Deposit only 50 rupees daily in this insurance policy of Post Office, you will get 34 lakhs on maturity||Post Office

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Whole Life Assurance: India Post has an insurance policy called Gram Suraksha. On depositing Rs 50 per day in this scheme, a total of Rs 34 lakhs will be available on maturity. Let's know everything about this scheme.


Whole Life Assurance: Access to insurance in our country is very poor. According to the annual report 2020-21 of the insurance regulator IRDAI, the share of insurance in India is only 4.2 percent of the GDP. Globally it is 7.4 percent. Access to insurance is very low, especially in rural India. Keeping this in mind, Gramin Postal Life Insurance was introduced in the year 1995. Its aim was to bring the people of rural India under the ambit of insurance.


Insurance cover is available up to 80 years

Six schemes have been introduced by the Post Office under Rural Postal Life Insurance (RPLI). Today we will learn about one of these Whole Life Assurance in detail. It is also called Gram Suraksha. According to the information available on the India Post website, under this scheme one is insured till the age of 80 years. If he still survives then he will get the benefit of his maturity. If he dies in between then the nominee will get the death benefit.


Maximum Sum Assured 10 lakhs

The minimum age limit for taking this policy is 19 years and the maximum age limit is 55 years. The maximum sum insured can be 10 lakhs. The loan facility is available after 4 years. There is also a facility to surrender the policy after three years. No bonus if the policy is surrendered before five years



50 rupees per day has to be deposited

According to the information available on the India Post mobile app, if the policyholder is 20 years old and enrolls for whole life assurance, the monthly premium for a maturity of 50 years will be Rs 1672. The monthly premium for 55 years will be Rs 1568, for 58 years maturity the premium will be Rs 1515 and for 60 years maturity the monthly premium will be Rs 1463. Suppose the policyholder decides to mature the policy at the age of 60, he will have to pay a monthly premium of Rs.1463 for the next 40 years. Daily premium is around Rs. 50 will be.


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Know how to get 34 lakh?


Currently, the annual bonus for this policy is Rs 60 per 1000 Sum Assured. In such a situation, the annual bonus will be 60 thousand rupees on sum assured of 10 lakhs. On receiving bonuses equally for the next 40 years, the total bonus amount will be Rs 24 lakhs. Maturity This amount is Rs. 34 lakhs which will include sum assured of 10 lakhs.

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Post Office Double Money Scheme: Earn double profit with Kisan Vikas Patra, your money will grow without tension

 Kisan Vikas Patra: Some post office schemes can double your money even on long-term investment.  One such scheme is Kisan Vikas Patra, in which the investment gives you double returns.

 The Central Government in association with the India Post Office runs several investment and savings schemes.  These investment vehicles not only give you guaranteed returns, your money is also safe.  In some post office schemes, money is available at a higher rate of interest than a fixed deposit account, while some schemes can even double your money on long-term investment.  One such scheme is Kisan Vikas Patra, in which you get double returns on investment.

Let's know the benefits of Kisan Vikas Patra Yojana and its other features-

•  Kisan Vikas Patra lends money to the investor at an annual compound interest rate.  According to the India Post website, it currently earns compound interest at 6.9% per annum.  These rates will be applicable from 1st April, 2020.
•  It doubles your money in 124 months.  That is, if you invest Rs 5 lakh in it today, it will make your return Rs 10 lakh in next 10 years, 4 months.
•  Its maturity is 10 years 4 months.
•  You can invest in this scheme at least Rs.  Can invest up to 1,000, no maximum investment limit.
•  The government sells Kisan Vikas Patra certificate in denominations of Rs.1000, Rs.5,000, Rs.10,000, Rs.50,000.
•  You can open any number of accounts under this scheme.
•  Tax exemption benefit is also available on investment in Kisan Vikas Patra.  In this, income tax exemption can be claimed under Section 80C of the Income Tax Act.
•  It also has an early termination facility with certain conditions.  Account holders can also withdraw their money within 2 years 6 months.

Who can open?

•  Any adult can invest in this scheme.
•  A joint account can also be opened, but one account cannot have more than three people.
•  A guardian account can be opened in the name of a minor or an infirm person.
•  A minor above 10 years of age can open it in his own name

What documents will be required to take Kisan Vikas Patra?

•  KVP Application Form
•  aadhar card
•  address proof
•  Age certificate
•  Passport size photograph
•  mobile no

Kisan Vikas Patra is made available by the Post Office on behalf of the Government.  KVP certificates can be purchased by cash, cheque, pay order or demand draft.  Or you can download the form by visiting this link- Kisan Vikas Patra Form.  You can fill this form offline and submit it to the post office along with the required documents.

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 KVP FAQ's

 Who is eligible for Kisan Vikas Patra?

 Applicant must be an Indian citizen.  Applicant should be above 18 years of age.  An adult can apply on behalf of a minor.  Hindu Undivided Families (HUFs) and Non-Resident Indians (NRIs) are not eligible to invest in KVP.

 How can I withdraw money from Kisan Vikas Patra?

 To redeem the KVP certificate, you just need to give a letter in writing to the concerned post office and also present your identity slip.  If you want to withdraw your principal before maturity, you can do so only after 2 years 6 months.

 In how many years money doubles in Kisan Vikas Patra?

 According to Post Office, your investment amount in Kisan Vikas Patra doubles in 124 months i.e. 10 years and 4 months.

How much tax is applicable on Kisan Vikaspatra?

 Amount invested in KVP does not offer any tax deduction under section 80C.  Interest earned on KVP is also exempt from income tax and 10% TDS is deducted from the interest.

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