Pradhan Mantri Vyay Vandana Yojana (PMVVY) 2020 : Pradhan Mantri Vyay Vandana Yojana (PMVVY) Form and full Details 2020| PM Vay Vandana Yojana |
Earlier, the scheme expired on March 31, 2020. But now after this approval, the duration of the PM Expenditure Vandana scheme has been extended till March 31, 2023. Pradhan Mantri Vyay Vandana Yojana is a scheme for senior citizens, under which the option of monthly pension is available. Under this scheme, senior citizens get a pension at a fixed rate for 10 years,
Pradhan Mantri Vaya Vandana Scheme Benefits & Details
- (PMVVY Yojana Minimum Age) – 60 Year
- (Maximum Age) – None
पालिसी टर्म – 10 साल| इसका मतलब यह है की आपको 10 साल तक पेंशन मिलेगी।
पेंशन Frequency: मासिक (monthly), तिमाही (quarterly), अर्धवार्षिक (Half-yearly) या वार्षिक (annual)| आप पेंशन भुगतान आवृत्ति (frequency) का चयन कर सकते हैं।
न्यूनतम पेंशन (Minimum Pension): 1,000 रुपये प्रति माह, 3,000 रुपये प्रति तिमाही , 6,000 रुपये प्रति अर्ध वर्ष ( 6 महीना) या 12,000 रुपये प्रति वर्ष
अधिकतम पेंशन (Maximum Pension): 5,000 प्रति माह, प्रति तिमाही रु 15,000, प्रति अर्धवर्ष रु 30,000 या प्रति साल रु 60,000
अधिकतम पेंशन (Maximum Pension): 10,000 रुपये प्रति माह, 30,000 रुपये प्रति तिमाही, 60,000 रुपये प्रति अर्धवर्ष या 1.2 लाख रुपये प्रति वर्ष (Updated on May 3, 2020)
ब्याज दर: 8% p.a.
भुगतान की अवधि वार्षिक चुने जाने पर 8.3% वार्षिक रिटर्न मिल सकता है|
1.50 lakh is required to be deposited
Under this scheme, the amount has to be deposited at once. This amount can be a minimum of Rs 1.50 lakh and a maximum of Rs 15 lakh. The pensioner will have the right to take the amount of interest as a pension or in the form of a lump sum.
Get 8 percent compensation
Under PMVVY, a fixed return of 8 to 8.30 percent per annum is paid on the amount deposited. The interest rate is based on monthly, quarterly, biennial or annual, in the order in which the pensioner will take the amount of the pension. Pensioners will get 8% interest per month, while the annual pension will be 8.30%.
Who will take advantage of this scheme?
PMVVY is for citizens over 60 years of age. Under this scheme, pension is guaranteed with a guaranteed annual return of 8% for 10 years. With the increase in investment limit, senior citizens are guaranteed a maximum of Rs 10,000 per month and a minimum of Rs 1,000 per month.
Compensation guarantee
Interest is earned only in the form of a pension. That is, if you deposit Rs 15 lakh, you will get an interest of Rs 1 lakh 20 thousand for the year at the rate of 8%. The same interest rate of 10-10 thousand rupees per month, 30-30 thousand rupees every three months, twice a year or once a year 60-60 thousand rupees, one lakh 20 thousand rupees as the pension is given.
The only difference is that interest rates on other deposits are reviewed quarterly by the government, while interest rates on PMVVY are fixed at least 8%. If you choose to take a pension on a quarterly, half-yearly or annual basis, you will have to deposit less than Rs 15,000 lakh.
What are the conditions?
Must have completed at least 60 years of age.
There is no maximum age limit after 60 years.
Policy Term- 10 years.
Minimum pension - 1000 per month, 3000 rupees per quarter, 6000 rupees per six months, 12000 rupees per year.
Maximum pension - 10000 per month, 300000 rupees per quarter, 60000 rupees per six months, 1 lakh 20 thousand rupees per year.
How to apply
You have to fill up a form to avail of this scheme of Central Government. It is necessary to attach the required documents with this form. Senior citizens can also invest in the scheme online.
No more than 10,000 pensions per family:
According to the website of LIC, the administrator of the scheme, the maximum pension limit applies not to a pensioner but to his entire family. This means that as many people from one family will get a pension under Pradhan Mantri Vyay Vandana Yojana.
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The total amount of pension received by each of them should not exceed Rs. 10,000. The family of the pensioner includes the wife and their dependents in addition to the pensioner.
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