Govt. Schemes available @ DHANVRIDDHI


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Name Jeevan Akshay Jeevan Umang National
Pension Scheme
MF Pension
scheme
Income Range 7 to 7.75% 8% on Sum Insured Mkt Linked
Gsec/Debt/Equity
Mkt Linked
Gsec/Debt/Equity
Contribution One Time/Multiple Regular Regular Regular
Contribution Period Single 10/15/20 Years Till 60 Years of Age Till 60 Years of Age
Pension to Spouse As per Opted Scheme No No No
Tax on Income As per Slab Tax Free As per Slab As per Slab
Death before vesting Corpus to Nominee Sum Insured to
Nominee
Corpus to Nominee Corpus to Nominee
Entry Age 40 Years 10 Years 18 Years 18 Years
Pension Age 40 Years At the end of Tenure 60 Years 60 Years
Death After vesting As per Opted Scheme Sum Insured to
Nominee
Corpus to Nominee Corpus to Nominee

Govt. Insurance Schemes


Name Type of Cover Age Premium per Year
PM Jeevan Jyoti Scheme Life Insurance Worth 2 Lacs 18 - 55 300/-
PM Suraksha Bima Accidental Insurance Worth 2 Lacs 18 - 70 12/-

Other Govt. Schemes


Name PPF (Public
Providend Fund)
Sukanya
Samruddhi
Senior Citizen
Savings
Monthly Income
Scheme
Time Deposit
Income Range 7.80% 8.30% 8.30% 7.50% 6.80% to 7.60%
Income Frequency Credited PPF a/c on 1 Apr Cumulative Mar/Jun/Sep/Dec Monthly Annual
Change of rate By Govt. notification By Govt.
notification
On Maturity On Maturity On Maturity
Tax benefits 80C 80C 80C Nil Nil
Tax on Income TaxFree TaxFree TDS if Int >
10,000/-.f.y.
Taxable No TDS Taxable No TDS
Scheme Duration 15 yrs + 5 yrs Blocks
(unlimited)
Girl Child attaining
21 years
5 Years 5 years 1 to 5 yrs
Contribution 500p.a. to 1.50Lacs
F.Y.
Yearly for 15 Years One Time / Multiple
upto 15Lac
One Time / Multiple
upto 9Lac
One Time /
Multiple
Premature withdrawal After 5 yrs subject
to conditios
18 Yr age/10th pass After 1 year with
Penaulty
After 1 year with
Penaulty
After 1 year
Loan 3rd to 6th year No Loan No Loan No Loan No Loan
Int % on Loan 1% extra N.A. N.A. N.A. N.A.
Age Any Age Girl child Age <
10 yrs
60+ Any Age 10 year + Age

Atal Pension Yojana.. Premium Table for various pension amounts


Age Years to invest 1000 2000 3000 4000 5000
18 42 42 84 126 168 210
19 41 46 92 138 183 228
20 40 50 100 150 198 248
21 39 54 108 162 215 269
22 38 59 117 177 234 292
23 37 64 127 192 254 318
24 36 70 139 208 277 346
25 35 76 151 226 301 376
26 34 82 164 246 327 409
27 33 90 178 268 356 446
28 32 97 194 292 388 485
29 31 106 212 318 423 529
30 30 116 231 347 462 577
31 29 126 252 379 504 630
32 28 138 276 414 551 689
33 27 151 302 453 602 752
34 26 165 330 495 659 824
35 25 181 362 543 722 902
36 24 198 396 594 792 990
37 23 218 436 654 870 1087
38 22 240 480 720 957 1196
39 21 264 528 792 1054 1318
40 20 291 582 873 1164 1454
Corpus 170000 340000 510000 680000 850000