To secure the future, everyone believes in savings, but up to what extent? People in government jobs or good private jobs usually get pension or retirement fund but what about farmers or others.
And if you are also in the list of small-scale farmers or the one who needs to know what can be done for the future security, this article is for you.
In this article you will get information about how you can secure your future with small investments today. There are many government schemes that are being availed by lakhs of farmers to secure their future. So, here is the list of four such schemes.
Pradhan Mantri Kisan Maan-Dhan Yojana
This scheme is for the farmers of the country The PMKMY provides an assured pension of Rs. 3000 per month. This benefits of this scheme can be availed by land holding small and marginal farmers, doesn’t matter male or female, both are eligible. To get the benefits of this scheme, you just need to invest Rs. 55 per month only. If your age is 18 years, you need to contribute Rs. 55 per month for the next 40 years, then you will get the pension of Rs. 3000 per month when you reach to the age of 60 years. And, if your age is of 30 years, you need to contribute Rs. 110 per month for this yojana to get the pension when reach to the age of 60 years. And farmers with the age above 40 years, they need to contribute Rs. 200 per month.
Atal Pension Yojana
Atal Pension Yojana is run by the government for all the people of unorganized sector jobs. This scheme can also be availed at the age of 18 to 40 years. To open your account under this scheme, you need to visit the nearest bank or post office. If you invest Rs. 210 per month for the next 40 years, and then you can avail the monthly pension of Rs. 5000 after you turn 60.
Pradhan Mantri Shram Yogi Maan-Dhan Yojana
Pradhan Mantri Shram Yogi Maan-Dhan Yojana is also for the workers in unorganized sectors. It is a voluntary and contributory pension scheme under which you will receive a minimum assured monthly pension of Rs. 3000 after attaining the age of 60 years, and if the contributor dies, the spouse of the beneficiary shall be entitled to receive 50% of the pension as family pension. Family pension is applicable only to spouse. The applicants between the age group of 18 to 40 years will have to make monthly contributions ranging between Rs. 55 to Rs. 200 per month till they attain the age of 60.
National Pension Scheme for Traders and Self Employed Persons Yojana
This scheme is specially for protection and future security of old age people. Traders with the annual turnover of Rs. 1.5 Crore or less, in the age group of 18-40 years can avail this scheme. Beneficiary must not be the member of EPFO/ESIC/NPS/PM-SYM or an income tax payer. You need to make the monthly contributions ranging between Rs. 55 to 200, till you attain the age of 60. In this, beneficiary will receive a minimum assured pension of Rs. 3000 per month after the age of 60 years.
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