3 awesome schemes, pradhanmantri jivan bima yojna,Atal pension yojna and pradhanmantri jyoti yojna. Under jan dhan yojna more than 100 million banks were opened but most accounts were zero balanced.So to handle this zero balance accounts extra load of millions were laid on banks, so to credit some money in those accounts and putting some steps towards reducing poverty this very beneficial schemes have been started.
Under pradhanmantri suraksha bima yojna(accidental insurance) the account holder will have to pay only 12 rupees Per year and will get insurance of 2,00,000 rupees Under accidental death or total disability. This scheme is applicable to the people age group of 18 to 70 yrs. The people consent with this scheme will have to auto-debit their account before 31st may and annual renewal is needed.The annual term will be from 1 June to 31 may.The scheme is applicable for saving account.
Now moving on to another insurance scheme pradhanmantri jeevan jyoti yojna (life insurance) the account holder will have to credit 330 rupees per year and will get insurance of 2,00,000 rupees after death.The death may be by any means. This scheme is applicable to people age group to 18 to 50 years. As in India more than 90% people don't have insurance. This schemes will mostly benefit the people who are below poverty line and will give firm economical support to their family after death.
Under pradhanmantri suraksha bima yojna(accidental insurance) the account holder will have to pay only 12 rupees Per year and will get insurance of 2,00,000 rupees Under accidental death or total disability. This scheme is applicable to the people age group of 18 to 70 yrs. The people consent with this scheme will have to auto-debit their account before 31st may and annual renewal is needed.The annual term will be from 1 June to 31 may.The scheme is applicable for saving account.
Now moving on to another insurance scheme pradhanmantri jeevan jyoti yojna (life insurance) the account holder will have to credit 330 rupees per year and will get insurance of 2,00,000 rupees after death.The death may be by any means. This scheme is applicable to people age group to 18 to 50 years. As in India more than 90% people don't have insurance. This schemes will mostly benefit the people who are below poverty line and will give firm economical support to their family after death.
The third and last scheme Atal pension yojna also an outstanding scheme will provide financial support after retirement beyond the age of 60. The pension of 1000 to 5000 rupees will be given depending on their annual contribution. The people age group of 18 to 40 years can contribute to this scheme. The period of contribution should be 20 years or more. The central bank will contribute 50% amount or 1000 rupees,whichever is less.If the account holder dies before 60 years of age then the pension will be given to his/her wife/husband. But if both die before completing their 60 years of age then the contributed amount will be given one handed to the person as prescribe by them.
As according to survey more than 88% workers don't have pension facilities so this will help those poor people whose annual income is less than 1 lak. rupees and those who don pay taxes.
So over all this schemes are very beneficial and will help in economical development of India.By the way this new concept of reducing poverty is good but its future will depend on its application.how much impact it will have on Indian economy that will be great to see.
As according to survey more than 88% workers don't have pension facilities so this will help those poor people whose annual income is less than 1 lak. rupees and those who don pay taxes.
So over all this schemes are very beneficial and will help in economical development of India.By the way this new concept of reducing poverty is good but its future will depend on its application.how much impact it will have on Indian economy that will be great to see.
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