a term plan, u have to renew it every year by paying Rs.330/- & Rs.12/-.
For Atal pension Yojna you contribute till you become 60 years of age. Depending on the contribution
you will get pension till you are alive
your spouse(wife/husband) will get pension after the subscriber’s death
After spouse death nominees will get the amount.
For example if person joined Atal Pension Yojna at 35 years, he will contribute till age of 60 ie 25 years.
If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month. On his death his wife would get Rs 1000 per month and after her death the nominees will get 1.7 lakh.
If he wants monthly pension of Rs 3000 he would contribute Rs 543 a month. On his death his wife would get Rs 3000 per month and after her death the nominees will get 5.1 lakh.
Thanks for scheem
Thanks for scheem
Am now 55 year, can i subscribe the APY and i want take Rs.5000/-pm from 60 year. please send details.
The minimum age of joining Atal Pension Yojna,APY, is 18 years and maximum age is 40 years. One needs to contribute till one attains 60 years of age.
Sorry Sir, as you are 55 years of age you are not eligible to join.
Am now 55 year, can i subscribe the APY and i want take Rs.5000/-pm from 60 year. please send details.
The minimum age of joining Atal Pension Yojna,APY, is 18 years and maximum age is 40 years. One needs to contribute till one attains 60 years of age.
Sorry Sir, as you are 55 years of age you are not eligible to join.
i am already enter NPS (a pran card holder) scheme with swabalamban active position ,contribution for swabalamban also received in last year(13-14),my DOB 02.01.1974,how i operate my a/c?
i am already enter NPS (a pran card holder) scheme with swabalamban active position ,contribution for swabalamban also received in last year(13-14),my DOB 02.01.1974,how i operate my a/c?
Good News everybody.. all three schemes are launching by 9th may at kolkata..
everything u want to know abt scheme is available to me now.. at my email id sunil2k11@yahoo.com
Good News everybody.. all three schemes are launching by 9th may at kolkata..
everything u want to know abt scheme is available to me now.. at my email id sunil2k11@yahoo.com
[…] Pradhan Mantri Suraksha Bima Yojana,Pradhan Mantri Jeevan Jyoti Bima Yojana and Atal Pension Yojna @ BeMoneyAware.com […]
[…] Pradhan Mantri Suraksha Bima Yojana,Pradhan Mantri Jeevan Jyoti Bima Yojana and Atal Pension Yojna @ BeMoneyAware.com […]
All student joint good scheme
All student joint good scheme
Dear
Sir, I request you this scheme give the csc. and all vle give Banking,insurance,pension.
thanks..
Burha,Darrang,Assam
contact- 9854929985
Sir could you explain your question. We are unable to understand it.
good news for all indian citizens i hope everybody will get these schemes
dear mr. hemanta … for this you have to talk to you SCA.. other wisse let me assure you that this scheme will be provided by all the POPs and aggregators as swavlamban was.. so, not to worry … it will be in your CSC
Dear
Sir, I request you this scheme give the csc. and all vle give Banking,insurance,pension.
thanks..
Burha,Darrang,Assam
contact- 9854929985
Sir could you explain your question. We are unable to understand it.
good news for all indian citizens i hope everybody will get these schemes
dear mr. hemanta … for this you have to talk to you SCA.. other wisse let me assure you that this scheme will be provided by all the POPs and aggregators as swavlamban was.. so, not to worry … it will be in your CSC
is there any logo for pmjjby/pbsby/pmapj schemes?
There would be but it is not launched till now. As schemes are going to launched on 1 June around that time logo will be available.
Why interest in logos of these schemes?
yes ! pfrda is the only logo for APY..
is there any logo for pmjjby/pbsby/pmapj schemes?
There would be but it is not launched till now. As schemes are going to launched on 1 June around that time logo will be available.
Why interest in logos of these schemes?
yes ! pfrda is the only logo for APY..
I am a govment employee .can I also take this yosna?
Which Yojna are you interested in?
These schemes will be launched on June 1 2015/
The Atal Pension Youjna focus is on the unorganised sector. As you have EPF/NPS you would not be eligible for it.
But for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna it should be possible. Wait till 1 Jun 2015 for clarity
you are already enrolled with NPS…
I am reaching Agem of 53, Can I join in APJ, please confirm it.
he minimum age of joining Atal Pension Yojna,APY, is 18 years and maximum age is 40 years. One needs to contribute till one attains 60 years of age.
Sorry Sir, as you are 53 years of age you are not eligible to join.
I am a govment employee .can I also take this yosna?
Which Yojna are you interested in?
These schemes will be launched on June 1 2015/
The Atal Pension Youjna focus is on the unorganised sector. As you have EPF/NPS you would not be eligible for it.
But for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna it should be possible. Wait till 1 Jun 2015 for clarity
you are already enrolled with NPS…
I am reaching Agem of 53, Can I join in APJ, please confirm it.
he minimum age of joining Atal Pension Yojna,APY, is 18 years and maximum age is 40 years. One needs to contribute till one attains 60 years of age.
Sorry Sir, as you are 53 years of age you are not eligible to join.
All the three schemes will be operated by PSU Banks. Either life or general insurance companies are the service providers. Contribution of the premium by auto debit so people must inculcate banking habits. clarity should be provided on continuation of pension after death of pensioner before pension starts or in the middle after 60 years. A person started to contribute but after few years, he is not in a position to contribute for APY,what will happen to his corpus etc to be clarified
Yes Sir you have a good point.
We need to wait till 1 June 2015 when there will be more clarity.
there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all. like UTI.. you question abt if someone is not in the position to pay contribution … Once started every body has to pay contribution forcefully .. if not your accound will be hold with in 3 months and totally blocked after a year.. these are the only draw backs abt this APY Scheme. which were not in swavlamban scheme.
All the three schemes will be operated by PSU Banks. Either life or general insurance companies are the service providers. Contribution of the premium by auto debit so people must inculcate banking habits. clarity should be provided on continuation of pension after death of pensioner before pension starts or in the middle after 60 years. A person started to contribute but after few years, he is not in a position to contribute for APY,what will happen to his corpus etc to be clarified
Yes Sir you have a good point.
We need to wait till 1 June 2015 when there will be more clarity.
there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all. like UTI.. you question abt if someone is not in the position to pay contribution … Once started every body has to pay contribution forcefully .. if not your accound will be hold with in 3 months and totally blocked after a year.. these are the only draw backs abt this APY Scheme. which were not in swavlamban scheme.
can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima Yojana,Pradhan Mantri Jeevan Jyoti Bima Yojana and Atal Pension Yojna
can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima Yojana,Pradhan Mantri Jeevan Jyoti Bima Yojana and Atal Pension Yojna
Great Job by our GreaT PM Sir.
Is there any pension scheme wherein the pension increases as per inflation, like govt employees get
We are not aware of it.
Great Job by our GreaT PM Sir.
Is there any pension scheme wherein the pension increases as per inflation, like govt employees get
We are not aware of it.
thank prime minister you are really hiro of my life.
thank prime minister you are really hiro of my life.
i am at age 37 years.i want to take the scheme for the pension of rs 5000 .if my death occured at the age of 45 years what benifit i will get and then how the scheme will work then after.
We pray to God that does not happen.
But if someone joins at age of 37 years and contributes for pension of Rs 5000,
after his/her death
the spouse(wife/husband) will get pension after the subscriber’s death
After spouse death nominees will get the indicative amount.
i am at age 37 years.i want to take the scheme for the pension of rs 5000 .if my death occured at the age of 45 years what benifit i will get and then how the scheme will work then after.
We pray to God that does not happen.
But if someone joins at age of 37 years and contributes for pension of Rs 5000,
after his/her death
the spouse(wife/husband) will get pension after the subscriber’s death
After spouse death nominees will get the indicative amount.
in the life insurance scheme…if some one joins at the age of 18 and pays premium till the age of 55 he has approximately paid rs. 12500 .. lekin jaise LIC mein maturity of the scheme par amount mil jaata hai…yaha par kuch nai milega??
in the life insurance scheme…if some one joins at the age of 18 and pays premium till the age of 55 he has approximately paid rs. 12500 .. lekin jaise LIC mein maturity of the scheme par amount mil jaata hai…yaha par kuch nai milega??
IN Atal Pension Yojna (APY)
IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS & HOW MUCH
In case of death of subscriber pension would be available to the spouse and on the death of both of them (subscriber and spouse),the pension corpus would be returned to his nominee.
Amount of money returned to nominees depend on how much contribution one made that is when the person joined the scheme and how many years he contributed.
For example if person joined Atal Pension Yojna at 35 years, he will contribute till age of 60 years ie 25 years.
If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month. On his death his wife would get Rs 1000 per month and after her death the nominees will get 1.7 lakh.
If he wants monthly pension of Rs 3000 he would contribute Rs 543 a month. On his death his wife would get Rs 3000 per month and after her death the nominees will get 5.1 lakh.
Maximum amount of pension one can get is Rs 5000 per month
dear sir how many years i have receive pension
IN Atal Pension Yojna (APY)
IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS & HOW MUCH
In case of death of subscriber pension would be available to the spouse and on the death of both of them (subscriber and spouse),the pension corpus would be returned to his nominee.
Amount of money returned to nominees depend on how much contribution one made that is when the person joined the scheme and how many years he contributed.
For example if person joined Atal Pension Yojna at 35 years, he will contribute till age of 60 years ie 25 years.
If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month. On his death his wife would get Rs 1000 per month and after her death the nominees will get 1.7 lakh.
If he wants monthly pension of Rs 3000 he would contribute Rs 543 a month. On his death his wife would get Rs 3000 per month and after her death the nominees will get 5.1 lakh.
Maximum amount of pension one can get is Rs 5000 per month
dear sir how many years i have receive pension
Dear sir
how many years i have receive pension ?
at the time of 60 yers how many amount i have receive?
The minimum age of joining APY is 18 years and maximum age is 40 years. One needs to contribute till one attains 60 years of age.
After attaining 60 years one starts getting pension. Till what age he or his spouse will recieve pension is not clear.
Details are awaited and would be known when the scheme is launched.
Dear sir
how many years i have receive pension ?
at the time of 60 yers how many amount i have receive?
The minimum age of joining APY is 18 years and maximum age is 40 years. One needs to contribute till one attains 60 years of age.
After attaining 60 years one starts getting pension. Till what age he or his spouse will recieve pension is not clear.
Details are awaited and would be known when the scheme is launched.
Dear sir
i do not under stand abvove chart of Atal Pension Yojna.
my age 30 years how many money Rs Monthly investment for this yojna so get 1000 & 5000 Pension per month. give me all details about it.
if he joins at the age of 18 years To get a fixed monthly pension of Rs. 1,000 per month, the subscriber has to contribute on monthly basis Rs. 42 for Rs 5000 pension he has to contribute Rs. 210.
if he joins at the age of 40 years To get a fixed monthly pension of Rs. 1,000 per month, the subscriber has to contribute on monthly basis Rs. 291 and for Rs 5000 pension he has to contribute Rs. 1,454
Dear sir
i do not under stand abvove chart of Atal Pension Yojna.
my age 30 years how many money Rs Monthly investment for this yojna so get 1000 & 5000 Pension per month. give me all details about it.
if he joins at the age of 18 years To get a fixed monthly pension of Rs. 1,000 per month, the subscriber has to contribute on monthly basis Rs. 42 for Rs 5000 pension he has to contribute Rs. 210.
if he joins at the age of 40 years To get a fixed monthly pension of Rs. 1,000 per month, the subscriber has to contribute on monthly basis Rs. 291 and for Rs 5000 pension he has to contribute Rs. 1,454
are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi.
Sir aap kis yojna ki baat kar rahen hain? Atal Pension yojna mein to spouse ko pension milne ka aur nominees ko lump sump milne ka provision hai.
are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi.
Sir aap kis yojna ki baat kar rahen hain? Atal Pension yojna mein to spouse ko pension milne ka aur nominees ko lump sump milne ka provision hai.
thanks our new pm modi founder of make in India for opening this suitable and essential scheme.
thanks our new pm modi founder of make in India for opening this suitable and essential scheme.
swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the only swavalamban reduce poverty so swavalamban is the best
swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the only swavalamban reduce poverty so swavalamban is the best
im umemployed person. im unable to pay a such big amount of rs.5, 6, 8lakhs. would it be low.
im umemployed person. im unable to pay a such big amount of rs.5, 6, 8lakhs. would it be low.
My son is of 30 years. His Yearly income is 5,00,000/- can he join the ATAL PENSION YOJNA (APY) by contributing Rs. 577/- per month. Who will get the Corpus of Rs. 8,50,000/- and when. What happens id unfortunally he is no more before 60 years of age.
Sir we don’t have details. The scheme will be launched on June 1 2015 and focus is on the unorganised sector.
My son is of 30 years. His Yearly income is 5,00,000/- can he join the ATAL PENSION YOJNA (APY) by contributing Rs. 577/- per month. Who will get the Corpus of Rs. 8,50,000/- and when. What happens id unfortunally he is no more before 60 years of age.
Sir we don’t have details. The scheme will be launched on June 1 2015 and focus is on the unorganised sector.
Sir
As per the Atal Pension Yojana, those who are contributing EPF they are not eligible for the pension. Suppose one person 18 yrs old he started the pension scheme. After 5 yrs he is in service & he is started to contribute the EPF. In this case whether he is eligible to get the APY pension.
can i avail all above ( 3 yojna ) at same time….?
If you satisfy conditions yes. Let more details about the scheme come out.
can i avail all above ( 3 yojna ) at same time….?
If you satisfy conditions yes. Let more details about the scheme come out.
Please avail this to me
Sorry Sir we can’t do that.
Please avail this to me
Sorry Sir we can’t do that.
Sunil I don’t think Dilip Sir can enroll for NPS.
Non Government employee, between age of 18 to 60 years, can invest in National Pension scheme. He can join as as an individual investor or if his company(Corporate house) joins NPS.
Dilip Sir are you looking for a regular pension?
Sunil I don’t think Dilip Sir can enroll for NPS.
Non Government employee, between age of 18 to 60 years, can invest in National Pension scheme. He can join as as an individual investor or if his company(Corporate house) joins NPS.
Dilip Sir are you looking for a regular pension?
I found that the swavlamban yojna was much better than APY. Because here in this yojna people once choose rs. 1000 pension can not upgrade to 2000 or 3000. Second.. Age limit 18 to 40 is very less because normally people start thier earning by 23rd or 24 year.. Nd people above 30 only starts thinking abt pension. Third : in this scheme everybody is bound to pay premium as privte schemes. And the main thing is nobody knows much on APY. There is no updation on scheme more than budget annoucement and pfrda still showing swavlamban on thier site http://www.pfrda.org.in
Kirti: i am very much impressed on how u demonstrate people abt APY and trying to reply.. Keep going on. Regards
Thanks Sunil. We appreciate your comments. Keep them coming
I found that the swavlamban yojna was much better than APY. Because here in this yojna people once choose rs. 1000 pension can not upgrade to 2000 or 3000. Second.. Age limit 18 to 40 is very less because normally people start thier earning by 23rd or 24 year.. Nd people above 30 only starts thinking abt pension. Third : in this scheme everybody is bound to pay premium as privte schemes. And the main thing is nobody knows much on APY. There is no updation on scheme more than budget annoucement and pfrda still showing swavlamban on thier site http://www.pfrda.org.in
Kirti: i am very much impressed on how u demonstrate people abt APY and trying to reply.. Keep going on. Regards
Thanks Sunil. We appreciate your comments. Keep them coming
I AM NOW 66 YRS. OLD can I enroll my self in APY? If the answer is yes then what is the procedure, such as contribution amount, pension amount, etc.
you can enroll yourself with NPS. it is the same as APY Except you will not get any contribution from govt. of india
I AM NOW 66 YRS. OLD can I enroll my self in APY? If the answer is yes then what is the procedure, such as contribution amount, pension amount, etc.
you can enroll yourself with NPS. it is the same as APY Except you will not get any contribution from govt. of india
I AM NOW 66 YRS. OLD can I enroll my self in APY? If the answer is yes then what is the procedure, such contribution amount, pension amount, etc.
APY scheme will be launched on June 1 2015 and focus is on the unorganised sector. Under the Atal Pension Yojna Scheme (APY), the subscribers ,under the age of 40, would receive the fixed monthly pension of Rs. 1000 to Rs 5000 at the age of 60 years, depending on their contributions.
As you are already 65 years you cannot subscribe to APY.
I AM NOW 66 YRS. OLD can I enroll my self in APY? If the answer is yes then what is the procedure, such contribution amount, pension amount, etc.
APY scheme will be launched on June 1 2015 and focus is on the unorganised sector. Under the Atal Pension Yojna Scheme (APY), the subscribers ,under the age of 40, would receive the fixed monthly pension of Rs. 1000 to Rs 5000 at the age of 60 years, depending on their contributions.
As you are already 65 years you cannot subscribe to APY.
Can anyone take these scheme, or is there conditions based on financial credits also..
No clarity on it till now.
Atal Pension Yojna focus is on the unorganised sector
But for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana there don’t seem to be any limitations. But will wait for more details .
Can anyone take these scheme, or is there conditions based on financial credits also..
No clarity on it till now.
Atal Pension Yojna focus is on the unorganised sector
But for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana there don’t seem to be any limitations. But will wait for more details .
Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will be Active? if premium is paid regularly
People who join the scheme before completing 50 years can, however, continue to have the risk of life cover up to the age of 55 years subject to payment of premium.
Risk cover is till 55 years.
Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will be Active? if premium is paid regularly
People who join the scheme before completing 50 years can, however, continue to have the risk of life cover up to the age of 55 years subject to payment of premium.
Risk cover is till 55 years.
All are very good scheme, APY scheme will be open on 1st June. Where should i go for open all three schemes?
All are very good scheme, APY scheme will be open on 1st June. Where should i go for open all three schemes?
IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAE YADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI
IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAE YADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI
This is good opportunity for people.people enjoy the scheme PJJY,PSBY and APY It help people for good economical background those family nobody’s earned.
This is good opportunity for people.people enjoy the scheme PJJY,PSBY and APY It help people for good economical background those family nobody’s earned.
Can i take policy in all the pension scheme plz brief
The scheme will be launched on June 1 2015 and focus is on the unorganised sector. Details are not available yet.
Can i take policy in all the pension scheme plz brief
The scheme will be launched on June 1 2015 and focus is on the unorganised sector. Details are not available yet.
Pradhanmantri ,all this Yojana is VERY GOOD. Insurance is one very imp issence thing in every budys Life !
Pradhanmantri ,all this Yojana is VERY GOOD. Insurance is one very imp issence thing in every budys Life !
IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT AND DEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACK AMOUNT OR NOT. PLEASE TELL ME.
Sunil,
The minimum age of joining APY is 18 years and maximum age is 40 years. One needs to contribute till one attains 60 years of age.
The Table of contribution levels, fixed monthly pension to subscribers and his spouse and return of corpus to nominees of subscribers and the contribution period is given below. For example, to get a fixed monthly pension between Rs. 1,000 per month and Rs. 5,000 per month, the subscriber has to contribute on monthly basis between Rs. 42 and Rs. 210, if he joins at the age of 18 years. For the same fixed pension levels, the contribution would range between Rs. 291 and Rs. 1,454, if the subscriber joins at the age of 40 years.
How to read the table.
30 30 116 231 347 462 577
If you join at 30 you have to put money till 30. For monthly pension of Rs 1000 you need to contribute Rs 116 and would get corpus of 1.7 lakh, Rs 231 for monthly pension of 2000 Rs and corpus of 3.4 lakh.
Hope it helps
Dear Kirty,
I am in 41 now, is possible to enroll by paying the additional in down payment… pls advice
IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT AND DEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACK AMOUNT OR NOT. PLEASE TELL ME.
Sunil,
The minimum age of joining APY is 18 years and maximum age is 40 years. One needs to contribute till one attains 60 years of age.
The Table of contribution levels, fixed monthly pension to subscribers and his spouse and return of corpus to nominees of subscribers and the contribution period is given below. For example, to get a fixed monthly pension between Rs. 1,000 per month and Rs. 5,000 per month, the subscriber has to contribute on monthly basis between Rs. 42 and Rs. 210, if he joins at the age of 18 years. For the same fixed pension levels, the contribution would range between Rs. 291 and Rs. 1,454, if the subscriber joins at the age of 40 years.
How to read the table.
30 30 116 231 347 462 577
If you join at 30 you have to put money till 30. For monthly pension of Rs 1000 you need to contribute Rs 116 and would get corpus of 1.7 lakh, Rs 231 for monthly pension of 2000 Rs and corpus of 3.4 lakh.
Hope it helps
Dear Kirty,
I am in 41 now, is possible to enroll by paying the additional in down payment… pls advice
What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna? If subscriber get death during the period before 60 or after 60 then this pension shall be applicable for nominee or not? and in case of death before 60 who shall pay remaining installments upto the age of 60 years?
Please advice….
Hello Sanyam
Your blog rocks. I am a regular reader of your blog.
Coming to your question. The table distinguishes between pension to subscriber and his spouse and his nominee. So it’s not clear that after subscriber death would his spouse get the pension of not. But for nominees it is clear.
In case of the subscriber’s death after attaining 60 years of age, the whole corpus generating the pension income to the subscriber would be returned back to the nominee of the subscriber.
In case of untimely death of the subscriber before 60 years of age, the balance would be returned back to the nominee of the subscriber.
What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna? If subscriber get death during the period before 60 or after 60 then this pension shall be applicable for nominee or not? and in case of death before 60 who shall pay remaining installments upto the age of 60 years?
Please advice….
Hello Sanyam
Your blog rocks. I am a regular reader of your blog.
Coming to your question. The table distinguishes between pension to subscriber and his spouse and his nominee. So it’s not clear that after subscriber death would his spouse get the pension of not. But for nominees it is clear.
In case of the subscriber’s death after attaining 60 years of age, the whole corpus generating the pension income to the subscriber would be returned back to the nominee of the subscriber.
In case of untimely death of the subscriber before 60 years of age, the balance would be returned back to the nominee of the subscriber.
really nice scheme
really nice scheme
1st, thanks to Shriman Narendra Modiji.
This is a very helpful scheme for every Indian and especially to Under Bellow Poverty Line community..
Thank you very much indeed.
1st, thanks to Shriman Narendra Modiji.
This is a very helpful scheme for every Indian and especially to Under Bellow Poverty Line community..
Thank you very much indeed.
hi
at what age we getting corpus amount
THE CORPUS AMOUNT WILL NOT GET TO YOU. IT WILL GET BY YOUR NOMINEES AFTER YOU AND YOUR SPOUSE DEATH.
hi
at what age we getting corpus amount
THE CORPUS AMOUNT WILL NOT GET TO YOU. IT WILL GET BY YOUR NOMINEES AFTER YOU AND YOUR SPOUSE DEATH.
Thank Prime Minister your are really our care taker.
Thank Prime Minister your are really our care taker.
Thank Prime Minister your are really our care taker lot of thanks.
Thank Prime Minister your are really our care taker lot of thanks.
Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation.
Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation.
Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation.
Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation.
श्रीमान जी मै बहुत गरीब परिवार से हू। मेरा परिवार भी बड़ा है श्री प्रधानमंत्री महोदय जी के इस योजना से सभी गरीब परिवार का भला होगा। समस्त पिछड़ी जाती अति पिछड़े जाती के लोगो का भला होगा। श्री प्रधानमंत्री महोदय जी का कोटि कोटि आभार बंदन है।
YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGA
JABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAI…
श्रीमान जी मै बहुत गरीब परिवार से हू। मेरा परिवार भी बड़ा है श्री प्रधानमंत्री महोदय जी के इस योजना से सभी गरीब परिवार का भला होगा। समस्त पिछड़ी जाती अति पिछड़े जाती के लोगो का भला होगा। श्री प्रधानमंत्री महोदय जी का कोटि कोटि आभार बंदन है।
YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGA
JABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAI…
IS AADHAR NO IS NECESSARY FOR ATAL PENSION SCHEME