जानें क्या है? Saral Pension Yojana 2021: Apply Online| Application Form- LIC/ SBI Interest Rate Calculator| Chart – Eligibility

Saral pension yojana 2021: The Insurance regulator IRDA has launched a new Saral Pension Scheme across the country so that everyone can take the benefit of pension during their retirement and old age. This scheme will be implemented from 1st April 2021, IRDA has asked all the insurance companies to introduce this pension scheme.

In this article, we have shared the information about the interest rates, eligibility, saral pension calculator plan chart, etc.

saral pension yojana

Saral Pension Yojana 2021 kya hai| features

The saral pension scheme 2021 is launched to provide benefits for the retiring or old age people in our country. As we all know there are not many resources to earn or help our poor old people in our country, so to overcome this IRDA has taken this initiative to provide the best pension benefit for the old age people.

The minimum annuity amount in Saral Pension Yojana declared by the IRDA will be Rs.1000 per month.  And it will be Rs.3000 for the quarter period, Rs.6000 for the six months and Rs.12000 per annum. The policy can be ended by the beneficiary at any time after 6 months from the date of the taken policy day.  The starting of the simple pension scheme will begin very soon at all insurance agencies.

The best benefit of this Saral Pension Yojana is that there will be a life annuity with a 100 percent return on the purchase price.

Annuity Meaning:  An annuity means the amount that companies promise to pay annually in exchange for deposits done by the beneficiary.

After the death of the pension holder his/her spouse or nominee will get the annuity amount.

Saral Pension Yojana in hindi

सरकारी बीमा नियामक संस्था इरडा ने देश की सभी बीमा कंपनियों को सरल पेंशन योजना की शुरुआत करने का निर्देश दिया है। यह पेंशन योजना 1 अप्रैल से लागू हो जाएगी। इस पेंशन योजना के तहत बुढ़ापे में लोगों को सरकार द्वारा न्यूनतम वार्षिकी (Annuity) राशि 1 हजार रुपये प्रति महीने से लेकर 3 हजार रुपये प्रति तिमाही व् 6 हजार रुपये प्रति छमाही या फिर 12 हजार रुपये सालाना दी जाएगी।

सरल पेंशन योजना के तहत पेंशनर जितना पैसा निवेश करेगा उतना पैसा उसको वापस मिल जाएगा। इसके साथ ही इन एन्युटी का फायदा भी उसे मिलता रहेगा जैसे कि उसके निधन के बाद उसके जीवन साथी यह उसके किसी नॉमिनी को एन्युटी राशि मिलती रहेगी। यानी पति पत्नी की मृत्यु पर कानूनी वारिस को खरीद मूल्य में 100% राशि वापस मिल जाएगी यह योजना किसी भी तरह से पेंशनर के अधिकार में ही है।

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सरल पेंशन योजना के तहत सभी इंश्योरेंस कंपनियों के पेंशन के रेट अलग-अलग हो सकते हैं लेकिन इसका नाम सरल पेंशन ही होगा। जिस इंश्योरेंस कंपनी की पॉलिसी इस सरल पेंशन को जारी करेगी उस सरल पेंशन योजना के आगे उस कंपनी का नाम जुड़ जाएगा। जैसे कि सरल पेंशन योजना एलआईसी (LIC), सरल पेंशन एसबीआई (SBI) स्कीम इत्यादि।

Saral pension yojana lic details

The department will launch this scheme’s initiative to all the insurance agencies and thereafter this scheme will be renamed after that agency name. Like when LIC will launch this scheme it will be called saral pension scheme lic, so similarly all the insurance agencies will use the name saral pension but with it, they have to add their company name.

The pension interest and other rates can vary upon the different companies’ policies. SBI will also have to follow the same rule and all other companies out there also.

Saral pension yojana apply online| registration| application form pdf

As we all know this scheme is recently launched and yet there is no such specific information released by the department on how you can take the benefit of the scheme.

Many people will look at the application form for the saral pension scheme and online application link for the registration of the scheme but there is no such information released by the government.

As soon we get the information we will update it here. The official website will be soon released by the IRDA, so we have to wait till 1st April 2021.

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Saral Pension Yojana Calculator & Interest Rates

The saral pension yojana calculator will play a major role in calculating the proper plan details. To calculate you have to choose the given items.

  • Policy Term
  • Annuity Options like lifetime income with capital refunds etc,
  • Premium frequency
  • Sum Assured

saral pension yojana calculator

For more details you can visit the website i.e www.sbilife.co.in/en/individual-life-insurance/traditional/saral-pension

This scheme will be launched on the 1st April 2021, then only authentic saral pension scheme calculator will be shared on the website.

Saral Pension yojana Eligibility details

There are no such hard eligibility criteria is set by the department. The beneficiary must be between the age of 40 years and 80 years old.

There is also a loan taking facilty on your pension under saral pension scheme