The Post Office small savings plans can be the best option for you as the risk factor is low and the returns are good.
With any investment, there is a risk factor associated with it. In such a situation, you should invest in such a place where your money is secure and you will get better returns with less risk. However, in investments, returns are proportional to risks. Since the risk is high in the equity market, the returns are also higher than other investment products. But not everyone has the ability to take risks. In such a situation, if you want an investment where there is good profit also, then post office is better for you.
Post office small savings plans can be the best option for you. The risk factor is also low in this and at the same time, the returns are also good. We tell you about an investment in which the risk is negligible and the returns are also good. This is the 'Gram Suraksha Scheme' of the post office. This protection plan offered by India Post is one such option in which you can get good returns with low risk. In this scheme, you have to deposit Rs 1,500 every month. By depositing this amount regularly, you will get the benefit of 31 to 35 lakhs in the coming time.
Here are the rules for investing in this post office scheme
- Any Indian citizen between the age of 19 to 55 years can invest in this scheme.
- The minimum sum assured under this scheme can be from Rs 10,000 to Rs 10 lakh.
- The premium payment of this plan can be done monthly, quarterly, half yearly or annually.
- You get a 30-day grace period to pay the premium.
- You can also take a loan on this scheme.
- You can also surrender it after 3 years of taking this scheme. But in this situation, you will not get any benefit.
Suppose a person starts investing in this scheme at the age of 19 and buys a policy of Rs 10 lakh, then his monthly premium will be Rs 1515 for 55 years, Rs 1463 for 58 years and Rs 1411 for 60 years. In such a situation, the policy buyer will get a maturity benefit of Rs 31.60 lakh for 55 years, Rs 33.40 lakh for 58 years and Rs 34.60 lakh for 60 years.
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