Everyone wishes that his old age passes without any trouble. For this, people start investing after getting a job. So that a good fund can be prepared as soon as retirement happens. If there is a good income every month, then the tension of your old age ends and it will pass comfortably. In this article, we are going to tell you about four such pension schemes which can be great for people.
National Pension Scheme
NPS is a retirement scheme. In this, people get pension. Under this scheme, you can get monthly pension. There is the option of investing the most to create a fund under NPS. This scheme is directly linked to the government. If you invest Rs 6 thousand monthly in this scheme, then you start getting pension after 60 years. At the same time, you will be able to invest in the scheme by saving Rs 200 every day. Investing in this scheme gives income tax benefit.
Atal Pension Scheme
If you do not want to depend on anyone financially in old age, then investing in Atal Pension Scheme can prove to be a great option. By investing a small amount in this small savings scheme of the government, you can get a monthly pension of Rs 1000 to Rs 5000. Under this change, people who pay income tax are not being given benefits.
Let us tell you that a person between 18 years to 40 years can invest in this scheme. Under this scheme, a pension of Rs 1 thousand to Rs 5 thousand is received. If a person does not start investing at the age of 18. Then you have to invest more. Along with this, income tax benefit is also available.
Senior Citizens Savings Scheme
In Senior Citizen Savings Scheme, you can invest a minimum of Rs 1000 and a maximum of Rs 30 lakh. This account can be opened by any person aged 60 years or above or as a joint account with husband and wife. Tax benefit is given under 80C on the amount deposited in the account.
Along with this, quarterly interest is provided. In this scheme, interest is being received at the rate of 8 percent instead of 7.6 percent. At the same time, the interest rates of small savings schemes are also revised. In this, interest is being provided for Senior Citizen Saving Scheme from 8 percent to 8.2 percent.
