Great Plan For Married Couples: Married Couple Can Now Get Rs 10,000 Monthly- Know More Details Here
Atal Pension Yojana: Great Plan For Married Couples, Get Rs 10000 Monthly after Retirement!
Pension scheme for married couple: Get Rs 10,000 monthly on retirement, tax benefits:
Are you a married couple and planning for your retirement? If yes, then Atal Pension Yojana (APY) is one such scheme that can provide decent returns along with safety on investments. Under the scheme, a husband and wife can earn a pension of about Rs 10,000 per month by opening two separate accounts in Atal Pension Yojana. A tax-paying couple can also apply for tax benefits against their investments in the scheme.
Atal Pension Yojana (APY): The Atal Pension Yojana (APY) is one such plan that couples can choose from, as it provides decent returns as well as investment safety. By registering two separate accounts, a husband and wife can obtain a total monthly pension of almost Rs 10,000. A tax-paying couple can claim for tax benefits against their deposits in the system, which is a benefit of the scheme.
Eligibility for Atal Pension Yojana: The scheme was flagged off in 2015 aimed at benefiting people engaged in unorganised sectors to secure their future. However, now any Indian citizen between 18 to 40 can put their money in the Yojana.
If a person has a bank or post office account, they can easily choose Atal Pension Yojana as their investment option.
After turning 60, investors will be eligible to get the pension.
Aadhar number and a mobile number is a must for investing in the Yojana.
Benefits of Atal Pension Yojana: Depending on the investments made by a person, they will receive either Rs 1,000 or Rs 2,000 or Rs 3,000 or Rs 4,000 or a maximum of Rs 5,000. If a pension seeker wishes to get a Rs 5,000 monthly pension, they will have to deposit Rs 210 per month starting from the age of 18.
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How To Earn Monthly Pension of Rs 10000?
- A couple under the age of 30 can do this by opening two separate Atal Pension Yojana accounts.
- After 60 years of age, they will have to deposit Rs 577 each into their respective accounts in order to receive the desired pension of Rs 10,000 every month.
What Are the Tax Benefits on the Scheme?
- The investments made in the Atal Pension Yojana can help the investors to save tax.
- The investors can now avail tax benefits of up to Rs 1.5 lakh under the Income Tax Act 80C.
The sooner the investor invests under this scheme, the more benefit he or she can enjoy. If a person joins Atal Pension Yojana at the age of 18, then after the age of 60, he or she will have to deposit just Rs 210 per month for a monthly pension of Rs 5000 every month.
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