वरिष्ठ पेंशन बीमा योजना – Varishtha Pension Bima Yojana 2019 PDF Details. LIC VPBY Scheme PDF Life Certificate Details in Hindi. Maximum Amount Calculator for “Varishtha Pension Bima Yojana 2019”.
Varishtha Pension Bima Yojana
For senior citizens, there is a plan called Varishtha Pension Bima Yojana (VPBY). This is a scheme announced by the Prime Minster Narendra Modi with NDA Government as a pension scheme for senior citizens. He announced this scheme with a guaranteed interest of 8 per cent for 10 years.
इस योजना के तहत कुल सं। 3.16 लाख वार्षिक को लाभ हो सकता हैं | पुनर्जीवित पेंशन पेंशन बीमा योजना (VPBY) को औपचारिक रूप से वित्त मंत्री द्वारा 14.08.2014 को लॉन्च किया गया था | इस योजना को 15 अगस्त, 2014 से 14 अगस्त, 2015 तक खिड़की के दौरान खोला गया था। इस पालिसी के दौरान जिन जिन लोगो ने इस पालिसी में रजिस्टर किया है, उनको इस पालिसी के दौरांन 8% का लाभ होगा | भारतीय जीवन बीमा निगम (LIC) के माध्यम से इस योजना का संचालन किया जाता है। इस योजना के तहत जो रजिस्टर्ड उसेर्स है उनको एकमुश्त राशि के भुगतान पर 8% प्रति वर्ष (मासिक भुगतान) की गारंटी दर पर पेंशन मिलेगी | रजिस्टर्ड उसेर्स को इस योजना पॉलिसी की खरीद के पंद्रह साल बाद वार्षिकी द्वारा जमा राशि की निकासी की अनुमति दी जाएगी |
Main Objective – मुख्य उदेश्य
This plan was launched by the Government and incorporated by LIC Group. But later on, it was last launched by the Government of India for the limited period and revived for one year from 15th August, 2014 to 14th August, 2015. This scheme is only planned for people above 60 years of age.
Benefits – लाभ
According to this scheme, the pensioner gets up to Rs. 60,000 p.a. for the pension under LIC Varishtha Pension Bima Yojana. Here are some benefits under this scheme are:
Pension Payment Benefits:
As per the mode chosen by the candidate, according to this the pension is given as an annually payable amount to the candidates.
Under this scheme, for the registered users the purchase amount is refunded under LIC Varishtha Pension Bima Yojana. The amount deposited by the pensioner, is get back to the beneficiaries, whenever the policy is taken out.
- LIC Varishtha Pension Bima Yojana is started by the Government of India and stands equally with other government pension policies.
- You receive Rs. 5,000 per month for a single premium of Rs. 6,66,665 or an annual sum of Rs. 60,000 for a premium of Rs. Rs. 6,39,610 under LIC Varishtha Pension Bima Yojana. In practical terms, this means a return of 9% and above. Considering the current interest rates for fixed deposits or savings accounts, the returns on your money from LIC Varishtha Pension Bima Yojana is much higher than these other options.
Eligibility Conditions and Restrictions
- Minimum Entry Age: 60 years
- Maximum Entry Age: No Limit
- Minimum Pension:
|Rs. 3,000||Half Year|
|Rs. 30,000||Half Year|
Mode of Payment:
There are 4 ways or modes of pension payment are monthly, quarterly, half-yearly & yearly. The pension payment shall be through ECS/NEFT only.
LIC Varishtha Pension Bima Yojana 2019 Policy Details
- In this policy, the amount is refunded back to the pensioner after 15 years till the date he/she registered. If any issue occurred like Critical or Terminal Illness, in this case the policy is surrendered before 15 years and the 98% of the purchase amount is refunded back to the pensioner or beneficiaries.
- If any candidate, is not happy with the policies of the scheme, they have an option of cancelling the policy within 15 working days of receipt, there has been no claim provided.
- Loan facility is available after completion of 3 policy years. The maximum loan that can granted shall be 75% of the Purchase Price.
- Taxes including Service Tax, if any, shall be as per the Tax laws and the rate of tax as applicable from time to time.